Nzira yekusarudza chaiyo mota inishuwarenzi kekutanga?

Auto inishuwarenzi inomanikidzwa kune dzese mota, asi kana uchangowana rezinesi rako zvichakuomera kuti usarudze pakati pemhando dzakasiyana dzeinishuwarenzi. Iwe unofanirwa inishuwarenzi mota yako yekutanga, uye kusarudza inishuwarenzi kwakaoma kune vechidiki vatyairi vanobhadharwa zvakanyanya kune mota inishuwarenzi nekuda kwehunhu hwavo. Saka unosarudza sei auto inishuwarenzi?

🚗 Auto inishuwarenzi, ndedzipi mikana?

Chekutanga pane zvese, iwe unofanirwa kuziva akasiyana mafomula anopihwa nemakambani einishuwarenzi:

● Inishuwarenzi yemotokari yechitatu (kana inishuwarenzi yemutero ndiyo inomanikidza fomura muFrance. Iyi inishuwarenzi, sarudzo yakachipa, inovhara kukuvara kwepfuma uye kukuvara kwevanhu kwakakonzerwa nechetatu mune tsaona ine njodzi. Zvisinei, mitengo inokonzerwa nekukuvara kune mutyairi kana nzira yake yekufambisa, haina kuvharwa);

● Inishuwarenzi yevanhu vatatu pamwe (kondirakiti iyi iri pakati peinishuwarenzi kubva kune wechitatu uye fomu yengozi. Iyi inishuwarenzi inovhara, zvinoenderana nevanoisa inshuwarisi, kukuvara kwemotokari yeinishuwarenzi);

● Comprehensive auto insurance (kana tsaona/multi-risk inishuwarenzi, all-risk insurance inonyanya kukosha kudzivirira motokari. Kana pakaitika tsaona, inobhadhara zvizere mari yekugadzirisa, kunyange kana mutyairi ariye ane mhosva.);

● Inishuwarenzi yemotokari pakiromita (inogona kuva chikamu chimwe muzvitatu, chikamu chimwe muzvitatu kana njodzi dzose, inongogumira kumakiromita, asi ine mutengo wakaderera pane inishuwarenzi yechinyakare. Ichi chinopihwa chakachinjirwa kuvatyairi vanofamba makiromita akati kuti.)!

Nekudaro, kune akawanda mafomula. Nongedzo pakunzwisisa mutsauko uripo pakati pezvibvumirano uripo pane Selectra auto inishuwarenzi webhusaiti.

🔎 Chii chinonzi mutyairi wechidiki?

Zvino iwe unofanirwa kunzwisisa kuti yakakosha sei chimiro chemutyairi wechidiki uye nei zvichireva mutengo wakakwira weinishuwarenzi.

Chekutanga, chinzvimbo ichi hachinei nezera remutyairi. Izvi zvinonyatso kureva kuti mutyairi ndiye anotanga. Izvi zvinoshanda kune vatyairi vane rezinesi rekutyaira risingasviki makore matatu, ndiko kuti, kuve kwechokwadi kwerezinesi rekutyaira rine nguva yekuedzwa.

Pamusoro pezvo, makambani einishuwarenzi emotokari ari kuwedzera mamwe mapoka kune vatyairi vatsva ava. Chokwadi, vatyairi vechidiki vanofungidzirwa kuve chero munhu anga asina inshuwarisi mumakore matatu apfuura.

Saka, vatyairi vasina kumbobvira vapihwa inishuwarenzi kana vatyairi vakapasa Code uye rezenisi rekutyaira mushure mekunge iyo yekupedzisira yakanzurwa vanotorwa sevatyairi vechidiki.

Nokudaro, maererano neInsurance Code munyaya A.335-9-1, vatyairi vechidiki vanoonekwa sevasina ruzivo, izvo zvinoruramisa kudhura kweinishuwarenzi. Sekureva kwemakambani einishuwarenzi, njodzi yetsaona kana kukuvara inowedzera kana mutyairi asina ruzivo rwekutyaira.

Wedzero yemutyairi wechidiki hafu gore rega rega isati yanyangarika zvachose mushure megore rechitatu. Nokudaro, mari yekuwedzera inogona kuva 100% mugore rokutanga, 50% mugore rechipiri, uye pakupedzisira 25% mugore rechitatu isati yanyangarika mushure menguva yekuedzwa. Pamusoro pezvo, vatyairi vadiki vanotevera kutyaira kwevaperekedzi vanoonekwa sevatyairi vane ruzivo. Nguva yaro yakaderedzwa kusvika kumakore maviri uye i2% mugore rokutanga uye 50% mune yechipiri.

Sei nei inishuwarenzi ichidhura kune mutyairi mudiki uye nekuigadzirisa sei?

Saka, mutyairi wechidiki anofanira kubhadhara imwe mari yeinishuwarenzi kutsiva njodzi huru yekurasikirwa. Izvi zvakasara zvinogona kusvika pamusoro pe100% yemutengo weinishuwarenzi yemotokari.

Nekudaro, kugadzirisa iyi yakakura, kune matipi einishuwarenzi uye mota:

● tsvaga inishuwarenzi yemotokari: Kusarudzwa kweinishuwarenzi kwakakosha zvikuru uye kunofanira kuitwa pachine nguva kuti uwane iyo inonyatsoenderana nezvinodiwa nemutyairi uye motokari inofanira kuva neinishuwarenzi, sezvo mutengo unosiyana zvichienderana nemutyairi, asiwo mota inopihwa inishuwarenzi;

● Kutenga motokari: sezvakataurwa pamusoro apa, chiyero cheinishuwarenzi chinoenderana nezera remotokari, zvingasarudzwa, simba, nezvimwewo. Nokudaro, zvakakosha kusarudza motokari maererano nezvinodiwa izvi. Mukuwedzera, nemotokari yakashandiswa, haisi nguva dzose inokurudzirwa kuburitsa yakazara inishuwarenzi mutemo, inishuwarenzi kune vechitatu mapato inogona kukwana;

● kuperekedzwa kwekutyaira kunoderedzwa ne50% yemutengo wakashandiswa;

● Kunyoresa somutyairi pamwe chete kuti usatenga motokari nemitengo yeinishuwarenzi. Dzimwe nguva zvinosungirwa kunyoresa chete semubati-mutyairi pasi pesungano, izvo zvinosanganisa kodzero dzekuwedzera kune vechidiki pasina kuwedzera mutengo weinishuwarenzi.

● Deredza mari yemakanika nekuenzanisa masevhisi akasiyana anopihwa.

Saka, kuve mutyairi wechidiki kunogadzira imwe mari yeinishuwarenzi, asi ikozvino iwe unoziva kuchengetedza mari.