Inshorensi Hull kunye itsalelwa - ntoni na? wenza njani nalo ilungelo Hull?

Phambi ukuba inshorensi imoto, kubalulekile ukuba aqhelane ngokwemiqathango ezisisiseko ezisetyenziswa kule nkqubo, ingakumbi i "franchise". agents inshorensi kufuneka ukuba bakuxelele ngazo zonke izibonelelo ze-nkqubo wokufumana. Kodwa hayi yokuba ukuchaza bokuqonda usebenzisa iminqwazi kunye hlobo. Ntoni na kwaye iyeyiphi na imiqathango ezikhutshwe kule nkonzo, funda iinkcukacha ngakumbi kweli nqaku.

definition

Itsalelwa - isixa semali ukuba umntu kufuneka bazihlawulele ngokwabo xa umcimbi-inshorensi. Kusenokwenzeka ukuba kubonisiwe% okanye bhunxe. ubukhulu kuvunyelwene kwangaphambili echazwe kule nkqubo. Umthengi uyalinandipha isaphulelo, ukuba uyavuma ukuthenga nesigcina-ntloko kunye itsalelwa of RESO.

iintlobo

franchise olunemiqathango: zonke iintlawulo ngaphezu ubukhulu bayo, inkampani ihlawulelwa ngokupheleleyo. Kodwa ukuba imoto obiza bachache kancinane, i-inshorensi uya kwamkela nto phantsi nkqubo. Umzekelo: i nalo ilungelo yi-10 000 engange, kunye neendleko nokulungiswa - 8000 engange. Ngokutsho ngokwemvumelwano kulo mzekelo, umxhasi akuthethi ukufumana nantoni na. Kodwa ukuba imali iindleko yi amawaka 12 engange, i-inshorensi ihlawula umonakalo ngokupheleleyo kwaye akanakutsala ixabiso hlobo. Ukuziqhelisa, olu khetho akusoloko kusetyenziswa, ekubeni ubuqhetseba ufumaneka xa umthengi kwandisa ngokukodwa isixa umonakalo kwinqanaba hlobo.

Kaninzi abathengi bakhetha ukuthenga CASCO umgaqo-inshorensi kunye itsalelwa. Kuthetha ukuthini? Kuyo nayiphi na imeko, umthengi uya kufumana imbuyekezo inshorensi thabatha imali kwangaphambili (franchise ngokupheleleyo). Umzekelo: ngo-nkqubo wayenza yacaca nalo ilungelo-mali ka-3000 engange. Umdibaniso kweendleko iimoto yokubuyisela - amawaka 10 engange. Umxhamli kuya kufumana kubo engange 7000 kuphela. Imali eseleyo kwakuza kufuneka ukubuyisela ngenxa yabo. Imigaqo-nkqubo elolu zithengwa rhoqo.

supplements

CASCO inshorensi kunye itsalelwa of olungenamiqathango yeentlobo ezimbini. Inxalenye yale iindleko ukuba umxhasi uyakuchacha ngokwabo, ungaboniswa njenge inani okanye ipesenti ethile. Kwimeko yesibini kubhaliwe kuthathelwa wear akhawunti kunye iinyembezi. Umthamo we nalo ilungelo kunye ixesha ukusetyenziswa ziyahluka ngokulingana ngqo.

Umzekelo: ukuba ukucwangcisa inkqubo CASCO inshorensi itsalelwa kule mali ka-15% yesibonelelo semali yezindlu lomonakalo. Ukubuyiselwa iimoto kufuneka amawaka-50. Thambisani. Of inkampani (IC), umntu lowo ke uya kufumana 50 * (1-0,15) = 42,5 amawaka. Hlikihla. A abaze - 7.5 - ukuhlawula ngokuzimeleyo.

Nantsi indlela nalo ilungelo inshorensi wenqanawa.

okukhona

Kuxobekeka kwezo meko, ukuqhuba amava, iimfuno kunye namathuba abaxhasi imigaqo ezinjalo iingenelo eziliqela.

