Hull inshuwalansi ndi deductible ndi - ndichiyani? Kodi chilolezo mu Hull?

Pamaso kutsimikiza galimoto, ndi ofunika kuti tidziwe bwino ndi mawu zofunika kuti ntchito njirayi, makamaka "chilolezo". Insurance wothandizira chofunika kuti ndikuuzeni inu za ubwino onse ndondomeko kupeza. Koma osati chifukwa chakuti iwo kufotokoza mokoma ntchito zipewa ndi chilolezo cha. Kodi izo ndi zimene mawu chikalata utumiki uwu, kuwerenga mwatsatanetsatane m'nkhani ino.

tanthauzo

Deductible - kuchuluka kwa ndalama zimene munthu ayenera kulipira paokha pamene inshuwaransi chochitika. Mwina mmene% kapena mawu mtheradi. kukula kwake ndi anavomera pasadakhale ndiponso mfundo za malamulo. Mayiwo zikuchoka kuchotsera, ngati mukuvomereza kugula chisoti ndi deductible wa RESO.

mitundu

Makonzedwe chilolezo: malipiro onse kuti upambana kukula kwake, kampani imalipidwa kwathunthu. Koma ngati galimoto ndalama ayambe pang'ono, ndi insurer adzalandira kanthu pansi malamulo. Chitsanzo: chilolezo ndi 10 000 rubles ndi ndalama kukonza - 8000 rubles. Malinga ndi mfundo za mgwirizano mu nkhani iyi, ndi kasitomala osazindikira chirichonse. Koma ngati kuchuluka mtengo ndi 12 zikwi rubles, inshuwalansi compensates kuwonongeka mu zonse ndipo osati deduct mtengo wa chilolezo cha. Zochita njirayi si nthawi zonse ntchito, kuyambira chinyengo kawirikawiri anapeza kasitomala makamaka kumawonjezera chiwerengero cha kuwonongeka kwa mlingo chilolezo.

Nthawi zambiri makasitomala amakonda kugula CASCO inshuwalansi ndi deductible a. Kodi zikutanthauza chiyani? Mulimonsemo, makasitomala adzalandira malipiro inshuwalansi opanda ndalama anakonzeratu (chilolezo mtheradi). Chitsanzo: mu ndondomeko a kampani chilolezo kuchuluka kwa rubles 3000. Uwerenge mtengo kubwezeretsa magalimoto - 10 zikwi rubles. Kasitomala adzalandira iwo rubles 7000 chokha. Kuchuluka otsala iye ayenera zoperewerazo awo. malamulo amenewa anagulidwa kawirikawiri.

zowonjezera

CASCO inshuwalansi ndi deductible wa chopanda malire ulipo magulu awiri. Gawo la ndalama kuti kasitomala adzachira paokha, tingasonyezere monga ndalama zochepa kapena kuchuluka. Ngati chachiwiri amatengedwa nkhani zoti likuwonongeka. Voliyumu ya chilolezo ndi mawu a ntchito zosiyanasiyana malinga mwachindunji.

Chitsanzo: kukhazikitsa mfundo CASCO inshuwalansi deductible kuchuluka kwa 15% ya chiwerengero cha kuwonongeka. Kubwereranso kwa magalimoto muyenera zikwi 50. Opaka. Wa kampani (IC), kasitomala adzalandira 50 * (1-0,15) = 42,5 zikwi. Pakani. A zotsalira - 7.5 - kulipira paokha.

Apa mmene chilolezo mu inshuwalansi alumikizana.

zitumbuwa

Zoopseza, galimoto zokumana nazo, zofuna ndi mwayi makasitomala malamulo amenewa ndi zinthu zambiri.

1. Ndalama pa kugula. Policy ndi deductible ndi zonse mtengo kuposa popanda izo. kuchepetsa zambiri ziŵiri phindu la ndalama lokhazikika. Makamaka ndi noticeable mu kugulitsidwa kuti madalaivala achinyamata (pansi zaka ziwiri). Kwa iwo, kawirikawiri anakhazikitsa kuchulukitsa. Kuchotsera kumawonjezera malinga ndi kuchuluka lokhazikika. Kuwerengetsa pafupifupi mtengo wa malamulo, mungathe kugwiritsa ntchito Intaneti Chiwerengero pa webusaiti ya kampani ya inshuwalansi. Koma kupeza mankhwala amenewa, tiyenera kukhala tcheru kuti n'zotheka kuti mbali ya mtengo Mulimonsemo adzayenera azilipira okha.
2. Kusunga nthawi. Pakuti zimakhalapo ang'onoang'ono thupi, kapena kuwonongeka ena kuti kasitomala sadzakhala ndi kuonana ndi kampani kupeza chipukuta misozi. deductible reimbursement wa Casco mu Zikatero si anapereka.
3. Malinga ndi kafukufuku, magalimoto ndi deductible zochepa kulowa ngozi. Mozama chinthu maganizo. dalaivala amadziwa kuti ngakhale galimoto ndi inshuwaransi, koma gawo la ndalama adzakula zoperewerazo awo. Tikhoza kunena kuti chilolezo zimapangitsa anthu kusamalira galimoto mosamala kwambiri.

