menene? Decryption, farashi da fasali
A cikin labaran kan inshora akan Vodi.su, sau da yawa, tare da manufofin CASCO da OSAGO, mun ambaci sunan wani nau'in inshora - DSAGO. A cikin wannan labarin, za mu yi ƙoƙari mu amsa tambayar: menene shi, yaya ake tantance shi, a ina za a iya fitar da shi, da kuma menene amfanin sa gaba ɗaya.
Kuna iya samun wasu bambance-bambancen wannan gajarta: DoSAGO, DAGO, DGO, da dai sauransu. Dukkanin su an fassara su cikin sauƙi - inshorar abin alhaki na ɓangare na uku na son rai. A wasu kafofin, kalmar "na son rai" an maye gurbinsu da "ƙari", amma ainihin wannan ba ya canzawa.
Kamar yadda kuka sani, akwai ƙayyadaddun iyaka akan iyakar adadin kuɗi a ƙarƙashin OSAGO:
- 400 dubu don lalata kayan abu ga ɓangare na uku;
- 500 dubu don lalacewar lafiya.
Manufofin DSAGO na son rai yana haɓaka adadin ɗaukar hoto: daga 300 dubu zuwa miliyan 30. Wato, idan direba, misali, rammed wani tsada SUV, shi ne mai wuya ya zuba jari a cikin adadin 400 dubu. Kar ku manta kuma cewa al'ada ce ta gama gari a cikin kamfanonin inshora don raina ainihin farashin lalacewa. Saboda haka, wanda ya yi hatsarin zai ba da kuɗin da ya ɓace daga aljihunsa - don sayar da mota mai ɗakin kwana, karɓar lamuni daga banki ko rance, bashi daga dangi. A wata kalma, dole ne ku hau wani rami na bashi.
Idan akwai manufar DSAGO, kamfanin inshora ya ɗauki nauyin biyan duk wasu kuɗaɗen da ya wuce iyakar biyan kuɗi na CMTPL. Dangane da haka, ƙungiyar da aka ji rauni ba za ta iya karɓar ba 400 ko 500 dubu rubles ba, amma, alal misali, 750 dubu ko miliyan ɗaya da rabi, dangane da iyakar abin da inshora ya zaɓa.
Fasali
Yawancin kamfanonin inshora suna ba da sabis kamar tsawaita OSAGO. Wannan shine, a zahiri, 2 cikin 1, wato, OSAGO da DoSAGO a cikin fakiti ɗaya. A zahiri, wannan manufar za ta fi tsada.
Abin da kuke buƙatar sani game da DSAGO:
- yana yiwuwa a fitar kawai idan akwai OSAGO;
- adadin ɗaukar hoto daga 300 zuwa 30 miliyan rubles;
- babu wani kuɗin fito na ɗaiɗaiku, amma ga OSAGO, kowane kamfani na inshora yana tsara ƙimarsa;
- ana biyan kuɗin kuɗin inshora bayan duk biyan kuɗi a ƙarƙashin OSAGO (gyaran wannan adadin yana yiwuwa);
- Yawancin abin da za a cirewa ana kafa shi - adadin da ba a biya ba.
Lokacin yin DoSAGO, kuna buƙatar karanta kwangilar a hankali. Don haka, akwai manyan manufofi guda biyu: la'akari da lalacewa da tsagewar abin hawa ba tare da la'akari da lalacewa da tsagewa ba. Zaɓin na biyu ya fi dacewa, tun da wadanda abin ya shafa za su iya samun hannayensu a kan cikakkiyar lalacewa, kuma ba a rage su ta hanyar lalacewa ba.
Zane da farashi
Mafi kyawun adadin diyya don inshora na son rai daga miliyan ɗaya ne. Rijista yana faruwa a cikin hanyar da aka saba, tare da ku kuna buƙatar samun:
- Manufar OSAGO;
- takardun take don mota - STS, PTS, kwangilar sayarwa, ikon lauya;
- fasfo na sirri.
Daban-daban ICs suna ba da hanyoyi da yawa don biyan diyya a ƙarƙashin DSAGO. Hanya mafi sauƙi ita ce taƙaita iyakokin OSAGO da DSAGO (zaka sami matsakaicin 400 dubu don inshorar dole, saura na DSAGO), ko kuma an cire kuɗin OSAGO daga iyakar DoSAGO, bi da bi, iyakar DSAGO (tare da Adadin inshora na miliyan 1,5) ba zai wuce miliyan 1,1 ba. Duk waɗannan sharuɗɗan an cika su a cikin kwangilar, don haka kada ku yi shakka ku tambayi manajan game da duk abin da ba ku fahimta ba.
Ko da yake duk kamfanonin inshora suna da kuɗin fito daban-daban, farashin tsarin inshora na son rai bai wuce kashi 1,5-2 na jimlar inshorar ba. Manufofin mafi arha don 500 dubu rubles a Ingosstrakh farashin 1900 rubles. Domin 30 miliyan rubles, zai kudin game da 18-25 dubu.
Lura cewa galibi ana yin kwangilar kuɗi sama da miliyan 5 a gaban inshorar CASCO - wannan lokacin yana buƙatar bayyana daban tare da kamfanin inshora.
Выплаты
Don kauce wa ciwon kai mara amfani, yana da kyau a ba da manufofin biyu a cikin kamfanin inshora ɗaya. Don karɓar biyan kuɗi bayan faruwar wani taron inshora, dole ne ku bi ƙa'idodin ƙa'idar, wato, ƙaddamar da takaddun masu zuwa:
- aikace-aikace;
- takardar shaidar hatsari - inda za a samu, mun fada a baya akan Vodi.su;
- yarjejeniya da ƙuduri akan cin zarafi;
- takardun ga motar mai laifin da wanda aka azabtar;
- Manufar OSAGO;
- fasfo mai laifi.
Ana biyan kuɗi daidai da ƙa'idodin da aka karɓa - a cikin kwanaki 60 bayan ƙaddamar da aikace-aikacen. Dangane da gyare-gyaren da aka karɓa a cikin 2017, yana yiwuwa a aika motar don gyarawa maimakon biyan kuɗi.
Kamar yadda kake gani, DSAGO baya maye gurbin, amma ya cika OSAGO. Farashin wannan manufofin ba su da yawa, amma akwai fa'idodi da yawa. Idan kana zaune a cikin babban birni inda yawancin motocin alfarma na ƙasashen waje ke tukawa, rajistar DSAGO na iya ceton ku da dangin ku da gaske daga matsalolin kuɗi a yayin da kuka yi karo da motoci masu tsada.
Ana lodawa…
