Isithakazelo Insurable e umshwalense

Ngoba noma yisiphi isivumelwano ezidingekayo imiphumela yokugcina yesivumelwano ukwanelisa bonke abathintekayo. isithakazelo Insurable yiso ukuze kuzuzwe ebucayini edingekayo. Umuntu kwesamba nje uyaqonda ukuthi uma kwenzeka kuphakama isimo esiphuthumayo ngomshuwalense liyadingeka ukukhokha isinxephezelo zezimali bavumelana. Kangakanani intshisekelo insurable e umshwalense nokuthi elikushoyo umthetho?

Incazelo yokuqala isithakazelo insurable

Incazelo eyeza nezazi zezinkanyezi zokuqala kuzintshisekelo umshwalense zenzakalo ezakhiwa eNgilandi. Ngakho, uMahluleli Lawrence enquma ukuthi kukhona isithakazelo insurable, uma kunezimo exhunywe ngendaba isithakazelo, okungaba ukushintsha into noma impahla yayo. Umshwalense yakhelwe ukunciphisa umonakalo odalwe izimo, futhi unikeze olimele umuntu isinxephezelo. Ngakho, uma azikho izimo ezingase zithinte izici into oVikelwe, bese ayikho inzuzo insurable.

Imfundiso classical komthetho umshwalense

Vele lo mqondo uvezwe imfundiso classical komthetho umshwalense, futhi kungokwalabo Economist owaziwa Ehrenberg. Ubiza i insurable isithakazelo ebuhlotsheni oxhumene esenziwa lapho umuntu exhunyiwe kungase balahlekelwa impahla. Zikhona nezinye izincazelo, kodwa ngokuvamile, baveza umqondo ofanayo: akukho inkontileka umshwalense, uma kukhona isithakazelo isivumelwano esinjalo. Siphetha ngokuthi isithakazelo izinkampani umshwalense iwukuba i icala umshwalense maqondana izinzuzo kwesamba akuveli. Ngoba umuntu kwesamba, lokhu isithakazelo akuyona evelele kangaka, futhi simi ngale ndlela:

• uma kwenzeka umcimbi insured, ke uzokhokhelwa isinxephezelo;
• uma umcimbi insured ingekho, uzoqhubeka ube lokhu noma lokhuya ezinhle.

Okushiwo isithakazelo insurable

Umthetho umshwalense enwetshiwe incazelo elandelayo isithakazelo insurable:

• Yena ubeka isimiso sokuvikeleka zezimali ngokumelene izimo ezingalindelekile.
• Inquma zonke izakhi ezibalulekile i isibopho sezomthetho umshwalense. Phakathi kwabo - yena into yomshuwalense, Ukwakheka kuncike, ukusebenza kanye nomthwalo wemfanelo amaqembu.

Ngu okungenhla, kufanele wanezela ukuthi yilapho intshisekelo insurable inquma lemali isinxephezelo lapho umnikazi Inqubomgomo bangathembela.

Isebenza kanjani?

Ukuvikela izithakazelo umshuwalense ukuze sivale lapho sisilela izingozi ukwaziswa okungase ukubhekana into umshwalense, ngemva kwalokho izici zayo ukushintsha. Ngokwesibonelo, umshwalense imoto CASCO inkampani yomshuwalense ubophekile nxephezela umonakalo kuzona imoto ngenxa esiphuthumayo, inhlekelele, traffic yengozi, ukweba noma ukubhujiswa. Nasi isithakazelo insurable, eqinisweni, imoto: ephephile yayo futhi uzwakale nesithakazelo kokubili abahlanganyeli kuthengiselana - futhi umnikazi imoto futhi inkampani yomshuwalense. Ngokumelene nabo kudlalwa izimo. Uma izimo musa ukushintsha izici imoto kosuku lokugcina kwenqubomgomo, izinhlangothi ezimbili uphefumule lula. Kodwa uma imoto eyebiwe noma ubhujiswe, ke yomshuwalense izovikela izithakazelo yomnikazi imoto, ngokwezimali nxephezela kuye ukufelwa imoto.

Izinkampani zomshuwalense lamasela

Ngeshwa, hhayi njalo izithakazelo kubanikazi izinkampani zomshuwalense uyavumelana ngokuthi isiphi isigaba sayo ngemvume inqubomgomo. Ezimweni eziningi ukukhwabanisa umshwalense ophoqelelwe izinkampani zomshuwalense ukufuna ezinye izinketho for beqhuba imisebenzi yayo. Ngokwesibonelo, nehlazo yamuva ne izinkampani zomshuwalense mayelana yokwenqaba ukuthengisa nomshuwalense CTP kwabangelwa izenzo avtoyuristov, owasebenza nabakhwabanisi. Ukuhlela inkohliso ingozi, basuke akhishwa ngokusebenzisa izinkantolo imali engaka kusukela izinkampani zomshuwalense ukuthi ngisho wayeka umsebenzi ezingxenyeni ezithile Russia. Kwathatha uchungechunge federal-level zokunciphisa ukulahlekelwa kuzona izinkampani zomshuwalense. Ngakho-ke akumangalisi ukuthi izinkampani zomshuwalense sizame konke okusemandleni abo ukuvikela izithakazelo zabo kanye le njongo, zonke izindlela kuvunyelwe.

