Umshwalense wemoto ngaphandle komshwalense wokuphila. Umshwalense wemoto ophoqelekile

Akuyona imfihlo eyaqala ngo-2013, ukufaka inqubomgomo ye-OSAGO yaba yinkinga enkulu. Zonke izinkampani zomshuwalense zinikeza ukuthenga imikhiqizo yomshuwalense eyengeziwe, njengokuphila, umshuwalense wezempilo noma wempahla. Kodwa kuthiwani uma udinga umshuwalense wemoto ngaphandle komshwalense wokuphila nempahla? Kulokhu, uzothola inqubomgomo, kuphela kuzothatha isikhathi esincane ukulinda.

Okufanele ukwenze uma i-OSAGO iyadingeka ngokuphuthumayo

OSAGO - umshuwalense wemoto ophoqelekile. Le nqubomgomo kumele ithengwe yilowo nalowo umnikazi wemoto. Yiqiniso, uma inkontileka idinga ukuphuthumayo futhi ayikho isifiso sokuphikisana nommeleli wenkampani yomshuwalense, khona-ke ungavumelana nemigomo yenkampani futhi uthenge zonke izinsizakalo ezengeziwe.

Uma ungafuni ukuphoqa ngaphezulu, ungasebenzisa i-algorithm elandelayo. Lo mhlahlandlela uzokusiza ukuthenga kuphela inqubomgomo yomshwalense oyimpoqo.

Ukuthenga inqubomgomo ngaphandle kwezinsizakalo ezengeziwe

Isinyathelo sokuqala ukugcwalisa isicelo somshuwalense. Ifomu lesicelo lingatholakala kunoma yiliphi ihhovisi lekhampani yomshuwalense noma lilandelwe kwiWebhu Yonke Yezwe. Isicelo kufanele sigcwalise ngokugcwele zonke izinkambu.

Ngemuva kokuthi isicelo sigcwaliswe, udinga ukwazi inani lenkontileka yakho. Ukuze wenze lokhu, ungasebenzisa i-calculator ye-intanethi, eyethulwa kuwebhusayithi esemthethweni yenkampani yomshuwalense ngamunye. Ukuze uthole ukuthi kungakanani umshwalense wemoto, kuzodingeka ucacise: uhlobo kanye namandla emoto, ukubhaliswa komnikazi kanye nabashayeli abazovunyelwa kubaphathi. Ngemva kokwethulwa kolwazi oludingekile, ukubalwa kuzokwakhiwa ngokuzenzekelayo.

Imibhalo yesicelo

Isicelo kufanele sihambisane namakhophi amadokhumenti: iphasiphothi yomnikazi nomnikazi wezinqubomgomo, i-PTA kanye nelayisense yokushayela. Uma imoto isuphele kuneminyaka emithathu, kuzodingeka unikeze ikhadi lokuxilonga.

Iphakheji lonke lamadokhumenti kufanele linikezwe ummeli wenkampani yomshuwalense. Kulokhu, kufanele ucele ukubhalisa imibhalo bese unikeza ikhophi yesibili yesicelo ngenothi yokwamukelwa.

Ngokomthetho, ngemuva kokwamukelwa kwesicelo inkampani inesibopho sokukhipha inkontileka zingakapheli izinsuku ezingama-30. Ngakho-ke umshuwalense angacela ukunikeza imoto ukuhlolwa okubukwayo (esimweni esihlanzekile). Qinisekisa ukuthi emva kwalezi zenzo uzothengiswa umshuwalense wemoto ngaphandle komshuwalense wokuphila kanye nezinye izinsizakalo ezengeziwe.

Ukuthenga okusheshayo kwe-OSAGO

Namuhla, ukuze uthole inqubomgomo ye-MTPL, akudingekile ukuba uhambele inkampani yomshuwalense, ngoba ungayithenga ku-intanethi. Le nkonzo inikezwa umholi womshuwalense - inkampani LLC Rosgosstrakh. Ukuze uthenge inqubomgomo, udinga ukuya kwisayithi esemthethweni bese uvakashela isigaba esithi "OSAGO".

Okokuqala, umshuwalense wemoto ubalwa. Izindleko zincike ku: uhlobo lwemoto, umnikazi we-propiska, amandla, iminyaka nobude bokusebenza kwabashayeli. Futhi, ungakhohlwa ngesaphulelo ukuthi umshayeli ngamunye uthola ngokushayela ngaphandle kokungaphazamiseki. Ngaphansi komthetho wamanje, umshayeli ngamunye uthola isaphulelo esingu-5% unyaka ngamunye ngaphandle kwezingozi. Isaphulelo sinqwabelana, futhi uma sifinyelela ku-50% asikhulisi.

Ngemva kokubala kubalulekile ukugcwalisa lonke ulwazi oludingekile, cacisa izinsuku bese ukhokha. Kulokhu, umshuwalense wemoto ngaphandle komshwalense wokuphila uyakhishwa. Uma ngabe ufisa, le nqubomgomo ingathengwa futhi kwisayithi ngemali eyengeziwe.

