Isohlwayo-inshorensi ebesilindelwe 2015

Phantsi komthetho, zonke umnini imoto kufuneka ngonyaka-inshorensi imoto yakho. nkqubo olugunyazisiweyo ukuba ufuna ukuthenga, i CTP. Noko ke, abanye abaqhubi abanganyanisekanga ke akukho ziyakhawuleza kwakhona nokukhutshwa kwesivumelwano esitsha nokuqhubeka ukuqhuba le iindlela noxwebhu eziphelelwe lixesha. Ngokuqhelekileyo, akukho sono silingenwe ngumthetho, kwaye ukwaphulwa okunjalo kuya kufuneka uhlawule isohlwayo. Oko kuya kuhlawuliswa inshorensi ebesilindelwe 2015 kuya kuxutyushwa kweli nqaku.

Ixesha le nkqubo

Ekupheleni omtsha contract inshorensi kunye nentlawulo yayo kwindawo yokuqala ukuze ubuze malunga ukunyaniseka kwayo. Le nyaniso ifumaneka kuyimfuneko, ukuze ningaceli umhloli: "? Yintoni na isohlwayo inshorensi engahlawulwanga".

Ekusondeleni kwexesha elidlulileyo kube yinto enokwenzeka ukuthenga CTP ixesha ubuncinane, nto leyo eyabangela ukuba iinyanga ezintathu kuphela. Ngo-2015, ixesha-nkqubo izazekile ngonyaka. Ngenxa yoko, emva kokuphela kweenyanga ezilishumi elinambini emva kokugqitywa contract insurance, umqhubi kufuneka sivuselele okanye ukuthenga CTP esitsha kunye nenye insurer. Ukuba ngenxa yesizathu esithile umnini imoto akazange akwazi ukuthenga i-inshorensi entsha okanye balibala nje ukuyenza loo nto, ngoko ke inkampani ngaphandle inxaxheba sivumelwano inshorensi ngokuzenzekelayo kuyandisa abophe. Ukuba iinyanga ezimbini phambi kokuba ukupheliswa kwepolisi umqhubi waxelela yeinshorensi ukuba vuselela isivumelwano, inkampani sithembiso nto ngosuku olulandelayo emva kokuphela. Ngoko, umnini imoto ayikho CTP, ukuba oko kukuthi, Kakade ke, akazange thenga entsha kwenye mbutho.

inshorensi zibuyiswe ngengozi - iziphumo

Ngokuqhelekileyo, iimeko ezinjalo kwenzeka ukuba kwimeko yengozi kwi umntu onetyala engahlawulwanga liability isixhobo nepolisi ye-inshorensi. Kufuneka wenze ntoni kwaye yintoni isohlwayo inshorensi ebesilindelwe kule meko? Into yokuba kukho iinketho eziliqela, apho kuxhomekeka uya kuhlawula intlawulo. Umzekelo, kukho isithuba somsebenzi nkqubo, kwaye ke ixesha lokusebenzisa isithuthi ukuba imali-inshorensi. Ukuba umqhubi usebenzisa imoto iinyanga ezimbalwa kuphela konyaka, eli isivumelwano inshorensi ikhankanya thuba. Ukuba uthe wavuka emva ivili ngenyanga enye, nto leyo eyasekwa-nkqubo, kwaye yenze ingozi, oko kuya kuthathwa CTP iphelelwe. Emva koko ke umoni lijongene isohlwayo solawulo leyo izimanya amapolisa endlela. Isohlwayo ngenxa kwako MTPL inshorensi iya kuba 800 engange. It zingahlawulwa nayiphi na ibhanki okanye ezinjengeetheminali intlawulo ngokusebenzisa inkqubo yentlawulo. Ngendlela, ukuba ukubuyisela umonakalo owenzeke iqela owenzakeleyo uya kuba ngumtyholwa wengozi hayi kwinkampani ye-inshorensi.

