Njani na ukutshintshwa na ifestile kulo wenqanawa?

Kwilizwe lethu, umnini sithuthi kufuneka i-inshorensi. inshorensi Car CASCO equka zonke iindleko ezinxulumene ne ukubiwa kwemoto, ngokunjalo umonakalo yayo ngenxa kwingozi yemoto. Enye amabango inshorensi ixhaphakileyo ezijongene abaqhubi beemoto ezininzi, na umonakalo kwifestile ngenxa yengozi ezingephi kunye umonakalo encinci kumatshini, kwakunye nokudla izinto zangaphandle ihamba. Ngoko ke, anomdla umbuzo yabanini ezininzi imoto njani ukutshintshwa kwe ifestile kwi igobhogobho.

Types of umonakalo kwifestile

Ukuza kuthi ga ngoku, ezi ndidi zilandelayo umonakalo kwifestile kumatshini ukuba iintlawulo inshorensi ifuna:

• ukulwa - yinto imeko apho ifestile yayonakele kwi kungquzulwano enye imoto okanye ngenxa ngokubethwa nayiphi na into;
• ivale - umonakalo into angaphandle kwiglasi, okanye ukuhla ngamandla obushushu. Olu hlobo umonakalo yenye yezona yingxaki, kuba endaweni iglasi iqhekekile yalo mgaqo-nkqubo kunzima;
• spall - umonakalo obangelwe uvakalelo ngokomzimba. Nangona kunjalo, kubalulekile ukuqonda ukuba ukutshintshwa kwe ifestile e Rosgosstrakh igobhogobho kunokwenzeka kuphela xa umonakalo mkhulu kuno-3 ezinga- ubukhulu;
• imikrwelo iimeko-inshorensi, kodwa iglasi replacement ubungcali obuyimfuneko zobugcisa. Ukuba imikrwelo akhiwe kwi ifestile kwicala umkhweli kwaye musa ukuphazamisa ngokutsha yesiqhelo, lo mgaqo na iindleko, ezijolise ingena kwifestile kukugubungela;
• attritions komonakalo kubangelwa kukuwohloka zophando, ngoko ukutshintshwa kwifestile kungakhankanywanga-nkqubo.

Ngelithini oku kulandela ukuba ifestile replacement for Hull e RESO, lo Isiqinisekiso uhlala khona, phezu nkqubo nawuphi na inshorensi inikeza akukho ndlela kuzo zonke iimeko, ngoko, kuyilo inshorensi Kucetyiswa ukuba ufundisise ngokwemimiselo yayo.

Yintoni kubhaliwe umonakalo kwiglasi kule nkqubo?

Zonke iindidi kophuke kunye umonakalo kwisithuthi eziquka intlawulo imbuyekezo ngemali kumqhubi zidweliswe kwisivumelwano.

Yona ngeefestile, lonke ulwazi malunga umonakalo ezi zinto zicaciswa gca "Ukutshintshwa kunye nokulungiswa lweziqalelo iglasi," eyile:

• ifestile, ummisele kunye kwicala iifestile;
• icala-umbono esipilini;
• zemoto;
• lights yokupaka;
• blinkers;
• izinto zokukhanyisa ezongeziweyo, ukuba aqukiwe izixhobo isithuthi yokuqala.

Imbuyekezo ukuba ziyolungiswa okanye ukukhutshwa kwezinto naziphi na izinto ezidweliswe ngasentla zingafumaneka kuphela ukuba kucacisiwe kwisivumelwano.

insorensi

iziganeko oKhuselwe ngeInshorensi phantsi apho ukutshintshwa kwe ifestile kwi igobhogobho,-inshorensi ekuvunyelwene zixhomekeke umqhubi inkqubo inshorensi ekhethiweyo.

Ukuza kuthi ga ngoku, zonke Umqhubi-inshorensi imoto yakho imingcipheko zilandelayo:

• ubusela - umqhubi ifumana imbuyekezo kuphela kwimeko ubusela imoto, kwaye ukuba akukho iinkonzo ezongezelelweyo ebandakanya iintlawulo ukulungisa imoto sele ukhutshiwe, intlawulo ayihlawulwanga yi-inshorensi;
• ngokungqinelana nomgaqo-nkqubo replacement ibhanile ifestile ihlawulwa kuphela xa yonakele kwezi meko ezimbini zokuqala, xa lo mda wedatha, zonke ukulungiswa yabekwa ngumnini moto;
• xa sukuba usenza inshorensi olulula imbuyekezo ngemali akuyomfuneko ukutsala endlela;
• lemoto replacement for Hull kunye nalo ilungelo kunokwenzeka kuphela xa umonakalo ubunzima ungaphezulu iindleko-nkqubo. Kungenjalo, iindleko umnini wesithuthi iya kuba phezulu kakhulu ubungakanani bomonakalo ubunzima.

