Izimali, Umshwalense
Lapho kangcono ukuthathelwa umshuwalense imoto for CTP? Kunoma ikuphi imoto CTP hhayi ukuthathelwa umshuwalense?
Ukucinga inkampani yomshuwalense sokubhaliswa yesivumelwano MTPL ayimpoqo - ukukhetha obhekene. Ngakho-ke, zonke umshayeli esamangele kuphi ukuthathelwa umshuwalense imoto for CTP ukuze athole isinxephezelo uma ingozi.
Indlela ukukhetha inkampani yomshwalense
Njengamanje, emakethe zezezimali emelelwa eziningi izinkampani zomshuwalense ezinikeza ukukhipha inkontileka umshwalense. Lapho ukhetha umshwalense kudingeka ukuba banake indlela yokunquma elandelayo eziyisisekelo.
Izinto ezibhekwayo kudingeka sinake
- Ukuvelela nokuzinza zezimali. Ukuze wenze lokhu, wena umane kudingeka uhlole isilinganiso izinkampani umshwalense, bheka inhlokodolobha ogunyaziwe. Ungabona ukuthi mingaki iminyaka inkampani ibilokhu emakethe kwezinkonzo ezingokwezimali. Futhi, ukunaka ngokukhethekile kufanele kukhokhelwe inani nezinkokhelo kwesinxephezelo. Ukuze inkampani omuhle oqine, le nkomba kufanele kube 30 kuya ku-80 amaphesenti.
- Inethiwekhi igatsha. Abashayeli abahambayo njalo, kudingeka ukuba banake inani lamahhovisi kwezinye izifunda. Uma inkampani ekhona yonke indawo eRussia, singasho kugcwale ukudweba CTP ku imoto.
- Izibuyekezo kwamakhasimende. Kulokhu, akudingekile ukuba bakholwe Izibuyekezo kuwebhu, kuzomele uxhumane nomndeni nabangani abaye babhekana umshwalense design futhi kungaba anikeze iseluleko eziwusizo, lapho kangcono ukuthathelwa umshuwalense imoto for CTP.
- Intengo yesivumelwano. Ngokomthetho ku ayimpoqo motor TPL umshwalense inkontileka esungulwe iyunifomu amazinga ezisebenza kuzo zonke izinkampani zomshuwalense. Uma ummeleli wenkampani inikeza ukukudayisela Inqubomgomo ngentengo ehlisiwe, kuhle ukucabangela ngokwezinga ngokomthetho. Ezimweni eziningi, CTP ngesikhathi encishisiwe amanani sosuku olulodwa-noma nabakhwabanisi. Ngakho-ke, ukuthenga inkontileka kuyadingeka kuphela ehhovisi olubhalisiwe inkampani enkulu.
Indlela ukuthathelwa umshuwalense imoto
MTPL - imoto ayimpoqo umshwalense isithiyo. Ngokomthetho, njalo umshayeli kumele athenge inkontileka, kuphela ke ukuba zikhiphe imoto yakhe. Uma ubhalisa inkontileka yanele ukuba ubheke inkampani yomshuwalense neqoqo egcwele imibhalo.
Lapho kudingeka okwamanje ukuba passport, amadokhumenti ku emotweni, ilayisense yokushayela futhi ishadi zokuxilonga. OVikelwe ngaphansi inkontileka kungaba yisiphi isakhamuzi enamandla.
Ukuze sithole impendulo yalo mbuzo, kumelwe uhlole nentengo yizinkampani ezimbalwa bese ukhethe omunye enikeza akhiphe inkontileka at intengo ephansi izaphulelo esemthethweni, okuyinto lesibekiwe minyaka yonke ingozi-DRM. Ungakhohlwa ukuthi izinkampani zomshuwalense eziningi ucelwa ukuba unikeze umshini ukuze ihlolwe.
Lonke iqiniso eliphathelene umshwalense
Eminyakeni yamuva, abashayeli abaningi babhekana nenkinga yokuthi akunakwenzeka ukuthathelwa umshuwalense imoto for CTP. Kanjani ukuba nesimo esinjalo, uma travel ngemoto kuyadingeka, kodwa uthole isivumelwano esibophezelayo isiba nzima?
Ngokuvamile, abashayeli umane kuyabacasula, kodwa ukuthola CTP nge "umthwalo", ngoba bengafuni aphule umthetho bese usebenzisa umgwaqo ngaphandle inqubomgomo.
Kodwa kuthiwani uma ungafuni ukuthenga umshwalense owengeziwe? Impela wamane, ngomshuwalense alinalo ilungelo lokwenqaba, angakwazi kuphela ukunikeza ezimbili okukhethwa yokubhalisa:
- Thenga inqubomgomo ngokushesha, kodwa amanye amasevisi.
