Ƙimar inshorar babur: rabon lada

Inshorar keke biyu yana da tsada. Ingantacciyar lefa don rage girman ƙimar inshorar sa shine rabon bonus-malus. Lallai, kowane mai keke ana ba shi kari ko tarar ya danganta da kwarewar tuki. Ƙididdigar inshora ta musamman, wanda lissafinsa ba a yi shi ba bisa ka'ida ba, amma bisa ga wasu ka'idoji da ya kamata kowa ya sani, kudaden inshora su ne kudaden da ake amfani da su ga kowane nau'i na motoci (motoci, babura, da dai sauransu).

Ta yaya za ku sani idan kuna da kari ko azaba a matsayin mai biker? Ta yaya zan sami kari na 50% akan inshorar babur? Menene Kyautar Rayuwa ta MAAF ta ƙunshi? Domin fahimci duk abin da kuke buƙatar sani don lissafin kuɗin inshora na babura, wannan labarin yayi bayanin wasu muhimman ra'ayoyi kamar sanannen rabo na malus bonus.

Menene ƙimar hukuncin kari?

Har ila yau ana kiranta ragin girma-raguwa. Bonus-malus - index don ƙididdige ƙimar inshora... Yana ba ku damar haɓaka ko rage kuɗin inshorar babur dangane da halayen direba. Ana lissafin ƙimar inshorar babur kowace shekara dangane da ƙaruwa ko raguwa a cikin wannan alamar.

Ka'idar ma'aunin kari-azaba

Manufar bonus malus shine saka wa direbobi don kyawawan halaye akan hanya. Saboda haka, wannan shine dalili. A cikin sharuddan masu insurer, wannan shine game da sanya mafi yawan masu kera babur su biya kuɗi kaɗan don inshora.

Don haka, idan babu hatsarori da halayen da suka dace, mai insured an ba shi lada tare da rage kudin inshorar babur, wannan kari ne.

Sabanin haka, a yayin hadarurruka da iƙirarin da direban ke da cikakken alhakin ko wani ɓangare, ya takunkumi ta hanyar karuwar kudin inshora : wannan yayi kyau.

Hanyar lissafin inshorar babur

Le ana yin lissafin ƙimar inshorar babur bisa wasu ƙa'idodi... Musamman, shekaru ko matsayin aikin direba, tarihin tuƙi, la'akari da kari ko tuhuma direba, da amfani da babur.

daga abubuwan da ba a kai tsaye ba kuma ana la'akari da su lokacin lissafin adadin a matsayin wuri don tantance haɗarin haɗari ko sata akan shafin. Waɗannan abubuwan ba su da alaƙa kai tsaye da matsayin mahayi kamar haka.

Ana amfani da ma'aunin azabar kari ninka bashin kariyar ta hanyar daidaiton-raunin fansa... Sakamakon da aka samu zai ba da damar sake kimanta girman ƙimar inshorar babur ta hanyar ragewa ko ƙaruwa.

Baya ga canje -canjen farashi don inshorar babur, ana iya bayanin canjin farashin daga shekara ɗaya zuwa na gaba ko dai ta canjin yanayin (alal misali, siyan sabon babur) ko ta hanyar canjin tsarin garanti (canji daga inshora cikakke) zuwa inshora na ɓangare na uku), ko sabuntawa na shekara -shekara na adadin kuzarin kari.

Haɗin Malus na Bonus tsakanin mota da babur

Kuskuren kari yana aiki don duka babura da motoci. Lokacin da kuka canza daga babur zuwa mota, ana iya canza babur ɗin Bonus-Malus zuwa mota kuma akasin haka.

Haka kuma, lokacin buɗe sabon kwangilar inshorar babur, mai insurer zai nemi ku ba shi kwafin duk rahoton bayanan inshorar ku, duka mota da babur. A irin wannan yanayin, sabon kwangilar zai dogara ne akan mafi kyawun ƙimar kuɗaɗen kari.

Hakanan ana buƙatar bayanin bayani don buɗe sabon kwangilar inshora, saboda yana ba masu insurers damar sanin fa'idodin kariyar ku da abubuwan da suka gabata a matsayin direban abin hawa mai ƙafa biyu.

Ta yaya za ku sani idan kuna da kari ko azaba a matsayin mai kekuna?

Don gano idan kuna da kari ko azaba, kuna iya lissafin kanku idan kun saba da hanyoyin lissafi. An riga an bayyana waɗannan hanyoyin lissafin dalla -dalla a sama. Ko da suna buƙatar ƙarancin dabarun fasaha, ba su da wahalar nema. Koyaya, zaku iya tuntuɓar mai insurer ɗinku don rubuta muku wasiƙar labarai.

