Yini ongayikhetha: OSAGO noma i-CASCO? Uyini umehluko?

Bonke abanikazi bemoto ezweni lethu unyaka ngamunye babhekene nesidingo sokwenza umshuwalense wezimoto. Amaphakheji ayisisekelo omnikazi wemoto yi-OSAGO noma i-CASCO. Ngamunye wabo wenza imisebenzi ehlukahlukene, uhlobo olulodwa lomshuwalense luyimpoqo, kanti enye - ngokuzithandela kuphela. Yini okufanele ukhethe uma wenza inqubomgomo - OSAGO noma i-CASCO? Uyini umehluko phakathi kwalezi zinhlobo zomshuwalense?

Umehluko kumaphakheji omshwalense

Idokhumenti yomshuwalense wemoto kumele ihambisane nomshayeli ngamunye futhi inikezele uma kufanele, abasebenzi bezimoto zamaphoyisa. Uma sibheka inqubomgomo, singakwazi ukubona lokho ngaphambi kwethu - OSAGO noma CASCO. Uyini umehluko phakathi kwalezi zinhlobo zomshuwalense?

Idokhumenti ye-A4 ifomethi nesignesha ye-OSAGO ibizwa ngokuthi umgomo womshuwalense ophoqelekile. Kumele kuthathwe kuwo wonke umuntu oshayela imoto yakhe. Lolu hlobo lwemisebenzi yomshuwalense esiyidingayo ukuthenga minyaka yonke kusuka kuma- inshuwalense. I-CASCO uhlobo lokuzithandela lomshwalense. Iziphi izinhlobo zezivumelwano ne-UK okufanele ziphethwe - OSAGO noma i-CASCO? Ukuze uphendule lo mbuzo, kubalulekile ukuqonda ngokuningiliziwe izici zenhlobo ngayinye yomshwalense.

Iyini eyingqayizivele ye-OSAGO?

Empeleni, lolu hlobo lwemshuwalense wemoto aluvikeli imoto noma impilo yomshayeli, kodwa umthwalo womphakathi walesi sakhamuzi uma kwenzeka ingozi yomgwaqo. Kusho ukuthini lokhu?

Uma kwenzeke ingozi, lo mholi ungumnikazi wemoto oqinisekisiwe ngaphansi kwe-OSAGO, umonakalo wabantu abalimele ngeke uhlawulelwe ngumshayeli ngokwakhe, kodwa yinkampani yomshuwalense. Kulesi simo, umonakalo obangelwa imoto yecala ngeke ubuyiselwe. Ngakho-ke, i-OSAGO iqinisekisa abantu abangaziwa kanye nempahla yabo, uma ngenxa yezenzo zecala bazolimazwa. Inani eliphezulu lemali yesibambiso somshuwalense lilawulwa ezingeni lezomthetho. Njengamanje kungama-ruble ayizinkulungwane ezingu-400. Uma kwenzeka umonakalo omkhulu noma ukulahlekelwa kwempilo, inani lesinxephezelo lingase liphakeme nakakhulu. Kodwa kwezinye izimo, inkampani yomshuwalense inelungelo lokubuyisela isinxephezelo esikhokhelwa ngezindleko zomholo we-OSAGO.

I-CMTPL ihlawuliswe nini umonakalo?

Ngaphansi kwemithetho ekhona, ukukhokhelwa komshuwalense wemoto okuphoqelekile kuzonikezwa isisulu kuphela ezimweni ezimbili:

• Uma isisulu sithatha ingozi yethrafikhi futhi siyabonakala njengabantu abalimele, ngokusho kwemibiko ye-GIBDD. Umlandu onecala kufanele uqaphele leli cala futhi ube nomgomo we-OSAGO ovumelekile futhi ukhokhelwe ngesikhathi sengozi.
• Uma umnikazi wephoyisa etholwe enecala yengozi, kodwa wayengadakwa, waziphatha ngendlela efanele futhi wanikeza imoto yakhe ukuba ihlolwe - kulokhu, isinxephezelo sabasolwa sizokhokhwa yinkampani yomshuwalense. Uma izindleko zokucubungula i-plis yakho zingama-ruble ayizinkulungwane ezingu-10, kanti umonakalo ucatshangwa ukuthi uphindwe kasikhombisa, abamele inkampani yomshuwalense bazobuyiselwa umonakalo obangelwa inani lama-ruble angu-50 000, kanti umonakalo wengozi ngeke akhokhe noma yini.

Iyini i-CASCO?

