Kubiza kangakanani ukuba ubhalise kwi-inshurensi yomqhubi ngaphandle kwamava. Kubiza kangakanani ukuba ubhalise umntu onomshuwalense?

Namhlanje, awusayi kuphinda ubhale amandla egqwetha ukwenzela ukuba omnye umntu anokuqhuba isithuthi sakho, ngaphandle kwakho. Kwanele ukubonisa idatha yalo mntu kumgaqo-OSAGO. Kodwa kwenzeka ukuba ngelixesha umqhubi omtsha ebonakalayo, umgaqo-nkqubo sele ukhishiwe. Akunandaba! Olu xwebhu lunokutshintshwa, kodwa lukhululekile kwaye luxhomekeke kuzo zonke iinkqubo. Kubiza kangakanani ukuba ubhalise umntu kwinshuwalense, njani ukwenza okulungileyo?

Uluhlu lwamaphepha

Ngaphambi kokuba ubhalise umqhubi kwi-inshurensi ye-OSAGO, qiniseka ukuba onke amaxwebhu afanelekileyo ayatholakala.

1. Umgaqo osebenzayo we-MTPL.
2. Iipasipoti kunye neelayisenisi zokuqhuba ilayisenisi, okufuneka zifakwe kwi-inshurensi.
3. Ukuba umnini akakwazi ukuba khona ngexesha leenkqubo zokutshintsha umgaqo-nkqubo, kufuneka alungiselele amandla onke agqwetha.
4. Isicelo kwiinkampani zomshuwalense ukwenza utshintsho.

Into yokugqibela yimeko yokuzikhethela. Ungazalisa isicelo kwiofisi yenkampani yomshuwalense. Ngokuqinisekileyo, kwaye akudingeki ukuba, kuba umqeshwa ngokwakhe uya kulungiselela ifom, uya kufuneka asayine. Kodwa kuvunyelwe kwaye ukubhala isicelo kwangaphambili ngefomu yamahhala, kuphela okokuqala buza i-insurer ukuba yeyiphi imimiselo enyanzelisayo kufuneka ifakwe kwixwebhu.

Ukuba umqhubi ufakwe eluhlu alukwazi ukuba khona xa kufaka igama lakhe kumgaqo-nkqubo, kulungile. Kwanele ukuba umnini-moto unamaxwebhu omtsha omthatha inxaxheba kuye.

Inqubo eyenziwa njani

Yonke into ithatha malunga nemizuzu elineshumi elinesibini, ingabalali umgca kunye nendlela eya eofisi. Ezinye iinkampani ziququze ukuhamba kommeli we-insurer ukuya kwindlu okanye kwenye indawo efanelekileyo kumthengi.

Umqeshwa wekampani uya kuphendula yonke imibuzo, kubala ukuba kubaluleke kangakanani ukuba ubhalise umntu kwinshurensi ngokukodwa kwimeko yakho, wenze utshintsho kwiziko ledatha kwaye uvuselele umgaqo-nkqubo. Umqhubi omtsha i-arhente inokungena kwi-inshurensi endala. Kodwa ngokuqhelekileyo ifomu elidala lihoxiswa kumnini wezimoto kwaye bamnika elitsha ngokutshintshana-kunye nazo zonke iinguqulelo.

Kungakhathaliseki ukuba idatha ingeniswe njani, iirekhodi maziqinisekiswe ngokusayinwa komqeshwa kunye nesitywina sombutho.

Kutheni ixabiso lomgaqo-nkqubo litshintsha?

Inkqubo ngokwayo ayihlawuli nto, kodwa iindleko zomgaqo-nkqubo ngokwawo zingatshintsha ukuba ingozi yengozi iyanda. Ngokomzekelo, abathathi-nxaxheba abatsha banomdla omncinci kunye nolwazi lokuqhuba umqhubi kunomnini wemoto. Iindleko zomgaqo-nkqubo zinqunywe yiklasi le-OSAGO umqhubi omkhulu onobungozi, ngoko umphathi wekampani yomshuwalense unelungelo lokucela ukubuyiselwa kwemali yokushayela ngaphandle kweengozi, eyayiyinikwe umnikazi wemoto ngaphambili.

Qiniseka ukuba ulondoloze irisidi yentlawulo eyongezelelweyo! Kusenokufuneka ukuba umntu omtsha uthatha inengozi.

Ukuba "entsha" ineminyaka engama-25 ubudala, ineminyaka engaphezu kweyithathu yamava ekuqhubeni, sele iqukumbele iikontraka kunye ne-OSAGO, ngoko kuya kwenzeka ukuba awuyi kuhlawulwa ngaphezulu. Kubiza kangakanani ukungena kwi-inshorensi entsha? Kuya kubakho ukucacisa kwinkampani yomshuwalense, kuba kunzima ukubala ngokuzimela. Iziphumo zokubala ezizimeleyo, zinokwenzeka ukuba ziyahlukahluka ezikhoyo. Nangona kunjalo, sinokuyicinga ngomzekelo wokubala, ngoko kuyacaca ukuba ixabiso elitsha lenziwa njani.

Umzekelo wokubala

Ngokomzekelo, uneminyaka engamashumi amabini anesihlanu ubudala, uphumelele (ngaphandle kweengozi) ukuqhuba ngeminyaka emihlanu. Oko kukuthi, unabakala lesi-8 le-OSAGO, ehambelana ne-bonus-malus ratio (KBM) ye-0.8, ngoko, isaphulelo esingu-20%. Umlinganiselo wobudala / ubude (SWR) ngu-1.

