Indlela ukubala igobhogobho kwi imoto ngokwakho?

Wonke umnini imoto ufuna ukukhusela izithuthi zabo kuzo zonke iintlobo lembandezelo. Kwaye kungenzeka ukuba kungabi kuphela ingozi endleleni. Imoto inokubiwa ukusuka egaraji okanye yokupaka kwi umthi balo ukuwa - ngokufutshane, yonke kunokwenzeka nantoni na. Ukuhlawula umonakalo kwezi meko kunceda i-inshorensi elungileyo. Kodwa kuya kuba mnandi ukwazi ukubala indlela igobhogobho kwi imoto. Yini na iindleko kwalo mgaqo-nkqubo, uya kufunda kweli nqaku.

iintlobo igobhogobho

Kuqala kubalulekile ukukhumbula ukuba igobhogobho - yinto inshorensi ngokuzithandela, nto leyo ine umlinganiswa ngamnye. Kukho iindidi ezimbini eziphambili ze-nkqubo:

• Insurance ngokupheleleyo. Ubonelela ukuba intlawulo, nolwenzelwa nayiphi na ilahleko okanye umonakalo obangelwe ubusela okanye umonakalo kumatshini. Oku kunjalo, ukuba umthetho na imiqathango yesivumelwano.
• inshorensi Partial. Ubonelela ukuba intlawulo kuphela kwiimeko ezithile, ezo zichazwe kwi contract. Asinto nzima ukuba baqashele ukuba inshorensi kwenxenye umnini moto liya kuxabisa sitshiphu kunokuba ngokupheleleyo. Kodwa ke iindleko lokugqibela ziya kwahluka ngokuxhomekeke iingozi ezikhethiweyo.

Ngaba ubalwe MTPL kunye CASCO kwi imoto ngokwakho. Indlu kwindawo ongazukuphazanyiswa ukuqwalasela ukuba ingaba ukhuseleko olongezelelweyo, emva kokucingisisa yonke elungileyo nengalunganga koko.

Amacandelo ixabiso CASCO

CTP Iindleko ngokucacileyo esekwe ngumthetho kwaye ezisisigxina. Ngoko ke, kuya kuba njalo zonke iinkampani ze-inshorensi. Ixabiso for CASCO-inshorensi kwimibutho eyahlukeneyo yahluke kakhulu. Kuxhomekeke amazinga ezikhoyo ezingundoqo izinto ezininzi. Kodwa zonke iinkampani ze-inshorensi zisekelwe iinqobo ezisemgangathweni, leyo zithathelwa ingqalelo izibalo. Ngokuqhelekileyo, ezi zinto zilandelayo:

• ngobulili kanye;
• amava uqhuba;
• ibhonasi-malus;
• indawo yokubhalisa;
• phambi franchise, kunye nezinye izinto.

ubudala sex factor

Into yokuqala nibheke inshorensi phambi kokuba ukubala igobhogobho kwi imoto - oku ubudala ngesondo yomnini imoto. izifundo zexesha elide lubonise ukuba ingozi enkulu endleleni ngabantu abaselula kwe-22 nangaphezulu ngaphezu kweminyaka engama-65. Kuyinto ke othe ngokobuninzi manani kakhulu amaninzi izinto yale ngozi. Ezinye abemi zithathwa udidi ngaphezulu okanye oluthembekileyo ngaphantsi, ngoko ke i-inshorensi enganeno.

Kwakhona ebalulekileyo kukuba umntu phantsi ukusebenza isithuthi. Abasetyhini udidi lomngcipheko, kodwa abantu ingqalelo abaqhubi abanamava ngakumbi. Kakade ke, wonk 'yahlukile, wonke umntu iimpawu zabo, kodwa iiarhente inshorensi ukuba iimeko.

yexesha zange

Kukholelwa, kokukhona amava uqhuba, umntu onamava ngakumbi endleleni. Oku kuthetha ukuba i-inshorensi iza kuba kubiza. Ngumlingani zimbalwa ilingana no mnye, wabelwa abo bachitha emva ivili iminyaka engaphezu kwamashumi amathathu kwaye ogama yobudala ayikho ngaphantsi kwe-22.