- Ukubhala isicelo, ulinde izinsuku ezingu-30 futhi ahlinzeke imoto njengoba injalo emsulwa sokuhlolwa.
Yikuphi ukukhetha, pholisi ngamunye unquma ngokuzimela. Izinkampani zomshuwalense ancike yokuthi ezikhathini eziningi inqubomgomo bawadinga ngokuphuthumayo, ukuze amakhasimende ngeke kudingeke balinde.
lapho ukuthathelwa umshuwalense
-Required umshwalense CTP inkontileka, okuyinto kumele ithengwe zonke umnikazi wemoto. Kulokhu, ukukhethwa inkampani kumele wasondela ngendlela efanele. Akubalulekile ukusebenzisa izinkampani ezincane ukuba, kungcono ukuba banake enkulu, okuyinto iminyaka wazibonakalisa kungapheli kwato.
Lapho ekhetha inkampani kumele kucatshangwe, hhayi lapho ushibhile ukuthathelwa umshuwalense a CTP imoto, futhi kanjani ukuthenga Ukuvikelwa umshwalense ngokuphepha.
Usezingeni the best zomshuwalense ngo-2015
Indawo kusilinganiso | Isihloko Insurance Company |
1 | Rosgosstrakh |
2 | SOGAZ |
3 | Ingosstrakh |
4 | RESO-Garantia |
5 | AlphaStrakhovanie |
6 | VSK |
7 | VTB Umshwalense |
8 | sivumelwano |
9 | Alliance (ROSNO) |
10 | Renaissance |
Kuphela emva isilinganiso ufundwa, kungenzeka ukuba ukhethe, lapho izinkampani zomshuwalense bahlelekela inkontileka.
Nemikhonyovu e-World Wide Web
abashayeli abaningi, abafisa kahle ukulondoloza, ukusebenzisa izinqubomgomo CTP kuphocelela Inthanethi, lapho kwenzelwa khona iningi isithembiso ukuthengisa ifomu MTPL ngentengo ishibhile. Kulesi okuthiwa abameleli izinkampani zomshuwalense ukunikela hhayi kuphela inqubomgomo zamanani aphansi, kodwa futhi kwamahhala kunoma indawo kanye nesikhathi.
Ngakho-ke, uma nifuna mina, lapho kangcono ukuthathelwa umshuwalense imoto for CTP, akudingekile ukuba bakholwe amanani ezikhangayo kanye nokuhlinzekwa kwezidingo ezikhangayo. Kufanele uhlole ngokucophelela ifomu kanye nenkampani yakho ngaphambi ayithenge.
Umehluko ifomu zamanga zaleli zwe lamanje
Ngokuthenga inkontileka, kufanele sinake amaphuzu letibalulekile letilandzelako:
- Into yokuqala kufanele sinake - ephepheni. Inqubomgomo yokuqala okumelwe wenziwe phakathi nesikhathi kanye kancane olunzima. Inkohliso libhalwe evamile iphepha A4.
- Leli fomu abaphundlwe izimpawu amanzi RSA logo. Uma ubheka ifomu ukukhanya, ungabona PCA yombhalo oqoshiwe.
- Avikelayo strip metal ohlangothini reverse of the inqubomgomo, okuyinto ithungwe efomini.
- Usayizi inqubomgomo. Inkohliso has A4, kancane isikhathi eside kunaleso original.
- inombolo ifomu ekhoneni eliphezulu kwesokudla. Ngo owaqalwa kuba ayizindunduma uma uyithinta.
- Njengoba ihlelo, amafomu yokuqala Imicu yotshani yayo obomvu kanye green. Red kungabonwa ngokumelene ukukhanya ohlangothini reverse ifomu ngaphandle nobunzima. villi Green kungabonwa kuphela ngokusebenzisa ultraviolet.
Hlola ilayisensi inkampani yomshuwalense sika
Hlola ukutholakala ilayisensi kungaba ngokushesha ngokusebenzisa umakhalekhukhwini lapho wenza isivumelwano yomshuwalense.
Ukwenza inqubomgomo
Ngakho, uma ungazi kuphi ukuthathelwa umshuwalense imoto for CTP, kumelwe uhlole ngokucophelela isilinganiso izinkampani umshwalense, khetha ezinkulu futhi uzinzile. Lapho enza isivumelwano kuyadingeka ukuhlola ilayisensi inkampani futhi ifomu ubuqiniso. Manje ngoba sewuyazi ukuthi ungazithola kanjani futhi kuphi ukuthathelwa umshuwalense imoto for CTP.
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