1. Ulondolozo kuthengwa. Nkqubo kunye itsalelwa usoloko zitshiphu ngaphandle kwayo. Ukwehla ixabiso ngokubanzi oluphindwe-ezimbini isixa esiqingqiweyo. Ngokukodwa ke ephawuleka kwi iindleko abaqhubi abatsha (ngaphantsi kweminyaka emibini). Kubo, ngokuqhelekileyo kwasekwa multipliers. Le isaphulelo kwandisa ngokomlinganiselo isixa esiqingqiweyo. Bala ixabiso uqikelelo-nkqubo, ungasebenzisa ikhalityhuleyitha online kwi-website ye kwinkampani ye-inshorensi. Kodwa ukwenza imveliso onjalo, kubalulekile ukuba siqaphele ukuba kungenzeka ukuba inxalenye yeendleko kuyo nayiphi na imeko kuya kufuneka sikhala ngokwabo.
2. Gcina ixesha. Kuba imikrwelo encinane emzimbeni, okanye ezinye umonakalo umxhasi akayi kufuneka uqhagamshelane inkampani ukufumana imbuyekezo. ukubuyiselwa itsalelwa of Casco kwiimeko ezinjalo ungekho.
3. Ngokutsho manani, iimoto kunye itsalelwa mbalwa ingozi yemoto. Isebenza into engqondweni. Umqhubi uyaqonda ukuba nkqu imoto kunye inshorensi, kodwa inxalenye yeendleko kuya kufuneka ukuba imbuyekezo ngenxa yabo. Sinokuthi ukuba nalo ilungelo yenza abantu ukulawula isithuthi ngenyameko ngakumbi.

Benefits Insurance Company

Ubukho le nalo ilungelo kusindisa it ukusuka kokuba usebenzise i tape ebomvu ukwenzela ukuba ahlawule imbuyekezo encinane 2-3 amawaka engange. njalo Indlela amaxwebhu kuyilo iyafana. Kodwa oku iindleko nkqubo lingaba ngaphezu kakhulu zesixa sentlawulo ngokwayo. Hull kunye nalo ilungelo igcina kwiindleko zabefundisi. Oku ukugqithisela yeenkxalabo umthengi lowo. Umntu akanyanzelekanga ukuba lonke ixesha ukupheka ipakethi amaxwebhu ukuze bafumane imali kwi-UK. Ingakumbi kufuneka luthathele ingqalelo ukuba inkqubo yobhaliso ye izibambiso ukuba imoto ekufuneka zilungisiwe, ingathatha iinyanga eziliqela.

ezinye iinketho

Ngaphandle franchise zemveli ingqalelo, SK ezenziwa ngamanye imigaqo-nkqubo. Le misebenzi yenzelwe ukuba amaqela athile abathengi.

igobhogobho franchise Dynamic okanye intlawulo kwimeko yesibini. Umongo esi sindululo kukuba ingxelo yokuqala umonakalo reimburses i-UK ngokupheleleyo. Elesibini uqala ukusebenza lo hlobo. Maxa wambi le yipesenti ukunyuka nge unyango umxhasi ngamnye kwi-UK. Kwangaxeshanye oko zinokutshintsha a ukuqhubela yemigca.

itsalelwa okwehlileyo isetyenziswa kuphela xa onoxanduva ingozi akuyona client. CK unyanzelekile ukuba alungise umonakalo, kwanokuba omnye umqhubi babaleke.

Kuxhomekeka kwixesha xa isiganeko inshorensi intsukaphi, a igobhogobho eyodwa itsalelwa zingasetyenziswa. Kuthetha ukuthini? Indlela-nkqubo zicaciswa gca umonakalo nje kuphela, kodwa ixesha apho kuvela. Ukuba isiganeko inshorensi kwenzeka kungekudala, umxhasi uhlawula zonke iindleko ngokwazo.