Ukukhuluma ngeCASCO kuyinto efiselekayo ukuqala ngombuzo ojwayelekile bonke abashayeli bamashayeli ababuza: "OSAGO noma CASCO - yini engcono kumshayeli?" Ukwakhiwa okunjalo kuyiphutha ngokuyisisekelo - emva kwakho konke, ngaphandle kwalokho ukuthi amaphakheji womshwalense ahlobene nemishini, awahlanganisi noma yini enye. Uma i-OSAGO ivikela inkokhelo yomphakathi, i-CASCO iqinisekisa izindinganiso zomzimba ngokuphelele - iphakethe yomshuwalense ihlanganisa isinxephezelo sokuba noma ukulimala emotweni. Zombili amaphakheji emaphakheji ezengeziwe, kodwa musa ukushintshana. Ngakho-ke, umbuzo ka-OSAGO noma we-CASCO: okungcono akunalutho. Lezi zindatshana zomshuwalense zihluke kakhulu, ngakho-ke, ukukhokhela noma yimuphi umonakalo ongase uwenze, kuzodingeka ukhokhe kokubili kulezi zinqubomgomo.

I-CASCO ihlawulisa nini umonakalo?

Ungalindela isinxephezelo kumqhubi womshuwalense uma kwenzeka ukwebiwa, ukulimala noma ukulimala emotweni. Kwezinye izimo, umnikazi wezimoto olimele angase futhi athembele kunxephezelo ngenxa yezizathu zempilo - uma le nto ibhaliswe ngokwehlukana kwinkontileka yomshuwalense.

OSAGO noma CASCO: yini okufanele ukhethe?

Manje akulona kunzima ukusho ukuthi inkontileka yomshuwalense yesikhwama somphakathi iyisibopho ezweni lethu . Ukuthola inqubomgomo yomshuwalense we-MTPL iqondiswa yizikhungo eziningi zezezimali. Lezi yi-RSA - iRussia Union of Motor Insurers, kanye neBenki Ephakathi, okuyi-regulator, kanye nezikweletu nemithetho ehlukahlukene. I-CASCO - umshuwalense uvele ngokuzithandela kuphela. Ukuhlinzekwa komshuwalense wezinxephezelo ezibonakalayo kulawulwa kuphela nguMthetho Wokuvikelwa Kwemalungelo Wabathengi kanye ne-Civil Code ye-Russian Federation. Ngakho-ke, ukuthola inqubomgomo ye-OSAGO, ungayinakekela i-CASCO, kodwa hhayi ngokufanayo. Inqubomgomo yomshuwalense wokuzithandela wemoto ayikhululi isidingo sokuthola i-MTPL.

Izidingo ezinzima

Umqondo wokumangalisa okukhona okhona kuzo zonke izinkampani zomshuwalense futhi awuxhomeki kuhlobo luni lomshwalense oyisebenzisayo - OSAGO noma i-CASCO, noma enye into. Kwezinye izimo, i-UK ayibophekile ukuba ikhokhe imali yokukhokhela umshwalense. Isibonelo, uma umenzi wengozi elahlekile endaweni yesehlakalo, akazange anikeze imoto ukuthi ihlolwe, yayidakiwe. Kulesi simo, wonke umthwalo wemali yesibambiso semali ekhokhelwa umonakalo uwela emahlombe omlandu.

Izinqubomgomo ze-MTPL noma i-CASCO zifaka phakathi into edingekile ekulawuleni okusemthethweni kwinkontileka yomshuwalense. Icacisa amacala lapho inkampani yomshuwalense ingaqala isimangalo somphakathi futhi iphoqe isinxephezelo esinikezwe emuva. Ngokuvamile lokhu kwenzeka uma:

• Isisulu sishiya endaweni yesehlakalo ngaphambi kokufika kwamaphoyisa omgwaqo;
• Ayinikezi imoto yakhe ukuze ihlolwe;
• Ingabe uphuzo oludakayo noma oludakayo;
• Okunye.

Kulezi zimo, i-agent yomshuwalense inelungelo lokuqoqa enkantolo yonke imali ekhokhelwe isisulu (uma kukhona inkontileka ye-OSAGO) noma kumnikazi wezinqubomgomo (uma kuyi-CASCO). Izinkokhelo ze-MTPL noma i-CASCO zivele kuphela emva kokukhokhwa kwenqubomgomo yomshwalense.

Uhlobo luni lwemshwalense yemoto engabizi?

Inkinga yesibili ebalulekile yindleko yomshwalense wemoto. I-OSAGO noma i-CASCO - engabizi? Sibophekile ukukucasula - kuyoba kubiza ukukhokha umonakalo owenziwe komunye umuntu kunokuqhathanisa ukulahlekelwa okufakwe emotweni yakho.

Imali ye-TPL yomshuwalense oyimpoqo ilawulwa yi-state-kuyo yonke inkampani yomshuwalense, izimo zokuthola umshuwalense we-OSAGO zifanayo, kanti umphathi wemoto ezinkampanini zomshuwalense ezahlukene uzobiza inani elifanayo. Izindleko zomshuwalense we-CASCO uzibeka ngokwawo, futhi kuxhomeke ezicini eziningi - ezivela ezibalo zokuqothulwa kwalesi simodeli yemoto kuya ezingeni lobuchwepheshe bomshayeli.