Uri kutenga mutemo weAC? Tarisa chekutarisa - gwara

Motor hull inishuwarenzi, kusiyana neOSAGO, inshuwarisi yekuzvidira. Iyo AC policy inopa mutyairi kuchengetedza inishuwarenzi kubva pakurasikirwa kwezvinhu zvine chekuita nekukuvara kwemota panguva yekushanda. Isu tinopa zano rekutarisa pakusarudza iyi inishuwarenzi.

Poliska AC, kana Auto Casco, inoshanda zviri nyore. Kunyangwe iwe uri iwe wakakonzera kudhumhana, inshuwarisi ichabhadhara kugadziriswa kwemotokari yakakuvadzwa. Sechikamu che AC, kambani yeinishuwarenzi ichabhadhara mari yekubvisa kukanganisa, kusanganisira apo muparidzi asingazivikanwi. Sezvinowanzoitika pakubira, kukwenya kwependi munzvimbo yekupaka kana mapundu madiki pamberi pezvitoro zvikuru. Mutauri anodzivirirawo kubva kuzviitiko zvetsaona - moto, kuputika kwemotokari kana zvinhu - chimvuramabwe, kukuvadzwa kwemotokari nemuti wakadonha. Muchidimbu, AC zvakare mutemo werunyararo rwepfungwa. Haisi nyaya yekugamuchira muripo chete, asiwo kunyaradzwa kwepfungwa kwekutyaira kwezuva nezuva.

Kuwanda kweAS insurance

Akasiyana-siyana Auto Casco marongero anowanikwa pamusika, senge mikwende uye inishuwarenzi yepahwindo, chete nekuba, kana kukuvara kwemotokari chete. Naizvozvo, mutyairi anofanira kuziva zvaanoda pakusarudza bumbiro. Nyanzvi dzinoyeuchidza kuti ivhu remutemo, ndiko kuti, kukanganisa kwainodzivirira, kunonyanya kukosha kupfuura mutengo wayo.

Vapepeti vanokurudzira:

Mabhatani evafambi anonyangarika kubva pamharadzano?

Izvi ndizvo zvaunofanira kuziva kana uchitenga AC policy

Inoshandiswa roadster nemutengo unonzwisisika

Makambani einishuwarenzi anowanzo tengesa AS mapakeji - achiapa pamwe neinosungirwa yechitatu-bato redhiyo inishuwarenzi uye - zvishoma zvishoma kazhinji - yekuwedzera inishuwarenzi yetsaona - dziviriro pamhedzisiro yetsaona. Kunyange zvazvo inishuwarenzi yemhosva yechitatu inodzivirira pamigumisiro yehurumende yengozi inokonzerwa neinishuwarenzi, inishuwarenzi yetsaona inovhara migumisiro isingachinjiki yetsaona, sekufa kweinishuwarenzi panguva yerwendo rwemotokari. Vese vafambi, kureva mutyairi nevafambi, vane inishuwarenzi. Kubatsira zvakare chinhu chepasuru, i.e. mugwagwa rubatsiro, kukweva motokari kuti basa nzvimbo, dzimwe nguva uyewo Rental dzimba - kana kuputsika kana tsaona yakaitika kure nenzvimbo yokugara policyholder - uye yokutsiva motokari.

Inishuwarenzi yeAC inogona kusiyana maererano nemhosva. Pamusika, unogona kutenga, semuenzaniso, inishuwarenzi inongodzivirira kubva pakuba kana kukuvadzwa kwakabatana nekukuvara kwemotokari. Ndeipi sarudzo yeinishuwarenzi iri nani - zvese zvinoenderana nezvinodiwa nemunhu mutyairi.

