Umshwalense izindleko - Izindleko zalesi premium umshwalense ...

Umqondo umshwalense izindleko isetshenziswa ukulawula ubudlelwano obusemthethweni phakathi ngokuqinile-umshwalense kanye oVikelwe, umuntu noma inhlangano.

Icacisa izindleko zomshuwalense

Inani umshwalense - value ukuthi inquma usayizi izinkokhelo Imali kanye izindleko isamba inqubomgomo. Loku ngiko langempela isakhiwo ukuthi isetshenziselwa umshwalense yayo. Ukuze ukwazi ukubona ngeso elibanzi sibalo, asesebenzisa ukuhlolwa umshwalense. Izinhloso kokuhlaziywa kungaba:

• izinto ngazinye kwempahla.
• Vehicle.
• Ezezindlu.
• Land.

Umphumela kokuhlaziywa kuvezwa inkontileka umshwalense kwesivumelwano mutual futhi ayikwazi inselelo amaqembu, ngaphandle amacala isingeniso ngenhloso wokudukisa yenkampani - wesevisi iklayenti. Ekukhombeni amaqiniso zokuboshelwa ukubaluleka kwesamba maqondana oVikelwe bangase babekwe icala.

izindleko Umshuwalense kanye nenani umshwalense izinkokhelo ayikwazi ukuba ngaphezulu kuka intengo langempela into oVikelwe.

Izindlela zokuhlola izindleko zomshuwalense

Ukuze ubone ukuthi izindleko esiqondile zomshuwalense yakhetha izindlela ezilandelayo kokuhlaziywa:

• It is kunqunywa inani langempela into ngesikhathi yokufuna yayo. Ukuze wenze lokhu, lo umshwalense ubophekile ukuba balethe ubufakazi bokukhokha: amasheke, amarisidi, inkontileka sokuthengisa, uhla lwamanani elidayisa yezimpahla amazwe, amasiko isimemezelo.
• Nquma ukubaluleka izimpahla kungathi ikhathalogi umenzi kanye inkomba izincwadi amaphephabhuku.
• Ekuhloleni impahla ihlaziya ayisilinganiso emakethe izakhiwo efanayo kulesi sifunda.
• Ukuze ukuhlola ukubaluleka into kungenzeka ukubandakanywa uchwepheshe othile ozimele.

Isiphetho yesivumelwano umshwalense

Ngemva sokunquma ukubaluleka into umshuwalense inkontileka, eyohlanganisa:

• Inani oVikelwe komhiaba.
• Lokho okwakudingeka ukuze kukhokhwe umshwalense.
• Inani inqubo yokukhokha eminikelo, ubungako bawo.
• Isikhathi yesivumelwano.
• Inani izinkokhelo uma umcimbi insured.

Inkontileka umshwalense oyakungena force ngosuku ngemva kokuba inkokhelo umshwalense premium, uma inkokhelo senziwa ngokheshi. Lapho non-cash inkokhelo oyakungena force ngemva ukuthi imali sokungena kwi-akhawunti lenkampani-umshwalense.

umshwalense

Izindleko umshwalense luyehluka kuye ngokuthi into umshwalense, zamanje umshwalense amazinga, ezikhethiwe Uhlelo ingozi Ukusabalala, isikhathi isenzo inqubomgomo, ematfuba okuvela kuyo umcimbi insured.

On izinhlelo ayimpoqo umshwalense yesenzo isiqondiso ngokuzitholela imithetho ekhethekile sikahulumeni. Ngokwesibonelo, nohulumeni umisela amanani for umshwalense impesheni ayimpoqo, izinhlelo CTP.

Ukuze inkampani yomshuwalense yokuzithandela, ngomshuwalense inelungelo izakhe nokulawula amazinga umshwalense, kanye nenkundla umshuwalense.

Kumelwe ucabangele izindleko onyakeni umshwalense, ie Kubiza izinqubomgomo yomshuwalense yokuzithandela izinyanga ezingu-12. Isiphetho izinkontileka esikhathini esifushane kuyoba ezibizayo, nge ubuqiniso esiyizinyanga eziyi-12 ngeke ukwazi ukulondoloza.

umshwalense impesheni

Isekhona umshwalense impesheni. Inani umshwalense konyaka ubhekwa ukuqoqwa zonke izinkokhelo yesikhwama sempesheni, okuyinto unyaka wonke uyokwenza umqashi ngokuba isisebenzi.

Lapho inkontileka kubalulekile ukuba banake imikhawulo ebekiwe umbhalo:

• Inani izinkokhelo kwesikhathi umshwalense.
• Uhlu izimo, okuhlukile ukukhokhelwa ngeke wenziwe ngaphansi kwazo.
• Ukwephulwa kuyo umshwalense, okungase kuholele uyaphika inkonzo futhi ukuqedwa kwenkontileka.

Inani yomshuwalense imoto

izivumelwano zomshuwalense auto okuvame kakhulu. Inani nomshwalense wemoto - yenani, okuyinto ibalwe ngokwendlela izinkomba ezilandelayo:

• Yenza futhi unyaka womshini imoto.
• Izindleko zokuqala.
• Inani run.
• isimo Technical.

Umnikazi wemoto ekuphetheni isivumelwano ukuze sihlinzeke izinhlelo kufanele uhlinzeke technical data sheet umshini, isitifiketi ezidlulayo wokuhlola, tinchubomgomo izinkathi odlule. Ukuze ukuhlola isimo kudzinga kuhlolwa yinkampani onguchwepheshe umshwalense. Izimoto abaneminyaka engama eziyishumi yomshuwalense awekho ngaphansi.

