Nzira yekusarudza mudhudhudhu inishuwarenzi?

Usati wasaina kondirakiti yeinishuwarenzi, unofanirwa kufananidza izvo zvakasiyana zvinopihwa mudhudhudhu kana sikuta. Chokwadi, pane zvakavimbiswa zvakafanana, unogona kusevha mazana emazana euros, zvinoenderana neinishuwarenzi. Kunyanya kana iwe uri kuchovha ine simba mudhudhudhu kana mudiki A2 kirasi mujaho. Uye zvakare, mamwe marudzi einishuwarenzi emidhudhudhu ari nani pane mamwe maererano nemutengo uye kufukidzwa mune chiitiko chekuda kana kubvisirwa.

Inishuwarenzi yemudhudhudhu inoshanda sei? Ndeipi inishuwarenzi yemudhudhudhu yaunosarudza? Ndeipi inishuwarenzi yemavhiri maviri ndiyo yakanyanya kunaka? Zvitsvagire wega matipi ekusarudza yakakodzera mota inishuwarenzi : Kumanikidzwa Warranties, Best Midhudhudhu Masvomhu uye Nhamba yeMidhudhudhu Inishuwarenzi Inopa.

Chii chinonzi inishuwarenzi yemudhudhudhu?

Inishuwarenzi yemudhudhudhu chibvumirano chinobvumira chero muridzi wemudhudhudhu, angave mutyairi kana kwete, kufukidza yako maviri-mavhiri mota kubva akasiyana njodzi... Inishuwarenzi inovimbisa inogona kuvhara mota nemutyairi wayo, pamwe nezvimwe zvinhu zvine mudhudhudhu. Chibvumirano, panoperera zvirevo zvakaisirwa kuona kodzero nezvisungo, zviri pamutemo kana kwete, zveinishuwarenzi neinishuwarenzi mune chiitiko cheimwe chiitiko kana njodzi inogona kuitika.

Inishuwarenzi inoshanda musimboti chaiwo: iyo inishuwarenzi inopa mubati wezvematongerwo enyika kuti asimbise mudhudhudhu wake nemutyairi wake, asi mukudzoka iye wekupedzisira anofanira kubhadhara bhonasi nguva dzose kukura kwayo kunoenderana nesarudzo yawakanyorera. Kubhadhara kweinishuwarenzi yemudhudhudhu inowanzoitwa gore rega kana pamwedzi, zvichienderana nezvinodiwa neinishuwarenzi.

Munyaya ye kusabhadharirwa mari yeinishuwarenzi, ipapo inishuwarenzi anogona kumisa chibvumirano cheinishuwarenzi. Uye zvakare, kumwe kunatsurudzwa kune maviri-mavhiri mota kunogona kutyora chibvumirano. Izvi ndizvo zvinoitika kana iwe ukaisa isina kubvumidzwa pombi yekurasa pamudhudhudhu wako, kana kana iwe ukawedzera simba remavhiri maviri, semuenzaniso, nekugadzirisa zvakare.

Basa reMotokari Inishuwarenzi

Midhudhudhu inishuwarenzi inobvumira kuwedzera mikana yevaviri-mavhiri emabhiza Kusvika panjodzi dzavanoratidzwa, inoshanda nenzira imwechete sebhonasi-malus ratio. Mushure mezvose, inopa kubhadhara neinishuwarenzi yefranchise, iyo huwandu hwayo inopihwa muchibvumirano, kana paine kuregeredza kwake.

Franchise chirango, mupiro wemari weiyo inshuwarisi, kana akawanikwa aine mhosva yekuda kukonzeresa kukanganisa kune wechitatu bato. Nokudaro, kunyange kana munhu akakuvadzwa akawana mubhadharo kubva kune inshurensi, mari yekubhadhara iyi inofanira kudzorerwa nemunhu ane inishuwarenzi. Izvozvi zvinoshanda kune rimwe bato kana uyo ane inishuwarenzi ari mubvunzo ari nyajambwa wechikumbiro.

Pakaitika tsaona ine njodzi, chirango chinoiswa pachibvumirano. ipapo malus inoguma nekuwedzera kwemubhadharo weinishuwarenzi... Kana vari vatyairi vakanaka, yavo inishuwarenzi premium inoderedzwa pagore. Bonus-Malus kuverenga kunoitwa nemutemo.

