Uphi futhi ungayifaka kanjani imoto ngaphandle komshuwalense owengeziwe?

Ukuthenga imoto, asiwazi njalo cabanga izindleko ezengeziwe esikhathini esizayo. Uma ubekela eceleni imali ku Tuning ahlukahlukene, amathayi ebusika futhi zonke izinhlobo "amagajethi" ezifana esihlalweni ihlanganisa lesikhumba izinyamazane ezincane, elikhulu kakhulu imoto umshwalense. Kodwa kanjani futhi kuphi ukuthathelwa umshuwalense imoto? Izibuyekezo izinkampani anikeza izinkonzo ezifanayo, kuthiwa okuhlukahlukene kangaka ukuthi ukwenza ukukhetha okufanele akulula ngaso sonke isikhathi. Ebhekisela IC ahlukahlukene, amakhasimende amaningi babhekana yokuthi, ngaphezu langempela umshuwalense auto, bona abeke amasevisi ezikhokhelwayo. Sikhuluma yomshwalense, wezimpahla nokunye. Kubalulekile, kodwa ngokuvamile akudingeki-ke okwamanje, akunjalo? Futhi nje, uma kukhona isifiso esinjalo, iklayenti ungacela abasebenzi sabo. Kodwa kungcono isosha esihlatshelelwayo. Ngakho, indlela ukuthathelwa umshuwalense imoto ngaphandle umshwalense eyengeziwe futhi yini okudingeka uyenze?

izinhlobo izinqubomgomo

Ngokuvamile, inkontileka umshuwalense imoto ngokushesha emva ukuthengwa auto futhi isikhathi eside njalo ngonyaka. Wenza okuhlukile kungenzeka isimo, lapho ngineminyaka engu-imoto uthenge idlula iminyaka 10-12: Ezimweni ezinjalo, ezinye izinkampani bayakwazi ngesevisi. Njengamanje, ethandwa kakhulu izinhlobo ezimbili izinqubomgomo:

• Hull - ukuze ukuthathelwa umshuwalense umshini (a) kungenzeka kokubili ngokumelene ukweba, futhi kunoma iyiphi umonakalo;
• CTP - kusho ukulahlekelwa umnikazi imishini alien abathintekayo wubudedengu yakho;

Omunye caveat ezibalulekile :, esimweni ingozi kufanele ukhethe lapho ucela nokubuyiselwa ukulahlekelwa kuzona kunjalo umshwalense ukuthola inkokhelo evela izinqubomgomo ezimbili abakwazi, ngakho-ke uma kokubili MTPL futhi CASCO.

Ngokuthenga eyodwa noma nezinye nomshuwalense, umnikazi imoto yokuqala zonke ufuna ezimvunayo kakhulu, futhi intengo service kuleli cala linendima ebalulekile. Ngakho-ke, ngaphambi kokuba asayine isivumelwano, kufanele ubuyekeze ngokucophelela zonke umehluko wemisindo nemiqondo yamagama yayo.

Ngokwazi yomshwalense kuyadingeka

Kokusayina inkontileka, abanikazi imoto abaningi babhekana yokuthi ngaphezu izidingonqangi abayinikela ukukhipha inqubomgomo izingozi ezengeziwe, isibonelo, ukuthathelwa umshuwalense ukuphila umshayeli. izinkokhelo ezinjalo abantu kabi ukubiza "dopami". Ngezinye izikhathi ukwehluleka ukusebenzisa la masevisi kubandakanya ukungabi nakwenzeka kwento yokubhalisa kwenqubomgomo noma ukubambezeleka okuphawulekayo isikhathi irisidi yayo. Kungenzeka yini ukuba ukuthathelwa umshuwalense imoto ngaphandle umshuwalense wokuphila? It kuvela ukuthi ungakwazi, Nokho, ngezinye izikhathi inqubo kungase kuthathe isikhathi esithile. Ngakho uma ukuthathelwa umshuwalense imoto ngaphandle umshuwalense wokuphila e izinkampani "bomdabu ngokuthi" izibi nokucubungula isikhathi siyaphela - kulula ukubheka ezinye amafemu nokunikeza izinsizakalo ezifanayo. Godu kuthiwani nengabe UK akafuni ukushintsha?