Isohlwayo uqhuba i-inshorensi lixesha

Kwimeko apho igosa lezendlela wamisa imoto, yaye umqhubi akazange abe nkqubo inshorensi mandatory, uya kubhala kwakhe ahlawuliswe imali engange-500. Eneneni, kukho amaxesha xa CTP uhlala ekhaya ngenxa ukulibala njengesiqhelo. Ngoko umnini imoto angafaka isibheno kwisigqibo amapolisa ezendlela enkundleni. oku kuphela ukuba kwenzeke zingadlulanga iintsuku ezili-10 emva osenyameni protocol. Oku akuthethi ukuba ubukho nkqubo ivumela umqhubi ukuqhuba ngaphandle kwawo. Ngenxa yoko, i-inshorensi ngoku kufuneka emotweni ngalo mzuzu xa umqhubi isebenza ngayo. ukungabikho kwalo mthetho, ze emva koko umnini wesithuthi iya kuhlawuliswa kunye isohlwayo solawulo kwi imali engange 500 kwaye ulinganiswa njenge isohlwayo se-inshorensi engahlawulwanga.

Indlela yokuhlaziya lo mgaqo-nkqubo?

Kwanele ukuba beze kwi-ofisi ze ubhale ingxelo kwi ukwandiswa kwexesha layo lokuba semthethweni. Iarhente liya kwenza ezi utshintsho ledatha yaye babhalise imvumelwano entsha omnye unyaka. Umqhubi kufuneka nje ukuhlawula iirhafu MTPL, nto leyo eya kuba kusebenza kwixesha elilandelayo.

Ukuba umqhubi Ubanjwe ku koko ukuqhuba isithuthi ngexesha engalunganga, eboniswe kwi contract, ngaphandle yokuba kuza kufuneka ahlawule imali-inshorensi ebesilindelwe, ngokunjalo kufuneka ahlawule le nkqubo.

Indlela ukufaka ezinye umqhubi

Kukho iinketho xa isithuthi ezihonjiswe ukuba ngqongqo, yaye umqhubi olulawula ilungelana inshorensi. Ukuba ayiwenzi, kwimeko zokumisa yesohlwayo iya kukhutshwa yinkampani. Ngoko ke ngaphambi kokuba uthumele indlela abaqeshwa balo kufuneka aqinisekise ukuba zonke banalo ilungelo ukusebenza lo isithuthi. Ukuze ufake kwi amaziko inshorensi, nto leyo kwixesha elizayo kuya kuba ukuqhuba imoto, kuyimfuneko ekupheleni kwesivumelwano ukwazisa arhente yenkampani. Lomlingani yokubala iya kwahluka kancinci xa ibalwa umqhubi ngamnye. Kukho umbuzo ubhalo: "? Indlela izohlwayo ezininzi inshorensi ebesilindelwe ziya kuba kule meko". Yonke uhlala enye, kwakunye nabantu, oko kukuthi, i-ligatya inshorensi - 800 engange, kuba inshorensi ulibele - 500 engange.

Ukuba umqhubi omtsha wabonakala emva nepolisi yakho, kufuneka aphakame ngokukhawuleza kwi-ofisi yombutho, ubhatale imali eyongezelelweyo utshintsho ekubaleni-inshorensi.

amacebo aluncedo

Ngaloo ndlela, ukusuka ngasentla sinokugqiba ukuba kukho ezininzi iintlobo isohlwayo solawulo ngenxa yokungabikho-nkqubo. Kwaye yintoni isohlwayo inshorensi engahlawulwanga amisele amapolisa ezendlela ziya kuqwalaselwa kuphela kubo kuxhomekeka meko. Ityala kakhulu inyala, phantsi komthetho, umqhubi uya kuba ukwala inshorensi ubutyala yazo motor, kuba ngawo kwanyanzeleka ukuba ahlawule 800 engange. Kwaye ke lonke ixesha isima. Kwezinye iimeko, njengoko kuchaziwe apha ngasentla, isohlwayo uya kuba engange-500, kunye nokususwa amacwecwe mvume kuzo zonke iimeko.

Ngokuqhelekileyo, bekuya kuba kubiza ukuthenga i-nkqubo, ngaphandle kwexesha ngasinye ukuba ahlawule isohlwayo se-inshorensi engahlawulwanga. Zonke ngakumbi ukuze nyaka ngamnye kwandisa ubungakanani izohlwayo, yaye kungekudala baya kuqwalaselwa njengoko iindleko ezipheleleyo kwesivumelwano yonyaka ukukhusela motor liability iqela lesithathu.