Inishuwarenzi yemotokari yakachipa inogara iri yakanakisa here?

Sei Inishuwarenzi Yemhosva Ichinyanya Kukosha?

Chokutanga pane zvose, chinangwa chikuru cheinishuwarenzi yemhosva ndeyekudzivirira vamwe vashandisi vemugwagwa - vanogona kukuvadzwa nenjodzi dzemumugwagwa. Semunhu ane porisi, hatife takawana muripo kubva kwaari. Inishuwarenzi yemhosva inofanirwa kuparadzaniswa zvakajeka kubva kune mamwe marudzi einishuwarenzi.

Chechipiri, zvisinei nemutengo weiyo OSAGO mutemo, inishuwarenzi yega yega ine mamiriro akafanana eiyo yakanyanya kuvimbiswa huwandu. Izvi zvinodzorwa neMutemo wa22 Chivabvu 2003 paCompulsory Inishuwarenzi, Guarantee Inishuwarenzi Fund nePolish Motor Insurance' Bureau. Kubva 2019, mari inopihwa inishuwarenzi iEUR 5 yekukuvara kwemuviri uye EUR 210 yekukuvadzwa kwepfuma.

Chechitatu, inishuwarenzi yemhosva yechitatu inosungirwa pamotokari yega yega yakanyoreswa, kunyangwe isati yashandiswa kwemwedzi yakati wandei (kunze kwemota dzekare). Uye iyi ndiyo yega nharo ine musoro mukufarira kutenga iyo yakachipa OS.

Chechina, kudiwa kwekuvapo kwayo kunotevera kubva pamitemo, uye kusavapo kwayo kunobatanidzwa nekurangwa kwakanyanya. Kune varidzi vemotokari, huwandu hwefaindi hunogona kuvhundutsa kupihwa mutengo weOC. Kuratidza chikonzero nei usingazononoke kutenga polisi, heino huwandu hwemafaindi anoshanda:

• kunonoka kusvika kumazuva matatu - faindi ye3 euros
• kunonoka kubva ku4 kusvika kumazuva gumi nemana - faindi ye14 euros
• kunonoka kwemazuva anopfuura gumi nemana - faindi ye14 euros

Naizvozvo, zvakakosha kuti tiyeuke pachine nguva nezve mhedziso kana kuwedzera kwegwaro rinoshanda, sezvo cheki yemapurisa iri nyore inogona kuve chiitiko chinodhura zvakanyanya kwatiri.

Kazhinji kazhinji, nokuda kwemari shomanene, tinogona kuita musengwa wapamutemo, kudzivirira fariro dzavangave vanyajambwa, uye kukwanisa kukwereta motokari kumudiwa tisingatyi. Iyo yakatengwa mutemo inoshanda kumota uye inodzivirira vese vatyairi nevatyairi.

Sezvineiwo, wechitatu bato mutoro inishuwarenzi ndicho chete chinhu chatinofanira kutenga. Zvisinei, kune mamwe marudzi einishuwarenzi anobatsira mukushandiswa kwezuva nezuva kwemotokari yakakodzera kuva nayo. Kwemakore akawanda, inishuwarenzi inoperekedza yave iripo pamusika, iyo, kune rumwe rutivi, inodzivirira hupenyu hwedu, hutano nemotokari, uye kune rumwe rutivi, inobatsira zvakanyanya mumamiriro etsaona akadai sekuputsika.

Inishuwarenzi AC kureva. Auto insurance

Iyi ndiyo yekutanga yemainishuwarenzi ekuwedzera ayo anowanzo kuperekedza wechitatu bato reinishuwarenzi. Kuvapo kwayo kunotipa muripo kana mutengo wekugadzirisa muchiitiko che:

• kutora chikamu mukudhumhana nekuda kwekukanganisa kwedu kana kusakwanisa kuwana ane mhosva,
• kuba mota,
• kukuvadzwa kwemotokari, semuenzaniso kubva mafashama, kupwanywa nemuti, nezvimwe.

