Ndi chilolezo pamene CASCO chiyani? Chilolezo pa CASCO: ndemanga, zinthu

Lililonse pagalimoto kamodzi pa moyo wake anakumana ndi kufunika kugula ndondomeko ya galimoto (galimoto). Ndi chinthu chimodzi kuti apereke MTPL, T. E. kutsimikiza mavuto onse kuti katundu ndi umoyo wa lachitatu maphwando. malamulo otere nthawi zambiri anapeza pa nthawi anayendera ndi mokoma mgwirizano chiyani mkatikati. Ndipo pagona - kuti tipeze CASCO. Umafunika lalikulu chiwerengero cha ngozi yaikulu, chifukwa ngakhale insurer akumufunsira apereke chilolezo. Mwachidule akamanena mawu akuti ali motere: likhoza ngozi kasitomala adzakhala ndi ndalama pa galimoto kukonzedwa. Koma kodi ndi pansi kodi zinthu, ndi funso lina. Zambiri zimene ndi deductible pansi CASCO, kodi makhalidwe a mapangidwe ake werenganibe.

mfundo zofunika

CASCO - inshuwalansi galimoto ndi kuba, kuba kapena kuwonongeka lachitatu maphwando. N'chifukwa chake mabanki amafuna kukhalapo kwake mu kamangidwe ka ngongole galimoto. The ndikupeleka palokha ndi inshuwaransi galimoto mosaganizira amene anachimwitsa kuwonongeka.

Kulemba mfundo, nthumwi inshuwalansi chofunika akamufunsirire apereke chilolezo, kuwauza za phindu lonse la ndikupeleka ndipo, ndithudi, za kuchotsera kuti kasitomala mudzamulandira. Koma mtengo awo akhoza kutuluka mmbali yaitali. Deductible - kuchuluka kwa ndalama zimene zidzakhala lolipiridwa ndi makasitomala pa zosayembekezereka ya mwambowu inshuwaransi. Iwo tingasonyezere% ya kuchuluka pansi mgwirizano kapena mayunitsi ndalama. kukula kwake chili pasadakhale mu mgwirizano. Ndiko kuti, icho kwa ndalama zosayembekezereka zosatheka. Ndicho chimene chilolezo pa Hull mu mawonekedwe chosavuta.

Zosintha

Non-deductible deductible inshuwalansi CASCO zikutanthauza kuti ndalama zonse upambana kukula kwake, siyidzabwezedwa kwathunthu ndi kampani ya inshuwalansi (IC). Koma ngati Uwerenge mtengo kuchira adzakhala galimoto yaing'ono, kasitomala adzayenera zoperewerazo kuwonongeka wekha. Choncho, chilolezo ichi ndi otchedwa "makonzedwe".

Mwachitsanzo

ndi deductible 5 zikwi. opaka. Ngati zowonongeka Akuti pa 4.5 zikwi Opaka.., Ndiye ndalama kasitomala kulipira nokha. Koma ngati galimoto kuchira adzatenga 7 zikwi. Rubles, ndiye kuphimba zomvetsa zonse kampani.

Chopanda malire chilolezo mu inshuwalansi alumikizana ndi deducted kwa malipiro a. Ndiko kuti, Mulimonsemo, ndalama za inshuwalansi ya kasitomala kulipira m'thumba. Pa zikhalidwe za chitsanzo yapita, izi zikutanthauza kuti pamene kuwonongeka kwa 7 zikwi rubles, munthu adzalandira :. yekha 7 - rubles 5 = 2 zikwi .. Koma ngati ekspertiznaya mlingo wa 4.5 zikwi. Rubles, izo zonse ndalama kasitomala adzayenera azilipira okha.

Pali mitundu ina ya franchises, amene anafuna kuti magulu ena a makasitomala, koma zambiri ntchito mwa awa awiri. Chopanda malire zaphindu kwambiri, monga mmene kuchuluka deductible ndalama akhoza chongopeka chinawonjezeka ndi munthu inshuwaransi.

ubwino

Yankho mosapita m'mbali kuti funso ngati kugula ndondomeko ndi deductible, ziribe. Zikudalira zinthu zenizeni, chochitika galimoto galimoto, mphamvu ndi ndalama. CASCO inshuwalansi ndi deductible angakhale othandiza:

• Kasitomala akufuna ndalama pa kugula ndondomeko. Pamene m'gulu mgwirizano phindu chilolezo cha ndikupeleka adzakhala ndichepe kwambiri. Izi makamaka zikugwira ntchito kwa madalaivala popanda galimoto zinachitikira. Zikatero anapezazo ndi SC ntchito magawanidwe apamwamba. Ikuluikulu deductible, mtengo malamulo. Pankhaniyi, kasitomala muyenera kukhala okonzeka kuonetsetsa kuti malipilo ku kampaniyo, adzalandira kokha pamene zinawonongeka kwambiri galimoto. zimakhalapo Small izo kukonza ndalama zawo.

