Inshorensi ukuba imoto: design, yokubala

Ukuthenga imoto sikhatshwa eziliqela iinkqubo ekufuneka yenziwe. Ezi ziquka nokupheliswa kwesivumelwano yokuthengisa (isipho, ilifa, njalo njalo. P.) Yaye kudlule co, kunye ne-inshorensi imoto, nokubhaliswa MREO endlela. Noyithabatha ke zonke iimfuno ukuba kanye lo myalelo, kungenjalo inyathelo elilandelayo uya kuthunyelwa kwindawo ephosiweyo.

Makhe sihlolisise oko motor i-inshorensi yomntu wesithathu, yaye yonke into enxulumene nayo.

imithetho-inshorensi

inshorensi imoto inyanzelekile kwilizwe lethu. Lo mgaqo-inshorensi kuyimfuneko ukuba kuzo zonke iintlobo zezithuthi. Ezi ngaphandle nje ke sithuthi, ngenxa iimpawu zobugcisa musa ukuhamba ngokukhawuleza kwama-20 km / h, okanye abe kwiSebe lezoKhuselo akavumelekanga ukuba asebenze.

Ukuba kuyimfuneko, ungenza inshorensi imoto kummandla eyahlukileyo, oko kukuthi. E. Hayi emzini wakhe. Kulo mzekelo, kungakuhle ukuba ukhethe nje inkampani okanye i-ofisi, ezifumaneka kwingingqi, apho uya rhoqo usebenzise imoto kunyaka ozayo (okanye nasiphi na iintshukumo nkqubo).

Ukungabikho inshorensi kwiintsuku zokuqala ezili-10 emva kokugqitywa kwesivumelwano sentengiso ayenziwanga ezisengozini, lo mgaqo, nto kodwa isilumkiso evela amapolisa ezendlela, oko kukuthi, kwiintsuku ezili-10 - .. Umhla kokwamkelwa kwawo onke amaxwebhu ayimfuneko. Kodwa iimfuno inshorensi auto inyanzelekile, isohlwayo ukungathobeli, xa abaqeshwa stop order, lungafumaneka. Uya kuba 800 engange. Kwaye oku kuya kuqhubeka kude kube wakhupha nepolisi ye-inshorensi.

Apho ku-inshorensi imoto?

Insurance kuba imoto wenziwe kulo naliphi na isebe le ngeprofayili inkampani, nto leyo benza lo msebenzi. kumaqela ngoku inani elikhulu, kodwa kungcono ukukhetha kakuhle eyaziwa nezingqinekayo ukuba xa isiganeko benefits akazange aye ngaphandle nto. Edume kakhulu phakathi kwabo: Rosgosstrakh, Ingosstrakh, "Intouch", "Renaissance" kunye nabanye.

Ngawaphi amaxwebhu ezifunekayo

Insurance kuba imoto yenziwe nayiphi inkqubo. la maxwebhu alandelayo kwi nkampani ekhethiweyo inshorensi:

1. passport Russian.
2. iphepha-mvume lokuqhuba.
3. Nqaku.
4. Ikhadi sokuhlola kunye data zohlolo ezikhoyo.
5. Isivumelwano sentengiso (isipho, njalo njalo. N.).
6. Amandla egqwetha (ukuba inshorensi imoto hayi ezenzelwe wena).

ongakhetha inshorensi

Inshorensi ukuba imoto ikhona kwiinguqulelo 2: MTPL kunye CASCO. Insurance xa uthenga imoto (entsha) kumthengisi imoto kuthatha uhlobo Hull nakanjani. On the b / a Imoto kukhutshwa MTPL okanye CASCO ukuba akhethe kuzo.

Ngelo xesha umgaqo-inshorensi CASCO kukho iintlobo ezimbalwa ukuba iinkampani ezahlukeneyo babe amagama ahlukeneyo. Umzekelo, miniKASKO - ukukhuselwa kuphela ngengozi, ngokwenza inxenye yemali, yaye intsalela ihlawulwa Ukongezelela kwimeko yesiganeko inshorensi.

inshorensi MTPL

I-inshorensi ukhetho ilula kwaye ibiza kancinane. CTP ukhusela kuphela isithuthi xa yokudala ingozi yemoto (ubusela, umonakalo, kwaye CTP ayenzi ukukhusela izinto ezinjalo, nangona izimvo ezahlukeneyo, kwaye inshorensi iya kuhlawula nantoni na).

Ngoku wonke kwikona uyakwazi ukufumana igama elithi "inshorensi auto CTP." Rosgosstrakh kunye nezinye kakuhle yaziwa kwaye kudala ukusebenza lemarike inkampani, kwakunye inani elikhulu amagqwetha abo akukhuthazwa ukuba isicelo kwi-ofisi ezincinane. Kulungile ukuba akhuphe ipolisi ye-inshorensi ibiza kakhulu, kodwa ke kwimeko yintoni kanye ukuze ufumane imali yakho.

inshorensi CASCO

CASCO - a uhlobo inshorensi, elikhusela ekwebiweni okanye umonakalo, inkampani yeinshorensi enika kubutyala ubusela okanye kulimaza imoto aze ahlawule umonakalo.

iimeko Insurance apho igobhogobho esebenza:

