Umshuwalense imoto: design, ukubala

Ukuthenga imoto kuhambisana eziningi izinqubo ukuthi kudingeka kwenziwe. Lezi zihlanganisa nesokuphela kwalesi inkontileka yokuthengisa (isipho, ifa, nokunye. P.) Futhi MOT pass, kanye yomshuwalense imoto, futhi ukubhaliswa ku amaphoyisa omgwaqo MREO. Niwayise zonke izidingo ukuba zihlelwe ngokunembile le oda, kungenjalo isinyathelo esilandelayo uzothunyelwa iphuzu aphuthelwe.

Ake sicabangele lokho motor wesithathu umshwalense, futhi noma yini ehlangene nakho.

imithetho umshwalense

umshwalense Car Kuphoqelekile ezweni lethu. Ipholisi yomshuwalense kuyadingeka ukuze uthole zonke izinhlobo zezimoto. Okukhishwayo kuphela imoto ngubani, ngenxa izici lobuchwepheshe musa ukuhamba ngisheshe ukwedlula 20 km / h, noma basonta Ministry Defense akavunyelwe ukusebenza.

Uma kudingekile, ungakwazi ukuthathelwa umshuwalense imoto endaweni ehlukile, okungukuthi. E. Lutho neze isikhathi sokuhlala kwakhe. Kulokhu, kuyinto efiselekayo vele ukhethe inkampani noma ehhovisi, etholakala kule ndawo kuphela, lapho uyobe njalo ukusebenzisa imoto ngonyaka ozayo (noma nanoma iyiphi imigomo izenzo Inqubomgomo).

Ukuntuleka kokukhulumisana yomshuwalense ku zokuqala ezingu-10 ngemva isiphelo sesimiso inkontileka sokuthengisa akuyona ezisengozini, isimiso, lutho kodwa isixwayiso esivela amaphoyisa omgwaqo, okungukuthi, kuze kube izinsuku ezingu-10 - .. Umnqamulajuqu kokuthola wonke amaphepha adingekayo. Kodwa njengoba izidingo saziso umshuwalense auto, inhlawulo lokungalandeli umthetho, lapho abasebenzi-stop order, ingatholakala. Iyoba ruble 800. Futhi lokhu kuzoqhubeka kuze kube ikhishwa umshwalense.

Kuphi ukuthathelwa umshuwalense imoto?

Umshuwalense imoto eyenziwe noma igatsha sephrofayela lenkampani, okuyinto abahlanganyela kulo msebenzi. Lezi zinhlangano manje lenqwaba, kodwa kungcono ukukhetha owaziwa futhi kungase kutholakale ukuthi lapho umcimbi insured awuhambanga ngaphandle lutho. Isenzakalo esidume kunazo zonke phakathi kwabo: Rosgosstrakh, Ingosstrakh, "intouch", "Renaissance" nabanye.

Yini imibhalo kudingeka

Umshuwalense imoto senziwe yiluphi uhlelo. amadokhumenti alandelayo kule nkampani kukhethwe umshwalense:

1. iphasiphothi Russian.
2. ilayisense yokushayela.
3. PTS.
4. Ikhadi Yokucwaninga ngedatha ekhona ukuhlolwa.
5. I inkontileka sokuthengisa (isipho, nokunye. N.).
6. Amandla nommeli (uma ukuthathelwa umshuwalense imoto hhayi eyenzelwe wena).

ongakhetha umshwalense

Umshuwalense imoto ikhona 2 ingxolo MTPL futhi CASCO. Umshwalense lapho uthenga imoto (entsha) kusuka imoto nomthengisi uthatha uhlobo Hull nakanjani. On the b / imoto kungenziwa ikhishwe MTPL noma CASCO ongakhetha kuzo.

Ngesikhathi umshwalense CASCO esifanayo kukhona izinhlobo ezimbalwa ukuthi izinkampani ezahlukene anamagama ahlukene. Ngokwesibonelo, miniKASKO - Ukuvikelwa kuphela ngengozi, okwenza ingxenye lemali, kanti bonke abanye ikhokhelwa ngaphezu kwalokho esimweni umcimbi kwesamba.

umshwalense MTPL

I kuyindlela elula kakhulu nengabizi umshwalense inketho. CTP ivikela kuphela imoto uma yokudala ingozi yemoto (ukweba, ukonakalisa, kanye CTP ayiwavikeli nezinto ezifana nalokho, naphezu imibono ehlukene, kanye umshwalense ngeke ukhokhe lutho).

Manje wonke amagumbi ungathola elithi "umshuwalense auto CTP." Rosgosstrakh nezinye owaziwa futhi sekuyisikhathi eside besebenza emakethe lenkampani, kanye inani elikhulu abameli abangabhalisile belulekwa ukusebenzisa ehhovisi elincane. Kungcono ukukhipha umshwalense kuyabiza, kodwa endabeni lokho ncamashi ukuthi uthole imali yakho.

umshwalense CASCO

CASCO - a umshuwalense, okuyinto zivikela ukweba noma umonakalo, inkampani yomshuwalense ukuhlinzeka ehluphayo ukweba noma bayazilimaza imoto ukhokhe amademeshe.

