Hull umshwalense nge ezikhokhiswayo - kuyini? Kanjani a Franchise e Hull?

Ngaphambi ukuze ukuthathelwa umshuwalense imoto, kuwufanele kakhulu sokuba bajwayelane imigomo eyisisekelo ukuthi asetshenziswa le nqubo, ngokukhethekile "Franchise". Umshwalense ejenti ziyadingeka ukunitshela zonke izinzuzo inqubomgomo wenzuzo. Kodwa hhayi iqiniso lokuthi uchaze umehluko wemisindo nemiqondo yamagama ngokusebenzisa nezigqoko nge franchise. Yini-ke nokuthi kulokho imigomo ekhishwe le sevisi, funda kabanzi kulesi sihloko.

definition

Ezikhokhiswayo - inani lemali ukuthi umuntu kufanele akhokhe bebodwa uma umcimbi insured. Kungase kushiwo ku% noma ngokuya ngokuphelele. Usayizi Its bavumelana kusengaphambili futhi ebalulwe inqubomgomo. Ikhasimende uthola isaphulelo, uma uvumela ukuthenga isigqoko ezikhokhiswayo ka RESO.

izinhlobo

Franchise okunemibandela: zonke izinkokhelo ukuthi idlule lingakanani, inkampani inxephezelwa ngokugcwele. Kodwa uma imoto kubiza ukululama okuncane, ngomshuwalense uzothola lutho ngaphansi kwale pholisi. Isibonelo: franchise kuyinto ruble 10 000, kanye ukulungisa izindleko - ruble 8000. Ngokwe imigomo yenkontileka kuleli cala, iklayenti engakutholi lutho. Kodwa uma lemali izindleko ruble ayizigidi ezingu-12, i-umshwalense ivala isikhala umonakalo ngokugcwele futhi ngeke susa ukubaluleka franchise. Ekusebenteni, le ndlela alisetshenziswa njalo, ngoba ngokuvamile ukukhwabanisa itholakala uma ikhasimende kwandisa ngqo inani umonakalo ezingeni Franchise.

Ngokuvamile amakhasimende bakhetha ukuthenga umshwalense CASCO nge ezikhokhiswayo. Kusho ukuthini? Kunoma ikuphi, ikhasimende uzothola isinxephezelo umshwalense lokususa inani elinqunyiwe (Franchise ngokuphelele). Isibonelo: kwinqubomgomo lelipelwe franchise in inani ruble 3000. Isamba izindleko izimoto ekubuyiseleni - ruble ayizigidi 10. Iklayenti uzothola kuzo ruble 7000 kuphela. Inani elisele wayeyoba isinxephezeliso bebodwa. izinqubomgomo ezinjalo uthenge kaningi.

nezithasiselo

CASCO umshuwalense nge ezikhokhiswayo sinemibandela kuyinto zezinhlobo ezimbili. Ingxenye izindleko ukuthi iklayenti uzolulama bebodwa, ungaboniswa njengoba nemali ethile noma amaphesenti. Esimeni sesibili it is kunakwe ukuwohloka kwamangqamuzana. Umthamo franchise kanye eside ukusetshenziswa ziyahlukahluka ngokulingana oqondile.

Isibonelo: ukusetha inqubomgomo CASCO umshuwalense ezikhokhiswayo in inani 15% inani umonakalo. Ukubuyiselwa izimoto kudingeka ayizinkulungwane 50. Hlikihla. Lenkampani (IC), iklayenti uzothola 50 * (1-0,15) = 42,5 inkulungwane. Deda. A ezisalayo - 7.5 - akhokhe ngokuzimela.

Nansi indlela Franchise e yomshuwalense sikebhe.

Okuhle

Kuye isimo, ukushayela nakho, izidingo kanye namathuba amaklayenti letinchubomgomo kunezimo eziningana ezisivunayo.

