Apho kungcono ukuba inshorensi imoto?

Xa uthenga isithuthi, ngamnye uxhomekeke yokuba akukho nkathazo iya kwenzeka. Kodwa ke, ngelishwa, kwingozi yemoto ezisezindleleni kwenzeka nakubani na. Zikhusele wena okanye imoto yakho cishe akunakwenzeka. Kodwa ukuba likhusele iindleko zemali kunokwenzeka, ungasebenzisa inshorensi auto. Wonke umntu kufuneka akwazi inshorensi njani imoto nalapho kungcono ukuba wenze oko.

inshorensi obunyanzelekileyo bokuhamba

Olu hlobo lwe-inshorensi, nto leyo ithetha luxanduva umqhubi phambi namanye amalungu kwingozi ezindleleni. Ukuba umnini wesithuthi ngokwayo ityala ngenxa yengozi, unokuba Qiniseka ukuba iintlawulo amaqela wesithathu uya kuhlawula CTP. Olu hlobo inshorensi kunyanzelekile kwaye ikhutshwa kungakhathaliseki ngabaqhubi imodeli imoto. Amaxesha amaninzi umqhubi lungekazilungeli ingozi kwaye akukho namandla mali yokuhlawula iindleko elinye iqela le ngozi. Oku akuyongxaki, ukuba ilawulwa ngendlela ngexesha inshorensi imoto. CTP idla ibandakanya zonke iindleko nxaxheba kwaye isiganeko ingagcinwa kwakhona ngokukhawuleza kulungiswa izithuthi zabo.

Ngaphambili, kwakukho uyilo nkqubo iinketho MTPL eziliqela. Ukuba bonke kwatshintsha xa imfuno yayeka ukuba igunya egqwetha ukulawula imoto yomnye umntu. Kwakukho kuphela uhlobo lokuqala nkqubo. Oku kubandakanya inshorensi na umqhubi lowo uqhuba ngokusemthethweni.

Yimalini inshorensi enyanzelekileyo?

Abanini zezithuthi ezahlukeneyo akuyi kuba lula ukuba iindleko efanayo inshorensi imoto. CTP zinika ukukhupha iinkampani ze-inshorensi koomatshini zonke iintlobo. Ixabiso le nkqubo kulo mzekelo liya kuxhomekeka kwizinto ezininzi. Kwindawo yokuqala, oku kuthathelwa ingqalelo lomnyaka woyekelelo emotweni. Okona isithuthi, kokukhona amathuba ingozi ngenxa na ukungasebenzi. Ngoko ke, lo mgaqo-inshorensi ibize kakhulu.

Enoba yintoni inkampani ukuba inshorensi imoto, ixabiso le nkqubo iya kuxhomekeka amava ukuqhuba. is he taken ingqalelo kwakhona amandla injini. Amava ngaphantsi kunye imoto enkudlwana, kokukhona ebiza kakhulu le nkqubo iza malini. Indawo yokubhalisa nayo ibalulekile. Kwezo ndawo, apho izithuthi imoto mncinci esebenzayo, iya kuba nako ukuthatha i-inshorensi ayibizi kakhulu.

Nokuba kuyimfuneko ukuba anikele ingqalelo ngexabiso eliphantsi?

Ungaze ulibale ukuba lo sisi ezamahala kuphela in a mousetrap. Iinkampani ze-inshorensi abaninzi ezikhoyo emarikeni kwiminyaka nje embalwa, anikele umba nkqubo amaxabiso aphantsi. Kulo mzekelo, akukho siqinisekiso sokuba umbutho ngenene uya kuhlawula iindleko xa kuthe likaxakeka. Kuqala kufuneka inikwe iinkampani abasebenza kangangeminyaka eli-10. Baya izakunika inshorensi imoto ngexabiso eliphezulu. Kulo mzekelo, umxhasi unokuqiniseka ukuba kwimeko yengozi ayiyi silinde iindleko zemali.

Iinkampani ze-inshorensi, sele leyo ndizuze intembeko abathengi, hlale hlela izenzo kunye nekhadi yokugcina umba. Oku kukuvumela ukuba uthenga isixhobo nkqubo liability insurance ngeendleko eziphantsi.

