Umshwalense ngaphandle komkhawulo: ikhambi ekahle abanikazi imoto

Abashayeli abaningi banesithakazelo umbuzo uyini umshwalense angenamkhawulo. Kuyinto lolu hlobo Inqubomgomo lapho isebenze umshini can umnikazi waso hhayi kuphela, kodwa futhi ukuze besithathu. Umshwalense ngaphandle komkhawulo inikeza ithuba eliyingqayizivele - esingenamkhawulo ukuthi abantu kungaba beshayela imoto. Kalula nje, uma umndeni has imoto eyodwa, esetshenziswa abantu eziningana, uma kwenzeka kuphakama isimo esiphuthumayo, ungahlala ukubala isinxephezelo umonakalo, ngisho noma ngesikhathi kwenzeka ingozi ngemuva kwesondo kwakungelona umnikazi langempela imoto. Konke lokhu kwenza le ndlela sokuvikela bemthanda izinhlangano ezahlukene, lapho abasebenzi abashayeli omkhulu, nezimoto ezingekho kangaka.

inqubomgomo enjalo ichaza bha yemfanelo - degree of iphutha ingozi umhlanganyeli. On inani izinkokhelo ngenxa umcimbi insured ke akunamthelela Yiqiniso, uma yonke imibhalo lufrenyiwe kahle. Into ebaluleke kakhulu - ukuze uhlole ukuthi amaphoyisa omgwaqo ukuba ugcwalise protocol: konke okukuwo Kumelwe kuvumelane nalokho okwembulwa watshelwa kubahlanganyeli ingozi, futhi ofakazi.

Amahlebezi mayelana umshwalense ngaphandle kwemingcele

Ngokuvamile, uyakwazi ukuzwa nemibono engqubuzanayo mayelana nale nqubomgomo. Abanye baphikisa ngokuthi umuntu oVikelwe ngeke zilimale amaningi, uma umshayeli ingena engozini by iphutha lakhe siqu. Lena akuyona ngakho - ukwazi ngempela kwenta yonkhe izindleko umshuwalense. Umbuzo ka ukuthi kubiza malini yomshuwalense ngaphandle kwemingcele, zithandwa kakhulu. Ngokuvamile, izindleko ngenhla eyodwa nengxenye noma ngisho izikhathi ezimbili uma kuqhathaniswa nakho esiku amanani yomshuwalense. Konke kuncike inkampani ethile. Ngokuvamile, le ndlela iyasiza kwasekuqaleni ukuze umshayeli akanalo sokukhathazeka waphinda mayelana ubani imoto is insured futhi abangakwazi uthole beshayela. Ngakho ukuthi ngokweqile ulungisiswa.

Amaqiniso mayelana umshwalense elinganiselwe

inqubomgomo Limited ongavikela kumuntu oyedwa nje. Nokushayela imoto ingase ibe umnikazi we imoto kuphela. Uma imoto has abanikazi eziningana, umshwalense elinganiselwe ikhishwa ngamunye wabo. Akubuzwa ukuthi umshwalense ngaphandle kwemingcele kunenzuzo kakhulu kulesi simo?

Izinzuzo umshwalense angenamkhawulo

Uma ukuthenga inqubomgomo ezimvunayo zisobala:

• imoto ingaqalisa yini abantu (akukho inhlawulo ungekho);
• uma ugcwalisa imibhalo ingozi incane;
• MTPL umshwalense ngaphandle kwemingcele kusikisela ukuthi ngeke kudingeke ukuba ukhokhe lutho uma kwenzeka ingozi umnikazi we imoto;
• uma udinga ukufaka kwinqubomgomo umshayeli ongenalwazi (obuphelele esingaphansi kwezinyanga 36, ubudala eminyakeni engaphansi kwengu-22 ubudala) angenamkhawulo umshwalense inketho - okungcono.

Uma umsebenzi idlula igunya

Njalo, kodwa namanje zikhona izimo lapho amaphoyisa omgwaqo ufuna bakopele abashayeli ukuthi babe umshwalense ngaphandle kwemingcele. Ukuze wenze lokhu, babhekisela yokuthi inqubomgomo akuyona amagama aqondile banelungelo ukulawula umshini. Yiqiniso, lokhu akulungile, kodwa kule mpikiswano namanxusa emizimbeni komthetho akudingeki ukungena, doskazyvat futhi akufanele kube yini. Abashayeli bengakwamukeli nanoma yimiphi imibhalo, njengoba inani labo akupheleli kuloku kwezinkambiso. Izenzo abamele ezingalungile zokuthola amaphoyisa womgwaqo kungalungiswa njalo inselele enkantolo ngemuva (noma ubheke ababaphethe ngokushesha).

inkimbinkimbi design

umshwalense MTPL yenziwe lula ngokwanele - kukhona cishe lutho bambalala. ukushayela isipiliyoni akunandaba, kanye isikhathi ukuthi umuntu echitha beshayela. Yebo, kukhona ezinye umehluko ngokwezezimali, kodwa namanje Inqubomgomo angenamkhawulo lilinganiselwe kakhulu kube nenzuzo enkulu. Lesi sakamuva kungenzeka efanele kuphela ezimweni ezithile (uma, isibonelo, emotweni umshayeli oyedwa kuphela, noma uma imoto umndeni run abantu ezahlukene, okuyinto ehlukile ukushayela isipiliyoni, kanye ubudala). Kufanele ahlole ngokucophelela zonke agumenti esivuna kokubili iziphakamiso ukugwema amaphutha.

Nokho, lapho design yanoma yimuphi umshwalense kumele bahlale beqaphile. Kungcono basebenze ndawonye nalabo izinkampani ukuthi unedumela elihle, izincomo ezivela umndeni nabangane. Lokhu kukuvumela ukuba sigweme ukukhwabanisa, ukukopela nezinye izinkinga, okuyinto yavama endaweni yemoto umshwalense.

Uma kudingeka, ngisho Ukusabalala elinganiselwe ungenza angenamkhawulo - salokho umnikazi imoto kumele abhale isitatimende esasisho kanjalo, niqinile, okuyinto ngemvume inqubomgomo. Lokhu mazwi abonisa ukuthi izinguquko wayebona e umshwalense - njengoba umthetho, iklayenti nje ukunikeza amafomu usulungile, lapho kufanele agcizelele into efiselekayo (zonke izinketho kufanele uhlole ngokucophelela). Isicelo ungabhala ngisho isifuba we oVikelwe - yomshuwalense ngaphandle imikhawulo khona kwemibhalo eqinisekisiwe okuzokhishwa.