Ezimweni Insurance lapho sikebhe izenzo:

• Collision nomunye imoto.
• Sondeza ku izinto nezilwane.
• Ukuvula umshini ngenxa yengozi.
• umonakalo Vehicle izinto bewile kuye, kuhlanganise izihlahla, amagatsha, iqhwa noma ice ebusika, kanye nokuphathwa wezimpahla imisebenzi.
• izinto Khipha kusukela ngaphansi amasondo enye imoto ehambayo eduze kwakho, kuholele ku ukulimala izingxenye imoto noma yokudala ingozi yemoto.
• Babecwiliswa emanzini ngenxa yezikhukhula isimo sezwe, imigwaqo ukwehluleka, phumela nolwazi noma idiphu emanzini ngaphansi eqhweni.
• Emlilweni, ukuqhuma.
• ukulimala ngabomu noma ongahlosile noma ukubhujiswa imoto, ukweba yizinkampani zangaphandle.

CASCO umshuwalense ukuze izimoto asisebenzi kwalezi zimo:

• Ukulimala imoto ekuphathweni umuntu wesithathu (ngaphandle / y, hhayi alotshiwe Polis, esimweni zokudakwa).
• Ukuphathwa udakiwe.
• Ukulimala disc, upende nokunye. D. (Uma akuphazamisi kwezinye izingxenye imoto).
• Theft amasondo kanye number plate (uma ukweba kwenzeka ngaphandle kokuyekethisa imoto).
• Theft semoto (inqobo iphaneli rekhoda lasala umshini).

Lokho okwakudingeka ukuze kukhokhwe umshwalense

Izindleko umshwalense incike izakhi eziningana:

• TS okukhipha e l / s.
• Ubudala nokushayela nesipiliyoni yomnikazi imoto (abantu abaneminyaka engaphezu kuka-21 futhi okuhlangenwe nakho kuka-3 iminyaka umshwalense ushibhile kuno ngoba oneminyaka engu-20 ubudala abanolwazi 1 unyaka).
• Isibalo abashayeli kungenzeka (lapha kuwufanele ucabangela lokho ozokwenza umshwalense ngaphandle kwemingcele kuyoba ezishibhile ufake kwinqubomgomo abantu abangu-3).
• lwezokuphepha loMbuso (ezindaweni ezimaphakathi, ngokuvamile kuyabiza ngaphezu esiqhelile ngaphezulu).
• Elingenazinkinga ogibele (uma ungatholi ngesikhathi kwehla ingozi yomgwaqo, umshwalense wakho izobiza esingaphansi labo njalo ku iphutha layo siqu kuba iphathi kule ngozi).
• Seasonality (akhiphe eyodwa noma ezimbili isizini, bese ukuvuselela kubize kakhulu kunalezo Umklamo wonke ngonyaka ngesikhathi esisodwa).

Bala izindleko yomshuwalense angasebenzisa yokubala ku-intanethi.

Kushiwo ngamuphi umqondo ukuthi isinxephezelo for umonakalo?

Ukuze bathole inhlawulo yemali, udinga ukuxhumana inkampani yomshuwalense ukuthi ikhishwe inqubomgomo kungakapheli izinsuku eziyi-14 ngemuva kwengozi.

Kulokhu, zikhona 2 izinguqulo izenzakalo: iziteshi wokulungisa yomshuwalense kusukela umshwalense (eziteshini futhi inkampani usayine inkontileka ukusiza ukunikeza izinkonzo izimoto). Kukhona zombili emihle nemibi. Plus yokuthi umnikazi akudingekile ukubheka uwuyise lapho uzolungiswa khona. Kodwa ukulungiswa zingase zephuze, imoto kungaba isikhathi eside bangayeki, kodwa ukwenza kube bubi nakakhulu manje kunaseminyakeni. Ngakho-ke kufanele ngcono ukuze uthole inkampani yomshuwalense ukuthi bakhokhe imali.

Phezu okuvela umcimbi kwesamba ukunikeza inkampani yomshuwalense kudingeka madokumende alandelayo:

• Inkontileka umshwalense (original);
• ilayisense yokushayela (ikhophi);
• Isitifiketi sokubhaliswa imoto;
• Imibhalo evela amaphoyisa omgwaqo noma ezinye izakhiwo podtverzhdyuschie Eqinisweni kwenzeka (okwangempela);
• Lasekuqaleni noma ikhophi protocol kubonisa uhlu izingxenye kanye izingxenye okuye indawo, izinto zokwakha kanye ikhokhwe ngabo kufana invoice yasekuqaleni futhi imibhalo ukuthi uqinisekise yokuthi sekukhokhelwa bonke ngenhla, uma kunesidingo.

Uma une-auto umshwalense CASCO, futhi kufanele unikeze madokumende alandelayo:

• Original invoyisi ikhokhwe kuhlengwe imoto, uma ikhona.
• Uma umshini lilimele noma ngeke ibuyiselwe ngenxa izinhlekelele zemvelo, kuzothatha idokhumenti umzimba federal obhekene kokuqondisa isimo imvelo.
• Futhi, inkampani yomshuwalense kungadinga isinqumo phezu ukumiswa noma ukunqanyulwa sokwenza uphenyo icala lobugebengu liye, ikhophi icala, futhi imiphumela, lapho ngihlolwa, uma ibanjwe.