Yini kuthinta intengo yomshuwalense imoto?

Ekunqumeni izindleko inqubomgomo umshwalense motor kanye nenani Ukusabalala esetshenziswa izinga isizinda kanye izici ezengeziwe ziyabhekelelwa:

• Yobudala umshayeli futhi yakhe nakho ukushayela.
• Regional isikolo ngamanye ngxenye yezwe futhi ngamunye kuncike imvamisa yengozi ngaphakathi indawo. Ephakeme ezindaweni ezisemadolobheni amakhulu, aphansi ezindaweni zasemakhaya, nge kwenani design Inqubomgomo izobiza ngaphezulu.
• isici seasonality.
• Izinga ibhonasi ibalwa uma umnikazi imoto kuthatha umshwalense enkampanini eyodwa isikhathi eside. uzobe Ngezinye njalo inkampani eyodwa kuya kwenye ibalwa malus Coefficient kanye nenqubomgomo izindleko uzovuka.
• Factor ezingozi ngenxa umshayeli: uma esikhathini umshwalense langaphambilini, umshayeli hit isimo esiphuthumayo ngokusebenzisa amaphutha abo siqu, ukubhaliswa izobiza ngaphezulu.
• motor amandla isici ibalwa ngenani amahhashi, bhalisiwe e idokhumenti emoto.
• Linganisa isici luyehluka kuye ukuthi bangaki abantu ukushayela le moto.

Lapho senza inqubomgomo CASCO ngaphezu kwalokho kunakwe, kungakhathaliseki ukuthuthwa Isiqinisekiso esitolo umthengisi noma sewaranti siphelile, intengo ukulungiswa kanye izingxenye ezisele. Kumele kukhunjulwe ukuthi izinkampani eziningi acabangele lapho wenza sikebhe lapho anti-theft alarm efakwe emotweni, futhi intengo nsiza kuzodlondlobalisa iyashiyana degree of ukuthembeka eziyinkimbinkimbi imishini anti-theft.

Lokho okwakudingeka ukuze kukhokhwe premium umshwalense

Inani ukuthi ikhasimende aholele ngomshuwalense ukukhokhela amasevisi umshwalense, okuthiwa i-premium. Ngokusho umshwalense umnikelo value - value, ebalwa esekelwe izindleko inqubomgomo, futhi kungenziwa ukhokhelwe njengesamba semali futhi nyangazonke ngesikhathi yomshuwalense. Ungakhokha umshwalense premium imali kanye EFT.

Uma inkokhelo yanyanga zonke ye-premium umshwalense ibalwa ubukhulu wemali yayo ingamaphesenti:

• Izinga Net kunqunywa ematfuba umcimbi insured.
• Izinga Gross kufaka isici ukulungiswa, kanye umthwalo, okusho nezindleko ngomshuwalense sika incurred ngokusemthethweni ekuhlinzekeni insizakalo, izindleko ezingalindelekile ayihlobene ne ukwakheka Isikhwama umshwalense.

Izinga Net Ukwakheka yesikhwama umshwalense kuyiphi umcimbi kwesamba kuyoba ukukhokhwa kwesamba.

ukukhokhelwa umshwalense

Inkokhelo yenani umshwalense - inani lemali ikhokhelwa umuntu kwesamba uma umcimbi insured. Njengomthetho, kuba kumaphesenti athile ukubaluleka oVikelwe komhiaba. Figure incike izindleko inqubomgomo, uhlelo Ukusabalala kanye tariff amazinga nezingozi umshwalense, ebekiwe inkontileka. Osayizi yokukhokha umshwalense iyashiyana ubukhulu umonakalo owenziwe impahla, ikhumbula ukwehla kwentengo bafake. Inqubo kanye nenani izinkokhelo elicacisiwe inkontileka. Ngenjongo nokukhokhwa kwesamba ubophekile ukuba balethe imibhalo okuyinto umcimbi insured.

I umshwalense ubophekile ukuba wamukele imibhalo ukuze acutshungulwe naphezu kokuphela kwezinsuku ikhalenda 30 ukwenza isinqumo Yokuqashwa ukukhokhelwa.

Okuqinile-umshwalense unelungelo lokuba enqabe yokukhokha kulezi zimo ezilandelayo:

• Uma umcimbi insured iphutha ngenxa yezenzo emthethweni lomuntu kwesamba.
• Pholisi akanikezanga amaphepha adingekayo mayelana naleli cala umshwalense phakathi komkhawulo nangesikhathi esibekwe inkontileka.
• Pholisi ngenhloso yabangela umonakalo impahla ukuze bathole inkokhelo.
• izinkokhelo Umshwalense ayihlelwa, uma impahla oVikelwe uyokhokhiswa kokuquleka noma ukudliwa by iziphathimandla abanekhono.

Uma okudalwa kudinga ukususwa ngokushesha, ngomshuwalense unelungelo isicelo pre-paid phambi esikhathini asemthethweni. Oku-ukukhokhelwa inkampani yomshuwalense wangena ikhadi muntu iklayenti. Uma ngemva kwenkathi luhlolo kubonakala sengathi umonakalo lungekho ngaphansi isinxephezelo, ngomshuwalense ubophekile ukuba ubuyisele inkokhelo ikhokhwe ngaphambili.