Uyini umahluko kusuka CTP CASCO

umshwalense CASCO - inqubomgomo yomshuwalense yokuzithandela imoto, ngenkathi MTPL - ayimpoqo. Adume kakhulu eRussia lifaka Inqubomgomo MTPL kuqala. Yiziphi umehluko omkhulu phakathi kulezi zinhlobo ezimbili umshwalense?

1. CASCO - umshuwalense kwanoma yiluphi uhlobo kwezithuthi (imoto, isikebhe, isitimela, indiza, njll). Lapho enza umshwalense MTPL angase imoto kuphela.
2. Esimeni i icala umshwalense, isisulu kufanele athintane okungenani inkampani yomshuwalense yakho (CASCO), noma inkampani umsunguli isigameko (CTP).
3. Lapho CASCO inqubomgomo inikeza egcwele kakhulu ukulungisa lokho okonakaliswa ngaphandle kwentengo. Ngaphezu kwalokho, siphinde sihlinzekele nezinhlelo ezihlanganisa isinxephezelo ngenxa ukulahlekelwa inzuzo, ngokungafani kuya CTP.
4. umshwalense CASCO uma kungenzeka, hhayi kuphela imoto, kodwa futhi abagibeli wezimpahla, impahla, kuyilapho ngesikhathi umshwalense MTPL kukhonjelwe kuphela ube nesibopho ngokonakalisa besithathu.
5. Lapho Hull unethuba bazilungisele umshini ngezithukuthuku ngomshuwalense, ngokushesha nje kwemali esetshenziswe ukubala esikhokhelwayo nganoma CTP.
6. Endabeni ka umshwalense Hull, kungase kube Franchise.
7. Ubukhulu BoMbuso umonakalo lapho CASCO Inqubomgomo singakwazi ukubona noma yikuphi uchwepheshe, kuyilapho ngesikhathi CTP - kuphela uchwepheshe othile ozimele.
8. Lapho Hull ukubaluleka premium kunqunywa inkampani yomshuwalense, lapho CTP - kulawulwa isimo.

Lolu hlu kuphela umehluko oyinhloko kula izinhlelo ezimbili umshwalense. Kufanele kushiwo ukuthi sikebhe ihlukaniswe ezimbili izinhlobo - a egcwele futhi ngokwengxenye. umshwalense Okugcwele oluphelele ikuvumela ukuthathelwa umshuwalense ngokumelene zonke izingozi: ukweba, ingozi, umlilo, inhlekelele yemvelo . izenzo okungekho emthethweni besithathu, izinto ehlela phezu imoto, njll Icala ngokwengxenye yomshuwalense sikebhe pholisi unelungelo lokunquma ukuthi izingozi ecaleni lakhe abaluleke kakhulu, futhi hhayi ukuthathelwa umshuwalense imoto kusuka ingozi ephansi ematfuba kuye.

Uma unquma ukuthi udinga Hull inqubomgomo, kanye ibhajethi yakho kungagcini, sikebhe esinqunyiwe kungaba yindlela enhle out. Enye kungenzeka kungaba ezikhokhiswayo. Franchise ukusungulwa kusho ukuthi ikhava umonakalo ezincane kuya pholisi ukhiqiza ngokuzimela. Ngokwesibonelo, uma ezikhokhiswayo isethwe ruble 5000, yokulungisa e lemali ukuthi likhona ibhokisi, umnikazi imoto okhokhela yena. Futhi uma kwenzeka umonakalo ngenxa isizumbulu, it has ukuba ngilidlulisele inkampani yomshuwalense.

Cabangela ezimbalwa ongakhetha ukulondoloza lapho wenza Inqubomgomo CASCO. Okokuqala, kungenxa ukushayela ingozi-mahhala ngonyaka odlule, njengoba lokhu kulinganisela kunakwe lapho kubalwa inani kwenqubomgomo. Okwesibili, inani labantu, elenziwe umshwalense. Wena kufanele sicabange ngokujulile ngokuthi ngubani empeleni yona ishayele imoto ize, futhi abangakwazi zifakwe ohlwini - izophinda ukunciphisa izindleko zomshuwalense. Ekugcineni, ungakhohlwa mayelana amabhonasi nice and izaphulelo ukuthi izinkampani eziningi umshwalense ukunikeza amakhasimende abo uma ufaka isicelo amasevisi izinkampani umlingani.

Manje ukuthandwa CASCO ezikhulayo, futhi lokhu kalula wachaza. Ngaphezu kwalokho, inqubomgomo yomshuwalense yokuzithandela kungenziwa kuhlangene inqubomgomo eziphoqelelwe. Ngakho, wena uyobe uhlinzeke ukuphepha olunzulu kwezezimali - eqinisweni kule uma kwenzeka ingozi, ningaqiniseka ukuthi ophana kakhulu umonakalo ngenxa sikebhe, futhi umonakalo ephathini abalimala kuzothatha inkampani yomshuwalense okungawo niye wenza CTP inkontileka. Futhi ezifana ukuvikelwa olunzulu wena obathandayo akudingeki kubize kakhulu, ngenxa yezizathu esesichaziwe.

Uma ufuna ngesikhathi esifanayo ngaba nokuzethemba isinqumo sakho, ungenza zangaphambi wokubalisisa nofana ekubalweni CTP sikebhe.