1. Le imali ku ukuthengwa. Inqubomgomo nge ezikhokhiswayo uhlale ezishibhile ngaphandle kwalo. kwehliswa ukubaluleka ngokuvamile ekabili of a inani elimisiwe. Ikakhulukazi kuba obonakalayo kuleli kubiza abashayeli abasha (abangaphansi kweminyaka emibili). Kubo, ngokuvamile esungulwe multipliers. Isaphulelo kwandisa ngokulingana nani. Bala izindleko cishe kwenqubomgomo, ungasebenzisa wokubala inthanethi kwi-website ye inkampani yomshuwalense. Kodwa ukuthola umkhiqizo elinjalo, kuyafaneleka-ke ukuqaphela ukuthi kungenzeka ukuthi ingxenye izindleko noma kunjalo kuyodingeka nxephezela ngokwabo.
2. Londoloza isikhathi. Ukuze imihuzuko elincane emzimbeni, noma ezinye ukulimala iklayenti ngeke babe ukuxhumana inkampani ukuthola isinxephezelo. nokubuyisela ezikhokhiswayo ka CASCO ezimweni ezinjalo singanikezwanga.
3. Ngokwezibalo, izimoto nge ekhokhela kancane uthole ingozi yemoto. Isebenza isici ngokwengqondo. Umshayeli uyaqonda ukuthi ngisho imoto futhi oVikelwe, kodwa ingxenye izindleko ke kuyodingeka isinxephezeliso bebodwa. Singasho ukuthi franchise kwenza abantu ukuphatha imoto ngokucophelela.

Kuzuzisa Insurance Company

Ukuba khona franchise ilulondoloza ekutheni ukusebenzisa tape obomvu ukuze ukhokhe isinxephezelo ezincane ama-ruble ayizigidi 2-3. Mechanism design imibhalo ihlale ifana. Kodwa le nqubo izindleko kungaba kakhulu idlule nenani lenkokhelo uqobo. Hull nge franchise konga izindleko kwabefundisi. Lona inzuzo yokukhathazeka yekhasimende. Umuntu akudingeki ukuba njalo ukupheka iphakethe kwemibhalo ukuze uthole imali e-UK. Ikakhulukazi kufanele acabangele ukuthi inqubo yokubhalisa kwamatayitela uma imoto kumele lilungiswe, kungase kuthathe izinyanga eziningana.

ezinye izinketho

Ngaphandle kubhekwe franchise bendabuko, SK ezihlinzekwa ezinye izinqubomgomo. Ahloselwe izigcawu ezithile amakhasimende.

Dynamic Franchise sikebhe noma wenkokhelo kusuka esimweni sesibili. Ingqikithi kulesi siphakamiso wukuthi i-akhawunti yokuqala umonakalo reimburses UK ewonke. Eyesibili iqala ukusebenza Franchise. Ngezinye izikhathi kuba ukwanda ngamaphesenti ukwelashwa iklayenti ngamunye e-UK. Ngesikhathi esifanayo ukuthi singakwazi ukushintsha e umkhuba oqhubekayo wokubuka weJiyomethri.

ezikhokhiswayo encishisiwe isetshenziswa kuphela uma obhekene ingozi akuyona amaklayenti. CK ubophekile ukuba kulungiswe umonakalo, ngisho noma omunye umshayeli wabe esekhala amaphepha.

Kuye isikhathi uma umcimbi insured okwaqala ngayo, a sikebhe olulodwa nge ezikhokhiswayo lingasetshenziswa. Kusho ukuthini? Izinketho Inqubomgomo apelwe ningakhathaleli nje kuphela umonakalo, kodwa futhi isikhathi lapho kuphakama isidingo. Uma umcimbi insured iphutha ngokushesha noma kamuva, iklayenti ukhokha zonke izindleko ngokwabo.

