Ubhalo-inshorensi MTPL - it DSAGO (inshorensi ngokuzithandela): imiqathango, izinto eziluncedo nezingeloncedo

Iimfanelo civil esivakalayo sibalulekile zokusetyenziswa imoto. abaqhubi beemoto Domestic ngokuzithemba ukwahlula phakathi umgaqo-inshorensi enyanzelekileyo MTPL, noqinisekisa ukukhusela abantu abachaphazelekayo, kunye Hull nkqubo, nto leyo ihlawula umonakalo kungakhathaliseki ukuba ngubani ngumtyholwa yale ngozi. Okwangoku luya lusiba nochatha ukhetho wesithathu wesithathu liability insurance - eyandisiweyo CTP inshorensi. Libizwa ngokuba avtograzhdanki ngokuzithandela - DSAGO. Makhe sibone ukuba yintoni na iimpawu yale nkxaso yaye ziziphi zalo eziluncedo.

CTP unlimited

nkqubo avtograzhdanki Standard ilinganiselwe egubungele ilahleko. MTPL sum kwaqinisekisa ngurhulumente kwaye ayikwazi kungandiswa ngaphandle ngeenkonzo ezongezelelweyo. Ngoko ke, kwiimeko kakhulu, xa umonakalo omkhulu wazibonakalisa yinkundla, ngumtyholwa kwafuneka ukuba ahlawule ixhoba kweyakhe ipokotho. Lo mgaqo mnye sibekwa phantsi kwi-Civil Code Art. 1072 njengako kwayo onoxanduva ingozi uthwele uxanduva ngokupheleleyo lokuphelisa nya bomonakalo. Kulo mzekelo, inguqulelo ekhethekileyo CTP uncedo. DSAGO ikuvumela ukuba abuyekeze ngokupheleleyo ixhoba ngenxa yokwanda komda inshorensi. Kukho ibiza kakhulu kukuba i-inshorensi efanayo, kodwa more. Ubungakanani iintlawulo CTP landiswa ukuya engange million 15. Ngoko ke, ukuba nina awanelisekanga iphakheji umgangatho auto ubutyala, kwaye ufuna ngakumbi, ungenza amalungiselelo inshorensi elide. CTP kuyinyaniso ngakumbi wabaqalayo, kutshanje wahlala phantsi ukuba kweevili.

Iinkampani ezininzi zinika iiphakheji elandisiweyo, ezifakwe kwi extras. ubusela CTP Advanced ziya kufumana imbuyekezo xa fedde. abaqhubi beemoto abanamava, amava inkathazo-free ukuba ngaphaya kweminyaka emithathu, akukho ngxaki ukukhupha MTPL ngaphandle ngeenkonzo ezongezelelweyo - amava uqhuba siqinisekile enokuthenjwa nkqu kwimeko yengozi umonakalo ziya kuba ncinci.

iimpawu DSAGO

Ubhalo CTP inshorensi luphawulwa ngolu hlobo lulandelayo:

• DSAGO yinxalenye ebalulekileyo ye nkqubo MTPL. Ngaphandle avtograzhdanki mandatory akunakwenzeka ukuba wenze iphakheji ngokuzithandela inshorensi liability;
• iindleko zizonke, iimfuno ezisisiseko kunye nemali kweentlawulo mandatory esekwe yi ummeli we-inshorensi;
• ngelixa inshorensi MTPL wawandisa iinzuzo kwenzeka kuphela emva kokuba kugqithwe imoto enyanzelekileyo inshorensi yomntu wesithathu amandla.

Ziziphi iingenelo DSAGO?

inshorensi wokuzithandela uye kwiqela lokulungileyo phezu umgangatho "avtograzhdanki":

• case-inshorensi i-inshorensi motor ngokuzithandela efanayo CTP;
• yi DSAGO iintlawulo ziqale kuphela xa avtograzhdanki mandatory abakwazi ukugubungela isixa umonakalo;
• inani unlimited izibonelelo ezinokufumaneka, ixabiso kuphela umda anesiphelo indemnity.

Hull and MTPL

Abaqhubi kufuneka sikhumbule ukuba igobhogobho kunye DSAGO - ezahlukeneyo imigaqo-inshorensi. Yintoni kubenza ukuba yena nabanye uxwebhu iintlobo yokuzithandela inshorensi. Umahluko omkhulu ngakumbi. DSAGO luguqulelo eyandisiweyo kakhulu standard-inshorensi yemoto liability - iintlawulo kule hlobo inshorensi yenziwa ukuze kungenelwe abo bachatshazelwa ngezenzo ngumnini nomgaqo. CASCO ipolisi ye-inshorensi sikhusela umnini imoto, kungakhathaliseki ukuba oko ezonakeleyo.