Nangona kunjalo, kubalulekile ukuqwalasela yinto ebalulekileyo phambi ukubala igobhogobho kwi imoto ngokwakho. Ukuba ulawulo isithuthi ukuba inani mda abaqhubi, kufuneka ibe ratio ubuninzi. Xa uqhuba imoto ungathatha abantu abathile, kumiselwe kwisivumelwano, i-arhente iya kubala abo amava ukuqhuba ubuncinane.

Le ukungavumelani kwe bonus-malus

Olu luvavanyo entle kakhulu, nto leyo isebenza kubo bonke abaqhubi zicocekile kwaye abanamava. It wabelwe kumalungiselelo kwekhontrakthi kwabo akazibandakanyi kwingozi. Kungenjalo, le umlinganiselo ubizwa ngokuba isaphulelo ukuba lokuqhuba lembandezelo-free.

Ukuba intlawulo inshorensi awufumaneki kwisithuba seminyaka elishumi, ngoko i-arhente ezingadala isiqingatha iindleko nkqubo CASCO. Kodwa abo kaninzi izinga ingozi ngumtyholwa bonus-malus isebenza enye indlela. Kunokuba wolandisa ixabiso inshorensi phantse kathathu.

ukungavumelani kwe ndawo

Phambi kokuba ukubala igobhogobho kwi imoto ngokwakho, kuyimfuneko ukuhlola kummandla etafileni okuza. Zalathisi ziya kwahluka ngokuxhomekeke apho yabhaliswa isithuthi. Zommandla ngamnye kunye isixeko isebenza into. Ngenxa yoko, e Sebastopol kunye Simpheropol ixabiso elincinane ngu 0.6 kunye eChelyabinsk Murmansk ubuninzi ngu 2.1. Njengoko ubona, umahluko kuba nkulu kakhulu.

Phambi isibalo

Iindleko yokugqibela-nkqubo ngokuzithandela uba zingakwazi nokulungiseka kubantu abaninzi. Enye indlela ukuthenga i-inshorensi ayibizi kakhulu ke kuqukwa nalo ilungelo imiqathango yesivumelwano. Oku kuthetha ukuba akukho liya kupelwa ngaphandle umlinganiselo umonakalo ligutyungelwe abanini imoto ngeendleko zabo. Kulo mzekelo, ixabiso inshorensi liyehla kakhulu. Kodwa ukufumana hlobo kuphela xa kunokwenzeka ukuba bakulungele ukuthatha imingcipheko.

Ukuba ucinga ukuba ukubala indlela igobhogobho phezu imoto, ukuze ekugqibeleni zaphumela atshiphu, cinga olu khetho. Nkqu arhente badla zinika abathengi bathenge franchise, nangona ukuncitshiswa ebalulekileyo ixabiso le nkqubo. Le nkampani kuwo nawaphi na amancedo kunjalo. Zonke umonakalo encinane (mzali okanye imikrwelo), nto leyo zenzeka qho, ziya kuhlawulwa ngumnini imoto.

iimpawu zezithuthi

Inshorensi kufuneka ukuba uyithathele ingqalelo igama nohlobo yemoto. Baye ukufikelela kwi inani ukubiwa kwemoto data ezithile. Kuba ukusebenza ezandayo ingumlingani wenqanawa.

Kwakhona kwandisa ixabiso le nkqubo indleko matshini. Ukuba isixeko, kuthatha ixabiso lemarike avareji ukuba isithuthi efanayo. Ukuba Kwathengwa esaluni, i-arhente unyanzelekile ukuba ukubala igobhogobho ngenxa imoto entsha, ngokusekelwe kwixabiso kwesivumelwano sentengiso.

Kwakhona, ipesenti-inshorensi kuxhomekeke ubudala umatshini. I entsha ngayo, iya kukhululwa kokukhona ebiza kakhulu le nkqubo. Kodwa ke kubalulekile ukuqwalasela ukuba kwiminyaka ethile oko akwenzeki ngaphandle kwe CASCO emotweni. Ngaphezu koko, inkampani nganye umbundu womnyango yayo.