Benefits Insurance Company

Pamaso pa chilolezo cha amapulumutsa ilo kuti lisakhale ndi kuthamanga tepi wofiira kuti kulipira malipiro kakang'ono 2-3 zikwi rubles. Limagwirira kapangidwe zolembedwa yofanana. Koma izi ndalama ndondomeko akhoza kwambiri upambana kuchuluka kwa malipiro lenilenilo. Hull ndi chilolezo cha amapulumutsa pa mtengo zachipembedzo. Ichi ndi mwayi nkhawa makasitomala a. Munthu alibe nthawi iliyonse kuphika ndi paketi ya zikalata kupeza obwezeredwa mu UK. Makamaka kuganizira kuti ndondomeko ya kalembera wa masheya ngati galimoto liyenera kukonzedwa, zingatenge miyezi ingapo.

asadziphe

Kupatula ankaona franchises makolo luso ndi ndani anapereka malamulo ena. Iwo anafuna kuti magulu akutiakuti a makasitomala.

Mphamvu chilolezo alumikizana kapena payout pa chitsanzo chachiwiri. Akamanena za maganizo izi kuti nkhani yake yoyamba kuwonongeka reimburses UK onsewo. The chachiwiri akuyamba ntchito chilolezo. Nthawi zina kuchuluka ukuwonjezeka ndi chithandizo chilichonse kasitomala mu UK. Pa nthawi yomweyo akhoza kusintha kupitilira zojambula.

Yafupika deductible ntchito pokhapokha ngati udindo ngozi si kasitomala. CK ayenera kukonza zowonongeka, ngakhale dalaivala anathawa powonekera.

Malinga nthawi pamene chochitika inshuwaransi zinayambira, ndi alumikizana limodzi deductible ingagwiritsidwe ntchito. Kodi zikutanthauza chiyani? njira mfundo zina sizinatchulidwe osati kumawononga, komanso nthawi imene Yak. Ngati mwambo inshuwaransi zinachitika posapita nthawi, kasitomala amalipira ndalama onse.

Chitsanzo: dalaivala amagwiritsa galimoto kokha pa mlungu. Pa mlungu, anasamukira ku mabasi ndi magalimoto. Iye anaganiza kuti apereke kanthawi CASCO chilolezo. Ngati mwambo inshuwaransi limapezeka pa m'kati mwa mlungu ndi, kampani compensates zivute zitani. Koma ngati woyendetsa limalowera mu ngozi pa Sunday, ndalama kubwezeretsedwa kwa magalimoto kulipira m'thumba.

Pamene kugula ndondomeko

• Pamene kupezeka kwa chuma ufulu kwa gawo osadalira pa mtengo. Kuchotsera anapereka pamene kugula ndondomeko, adzakhala basi ntchito pa kukonza. Koma mwambo inshuwaransi zisadzachitike. Ndiye phindu lodziwikiratu.
• Kudalira luso galimoto ndi kupezeka kwa nthawi yaitali vuto lililonse zinachitikira. Ngati woyendetsa akuona ngati nsomba pa madzi kumbuyo gudumu, ndiye mfundo Hull ndi deductible akhoza kukupulumutsani ndalama. Mwina ngozi nthawi zonse. Koma ngati bwino galimoto kalembedwe anatsimikizira zaka zambiri, chilolezo ithandiza kupulumutsa mbali ya bajeti.
• Full alumikizana zikuphatikizapo "Kuwonongeka" ndi "kuba". Tiyerekeze kasitomala akufuna kuti inshuwaransi yekha pa chiopsezo yoyamba, chifukwa iye ndi chikhulupiriro mu luso lawo zimakhalapo ang'onoang'ono thupi sangamvetsere. Ndiye m'pofunika kugula Hull zonse ndi chilolezo lalikulu (7% kapena zambiri), ndi akulipira "Kuwonongeka". "Hijacking" akhoza inshuwaransi si onse makampani, kapena kani, utumiki lilipo phukusi ndi zina. Choncho, Zikatero m'pofunika kupeza mfundo zonse.

Pamene chilolezo ndi kupereka

Malinga ndi kafukufuku, utumiki uwu si yopindulitsa makasitomala, amene nthawi zambiri amapezeka mu ngozi. Makamaka zimenezi zikugwira ntchito kwa watsopano madalaivala ndi amene kudziona pa gudumu. Anthu amenewa ndi bwino kugula inshuwalansi pa mtengo wonse, amaganizira zinthu zonse. Minor ngozi ngati makasitomala zimachitika kangapo mwezi.

