Umshwalense yokuzithandela

Umshuwalense nobuhlobo obukhethekile phakathi umshwalense kanye kwesamba, esekelwe inkontileka ukuvikela izintshisekelo bobabili ngabanye ezizimele nezinhlangano ngesikhathi ukuqala nezenzakalo ezithile eziqondile. Uma lokhu sekwenziwe ukuvikelwa kunezinto ezibonakalayo. Inkontileka umshwalense kusala idokhumenti esiqinisekisa ukuthengiswa umkhiqizo umshwalense, futhi senziwa ngesimo inqubomgomo.

Ngokucacile imikhiqizo umshwalense itholakala lokuthi ukuthi iminikelo eyenziwa kwesamba uhlale kancane kakhulu kunalokho isamba oVikelwe (inani okuyinto esikalini izithakazelo impahla nokuthi umshwalense sithembisa ukukhokhela phezu okuvela izimo umshwalense ebekiwe izivumelwano zomshuwalense). Ngakho-ke, ukukhanga emakethe imikhiqizo umshwalense inikeza ngokuqondile ubuhlobo obunjalo.

Umshwalense has ngezigaba lalo. Ngokuhambisana ifomu ukuhileleka ubudlelwane umshwalense ababonakali ngezikhundla:

- umshwalense ayimpoqo, kwenziwe ngokuhambisana nomthetho;

- umshwalense yokuzithandela.

umshwalense zokuzithandela kusho yokuzithandela isiphelo sesimiso inkontileka yomshuwalense. imithetho Umshuwalense imikhiqizo efana umshwalense akhiwa ngomshuwalense. izimo ezithile okufanele ilungiselelo kunqunywa ngamunye ngokuhambisana nezifiso ngayinye oVikelwe ngamunye.

umshwalense zokuzithandela anganikeza isivikelo kunezinto ezibonakalayo muntu sphere ezihlukahlukene zokuphila. Ake sihlole ezinye zazo.

umshwalense zokuzithandela imoto inkampani yangaphandle isithiyo. Lolu hlobo lwe-umshwalense wenziwa kanye umshwalense ayimpoqo - MTPL futhi noma kunjalo hhayi ukulishintsha. Isidingo umshwalense enjalo yokuzithandela ngenxa yokuthi ukuthi CTP ngokuvamile awubhekene ukulahlekelwa langempela uma kuza umcimbi insured. MTPL isibopho sezomthetho komkhawulo yensimbi 120 000 kuphela, futhi ukuba abe yizisulu - ruble ayizigidi eziyi-160. Zokuzithandela umshwalense (DSAGO) motor isibopho sezomthetho senzelwe ukunweba umkhawulo of icala, eduze ngangokunokwenzeka inani izinkokhelo izindleko zangempela, njengoba ukwandisa avtograzhdanki lingafika 3 mln. Ruble. Lokhu kuwusizo uma kuqhathaniswa CTP okuthuthukiswa iqiniso lokuthi umshwalense premium ku DSAGO aphansi.

Zokuzithandela umshwalense ingozi ekungizo akuvikele futhi obathandayo kusukela lezimanga ezingemnandi, iyafana sokugula, ukukhubazeka, ukulimala nokufa. A isici esihle esimweni esingajabulisi hhayi Izindleko eziphezulu zokuthola izidingo inqubomgomo (inkontileka umshwalense), ngisho ne-iphakethe egcwele izingozi. Ngamunye pholisi umuntu ekhetha yena izingozi ukuthi, ngokombono wakhe, efanele kunayo. Ngaphansi kwalolu hlelo kungenzeka futhi kubalulekile ukuthathelwa umshuwalense izingane, ngoba kuyizinto Lesi sifo siphatha kakhulu unyaka enjalo emangalisayo ngayo ezimweni ezihlukahlukene okukhulu ngenxa yomsebenzi walo omkhulu futhi ilukuluku. Zokuzithandela umshwalense ingozi kuzokuvumela ukuhlala ngizimele ngokwezimali noma ngabe umcimbi insured senzeke, ngoba inkampani yomshuwalense ubophekile ukuba akhokhe zonke izindleko yokuphathwa ezidingekayo kanye nokuvuselelwa, uma umcimbi umcimbi kwesamba, okuyinto olunikezwa lolu hlobo Ukuvikelwa umshwalense.

umshwalense zokuzithandela kungaba abantu nje kuphela kodwa futhi izinhlangano ezingokomthetho kuzoqinisekisa ukuvikelwa kwabasebenzi yakho. Kodwa kuyafaneleka ukuthi umshwalense yokuzithandela kungakhathaliseki owenza lo umshwalense, nakanjani esivuna kwakuzoba umuntu oyedwa: amalungu omndeni noma abasebenzi kwenhlangano.