Inishuwarenzi yemidhudhudhu inomanikidzwa

Mutemo unoda kutengwa kweinishuwarenzi yemudhudhudhu kune vese mabhasikoro anoda fambisa mota yemavhiri maviri mumigwagwa yeruzhinji... Naizvozvo, inishuwarenzi yemudhudhudhu inomanikidzwa kutasva mudhudhudhu muguta, mumigwagwa nemigwagwa mikuru. Ndokumbira utarise kuti inishuwarenzi yemumigwagwa inodikanwawo kuti udzidzise kuchovha mudhudhudhu munzira.

Zvichienderana nezinga rekuputirwa, mhando dzinoverengeka dzezvibvumirano dzinogona kusiyaniswa, asi zvinosungirwa zvishoma - vimbiso yemhosva yehurumende iyo inosanganisira kufukidza kwekukuvara kwepfuma uye kukuvara pachako kwakatambudzwa nemumwe kana vamwe vatatu vevanhu mune mamiriro echikumbiro. Yakanga yakanyatsogadzirirwa kuitira kuti munhu akakuvara awane muripo wakakodzera kubva kumutyairi (uye inshuwarisi yake) anowanikwa aine mhosva.

Nekudaro, zvakakosha kuti uzive kuti wechitatu weinishuwarenzi yemhosva inishuwarenzi kana inishuwarenzi yezvikwereti haina kuvhara kukuvara kune mutyairi kana mudhudhudhu waakatasva, kunze kwekunge mumwe wacho aine mutoro uye aine inishuwarenzi. Ipapo isu tinotaura nezve wechitatu bato kudhumhana garandi.

Mafomula akasiyanasiyana uye sarudzo dzeinishuwarenzi yemudhudhudhu

Mabhasiketi matsva anowanzo kurasikirwa pamberi pechaunga cheinishuwarenzi uye mafomula anogona uye sarudzo. Chaizvoizvo, kune akasiyana mashuwarisi emidhudhudhu mafomula.

La iyo inonyanya kukosha fomula ivimbiso yemhosva yehurumende (inodikanwa) inokurukurwa pamusoro. Mhosva yehurumende inokutendera iwe kufukidza vechitatu mapato kubva mukukuvara pachako kana neimwe nzira kukuvara munjodzi inokonzerwa nekuregeredza kwemutyairi.

Nekudaro, zvinoenderana nesarudzo yemunhu, iyi yekutanga sarudzo inogona kuwedzerwa kune yepakati mudhudhudhu inishuwarenzi, inozivikanwa seyechitatu bato inishuwarenzi + kana yese yengozi inishuwarenzi. Iwo musimboti ndewokudzorera zvivimbiso zvekare zvekare nekuwedzera mashoma ekuwedzera sarudzo, anoti:

• Kudzivirirwa zviri pamutemo : kana paine kupokana, mari dzemumatare dzinotakurwa neinishuwarenzi. Izvi zvinoshandawo muchiitiko chekucherechedzwa kwechikwereti kana kubhadhara muripo kana paita gakava pakati peinishuwarenzi uye mumwe mutyairi weinishuwarenzi.
• Auto rubatsiro : kana paitika tsaona, inishuwarenzi inotora kugadzirisa uye kudhonza mudhudhudhu, anogona kuenda kunobhadhara mutengo wekutenga zvikamu, mutengo wekugadzirisa nekudzorera mota.
• Kubatsira mutyairi : Kana paitika tsaona, inishuwarenzi inobhadhara kutakurwa kwemutyairi kuenda kuchipatara kana tsaona kana kurwara. Iye zvakare ane basa rekudzosera mari yekurapa uye kudzosera muviri kana paitika kufa.
• Warranty yeheti, zvipfeko uye zvekushandisa. : mune chiitiko chekuda, inshuwarisi ichabhadhara kukuvara kwakakonzerwa nengowani, zvipfeko uye zvishongedzo zvemutyairi, mukati meimwe huwandu hwakatemwa muchibvumirano.
• Kuba nemoto garandi : mune chiitiko cheimwe yezviitiko izvi, iyo inishuwarenzi inowana kuchengetedzwa kwemari mune mamwe mamiriro, sekutevedzera matanho ekudzivirira kubiwa kwemota mbiri-mavhiri, mamiriro ekunyarara kweinishuwarenzi, nezvimwe.
• Kuvhara kwenjodzi dzinongoitika dzevanhu uye dzakagadzirwa nevanhu : Kana chimwe chezviitiko ichi chikaitika, inishuwarenzi yemudhudhudhu inovhara kugadzirisa, kana zvichibvira, uye kutsiva neimwe (yakaenzana) mudhudhudhu, kana zvichidikanwa.
• Girazi kuputsa vimbiso : Kana iyo yekumberi lens yemudhudhudhu ikatyora mutsaona, iyi sarudzo inovhara mutengo wekugadzirisa girazi uye mutengo wekuitsiva kana zvichidikanwa.