• Munthu akafuna kupulumutsa nthawi. Pankhani inshuwalansi kampani muyenera kupereka phukusi lonse zikalata kuchokera mafotokope a zitupa kuti zikalata kuchokera apolisi apamsewu. Chabwino, ngati zolemba zimenezi akhala linaperekedwa mwamsanga pa powonekera. Koma makasitomala zambiri kupita zolemba kubwerezanso. Ngati kuchuluka kwa kuwonongeka ndi ang'ono, n'zomveka kuti zoperewerazo yake. Choncho mungapeze nthawi ndi ndalama.

• SC komanso zaphindu kukonza alumikizana ndi deductible a. Reviews antchito a Makampani akutitsimikizira izi. Kaya kuchuluka kwa kuwonongeka malipilo malamulo ndondomeko ya kulembetsa yofanana. Koma ndalama akhoza kwambiri upambana malipilo. Choncho, otsatira amayesa kugulitsa ndondomeko ndi deductible a.

Ndani ayenera kugula ndondomeko?

Popeza anachitira ndi chakuti chilolezo pa Hull, kupita ku funso la amene ayenera kupanga pangano amenewa. Choncho, wogula angathe ayenera amakwaniritsa zinthu zingapo:

1. Kapezekedwe ka ndalama. Minor kuwonongeka kwa kasitomala adzayenera azilipira okha. Koma mwambo inshuwaransi zisadzachitike. Ndiye ndalama pa ogulidwa ndi malamulo adzayesedwa wolungama.
2. Long zinachitikira ngozi wopanda galimoto. Ngati munthu bwino anakwanitsa ndi galimoto amaona galimoto ngati nsomba m'madzi, chilolezo pa Hull adzapulumutsa bajeti pokhalabe otetezeka, kuyambira galimoto adzatetezedwa ku kuba kapena chiwonongeko.
3. Chikhumbo formalize ndondomeko pa mtundu umodzi wokha wa chiopsezo. Full alumikizana zikuphatikizapo chitetezo zisaonongeke ndi kuba. Koma ngati munthu ali ndi chikhulupiriro kuti luso lake la galimoto zazing'ono zimakhalapo sadzanyalanyazidwa, tiyenera kugula ndondomeko ndi deductible mkulu (7%) pa chiopsezo "kuwononga". "Hijacking" sikawirikawiri zoperekedwa kwa makasitomala payokha. Nthawi zambiri izo zifika kumumanga m'mitolo ndi zina. Koma ngati kasitomala ndi serviced ndi kampani kwa nthawi yaitali, anthu ambiri chilolezo pa Hull angakhale opindulitsa kupeza.

Mwaiwala zimene malamulo

Malinga ndi kafukufuku, madalaivala wosadziwa m'posavuta kuti ngozi ndipo funsani gulu la malipiro. Kwa iwo, ndalama pa mfundo kwasanduka mtengo kwambiri kwa galimoto kuchira. Bwino chabe kugula inshuwalansi ndi koefishienti apamwamba. N'chimodzimodzinso ndi madalaivala amene analandira ufulu pambuyo pa zaka 40.

ayamikira

Choncho amene amapindula ndi deductible CASCO? madalaivala ZIMAKHALA, amene samakhala pa zimakhalapo zazing'ono ndi okonzeka azilipira iwo nkhani zawo. Choncho makasitomala ayenera kugula ndondomeko ndi deductible mu 0.5-2% ya mtengo wa magalimoto.

Madalaivala achikulire yaitali ngozi wopanda galimoto akhoza lowani mgwilizano umene adzakhala kuchepetsa yekha kukwera mtengo kwa kukonza galimoto. Childs, amatipatsa chilolezo kuchuluka kwa 7%.

Obwera bwino kuiwala za mfundo monga "chilolezo mu inshuwalansi alumikizana", kutanthauza - kugula ndondomeko mwakamodzi ndi koefishienti mkulu. Ngakhale ndalama sachiza, koma chinthu maganizo akadali ntchito: dalaivala adzakhala mosamala ntchito galimoto.

nuance

Pezani obwezeredwa mu utumiki onse mungathe, ngakhale kasitomala Chatuluka ndi alumikizana ndi chilolezo cha. Reviews madalaivala pa maonekedwe akutitsimikizira izi. Koma mochenjera zidzatheke pokhapokha ngati lobadwa ngozi si inu. Mu Russia pali mitundu iwiri ya ndondomeko - CTP ndi alumikizana. Origin kuchepetsa kuwonongeka kwa wachitatu maphwando, ndipo chachiwiri - TC inshuwaransi. Choncho chidutswa cha reimbursement mwa chilolezo akhoza kukhala pansi pa malamulo CTP ponena za ngozi. Koma mu nkhani iyi m'pofunika kuti asonkhane phukusi wathunthu wa zikalata, chimene chili chofunika kulembetsa chochitika inshuwaransi. Ngati gawo la ndalama kulipidwa chifukwa CASCO ndi zikalata kale anagonjera "kunyumba" SC, ndiye apolisi magalimoto mukhoza kuitanitsa mabuku a satifiketi. Chinthu chofunika kwambiri - kuti apereke ndondomeko pamaso pa ulaliki wa UK amanena kuti anaperekeranji alumikizana, kwa insurer a woyambitsa wa. Apo ayi obwezeredwa adzakhala yafupika ndi kuchuluka kwa zoti likuwonongeka.