Umzekelo: umqhubi isebenzisa imoto kuphela evekini. Kule veki, wafudukela izithuthi zikawonke. Uye wagqiba ekubeni ikhuphe CASCO franchise yethutyana. Ukuba isiganeko benefits lwenzeka kwi evekini, le nkampani ibonelela zonke iindleko. Kodwa ukuba umqhubi ufumana ingozi yemoto ngeCawa, imali ukuze kubuyiselwe iimoto kuya kufuneka ukuba ahlawule epokothweni.

Xa ukuthenga umgaqo

• Xa ukufumaneka kwezibonelelo simahla inxalenye ezizimeleyo iindleko. Isaphulelo ukuba xa uthenga le nkqubo, iya nje kusetyenziselwa ukulungiswa. Kodwa umcimbi benefits oku kungenzeki. Ngoko ke inzuzo izicacele.
• Nokuzithemba ngezakhono ukuqhuba kunye nokufumaneka yamava inkathazo-free ixesha elide. Ukuba umqhubi uziva ngathi intlanzi emanzini emva kweevili, ngoko ke nkqubo Hull kunye itsalelwa unokonga imali. Amathuba yengozi uhlale apho. Kodwa ukuba indlela yokuqhuba ekhuselekileyo Iminyaka emininzi yamava, ukuba nalo ilungelo kuya kunceda ukuba wonge yinxalenye imali yentsapho.
• igobhogobho Full kuquka "Ukonakala" yaye "ubusela". Masithi umxhasi ufuna ukuba ne-inshorensi kuphela ingozi yokuqala, ngokuba ukholose izakhono zabo kunye imikrwelo encinane umzimba angarholi rhafu ingqalelo. Ngoko kuyimfuneko ukuba kuthengwe Hull ngokupheleleyo kunye nalo ilungelo elikhulu (7% okanye ngaphezulu), i UKUBUYISELA "Umonakalo". "Imoto" ayikwazi-inshorensi zonke iinkampani, hayi kanye mandithi, le nkonzo ifumaneka impahla kunye nezinye. Ngoko ke, kwiimeko ezinjalo kuyimfuneko ukufumana nkqubo ngokupheleleyo.

Xa isibalo kukunika

Ngokutsho manani, le nkonzo ayikho abaxumi inzuzo, ngubani ngokufuthi bazifumane kwingozi. Ngokukodwa, oku kusebenza makhwelo abaqhubi kunye nabo titwa ndzi nga sirhelelekanga ishishini ezintendeni. Abantu abanjalo ngcono ukuthenga inshorensi ngexabiso epheleleyo, kuthathelwe ingqalelo yonke imibandela. iingozi ezincinane ezinjalo abathengi kwenzeka izihlandlo eziliqela ngenyanga.

Enoba hlobo buyanceda

Emarikeni kukho iintlobo ezahlukeneyo nkqubo ukuze zifaneleke kwezinye abathengi. Abaqhubi abanamava ukuthenga ngcono CASCO epheleleyo, okulungileyo ngokupheleleyo nawuphi na umonakalo obangelwe ngamaqela esithathu. Abantu abo banamalungelo kutshanje sona, kufuneka sinikele ingqalelo le-inshorensi kunye hlobo olutshintshayo. isaphulelo Big kubo unganikezelwanga, kodwa into zengqondo ziza kuqhubeka ukusebenza. Abaqhubi ingozi ogama main ithuba ubusela okanye kwintshabalalo, kungcono ukufumana CASCO kunye mali iphezulu franchise, umzekelo, inkqubo "50 ukuya ku-50".

Umlinganiselo le mali

IC nganye ngokwayo ibala igcina yomonakalo. Kwiimeko apho itsalelwa iza kusetyenziswa 0 okanye 100%, kunqabile kakhulu. Kodwa usoloko wenza kwaloo mgaqo: engaphantsi kwexabiso into, kokukhona iindleko kuya kufuneka sibuyekeze umthengi. Hull itsalelwa of RESO ngokuqhelekileyo enikwe phantsi kwale miqathango ilandelayo: 0.5-1% yeendleko ukubuyisela isithuthi ngenxa yeengozi ezindleleni, amanyathelo angekho mthethweni zabanye abantu, yaye-5% ukuze umngcipheko ithe zincitshiswe ngumthengi. Ukuba le iindleko nqaku ngu-0%, ngoko ke ixabiso le nkqubo yeemoto eninzi kunokuba ukuya kwi-6% yendleko isithuthi, emakhaya - 3,96%.