DSAGO apho kukhutshwa

Ubhalo-inshorensi MTPL nga kukhutshwa nayiphi na inkampani ye-inshorensi, yaye uninzi lwabo anikele ukuba akhuphe avtograzhdanki ngokuzithandela kunye package inshorensi yokuzikhethela. Oku kuluncedo ukuba le-inshorensi, nangenxa client. I-inshorensi ufumana isixa esikhulu sentlawulo phantsi kwaye umthengi, kwimeko yengozi, akukho mfuneko ukubaleka iinkampani ze Insurance ezahlukeneyo kuqokelela amaxwebhu ezongezelelweyo - intlawulo kwi-nkqubo engundoqo kwaye phambili ziya kuthwalwa omnye umbutho efanayo. ukuba inshorensi liability sele ukhutshiwe nge "arhente single" kwandiswa CTP zingathengwa kuyo nayiphi na igatya inshorensi ekufuphi.

Ngawaphi amaxwebhu afunekayo ukuze ubhaliso DSAGO

Kuba ubhaliso CTP oluphuculweyo package inshorensi kufuneka alungiselele maxwebhu alandelayo:

• Ngumgaqo-nkqubo we-inshorensi yemoto ubutyala, njengoko akabuya ukuba umba ngaphandle CTP olongezelelweyo;
• incwadi eqinisekisa ubhaliso yesithuthi;
• ilayisensi yokuqhuba yomnini auto okanye kumandla egqwetha ukulawula isithuthi;
• umnini imoto yokundwendwela.

Yintoni kugqiba ubungakanani iintlawulo

Malunga indlela kubiza CTP lizakwandiswa kwisigaba version yokugqibela, ungabona ummeli kwinkampani ye-inshorensi. Uhlobo kweentlawulo zokugqibela ukuya woniweyo kuxhomekeke kwi-akhawunti okanye ukukhathaza banxibe isithuthi. Kulo mzekelo, xa kukho isivumelwano ukuba ipesenteji wamaxabiso kuthathelwa ingqalelo xa kubalwa kweentlawulo, imbuyekezo yokugqibela iya kuba kakhulu ngaphantsi. Nenzuzo yenza uhlobo yesibini-inshorensi apho kukuwohloka ukukrazuka abayi kuqwalaselwa.

Indlela ukubala DSAGO

Bala CTP kwi version ende zabo aziyi kusebenza. Isixa liphezulu intengiselwano liya kuxhomekeka eziliqela iinqobo ezongezelelweyo, uluhlu olupheleleyo apho iiseti inshorensi. Phakathi kwezi khrayitheriya ibalulekileyo:

• iimpawu TC;
• inshorensi yobomi;
• ukunciphisa ubungakanani coverage-inshorensi;
• ukuxatyiswa ubudala nomqhubi;
• Uluhlu lweenkonzo ezongezelelweyo.

Ngokusekelwe ulwazi oluqokelelweyo, i-inshorensi ibeka uluhlu lwamaxabiso zayo iphakheji inshorensi. Umzekelo, ukuba imali elinganiselwe 300 lamawaka. Engange unyanzelisa nkqubo umqhubi DSAGO kuqukunjelwa igalelo lokuqala ngo-1200-1800 engange. I-avareji Umqhubi, ezama ukubala CTP kwi kwinguqulelo eyandisiweyo, ibeka nokuhlawulwa malunga enye enesiqingatha yezigidi, nto enyanzela ukuba ahlawule "dobrovolku" ngesantya ukuya ku-6 amawaka. Engange ngonyaka ngamnye. Kulo mzekelo, inkqubo yebhonasi kwi DSAGO alisebenzi! Ukuze uncede beemoto kwiiwebhusayithi ezininzi iinkampani ze-inshorensi ethunyelwe iikhalityhuleyitha online on DSAGO, apho unokufunda iindleko elisondeleyo iphakheji ukhuseleko.

Ukwenza DSAGO kwabasaqalayo

Abaqhubi, okwesihlandlo sokuqala ndahlala phantsi emva ivili imoto yakho, iimeko kunokwenzeka endleleni kunokubangela inkxalabo enobulungisa. abaqhubi abaninzi boyika ukuba ingozi yemoto, yaye ngenxa yoko akukho mntu omzimba. Kodwa izenzo zakhe emva kwengozi, i-Amathole abafane bacinge. Okwangoku, kodwa inyathelo lokuqala umqhubi uya kugqiba ukuba kuya kuhlawula imbuyekezo kwaye ingaba uza kububuyisela imoto. Kungenxa yoko le nto abaqhubi awukwazi ukufumana imbuyekezo - ngenxa yokungabikho ingqalelo iimeko-inshorensi, nangona, ngokomgaqo, zonke ixhoba unelungelo lokufumana imbuyekezo inshorensi.

