Kubiza malini ukubhalisa kumshuwalense womshayeli ngaphandle kokuthola ulwazi. Kubiza malini ukubhalisa umuntu womshuwalense?

Namuhla, awusadingeki ukubhala amandla ommeli ukuze omunye umuntu akwazi ukushayela ukuthutha kwakho, ngaphandle kwakho. Kwanele ukukhombisa idatha yalowo muntu kwinqubomgomo ye-OSAGO. Kodwa kwenzeka ukuthi ngenkathi umshayeli omusha evela, inqubomgomo isivele ikhishwe. Akunandaba! Idokhumenti ingashintshwa, kodwa hhayi mahhala futhi kuncike kuzo zonke izinqubo. Kubiza malini ukubhalisa umuntu kumshuwalense, ukuthi ungakwenza kanjani kahle?

Uhlu lwamadokhumenti

Ngaphambi kokubhalisa umshayeli kumshuwalense we-OSAGO, qiniseka ukuthi wonke amadokhumenti adingekayo ayatholakala.

1. Inqubomgomo evumelekile ye-MTPL.
2. Ipasipoti kanye namalungelo elayisensi yokushayela, okudingeka afakwe emshwalense.
3. Uma umnikazi engeke abe khona ngesikhathi senqubo yokushintsha inqubomgomo, kumele alungise amandla ajwayelekile yommeli.
4. Isicelo senkampani yomshuwalense ukwenza izinguquko.

Into yokugcina iyinkinga yokuzikhethela. Ungagcwalisa isicelo ehhovisi le nkampani yomshuwalense. Ngokuqinisekile, futhi akudingeki ukuthi, ngoba isisebenzi ngokwakhe sizolungisa ifomu, kuzodingeka sisayine. Kodwa kuvunyelwe futhi ukubhala isicelo kusengaphambili ngefomu yamahhala, okokuqala funa umshwalense ukuthi yiziphi izinqubo ezigunyaziwe okufanele zifakwe kulo mbhalo.

Uma umshayeli efakwe kuhlu angeke abe khona uma kufaka igama lakhe enqubomgomo, kulungile. Kwanele ukuthi umnikazi wemoto unamaphepha omhlanganyeli omusha naye.

Inqubo yenziwa kanjani

Konke kuthatha cishe imizuzu eyishumi nesishiyagalolunye, hhayi ukubala umzila nomgwaqo ehhovisi. Ezinye izinkampani zihlela ukuhamba kommeleli womshuwalense endlini noma kwenye indawo evumelekile iklayenti.

Isisebenzi senkampani sizophendula yonke imibuzo, sibalo ukuthi kubaluleke kangakanani ukuthi ubhalise umuntu kumshuwalense ngokuqondene nawe, wenze izinguquko ku-database bese uphinde ugcine inqubomgomo. Umshayeli omusha i-ejenti angangena kumshwalense omdala. Kodwa ngokuvamile ifomu elidala lihoxiswa kumnikazi wemoto futhi limnika elisha ngokushintshanisa - nazo zonke izinguquko.

Kungakhathaliseki ukuthi idatha ingene kanjani, amarekhodi kumele aqinisekiswe ngesignesha sesisebenzi kanye nesimiso senhlangano.

Kungani inani lentengo ishintsha?

Inqubo ngokwayo ayikhokhisi lutho, kodwa izindleko zenqubomgomo ngokwalo zingashintsha uma ingozi yengozi iyanda. Isibonelo, umhlanganyeli omusha angase abe neminyaka emincane kanye nesipiliyoni sokushayela kunomnikazi wemoto. Izindleko zenqubomgomo zinqunywe yikilasi le-OSAGO umshayeli onobungozi obuningi, ngakho-ke umphathi wenkampani yomshuwalense unelungelo lokucela ukubuyiselwa kwesaphulelo sokushayela okungekho engozini, okunikezwe ngaphambilini kumnikazi wemoto.

Qinisekisa ukulondoloza irisidi yokukhokha okungeziwe! Kungadingeka uma umhlanganyeli omusha ewela engozini.

Uma "omusha" oneminyaka engaphezu kwengu-25 ubudala, uneminyaka engaphezu kwengu-amathathu yokuhlangenwe nakho kokushayela, usevele esephetha izivumelwano nge-OSAGO, ngakho-ke kungenzeka ukuthi ngeke ukhokhe imali eyengeziwe. Kubiza okungakanani ukungena kumshuwalense womsunguli - kuzomele kuchazwe kwinkampani yomshuwalense, njengoba kunzima ukubala ngokuzimela. Imiphumela yokubala okuzimele, cishe cishe, izohluka kusuka kwangempela. Noma kunjalo, singacabanga ngesibonelo sokubala, ukuze kube sobala ukuthi inani elisha lakhiwa kanjani.

Isibonelo sokubala

Isibonelo, uneminyaka engamashumi amabili nanhlanu ubudala, uphumelele (ngaphandle kwezingozi) ushayela iminyaka emihlanu. Okusho ukuthi une-8 ye-OSAGO, ehambisana ne-bonus-malus ratio (KBM) ye-0.8, ngakho-ke, isaphulelo esingu-20%. Ububanzi bominyaka / ubude (SWR) buyi-1.

