Inshorensi imoto ngaphandle inshorensi yobomi. inshorensi imoto obunyanzelekileyo bokuhamba

Yinto akukho mfihlakalo ukuba, ukususela ngo-2013, ukuze akhuphe umgaqo MTPL iye yaba yingxaki enkulu. Zonke iinkampani ze-inshorensi zinika xa usenza imveliso ezongezelelweyo inshorensi lokuthenga MTPL ezifana neinshorensi yobomi, impilo okanye impahla. Kodwa kuthekani ukuba ufuna i-inshorensi imoto ngaphandle ukhuseleko lobomi kunye nempahla? Kulo mzekelo, umgaqo-nkqubo ufika, kufuneka nje ukuba ulinde kancinane.

Kuthekani ukuba kukho imfuno engxamisekileyo ekunyanzelekileyo

MTPL - inshorensi imoto ezinyanzelekileyo. Lo mgaqo-nkqubo kufuneka uthenge kumnini wesithuthi. Kakade ke, ukuba isivumelwano ifuneka ngokungxamisekileyo kwaye akukho umnqweno ukuphikisana ummeli kwinkampani ye-inshorensi, kuyenzeka ukuba bavumelane imiqathango nkampani kuthenga yonke resp.

Ukuba awufuni ukuba overpay, ungasebenzisa le algorithm elandelayo. Le miyalelo uya kuthenga kuphela umgaqo-nkqubo we-inshorensi yesinyanzelo.

Ukuthenga inkqubo kungekho ngeenkonzo ezongezelelweyo

Into yokuqala kufuneka ugcwalise isicelo se-inshorensi. Le fom yesicelo zingafumaneka kuso nasiphi na isikhundla kwinkampani ye-inshorensi okanye ukulayisha kwi web. Ingxelo kufuneka ibe ngokuthembekileyo ukugqiba onke amasimi.

Sakuba isicelo uzaliswe, kuyimfuneko ukwazi ixabiso lesivumelwano sakho. Ungasebenzisa ikhalityhuleyitha online, leyo thaca kwi website esemthethweni kwinkampani yeinshorensi nganye. Ukuze ufumanise ukuba ingakanani na-inshorensi imoto, kuya kufuneka ucacise uhlobo kunye nomthamo ngumnini yobhaliso yesithuthi kunye abaqhubi abaya kuvunyelwa ukulawula. Emva kokungena yonke ingcaciso efunekayo kubalwa ngokuzenzekelayo.

Zamaxwebhu esicelo

Esi sicelo kufuneka uqhoboshele iikopi zamaxwebhu: umnini kunye insurer yokundwendwela, iphepha-mvume lokuqhuba kunye PTSD. Ukuba isithuthi eso iminyaka engaphezu kwemithathu, imfuneko ukunika itshati diagnostic.

Onke amaxwebhu kufuneka inikwe ummeli kwinkampani ye-inshorensi. Kuyimfuneko ukuba ukucela ukubhalisa amaxwebhu kwaye anike ikopi yesibini yesicelo nge uphawu lokuvunywa.

Ngokutsho komthetho, emva kokufumana isicelo inkampani unyanzelekile ukuba akhuphe isivumelwano kwisithuba seentsuku ezingama-30. I-inshorensi angacela ukuba uhlolo olubonakalayo kumatshini kwi (ecocekileyo). Qiniseka ukuba emva kwezi izenzo uya kuthengiswa inshorensi imoto ngaphandle inshorensi yobomi kunye nezinye iisevisi ezongezelelweyo.

MTPL lokuthenga Quick

Namhlanje, ukuthenga umgaqo MTPL, akukho mfuneko yokuba uye buqu kwinkampani ye-inshorensi, kuba unako ukuthenga phezu internet. Le nkonzo ibonelela inkokeli zokhuseleko - inkampani "Rosgosstrakh". Ukuthenga inkqubo, umele uye kwiWebhsayithi atyelele kwicandelo "CTP".

I-inshorensi imoto yokuqala mboleko. Iindleko ixhomekeka: kuhlobo lwesithuthi, nedilesi yomnini, amandla, ubudala kunye namava okuqhuba. Kwakhona musa ukulibala malunga izaphulelo ukuba umqhubi ngamnye wamkela kwi ukukhwela inkathazo-free. Phantsi komthetho ngoku, umqhubi ngamnye ufumana isaphulelo-5% ngonyaka ngamnye ngaphandle iingozi. isaphulelo Enyuselwayo, yaye xa ifikelela-50% siyongezwa.

Emva kokuba ukubalwa kuyimfuneko ukuba bazalise yonke ingcaciso eyimfuneko, chaza ixesha uze wenze intlawulo. Kulo mzekelo, yenza i-inshorensi imoto ngaphandle inshorensi yobomi. Ukuba oyifunayo, lo mgaqo-nkqubo kwakhona zingathengwa kwisiza iindleko ezongezelelweyo.