Okufanele ukwenze uma kunqatshelwe

Ngesisekelo umthetho isiRashiya, ungenalo ukukhokhela izinketho ezengeziwe. Ngakho uma, isibonelo, "Rosgosstrakh" ukuze ukuthathelwa umshuwalense imoto ngaphandle "izigaba ezikhethekile" enqaba futhi ushintsho lensizakalo yeqembu Inqubomgomo awunaso isikhathi noma isifiso, ungazama ukuthonya izinkampani zomshuwalense ngumthetho. Njengomthetho, abantu nokwenza ukuthi umshwalense, awunaki kuya ngokweqile, kodwa uma umbuzo isimiso ngawe, ingxoxo elula abasebenzi yi inkampani ayikufezi - ukuya enkantolo noma iKomiti Anti-monopoly.

Ukuze uwine icala ngokuqinisekile, sinalo ukufakazela ukuthi abaphathi bephoqeleka ukuba akhokhe inkonzo eyengeziwe lapho awudingi. Ngenxa yalesi ilingane kuchithwa elilotshiwe, elinezibonelo bubalwa imbangela ukungakwazi asayine isivumelwano ngaphandle umshuwalense wokuphila. Uma iphepha ezifana ukukunika lokhu ukwenqaba, yokuthi ukwehluleka zingaqoshwa on ifoni noma izwi rekhoda - kungasiza ukufakazela icala lakho. Cishe, ngeke uwine enkantolo, futhi bonke ngokweqile izobuyiselwa, kodwa izinzwa kufanele donsa kuhle.

Ngaphezu kwalokho, kukhona kungenzeka ukuthi izinkampani zomshuwalense ngicasukile uyonika ulwazi olumayelana nawe njengoba iklayenti budedengu abangane babo, futhi ukukhipha inqubomgomo esikhathini esizayo kuyoba yinkinga. Uma kwenzekile lokhu kuwe - ngokushesha wakhononda ehhovisi antimonopoly, ihhovisi lomshushisi futhi enkantolo. Beat zonke izinsimbi, iqiniso kuyinto ngohlangothi lwakho, ngoba ukuthathelwa umshuwalense imoto ngaphandle umshuwalense eyengeziwe edingekayo ukuze Iphrofayili inkampani, futhi akukho emthethweni nokumphoqelela ukuba sikukhokhela lokho awudingi.

Enye indlela

Uma bonakalise izinzwa ukuchitha isikhathi on imithetho ungafuni, ungazama ukukwenza ngaphandle owayephethe elala inhlangano, ukukhonza inqubomgomo. Nansi enye, kancane indlela "olunegazi" ukuze ukuthathelwa umshuwalense imoto ngaphandle umshwalense ezengeziwe. imfundo Small:

1. Iya website ye inkampani ekhethiwe futhi uthole khona ulwazi amazinga eyisisekelo amazinga umshwalense nemininingwane yokukhokha.
2. Ukusebenzisa imiyalelo ye-Central Bank of the Russian Federation, ngokuzimela ibalwa inani premium umshwalense. Yenza kube lula kumawebhusayithi abafanele kulokhu kukhona inala imiyalelo nezibonelo.
3. Ukukhokhela izinsiza, kodwa ukuze ube ezandleni zakho nesheke noma irisidi eveza injongo yokukhokha, lapho une ukubhala "Ukukhokhwa umshuwalense, umshwalense CTP, imoto" ... ", isimo inombolo XXXX."
4. Susa amakhophi amadokhumende alandelayo: iphasipoti, isihloko noma isitifiketi sokubhaliswa imoto, ilayisense yokushayela zonke, ovumile ukuthi ukuphathwa lokhu imoto, ikhadi zokuxilonga noma isitifiketi wokuhlola lobuchwepheshe, isheke sokukhokha premium umshwalense.
5. Gcwalisa isicelo wenza isivumelwano yomshuwalense (ifomu ingatholakala kwi "Bank of Russia" indawo).
6. Made in impinda cover incwadi, okuyinto sinquma ireferensi imithetho elandelayo: Inombolo Law 40, ed. kusukela 11/04/14; izigaba 1.4-1.6 "weMithethonqubo imithetho abanikazi izimoto ayimpoqo umshwalense izikweletu zemali" inombolo 431-P, evunyiwe "Bank of Russia."
7. Ukumboza incwadi nibeka Kulolu hlu olungenhla kwemibhalo kanye amakhophi abo.
8. Ngokwami siletha konke okungenhla ehhovisi inkampani yomshuwalense sika kufunwe isitembu usuku irisidi ku kwelakho incwadi ikhava.
9. Uma sithatha imibhalo egcwele inkampani abasebenzi wenqaba, sithumela kubo ngeposi, ukubuya Irisidi eceliwe, qiniseka yokusungula utshalomali.

Ngokuvamile, ngemva kokuba zonke lezi zinyathelo, inkampani yomshuwalense akaceli imibuzo bahlelekela inqubomgomo ngaphandle kokubeka amasevisi angeziwe.

Kanjani futhi kuphi ukuthathelwa umshuwalense imoto for CTP

Thola umshwalense imoto kungaba cishe noma yikuphi inkampani inikeza izinkonzo ezifanayo. Abantu CTP ngokuthi umane "avtograzhdanki" njengenhlangano isifinyezo "umshwalense okuphoqelekile okwenziwa ezikhungweni kuhilele ecaleni elimayelana nezakhamuzi emotweni." Ukuze uthole it, ungenawo ngokuvamile kudingeka ukuba bazithobe ukuhlolwa imoto ngokwayo, kodwa yokuntuleka CTP kuyinto esithola esihle.

Ngakho lapho ukuthathelwa umshuwalense imoto for CTP? Uma uthi nhlá kungase kubonakale sengathi izindleko inqubomgomo kuyoba mayelana efanayo kunoma iyiphi inkampani, kodwa umkhuba lokhu akunjalo. Kodwa musa ukuxosha ezishibhile, okokuqala udinga ukuthi ucabange ngalokhu ukuthi IC yakho ukuze sivale lapho sisilela umonakalo unga, uma kunesidingo. Nazi ezinye izici okufanele eliqondiwe:

• Intengo yomshuwalense. Izindleko ongaphakeme yenqubomgomo - akusiyo njalo yinto enhle, kungcono unamathele phakathi intengo isigaba.
• Isilinganiselwa-umshwalense. izinhlangano Othembekile ngokuvamile anikele ezihlukahlukene ukukhuphula kanye izaphulelo, futhi idumela bona zikufakazela.
• Ukuhlinzekwa kwezinsiza ezengeziwe. Ngezinye izikhathi ibizwa ingabonakali ngemuva ukunqunywa amasheya nezinsiza ezingadingekile ngokuphelele kuwe, umshuwalense wezempilo, impahla, ukuphila nabanye.
• Lula indawo. Cabanga ukuthi kuyakuba kanjani esilungele wena ukuvakashela ehhovisi lenkampane uma isidingo.

CASCO

Olunye uhlobo ngempela ezidumile nqubomgomo CASCO. Insure imoto kulesi simo kungenzeka ngaphezu CTP, nakuba lokhu akuyona impoqo. Uhlu izingozi ngaphansi kwalesi inkontileka kungafaka cishe noma yini ilungile:

• ukweba;
• umonakalo uma kwenzeka ingozi;
• izingilazi eziphukile kusukela itshana ngiwunqume ngaphansi amasondo izimoto uyanandulela;
• oqoshiwe isondo;
• udedele yiziphi izinto bezinye izizwe, njenge icicles noma izitini;
• nezakhamuzi kanye imihuzuko Lokudabuka engaziwa;
• iyiphi enye izingozi.