Car Loan

Kupereka ndalama ngongole kwa ogulidwa galimoto, banki kungafune makasitomala zina chitsimikizo. Pankhaniyi, zidzakhala CASCO. Pogula watsopano galimoto kulembetsa kwa utumiki uwu ndi chofunika kuti iwowo. Banks kawirikawiri kulowa zimenezi popanda inshuwalansi. Izi zimachitika nthawi zambiri pamene pantchito.

Pogula galimoto ndi mtunda alumikizana sitingathe. Ena mabanki mukuvomereza zimenezi chiwembu, koma zambiri zingakweze mitengo. A bungwe ngongole chidwi obwezeredwa ndi zivute zitani. Koma ngati galimoto chandalama, koma palibe inshuwalansi, muyenera kuchepetsa ndalama kuti kasitomala Komabe kubwezeretsa galimoto pambuyo ngozi.

Polankhula

Madalaivala akulangizidwa Pankhaniyi kutsimikiza galimoto chaka chimodzi (ngati adzalola banki) ndi njira komanso kudziwa ngati mukufuna mfundo konse. Ngati zimenezi sizingatheke, m'pofunika kuchita zinthu mogwirizana ndi pulogalamu muyezo. madalaivala odziwa mukhoza kugula ndi chilolezo pamene CASCO galimoto ngongole zimene kutsimikiza yekha kuba kapena chiwonongeko. Ena ayenera kugula ndondomeko ndi pang'ono kuchotsera pa.

Kuchepetsa ndalama ndondomeko mwina m'njira zina:

• Kuchepetsa nthawi malipiro kwa zaka 5 2.
• Insuring galimoto kokha ndi kuchuluka kwa ngongole ndi, ukonde wa malipirowo pasadakhale. Mudzabwerera chilolezo kwa alumikizana ilipiridwa mu chiwerengero yemweyo:

(Malipiro - deductible) * (Koyamba kufunika galimoto - pasadakhale) / 100.

kupanga chipukuta misozi

Ambiri mwa maganizo olakwika kwa kampani kugwirizana ndi kusadziwa akamanena za makasitomala za kayendetsedwe onse ndi mfundo, makamaka, kodi chilolezo pa Hull. Koma ngati mwawerenga mosamala mgwirizano ndi kumvetsa mfundo ya zambiri pamaso kusainira mapepala, mavuto zikhoza kupewedwa. Tiyeni tione chitsanzo cha ndondomeko malipiro processing.

Malipilo mwina kuchepetsedwa ndi amachotsera amenewa: deductible depreciation. Onse a iwo anapanga pa mawu a mgwirizano. Kulemba mapepala, kasitomala akugwirizana ndi kutsimikizira kuti mfundo za iwowo ndi bwino.

Mwachitsanzo

Munthu inshuwaransi galimoto kuchuluka kwa 500 zikwi. Opaka. pangano sizinatchulidwe chilolezo deductible pa mlingo wa 1.5% mu nkhani ya ngozi. zoonengeka zikwi 50 rubles .. Chinthu choyamba chimene payout adzakhala zopanda - chilolezo:

50 000 * (1-0,015) = 49 250 rubles.

Pamakhala zoti likuwonongeka. Mtengo wa zida zosinthira, amene sakhoza anachira, kuti deducted kuchuluka kwa kuvala galimoto. Motalikira galimoto ntchito kwambiri, kuchuluka kwa ndalama izi.

Harmonization ndalama akonzetsere malo - njirayi momveka bwino malamulo ndi mgwirizano. Ngati kwalembedwa kuti policyholder amasankha okwerera, malipilo adzakhala anavomera ndi woimira kampani ndi siteshoni utumiki. Koma mu nkhani iyi, ndi kasitomala simungathe chikhulupiriro mu ubwino wa utumiki kwa iye. Choncho, pa siteji ya kusainira ndi zikalata zofunika kuonetsetsa kuti mgwirizanowo m'gulu mawu akuti "okwerera pansi chitsimikizo."

Pomaliza

Chilolezo - ndi kuchuluka kwa ndalama zimene chochitika inshuwaransi sati kulipidwa ndi UK. Kukhalapo kwa chinthu ichi mu pangano amachepetsa mtengo koyamba za ndondomekoyi. Koma ndalama akhoza ndiyeno nkutembenuka mmbali madalaivala wosadziwa. Anthu amene kudziona pa gudumu, m'posavuta kuti ngozi. Akatswiri makasitomala ngati kugula chabe mfundo ndi koefishienti apamwamba ndi mantha inshuwalansi za aliyense zikande. Chilolezo angapulumutse ndalama zokha ndi madalaivala odziwa.