Kupi uye sei kuti inishuwarenzi motokari pasina dzimwe inishuwarenzi upi?

Kutenga motokari, hatidi nguva dzose funga nezveramangwana okuwedzera mari. Kana ukaronga mari pamusoro siyana Tuning, matai chando uye ose "midziyo" akadai chigaro rinotaura matehwe wechidiki zvayo, rinonyatsooneka mupiro kuti motokari ndiyo inishuwarenzi. Asi sei uye kupi inishuwarenzi motokari? Reviews makambani mabasa akafanana, zviri dzaisiyana zvokuti kuita chisarudzo hakusi nyore nguva dzose. Achitaura siyana IC, vatengi zhinji tinowanzova nenguva yokuti, kuwedzera kune chaiko auton inishuwarenzi, ivo kumanikidza mamwe mabasa akabhadhara. Tiri kutaura nezvoupenyu inishuwarenzi, nhumbi uye zvichingodaro. Zvakakosha, asi kazhinji hamutsvaki panguva iyoyo, handiti? Uye kunze, kana pane chido chakadaro, kuti nemhosva vanogona kubvunza yevashandi chikumbiro chavo. Asi mashoko acho. Saka, sei kuti inishuwarenzi motokari pasina mamwe inishuwarenzi uye zvaunoda kuita?

Mhando mitemo

Kakawanda, chibvumirano inishuwarenzi ndiyo motokari pakarepo pashure kutenga motokari uye mazhinji pagore. An Kusara angava mamiriro, kana makore motokari yakatengwa kwazvo makore 10-12: Muzviitiko zvakadaro, vamwe makambani anogona uye vanoramba basa. Panguva ino, nyaya inonyanya kufarirwa nezvemarudzi maviri mitemo:

• Hull - kureva kuti muchina (a) kungava zvose pamusoro kuba, uye chero kukuvara;
• CTP - rinoreva Nokurasikirwa muridzi mutorwa michina kukanganiswa kuregeredza yenyu;

Chimwe chinokosha caveat :, kune tsaona unofanira kusarudza chaizvoizvo apo ukakumbira mari kubva chakakonzerwa namaneja Nokurasikirwa ari inishuwarenzi nyaya kugamuchira mari kubva policies maviri asingagoni, saka kana uine zvose MTPL uye Chikomo.

Nokutenga chimwe kana zvimwe policies inishuwarenzi, muridzi kutanga motokari kutsvaka rinonyanya akanaka okuti, uye basa mutengo uyu nyaya inoita basa rinokosha. Saka, asati kusaina chibvumirano, vanofanira kunyatsoongorora dzokorora ose nuances dzayo.

Kana toreva inishuwarenzi youpenyu kunokosha

Kusaina chibvumirano, vakawanda motokari varidzi nezvinoda yokuti kuwedzera dzinokosha mabasa vanopa kuti ape mutemo pamusoro dzokuwedzera njodzi Somuenzaniso, kureva upenyu mutyairi. kubhadhara kwakadaro ndivo vanhu nechavo kudana "dopami". Dzimwe kukundikana mabasa aya dzinosanganisira hazvibviri vanyorwa mutemo kana chinokosha kunonoka nguva kwayo chionekeso. Zvinoita here inishuwarenzi motokari pasina inishuwarenzi youpenyu? Zvakaratidza kuti iwe unogona, zvisinei, dzimwe nguva izvi zvinogona kutora nguva. Saka kana iwe inishuwarenzi motokari pasina inishuwarenzi youpenyu emisasa "chizvarwa" marara uye kubudiswa nguva iri kupererwa - zviri nyore kutarisa vamwe yemakambani ichipa mabasa akafanana. Uye chii kana UK haadi kuchinja?

Zvokuita kana wanga maramba

Pahwaro mumutemo Russian, haufaniri kubhadhara mamwe kusarudza. Saka kana Somuenzaniso, "Rosgosstrakh" kureva motokari pasina "chaiyo matanho" aramba uye kuchinja basa boka gwara havana nguva kana chido, unogona kuedza kukanganisa insurers nomurayiro. Kazhinji, vanhu kuita kunze inishuwarenzi, havateereri kuti overpayment, asi kana mubvunzo musimboti kwamuri, kukurukura nyore tsvimbo nekambani mugumisiro hakuiti - kuenda kudare kana Anti-chindingindingi Committee.

