Nawa ne kudin CASCO na mota da kuma yadda ake lissafin kudinta

Sabanin OSAGO - inshorar abin alhaki na wajibi, CASCO - nau'in inshorar mota ne na son rai. Kasancewa da tsarin CASCO a hannu, idan wani hatsari ya faru saboda laifin ku, za ku karɓi diyya na kuɗi don gyara motar ku da ta lalace, yayin da a ƙarƙashin OSAGO kamfanin inshora zai biya kuɗin barnar da kuka yi wa wanda ya ji rauni maimakon. ka.

Babban abubuwan inshora a ƙarƙashin CASCO:

• satar mota ko sassanta;
• lalacewar haɗari;
• mayar da kudaden don maido da lafiyar direba da fasinjoji bayan wani hatsari;
• barnar da aka yi a sakamakon karfi majeure, fadowar ciyayi, bishiyu, barnar da wasu mutane suka yi sakamakon haramtattun ayyukansu.

Lissafin farashin manufofin CASCO ya dogara da abubuwa da yawa, manyansu sune:

• yi da samfurin mota, shekarar da aka yi;
• yankin zama;
• shekaru, jinsi da kwarewar tuki;
• kudin mota.

Farashin manufofin ya bambanta a cikin kamfanonin inshora daban-daban. Kusan magana, cikakken tsarin CASCO (wato, diyya ga lalacewa sakamakon haɗari, sata ko bala'o'i) zai kashe aƙalla 4% na farashin motar.

Bari mu dauki wannan yanayin:

Yarinya, mai shekaru 25-30, mai mallakar BMW X5 2012, ya sayi mota daga dila mai izini akan 3,5 miliyan rubles. Manufar inshora wanda ya haɗa da duk haɗari zai biya 650-700 dubu rubles !!! Amma wannan yana cikin shahararrun kamfanoni. Idan ka gwada, za ka iya samun adadin ko da ƙananan - 200-400 dubu rubles. Kuma don shirye-shiryen da aka yi niyya, za ku iya kaiwa ƙananan kuɗi.

Abin da ya rinjayi irin wannan babban farashi: shekaru, ƙananan ƙwarewar tuki, tsadar mota. A sakamakon haka, mun kai 6-15% na kudin mota.

Idan muka ɗauki hoto mafi dacewa ga yawancin jama'a, alal misali, Lada Priora 2013, wanda aka saya don 450 dubu rubles. Kwarewar tuki na direba - shekaru 20, shekaru - shekaru 40, motar tana cikin filin ajiye motoci masu tsaro, akwai tsarin ƙararrawa na yau da kullun. Muna shigar da bayanai a cikin ma'auni na kan layi kuma muna samun farashin farashi daga 80 dubu ba tare da ikon amfani da sunan kamfani ba zuwa 20 dubu rubles tare da ikon mallakar ikon mallakar 20 dubu.

Don haka, dangane da kamfani da yanayin inshora, manufar CASCO za ta biya daga kashi 16 zuwa 4 na farashin mota.

Ana lodawa…