• Zicinywe esinye isithuthi.
• Sondeza ku izinto kunye nezilwanyana.
• Ukuguqula umatshini ngenxa yengozi.
• izinto umonakalo Vehicle ewile phezu kwakhe, kuquka imithi, amasebe, ikhephu okanye ice ebusika, kunye nemisebenzi kwempahla.
• Betekisi izinto phantsi amavili esinye isithuthi ihamba ecaleni kwakho, kubangele umonakalo iindawo isithuthi okanye yokudala ingozi yemoto.
• Ukuntywiliselwa emanzini ngenxa kwizikhukula ngengingqi, ukusilela iindlela, phuma ngabom okanye nkxu emanzini phantsi ngumkhenkce.
• Womlilo, udubulo.
• ukwenzakala ngabomi okanye ngempazamo okanye ekutshatyalalisweni isithuthi, ubusela ngamaqela esithathu.

CASCO inshorensi iimoto alisebenzi ezi meko zilandelayo:

• Umonakalo isithuthi kolawulo wesithathu (ngaphandle / y, hayi ebhaliwe polis, ukwimeko kunxila).
• Management udakiwe.
• Ukonakala disc, ipeyinti njalo njalo. D. (Ukuba ayichaphazeli ezinye iindawo imoto).
• Ukubiwa yamavili neepleyiti number (ukuba ubusela kwenzeka ngaphandle kokuqhatha imoto).
• Ukubiwa imoto (ukuba lenjongo recorder yashiyeka umatshini).

Ixabiso le-inshorensi

Iindleko zeinshorensi kuxhomekeke kwizinto ezininzi:

• TS abagqibayo l / s.
• Age kunye namava okuqhuba zomnini imoto (abantu abangaphezu kweminyaka engama-21 kunye namava kwama-3 yeminyaka inshorensi zitshiphu zonyaka-20 ubudala kunye nonyaka namava 1).
• Inani abaqhubi khona (apha ke kubalulekile ucinga ntoni inshorensi ngaphandle kwezithintelo ziya kuba zitshiphu ukungena kule nkqubo abantu 3).
• zokhuseleko State (kwimimandla esembindini, oko kudla ibiza ngaphezu ezisemagqagaleni ngaphezulu).
• Trouble-free ikhwele (ukuba asifumani kwingozi yemoto, ipolisi yakho ye-inshorensi iya zibiza ngaphantsi kwe abo rhoqo phezu ayilotyala lakhe uba ngaba iqela yengozi).
• Zonyaka (Benze elinye okanye amabini ngexesha, aze ke ukuba bahlaziye kuba kakhulu ibiza ngaphezu kuyilo wonke kwangoko).

Bala ixabiso inshorensi Ungasebenzisa calculators kwi Internet.

Njani na yembuyekezo umonakalo?

Ukuze ufumane imbuyekezo ngemali, kufuneka uqhagamshelane inkampani ye-inshorensi ekhuphe nkqubo zingadlulanga iintsuku ezili-14 emva kwengozi.

Kulo mzekelo, kukho 2 iinguqulelo zeziganeko: izikhululo wokulungisa le-inshorensi kwi-inshorensi (kwizikhululo kunye nenkampani basayina isivumelwano ukubonelela ngeenkonzo ukwenzela ukulungisa iimoto). Kukho omabini amacala akhabayo kunye navumelanayo. Kunye nenyaniso yokuba umnini akuyomfuneko ukukhangela ivenkile yokulungisa. Kodwa ukulungiswa kungenzeka imisiwe, imoto inokuba ixesha elide ukuba bangayeki, kodwa ukuba kube kubi kunokuba kwakunjalo. Ngoko ke kufuneka ababhetele ukufumana inkampani yeinshorensi ukuba ukuhlawula ngemali.

Emva kokuvela isiganeko benefits ukubonelela inkampani yeinshorensi kufuneka la maxwebhu alandelayo:

• Imvumelwano inshorensi (original);
• iphepha-mvume lokuqhuba (copy);
• Isiqinisekiso sobhaliso yesithuthi;
• Amaxwebhu avela amapolisa ezendlela okanye ezinye izakhiwo podtverzhdyuschie nto yenzeka (originals);
• Yentsusa okanye ikopi protocol kwaye ibonisa uluhlu lwe iinxalenye kunye namacandelo ezithe indawo, izixhobo ihlawulwa kubo imali invoyisi yentsusa kunye namaxwebhu engqina ukuba ubunyani ukuhlawula onke ngasentla, ukuba kukho imfuneko.

Ukuba unayo auto-inshorensi CASCO, kufuneka kwakhona ukunika la maxwebhu alandelayo:

• invoyisi yentsusa ehlawulelwe ngobungxamo imoto, ukuba zikhona.
• Ukuba umatshini yonakele okanye ayikwazi kubuyiselwa ngenxa ziintlekele zendalo, kuya kuthabatha uxwebhu kumzimba federal onoxanduva kweliso yemo engqongileyo.
• Kwakhona, inkampani yeinshorensi ingafuna isigqibo kwi ukunqunyanyiswa okanye ukupheliswa uphando ityala lolwaphulo-mthetho, ikopi ukubambana, kwaye iziphumo axilongwe, ukuba agcinwe.