Kuti ndiwane nyaya yokuti chokwadi, tinofanira kuratidza kuti mamaneja vanomanikidzwa kubhadhara wokuwedzera basa umo haudi. Nokuti ichi anokodzera kuva waiver rakanyorwa, iro rwakaiswa chinhu nekusagona kusaina chibvumirano pasina inishuwarenzi youpenyu. Kana mapepa akadaro kupa mukaramba, chokwadi chokuti kukundikana anogona kunyorwa pamusoro foni kana izwi sahwira - kunogona kubatsira kuratidza nyaya yako. Ungangove, muchapiwa dare, uye vose overpayment zvichabviswa vadzoka, asi manzwiro vane kudzura akanaka.

Uyezve, pane mukana kuti kugumbuka insurers ndichakupai mashoko pamusoro uve nemhosva hanya vavo, uye kuti ape mutemo mune ramangwana richange matambudziko. Kana izvi zvakaitika kwauri - pakarepo vakagunun'una antimonopoly kuhofisi, hofisi muchuchisi wacho uye dare iri. Vachazvirova zvose zvitare, chokwadi ari kurutivi rwako, nokuti inishuwarenzi motokari asina mamwe inishuwarenzi kunodiwa kuti NHOROONDO Ndiye kambani, uye hakuna mutemo kumumanikidza kuti kuzvitenga kwauri chii haudi.

imwe nzira

Kana Anotadzira tsinga uye kutambisa nguva iri litigation hatidi, unogona kuedza kuzviita pasina kuwedzera ukama sangano, kushumira mutemo. Pano mumwe, asingasviki "ropa" nzira inishuwarenzi motokari pasina zvimwe inishuwarenzi. Small kurairirwa:

1. Enda Website wekambani akasarudza uye kuwana pane ruzivo pamusoro zvinokosha dziine inishuwarenzi rates muripo akadzama.
2. Uchishandisa mirayiridzo muCentral Bank of Russian Federation, vakazvimiririra nokuenzanisa chitsama inishuwarenzi shoma. Ita nyore pamusoro nhengo Websites panyaya iyi pane zvizhinji mirayiridzo mienzaniso.
3. Kubhadhara mabasa, asi kuitira kuti iwe une maoko enyu cheki kana risiti inotaridza chinangwa muripo, apo unofanira kunyora "Payment pamusoro inishuwarenzi, CTP inishuwarenzi mitemo, motokari" ... ", hurumende nhamba xxxx."
4. Bvisai makopi zvinotevera magwaro: pasipoti, zita kana chitupa motokari kunyoresa, chitupa chokutyaira zvose, uyo akabvuma kuti kurapa motokari iyi chirwere kadhi kana chitupa chebasa rokuongorora, cheki nokuda kuripwa inishuwarenzi shoma.
5. Zadza fomu kupedzisa chibvumirano pakati inishuwarenzi (muchimiro chinogona kuwanika pamusoro "Bank of Russia" nzvimbo).
6. Takasikwa nouya pabutiro tsamba, iyo prescribes Munongedzo zvinotevera mitemo: Mutemo nhamba 40, ed. kubva 11/04/14; ndima 1.4-1.6 "Mirayiro pamusoro mitemo varidzi motokari ebasa kuita inishuwarenzi" nhamba 431-P, mvumo "ari Bank of Russia."
7. Kufukidza tsamba vari kuisa pamusoro pamazita magwaro vavo makopi.
8. Pachedu isu kuuya ose pamusoro muhofisi kambani inishuwarenzi uye vanoda kuti chidhindo risiti musi rako pechifukidziro tsamba.
9. Kana isu kutora azere zvinyorwa kambani vashandi akaramba, tinotumira kwavari mail, dzoka chionekeso akakumbira, iva nechokwadi kuti Inventory inivhesitimendi.

Kakawanda, pashure matanho ose aya, boka racho inishuwarenzi haakumbiri mibvunzo uye kuchera mutemo pasina kumanikidzira mamwe mabasa.

How uye apo kureva motokari kuti CTP

Kutsvaga inishuwarenzi motokari kunogona anenge kambani ipi kuti anopa mabasa akafanana. Vanhu CTP rinonzi kungoti "avtograzhdanki" somunhu chidimbu kuti "rokubva inishuwarenzi yevagari kuita kuti motokari." Kundoitora, haufaniri kazhinji havo Kuedzwa motokari pachayo, asi kushaikwa CTP ari kurangwa akaisvonaka.