Isibonelo: umshayeli isebenzisa imoto kuphela ngezinsuku zeviki. Ngaleyo mpelasonto, bathuthela ezokuthutha zomphakathi. Uye wanquma ukukhipha CASCO Franchise yesikhashana. Uma umcimbi insured kwenzeka on a zaphakathi nesonto, inkampani ivala zonke izindleko. Kodwa uma umshayeli ingena engozini ngeSonto, imali wokubuyiselwa izimoto kuyodingeka bakhokhe ekhukhwini.

Lapho hhayi ukuthenga inqubomgomo

• Lapho nokutholakala kwezinsiza mahhala engxenyeni ezimele izindleko. Isaphulelo enikeziwe uma uthenga inqubomgomo, ngeke nje sisetshenziselwe ukulungiswa. Kodwa umcimbi insured kungenzeki. Khona-ke inzuzo isobala.
• Ukuqiniseka amakhono ukushayela futhi ukutholakala eside elingenazinkinga isipiliyoni. Uma umshayeli kunjani inhlanzi emanzini beshayela, ke Hull inqubomgomo nge ezikhokhiswayo ungagcina imali. Amathuba ingozi sihlala sikhona. Kodwa uma ephephile ukushayela isitayela wazibonakalisa eminingi isipiliyoni, franchise kuzosiza ugcine ingxenye ibhajethi umndeni.
• sikebhe Okugcwele kuhlanganisa "Ukulimala" futhi "ukweba". Ake sithi iklayenti ufuna oVikelwe kuphela ingozi kuqala, ngoba beqiniseka amakhono abo kanye imihuzuko elincane emzimbeni ngeke unake. Khona-ke kubalulekile ukuba ukuthenga Hull egcwele nge Franchise elikhulu (7% noma ngaphezulu), i-uhlawula "Ukulimala". "Ukudunwa" kungenziwa oVikelwe akubona bonke izinkampani, noma kunalokho, isevisi itholakala iphakheji nezinye. Ngakho-ke, ezimweni ezinje kubalulekile ukuthola inqubomgomo egcwele.

Lapho franchise ukunikeza

Ngokwezibalo, le sevisi kungeyona amakhasimende inzuzo, ubani ngokuvamile bazithola bese kuba nengozi. Kahle kahle, lokhu kusebenza mfunda-makhwelo abashayeli labo ungazethembi lapho beshayela. Abantu abanjalo zingcono ukuthenga umshwalense ngesikhathi intengo ephelele, ikhumbula zonke izinto. Minor izingozi amaklayenti olunje izikhathi eziningana ngenyanga.

Kungakhathaliseki franchise elusizo

Ezimakethe kunezinhlobo ezahlukene izinqubomgomo ezingase zifaneleke ezinye amakhasimende. Abashayeli abanolwazi ukuthenga kangcono CASCO egcwele, okuyinto enhle ngokuphelele yimuphi umonakalo obangelwa besithathu. Abantu abanale amalungelo muva unikezwa, kufanele sinake umshwalense nge Franchise ashukumisayo. Isaphulelo Big kubo singanikezwanga, kodwa isici ngokwengqondo isazoqhubeka ukusebenza. Abashayeli ingozi zawo ezinkulu amathuba okweba noma ukoniwa, kungcono ukuthola CASCO nge isamba esiphezulu franchise, isibonelo, uhlelo "50 kuya ku-50."

Isilinganiso amanani

IC ngamunye ngokwayo sinquma umkhawulo kuya umonakalo. Ezimweni lapho ezikhokhiswayo kuzosetshenziswa 0 noma 100%, kuyinto evamile. Kodwa ngaso sonke isikhathi wenza umthetho ofanayo: ephansi ukubaluleka kwento, aba maningi izindleko kuyodingeka nxephezela ikhasimende. Hull ezikhokhiswayo ka RESO ngokuvamile enikeziwe ngaphansi kwale mibandela: 0.5-1% yezindleko ukubuyisela imoto ngenxa zomgwaqo, izenzo ezingekho emthethweni sabanye abantu, futhi 5% ingozi ukweba is offset yikhasimende. Uma lokhu izindleko sihloko 0%, bese intengo inqubomgomo izimoto ezibizayo lingafika ku-6% yezindleko imoto, yasekhaya - 3.96%.