Sezvo huwandu hwesarudzo hunowedzera, kwenguva pfupi mudhudhudhu inishuwarenzi iri kuramba ichiomarara. Uye zvakare, mamwe ma parameter anotenderainishuwarenzi mudhudhudhu kana paitika tsaona nemumwe munhu wechitatu Semuyenzaniso. Iyi paramende inozobvisa tsaona senge kubuda munzira munzira.

Ndeipi njodzi yekutasva mudhudhudhu pasina inishuwarenzi?

MuFrance, vatyairi vazhinji vanotyaira nemavhiri maviri vasina inishuwarenzi... Aya mamiriro anogona kutsanangurwa nemutengo wakakwira weinishuwarenzi yemaviri-mavhiri mota. Nekudaro, vamwe vanhu havangakwanise kubhadhara yavo inishuwarenzi kana vachifanira kutora mota yavo. Vamwe vatyairi vanotyaira vasina inishuwarenzi, vasingazive zvinokonzeresa ivo nevakabatwa kana paitika tsaona kana kurovera kunouraya.

Chero ani anotarisira kutiza mutemo nekukwira mudhudhudhu pasina inishuwarenzi anofanira kutakura mutoro wemhedzisiro. Kana bhasikoro rakabatwa neane chiremera mumigwagwa yeruzhinji isina mutual inishuwarenzi, iye njodzi yekuwana gore rimwe mujeri, kusanganisira mwedzi mitanhatu mutirongo... Pamusoro pekurasikirwa nerezinesi rako rekutyaira.

Zvakaipisisa, kana akazviwana abatwa nenjodzi, angave akabatwa nemhosva kana kuti kwete, mari dzaanofanira kubhadhara dzinoda muhoro wake wese uye kunyangwe zvinhu zvake zvese. Uye izvi kwenguva yakareba kwazvo, kana chiitiko chacho chakakonzera kufa kana kuremara kwepanyama kana kwepfungwa kweumwe kana vanhu vazhinji.

Vakuru mairi maviri mavhiri maishuwarenzi muFrance

Iko kune yakasarudzika yakasarudzika yemidhudhudhu inishuwarenzi pamusika, iyo inosiyana kubva kune imwe kune yavo mvumo uye vimbiso. Vamwe vaviri-mavhiri maishuwarenzi inyanzvi mundima yavo, nepo vamwe vachishanda munzvimbo inokwikwidza ine danho rekumisikidza.

. makuru maviri-mavhiri maishuwarenzi muFrance Isu tinopa ese echinyakare mudhudhudhu inishuwarenzi, inoti:

• Mutual of Bikers akagadzirwa nema bikers uye kune ma bikers kuvimbisa midhudhudhu, scooter, mota dzemumativi uye kunyangwe madhiragi.
• Motorcycle Inishuwarenzi (AMT) nyanzvi mune mudhudhudhu uye scooter inishuwarenzi.
• Assurbike inoshanda muinishuwarenzi yemidhudhudhu, scooter, 50cc midhudhudhu. Maona, ATVs, SSV Buggy.
• 4 iyo inishuwarenzi inonyanya kugadzirisa inishuwarenzi mota mbiri-dzemavhiri.
• Euro vimbiso inoshanda mumota uye mota inishuwarenzi.
• Midhudhudhu inishuwarenzi inoitwa pamwe nekubatana naDirecte Assurance.