Kulokhu, akunandaba ukuthi ubani awenzanga iphutha endabeni umshwalense, inkokhelo isazoqhubeka amboze ukulahlekelwa. Konke kuncike kuphela izindleko inqubomgomo - enkulu izingozi ezingase zibe khona likhona ke, lo ezibizayo kuba. Ngakho, njengoba ungacabanga, Hull - fun akayona ezishibhile, izindleko yomshuwalense imoto ngokuvamile 10-15% we intengo imoto uqobo. Nokho, naphezu kwezindleko nomsebenzi omkhulu, umshwalense CASCO kuthandwa kakhulu, ikakhulukazi phakathi abashayeli imfundamakhwela.

Kulokhu, impendulo yombuzo othi "indlela ukuthathelwa umshuwalense imoto ngaphandle umshwalense ezengeziwe" kunzima ngempela. Ngenxa yokuthi izinhlangothi zalesi sikebhe yokuzithandela ngokuphelele, izinkampani zomshuwalense ozama ukubeka ngangokunokwenzeka zimfuneko ezengeziwe. Kukhona amacala lapho Manager "engumthengisi" inikeza abashayeli imfundamakhwela okwengeziwe bahlele inqubomgomo alamu uma Ukuvalwa okungazelelwe (okuthiwa ngaphandle leli phuzu ukuthathelwa umshuwalense imoto ngokumelene ukweba kungenzeki). Ngeshwa, ekulweni izenzakalo ezinjalo kunzima - kulula ukushintsha umshwalense.

Yini kuthinta intengo CASCO

Kuzindla kuphi ukuthathelwa umshuwalense imoto ku Hull, kubalulekile ukuthatha ezinye zezici okungase kuthinte intengo inqubomgomo ku-akhawunti. Ngokuvamile incike:

• nemoto brand nokubaluleka kwalo - elikhulu linjalo, njengeliyiZwi ezibizayo inqubomgomo;
• engu-umshayeli kanye nesipiliyoni ukushayela - kuyini, eshibhile inqubomgomo;
• "Antiquity" umshini ngokwayo - the entsha ye imoto, eshibhile umshwalense, futhi imoto ineminyaka engaphezu 10-15 futhi awukwazi ukuthathelwa umshuwalense;
• khona kanye nezinga anti-theft izinhlelo;
• indawo nemibandela imoto - egcekeni, igalaji, esiqashwe noma olungalawuliwe lungadala yokupaka;
• ukubaluleka franchise - umonakalo esingeqile usayizi franchise, siqedwa iklayenti izimali siqu;
• kwabantu labantu esifundeni yokusebenza izimoto - isibonelo, amathuba engozi emzini iphakeme kakhulu kunanoma edolobhaneni elincane.

Futhi, izindleko inqubomgomo yomshuwalense sikebhe kungandisa:

• uhlu izimangalo umshwalense;
• beka yokulungisa - ngokuzenzakalela ukukhethwa UK kuyoba eshibhile, kodwa ukulungisa lapho kungaholela isamba lungisa;
• amaphesenti umkhawulo ngobukhulu besikhumba saleso inkokhelo lapho umcimbi insured;
• wenkokhelo ezimweni lapho imoto angeke lilungiswe nezinkonzo kumele ilahlwe;
• kungenzeka "Ikhadi Green" ukuhamba phesheya;
• umshwalense eyengeziwe ekuphileni umshayeli noma abagibeli;
• kungenzeka yokubhalisa izitolimende;
• kushuba isikhathi izinqubo sokubhekana nesimo endabeni ukuqashelwa yomshuwalense;
• ngaphezulu.

