Kimanta ƙimar babur ɗin ku

Me yasa darajar babur ɗin ku? Ƙayyade ƙimar motar ƙafa biyu daga farko zai sauƙaƙa muku siyar da shi akan mafi kyawun farashi a kasuwa. Hakanan yana da mahimmanci lokacin ɗaukar inshora, saboda wannan kiyasin zai kuma ƙayyade adadin diyya da za ku iya samu yayin yin haɗari. Akwai hanyoyi guda 4 don ƙididdige ƙimar babur ɗin ku don yin inshora:

• Ƙimar da gwani ya ce
• Kudin sauyawa
• Farashin kasuwa
• Ƙimar kasida

Kuna son kimanta darajar babur ɗin ku? Gano bayaninmu don kowane ɗayan waɗannan hanyoyin tantancewa guda 4. 

Wani masani zai gaya maka ka kimanta kudin babur.

Darajar ƙwararren shine - kamar yadda sunan ya nuna - ƙwararren inshora ne ya bayar... Ayyukansa shine kimanta babur ɗin ku da sanin ainihin ƙimarsa bisa la'akari da wasu sharuɗɗa, kamar shekarun motarku, yawan tafiyar kilomita, gyarawa da gyare-gyaren da aka riga aka yi, da kuma farashin maye gurbin babur. kan sayarwa. Ana iya yin wannan gwajin tun kafin bala'i. Sannan ana amfani da shi don tantance ƙimar da aka amince da babur. Kuma ana iya yin hakan bayan bala'i. Manufar ita ce a tantance darajar kasuwa.

Kyakkyawan sani : za ku iya yin gardama kan ƙimar da za ku gaya wa ma'aikacin ƙafafun ku biyu. Don yin wannan, kawai kuna buƙatar tuntuɓar wani gwani wanda zai gudanar da ra'ayi na biyu.

Yi ƙididdige farashin canji na babur ɗin ku

A hukumance, farashin canji na babur shine: " Adadin ya zama dole, amma ya isa ya fanshi mota, ta kowane fanni iri ɗaya da wanda aka lalata ko kuma kusa da ita.".

Masanin inshora ya sake ba da wannan ƙimar. Kamar yadda aka bayyana a sama, na karshen zai ƙayyade shi ne bisa farashin wani babur, amma wanda yake da halaye iri ɗaya da babur ɗin inshora. Don ƙididdige wannan ƙimar, zai dogara ne akan ƙimar maye gurbin abin hawa; daga shekarunsa; ta tsawon shekarun da ake yadawa kuma a lokaci guda adadin nisan miloli; da yanayinsa na gaba ɗaya (kula da gyare-gyare).

Kyakkyawan sani : A cikin yanayin haɗari, idan farashin gyaran gyare-gyare ya wuce farashin sauyawa, gwani zai yi la'akari da babur ɗin ku "VEI", wato, abin hawa na tattalin arziki wanda ba zai iya gyarawa ba. Wannan yana nufin cewa zai zama mara amfani ga mai insurer ya gyara shi daga ra'ayi na kudi. A maimakon haka, zai ba ku diyya don jimlar asarar da aka yi.

Yi kiyasin darajar kasuwar babur.

Darajar kasuwar babur ita ce darajar da yake da ita. kafin bala'i... Kamfanonin inshora suna amfani da shi azaman ma'auni don biyan diyya lokacin da farashin gyare-gyare ya wuce yuwuwar ƙimar babur ɗin ku kafin lalacewa. Kuma wannan yana cikin abubuwa biyu masu zuwa:

• Mai riƙe manufofin yana da alhakin lalacewa.
• Ba a gano wanda ya haddasa barnar ba.

Kyakkyawan sani : Idan aka gano wanda ya yi barnar, adadin diyya zai dogara ne akan canjin da babur din ya canza ba akan darajar kasuwarsa ba.  

Ƙididdiga lissafin ƙimar babur ɗin ku

  Ƙimar kasida na babur yayi daidai da nasa sabon farashin siyarwa a kasuwa... A wasu kalmomi, farashin da masana'anta ya ba da shawara a cikin kasidarsa ana amfani da su don tunani. Masu insurer ba safai suke amfani da wannan ƙima azaman ma'auni don diyya. Lallai, ana amfani da shi ne kawai idan babur ɗin sabo ne ko ƙasa da shekara ɗaya.

Kyakkyawan sani : Idan motarka sabuwa ce, kuma a sakamakon haka, ita ce sabuwar ƙirar, ɗauki lokaci don tabbatar da cewa ƙimar da aka kiyasta ta kasance sabo kafin shiga kwangilar inshora.