Kodi mawerengedwe a mtengo wa inshuwalansi alumikizana? Intaneti Chiwerengero

Policy galimoto zaufulu alumikizana adzakhala chitetezo chodalirika ndi kutayika mwambo ngozi, kumira, moto kapena kuba galimoto. mtengo wa malamulo kumatengera zifukwa zingapo, ndipo inshuwalansi Pankhaniyi lagawidwa ndi tsankho kuwononga pamene yekha anaphimba, ndipo malizitsani pamene mwini galimoto akubwerera Uwerenge imfa vuto la kuba kapena kuwonongeka. zofunikira kwa policyholder pa Hull chifukwa cha malamulo a makamaka inshuwalansi kampani, ndi zokhudza chochitika galimoto, ndi tariffs, nambala umbava a mtundu galimoto yeniyeni.

Kusankha insurer akhoza kukhala paokha kapena pogwiritsa ntchito misonkhano ya wogula ndi, powasamalira i zotsatirazi. Mwachitsanzo, kampani ayenera chilolezo kuchita ntchito inshuwalansi, kupanga ndalama zonse ndiponso m'nthawi yake, ndi zambiri maganizo abwino ndi zinachitikira misonkhano kupereka mfundo kapangidwe pa momwe akadakwanitsira. Mulimonsemo, galimoto inshuwalansi akuyamba ndi kudziŵa ndalama yeniyeni ya galimoto, ndiye kudziwa kuchuluka kwa chopereka, kenako anachita kuphedwa mwachindunji za ndondomekoyi yokha. Musanapite mgwirizanowo ayenera powerenga mawu omwe limafotokoza inshuwalansi ndi inshuwalansi zonena.

Kupeza mfundo CASCO - si ntchito yosavuta zofuna njira yoyenera. Choncho tikulimbikitsidwa kugwiritsa ntchito chisanadze CASCO Intaneti Chiwerengero yosonyeza mtengo pafupifupi za ndondomekoyi. Mtengo wa inshuwalansi ndi ofanana ndi mtundu ndi mtundu wa galimoto, chaka makina kupanga odziwa pagalimoto. Mwachitsanzo, ngati dalaivala wa zaka 20, nkhani yake galimoto pasanathe zaka ziwiri, ndipo galimoto inshuwaransi ndi anthu ambiri pafupipafupi waba galimoto CASCO inshuwalansi ndalama ndalama chonse.

A yatsopano galimoto zambiri akhoza inshuwaransi pa kuchotsera, musataye mwayi kukwezedwa ndi mapulogalamu a automakers ndi salons wapadera. Magalimoto ngati mtengo wa mfundo mwina zopanda 5-6% ya mtengo za makina. Nthawi zambiri, mtengo wa CASCO ndi 6-12% ya mtengo wa "chitsulo kavalo" ndipo mu nkhani ya inshuwalansi galimoto ndi gudumu chabwino ndi moyo utumiki wamakhalidwe akhoza kukula kwa 15-17% kapena kuposa. Tiyenera kukumbukira kuti pa magalimoto zoweta ndi magalimoto yachilendo imene anamasulidwa pa zaka khumi zapitazo, kudzakhala kovuta kupeza CASCO inshuwalansi (Intaneti Chiwerengero), chifukwa utumiki limasonyeza okha owerengeka inshuwalansi akuda.

Kakuleta Makinawa ili pa malo kampani ya inshuwalansi, chida champhamvu kudziŵa mtengo wa mfundo si monga nthawi ya ochuluka, amaona deta zosavuta zokha. Choncho, mawerengedwe kuyambirira muyenera foni ndi inshuwalansi kampani ndipo mukafufuze ngati iwo kuganizira nthawi inshuwalansi galimoto zotsatirazi mokoma:

• Chiwerengero cha madalaivala amene anavomereza kuti kasamalidwe makina;
• Galimoto zinachitikira munthu akutenga inshuwalansi;
• The ndalama za makina yokha ndi zomvetsa inshuwalansi chitsanzo ichi;
• Garaja yosungirako galimoto ndi kufalitsa Kanema ma siginalo.

Yachokera pa mayankho a inshuwalansi kampani ndi madalaivala nthumwi mwayi kudziwa profitability wa kugula malamulo. Mwachitsanzo, ngati policyholder ali wamakhalidwe zinachitikira galimoto, galimoto yanu nokha, kusunga galimoto yanu pa oyimitsira kapena garaja, ndipo zinthu galimoto inshuwalansi kungakhale kwambiri kwa iye. Komabe, mu Mulimonsemo, muyenera choyamba mutidziwe ndi mawerengedwe lenileni la mtengo wa mfundo alumikizana inshuwalansi ndi bwinobwino mgwirizano inshuwalansi, ndi pamenepo pokha kutengapo maganizo ndi kutenga inshuwalansi.