OSAGO kwinkampani yomshuwalense Rosgosstrakh

Uma kungenakwenzeka ukuthola inqubomgomo ye-MTPL nge-World Wide Web, ungaxhumana nanoma yiliphi igatsha lekampani yomshuwalense i-Rosgosstrakh futhi uthenge inqubomgomo. Lona kuphela umshuwalense onenethiwekhi enkulu yegatsha, ngakho ngeke kube nezinkinga ngokukhetha ihhovisi.

Umshwalense we "Rosgosstrakh" wemoto ukhishwa kuphela uma amadokhumenti alandelayo ayatholakala:

• Abalandeli bama-passports of the insured kanye nomnikazi;

• Imibhalo yemoto: I-PTA noma isitifikedi sokubhalisa;

• Ilayisense yomshayeli wabo bonke abashayeli (kuvunyelwe ukubhalisa abashayeli abangu-5 kwinqubomgomo ye-OSAGO);

• Ikhadi lokuhlola uma umshini uneminyaka engaphezu kweminyaka emithathu ubudala.

Ngokusekelwe kumadokhumenti, ummeleli wenkampani yomshuwalense uzokwenza ukubalwa kokuqala futhi azomemezela ubukhulu bomshuwalense womshuwalense. Kuphela emva kwemvume yomnikazi wezinqubomgomo kuyobe ikhishwa inqubomgomo ye-OSAGO.

Umshwalense owengeziwe

Lapho uhlela inqubomgomo ye-MTPL eyimpoqo, zonke izinkampani zomshuwalense ziphoqa ngokuqinile ukuthenga inqubomgomo yomshuwalense wokuphila. Uma ucabanga ngokucophelela, lokhu kuyindlela enenzuzo kakhulu yomshuwalense wokukhokha okungenani. Ngenxa yalesi senqubomgomo, ungalindela isinxephezelo esifanele uma kwenzeka umcimbi ophephile.

Ngokwesilinganiso, ama-ruble ayisishiyagalombili kuya kwangu-13 kuya ku-13 ngumshuwalense wemoto. Izindleko zemshuwalense wezempilo eyengeziwe kuphela ama-ruble angu-1-2 kuphela. Kuvela ukuthi umshayeli ngamunye uthenga inqubomgomo ebiza futhi uqinisekisa abanye abahlanganyeli engozini, kodwa akhathaleli ngempilo yakhe. Ngakho-ke, kubalulekile ukucabanga ukuthi ukuthenga umkhiqizo womshuwalense owengeziwe ukuzivikela engozini.

Amasu ezinkampani zomshuwalense

Izinkampani eziningi zomshuwalense, ukuhlela umshuwalense ngezinsizakalo ezengeziwe, iya ezinkingeni ezincane. Enye yazo ukwenqaba ukubhaliswa okusheshayo. Amakhasimende angafuni ukuphoqa ngaphezulu kufanele anikeze imoto ukuhlolwa okubukwayo futhi abhalisele emgqeni wokuthola imvume.

Lesi sidingo sichazwa ukuthi kukhona umnyango womshuwalense wemoto kuphela nomshuwalense wokuphila, lapho yonke into isungulwa khona umzila, futhi kukhona umnyango womshuwalense we-OSAGO kuphela, odweba kuphela kwirekhodi.

Ezinye izinkampani zisho ngokushesha iklayenti ukuthi umklamo uzoba nezinsizakalo ezengeziwe. Uma iklayenti yenqaba, ummeleli wenkampani yomshuwalense uyalinganisa futhi amemezele ukuthi izaphulelo azihlolwanga kwi-PCA eyodwa, lapho kungenakwenzeka khona ukwenza isivumelwano.

Kuvela ukuthi inqubomgomo ye-OSAGO ayilula. Umshuwalense wezimoto kuyisidingo esisungulwe ezingeni lesishayamthetho, esenza abashayeli abaningi bakwazi ukubhekana nenqubo eyinkimbinkimbi yemvume.

Umshwalense ofanelekile

Kuvela, ukukhipha inqubomgomo ye-MTPL ngaphandle kwezinsizakalo ezengeziwe, kodwa kunzima. Ukulondoloza imali, udinga ukubhekana nomshuwalense kusengaphambili, inyanga ngaphambi kokuphela kwesikhathi somshuwalense.

Ukuze wenze lokhu, thumela isicelo kanye nephakheji elidingekayo lamadokhumenti kwinkampani yomshuwalense bese ulinda uze umemezelwe umshwalense nokuhlolwa kwemoto.

Umshuwalense wemoto ngaphandle komshuwalense wokuphila uzokwenziwa ngokomthetho, futhi uzokwazi ukuhamba ngemoto yakho ku-insured.

Uma kunokwenzeka, kungcono ukusebenzisa insizakalo yomshuwalense bese uthenga ifomu lomshwalense oluphoqelelwe ngekhompyutha. Lokhu kusindisa isikhathi kuphela, kodwa futhi nemali.