AC Inishuwarenzi Discounts uye Kuwedzera

Kambani yega yega ine yayo yemitengo mutemo, uye nekudaro inoona kuti ndezvipi zvidzikiso uye macharge evatengi vemotokari yemotokari zvinoenderana. Kune mamwe makambani, kugadzirwa uye modhi yemota ichave chinhu chakakosha kupesvedzera kubhadharisa - nekuda kwekusiyana kukuru mumutengo wekugadzirisa mota dzega - uye kune vamwe, murume kana mukadzi uye zera remutyairi. Mukuwedzera, mutengo wepurogiramu unokonzerwa ne: mari yemotokari (iyo inokosha premium AC inotarwa sechikamu chekukosha kwemotokari), mukurumbira muhuwandu hwekuba uye gore rekugadzira. Chimwezve chinhu zvakare inzvimbo yekugara yemuridzi wemotokari.

Kunze kune indemnity, sum insured

Usati wasaina chibvumirano, zvakakosha kutarisa mari yakavharwa neinishuwarenzi uye rondedzero yekusabatanidzwa kubva kune mutoro weinishuwarenzi. Rondedzero iyi inotsanangura mamiriro ezvinhu umo inshurensi isingazokubhadharire muripo. Saka unofanira kuverenga zvakanyanya. Rondedzero yezvisizvo inosanganisira, pakati pezvimwe zvinhu, hurongwa hwekuti inishuwarenzi haabhadhare muripo kune AS kana kukanganisa kwakakonzerwa nemaune kana pakudhakwa nedoro kana zvinodhaka, kana mutyairi, anga asina rezinesi rekutyaira, akatiza. chiitiko. Kana pakabiwa mota, muridzi anofanirwa kuunza seti yemakiyi, maalarm remote, chitupa chekunyoresa, invoice kana magwaro ekubvisa tsika kuitira kuti awane muripo. Muchidimbu, hapana zera rezera remota, kana yasvika iyo inshuwarisi inoramba AC inishuwarenzi. Chete mutengo chaiwo wemotokari, wakatemwa maererano nematafura ekushandura, yakakosha. Naizvozvo, hazvigoneke kuisa inishuwarenzi, semuenzaniso, Golf II yemirioni zlotys kuitira kuti ugamuchire muripo wakakura kana paine hutsotsi hwekuba.

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Chenjera mano

Iyo inshurensi ichaita zvese zvinogoneka kuderedza kuwanda kwemubhadharo zvakanyanya sezvinobvira. Usati wapedzisa mutemo, zvakakosha kutarisa kana kuwandisa kwave kwakasimbiswa, i.e. yakawanda sei iyo inshurensi icharega kubva kune chero kubhadharwa. Iwe unofanirwawo kuziva kana kambani yeinishuwarenzi ichavhara 100 muzana. mutengo wezvitsva, zvepakutanga zvakasara, kunyangwe mota ine inishuwarenzi yasakara. Makambani anoshandisa zvikumbaridzo zvakasiyana pano, saka unogona kudzivirira kuodzwa mwoyo kwakashata kwekubhadhara muripo nekutenga yako mugove.

Maitiro ekufananidza Akasiyana Auto Casco Policies:

Chenjerera kune:

* sum insured, iyo inofanirwa kuona kukosha kwazvino pamusika wemota

* mvumo iyo inogona kupihwa nekuda kwesemuenzaniso kukuvara kwekutyaira (kusvika 240%), zera remotokari (kusvika 50%)

* zvidzikiso zvinogona kupihwa, semuenzaniso, zvekutyaira pasina tsaona (kusvika 60%)

* mamwe marongero mukambani iyi yeinishuwarenzi (kusvika ku50% kuderedzwa)

* nzvimbo yekugara (kusvika 40%)

* Optional anti-kuba kuchengetedzwa matanho (kusvika gumi muzana kubva)

* mugove wega, i.e. chikamu chikamu cheinishuwarenzi mukurasikirwa (mushure mekubhadhara kweprimiyamu, mamiriro aya anogona kubviswa)

* kuderera, i.e. yakakura motokari, zvikuru, kubva pa10 kusvika ku50 muzana, inobviswa pamuripo wakabhadharwa. Mushure mekubhadhara, muripo unogona kubhadharwa muhuwandu hwe100%. muripo.

Rangarira kuti pakusarudza AC, saizi yeprimiyamu haigone kuve iyo yega chiyero.