Umshwalense kuya ku-intanethi

Eminyakeni yamuva, kungakhathaliseki ukuthi hlobo luni Inqubomgomo uhlele, izinkampani ezinkulu umshwalense ukunikela inkontileka kwakha luhlaka nsizakalo. Ngakho, indlela ukuthathelwa umshuwalense imoto nge-Internet futhi indlela enokwethenjelwa? Ukuze uqale, siphawula ukuthi naphezu kweqiniso lokuthi le sevisi Kuyinto elula kakhulu, kusenzima akuphephile ngokuphelele. Thembela Kulokhu kubalulekile izinkampani esitebeleni kuphela kungase kutholakale. Ngakho ngaphambili kokuthi unqume ukuthathelwa umshuwalense imoto nge-Internet, funda ngokucophelela izibuyekezo mayelana inhlangano ngesevisi ezinjalo, noma i-ejenti umlamuli.

Ingqikithi yalo nqubo kanje:

• Ukhetha inkampani yomshuwalense kanye uya kuwebhusayithi yayo esemthethweni;
• Ngokutadisha ngokucophelela izimo sokubhalisa inqubomgomo Hull futhi MTPL, akhethe okuhle futhi ushiye isicelo inthanethi ukubhaliswa yayo;
• kwezinye izimo, kuyodingeka okunye ugcwalise lemibuzo iDemo, equkethe ulwazi mayelana imoto kanye neminye imininingwane Akuhleliwe;
• ucacise usuku nesikhathi lapho ongathanda ukuthatha inkampani yomshuwalense courier.

Phakathi nale nkathi, ngemva kokucubungula ulwazi sondela you gijimi nge umgomo ozovela umshwalense, okuyinto uzokhokhelwa kuyo leyo ndawo phezu kokuthola. Ungakwazi futhi ukukhetha lapho ukuletha idokhumenti - ekhaya noma emsebenzini, njengoba uthanda, into esemqoka - ukuba khona ngesikhathi esimisiwe. Lena ngempela elula, njengoba singasebenzi asikho isidingo ukuchitha isikhathi esiyigugu kuyiwe ehhovisi, akudingeki ukuba 'hang out "sezimoto, ume emgqeni ukuze umphathi-Cashier, nokunye. Isikhathi sakho nezinzwa yakho izohlala nawe.

Ukuze hhayi ukuchitha isikhathi lapho sivakashele ehhovisi yenkampani, ungase futhi usebenzise amasevisi amanxusa ekhethekile, abaxhumanisi, okuyinto evame ibuye ibe namakhasi abo kuyi-Internet. Agent - umuntu wemvelo kokuba isivumelwano ne inkampani yomshuwalense kanye wamasevisi Brokerage. abantu abanjalo ngokuvamile ukwamukela kusuka 10 kuya 20% yezindleko inqubomgomo, ngakho uma ukusebenzisa omunye futhi umuntu ofanayo ngaso sonke isikhathi, ingenza ngisho wena isaphulelo, futhi inqubomgomo izobiza eshibhile kancane. Nokho, kumelwe kube isibili aqaphele ukuba 'iyangena "a ubugebengu.

Credit imoto - ukukhetha ophoqelelwe inkampani yomshuwalense

Kodwa umbuzo "kuphi ukuthathelwa umshuwalense imoto, ezithathwe credit" ngeke kukusize ngalutho nhlobo. Iqiniso liwukuthi ebhange elikhiphe loan ukuthengwa izimoto, avame ukuthumela iklayenti inkampani ethize ngawo banawo inkontileka isevisi ezengeziwe kuphothulwe. Uma ungenalo ukuthathelwa umshuwalense credit imoto ncamashi lapho wathi imali wena kungenzeka athole.

