Nawa ne kudin inshorar mota ƙarƙashin CASCO, OSAGO, DSAGO

Akwai nau'ikan inshorar mota da yawa a Rasha. Mai kowane mota da aka yi rajista a Rasha dole ne ya tabbatar da alhakinsa na farar hula. An haramta amfani da mota ba tare da manufar OSAGO ba. Nawa ne kudin manufar OSAGO?

Farashin OSAGO iri ɗaya ne a duk ƙasar Rasha. Matsakaicin farashin shine 1980 rubles a kowace shekara. Duk da haka, yana iya bambanta sosai zuwa sama dangane da abubuwa da yawa:

• nau'in mota da ikon injin;
• yankin rajista;
• shekarun direba, matsayin zamantakewa;
• kwarewar tuki, adadin abubuwan da aka samu inshora a baya da kuma yawan cin zarafi.

Kowane ɗayan waɗannan abubuwan yana da nasa ƙima, ta hanyar haɓaka ƙimar tushe da ƙima, zaku iya samun ƙimar shekara-shekara na manufofin OSAGO. Alal misali, mai mallakar Ford Focus, wanda ke zaune a Moscow, wanda bai kasance cikin haɗari ba, zai biya kimanin 4700-4800 rubles a shekara don OSAGO.

Matsakaicin adadin biyan kuɗi a ƙarƙashin OSAGO shine 240 dubu rubles, wanda dubu 120 ke zuwa diyya don cutar da lafiya. Aiki ya nuna cewa 120 dubu kadan ne idan kun haifar da lalacewa ga mota mai tsada na waje, saboda haka, an ba da yiwuwar inshora na son rai - "DSAGO". Kudin tsarin DSAGO ya dogara da adadin kuɗin inshora - daga 300 dubu (500 rubles) zuwa 3 miliyan rubles (5000 rubles).

Bayan OSAGO da DSAGO, sanannen samfurin inshora shine inshora na CASCO, wanda zai rama lalacewar da aka yi wa motarka, ba tare da la'akari da wanda ke da alhakin hadarin ba. Ƙididdigar farashin tsarin CASCO ya fi wuya, tun da kowane kamfani na inshora yana ba da yanayin kansa kuma farashin inshora na mota ɗaya zai iya bambanta sosai - daga kashi bakwai zuwa 20 na kudin mota, a Moscow a matsakaici - 12 %.

Idan muka yi magana game da sanannen samfurin Ford Focus na 2010, wanda yanzu zai biya daga 400 zuwa 500 dubu rubles, to dole ne mu biya daga 28 zuwa dubu 80 na CASCO. Kamfanoni da yawa suna ba da zaɓuɓɓukan CASCO sauƙaƙe - inshora akan wasu haɗari, kuma ana iya biyan kuɗin manufofin a cikin kashi-kashi.

Duk da cewa "CASCO" an ƙare har tsawon shekara guda kuma yana da tsada sosai, wannan inshora ya shahara sosai. Ya isa kawai don ƙididdige ɗan ƙididdige adadin nawa mai tsanani bayan haɗari zai kashe ku, kuma za ku fahimci cewa yana da kyau ku biya 40 dubu ɗaya fiye da neman adadin sau da yawa daga baya.

Ana lodawa…