Yintoni hlobo xa CASCO? Hlobo kwi CASCO: ncomo, iimeko

Wonke umqhubi awajamelana ubuncinane kanye ebomini bakhe kunye imfuneko yokuthenga i-nkqubo ukuba isithuthi (imoto). Kuyinto enye into ukukhupha MTPL, t. E. Ukuze inshorensi umonakalo kwipropati kunye nempilo amaqela esithathu. Imigaqo-nkqubo elolu badla ezifunyenwe ngomhla ixesha uhlolo kunye bokuqonda imvumelwano musa ugxile. Yaye enye - ukuba sizuze CASCO. Inani imali elikhulu iingozi ezinkulu, ngenxa yokuba nkqu insurer iceba ukuba akhuphe hlobo. Ngokufutshane kakuhle eli binzana ngolu hlobo lulandelayo: xa kuthe ingozi nangoku loo Umxhamli kuya kufuneka ukuba sichithe imali ukulungisa imoto. Kodwa kangakanani kwaye phantsi kweziphi iimeko, omnye umbuzo. Iinkcukacha ezithe xaxe malunga nokuba yintoni na itsalelwa phantsi CASCO, ziziphi iimpawu nokubunjwa kwayo, ufunde.

nezimaphambili ezingundoqo

CASCO - inshorensi imoto ekwebiweni, ubusela okanye umonakalo kubantu besithathu. Kungenxa yoko le nto iibhanki ifuna ubukho balo kuyilo mboleko yokuthenga imoto. Intengiselwano ngokwayo sisithuthi benefits, kungakhathaliseki ukuba ngubani obangela umonakalo.

Ukubhala i-nkqubo, i-arhente inshorensi kufuneka ukundulula ukukhupha hlobo, ebalisa zonke iingenelo intengiselwano kunye, ke, malunga isaphulelo ukuba umthengi uza kufumana. Kodwa iindleko zabo ukuphuma ecaleni emva koko. Itsalelwa - isixa mali ziya kuhlawulwa yi-ngumthengi phezu kokuvela isiganeko inshorensi. Oko luboniswe% yemali phantsi isivumelwano okanye iiyunithi emali. ubungakanani bayo Iqinisekile kwangaphambili kwisivumelwano. Oko kukuthi, yithathe neendleko ezingalindelekanga engenakwenzeka. Yilonto nalo ilungelo kwi Hull ngendlela lula.

ongakhetha

Non-itsalelwa itsalelwa inshorensi CASCO kuthetha ukuba zonke iintlawulo ngaphezu ubukhulu bayo, ziya kubuyiselwa ngokupheleleyo inkampani ye-inshorensi (IC). Kodwa ukuba udibaniso iindleko wokuchacha uya kuba imoto encinci, i Umxhamli kuya kufuneka ukuba imbuyekezo umonakalo ngokwakho. Ngoko ke, lo nalo ilungelo wabiza "ukuxhomekeka".

umzekelo

i itsalelwa yi amawaka 5. bagcobe. Ukuba umonakalo uthelekelelwa 4.5 amawaka. Thambisani., Ke imali Umxhamli kuya kufuneka ahlawule ngokwakho. Kodwa ukuba kufunyanwe izithuthi uya kuthabatha amawaka 7. Engange, ngoko kugubungela ilahleko ngokupheleleyo kwinkampani.

franchise olungenamiqathango -inshorensi igobhogobho itsaliwe kwi imbuyekezo. Oko kukuthi, kuyo nayiphi na imeko, iindleko ze-inshorensi ye Umxhamli kuya kufuneka ukuba ahlawule epokothweni. Ngomhla nemiqathango umzekelo edlulileyo, oku kuthetha ukuba xa umonakalo kwi-7 amawaka engange, loo mntu uya kufumana kuphela :. 7 - engange 5 = 2 amawaka .. Kodwa ukuba ekspertiznaya ireyithingi ka-4.5 amawaka. Engange, bonke kubiza i Umxhamli kuya kufuneka sikhala ngokwabo.