Ufuna ukongeza kwi-inshurensi yesihlobo esineminyaka elishumi elinesibhozo, esandula ukufumana amalungelo. Siza kufumanisa ukuba kubaluleke kangakanani ukubhalisa kwi-inshurensi yomqhubi ngaphandle kwamava.

I-VSWR yomqhubi omtsha ngu-1.8, kwaye i-MBM yi-1 (isigaba esi-3 sigaba esinikezelwe kubo bonke abaqhubi abenza okokuqala i-OSAGO).

Makhe sicinge ukuba ngaphandle kokuqwalasela i-SWR ne-MSC ixabiso lomgaqo-nkqubo ngu-7000 ruble. Ngoko, emva kokufaka i-coefficients yakho, uhlawule: 7000 * 0.8 * 1 = ii-ruble ezingama-5600.

Ukuba abantu abaninzi babhalwe kwi-inshurensi, iindleko zibalwe yi-coefficients ezimbi. Oko kukuthi, ixabiso elitsha kwimeko yakho liya kuqulunqwa yi-coefficients of new participant: 7000 * 1 * 1.8 = 12600 rub.

Ukwahlukana ngama-ruble angu-7000. Kodwa kufuneka uhlengahlengele ixesha oceba ukuyifaka umqhubi omtsha. Ukuba umgaqo-nkqubo ushiywe isiqingatha sonyaka ngaphambi kokuphela komgaqo-nkqubo, ke akuyi kubakho ukuhlawula i-7000, kodwa ii-ruble ezingama-3500.

Bangaphi abantu abangangeniswa kumgaqo-nkqubo

Ngoko, kubaluleka kangakanani ukuba ufikelele kwi-inshurensi yomntu omtsha, bayilungisa. Ngoku sifunda ukuba bangaphi abaqhubi abanokuvunyelwa ukuba basebenze umatshini kuloo inshurensi efanayo.

Akukho zithintelo, nangona kukho iindawo ezihlanu kuphela kwifom yokucacisa abantu abatsha. Ukuba akukho ndawo eyaneleyo, abaqhubi bayabhaniswa okanye ngasemva komgaqo-nkqubo "kwiimpawu ezizodwa", okanye kwiphepha elongezelelweyo eliqhotyoshelwe yinshurensi.

Kungakhathaliseki ukuba unani labantu ofuna ukuvuma kwivili elihambayo lemoto yakho, umshuwalense akanalo ilungelo lokufuna ukuba wenze umgaqo-nkqubo ngaphandle kwemimiselo. Enye into kukuba ukuba inani labaqhubi linabantu abangaphezu kwethathu, ngoko le ndlela inenzuzo.

Ngaba kunokwenzeka ukungena umqhubi omtsha kwiHull

Ewe, unako. Ingakanani indleko yokongeza umntu omtsha kwi-inshurensi yeCASCO, kunzima ukuthetha, kunokuba kunjalo kwimeko ye-OSAGO. Emva koko, iintlawulo ze-inshurensi yomhlaba zibekwe yiBhanki Ephakathi, kwaye kunye neCASCO yonke into iyodwa. Kodwa umgaqo uyinto efanayo: yonke into incike kwixesha elide lomgaqo-nkqubo kunye neerameters of the new participant.

Ukuba uthenge i-CASCO nayiphi na izabelo, izaphulelo zakho emva kokungeza umqhubi omtsha zitshisa. Okanye, mhlawumbi, ngokuchaseneyo, inkampani yakho inikeza inzuzo xa ungena entsha.

Yintoni engenakuyenza?

Kubalulekile kungekuphela nje ukuba wazi ukuba kuninzi ukuzibhalela kwi-inshurensi okanye ukongeza kwoluhlu olunye lwezihlobo, kodwa nokuba ungaphulaphula imigaqo kule nkqubo. Ngaphandle koko, indleko yokufaka umqhubi omtsha kumgaqo-nkqubo uya kwandisa amaxesha amaninzi.

Umzekelo, akuvunyelwe ukurekhoda ngokwakho. Oku kungathathwa njengophando lwamaphepha. Ukongezelela, kulo mzekelo, umqhubi uya kubuyisela umonakalo kwingozi ephakamileyo.

Ngendlela, ukuba ungumnikazi wemoto, qiniseka ukuba igama lakho likwahlu. Ngamanye amaxesha umntu ophethe isithuthi akafakanga negalelo kumgaqo-nkqubo, ephikisana ukuba le milinganiselo yinto nje. Kodwa kuphela ukunyanzelwa kwayo kusongelwa yinto yokuba umnini-moto uza kuhlawula umonakalo ngokwakhe xa kwenzeka ingozi, nangona kukho umgaqo-nkqubo.

Ukuba uvumela umntu ukuba aphathe izithuthi zakho ngaphandle kokwenza utshintsho kumgaqo-nkqubo, ngoko usongelwa ngenhla.

Ngoku uyazi ukuba kuninzi kangakanani ukunyusa kwi-inshurensi yomqhubi omtsha, ukuba ungayenza njani, yintoni eyenzekayo ukuba uyayihoywa le mfuneko. Yenza amaxwebhu ngokuchanekileyo kwaye uqaphele ezindleleni!