Yintoni inshorensi ezibanzi yaye kutheni uyidinga

Yintoni inshorensi ebanzi? Kubonakala ukuba imiqathango MTPL kunye Casco iqhelekile phantse bonke abaqhubi beemoto, kodwa wonke umntu okuqonda kakuhle ukuba zikhangeleka njani. Yintoni igobhogobho kunye CTP, nokuba zibandakanya, Kakade, ungabuza inkampani yakho ye-inshorensi, hlulayo ukucacisa yonke into, kodwa kukho iimviwo oluneenkcukacha lo mba kunokwenzeka, ngaphandle kokubhenela bezifo.

CTP (inshorensi elisisinyanzelo motor liability wesithathu) - uhlobo lwe inshorensi ezinyanzelekileyo, nto leyo ngokungaphelelanga okanye ngokupheleleyo sikhusela umqhubi umonakalo kwezinye nxaxheba ingozi ukuba kwenzeka ngalo ityala lakhe. CTP umgaqo-inshorensi kuluhlu lwe yokufayilisha inyanzelekile ukuba amaxwebhu asemthethweni, ngoko ke kunokwenzeka ukuba ngaphandle kwalo. Ngaphandle kolu xwebhu nokuba kufikelelwa ukusuka esaluni egaraji, ngoko ke kungcono ukuba likhuphe le nkqubo ngoko nangoko xa uthenga imoto.

Nceda uqaphele ukuba i-inshorensi ukuhlawula isixa-nxaxheba elimsulwa kule ngozi, kodwa hayi zonke, imida yoxanduva olusemagxeni azo. Ubuninzi Imali ye-inshorensi coverage iboniswe kwifomu nkqubo. Phantsi komthetho ngoku, oku kufana 120 lamawaka engange, kwimeko umonakalo kwipropati nexhoba, kwaye 160 lamawaka, ukuba umonakalo kwipropati kwabangelwa ngabantu abambalwa. Le ubuninzi ehlawulwa ukuba ixhoba ngalinye, ezempilo kwaye yayonakaliswe ubomi. Ngoku Kucacile ukuba le CTP.

Nezigcina - naye hlobo inshorensi, nosebenza kuzo zonke izithuthi, kuquka iimoto. Kwimeko elithi "igobhogobho" lidla ngokusetyenziswa nabo. Ngoko ke, yintoni na inshorensi ebanzi? Musa ukucinga ukuba olu hlobo lwe-inshorensi iza kukhusela isithuthi kuyo nayiphi na yamashwa - ukuba akunjalo, ke, iingozi ezininzi ziya kudluliselwa emagxeni yeinshorensi.

Casco lugqityiwe okanye engaphelelanga. Kwakhona, inshorensi ezisetyenziswa franchise extenders iindleko-nkqubo, kodwa efihla engozini ngenxa inshorensi, nto leyo eza kuxoxwa ngezantsi.

Yintoni i-inshorensi epheleleyo kunye noluphakathi ebanzi? Zahlukene njani?

inkqubo epheleleyo kuquka ubungozi inshorensi ezifana ubusela, ingozi, ebangela umonakalo isithuthi, ubusela kwezinye iinxalenye zayo, iintlekele zemvelo, izinto eziwayo phezu imoto, ngokunjalo nezinye iintlobo neengozi. inshorensi igobhogobho Partial ithetha kuphela ezinye ubungozi, umzekelo, imigaqo-nkqubo emininzi musa ziquka ubusela okanye umonakalo isithuthi njengoko odalwe ziintlekele zendalo kunye nemozulu, ngoko kufuneka ufunde imigaqo-inshorensi kunye nemiqathango ngenyameko kakhulu.

Franchise - kwenye indawo kufuneka ukuba kuqatshelwe kwisivumelwano. Iluphawu isixa esithile, kwaye ukuba umonakalo emotweni, kuqikelelwa ukuba ezixabisa ngaphantsi kwe-franchise,-inshorensi byi ngokwayo. Esi sixa ingamiselwa okanye ibe mali umlinganiselo.

Kukho 2 iintlobo franchise: enemiqathango kunye kwemibandela. Xa inshorensi yesiqhelo ukubuyisela ngokupheleleyo umonakalo kunene kuqikelelwa ukuba franchise, yaye elililo - kuphela umahluko phakathi elingana lemali umonakalo kunye hlobo. Oko kukuthi, ukuba umonakalo uthelekelelwa 1000 engange, kunye nalo ilungelo enemiqathango ngu 700, inkampani yeinshorensi ihlawula 300 kuphela, yaye ukuba nalo ilungelo kuya kuba olungenamiqathango, umnini-sithuthi ukuba kufuneka bathwale iindleko nakanye,-inshorensi iza uhlawule ngokupheleleyo 1000.

Ngoko ke, kwacaca ukuba igobhogobho enjalo. Noko ke, imiqathango yale hlobo inshorensi kwiinkampani ezahlukeneyo ingahluka kakhulu, kangangokuba malunga naziphi na mathuba impenduka kufuneka abuze imibuzo le arhente.