Mukuwedzera, pane chimwe chikamu cheinishuwarenzi iyo inishuwarenzi yemudhudhudhu inongova chikamu chezvigadzirwa zvavo, izvi ndeizvi:

• Mutuelle Assurance Automobile des Institutors de France (MAIF), iyo inopa nzira ina "Initial", "Various", "Basic" uye "Plénitude", iyo inobvumidza iwe kuti ubatsirwe, kuchengetedzwa kwemotokari uye kodzero dzepamutemo kana paitika njodzi.
• General Military Provident Association (AGPM), iyo inopa huwandu hwesimbiso: njodzi dzinongoitika dzega, kubatsirwa, kudzoreredzwa, nezvimwe.
• Crédit Agricole inopa mafomura matatu: Mini, Median uye Maxi, imwe neimwe inopa dziviriro yemuviri kune vane inishuwarenzi.
• PAMUSOROI.
• Macif Inishuwarenzi.
• GMF inishuwarenzi.

Zviitiko Pakusarudza 2 Wheel Inishuwarenzi

Usati wasarudza mumwe weinishuwarenzi, pane akati wandei maitiro ekufunga. Chekutanga pane zvese, unofanirwa kusarudza zvinoenderana nezvaunoda uye kugona kwako. Naizvozvo izvi yaida kuenzanisa inishuwarenzi yemudhudhudhu zvichienderana nezvaunoda... Mudhudhudhu mutsva haugone kuve inishuwarenzi nenzira imwecheteyo, semuenzaniso, yekare.

Izvo zvakakosha kuti unzwisise kuti mutengo weinishuwarenzi unosiyana kubva kune imwe kambani kuenda kune imwe, saka unofanirwa kuziva kuti ungatamba sei pamitengo. V mhinduro yakanakisa yekutsvaga inishuwarenzi yemudhudhudhu pamutengo wakanakisa ndeyekumhanyisa mimwe mitambo yepamhepo. Ipapo zvese zvaunofanirwa kuita kuenzanisa maprimiyamu anopiwa naMutuelle des Motards, AMV, nezvimwe. Pakupedzisira, zvese zvaunofanirwa kuita kusarudza inishuwarenzi inokupa iwe zvivimbiso zvakanyanya pamutengo wakanakisa!

East zvakaoma kutaurirana mutengo weinishuwarenzi yemudhudhudhu nevane mainishuwarenzi vakadai seMutuelle des Motards. Muchokwadi, Mutuelle des Motards inoshandisa runyorwa rwemutengo wenyika kune vese vanoita zvemitemo. Nekudaro, vamwe veinishuwarenzi vanopa vatengi vavo mabhonasi akasarudzika mukuwedzera kune Inishuwarenzi Bonus. Uye zvakare, kukwidziridzwa kunogoneka kana iwe wakachengetedza inoverengeka mota ine imwecheteyo inishuwarenzi. Naizvozvo, zvingave zvinonakidza kuverengera mota yako uye mudhudhudhu munzvimbo imwechete.

Zvakare izvi zvakakosha kuti uzive zvaunoda uye zvivimbiso zvinogona kuzvigutsa... Kana mudhudhudhu wako uri mutsva kana uchangobva kuburitswa, zviri mune zvaunofarira kutora inishuwarenzi yakazara. Pane kupokana, kana mudhudhudhu wako uine mari yakaderera kukosha, hazvina musoro kutora yakazara yakazara mudhudhudhu inishuwarenzi. Mune ino kesi, yechitatu bato inovimbisa inokwana!

Nekudaro, iwe unofanirwa kubvunza kune vanoverengeka mainishuwarenzi kusarudza inokodzera mudhudhudhu mushure mekunge ruzivo rwese rwakakosha rwunganidzwa, zvinodikanwa kuitisa arbitration uye kupedzisa chibvumirano neiye akamira kunze.

Enzanisa kuti uwane yakanakisa mudhudhudhu inishuwarenzi

Kazhinji kazhinji, vatyairi vemidhudhudhu vanongoda inishuwarenzi yakanakisa pamutengo unonzwisisika. Kuti uwane inishuwarenzi yemudhudhudhu pamutengo wakanakisa, zvakakosha kuti uenzanise mainishuwarenzi akati wandei uye zvinopihwa. Ehezve, zvimwe zvinhu zvinofanirwa kutarisirwawo, senge mukurumbira weinishuwarenzi, huwandu hwemuripo kana paitika tsaona, nezvimwe. ...