Kubva pane zviitiko zviri pamusoro apa, munhu anogona kufungidzira kuti ndezvipi kurasikirwa kwemari kwatingazoratidzwa kune imwe yemamiriro ezvinhu ari pamusoro apa yakaitika. AC policy inoitika:

• mupakeji ine OS yekubhadhara diki,
• sekudzivirirwa kwakazara kwechiitiko sechigadzirwa chakasiyana chatinofanira kubhadhara zvakanyanya kupfuura kana takatenga OC/AC package.

Mune iyo TU inopa, inishuwarenzi yemotokari inosiyana muhuwandu hwekuvharirwa, huwandu hwezvinobvira zvirevo uye mutengo wepolicy. Isu tinogona, semuenzaniso, kusarudza hull yemotokari inozotidzivirira chete muchiitiko chekubiwa kwemotokari.

Sezvinowanzoitika, mari yeinishuwarenzi inowanzoongororwa chete mushure mekunge kukuvara kwatoitwa. Chinhu chimwe ndechechokwadi, kubhadhara AC kunobhadhara kakawanda pamusoro penyaya ye, semuenzaniso, cullet, mari yekugadzirisa iyo inowanzo muzviuru zvezlotys, uye munyaya yemotokari dzinodhura kunyange makumi emadhora. zviuru.

NNW, kureva. inishuwarenzi yetsaona

Uyu ndiwo mumwe mutemo wakakosha se AC. Basa rayo ndere kuchengetedza hutano nehupenyu hwedu nevatakuri vedu.

Kana pakaitika tsaona, tine kodzero yekuripwa pamitengo yekurapwa kana kufa nemari yakataurwa muchibvumirano cheinishuwarenzi yetsaona. Zvechokwadi, iyo yakakwirira yakawanda, zviri nani.

Batsira, i.e. rubatsiro munguva dzenjodzi

Rubatsiro inshuwarisi ichatibatsira kuti tibude mumamiriro ezvinhu akadai semotokari inoputika mumugwagwa, kudzivirira kuwedzera kufamba, kuzviviga muchando, mumatope, nezvimwewo. Kazhinji kazhinji inoganhurirwa zvikuru. Muchiitiko chezvinetso muguta, hazvina basa, asi kana chiitiko chekuputsika pane imwe nzira, inshurensi inogona kuramba kutidhonza.

Inishuwarenzi yehwindo

Chero ani zvake akambowana mukana wekutsiva girazi rakaputsika anoziva kuti basa iri rinodhura sei. Kusiyana nechitarisiko, hazvisi zvakaoma kuiputsa, semuenzaniso, semugumisiro wematombo ematombo mumugwagwa. Nemutemo wakakodzera, hatidi

Third Party Liability Inishuwarenzi haizotipa dziviriro yakazara

Isu tatoziva kuti ndeapi marudzi einishuwarenzi uye nei uchifanira kuashandisa. Panguva imwecheteyo, iwe unofanirwa kunyatsoziva kuti yechitatu bato redhiyo inishuwarenzi chete haizokupa iwe dziviriro yakanakisa. inonzi OC policy addenda, i.e. mini air conditioners kazhinji ane shoma shoma yekudzivirira. Iyo yakachipa OS inobata basa rechirauro, iyo inofanirwa kufarira mutengi mukupihwa kweishuwarenzi iyi. Saka, iyi imhando yekutanga yekutenga mamwe marongero, uye, semhedzisiro, kutengwa kwepasuru yakakwana iyo ichatipa kuchengetedzwa kwakazara mune angangoita ese mamiriro. Hazvisi zvakakosha kuchengetedza painishuwarenzi chero ipi zvayo, nokuti mari yaro inenge yekufananidzira, zvichipiwa mari inogona kugadziriswa, kurasikirwa kwemotokari, kusingarevi mari yekurapa.

Ndekupi kwekutsvaga akanakisa auto inishuwarenzi madhiri?

Chinhu chakanakisisa ndechekuenzanisa vazhinji vavo. Mukana wakadaro wakanakira kuenzanisa akati wandei ma inshuwarisi munzvimbo imwechete unopihwa neiyo saiti yekufananidza Punkta.pl. Iyo calculator inowanikwa ipapo inokubvumira kuti uverenge zvakavimbika mutengo weinishuwarenzi, uchifunga nezvakawanda zvinhu. Iwe unogona kusarudza kuchengetedzwa kwakazara kana chete OC.