Inshorensi ngaphandle kwesithintelo: isicombululo ifanelekileyo ukuze abanini imoto

Abaqhubi abaninzi abanomdla umbuzo wokuba yintoni inshorensi mda. Yile hlobo nkqubo apho ukusebenza umatshini umnikazi wayo nje kuphela efanelekileyo, kodwa amaqela esithathu. Inshorensi ngaphandle kwesithintelo inika ithuba elikhethekileyo - inani mda abantu kuba emva ivili le isithuthi. Ngamafutshane, ukuba usapho imoto enye, esiza kusetyenziswa abantu abaliqela, xa kuthe kwakho imeko kaxakeka, ungasoloko ubala phezu njengembuyekezo yomonakalo, kwanokuba ngexesha le ngozi ngasemva sondo akanguye umnini kanye emotweni. Konke oku kwenza olu khetho ukhuseleko ethandwa kakhulu phakathi kwemibutho eyahlukeneyo, apho abasebenzi abaqhubi ezinkulu, iimoto azikho kangako.

Loo mgaqo-nkqubo uchaza kakhulu ngokucacileyo uxanduva - ngesidanga nxaxheba tyala yengozi. Kwi imali kweentlawulo ngenxa isiganeko benefits ngayo lungenasiphumo, Kakade ke, ukuba onke amaxwebhu ihlanganiswe ngokuchanekileyo. Eyona nto ibalulekileyo - ukujonga ukuba amapolisa ezendlela ukuba ugcwalise le migaqo: yonke into kufuneka athobele oko waxelelwa nxaxheba yengozi, kunye namangqina yayo.

Amarhe malunga inshorensi ngaphandle kwezithintelo

Wena uyakwazi ukuva izimvo ezingquzulanayo ngalo mgaqo-nkqubo. Abanye bathi umntu inshorensi iya zoyiswe ezininzi, ukuba umqhubi ufumana ingozi yemoto ezandleni zakhe. Oku akunjalo - ncam nako ukujongana nazo zonke iindleko-inshorensi. Umbuzo kangakanani kubiza i-inshorensi ngaphandle kwemiqathango, zithandwa kakhulu. Ngokuqhelekileyo, iindleko ngasentla enye enesiqingatha okanye amaxesha amabini xa kuthelekiswa kunye namaxabiso nkqubo inshorensi oluqhelekileyo. Konke kuxhomekeke kwinkampani ethile. Ngokubanzi, olu khetho luluncedo kakhulu kwindawo yokuqala ukwenzela ukuba umqhubi kufuneka kwakhona naxhala lowo imoto inshorensi kwaye ngubani na ukufumana emva kwevili. Ngoko ke ukuba egqithisileyo bugwetyelwe.

Facts about the inshorensi limited

nkqubo Limited biyela umntu nje omnye. Ukuqhuba isithuthi kuba umnini-moto kuphela. Ukuba imoto iye abanini eziliqela, inshorensi limited sikhutshiwe ukuba ngamnye kubo. Akubuzwa ukuba i-inshorensi ngaphandle kwezithintelo kuluncedo kakhulu ngakumbi kule meko?

Izinto eziluncedo ze-inshorensi unlimited

Xa uthenga i-nkqubo amagama kakuhle, eyile:

• imoto enze nantoni na abantu (akukho izohlwayo ungekho);
• xa ngokugcwalisa amaxwebhu ingozi encinci;
• inshorensi MTPL ngaphandle kwezithintelo lubonisa ukuba akuyi kufuneka ukuba ahlawule nantoni na kwimeko yengozi umnini imoto;
• xa ufuna ukungena kwi-nkqubo umqhubi ongenamava (ubude kweenyanga ngaphantsi kwe-36, ubudala neminyaka engaphantsi kwama-22 ubudala) unlimited inshorensi ukhetho - engcono.

Ukuba umqeshwa udlula igunya

Akuvamile, kodwa kukho iimeko xa amapolisa endlela ufuna cheat abaqhubi ukuba unayo i-inshorensi ngaphandle kwemiqathango. Ukuze benze oku, kubhekisela yokuba ukuba umgaqo-nkqubo ayikho amagama ethile banelungelo lokuba ukulawula kulo matshini. Kakade ke, ukuba le nto iphosakele, kodwa ingxoxo kunye nabameli bamabhunga zokunyanzeliswa komthetho mfuneko yokuba ukungena, nayo doskazyvat kufuneka ibe nto. Abaqhubi musa ukungena kuyo nayiphi na amaxwebhu, njengoko inani yabo kungaphelelanga apho naluphi na izithethe. Iintshukumo lwabameli abanganyanisekanga amapolisa ezendlela angasoloko umngeni enkundleni emva (okanye ujonge umphathi zabo).

bulula design

inshorensi MTPL yenziwa lula ngokwaneleyo - akukho lutho zingangananzwa. amava uqhuba Akukhathaliseki, kwakunye nexesha umntu ichitha emva kwevili. Ewe, kukho abathile umahluko ngokwemigqaliselo yemali, kodwa umgaqo-nkqubo mda kukulungele kakhulu ngaphezulu. Le yokugqibela kusenokuba ngakumbi echaphazelekayo kuphela kwiimeko ezithile (ukuba, umzekelo, imoto umqhubi omnye kuphela, okanye xa imoto usapho aqhutywa ngabantu ezahlukeneyo, nto leyo amava yokuqhuba ezahlukeneyo, kwakunye ubudala). Kufuneka ahlole ngenyameko zonke iingxoxo ngakwicala zombini iziphakamiso ukuthintela iimpazamo.

Noko ke, xa nawuphi inshorensi kufuneka sihlale sithe qwa. Kungcono ukuba basebenze nabo iinkampani kufuneka igama elihle, izindululo nentsapho kunye nabahlobo. Oku kukuvumela ukuba uphephe ubuqhophololo, ukuqhatha kunye nezinye iingxaki, leyo maniphuphume nakulo mmandla inshorensi imoto.

Ukuba kuyimfuneko, nokuba coverage maxa wambi ukwenza unlimited - ukuba umnini moto kufuneka ubhale ingxelo kuloo uqinile, leyo wasayina nkqubo. Le ngxelo ibonisa ukuba tshintsho kubona-inshorensi - njengoko umthetho, umxhasi nje ukunika iifom ukulungele, apho kufuneka ukugxininisa umba olifunayo (zonke iinketho kufuneka kuqwalaselwe ngononophelo). Isicelo uyakwazi ukubhala nkqu mcebisi we-inshorensi - i-inshorensi ngaphandle kwemiqathango phambi amaxwebhu ezingqiniweyo aya kukhutshwa.