izinkampani zomshuwalense namaqhinga

Ukuvula enkampanini yomshuwalense (IC) ukukhokhwa zomthetho, inqubomgomo isibambo avame ukubhekana zomthetho izinkampani eziningi umshwalense namasu. Ikesi zakudala engalungile (uma sikubeka kahle) ukuziphatha abameleli UK kwakuyilawa:

• Nikezela ngemvume inkokhelo kwemvume ngaphandle luhlolo. Njengoba base bethole 1/10 of imali eceliwe, isisulu usiwa ekhotho lapho kuboniswa ngemvume yakhe. Ekucubunguleni kunjalo, inkantolo ngokufanele ehluleka.
• Ukunikeza izohlola impahla kulimale ochwepheshe UK. Njengomthetho, "bayengelwa" ochwepheshe uyobanika kakhulu phansi inani umonakalo. Ngokungena ngemvume isitifiketi luhlolo, isisulu evuma ngokuzenzakalela isamba ngalelo nani eliwubala labelwe yinkampani yomshuwalense. INkantolo kuyodingeka siyeke ukwaneliseka isimangalo, njengoba ngaphambilini wavumelana isisulu ngaphambi isikhwama umonakalo. Ube eseqinisekisa wakhe isignesha kwemvume.
• Isisulu kule ngozi "ngephutha" kuthathwe isaziso yokuqala yale ngozi ngaphandle kokwenza ikhophi. Lasekuqaleni elahlekile, futhi isisulu ayikwazi ukuthola isinxephezelo ngenxa yokuntuleka kwale dokhumenti.
• Kokukhipha isitatimende ngozi, isisulu wayelindele nokukhokhwa kwezinyanga ezimbalwa. Phakathi nalesi sikhathi, walungisa i-imoto. Inkokhelo sinqatshiwe, ngoba abameleli UK bathole ibhaxa isicelo isinxephezelo uyimbudane. Izithombe kusuka endaweni adventure komgwaqo, izimoto ezilimele nesaziso yengozi ngesikhathi umnikazi imoto engahlali.
• Ngaphansi kwalesi sikebhe, ngomshuwalense akusho isinxephezelo nokulahlekelwa amasondo, inqobo nje uma ezinye izingxenye imoto azilimele. Uma iklayenti akusho ukumemezela ngokubhalela amaphoyisa futhi inkampani yomshuwalense ukuthi imoto yakhe alimala, ukukhokhela Hull uzobe kunqatshelwe.

Indlela ukuvikela izithakazelo zabo

Lena kuphela ingxenye encane tricks ngawo ukubhekana izisulu lapho ebhekisela ezinhlekeleleni inkampani yomshuwalense. Uma uqiniseka ukuthi uzokwazi avikele amalungelo abo, futhi abazimisele ukuchitha isikhathi nemali - empini ngesibindi. Zonke ezinye sinconywa ukuba sifune usizo ifemu yomthetho futhi umfanekiso wanoma izithakazelo ophathwa umshwalense ochwepheshe.

Abameli futhi izinkampani zomshuwalense

Sekuyisikhathi eside Ukumela izithakazelo inkampani yomshuwalense babe okwakuvela ohlotsheni olukhethekile lwenkanyezi ibhizinisi. Njengomthetho, isisulu ingadlali iyiphi indima - nabalingisi eziyinhloko abamele isisulu (avtoyuristy) namanxusa ngomshuwalense sika. Ukumela izithakazelo izinkampani zomshuwalense - lunye amahhovisi eziningi zomthetho. Womabili amaqembu kahle ukuqonda umthetho yomshuwalense kanye bayakwazi ukulwa ngemibandela alinganayo enkantolo.

Abameli bayakwazi ukufeza izinyathelo ezifanele zenqubo ukuhlela kokuxilongwa ezimele bavikele inzalo zomshuwalense womnikazi imoto enkantolo. Izindleko Imisebenzi eprofetjhinali ngokugcwele inxeshezelwa imali otsuzhennye inkampani yomshuwalense. Lokho abameli wathatha ngokuziphatha kunjalo, kufanele ukhiphe amandla ommeli. Izithakazelo inkampani yomshuwalense ukuzivikela, kahle, isisulu kufanele aqiniseke ukuthi ngosizo ummeli, yena luyadingeka ukwamukela imali ekweletwa kuye.