Inishuwarenzi mari - Mari shoma iri inishuwarenzi ...

Pfungwa inishuwarenzi mutengo rinoshandiswa waidzora pamutemo ukama pakati akasimba-insurer uye insured, munhu kana sangano.

Pakusarudza mari inishuwarenzi

The ukoshi inishuwarenzi - kukosha kuti anosarudza kukura muripo kubhadhara uye zvachose mari mutemo. Ndiro ukoshi chaiyo imwe chepfuma rinoshandiswa kuti inishuwarenzi kwayo. Kuitira kuona chinangwa nhamba, Kutenga kupima inishuwarenzi. Midziyo nokukoshesa angava:

• zvinhu nomumwe pfuma.
• Motokari.
• Housing.
• Land.

The Kukoshesa mugumisiro unoratidzwa chibvumirano inishuwarenzi kubudikidza yakawiriranwa chibvumirano uye hazvigoni kukundwa mapato, kunze vanenge Mazvokuda sumo iri chekambani anotsausa - basa Provider nemhosva. Kuona chokwadi Rigging mashoko insured ukoshi chokuita insured anogona nokupomerwa.

Inishuwarenzi yokufambisa uye uwandu inishuwarenzi kubhadhara haagoni kuva kupfuura chaiko mutengo wacho insured chinhu.

Nzira dzinoongorora mutengo inishuwarenzi

Kuti uone chaiyo Mari inishuwarenzi kuita zvinotevera wakatarwa nzira:

• Zvinonzi pakutsvaga chaiko kukosha chinhu panguva yaro kutora. Kuti aite izvi, ari insurer vanosungirwa kuzviisa uchapupu muripo: macheki, pakutengeserana, chibvumirano waakazvitengesa, nyora mutengo inotengeswa kuti kupinza zvinhu, tsika kuzivisa.
• Kuona kukosha kuita kuti chokuudzwa ari mugadziri uyewo Munongedzo nguva nenguva mabhuku nhumbi.
• In dzinoongorora pfuma inoongorora avhareji musika mutengo kuti zvakafanana ehupfumi munharaunda iyi.
• Kuongorora kukosha chinhu inobvira kunobatanidza yakazvimirira nyanzvi.

Kuguma chibvumirano inishuwarenzi

Mushure Pakusarudza kukosha chinangwa inishuwarenzi chibvumirano, izvo zvinofanira kusanganisira:

• The insured kukosha pfuma.
• Mari inishuwarenzi itsika.
• Huwandu nokutongwa pamusoro kubhadhara mipiro, kukura kwavo.
• Nguva kondirakiti.
• Kukosha vachibhadhara apo insured chiitiko.

chibvumirano The inishuwarenzi uchapinda simba pazuva mushure inishuwarenzi shoma muripo, kana muripo unoitwa mari. Kana asiri mari muripo chiridzwa uchapinda simba mushure okuverengwa kubhadhara mari kuti nhoroondo kambani-insurer.

inishuwarenzi urongwa

Mari inishuwarenzi zvinosiyana zvichienderana chinhu inishuwarenzi, ano inishuwarenzi rates, vakasarudzwa chirongwa pangozi nhau, shoko raJehovha mutemo chiito, kuti ndingangokuvara panowanikwa insured chiitiko.

On zvirongwa rokumanikidzirwa inishuwarenzi chiito murau nokugamuchira mitemo yeUnited inokosha. Somuenzaniso, hurumende unopisa tariffs, kuti rokumanikidzirwa mudyandigere inishuwarenzi, CTP zvirongwa.

Nokuti kambani inishuwarenzi yokuzvidira, kuti insurer kodzero kumisa pacharo uye chengetedza inishuwarenzi rates, uyewo kukura inishuwarenzi.

Unofanira kufunga mari gore inishuwarenzi, kureva zvachose mutengo mitemo yokuzvidira inishuwarenzi kwemwedzi 12. Kuguma zvibvumirano pfupi ichava anodhura, pamwe ukoshi nguva kwemwedzi 12 uchagona kuponesa.

pagore negore inishuwarenzi

Pane achiri mudyandigere inishuwarenzi. The ukoshi inishuwarenzi wegore ichaongororwa kuva muunganidzwa vachibhadhara zvose kuti mudyandigere Fund, iro rose gore achaita kuti mushandirwi nokuda mushandi.

Kana chibvumirano kunokosha kuteerera mwero nezvaro rwacho:

• Huwandu kubhadhara nguva inishuwarenzi.
• The pamazita kacho, kunze pasi iyo muripo haazogumburwi.
• Kutyorwa nokuda insurer, izvo zvingaita kuti nokumunyima basa uye kugumiswa kondirakiti.

The ukoshi inishuwarenzi mumotokari

zvibvumirano repair inishuwarenzi yakanyanya kuzara. The ukoshi inishuwarenzi motokari - kukosha, iro rinowanikwa maererano zvinotevera zviratidzi:

• Ita uye gore gadzira mumotokari.
• The kwokutanga mutengo.
• Kukosha run.
• Technical ezvinhu.