Ngaba sonke kufuneka inshorensi imoto?

nkqubo MTPL ukuza kuthi ga ngoku kukho unxibelelwano. Kukho ngaphandle nje ezimbalwa. baxolelwe ngokupheleleyo inshorensi impahla isithuthi abathatha inxaxheba ekulweni, invalids iqela lokuqala, ngokobuqu ukulawula imoto yakho. Njengokuba kwakunye naleyo elawula isithuthi abakhubazekileyo phambi kwabo. Xa kuthe kwingozi yemoto zonke iintlawulo kuthatha phezu Bureau motor-sithuthi. Le Okungumahluko xa umdlwenguli isebenza kwingozi iqela lesithathu. Ngoko ke umenzi wobubi uthembisa ukuba yokuhlawula zonke iindleko.

Kukho kwakhona eziliqela Kwiimeko apho abaqhubi banelungelo inshorensi imoto ngokuhlawula-50% kuphela yeendleko-nkqubo. Eli thuba luyafumaneka abadala, abantu abathatha inxaxheba ekuvalweni iChernobyl ntlekele, lukhubazekile iqela lesibini, kwakunye amagqala emfazwe. Kubalulekile ukuqaphela ukuba ezi bantu abakwazi akusoloko inshorensi imoto kwi isaphulelo. Yenza nkqubo kungenziwa kuphela xa loo mali injini isithuthi kukuba ukuya ku-2500 cubic metres. cm. Ukuba umatshini akaziphenduli ezinjalo parameters, kuya kufuneka ukuba uhlawule 100% yexabiso nkqubo.

inshorensi yokuzikhethela

Egqugqisileyo namhlanje inshorensi ngokuzithandela. Nangona ukufumaneka iintlobo ezininzi ngenkani ngale ndlela kufuna inshorensi imoto. Casco ivumela umqhubi ukukhusela ekwebiweni okanye umonakalo kwisithuthi. Ukongeza, bonke inshorensi ubomi bam enzonzobileni ngenxa yengozi. Kule meko intlawulo inshorensi iya kufumana izalamane.

yi inkqubo ebanzi inshorensi lugqityiwe kwaye buso. Uyakwazi-nkqubo, nto leyo eya kubandakanya zonke iingozi. Okanye inshorensi imoto ngaphandle inshorensi yobomi. Ukongeza, le program ibonelela ukukhupha umgaqo-nkqubo na isixhobo esifakelwe kwisithuthi. Ukuba loo nto ibiweyo, umqhubi uya kufumana imbuyekezo epheleleyo.

Nokuba ukuphumeza inshorensi ngokupheleleyo comprehensive?

Akukho mba apho inshorensi imoto, kufuneka ukhethe umgaqo-nkqubo oya kumela ixabiso kakuhle imali. Ingxaki kukuba uninzi izinto ze igobhogobho epheleleyo engenamsebenzi. Kuba kunikezelo nkqubo kuya kufuneka ukuba uhlawule imali engange hayi ngaphantsi kwe-10,000. Kulo mzekelo, i-inshorensi sikhutshiwe ukuba unyaka omnye kuphela. Ukuba bucala izinto ezifana ukubiwa kwisithuthi okanye ukubelwa izixhobo ukusuka emotweni, kuya kuba nako ukusindisa kakhulu. nkqubo ixabisa malunge 5000 engange.

Abanini isithuthi abaninzi igaraji nice kunye alam ethembekileyo. Ngoko ke, amathuba yokubiwa isithuthi kuyehla kube ubuncinane. Ngoko ke imali qho ngonyaka-nkqubo inshorensi epheleleyo ezibanzi bekungalunganga. Imvumelwano inshorensi kufuneka ibandakanye izinto ezisisiseko ezifana umonakalo emotweni inxaxheba kwingozi yemoto.

Apho ku-inshorensi imoto?

Inkampani apho isivumelwano kuphothulwe, kufuneka zikhethwe ngononophelo kakhulu. Ngaphambi kokuba ubeke ipolisi yakho, kufuneka sinikele ingqalelo ezahlukeneyo emarikeni. Kuqala kufuneka inikwe mveliso ezifundisa iinkonzo inshorensi ukuya kwiminyaka engaphezu kwama-5. Kukho iindlela ezininzi eziya ngokukhona kucokisekileyo kuvavanya ukuthembeka nkampani. Okokuqala, kufuneka sinikele ingqalelo ubukho amahlakani abasisigxina. Ukuba imibutho emikhulu benze isivumelwano inshorensi kwi ndawo enye iminyaka emininzi - oko luphawu elungileyo.