Nokho, kukhona eyodwa caveat: iningi amabhange musa babambisane IC, kodwa ukuthi amakhasimende kubika "ukhohlwe". Ngakho ngaphambi kokuba wenze out loan, cela omele isikhungo yasebhange uhlu zonke izinhlangano ngawo zisebenza, bese ukhetha omunye evumelana nawe umhlabeleli. Kamuva, ekuphetheni isivumelwano sesikweletu, kudinga ikhono ukukhonzwa ilungelo lapho ukhona ukhululekile. Ngokuvamile, amabhange ungafuni ukulahlekelwa amakhasimende ngenxa "trifle 'okunjalo futhi uye phambili.

ezicashile umshwalense

Kukhona futhi kwezinye izimo ezikhethekile lapho kubulawa inqubomgomo kungase kube nzima. Lapha wena, isibonelo, nikwazi ukuthathelwa umshuwalense imoto ngaphandle ukuhlolwa? Kubonakala sengathi akukho lutho, kodwa kukhona ezinye umehluko wemisindo nemiqondo yamagama. Ezinye izinkampani zomshuwalense ukunikeza amakhasimende abo uthole "inqubomgomo nge isimo." Lokhu kusho ukuthi idokhumenti uzonikezwa kuwe, kodwa kuyodingeka ukubhala isitatimende ngalokho uyavuma ukunikeza pass ukuhlolwa kamuva kwaba izincwadi ezinjengethi phakathi nesonto.

Futhi, ungase ucelwe ukukhipha inqubomgomo emfushane eside, okungukuthi ukuthathelwa umshuwalense imoto lokho inyanga eyodwa noma amasonto amabili. Kuyinto nje kuyafana futhi kusho ukuthi kulesi sikhathi uyoba nesikhathi ekuhlolweni bese sibuyela emva "Ukuphepha" idokhumenti main. Uma isikhathi sesifikile kabusha umshwalense futhi tehtalon ubudala evumelekile ezinye izinyanga eziyisithupha, ngemva kwalokho pereprohodit akudingekile, kungenzeka ukukhipha inqubomgomo kulokho ukudla. Futhi uma uthenge imoto entsha, ukuhlola ithikithi awudingi, ngoba lokhu kuzokubangela eminye imiphumela zenzeke emva eminyakeni emithathu.

Ngenxa ukwazisa okukhulu kwenqubomgomo, abanye abanikazi imoto ungathanda ukuhlela masinya amanani "ubudala". Kodwa kungenzeka ukuthathelwa umshuwalense imoto ngaphambili, ukwazi akubona bonke abantu. Nweba ukuba semthethweni Inqubomgomo MTPL kungase kungabi ngenyanga ngaphambili kweyodwa ngaphambi isikhathi saso. Ngakho labo abashayeli abanokuhlangenwe yiqiniso kwalesi umshwalense ayimpoqo yisikhathi Ekuqaleni kuka-May, ungase kwakuthiwa ugcine kancane, yebo, uma ukuyichaza usuku wemali ukwanda.

Nge CASCO isimo esibi saba sibi nakakhulu - uma kokuvuselela inqubomgomo ekhona, kungenziwa kuka amasonto amabili ngaphambi kokuphela kulowo odlule. Futhi uma wenza out entsha noma ufuna ukushintsha inkampani yomshwalense, i-akhawunti ngokushesha futhi ngokuphelele izinsuku. Kodwa, inqubomgomo "isabelo" kungenziwa ikhishwe kwezinye izinkampani. Lokhu kusho ukuthi umshwalense inkontileka uphawu ziyokhokhwa ukuthi isikhathi sakho sokuba semthethweni iqala kusukela ngosuku odlulayo kabusha ukuhlolwa imoto, usuku lapho sabelwe usuku ezandulela usuku lokuphelelwa yisikhathi zomshuwalense. Londoloza, mhlawumbe, bakwazi, kodwa uma kwenzeka amandla oluphuthumayo njalo vumelwane asipheli.

Yiqiniso, kungcono kakhulu ukugibela ngaphandle kwenkinga, ngoba wazi kanjani ukuthi imoto kunzima ngempela oVikelwe. Ngeshwa, i-database ephelele enobunye izinkampani zomshuwalense alikho, kukhona idatha SAR kuphela, lapho impendulo ingatholakala ngokwazi inani inqubomgomo. Uma ungazi ukuthi yini impendulo kuyofanele balufune ngokuqondile kubahlanganyeli ingozi, njengoba kwenzeka ngezinye izikhathi oh yeka ukuthi kunzima.