Nzira yekusarudza auto insurance?

Auto inishuwarenzi inomanikidzwa, inokutendera iwe kufamba nemotokari mumigwagwa yeruzhinji uye inovhara zvinhu uye kukuvara pachako izvo mota yako inogona kukonzeresa kwauri kana kune wechitatu bato. Muchikamu chino, tinokupa mazano pamusoro pekusarudza kwako Inishuwarenzi yemotokari.

🔎 Ndeipi inishuwarenzi yekusarudza?

Haasi ese zvibvumirano zveinishuwarenzi zvinopa kuvharika kwakafanana. Zvakakosha sarudza nokungwarira auto inishuwarenzi yake yekudzivirira mune chero mamiriro ezvinhu.

Mhando nhatu dzeauto inishuwarenzi zvibvumirano zvinopihwa izvozvi:

• Civil liability insurance : Iyi ndiyo level zvishoma kudzivirira chaizvoizvo muFrance. Inotsiva kukanganisa kunokonzerwa nemotokari yako kune wechitatu bato. Zvisinei, mutyairi wemotokari yetsaona nemotokari yake havawani inishuwarenzi nokuda kwekukuvadzwa kwaitwa.
• Yakawedzerwa yechitatu inishuwarenzi : Inosanganisira yechitatu-party inishuwarenzi iyo yakawedzera gadziriro yakawedzerwa. Ivo vanotemerwa pakusaina chibvumirano neinishuwarenzi. Dziviriro panjodzi dzakati dzakakura, dzakadai segirazi rakapwanyika, kuba, mwoto, kana kuti kunyange njodzi dzinongoitika dzoga.
• Inishuwarenzi yakazara : Iyi ndiyo yakanyanya kuzara yainopa zvakanakisa kufukidzwa kune mutyairi kunyange kana paitika tsaona ine njodzi. Imwe bhenefiti ndeyokuti inobvumidza iwe kusarudza nzira yekubhadhara yaunoda kana mota ichiparadzwa: muripo wemari kana kutsiva mota.

. Rates Kondirakiti yako ichasiyana zvichienderana nerudzi rwekuvhara kwaunosarudza, modhi yemotokari yako nenzvimbo yayo yekufambisa uye kunyanya chimiro chako chemutyairi.

Rwako ruzivo ruzivo runoteedzera yako nhoroondo yekutyaira mumakore mashanu apfuura maererano nezvinodiwa nemhosva. Inodaidzwa bhonasi Malus.

Iyo coefficient, inoverengerwa gore rega rega, iyo inopa mibairo kana masanctions mutyairi zvinoenderana nechimiro chake uye ruzivo rwake rwekutyaira (vatyairi vadiki, zvinodzokororwa zvirevo, nezvimwewo). Inoisa huwandu hweiyo mota inishuwarenzi premium inobhadharwa nemubati wemutemo.

Iwe unofanirwa kuve neinishuwarenzi yekufamba nemotokari yako. Chokwadi, kutyaira pasina inishuwarenzi ndiko DELit anobhadhariswa faindi 3 750 €, kutadza kufambisa kana kutorera yako mota uye kumisiswa rezinesi rako rekutyaira kusvika 3 makore.

🚘 Nei uchishandisa auto inishuwarenzi?

Makambani einishuwarenzi anogara achipa akawanda kana mashoma masifomamu anoenderana nezvinodiwa. Pindana ne auto insurance comparator ndiyo mhinduro yakakwana yekuenzanisa mareti uye kufukidzwa kwaunogona kunyorera.

Mumaminetsi mashoma, unogona kumhanya modelling yakachinjirwa kuprofile yako uye uwane zvakawanda kupfuura 50 inshuwarisi.

Chokutanga pane zvose, unodatsanangura chimiro chako chemutyairi uye zvaunoda kudzivirira zvine chekuita nemotokari yako: nzvimbo, dhorobha kana kumaruwa, kutyaira nguva dzose, mabhonasi apfuura, zera rako, nezvimwe.

Izvi zvinodikanwa zvinofanirwa kuenderana nebhajeti yako, saka tinokupa zano kuti uite auto insurance quote zvikumbiro ndiani achapfupisa:

1. Yakasarudzwa inishuwarenzi formula (wechitatu bato, wechitatu akafumiswa, kana njodzi dzese).
2. Yegore inishuwarenzi premium rate ye auto inishuwarenzi.
3. Mari yeFranchise.
4. Mutengo wezvimwe zvingasarudzwa izvo zvamakasarudza.
5. Mitemo yemuripo.

Kushandisa online comparator kunokupawo kuchengetedza nguva nekuti unogona kutenga inishuwarenzi yemotokari online ipapo, izvi zvinodanwa 100% internet kubhadhara.

📝 Maitiro ekudzima auto inishuwarenzi?

Kana iwe ukanyorera kune auto inishuwarenzi yekuenzanisa maitiro, zvinokwanisika kuti iwe uchawana iri nani dhiri kupfuura yauinayo parizvino. Usati wachinja chibvumirano, unofanirwa kuita kubvunza kugumiswa kweinishuwarenzi yake yemotokari.

Kune izvi 4 kugumisa mamiriro kumisa kondirakiti yako:

• Kubvumbi 1 uye kusangana, unogona kuimisa chero nguva nekutenda kuMutemo waHamoni.
• Kana insurer yako yazvino isiriyo hapana kutaurwa nezve mukana wekugumiswa mukati menguva yakatarwa yekuzivisa (Mutemo weChatel).
• Mumamiriro ezvinhu apo kontrakiti yako yekunopera nguva inotumirwa mumazuva asingasviki gumi nemashanu kusvika iyo yekupedzisira yatangazve.
• Munguva kuchinja mamiriro : kutengesa mota yako, kuba ...

Kuti kugumisa kurangarirwa, unofanira kutumira tsamba yakanyoreswa inekubvuma kwekugamuchira wako inishuwarenzi mu kanenge mwedzi miviri isati yasvika nguva yekupedzisira auto inishuwarenzi zvibvumirano. Kubviswa kunotanga kupera chibvumirano zvinoenderana neInishuwarenzi Code (chinyorwa L113-12).

Kusarudza auto inishuwarenzi idanho rakakosha, rinokutendera kuti uve neinishuwarenzi yakanaka uye nemutengo wakanakisa. Kupfuura muenzanisi weinishuwarenzi kunokubvumira kuti uwedzere sarudzo dzako uye uite sarudzo chaiyo neruzivo rwese pamunwe wako.