Saka apo inishuwarenzi motokari kuti CTP? Pakutanga zvingaita sokuti mari mutemo richava pamusoro chete chero kambani, asi tsika iyi handizvo. Asi regai kudzinga vanhu chisingakoshi, kutanga tinofanira kufunga kuti IC wako kubhadhara Nokurasikirwa muchikwanisa, kana zvichidikanwa. Hedzino dzimwe nzira kuti zvinofanira zvakanangwa:

• Mutengo inishuwarenzi. The pasi Mari mutemo - hazvisi nguva dzose chinhu chakanaka, zviri nani kunamatira pakati mutengo muchikwata.
• Rating-insurer. Masangano anonyatsozivikanwa kazhinji chipiriso siyana kushambadza, discounts, uye ivo nekusimba mukurumbira.
• Urongwa okuwedzera mabasa. Dzimwe zviri camouflaged seri nokuiswa migove zvachose zvisingakoshi mabasa kwamuri, inishuwarenzi utano, pfuma, upenyu uye vamwe.
• Zvivanakire nzvimbo. Funga kuti zvichange zvakakunakira kuti ashanyire hofisi wekambani kana yokushayiwa.

Chikomo

Chimwe zvikuru nevakawanda mhando chezvawanyora Chikomo. Inishuwarenzi motokari iyi zvinokwanisika kuwedzera CTP, kunyange izvi hazvisi fanira. The pamazita njodzi pasi chibvumirano ichi ingasanganisira zvinenge chinhu:

• kuba;
• kukuvara iri chiitiko petsaona;
• akaputsika girazi kubva hurungudo kubva pasi mavhiri motokari kuenda mberi;
• wakatemerwa vhiri;
• inodonha chero zvinhu dzokumwe, dzakadai icicles kana chidhinha;
• netsaona uye anokwenya ose asingazivikanwi mavambo;
• zvimwe njodzi.

Muchiitiko chino, hazvina basa ndiani mhosva iri inishuwarenzi nyaya, muripo tichingove kufukidza varasikirwa. Zvose zvinoenderana chete pamusoro Mari mutemo - kunokonzera zvichibvira ngozi Rinowanikwawo mariri, kupfuura dzinodhura ndiye. Saka, sezvo unogona kufungidzira, Hull - mafaro hakusi chisingakoshi, mutengo inishuwarenzi motokari kazhinji 10-15% pakati nomutengo motokari pachayo. Zvisinei, pasinei kwemitengo, Chikomo inishuwarenzi chezvawanyora nevakawanda zvikuru, kunyanya pakati vatyairi ruzivo.

Panyaya iyi, mhinduro yomubvunzo wokuti, "sei inishuwarenzi motokari pasina dzokuwedzera inishuwarenzi" ndizvo zvakaoma. Nokuti kuti Hull zvachose yokuzvidira, makambani inishuwarenzi vari kuedza kuisa napo zvimwe zvinodiwa. Pane zviitiko apo "enterprising" Manager anopa vatyairi ruzivo zvakare formalize mutemo pamusoro dzokuridzisa nadzo kana pakarepo kuvhara (inonzi pasina pfungwa iyi kuti inishuwarenzi motokari pamusoro kuba hazviiti). Zvinosuruvarisa pakurwisa zvakadai mananara Zvakaoma - nyore kuchinja insurer.

Chii zvarinoita mutengo Chikomo

Kufungisisa kuti inishuwarenzi apo motokari musi Hull, zvinokosha kufungawo zvimwe zvinogona kukanganisa mutengo mutemo. Kakawanda zvinoenderana:

• motokari muchiso uye kukosha kwayo - makuru ndiwo, zvikuru dzinodhura mutemo;
• makore muchairi uye achidzinga ruzivo - chii, kuti isingadhuri mutemo;
• "Antiquity" the muchina pachayo - the kuvatsva mumotokari, isingadhuri inishuwarenzi, uye motokari mukuru makore 10-15 uye haagoni inishuwarenzi;
• Kuvapo uye pamwero Anti-kuba enyika;
• nzvimbo uye zvinhu mumota - muchivanze, garaji, wairindwa kana unguarded kupaka mugove;
• kukosha kodzero - kukuvara isingadariki kukura kodzero, panobviswa nokuti yeGmail.END_STRONG pachake mari;
• kuti arambe achirema zvokuwedzera munzvimbo anodawo motokari - somuenzaniso, mukana mutsaona muguta kwakakwirira zvikuru kupfuura mune mumwe musha muduku.