Credit Car Insurance

Qonda yonke bokuqonda-nkqubo bukule nto. Ingakumbi ukuba isithuthi zithengwa ngetyala. Iibhanki babe uluhlu amahlakani-inshorensi, nto leyo ngaphambili ikuvumile imiqathango wentsebenziswano. Qukumbela isivumelwano kunye neenkampani ezinkulu kwimarike, abathengi bathenga kwi OJSC "Sberbank" CASCO. Franchise okunye ezinjalo inikezelwa qho mandatory. Nangona ixabiso le nkqubo kungancitshiswa ngaphandle ngokwandisa iingozi zayo. Umzekelo, xa umxhasi ufuna inshorensi isithuthi kuphela kwimali-mboleko, okt 70-80% yexabiso emotweni. Kodwa kulo mzekelo, ibhanki iya ngakumbi kukhuselwa. Intlawulo iya kuba ngokomlinganiselo ubungakanani mboleko lophelelo hlobo. Xa oku idluliselwe kwi-akhawunti okanye inkonzo, nto leyo ebandakanyekileyo ekubuyiselweni yemoto, okanye engqayini, ukuba isithuthi sele ibiweyo, okanye zitshatyalaliswe ngokupheleleyo. Kodwa ukuba imali yentlawulo akawuvingca imali-mboleko, uya kuqhubeka umxhasi kufuneka ahlawule elo tyala iphuma epokothweni yakhe.

Itshivela byi kabini

Xa arhente ithi: "Thina kancinci ukwehlisa izinga kwakho", izigulana ezo kufuneka baqonde ukuba kule meko kuya kufuneka ukuba imbuyekezo inxalenye enkulu imali ngokwabo. A ugcino ezincinane nisaqala luboniswa ukunyusa izinga (imali) of the hlobo. Ngelishwa, le inkcubeko inshorensi eRashiya kangaka luyalambatha. Ngenxa yokuba abantu baqonde ngokupheleleyo kakuhle zonke magama kunye nonxulumano phakathi kwentlawulo kunye itsalelwa, uyavuma iyanikela ukuthenga arhente inshorensi kunye 5-10% zeendleko zobuqu.

50 ukuya 50

Kuphela MTPL itsalelwa ezisisigxina kwangaphambili. Kodwa ke kule meko imoto kuqinisekiswa yokuba oko hit umntu. Amaninzi, abaqhubi uthathe kule nkqubo ngethuba lokuhlolwa. Ngoko ke, ngumba ophambili ixabiso labo ubabalo. Isebenza umthetho ofanayo. Ukunciphisa ixabiso le nkqubo, i-UK kwandisa hlobo. Kodwa inshorensi enjalo alungele kuphela abaqhubi abanamava. Kodwa bobabini uyaqaphela impazamo zabo kuphela xa isiganeko inshorensi, xa Kubonakala ukuba le nkqubo iquka%-50 kuphela iindleko.

isiphelo

Ukuze inshorensi imoto ukusuka umonakalo ukuba masifakwe ngenxa yezenzo amaqela wesithathu, kufuneka uthenge i-nkqubo kunye Hull itsalelwa. Yintoni na? Kwimeko apho ingozi le lomxhasi qhagamshelana kwinkampani ye-inshorensi ukuba imbuyekezo ngeendleko ukuze kufunyanwe izithuthi. Emva kokuba ubhaliso lwamaphepha yonke intlawulo iza kwenziwa ngaphakathi kwimida isixa-inshorensi, kodwa thabatha itsalelwa. Oko kukuthi, umntu benefits zisabonakalisa yinxalenye ilahleko, kodwa ubungakanani labo liya kubhaliswa kwangethuba kwi yesivumelwano isixa esiqingqiweyo okanye ipesenti.