Ufuna ukungeza kumshuwalense wesihlobo esineminyaka eyisishiyagalombili ubudala, osanda ukuthola amalungelo. Sizobona ukuthi kubaluleke kangakanani ukubhalela umshuwalense womshayeli ngaphandle kokuthola ulwazi.

I-VSWR yomshayeli omusha ngu-1.8, kanti i-MBM ingu-1 (isigaba esijwayelekile sesithathu esabelwe bonke abashayeli abenza okokuqala OSAGO).

Ake sicabange ukuthi ngaphandle kokubheka i-SWR ne-MSC intengo yenqubomgomo yi-ruble angu-7000. Ngakho, emva kokusebenzisa ama-coefficients akho, ukhokhele: 7000 * 0.8 * 1 = ama-ruble angu-5600.

Uma abantu abaningana babhalisiwe kumshuwalense, izindleko zibalwa ngama coefficients ezimbi kakhulu. Okungukuthi, intengo entsha kuleso simo izobekwa yi-coefficients yomhlanganyeli omusha: 7000 * 1 * 1.8 = 12600 rub rub.

Umehluko yi-ruble angu-7000. Kodwa kufanele ilungiswe isikhathi ohlela ukufaka umshayeli omusha. Uma ngabe inqubomgomo ishiywe isigamu sonyaka ngaphambi kokuphela komgomo, ngeke kudingeke ukhokhe 7000, kodwa ama-ruble angu-3500.

Bangaki abantu abangangenwa kwinqubomgomo

Ngakho-ke, kungakanani okubiza ukuthi kufane nomshwalense womuntu omusha, okuncane okuqondwayo. Manje sifunda ukuthi bangaki abashayeli abangavunyelwa ukusebenzisa umshini ngaphakathi kwomshuwalense ofanayo.

Ayikho imikhawulo, naphezu kokuthi kunezinkambu eziyisihlanu kuphela ifomu lokucacisa abantu abasha. Uma kungekho isikhala esanele, abashayeli babhalisiwe noma ngemuva kwepholisi "Amanothi akhethekile" noma eshidi elengeziwe elihlanganiswe nomshuwalense.

Kungakhathaliseki inani labantu ofuna ukuvuma esiteshini sokushayela imoto yakho, umshuwalense akanalo ilungelo lokufuna ukuba udale inqubomgomo ngaphandle kwemingcele. Enye into ukuthi uma inani labashayeli lingaphezu kwabantu abathathu, le nketho inenzuzo kakhulu.

Kungenzeka yini ukufaka umshayeli omusha ku-Hull

Yebo, ungakwazi. Kubiza okungakanani ukungeza umuntu omusha kumshwalense we-CASCO, kunzima kakhulu ukusho, kunokuba kunesimo se-OSAGO. Phela, izimali zomshuwalense wombuso zibekwa yiBenki Ephakathi, kanti neCASCO yonke into iyodwa. Kodwa isimiso sinjalo: konke kuncike esikhathini esisele senqubomgomo kanye nemingcele yomhlanganyeli omusha.

Uma uthenge i-CASCO nganoma yimaphi amasheya, izaphulelo zakho ngemuva kokwengeza umshayeli omusha kungenzeka zishiswe. Noma mhlawumbe, ngokuphambene nalokho, inkampani yakho inikeza izinzuzo uma ungena esisha.

Yini engekwenziwe?

Kubalulekile hhayi nje ukuthi wazi ukuthi kungakanani ukuzibhalela emshuwalense noma ukwengeza ohlwini lwalezi zihlobo, kodwa nokuthi ungaphuli kanjani imithetho kule nqubo. Uma kungenjalo, izindleko zokufaka umshayeli omusha kule nqubomgomo izokwandisa izikhathi eziningi.

Isibonelo, akuvumelekile ukurekhodwa ngokwakho. Lokhu kungabhekwa njengokwenziwa kwemibhalo. Ngaphezu kwalokho, kulokhu, umshayeli uzobuyisela umonakalo ngengozi ephaketheni lakhe.

Ngendlela, uma ungumnikazi wemoto, qiniseka ukuthi igama lakho libuye kuhlu. Ngezinye izikhathi umuntu onemoto akanalo iqhaza kulo mgomo, ephikisana ngokuthi lesi silinganiso singumumo nje. Kodwa kuphela ukunakekelwa kwayo kusongelwa ukuthi umnikazi wemoto kufanele akhokhe umonakalo ngokwakhe uma kwenzeka ingozi, naphezu kokuba khona kwenqubomgomo.

Uma uvumela umuntu ukuba aphathe ezokuthutha ngaphandle kokwenza ushintsho kumgomo, khona-ke usongelwa ngenhlawulo.

Manje uyazi ukuthi kuyindleko kangakanani ukwengeza kumshuwalense womshayeli omusha, ukuthi ungayenza kanjani, yini engenzeka uma ungayinaki le mfuneko. Yenza imibhalo efanele futhi uqaphele emigwaqeni!