Ubungozi umshwalense CASCO: izimo, izingozi noma yini engathathwa yomshuwalense auto

Ekunqumeni ngesidingo ukuthathelwa umshuwalense imoto yakho (ngokusuka kuzo noma ngaphansi ukucindezela izici zangaphandle), umuntu uqala ufuna inkampani yomshuwalense efanelekayo. Neqiniso ikhasimende ngokuvamile kuqala ubukeka ngamazinga ngomshuwalense, futhi kuphela ke kuqhakambisa nezinye imigomo yenkontileka (ngisho-ke ngaso sonke isikhathi). Kodwa izinga ngeke kakhulu zincike esimweni izinto yomshuwalense auto insured ngaphansi kwazo.

Naphezu kweqiniso lokuthi Hull - imoto yokuzithandela motor umshwalense yekhasimende, ngaphandle-ke ngeke akwenze lutho yenkokhelo yekhadi. Ngakho kwabaningi imoto abanikazi, kule nkontileka iba yokuzithandela-ayimpoqo. Ukuze uthole kabanzi nge izimo futhi ngempumelelo ukukhetha umshwalense, kubalulekile ukuba siqale ukuqondisisa lokho kuhlukile Hull CTP. Umahluko omkhulu phakathi kwalezi ezimbili izinhlobo umshwalense - izindawo yomshuwalense auto. Esimweni sokuqala kuzoba umuntu wesithathu (ie ukwesaba ukuphila nempilo yabanye abantu abasebenzisa imigwaqo, kanye nempahla yabo, kuhlanganise izimoto), ngaleso sikhathi okwakunguye yedwa umshwalense esibanzi into umshuwalense imoto kwayona.

Ngokukhetha izimo inkontileka utawubhalwa CASCO ngaphansi kwazo, iklayenti kumele bakuqonde ukuthi yokugibela aphansi kakhulu inkontileka ngokuqinisekile ephelezelwa ezikhokhiswayo okusezingeni eliphezulu, noma baxoshwe uhlu ezinye izingozi. Bobabili isikhathi kubaluleke kakhulu futhi kungenzeka esikhathini esizayo kuthinte lokho kuyoba imali yakho uma wathola phezu okuvela isenzakalo esithile.

Franchise (ie lemali emalini imbuyiselo lapho inkokhelo) kungenziwa esishiwo njengoba amaphesenti izindleko izimoto, futhi ruble. Uma umshwalense imoto kufaka ezikhokhiswayo okusezingeni eliphezulu ke isinxephezelo kwenza kuphela umuzwa uma umonakalo. izivumelwano ezinjalo ngokuvamile siqalise ukuboleka imali yokuthenga imoto, ukwehlisa izindleko izinga ezikhokhiswayo lapho umshwalense iklayenti, empeleni, adingwa cha, futhi ebona kuphela njengoba izindleko ezengeziwe.

Phakathi izingozi zazo kwesamba letigcogcwe ngaphambilini umshuwalense auto, isimo simi ngale ndlela: uma imalimboleko imoto ke bakhetha ebhange kanye iklayenti ayikwazi siqambe noma yiziphi izinto, ukuze kuncishiswe premium umshwalense. Uma umshwalense awahlobene loan, ikhasimende ekhetha ukuthi afake inkontileka nento engabalulekile. Endabeni izinto umshwalense motor oVikelwe lazo zonke izingozi CASCO isivumelwano sisebenza ingozi (kokubili ngenxa umshayeli, futhi ngaphandle kwalo), izenzo ezingekho emthethweni sabanye abantu (nokuntshontsha), izinhlekelele zemvelo, nezinto eziwayo, izihlahla, umlilo noma amandla omlilo nokuguqulwa.

Ukuze kuncishiswe izindleko umshwalense, ikhasimende ungakwazi senqabe izinto okuyinto, ngokombono wakhe, akunakwenzeka. Njengomthetho, lesi sivumelwano ngakususi izinhlekelele zemvelo futhi umlilo, kusale kuphela ingozi nokweba. Lapho isilinganiso ezingeni Franchise e 2-4% we isamba oVikelwe umshwalense kungenzeka ushibhile izikhathi 2. Izinhloso yomshuwalense auto ngesikhathi esifanayo kungaba izimoto kokubili ngabanye ezizimele kanye namabhizinisi. izinkampani zomshuwalense Abaningi babekela engu esiphezulu imoto, okungase oVikelwe ngenxa sikebhe, okwandisa tariff ezimotweni emidala kuno 8, 9 noma 10 iminyaka, 1.5 noma 2 izikhathi, noma ngisho Ukuyeka umshwalense izimoto ezinjalo.

Lapho ekhetha inkampani yomshuwalense, lapho uzobe izinkontileka Hull, kanye kokucabangela izimo ezahlukene yesivumelwano, kufanele sinake ngokucophelela kule nqubo, ukuze, uma kudingekile, lula futhi awahluphi ukuze uthole imali.