Zvinoita marii kuisa inishuwarenzi yemotokari pasi peCASCO, OSAGO, DSAGO
Kushanda kwemashini

Zvinoita marii kuisa inishuwarenzi yemotokari pasi peCASCO, OSAGO, DSAGO

27.06.2022 /

Kune marudzi akawanda einishuwarenzi yemotokari muRussia. Muridzi wemota chero ipi neipi yakanyoreswa muRussia anofanirwa kuita inshuwarisi mhosva yake yehurumende. Zvinorambidzwa kushanda motokari pasina OSAGO mutemo. Imarii iyo OSAGO mutemo inodhura?

Mutengo weOSAGO wakafanana muRussia yese. Mutengo wepakati ndeye 1980 rubles pagore. Nekudaro, inogona kusiyanisa zvakanyanya kumusoro zvichienderana nehuwandu hwezvinhu:

  • rudzi rwemotokari uye injini simba;
  • nharaunda yekunyoresa;
  • zera remutyairi, magariro evanhu;
  • ruzivo rwekutyaira, nhamba yezviitiko zveinishuwarenzi munguva yakapfuura uye nhamba yekutyorwa kwemigwagwa.

Zvinoita marii kuisa inishuwarenzi yemotokari pasi peCASCO, OSAGO, DSAGO

Chimwe nechimwe chezvinhu izvi chine coefficient yayo, nekungowedzera chiyero chepasi uye coefficients, unogona kuwana mutengo wepagore weiyo OSAGO mutemo. Semuenzaniso, muridzi weFord Focus, anogara muMoscow, uyo asina kumbobvira aita tsaona, achabhadhara anenge 4700-4800 rubles pagore kweOSAGO.

Iyo yakawanda mari yekubhadhara pasi peOSAGO ndeye 240 zviuru zveRubles, izvo zviuru zana nemakumi maviri zvinoenda kumuripo wekukuvadza kune hutano. Kudzidzira kunoratidza kuti zviuru zve120 zvishoma kana iwe wakakonzera kukanganisa kumotokari yekunze inodhura, saka mukana weinishuwarenzi yekuzvidira inopiwa - "DSAGO". Mutengo wemutemo weDSAGO unoenderana nehuwandu hwekubhadhara inishuwarenzi - kubva ku120 zviuru (300 rubles) kusvika ku500 miriyoni rubles (3 rubles).

Mukuwedzera kune OSAGO neDSAGO, chigadzirwa cheinishuwarenzi chakakurumbira iCASCO inshuwarisi, iyo inobhadhara kukanganisa kwakakonzerwa nemotokari yako, pasinei nokuti ndiani ane mhosva. Kuverenga mari yeCASCO mutemo kunonyanya kuoma, sezvo imwe neimwe kambani yeinishuwarenzi inopa mamiriro ayo uye mutengo weinishuwarenzi yemotokari imwe chete inogona kusiyana zvikuru - kubva pamanomwe kusvika ku20 muzana yemutengo wemotokari, muMoscow paavhareji - 12 %.

Zvinoita marii kuisa inishuwarenzi yemotokari pasi peCASCO, OSAGO, DSAGO

Kana tikataura pamusoro peiyo yakakurumbira Ford Focus modhi ye2010, iyo ikozvino inodhura kubva ku400 kusvika ku500 zviuru rubles, saka isu tichafanirwa kubhadhara kubva ku28 zviuru kusvika 80 zviuru zveCASCO. Makambani mazhinji anopa sarudzo dzakareruka dzeCASCO - inishuwarenzi pane dzimwe njodzi, uye mutengo wepolicy unogona kubhadharwa muzvikamu.

Pasinei nokuti "CASCO" inopedzwa kwegore uye inodhura, inishuwarenzi iyi inonyanya kufarirwa. Zvakakwana kungoverenga zvishoma kuti kugadzirisa kwakakomba sei mushure metsaona ichakudhura, uye iwe uchanzwisisa kuti zviri nani kubhadhara zvakafanana 40 zviuru pane kutsvaga mari yakawanda kakawanda gare gare.




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