Ngaba I-inshorensi imoto kummandla ezahlukeneyo: imigaqo kunye neempawu inkqubo

Ukuthenga imoto - .. An isigqibo esibalulekileyo, ukuze le mali enkulu. Ukufuna Product - nqubo kangako, ngenxa yokuba ukufumana ukhetho efanelekileyo ngenxa yenu, ukuze ukuba zikwimeko entle, akafuni kufuna utyalo ezinkulu, kodwa ayizange ebiweyo kwaye abazange babe nabakhohlisi - kunzima kakhulu.

Kodwa wena uthenge imoto, kufuneka ubeke phezu kwirekhodi, kodwa kufuneka kuqala ukuze ufumane nepolisi ye-inshorensi. Apho ku-inshorensi imoto? Ukuze ufumane inkampani ukunceda i-intanethi, kodwa ukuba uye kuhlala esixekweni apho awunayo imvume yokuhlala? Umbuzo ngulo: ngaba kunokwenzeka ukuba inshorensi imoto kwesinye mmandla? Kodwa nantsi eyona nyaniso.

Imigaqo ye-inshorensi imoto

Car Insurance - inkqubo mandatory kwi Russian Federation. Ngaphandle-nkqubo ubume sangoku inkampani kuni kuqala, akukho namnye uya kuyikhusela isiganeko inshorensi, yaye okwesibini, uya ubhale isohlwayo sama 800 engange.

kufuneka kuzo zonke izithuthi ngaphandle kwabo ngenxa-inshorensi ukuyila iimpawu abakwazi ukuhamba ngokukhawuleza kwe-20 km / h, kuba iSebe lezoKhuselo akavumelekanga ukuba asebenze kwi sigqibo okanye obhaliswe ngaphandle RF.

Kukho 2 iintlobo-inshorensi: MTPL kunye CASCO. CASCO ekhutshwe kuzo zonke iimoto ezintsha enyanzelekileyo. Yaye cars yesibini-ngesandla sele angenza nayiphi na inkqubo yesicelo umnini imoto yakhe.

CTP ikhusela kuphela ilahleko yemali xa kwingozi, Hull kungakongela imali nje kuphela kwimeko ingozi endleleni. Kuyanceda:

• yesela;
• zemoto ne ikhephu, iqhwa, umthi;
• zicinywe izilwanyana;
• ukumka namanzi;
• umonakalo kumaqela wesithathu, njalo njalo. d.

Insurance kwenye indawo

Ngaba I-inshorensi imoto kwesinye mmandla? Kunokwenzeka. Into ebalulekileyo kukuba ukunikela ingqalelo kwimiba eliqela.

1. Uya kuyo nayiphi na imeko Kufuneka ubeke imoto kwi-akhawunti in nokufunyanwa mmandla, ngokunjalo-inshorensi, nokuba wena uze kanye le kuthenga. Kungenjalo, endleleni emva uyakwazi ukuhlangabezana abameli amapolisa ezendlela, ngubani "ntsako" nina izohlwayo ezinkulu ukungabikho amaxwebhu ayimfuneko. Ukuze uphephe oku unako, mhlawumbi ebonisa contract intengiso, ukususela kumhla apho kwakungekho ngaphezu kweentsuku ezingama-10, kodwa hayi zonke amagosa zokunyanzelisa umthetho abanyanisekileyo. Ngoko ke, ukuba niqhubela phambili ufuna inshorensi imoto esixekweni, ziqhubela phambili kule nkqubo isiqendu esilandelayo.
2. Oko kukhutshwa umgaqo-nkqubo zincinane amagama ezifundiswa yinkampani - iinyanga ezi-3. Ngoko ke ixesha inshorensi iza kuphela ngokukhawuleza, yaye uya kukwazi ukuphinda-inshorensi isithuthi sele esixekweni.

Ukuba ngaba awunayo i-mvume lokuhlala, kwaye umbuzo kukuba ingaba kunokwenzeka ukuba inshorensi imoto kummandla eyahlukileyo yobhaliso yethutyana, ngoko, ukuba nikwenze oko, musa mfuneko amaxwebhu anxulumene nendawo yokuhlala yakho. Eyona nto ibalulekileyo kukuba ungummi of Russia. amaxwebhu ayimfuneko, siza kuqhubeka.

Yintoni ekufuneka-inshorensi?

Kuba imigaqo-inshorensi CTP okanye Hull ukufika kweli isebe kwinkampani ye-inshorensi ukhetha. Le nkonzo uyakwazi ukunikeza kwaye kwezinye bebeka emotweni. Kodwa ngokubanzi, kukho iinkampani ezininzi, nto leyo inshorensi imoto ngokukhawuleza kwaye nangaliphi na ixesha kunokwenzeka.

Kuba ubhaliso komgaqo-nkqubo kufuneka ukuba baze nala maxwebhu alandelayo:

1. Passport okanye ID zomkhosi (zomkhosi).
2. uxwebhu lobhaliso lwezithuthi (TCP).
3. mvume abantu bavuma ukuba ulawulo imoto uqhuba.
4. Ukuba isithuthi ebolekiweyo okanye mortgaged, kuya kufuneka amaxwebhu ezingqina oko.
5. Ikhadi sokuhlola kunye data zohlolo ezikhoyo.
6. contract yokuthengisa (ukuba ikhona).
7. Statement, nabanako kuzaliswa ngqo kwi-ofisi okanye kwindawo apho inshorensi imoto.

ixabiso udaba

Ixabiso inshorensi kuxhomekeke kwizinto ezininzi:

1. isithuthi abagqibayo l / s.
2. Indawo yokuhlala yomnini (-inshorensi abahlali basezidolophini ibiza ngaphezu kwabo kunye yobhaliso lommandla).
3. Ixabiso le moto.
4. Ixesha amava ukuqhuba le-inshorensi.
5. Ummandla-inshorensi (kule mimandla esembindini inshorensi iimoto badla imali eninzi kakhulu kwi ekude ngaphezulu).
6. Inani labantu abaya kuvunyelwa ukuba basebenzise i imoto (angafakwa kumgaqo-nkqubo yabantu abathile, kodwa unako nje ukwenza i -inshorensi ngaphandle kwemiqathango).
7. Trouble-free ikhwele (ukuba ukufumana rhoqo ngokwakho kwingozi yemoto, nangona kungekho tyala yawo, ukuze uhlawulele nkqubo iya kuba ngaphezulu).

Ngoko ke, xa besenza isigqibo sokuba inshorensi imoto kummandla eyahlukileyo, kufuneka ufumanise ukuba yimalini inshorensi iya malini kule ndawo.

Iingxaki zixhaphakileyo ne-inshorensi kwenye indawo

Ayizizo zonke iinkampani-ofisi kuzo zonke iziphaluka Russia. Ngoko ke, kufuneka kuqala ufumanise ukuba ingaba insurer kukuthi, umgaqo-nkqubo wakhe ufuna ukuya kwindawo apho ngoko buyela okanye hayi ukuba iingxaki iintlawulo xa kuthe kwehla ingozi okanye imfuneko utshintsho kumgaqo-nkqubo.

Xa kusenziwa isigqibo sokuba inshorensi imoto kwelinye mmandla, Rosgosstrakh kunye nezinye iinkampani ezifana ezaziwayo-kakuhle kunokukunceda kule kakhulu. Kwaye ezinye iinkampani ze-inshorensi unako kwaye uwala umnini imoto yokuhlala non-ndawo. Amathuba kunye nemingeni e MREO xa bebhalisa nomgaqo-nkqubo wenkampani nonregional, kodwa oku kakhulu inqabile.