chii? Decryption, mutengo uye maficha
Mune zvinyorwa pamusoro peinishuwarenzi paVodi.su, isu kazhinji, pamwe chete neCASCO uye OSAGO mitemo, yakataura zita reimwe rudzi rweinishuwarenzi - DSAGO. Muchikamu chino, tichaedza kupindura mubvunzo: chii, chii chinotsanangurwa, kupi chinogona kubudiswa, uye chii chiri kushandiswa kwayo.
Unogona kuwana mamwe mavhesi echipfupiso ichi: DoSAGO, DAGO, DGO, nezvimwe. Ese anodudzirwa zviri nyore - voluntary third party liability insurance. Mune dzimwe nzvimbo, shoko rokuti "kuzvidira" rinotsiviwa ne "kuwedzera", asi chinangwa cheizvi hachichinje.
Sezvaunoziva, kune mimwe miganho pahuwandu hwekubhadhara pasi peOSAGO:
- 400 zviuru zvekukuvadzwa kwezvinhu kune vechitatu mapato;
- 500 zviuru zvekukuvadza hutano.
Iyo yekuzvidira DSAGO mutemo unowedzera zvakanyanya huwandu hwemubhadharo wekuvhara: kubva pa300 zviuru kusvika 30 miriyoni. Ndiko kuti, kana mutyairi, semuenzaniso, akarova SUV inodhura, haakwanisi kuisa mari muhuwandu hwe400 zviuru. Usakanganwa zvakare kuti zvakajairika mumakambani einishuwarenzi kusakoshesa mutengo chaiwo wekukuvadza. Saizvozvo, muparadzi wetsaona achafanira kuisa mari yakarasika kubva muhomwe yake - kutengesa mota ine imba, kutora chikwereti kubva kubhangi kana micro loan, kukwereta kubva kuhama. Neshoko, iwe uchafanirwa kukwira mune rimwe gomba rechikwereti.
Kana paine mutemo weDSAGO, kambani yeinishuwarenzi inovimbisa kubhadhara mari yese inodarika iyo yakanyanya kubhadhara CMTPL. Saizvozvowo, munhu akakuvara achakwanisa kugamuchira kwete 400 kana 500 zviuru zveRubles, asi, semuenzaniso, 750 zviuru kana miriyoni imwe nehafu, zvichienderana nemuganhu wakasarudzwa neinishuwarenzi.
Features
Mazhinji makambani einishuwarenzi anopa sevhisi yakadai seyakawedzerwa OSAGO. Izvi ndezvechokwadi, 2 mu1, kureva, OSAGO uye DoSAGO mune imwe package. Sezvingatarisirwa, mutemo uyu uchadhura zvakanyanya.
Zvaunoda kuziva nezveDSAGO:
- zvinokwanisika kubudisa chete kana pane OSAGO;
- huwandu hwekuvhara kubva ku300 zviuru kusvika ku30 mamirioni rubles;
- hapana yunifomu tariffs, seOSAGO, imwe neimwe kambani yeinishuwarenzi inoisa mitengo yayo;
- kubhadharwa kwemari insured inoitwa mushure mekubhadhara kwese pasi peOSAGO (kugadzirisa kwemari iyi kunogoneka);
- a deductible inowanzotangwa - mari isina kubhadharwa insured.
Paunenge uchigadzira DoSAGO, unofanirwa kunyatsoverenga chibvumirano. Saka, kune marudzi maviri makuru emitemo: uchifunga nezvekupfeka uye kubvarura kwemotokari uye pasina kufunga nezvekupfeka uye kubvarura. Yechipiri sarudzo inonyanya kufarirwa, sezvo vanobatwa vachakwanisa kuisa maoko avo pahuwandu hwakazara hwekukuvadza, uye kwete kuderedzwa nekupfeka chinhu.
Dhizaini uye mutengo
Iyo yakakwana yakawanda yemuripo weinishuwarenzi yekuzvidira inobva pamiriyoni imwe. Kunyoresa kunoitika nenzira yakajairika, iwe unofanirwa kuve uine:
- OSAGO mutemo;
- zvinyorwa zvinyorwa zvemotokari - STS, PTS, chibvumirano chekutengesa, simba regweta;
- pasipoti yako.
Yakasiyana ICs inopa nzira dzinoverengeka dzekubhadhara muripo pasi peDSAGO. Nzira iri nyore ndeyekupeta miganho yeOSAGO neDSAGO (unowana huwandu hunosvika mazana mana ezviuru zveinishuwarenzi inosungirwa, imwe yese yeDSAGO), kana mubhadharo weOSAGO unobviswa kubva pamuganho weDoSAGO, zvichiteerana, muganho weDSAGO (pamwe. inishuwarenzi inosvika miriyoni 400) haipfuure miriyoni 1,5. Mamiriro ese aya akatsanangurwa muchibvumirano, saka usazeza kubvunza maneja nezve zvese zvausinganzwisise.
Kunyangwe makambani ese einishuwarenzi ane mitero yakasiyana, mutengo weinishuwarenzi yekuzvidira haupfuure 1,5-2 muzana yehuwandu hweinishuwarenzi. Iyo yakachipa mutemo we500 zviuru rubles muIngosstrakh inodhura 1900 rubles. Nokuti mamiriyoni 30 rubles, zvichaita mari anenge 18-25 zviuru.
Ndokumbira utarise kuti kazhinji zvibvumirano zvemari inopfuura mamirioni mashanu zvinogadzirwa pamberi peCASCO inishuwarenzi - ino nguva inoda kutsanangurwa zvakasiyana nekambani yeinishuwarenzi.
Выплаты
Kuti udzivise misoro isingakoshi, zviri nani kuburitsa zvese zviri zviviri marongero mune imwe kambani yeinishuwarenzi. Kuti ugamuchire mubhadharo mushure mekuitika kwechiitiko cheinishuwarenzi, unofanirwa kuenda nenzira yakajairwa, kureva, kuendesa magwaro anotevera:
- shanduro;
- chitupa chetsaona - kupi kwacho, isu takambotaura paVodi.su;
- protocol uye kugadzirisa pakutyora;
- magwaro emotokari yemutadzi uye akabatwa;
- OSAGO mutemo;
- pasipoti yeane mhosva.
Kubhadhara kunoitwa maererano nemitemo yakagamuchirwa - mukati memazuva makumi matanhatu mushure mekunge chikumbiro chaendeswa. Maererano nezvigadziriswa zvakagamuchirwa muna 60, zvinokwanisika kutumira motokari yekugadzirisa pane kubhadhara mari.
Sezvauri kuona, DSAGO haitsivi, asi inozadzisa OSAGO. Mitengo yemutemo uyu haina kukwirira, asi kune zvakawanda zvinobatsira. Kana iwe uchigara muguta hombe uko kune dzakawanda dzekunze mota dzemhando yepamusoro dzinotyaira, kunyoreswa kweDSAGO kunogona kukuponesa iwe nemhuri yako kubva kumatambudziko emari kana pakaitika kudhumhana nemotokari dzinodhura.
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