Ngenxa yoko abaqhubi akukho engasafaneleki-inshorensi? Cinga iimpazamo abasaqalayo ixhaphakileyo.

• Ilungu le ngozi ngokwakho kokushiya isayithi ngozi kwimizuzu.
• umnini Car azixhokonxa ixhoba ukuba lo mba ngaphandle amaphepha.
• Umqhubi ibuyisela umatshini ngeendleko zayo, uze emva koko kuphela ecela intlawulo.

Zonke ezi zenzo kwenza kube nzima ukuqhubeka unyango imbuyekezo inshorensi.

Njani na intlawulo yemali

Ukuba umqhubi ilungiselelwe ngokufanelekileyo ingozi kunye inkampani yeinshorensi bavuma imbuyekezo, intlawulo lokugqibela wenziwa iintsuku ezintlanu. Kwimimandla ekwanti Russia, ngeli xesha lingahlehliswa iintsuku ezilishumi zomsebenzi. Kuba inshorensi i-inshorensi kufuneka anike uluhlu ethile lwamaxwebhu. Kuba ngumtyholwa kuluhlu yengozi bezibambiso na ngolu hlobo lulandelayo:

• isicelo;
• phinda okanye umgaqo MTPL yokuqala;
• ikopi-mvume lokuqhuba kunye namandla egqwetha (ukuba umqhubi wasinda uqhuba imoto amazwe);
• Isiqinisekiso esisuka yesebe amapolisa neyentengiso indawo kunye nexesha le ngozi abhalwe, ebonisa umonakalo yatyunjwa.

Iqela elimele nayo onyanzelekileyo ukuba anike kwinkampani ye-inshorensi uluhlu olusisinyanzelo maxwebhu, kwaye isigqibo njengako apho uya kuhluthwa kovavanyo imbuyekezo. Zezi:

• isicelo sembuyekezo-inshorensi (ukuba isampuli zikwazi ukuthathwa kwi website yeinshorensi);
• ikopi yencwadana yokundwendwela;
• uxwebhu eqinisekisa inxaxheba kwingozi yemoto;
• amaxwebhu ukuze imoto;
• uhlobo-isaziso ngengozi;
• iikopi imizuzu (ukuba iqulunqwe kwingozi).

Amaphepha ahanjiswe kwi-ofisi ekufutshane inkampani yakho ye-inshorensi ngokwayo.

imbuyekezo Natural for CTP

Okwangoku, uninzi abanini kwezithuthi ezichaphazelekayo musa ukufumana imali esandleni, abuyisele nje imoto yakho ngokuxhaphaza-inshorensi. Kwi-uhlobo iintlawulo kwiCEMIS phantse bonke abaqhubi zabucala lizwe lethu. Ngokutsho ezintsha, iqela owenzakeleyo abayi kufumana imali ukulungiswa ezandleni zakhe - endaweni, umnini imoto ziya kucelwa ukuba alungise imoto kwi kwiziko emotweni inkonzo kufutshane. Noko kuthetha uya kwakhona imoto - akufunekanga ibe nomdla umnini. lonke uxanduva umgangatho ukulungiswa imoto kwi kwinkampani ye-inshorensi. Yaba yena okhetha inkonzo, iqukumbela isivumelwano nayo yaye idlulisela nemali ukulungisa. umnini imoto abachaphazelekayo Ungakhetha kuphela ukhetho afanelekileyo kumgama kwithuba inkonzo imoto kunye nokulungiswa. Ukuba umgama ukuya kwisikhululo ekufuphi likhulu kakhulu, okanye kummandla akwenzeki ukuba alungise le ndlela moto, inkampani ye-inshorensi iya isigqibo imbuyekezo ngemali ye CTP. Umnini Imoto uza kufumana imali kwimeko iyonke ukutshatyalaliswa matshini.

Njengoko sibonile, i-inshorensi eyandisiweyo MTPL usombulula iingxaki ezininzi kwaye ngokupheleleyo kususa loo mntu unetyala umsebenzi bangasoli phantsi kwingozi yemoto. Ingakumbi DSAGO efanelekileyo kukuba abaqhubi abo basandula kuqalisa, abonelela ukuba akhuphe inshorensi MTPL kunye coverage olongezelelweyo nangoko emva uthenga imoto.