Ukuba hit kwingozi yemoto okanye ngenxa naziphi na iimeko, kuye yonakele ifestile, ngaphambi kokuba lixele insurer ekucetyiswa ukuba ufundisise isivumelwano, ingakumbi, oko kunika kumabango-inshorensi, kwakunye nenkqubo kunye ngokwemiqathango zokufumana imbuyekezo ngemali.

Njani na indawo le ifestile phantsi nkqubo ka Hull?

Ukufakwa kwi ifestile kwi igobhogobho RESO ezinye insurer kwaye imigaqo kule ndlela ilandelayo:

1. Xa lesitofu ingozi, leyo yayonakaliswe izinto iglasi, kufuneka belinqula abameli kwindawo kwingozi yemoto.
2. Yazisa i insurer ngengozi. Kufuneka kwenziwe kwisithuba ngexesha elimiselweyo mvumelwano inshorensi.
3. Bhala isicelo indawo ifestile kwi igobhogobho.
4. Kwathi ukuxilongwa yobugcisa ukuqinisekisa isixa umonakalo.
5. Lungisa i iphakheji amaxwebhu ayimfuneko.

Kuphela ngokunamathela kule ulandelelwano, ungakwazi ukubala imbuyekezo zonke ukulungiswa ezathi zenziwa ngenxa isiganeko inshorensi.

Ngawaphi amaxwebhu ekufuneka ukuba siyilungise phi na?

Ukuze ufumane imbuyekezo ingena kwifestile ye-nkqubo CASCO kufuneka unike insurer nala maxwebhu alandelayo:

1. Isiqinisekiso evela amapolisa endlela.
2. Ikopi yale ndlela yonxibelelwano.
3. Isenzo abapasa iimviwo zobugcisa, nto leyo kugqiba ubungakanani bomonakalo ubunzima.
4. Ukwala ukuvula ityala lolwaphulo-mthetho, ukuba umonakalo yafunyanwa kubantu besithathu.
5. nkqubo CASCO.
6. Titsh.
7. passport Original.
8. iphepha-mvume lokuqhuba.

Ukuba i-inshorensi part-time ngoku, amaxwebhu kwimihlathi yokuqala, eyesibini neyesithathu engekho kuyimfuneko.

Iindlela zokufumana imbuyekezo yemali

Xa sele kudlule izakhono zobugcisa kunye insurer wanelise isigqibo malunga nentlawulo imbuyekezo ngemali, umqhubi uyakwazi ukufumana imbuyekezo umonakalo ofunyenwe ngenye yezi ndlela zilandelayo:

• lemoto replacement for igobhogobho ngenxa insurer kwisikhululo;
• ngemali kwi-ofisi.

Ezi ndlela banamalungelo athile nezingeloncedo, ngoko kuyimfuneko ukuba ukucacisa kumntu ngamnye kubo.

Indawo inkampani yeinshorensi kwisikhululo inkonzo

Le ndlela ikhethwa ngenxa yokuba kule meko insurer uhlawula nje kuphela ubucukubhede sichitha eyaphukileyo kunye nokufakela ifestile entsha, kodwa ihlawula iindleko zonke izinto, kuquka iglasi ngokwayo kunye imitywino yerabha. Ngoko ke, lo msebenzi uya kwenziwa ngakumbi ngendlela eyiyo, kwaye ubukhulu yeholo labo liya kuba phezulu kakhulu xa ubhatala imali. Ukongeza, inshorensi kunye nabameli SRT banomdla, ukuba indawo le element yeglasi yaveliswa xesha lifutshane kangangoko, ngoko ke ixesha ukukhanda ngaphantsi kakhulu ngaphezu ngentlawulo imbuyekezo ngemali ezandleni client. Musa ukulibala ukuba kwi RCS replacement ifestile ukuze igobhogobho sigqityiwe kuphela xa umnini wesithuthi ukujonga umgangatho womsebenzi owenziwa zaza zasayinwa uxwebhu olufanelekileyo.