Uyewo, mutengo Hull inishuwarenzi nemaitiro anogona kuwedzera:

• mazita inishuwarenzi anoti;
• isa repair kugadzira - car-pakusarudza muUK achava isingadhuri, asi rokugadziridza pangava kuguma chena chitsama;
• muzana muganhu kukura muripo apo insured chiitiko;
• payout muzviitiko apo motokari hazvigoni kugadziriswa uye zvinofanira kuraswa;
• mukana "Green Card" yokufamba kunze;
• mamwe upenyu inishuwarenzi mutyairi kana vatakurwi;
• mukana kunyoresa Yakabudiswa;
• kunzwisisa uye riini nzira nokuda nenyaya yacho panyaya kuziva inishuwarenzi;
• zvakawanda.

Inishuwarenzi kuburikidza neindaneti

Mumakore achangopfuura, pasinei mugwaro mhando iwe kuronga, makambani makuru inishuwarenzi kupa chibvumirano drafting basa ari kure. Saka, sei kuti inishuwarenzi motokari kuburikidza neindaneti uye sei zviri kwakavimbika? Chokutanga, tinoona kuti pasinei kuti basa iri riri nyore kwazvo, zvichiri ngozi zvachose. Vimba iyi zvakakodzera kugadzikana chete nekusimba makambani. Saka usati wasarudza kuti inishuwarenzi motokari kuburikidza neindaneti, nyatsoverenga wongororo pamusoro sangano chipiriso basa rakadaro, kana nhume mumiririri.

Musimboti zvichiitika sezvinotevera:

• Iwe sarudza kambani inishuwarenzi uye iwe uende ayo yepamutemo Website;
• nokunyatsodzidza zvinhu zviri kunyoresa Hull uye MTPL gwara, kusarudza zvakarurama uye kusiya paIndaneti chikumbiro kuti vaverengwe kwayo;
• mune zvimwe zviitiko, vachafanira kuita zvakare kuzadza fomu pfupi remibvunzo, rine mashoko pamusoro motokari uye mamwe mashoko Unclassified;
• kutaridzwa zuva uye nguva nenguva iyo waungada kutora kambani inishuwarenzi rekutakura.

Panguva iyi, mushure processing ruzivo kwamuri mutumwa ane inishuwarenzi mutemo akagadzirira-yakaitwa, izvo zvichaita kubhadharwa ari panzvimbo pamusoro chionekeso. Unogonawo kusarudza apo iwe kuuya gwaro - kumba kana kubasa, sezvo uchida, chinhu chikuru - kuti ikoko panguva yakatarwa. Izvi chaizvo nyore, sezvo pasina chikonzero kupedza nguva inokosha pamusoro nzendo kuhofisi, havafaniri "kutamba" ari kuwandisa kwemotokari, kumira mumutsetse kuti maneja uye keshiya, uye zvichingodaro. nguva yako tsinga vacharamba nemi.

Kuti varege kutambisa nguva iri kushanyira hofisi chekambani, unogona kushandisa mabasa anokosha vamiririri, vanozoshanda, izvo kazhinji vane mapeji yavo paIndaneti. Agent - munhu wechisikigo munhu ane chibvumirano ne kambani yeinishuwarenzi uye Mupi brokerage mabasa. vanhu vakadaro kazhinji kubva 10 kusvika 20% mari mutemo, saka kana iwe kushandisa kuminamato mumwe chete munhu nguva dzose, unogona kukuita dhisikaundi, uye mutemo kuchaita mari zvishoma isingadhuri. Zvisinei, zvinofanira ipapo kuva nemhosva mbiri kungwarira kuti 'kumhanya mu "munhu fraudster.

Credit motokari - kumanikidzwa kusarudza kambani yacho inishuwarenzi

Asi mubvunzo "apo kureva motokari, wakatorwa nechikwereti" hakusi kukodzera zvachose. Chokwadi ndechokuti pamahombekombe kuti mutemo kuti chikwereti kutenga motokari, kazhinji kutumira yeGmail.END_STRONG Nebhizagadzi chaiwo nako vane chibvumirano basa mamwe ari akagumisa. Kana musingadi inishuwarenzi chikwereti motokari chaipo apo iwe wakati kuti mari ungangoona kuwana.