Amanye amacandelo nkqubo ixabiso

Xa ukhetha self-salon, nto leyo eza kulungiswa imoto kwi-inshorensi wongezwa malunga-20% yeendleko lokugqibela lo mgaqo-nkqubo. Ukuze ukuba ukuvusa ngexabiso, i-arhente zinika uluhlu lwamaziko inkonzo kucetyiswa. Kwakhona oomatshini abatsha iya kulungiswa phantsi kweziqinisekiso yakwaNokia.

Phambi izixhobo anti-ukubiwa emotweni yakho ixabiso CASCO nayo lifinyele. Ngaphezu koko, kwezinye iinkampani, ezinye matshini musa ukuthatha iinkqubo non-ukhuseleko kwimvumelwano Ukwakheka.

Ungabala iindleko inshorensi igobhogobho kwi imoto ngexabiso ngesaphulelo, ukuba phambi kokuba uthenge inshorensi kwenye inkampani. Ngokuqhelekileyo kulo mzekelo, trust elinikwe umntu isaphulelo entsha umxhasi we malunga amahlanu ekhulwini.

Ezinye izinto. inkampani ngamnye iinqobo zayo ezongezelelweyo, leyo iza kucacisa iindleko Casco. Lo isenokuba ukufumaneka lesithuba eninzi yokupaka ihlawulwe okanye igaraji omele i-inshorensi kwipropati kule nkampani, iintlawulo zezavenge, amalungiselelo ulwazi zentengiso ematshinini, kwaye kakhulu ngakumbi. Uluhlu izinto eziyimfuneko ukuze ucacise eminhlanganweni ekhethiweyo.

Ngaba kunokwenzeka ukuba ngokuzimeleyo ukubala i-inshorensi CASCO ukuze imoto?

Oko athi ezibonakalisa iindleko CASCO kunzima kakhulu ngaphezu nkqubo MTPL. Kwaye oku kuyinyaniso. Inyaniso yokuba inkqubo yokubala nzima imiba emininzi kunye neenqobo zokugweba nje angafumanekiyo ngummi eziqhelekileyo, ngokuba bengengabo ulwazi loluntu.

Ungabala kuphela ixabiso uqikelelo-nkqubo, apho ngokuqhelekileyo akafuni ngaphezu kwe-20% yexabiso le moto. Ukuze ufumane ezinye izibalo oluchanileyo kuya kufuneka ukuba ikhale okanye utyelele iinkampani ze-inshorensi eziliqela ukukhetha ukhetho engcono. Ukuba unomdla ukubala indlela igobhogobho kwi imoto, kuya kufuneka ukuba ukuhlola uluhlu lweerhafu, irhafu, izaphulelo kunye promotions inkampani ethile ngokupheleleyo. Kuphela ke ungazama ukuba ukufumanisa isixa lokugqibela le-inshorensi. Kodwa kulo mzekelo, umngcipheko wenze impazamo kunye nani, njengoko kukho imigibe ezininzi.

Indlela zichanile yaye kulula ukufunda ngokuzimeleyo ixabiso le CASCO - kukusebenzisa iinkonzo ezizodwa online ezikhoyo iinkampani ezininzi. Kodwa kuya kuxoxwa kamva.

Indlela yokuqingqa inshorensi ngokuzithandela

Ukuthetha ukubala indlela igobhogobho kwi imoto (okanye imali-mboleko yakho), kufanele kuqatshelwe ukuba arhente inshorensi ukwenza iifomyula. Kakade ke, inkampani nganye iya kuba izibalo alo. Kodwa ke kukho ezimbini kwifomula kakhulu.

Kuqala. Ixabiso le imoto (CA) kufuneka bahlulwe udibaniso lwamaxabiso wonke imibandela kunokwenzeka (K), uze ukufumana ixabiso le-inshorensi.

CASCO = CA / (K1 * K2 * K3 ...)

Yesibini. Iimpawu ezithile ziya kufakwa kweli ifomula.

= CASCO (ukonakala ratio * umlinganiselo * ubudala ireyithi ukukhululwa kunye nexesha * * rate itsalelwa isavenge rate) + (ubusela ratio * umlinganiselo * ratio ireyithi ukukhululwa lezavenge * inkqubo anti-ukubiwa).