Kukho ezinye iintlobo ze franchise, eyenzelwe ukuba iindidi ezithile abathengi, kodwa ke ezininzi eziqhele ukusetyenziswa kwaba babini. Kwiimeko zithile kakhulu luncedo, njengoko kunjalo isixa itsalelwa weendleko kube bandiswe uMntu oKhuselwe ngeInshorensi.

buhle

Impendulo engagungqiyo umbuzo enoba ukuthenga umgaqo-nkqubo kunye itsalelwa, akukho. Kuxhomekeka kwisimo esithile, amava lomqhubi uqhuba, umthamo wakhe zemali. CASCO inshorensi kunye itsalelwa kunokuba luncedo ukuba:

• Umntu ufuna ukuba ulondoloze imali ukuthenga nkqubo. Xa ifakiwe kwikhontrakthi naliphi na ixabiso franchise na intengiselwano kuya kuncipha kakhulu. Oku ikakhulu usebenza abaqhubi ngaphandle amava uqhuba. Kwiimeko ezinjalo, izibalo SC usebenzisa zilinganiso eziphezulu. Ubukhulu itsalelwa, leyona lo mgaqo-nkqubo. Kulo mzekelo, umntu lowo kufuneka ilungiswe ukuqinisekisa ukuba imbuyekezo evela kwinkampani, uya kwamkela kuphela xa umonakalo elibalulekileyo emotweni. imikrwelo Small kuya kufuneka ukulungisa ngeendleko zabo.

• Umntu ofuna ukusindisa ixesha. Kwimeko-inshorensi inkampani kufuneka unikeze yonke impahla amaxwebhu ukusuka iikopi zokundwendwela izatifikethi ukususela emapoliseni endlela. Kaloku, ukuba la maxwebhu ziye ikhutshwa ngoko nangoko kule ndawo. Kodwa abathengi asoloko ukuya amaxwebhu ukuba ibuyekezwe. Ukuba isixa umonakalo incinane, iyavakala ukubuyekeza ngabantu balo. Ngoko ningazuza ixesha nemali.

• SC kwakhona buyanceda amalungiselelo igobhogobho nge itsalelwa. Izimvo abasebenzi mveliso ukuqinisekisa oku. Kungakhathaliseki ukuba isixa umonakalo sembuyekezo inkqubo ezenziwe ngokwemimiselo ubhaliso sisoloko efanayo. Kodwa ke iindleko lingaba ngaphezu kakhulu ixabiso lembuyekezo. Ngoko ke, i arhente zama ukuthengisa imigaqo-nkqubo kunye itsalelwa.

Ngubani kufuneka uthenge nkqubo?

Ukuba iyitshinizele nesibakala sokuba hlobo kwi Hull, yiya kumbuzo ngubani kufuneka enze isivumelwano esinjalo. Ngenxa yoko, umthengi enokwenzeka kufuneka baphumeze iikhrayitheriya ezininzi:

1. Ukufumaneka kwemali. umonakalo Minor ukuya Umxhamli kuya kufuneka sikhala ngokwabo. Kodwa umcimbi benefits oku kungenzeki. Ngoko ke imali kuthengwa le nkqubo iya kugwetyelwa.
2. amava Long yokuhambisa ingozi-free. Ukuba umntu ilawulwa kakuhle kwaye isithuthi uziva ngemoto ngathi intlanzi emanzini, ukuba nalo ilungelo kwi Hull uyabasindisa mali ngexesha ilondoloza ingqondo yokhuseleko, kuba imoto ziya kukhuselwa ukusuka ubusela okanye kwintshabalalo.
3. Umnqweno ngokusesikweni umgaqo-nkqubo omnye kuphela uhlobo emngciphekweni. igobhogobho epheleleyo ibandakanya ukhuseleko kumonakalo nobusela. Kodwa ke ukuba umntu ukholose ubuchule bakhe lokuqhuba kunye nezincinane imikrwelo azisayi kuhoywa, kubalulekile ukuthenga umgaqo-nkqubo kunye itsalelwa eliphezulu (7%) ukulungiselela ingozi "umonakalo". "Imoto" lunqabe wacela abathengi ngokwahlukeneyo. Amaninzi ukuba uyasondela izikhwebu kunye nezinye iinkonzo. Kodwa ukuba umxhamli iinkonzo yinkampani ixesha elide, uninzi franchise kwi Hull abe zokufumana inzuzo.