Zvisinei, pane chimwe caveat: akawanda nemabhengi Usabatsirana neumwe IC, asi kuti vatengi yakataura "kanganwa". Saka usati kuti kubva chikwereti, bvunza mumiririri rwezvemabhengi urongwa mazita ose masangano nawo vanoshanda, uye sarudza uya nezvaunokwanisa zvakanakisisa. Gare gare, panguva kwemamiriro chikwereti chibvumirano, zvinoda unyanzvi kuti kushumirwa chaipo muri wakasununguka. Kakawanda, mabhengi havadi kurasikirwa vatengi nemhaka yakadaro "kunyengedzazve" uye uende mberi.

nuances rweinishuwarenzi

Kunewo zvimwe zviitiko chaiwo izvo kuurayiwa mutemo kungava kwakaoma. Pano uri Somuenzaniso, ziva kuti inishuwarenzi motokari pasina kuongorora? Zvinoita sokuti chinhu, asi pane zvimwe nuances. Mamwe makambani inishuwarenzi kupa vatengi vavo kuwana "mutemo nemamiriro." Izvi zvinoreva kuti gwaro uchapiwa kwamuri, asi zvinoda kuti kunyora mashoko pamusoro chii unobvumirana kupa vanopfuura rokuongorora Kwapera, dzakadai pesvondo.

Uyewo, unogona kukumbirwa kuti ape pfupi-rokuti maitiro, ndiko kuti inishuwarenzi motokari kwemwedzi kana mavhiki maviri. Ndizvo zvimwe chete uye rinoreva kuti nguva ino uchava nguva ipfuure rokuongorora uye kudzokera shure huru "Security" gwaro. Kana nguva yasvika yokuti kugadzirisa inishuwarenzi uye yekare tehtalon ichiri kushanda mumwe mwedzi mitanhatu, ipapo pereprohodit hazvisi zvakakodzera, zvinokwanisika kuti ape mutemo pane chii kudya. Uye kana wava motokari itsva, tikiti rokuongorora haudi, nekuti uchava chete kutora nzvimbo pashure pamakore matatu.

Nokuda chinokosha kuonga mutemo, dzimwe motokari varidzi vangada kuzvironga mangwanani mitengo "wekare". Asi zvinoita kuti inishuwarenzi motokari kare, wamusingazivi vose. Vawedzere kururama kwemashoko MTPL gwara angasava mwedzi yapfuura pane mumwe vasati ayo kuregedza kushanda. Saka vatyairi vaya vane kururama kwemashoko rokumanikidzirwa inishuwarenzi mutemo kufira mangwanani May, aigona hunonzi kuponesa zvishoma, Chokwadi, kana iwe wafungidzira musi mutero kuwedzera.

With Chikomo mamiriro ezvinhu ari kuipa - kana uri ataurazve kumbova gwara, anogona kuitwa pasina yapfuura pane mavhiki maviri kuguma yapfuura mumwe asati. Uye kana iwe kuti panze chitsva kana kusandura kambani yacho inishuwarenzi, nhoroondo iri pakarepo uye zvachose kwemazuva. Zvisinei, mutemo "ne kumupa" rinogona wakabudiswa mamwe makambani. Izvi zvinoreva kuti inishuwarenzi kondirakiti chiratidzo chichava kusumwa kuti ayo ukoshi nguva rinotanga kubva musi nepamahofisi apiwa rokuongorora kuti motokari, musi uko basa kusvikira zuva anotangira expiry musi inishuwarenzi. Ponesai, zvichida, kukwanisa, asi ari chiitiko ane simba zvaipa chibvumirano chakadaro haadaro.

Zvechokwadi, zvakanaka kuti kuchovha pasina chiitiko, nekuti unoziva sei kana motokari iri zvakaoma insured. Zvinosuruvarisa yakakwana rakabatana Database makambani inishuwarenzi hakuwaniki, panongova SAR data, apo mhinduro inogona kuwanwa nokuziva kuwanda mutemo. Kana usingazivi chii mhinduro vachafanira kutsvaka zvakananga kubva vechikamu pamusoro tsaona, sezvo dzimwe nguva zvinoitika o sei zvakaoma.