Le fomyula Ungazama ukubala iindleko inshorensi, kodwa kumaxesha amaninzi umphumo uya kuba kude abakuso. Kuyimfuneko ukwazi ngoyena ngqo kwinkampani ethile. Enye into esiqiniseke, ukuba iimoto lamatyala ixabiso le CASCO ozikhulela phantse-40%.

izibalo kwesampuli

Cinga besebenzisa izixhobo eziphathekayo, ukubala indlela igobhogobho kwi imoto ngokwakho usebenzisa ifomula, ukuba ebesazi ngokulinganayo kwangaphambili.

Masithi isithuthi iya kuba umnini mnye, wayeneminyaka engama-21 ubudala. Yena imoto nge injini amandla zeelitha 110. a. iingozi imoto entsha yaye abazange bathathe inxaxheba. Ke yabhaliswa kummandla eMoscow. amava Driving kwiminyaka emibini.

CASCO = izinga isiseko * injini amandla * factor yobudala kunye nexesha factor * * kummandla kokuthintelwa ukulawula * bonus-malus.

Umlinganiselo inkampani isebenza ababambeleyo kunye nokuvelisa izibalo.

MOD = 1980 * 1.2 * 1.7 * 1.7 * 1 * 1 = 6 867 (engange). Kangaka kwaye iya kuxabisa nkqubo ngonyaka omnye-yintliziyo.

Cinga elinye icala. umthamo imoto entsha iilitha 120. isekhondi., ukuba ibhaliswe kummandla Krasnodar. Umnini iminyaka 35 namava okuqhuba - eyi-10. Dlala lo matshini uya kuba abantu abambalwa.

Ifomula iyafana naleyo uchazwe apha ngasentla.

MOD = 2000 * 1.7 * 1 * 2 * 1.7 * 1 = 11 560 (engange).

Ukugweba imizekelo, ukufumanisa ubukhulu igobhogobho ayikho nzima kangaka. Kodwa kuthekani ukuba akuwazi ifomula, indlela okuza ngayo kwinkampani ethile, kwaye ke abafuni ukuba ukwabelana nabo? Ungakhathazeki - kukho sisisombululo!

Ubalo usebenzisa izibali online

Ngokukodwa lula self-determination yexabiso inshorensi, iinkampani ezininzi zibonelela kwiiwebhusayithi zabo iinkonzo lula ezenzelwe ukulungiselela le njongo. Ngoncedo lwe calculator online ikuvumela ukuba ukubala igobhogobho kwi imoto "Rosgosstrakh", "Ingosstrakh", "Alfa Insurance", "imvume" kunye nezinye iinkampani. Ukuze siqonde indlela esi sixhobo ayikho nzima. Iinkonzo kuhamba kunye nemiyalelo, iingcebiso kunye nengxoxo, apho ubuze yonke imibuzo umcebisi.

Nje imizuzu embalwa angasifumani mali lokugqibela Hull. Ukuze wenze oku, gcwalisa onke amasimi iparameters ecetywayo. Ngokuqhelekileyo imodeli lwamaxabiso kwaye wenze le moto, umnyaka woyekelelo kunye nexabiso, isini, ubudala kunye namava uqhuba umnikazi imoto. Ezinye izibali unemouse enamaqhosha apho ukwazi ukunciphisa iindleko Casco. Oluzibangelayo ukuba ukhethe hlobo okanye naziphi iimveliso ezizodwa, ukuthoba ixabiso lokugqibela.

Nangona kunjalo, kufuneka kukhunjulwe ukuba yoko, nangona kufutshane neyinyani, kusenjalo kubonisa. Ngoko ke, asimele si- mangaliswe xa le fomyula okanye calculator online uya isixa enye, kwaye umcebisi kwi-ofisi iya kubiza omnye. Kodwa ngenxa amatyala rhoqo lobuqhophololo kunye namazinga inshorensi zokuzicingela luncedo ukwazi ukubala indlela igobhogobho kwi imoto ngokwayo.