Niyazi ukuba umthetho

Ngokutsho manani, siyakhula kunokwenzeka ngakumbi ukuba bangene iingozi uqhagamshelane nenkampani ukuba imbuyekezo. Kubo, ulondolozo-nkqubo iba iindleko ebalulekileyo recovery auto. Ngcono nje ukuthenga i-inshorensi kunye okuza aphezulu. Kukwasebenza kwanjalo abaqhubi abafumene amalungelo emva kweminyaka engama-40.

izincomo

Ngoko ke oxhamlayo itsalelwa CASCO? abaqhubi abanamava, ngubani musa kuhlala phezu imikrwelo engephi kwaye zilungele ukubuyekeza ngenxa akhawunti yabo. Ngoko ke abathengi kufuneka uthenge imigaqo-nkqubo kunye itsalelwa ngaphakathi 0.5-2% yeendleko iimoto.

Abaqhubi abanamava elide lokuqhuba ingozi-free nga atyikitye isivumelwano phantsi eya libe kuphela iindleko eziphezulu yokulungisa iimoto. Ngokuqhelekileyo, inikeza nalo ilungelo mali ka-7%.

Abasanda ngcono ukuba ukulibala malunga nomqondo onjalo njenge "nalo ilungelo inshorensi igobhogobho", into ethetha - ukuthenga umgaqo-nkqubo kanye kanye okuza eziphakamileyo. Nangona ukonga imali ayikasebenzi, kodwa into engqondweni lusasebenza: umqhubi uya kuba ngenyameko ngakumbi ekusebenziseni isithuthi.

ifuthe

Fumana imali ngokupheleleyo konke okusemandleni, nokuba umxhasi uye wakhupha igobhogobho kunye hlobo. Ukuphonononga abaqhubi kwi amaqonga ukuqinisekisa oku. Kodwa iqhinga kuya kwenzeka kuphela xa le wobubi yengozi wena. In Russia kukho iintlobo ezimbini-nkqubo - CTP kunye wenqanawa. Imvelaphi offset umonakalo amaqela wesithathu, kwaye eyesibini - TC-inshorensi. Ngoko ke iqhekeza umxhesho ngaphakathi nalo ilungelo kuba phantsi nkqubo CTP ngumtyholwa yale ngozi. Kodwa ke kule meko kuyimfuneko ukuba bahlanganise iphakheji epheleleyo yamaxwebhu, apho kuyimfuneko sokubhalisa isiganeko inshorensi. Ukuba yinxalenye iindleko babuyekezwe CASCO kwaye namaxwebhu sele ingeniswe SC "ekhaya", ngoko ke amapolisa ezendlela lingacela iikopi zezatifikethi. Eyona nto ibalulekileyo - ukukhupha inkqubo phambi kokuba ingxelo le amabango UK ekhuphe uhlangothi, ukuya inshorensi ye umsunguli. Kungenjalo imali iya kuncitshiswa kwimali kukuwohloka iinyembezi.

Car Loan

Ukubonelela imali-mboleko yokuthenga isithuthi, ibhanki ingafuna umthengi warranty eyongezelelweyo. Kulo mzekelo, iya kuba CASCO. Xa uthenga ubhaliso entsha imoto yale nkonzo ngpahmbi yingisela. Iibhanki kunqabile ukungena kwizivumelwano ngaphandle inshorensi. Oku kwenzeka kakhulu amaninzi ngexesha promotions.

Xa uthenga imoto kunye igobhogobho mileage akakwazi ukwenza ngaphandle. Ezinye iibhanki bayavuma ukuba ulungiselelo olo, kodwa kakhulu yenyuse irhafu. A iziko credit nomdla imali phantsi kwazo naziphi na iimeko. Kodwa ukuba imoto yabiwa, kodwa akukho inshorensi, kuya kufuneka ke ukuba ukulinganisa iindleko umxhasi,, njengoko ukubuyisela imoto emva kwengozi.