Muridzi motokari pakupera chibvumirano kupa mabasa anofanira kupa Technical Data Pepa muchina, kuti rugwaro kupfuura rokuongorora, kuti mitemo dzokutambura nguva. Kuongorora mamiriro vanofanira ndiongororwe kambani mazvikokota insurer. Cars vakuru nemakore gumi inishuwarenzi havasi pasi.

Chii zvarinoita mutengo inishuwarenzi motokari?

Pakusarudza mutengo gwenya inishuwarenzi nemaitiro uye uwandu nhau aishandiswa nechigadziko mwero uye mamwe zvinoongororwa kufungwa:

• Makore mutyairi uye ake kutyaira ruzivo.
• Regional nomumwe zvibodzwa nomumwe munzvimbo yacho uye kunoenderana kakawanda petsaona mukati miganhu. Yepamusoro mumaguta, yakaderera kumaruwa, rurefu kukosha mutemo magadzirirwo achaita mari yakawanda.
• ari seasonality chikonzero.
• The bhonasi zvazvingava rinowanikwa kana muridzi wemotokari anobudisa inishuwarenzi zvakafanana kambani kwenguva refu kwenguva. Pane kugara kubva imwe kambani imwe achapiwa dzaona Malus coefficient uye mitemo mutengo ichamuka.
• Factor tsaona nemhaka mutyairi: kana ari kumwedzi inishuwarenzi rapfuura, mumwe mutyairi yarova pakaita dambudziko kuburikidza yavo mhosva, kunyoresa achaita mari yakawanda.
• gwenya simba chikonzero rinowanikwa maererano nokuwanda horsepower, vakanyorwa motokari kunyoresa gwaro.
• Kuderedza chinhu zvinosiyana zvichienderana sei vanhu vakawanda kuvadzinga motokari iyi.

Kana achiita mutemo Chikomo anowedzera kufungwa, kana chokufambisa pamusoro garandi uri munyengeri chitoro kana garandi nguva rapera, mitengo kugadziriswa uye kupembedza nhengo. Zvinofanira kurangarirwa kuti makambani akawanda kufungawo kana waita Hull iyo Anti-kuba aramu hurongwa kuiswa mumotokari, uye mutengo basa achizosiyana zvichienderana ukuru rakavimbika yakaoma Anti-kuba michina.

Mari inishuwarenzi shoma

Mari kuti mutengi mubayiro kuna insurer kubhadhara mabasa inishuwarenzi, akadana ari shoma. Maererano inishuwarenzi mupiro ukoshi - kukosha, iro rinowanikwa inobva Mari mutemo, uye rinogona vakabhadhara sezvo bundu Nemutengo uye pamwedzi panguva inishuwarenzi. Unogona kubhadhara inishuwarenzi shoma nokuda mari uyewo kumahombekombe chinja.

Kana rendi yacho inishuwarenzi shoma rinowanikwa pamusoro kukura kwayo mutero rate:

• Net zvazvingava pakutsvaga mukana ari insured chiitiko.
• zvazvingava Gross rinosanganisira kururamiswa chinhu, uyewo mutoro, kureva mari yacho insurer wacho chakakonzerwa namaneja pakupa rubatsiro, zvisingafanoonekwi mari asina chokuita paumbwe inishuwarenzi Fund.

zvazvingava Net ndiyo paumbwe mari yacho inishuwarenzi iyo chiitiko insured uchava kuripwa insured.

mubhadharo inishuwarenzi

Kuripwa mutengo inishuwarenzi - ndiyo mari kuti rwakabhadharwa kuna insured munhu kana insured chiitiko. Kazhinji, ndizvo zvimwe chikamu chezvinhu insured kukosha pfuma. Figure kunobva mari mutemo, chirongwa nhau uye mutero rates njodzi inishuwarenzi, nezvaro kondirakiti. muripo inishuwarenzi Sizes zvinosiyana zvichienderana ukuru zvakakanganiswa yacho, kufungisisa depreciation kusakara. The nzira uye uwandu vachibhadhara raanotaura kondirakiti. Nechinangwa kuripwa insured vanosungirwa kuzviisa zvinyorwa izvo insured chiitiko.

The insurer vanosungirwa kugamuchira magwaro kuti nehanya uye pamusoro expiry wekarenda mazuva 30 kuti chisarudzo pamusoro kugadzwa muripo.

Firm-insurer anekodzero kuramba mubhadharo zvinotevera nyaya:

• Kana insured chiitiko chakaitika somugumisiro pamutemo nezviito insured munhu.
• The policyholder haana akapa magwaro anodiwa pamusoro inishuwarenzi nyaya mukati nguva miganho nezvaro kondirakiti.
• The policyholder ndeimwewo kwakakanganisa yacho kuti vawane mari.
• Inishuwarenzi kubhadhara hadzina kuitwa, kana insured pfuma ndiyo akafanirwa nezvokubvuta kana kutorerwa nokuda gona nezviremera.

Kana zvichiita kukuvadza kunoda pakarepo nokubviswa, kuti insurer anekodzero kushandisa kuti pre-akabhadhara pamberi mitemo nguva. Pre-kubhadhara kambani yacho inishuwarenzi vakapinda kadhi munhu nemhosva wacho. Kana pashure nguva kuongororwa zvinoratidzika kuti kukuvara haritorwi muripo, kuti insurer vanosungirwa kudzorera uwandu akabhadhara kare.