Phambi kokuba ugqibe apho inshorensi imoto (CTP), kufuneka sinikele ingqalelo ixabiso zeenkampani ezahlukeneyo. Isindululo kuyabiza kakhulu kufuneka sinikele ingqalelo. Kungenzeka, ngoko inkampani yeinshorensi uzama ukutsala abathengi. Akukho siqinisekiso sokuba iintlawulo phantsi kwesivumelwano okunene kuphunyezwa. I-avareji ixabiso icandelo - esingcono.

Ezi zinto zilandelayo ziya kuqhutywa kwiinkampani ezininzi ezithandwa phakathi abanini imoto.

inkampani yeinshorensi "TAS"

Namhlanje, iqela-inshorensi i "TAS" ungaphakathi phezulu iinkokeli inshorensi auto-10. Inkampani isebenza kuphela eRashiya kodwa kwamanye amazwe ico iminyaka engaphezu kwama-15. Insurance Group gqolo wabonisa iziphumo ezilungileyo zemali, ngoxa abaqhubi afumana iintlawulo kwangethuba kwiimvumelwano zabo.

Ukuthembeka liqinisekiswa ngentsebenziswano kunye capital ogunyazisiweyo. Ukongeza, nantsi izenzo umzobo engundoqo umngcipheko re. Ukukhokela reinsurers zehlabathi siyasebenzisana inkampani "TAS". nkqubo MTPL of ixabiso iqala 2000 engange.

"Rosgosstrakh"

nenkampani ezinkulu eRashiya inshorensi abonelela uluhlu olubanzi lweenkonzo. Yiloo nto ngaphandle kunye imoto inshorensi kweenkqubo igobhogobho kunye CTP. Abaninzi namhlanje akukho umbuzo malunga nalapho inshorensi imoto. Abaqhubi kudala amabi "Rosgosstrakh" iinkampani.

Ngo-2015, i-arhente rating "Expert RA" akwazi kwakhona ukuqinisekisa ukuba rating ukhuseleko kwinkampani ye-inshorensi. Ngoko ke, ukuba ukugqiba isivumelwano kunye nayo omnye bakhululekile. Zonke iintlawulo xa kuthe kwingozi yemoto zendlela baqinisekiswa ukuba iphunyezwe. Insurance "Rosgosstrakh" Abantu abaninzi bakhetha kwakhona ngenxa yokuba inani elikhulu leendawo ezishishina ulibonayo kwilizwe liphela. nkqubo Iziqulatho inshorensi kunokwenzeka nkqu lali lincinci. A ummeli wenkampani uya kukuxelela kusoloko malunga iimpawu ze-inshorensi kwaye iya kunceda ukuqinisekisa ukhetho.

"Ingosstrakh"

Insurance Company ezithembekileyo, leyo yenye-arhente Russian ethandwa ezilishumi. Ngowe-2005, waphumelela indawo yokuqala kwi-ofisi ibhokisi ye-inshorensi phakathi nxaxheba amaninzi. Le arhente inshorensi mediaaktivnym abaninzi. On usoloko okhankanywe kumaphephandaba kumabonakude. Ngenxa kule inani izivumelwano ezisayiniweyo luyanda minyaka yonke.

Ukususela ngo-2004 inkampani "Ingosstrakh" sele uqalile ukusebenza kwakhona kwiimarike ka Ukraine Belarus. Ngenxa kule kwinani labaxhasi nako ukwandisa kakhulu. Le nkampani linikeza kuphela zemveli, kodwa kuphela insurances. Kuba iindleko uthobekile, unako inshorensi nje kuphela isithuthi kodwa zonke iziqulatho zawo ngokwahlukeneyo. Kuba nkqubo yemveli kuya kufuneka ukuba uhlawule imali engange hayi ngaphantsi kwe-3000. Kuyenzeka ukuba zithenge inshorensi okanye CTP olubanzi inshorensi. Ukongezelela, ungenza inshorensi ubomi kunye nempilo yabantwana.