Kaya chilolezo lipindulitsa

Mu msika pali mitundu yosiyanasiyana ya malamulo kuti akhale abwino ena makasitomala. madalaivala odziwa bwino kugula zonse CASCO, amene ali abwino kuwonongeka chifukwa cha lachitatu maphwando. Anthu amene ali ndi ufulu posachedwapa anapatsidwa, muyenera khutu ku inshuwalansi ndi chilolezo zazikulu. Big kuchotsera pa iwo si anapereka, koma chinthu maganizo adakali ntchito. Madalaivala amene yaikulu chiopsezo ndi kuthekera kuba kapena chiwonongeko, ndi bwino kupeza CASCO ndi pazipita kuchuluka kwa chilolezo Mwachitsanzo, pulogalamu "50 50".

The chiŵerengero cha ndalama

Aliyense IC yokha linaŵerengera malire kumawononga. Nthawi kumene deductible kuti ntchito 0 kapena 100%, ali osowa kwambiri. Koma zonse umachita lamulo lomweli: m'munsi mtengo wa chinthu, m'pamenenso mtengo adzakhala azilipira makasitomala. Hull deductible wa RESO zambiri anapereka pa zinthu zotsatirazi: 0.5-1% ndalama kuti abwezeretse galimoto chifukwa cha ngozi zapamsewu, zochita oletsedwa ndi anthu ena, ndi 5% chifukwa kuba chiopsezo ndi kuchepetsa ndi makasitomala. Ngati mtengo Nkhaniyi 0%, ndiye mtengo wa malamulo a magalimoto mtengo kungakhale kwa 6% ya mtengo galimoto, zoweta - 3,96%.

Mawu Car Insurance

Maganizo onse a mokoma mfundo akuyimabe. Makamaka ngati galimoto ndi anagula pa ngongole. Banks ndi mndandanda awo mwa ophatikidzana-inshuwalansi akuda, lomwe kale anavomereza mfundo za mgwirizano. Pomaliza mgwirizano ndi makampani akuluakulu kwambiri pa msika, makasitomala kugula mu OJSC "Sberbank" CASCO. Chilolezo kwa wotuluka amenewa amaperekedwa tsiku ndi kuvomerezedwa. Ngakhale kuti ndalama za ndondomekoyi kungachepe popanda kuwonjezera kuopsa zake. Mwachitsanzo, ngati kasitomala akufuna kutsimikiza galimoto yekha pa kuchuluka ngongole, mwachitsanzo 70-80% ya mtengo wa galimoto. Koma mu nkhani iyi, gombe adzakhala otetezeka. malipiro adzakhala molingana ndi kukula kwa ngongole opanda chilolezo. Pamene izi kunditumiza ku nkhani kapena utumiki, zomwe zimafunika kubwezeretsedwa kwa galimoto, kapena mtsuko, ngati galimoto chitabedwa, kapena kuwonongedwa kwathunthu. Koma ngati malipiro kuchuluka sifikira muyezo wa ngongole, ndi kasitomala adzakhalabe ndi ngongole kuchokera m'thumba mwake.

Miser amalipira kawiri

Pamene nthumwi akuti: "Ife ndife pang'ono kuchepetsa inu mlingo", kasitomala ayenera kumvetsetsa kuti Pankhaniyi adzakhala ndi kukwaniritsa mbali yofunika kwambiri ndalama okha. A kupulumutsiramo ang'onoang'ono magawo oyambirira yafotokozedwera kuwonjezeka mlingo (kuchuluka) a chilolezo cha. Mwatsoka, inshuwalansi chikhalidwe Russia ndi underdeveloped. Chifukwa anthu kumvetsa bwino akamanena za mfundo zonse ndi ubale malipiro ndi deductible, mukuvomera mwayi kugula makampani a inshuwalansi ndi 5-10% ndalama munthu.

50 mpaka 50

Only mu MTPL deductible anakonza pasadakhale. Koma mu nkhani iyi galimoto ndi inshuwaransi chifukwa chakuti izo zikanakhoza atamumenya winawake. Nthawi zambiri, oyendetsa kutenga mfundo imeneyi kwa nthawi loyang'anira. Choncho, chinthu chofunika mu mtima mtengo. Mozama lamulo lomweli. Kuchepetsa mtengo wa malamulo, UK kumawonjezera chilolezo. Koma inshuwalansi amenewa oyenera okha madalaivala odziwa. Koma onse kuzindikira analakwitsa kokha pamene chochitika inshuwaransi, pamene likukhalira kuti mfundo chimakwirira% 50 okha a ndalama.

Pomaliza

Kutsimikiza galimoto zisaonongeke kuti ingagwiritsidwe chifukwa cha zochita za lachitatu maphwando, muyenera kugula ndondomeko ndi Hull deductible. Ndi chiyani icho? Mu chochitika cha ngozi kasitomala mungapezeke kampani inshuwalansi reimbursement ndalama kuti apeze galimoto. Pambuyo kalembera wa onse malipiro sheya adzapatsidwa malire a Uwerenge inshuwaransi, koma opanda deductible lapansi. Kuti uli munthuyo inshuwaransi akadali kubala mbali ya zomvetsa, koma kukula adzakhala mayina pasadakhale mu mgwirizano monga zochuluka kapena kuchuluka.