Ukuba ukulungiswa sele wenziwe kakuhle, i Ingosstrakh replacement ifestile for Hull xa uwela phantsi didi amabango-inshorensi, ngoko inkampani linyanzelekile ukuba ecaleni ngokupheleleyo nayiphi na imiba abafunyenwe umnini-moto.

imbuyekezo Financial

Ukuba sele zigqityiwe ukutshintshwa iglasi ngokwabo kwaye ufuna ukufumana imbuyekezo yemali, kubalulekile ukwenza ulungiso phakathi kwexesha ekuvunyelwene kwesivumelwano, emva koko kuya kufuneka ukuba ubonise yeinshorensi amagcisa isithuthi, kufuneka silungise ubunyani yokuzalisa ukulungisa. Ukuba ezi zinto zombini azenzeki, i-SC angala ukuze kubuyekezelwe umonakalo ofunyenwe umqhubi xa kwakhona elivela isiganeko inshorensi.

Kuthekani ukuba insurer uyala ukuzalisekisa izibophelelo zayo?

Ukuba insurer ngenxa yaso nasiphi na isizathu, uyala ukuthobela nezibophelelo zawo phantsi isiganeko oKhuselwe ngeInshorensi kwenzeka, kufuneka wenze oku kulandelayo ukuze afumane intlawulo inshorensi:

• bangenele iimviwo technical yinkampani ezimeleyo, ekufuneka uxwebhu imfuneko yokukhupha i element glass;
• ingenise insurer enkundleni.

Ukuba cala azuzeke ngumnini-sithuthi, i-inshorensi iza kumhlawula nje kuphela umonakalo ofunyenwe ngumqhubi, kodwa ukuvala zonke iindleko kunye iimali zezomthetho.

Yintoni iglasi efakwe kwi isithuthi xa indawo yayo?

Ukwenziwa kwezilungiso ifestile ukuze igobhogobho iquka ufakelo into enjalo, esetyenziswa yi ngumvelisi. Avumelekile ufakelo analogu, kodwa kufuneka kuvunyelwane phakathi UK kunye umnini wesithuthi. Kodwa angaqondakali ukuba umqhubi kwesi sivumelwano ayikho, njengoko ikopi ayibizi, kodwa umgangatho kuba kubi kakhulu kunokuba kwiglasi yokuqala.

Ukongeza, le mveliso yeglasi efakwe kwi imoto, ukuze abe ezi zinto zilandelayo, apho akukho analogue:

• ukubonisa window, inqandwa yiyo ngqele fogging ebusika;
• elolonga lobunikazi;
• ukukhuselwa ilitha ukukhanya ukuze simfamekisa umqhubi kwaye kwehlisa umgangatho uhlolo;
• laminate coating olukhuselayo.

Ukongeza ukutshintshwa glasi, i-inshorensi kufuneka ahlawule iindleko zonke izinto, ezinikezelwa yi-mveliso. Ukuba ngaba indawo, ukulungiswa ngoko wenza uthathwa ayiphelelanga. Nakuba kunjalo, ukutshintshwa izinto zihamba mayicaciswe gca kule mvumelwano, kungenjalo intlawulo akwenziwa indawo kubo.

isiphelo

ifestile Ukutshintshwa for igobhogobho kufuneka zihlawulwe yi-inshorensi kuphela xa i-inshorensi iquka iingozi ubusela okanye umonakalo emotweni ngexesha ngozi apho imoto akusekho kunokwenzeka ukubuyisela. Oku kusebenza kwi Iindlela zokhuseleko lula, kodwa ke inani amabango inshorensi kule meko ulinganiselwe.

Ukuze siphephe iingxaki ezahlukeneyo kunye neemeko ezingentle xa isiganeko benefits oku, kufuneka ufundisise isivumelwano xa usenza nkqubo. ingqalelo ekhethekileyo kufuneka inikwe uluhlu imingcipheko ezihlawulelwayo inshorensi. Noko ke, njengokuba kusenziwa imiboniso, kwiimeko ezininzi, i-inshorensi abuyekeze ngokupheleleyo ukuba iindleko ukulungiswa okanye ukutshintshwa zonke izinto iglasi, ukuba bafumene umonakalo kakhulu kwaye ukuguqulwa.