Ukubiza

Abaqhubi bacetyiswa kulo mzekelo ukuze inshorensi imoto kangangonyaka (ukuba ivumele ibhanki) kunye nendlela yokuhlola ukukhangela kuwe kufuneka ukuba umgaqo-nkqubo maxa onke. Ukuba oku akwenzeki, kufuneka enze ngokuvumelana inkqubo eqhelekileyo. Abaqhubi abanamava ukuthenga kunye nalo ilungelo xa CASCO imoto mboleko eya inshorensi ubusela kuphela okanye ukutshatyalaliswa ngokupheleleyo. Abanye kufuneka ukuthenga umgaqo-nkqubo kunye imali encinane isaphulelo.

Ukunciphisa iindleko-nkqubo inokuba kwezinye iindlela:

• Ukunciphisa ixesha intlawulo ukusukela kwiminyaka-5 ukuya kwisi-2.
• Eqinisekisa imoto kuphela kwimali-mboleko, umnatha intlawulo kwangethuba. Emva koko ukubuyisela nalo ilungelo lokuba igobhogobho iya kuhlawulwa kwi inani elifanayo:

(Intlawulo - itsalelwa) * (ixabiso lokuqala auto - advance) / 100.

Ukwenza imbuyekezo

Uninzi ingxelo engentle kwinkampani enxulumene ndiswele ukuqonda kakuhle iinkonzo kuzo zonke iinkqubo nesigama, ingakumbi, yintoni na isibalo e Hull. Kodwa xa ufunda ikhontrakthi ngononophelo kwaye ukuqonda iinkcukacha esivumelwano phambi kokusayina amaphepha, iingxaki uya kuziphepha. Makhe sihlolisise umzekelo iinkqubo zokwenza intlawulo.

Imbuyekezo ukuze lincitshiswe ezitsalwa ezinjalo: ukwehla itsalelwa. Bonke bephela kwakheka kwi ngokwemiqathango yesivumelwano. Ngokusayina amaphepha, umxhasi uyavuma kwaye uyaqinisekisa ukuba iinkcukacha intengiselwano oko eziqhelekileyo.

umzekelo

UMntu oKhuselwe ngeInshorensi kwezithuthi mali ka-500 lamawaka. Thambisani. Isivumelwano wayenza yacaca itsalelwa franchise kwi kumyinge we-1.5% kwimeko yengozi. Ilahleko yi amawaka 50 engange .. Into yokuqala ukuba intlawulo kuya kuhlenga - le hlobo:

50 000 * (1-0,015) = engange 49 250.

Oku kulandelwa kukuwohloka iinyembezi. Iindleko iinxalenye nanceba, zibe kubuyiswa, kuxhuzulwa ubungakanani anxibe isithuthi. Okukhona isithuthi isetyenziswa, kokukhona ipesenti ezi ndleko.

Wokubambisana iindleko zokusilungisa ukuba izikhululo - olu khetho kulawulwa ngokucacileyo ikhontrakthi. Ukuba kubhaliwe kwathiwa le polisi ukhetha izitishi, imali yembuyekezo kuya kuvunyelwana ngummeli lenkampani kunye nesikhululo nkonzo. Kodwa kulo mzekelo, umxhasi akakwazi nokuzethemba umgangatho weenkonzo ezibonelelwa kuye. Ngoko ke, xa kwinqanaba lokusayina amaxwebhu ayimfuneko ukuqinisekisa ukuba isivumelwano zibandakanya ibinzana elithi "izitishi phantsi kweziqinisekiso."

isiphelo

Franchise - sisixa neenkcitho isiganeko benefits aziyi mababuyekezwe yi-UK. Ubukho lwesi sakhi kwisivumelwano kunciphisa iindleko zokuqala kule nkqubo. Kodwa ke imali ke jikani emacaleni abaqhubi bangenamava. Abantu titwa ndzi nga sirhelelekanga elityeni, kunokwenzeka ngakumbi ukuba bangene iingozi. Iingcali ukucebisa abathengi ezinjalo ukuba bathenge nje umgaqo-nkqubo okuza ephakamileyo udushe inshorensi malunga ekuqaleni nganye. Hlobo unako ukusindisa imali kuphela ngabaqhubi abanamava.