A wannan batun, ya kamata a lura cewa duk masu insurers ana buƙatar su ba masu mallakar manufofi da labarai kamar na ranar karewa na kowace kwangilar shekara -shekara... Haka kuma Insured ɗin na iya buƙatar sa lokacin da buƙatar hakan ta taso. Ana iya yin roƙon a kan roko ko a rubuce. Ta hanyar doka, mai insurer baya buƙatar fiye da kwanaki 15 don aika wasiƙar.

Yadda ake samun kari na 50% akan inshorar babur?

Farashin inshorar babur shine babban ma'auni lokacin zabar inshorar babur. Kyautar 50% ita ce matsakaicin rangwamen da mai insho zai iya samu akan ƙimar inshorar su bisa ga lambar inshora. Don samun wannan iyakar kari, dole ne ku iya misalta hali na wani ɗan lokaci.

Ka'idar ƙara kari a kowace shekara

Dangane da Dokar Inshora, Farashin inshorar babur yana ƙaruwa kowace shekara da kusan 5% a cikin rashin da'awa. Don haka samun waƙoƙin kari na 50% tare da tuƙi mai kyau ba tare da raunin ku ko cikakken alhakin haɗarin ba. Shekaru nawa na tuƙin da ke da alhakin za a iya samun kari ga ƙimar inshora zuwa 50%?

Gyaran hali sama da shekaru goma sha uku (13)

Ƙara yawan adadin bonus shine 5% a shekara. Don haka samu Kyautar 50% tana buƙatar shekaru goma sha uku na alhakin da tuƙi mai asara.... Koyaya, babu garantin rayuwa akan isa ga wannan kari. Kuskuren kuɗin ku zai ci gaba da canzawa dangane da halayen ku cikin shekara.

Tasirin hatsarin babur akan kari na inshorar babur

Duk wani hatsarin da wanda ke da inshora yana da wani ɓangare ko cikakken alhakinsa yana haifar da ƙaruwa a cikin adadin kuɗin inshorarsa, wato, raguwar ƙimar inshorar babur. A irin wannan yanayi, abubuwa da dama na iya tasowa.

Babban da'awar alhakin

A yayin da ake neman rabe -raben abin alhaki, naku Farashin zai karu da kashi 12.5%... A takaice dai, saboda haka kuna raba ma'amala mara kyau tare da direba na biyu, wanda alhakinsa ya zo bayan yanke shawara kan inshora.

Cikakken Da'awar Da'awa

A yayin da'awar da ke da alhakin ku kawai, za a ƙara ƙimar ku da kashi 25%, watau hukuncin 1,25. Don haka, a matsayinsa na wanda ke da alhakin abin da ya faru, ana amfani da mafi girman hukuncin.

Buƙatar alhaki ga masu mallakar manufofin da suka kai matsakaicin kari

Kamar yadda muka fada a sama, mafi girman kari na doka shine 50%. Ga mutanen da suka kai wannan kari na akalla shekaru uku, hadari na farko da ke da alhakin ba ya haifar da asarar kari... Suna fara rasa shi daga hatsari na biyu.

Kyautar MAAF ta rayuwa

A bayyane yake, koda lokacin da kari yake 50%, ba don rayuwa bane. Yana ci gaba da canzawa dangane da tuƙin ku. Don saukaka wa mai insured, wasu masu insurers, kamar MAAF, suna ba abokan cinikin su kari na rayuwa.... Waɗannan kari ne na kasuwanci waɗanda ba su da alaƙa kai tsaye da ragin lada. Koyaya, wannan ƙarin lada ne ga masu babur waɗanda ke inshora motocinsu masu ƙafa biyu, misali ta hanyar ɗaukar inshorar babur na MAAF.

Menene Kyautar Rayuwa?

Le kari na rayuwa ragi ne na kasuwanci na rayuwa akan ƙimar inshora masu insurers sun bayar kuma ana amfani dasu a duk tsawon lokacin kwangilar a ƙarƙashin wasu yanayi.

Yanayin Kyautar Rayuwa ta MAAF

Don cin gajiyar MAAF Lifetime Bonus, Ƙididdigar fasara-hukunce-hukunce - 0.50 ya katse don babur guda ɗaya da direban farko na farko da wannan kwangilar ta shafe shekaru uku da suka gabata.

Sannan bai kamata direba ya samu ba ba shi da alhakin kowane hatsari a cikin watanni 24 da suka gabata kafin kammala kwangilar inshora. A ƙarshe, direban dole ne ya sami lasisin tuƙi aƙalla shekaru 16.

Bonus-malus, wanda aka ƙaddara dangane da halayen direba ko mahayi, ana la'akari dashi lokacin lissafin ƙimar inshora. Don haka, yana da mahimmanci a koyi yadda ake tuƙi da kyau don samun ragi akan ƙimar inshora.