Ukuqhuba ngaphandle inshorensi - oko kuthetha ntoni?

amaxwebhu afunekayo ukuze nayiphi na umqhubi - mvume zokuqhuba, isatifiketi sobhaliso ne-inshorensi. Xa engekho ubuncinane omnye wabo, yena akanalo ilungelo ukulawula imoto. Namhlanje siza kukhe sithethe ngayo i-inshorensi, malunga nemithetho yokuxhoba zawo, yintoni esongela ukuqhuba ngaphandle inshorensi.

Auto Insurance - Olu hlobo ukhuseleko inshorensi, eyenzelwe ukuba akhusele imicimbi yezemali umnini imoto xa umonakalo, ubusela okanye ingozi ebandakanya imoto yakhe. Okwangoku, kukho ezimbini iintlobo ze-inshorensi imoto: esisinyanzelo (CTP) kunye inshorensi ngokuzithandela (CASCO).

Ukusuka isihloko kucacile ukuba CTP (imela "esisinyanzelo inshorensi liability motor") - inkqubo mandatory, imiqathango kubaviwa yokubhalwa kwaye uluhlu lweerhafu ngumthetho. Hull kwakhona inkonzo enikezelwa iinkampani ze-inshorensi, ngoko, iimeko kunye namazinga njengoba bizela ngabo.

Ukuba kwabangela le ngozi, CTP kubuyisela umonakalo kwisithuthi ixhoba. Ukuba, kule meko, unyanisile, ngoko ke kufuneka bafune intlawulo evela kwinkampani yeinshorensi ukulungisa ngumtyholwa. Ukuba usebenzisa iinkonzo Hull, i-inshorensi inkampani unyanzelekile ukuba ahlawule iindleko kuwo nawuphi na umcimbi. Kukho omnye umahluko phakathi kwezi nkqubo zimbini: CTP kuyikhusela kuphela kwimeko yengozi, kunye Hull - kwimeko yengozi, umonakalo, ukubiwa okanye breakage. Yintoni ukuba akhethe, kuxhomekeke kwisigqibo sakho.

Ukuqhuba ngaphandle inshorensi motor enyanzelekileyo inshorensi TPL, njengoko kutshiwo apha ngasentla, na azamkeleki, kuyo nayiphi na imeko, iwise isohlwayo phezu kwakho, nokuba ulibele ukuba bahlaziye umgaqo-nkqubo okanye washiya nje ekhaya.

Cinga ngemeko lwesibini ifomu inshorensi ekhaya ukulibala, kwaye okunene wena ibingekazaliseki, naza nangena kuyo. Kulo mzekelo, i-thumbnail CEAAE inika isilumkiso okanye isohlwayo. Ukuqhuba ngaphandle inshorensi iya malini kule meko engange-100.

Ukuba umqhubi obanjiweyo ngoxa uqhuba kwithuba CTP akasinikanga, uya kuhlawuliswa engange 300 okanye ukuvala ukusebenza ngakumbi ukuphelisa unobangela. Phantsi oku kudla kuwa begadi, eqinisekisa isithuthi sakho ixesha ehlotyeni.

yaye ngokufuthi ukuba ngokukhawuleza kufuneka uhlale emva ivili lomqhubi, hayi abhalwe kule fomu. Ukuqhuba ngaphandle inshorensi kule Icala zizakuxabisa engange-300, kunye TC abavalelweyo de-sithuthi.

Ukuqhuba ngaphandle inshorensi, isohlwayo nto leyo eliphezulu - lihamba kunye engahlawulwanga inshorensi motor TPL ezinyanzelekileyo. I sohlwayo kummandla ka 500-800 engange, ukongeza, umhloli endlela uya kuthintela ukusebenza ngakumbi kwesithuthi. Isohlwayo efanayo kuya kufuneka ukuba uhlawule ngenxa yokungabikho komgaqo-nkqubo, ngamanye amaxesha oku kuyenzeka, umzekelo, xa umqhubi isigqibo xa uthenga imoto akuthethi-inshorensi kuyo.

Khumbula ukuba Akubizi kakhulu kwaye zithembeke ngakumbi kangakanani ukuthenga umgaqo- CTP okanye CASCO, kwaye nkqu ngenxa yokuqhuba ngaphandle inshorensi inxulunyaniswa ungquzulwano rhoqo kunye nabahloli DPS. Akukho namnye oya kujongana kwenzeka ntoni kuwe ngomso endleleni. Ngcono kunye noxolo lwengqondo ukuhlala ngasemva ivili le imoto, esazi ukuba musa ukuba bazisole ilahleko enkulu yemali xa ubusela okanye ingozi.