Credit Car Insurance

Qonda yonke ezicashile Inqubomgomo sisenjalo namanje. Ikakhulukazi uma imoto uthenge ngesikweletu. Amabhange kufanele uhlu yabo abalingani-izinkampani zomshuwalense, okuyinto evunyelwe ngaphambilini imigomo nokubambisana. Isivumelwano ne izinkampani ngobukhulu emakethe, amakhasimende ukuthenga e OJSC "Sberbank" CASCO. Franchise ngemisebenzi enjalo inikezwa nsuku saziso. Nakuba izindleko inqubomgomo zingancishiswa ngaphandle okwandisa izingozi wayo. Ngokwesibonelo, uma iklayenti ufuna ukuthathelwa umshuwalense imoto kuphela isamba semalimboleko, ie 70-80% we intengo imoto. Kodwa kulokhu, ibhange uzobe ngaphezulu avikelwe. Inkokhelo kuyoba ezilinganiselwe usayizi loan lokususa franchise. Uma lokhu idluliselwe ku-akhawunti noma isevisi, okuyinto ehilelekile ukubuyiselwa imoto, noma uthi lokubeka imbiza, uma imoto intshontshiwe, noma ubhujiswe ngokuphelele. Kodwa uma lemali yokukhokha awubhekene ibhalansi yemali ebolekwayo, iklayenti ngeke kusadingeka ukhokhe izikweletu ekhukhwini lakhe.

UNgoqo okhokhela kabili

Lapho ejenti uthi: "Singabantu kancane wehlise izinga wena", iklayenti kumele baqonde ukuthi kuleli cala kuyodingeka isinxephezelo ingxenye enkulu izimali ngokwabo. A ekulondolozeni encane kusaqalwa lubonakaliswa okwandisa izinga (isamba) we-franchise. Ngeshwa, isiko umshwalense eRussia ampofu. Ngenxa yokuthi abantu abaqondi ngokuphelele okushiwo zonke imiqondo nobudlelwano obuphakathi yokukhokha kanye ezikhokhiswayo, uyavumelana ne-isiphakamiso sokuthenga amanxusa umshwalense nge 5-10% we izindleko zomuntu siqu.

50 ku-50

Kuphela MTPL ezikhokhiswayo fixed kusengaphambili. Kodwa kulokhu imoto insured yokuthi kwakungase hit othile. Ngokuvamile, abashayeli ukuthatha kule nqubomgomo esingashintshi kuze kufinyelelwe esikhathini ukuhlolwa. Ngakho-ke, esiyinhloko intengo zabo umusa. Isebenza umthetho ofanayo. Ukwehlisa intengo inqubomgomo, UK kwandisa franchise. Kodwa umshwalense enjalo angase afanelekele kuphela abashayeli abanolwazi. Kodwa kokubili bona iphutha yabo kuphela uma umcimbi insured, lapho kuvela ukuthi inqubomgomo ihlanganisa-50% kuphela izindleko.

isiphetho

Ukuze ukuthathelwa umshuwalense imoto kusuka umonakalo ukuthi singasetshenziswa ngenxa yezenzo besithathu, kumelwe uthenge inqubomgomo nge Hull ezikhokhiswayo. Kuyini lokhu? Esimweni engozini iklayenti ungaxhumana inkampani yomshuwalense for nokubuyiselwa izindleko ukutakula imoto. Emva ukubhalisa bonke yokukhokha izibambiso zizokwenziwa ngaphakathi kwemikhawulo isamba oVikelwe, kodwa lokususa ezikhokhiswayo. Lokho, umuntu kwesamba namanje athwale ingxenye ukulahleka, kodwa ubukhulu babo ngeke ibhaliswe kusengaphambili ku yenkontileka njengendlela inani elimisiwe noma amaphesenti.