"Rosgosstrakh" OSAGO in inkampani yeinshorensi

Ukuba awukwazi ukuthenga isixhobo nkqubo liability insurance nge-World Wide Web, ungaqhagamshelana naliphi na isebe kwinkampani ye-inshorensi "Rosgosstrakh" athenge nkqubo. Olu yeinshorensi kuphela ukuba unalo womnatha isebe elikhulu, ngoko ke ukhetho ofisi akuyi kuba iingxaki.

Ikhutshwe inshorensi "Rosgosstrakh" imoto kuphela ukuba la maxwebhu alandelayo:

• yokundwendwela yokuqala zeinshorensi kwaye umnini;

• amaxwebhu isithuthi: Vehicle Ubhaliso okanye isatifiketi sobhaliso;

• ilayisensi yokuqhuba zabo bonke abaqhubi (zivumelekile abaqhubi bangene 5 kwi-inshorensi MTPL);

• ikhadi diagnostic, ukuba iminyaka imoto ngaphezu kwemithathu.

Ngenxa lommeli amaxwebhu kwinkampani ye-inshorensi iya kwenza ubalo nezoviwo liza kubhengeza ubungakanani i-insurance premium. Kuphela emva kokuba imvume inshorensi iya kukhutshwa inkqubo MTPL.

inshorensi ezongezelelweyo

Xa ufaka CTP umgaqo-inshorensi enyanzelekileyo kuzo zonke iinkampani ze-inshorensi ukuba ngokoqobo kwanyanzeleka ukuba athenge i-inshorensi yobomi. Ukuba ucinga ngenyameko, ukuba luhlobo kotaka-inshorensi ngentlawulo engephi. Ngenxa yalo mgaqo-nkqubo, uyakwazi ukubala kwi imbuyekezo endilisekileyo xa umcimbi-inshorensi.

Kwi-avareji, 8-13 amawaka engange zibiza i-inshorensi imoto. Iindleko-inshorensi yempilo olongezelelweyo - kuphela 1-2 amawaka engange. Ngoko ke, zonke umqhubi uthenga ebizayo nkqubo kunye nokoyika nabanye abathathi-nxaxheba yengozi, kodwa zange ndinyamekele impilo yabo. ingaba imveliso inshorensi ezongezelelweyo ukuze uzikhusele ingozi ngoko umele ucinga kakhulu ukufumana ngenyameko.

iinkampani Tricks insurance

iinkampani ezininzi inshorensi ukuba i-inshorensi ngeenkonzo ezongezelelweyo, yiya amaqhinga kancinane. Omnye wabo - ukwala design nje ngephanyazo. Ngabathengi abafuni ukuba overpay, kufuneka angenise uhlolo olubonakalayo emotweni nithelele umgca sobhaliso.

Kuyimfuneko ukuba achaze into yokuba kukho isebe inshorensi imoto kuphela inshorensi yobomi, apho yonke into eyenziwe ngokulandelelana, kwaye kukho isebe MTPL inshorensi kuphela, ukuze asisondeze kuphela kwirekhodi.

Ezinye iinkampani banike nje ilizwi umxhasi ukuba uyilo baya kuphela iisevisi ezongezelelweyo. Ukuba umxhasi uyala, ummeli wenkampani yeinshorensi ubala kwaye yazisa ukuba izaphulelo hayi etshekishwa ngokusekelwe omnye diffraction X-reyi, kwaye ngoko ngeke bakwazi ukwenza isivumelwano.

Kubonakala, akulula kangako ikhutshwe nkqubo MTPL. inshorensi imoto - kuba yimfuneko, kusekwa kwinqanaba yowiso-mthetho, nto leyo eyenza abaqhubi ezininzi Azakuhamba ukugqitha kuqhubeko elukhuni yobhaliso.

inshorensi efanele

Kubonakala, ukuba akhuphe umgaqo MTPL ngaphandle ngeenkonzo ezongezelelweyo kunokwenzeka, kodwa kunzima. Ukuze songe imali, kufuneka benze pre-inshorensi, inyanga phambi kokuphela kwethuba inshorensi.

Kule ngongoma isicelo kunye namaxwebhu afunekayo kwinkampani ye-inshorensi ze ulinde de ube bayamenywa ukuba inshorensi kunye nokuhlola imoto.

inshorensi imoto ngaphandle inshorensi yobomi iya kukhutshwa kwaye uya kukwazi ukuhambahamba kwi kwisithuthi sakho inshorensi.

Ukuba kunokwenzeka, kuya kuba kuhle ukuba uthathe ithuba inshorensi online kuthenga le fom ngekhompyutha ze-inshorensi yesinyanzelo. Oku konga ixesha nje kuphela kodwa imali.