Inshorar abin alhaki na ɓangare na uku - matasan direbobi suna biyan kuɗi sau biyar fiye da gogaggun direbobi

A shekarar da ta gabata, kowane hatsari na biyar ya faru ne sakamakon direbobi masu shekaru 18 zuwa 24. Kamfanonin inshora suna tunawa da wannan, don haka matasa masu motocin suna biyan kuɗi da yawa don inshorar farar hula na wajibi, kamar na hatsi.

Alkaluman 'yan sanda sun nuna cewa shekaru da yawa ana fuskantar barazana mafi girma a kan titunan kasar Poland daga matasan direbobi masu shekaru tsakanin 18 zuwa 24. A cikin 2012, sun haifar da haɗari 6, watau 526%. duk abubuwan da suka faru. Wannan yana nufin cewa a cikin kowane 21 10 da yawa kamar 17,3 hatsarori da suka shafi ƙaramin direbobi.

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Wannan ya fi na sauran ƙungiyoyin waɗanda ke da alhakin hatsarin. Don kwatanta, a cikin shekaru 25-39 shekaru, wannan hadarin nuna alama ya kai 11 hatsarori, da kuma tsakanin direbobi na 40-59 shekaru, kawai 7,2. Yiwuwar lalacewa ta hanyar ƙwararrun direbobi yana da girma, tare da abubuwan kuɗi.

- Ana buƙatar masu insurer don ƙididdige ƙididdiga bisa ƙididdiga, kuma wannan yana nuna a fili matsayi mara kyau ga direbobi masu shekaru 18-24. A sakamakon haka, kowane mutum a wannan rukunin yana biyan ƙarin kuɗi, ba tare da la’akari da ko sun yi hatsarin ko a’a ba, in ji Przemysław Grabowski na CUK Ubezpieczenia, dillalin inshora.

Ko da yake novice direbobi suna biyan ƙarin inshorar abin alhaki, masu insurer ba su da ƙayyadaddun ƙa'idar farashin farashi. A aikace, wannan yana nufin cewa wasu kamfanoni sun fi son tabbatar da mutanen da ke da ƙananan ƙwarewar tuƙi.

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- Kuna iya samun kamfanoni waɗanda shekarun direban ba su da matsala mai tsanani, kuma ga sauran masu insurer, karuwa ya tashi daga kashi 30 zuwa 75 bisa dari na farashi mai mahimmanci. A sakamakon haka, kowane kamfani yana da farashi daban-daban, wani lokacin har ma da ɗari ko dubun zlotys sama da masu fafatawa. Kafin siyan inshorar abin alhaki na ɓangare na uku, mai motar ya kamata ya tuna ya kwatanta tayi daban-daban kuma ya zaɓi mafi arha, in ji Przemysław Grabowski.

Kididdigar CUK Ubezpieczenia ya nuna cewa wani matashi dan shekara 19 da ke zaune a Warsaw wanda ke tuka mota kirar Toyota Corolla mai shekaru shida zai biya akalla PLN 2 na inshora na farko a daya daga cikin kamfanonin. Bi da bi, da sauran kamfanin zai bayar da wannan direban na uku inshora inshora a cikin adadin PLN 184 5, wato, PLN 349 3 more. 

Mahimmanci, ana yin farashi ta wannan hanya, ba tare da la’akari da garin da motar ta yi rajista ba. 

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Don ganin nawa ne novice masu ababen hawa ke biya, duba kawai farashin ɗan shekara 39, shi ma daga Warsaw, wanda ya yi shekaru 10 yana siyan inshorar alhaki, bai taɓa samun rauni ba kuma yana tuka Toyota Corolla iri ɗaya da mai shekaru 443. - tsoho. shekaru. Irin wannan direba zai sami manufar ko da na PLN XNUMX. Wannan kusan sau biyar ne mai rahusa fiye da mafi ƙarancin farashi na direba mai shekaru XNUMX.

- Sanin kasancewar irin waɗannan jeri na farashin yana da mahimmanci saboda a cikin yanayin inshorar inshorar abin alhaki na ɓangare na uku, farashin shine mafi mahimmanci. Matsakaicin kariya, duk da haka, yana da mahimmanci na biyu, doka ta tsara shi, kuma kowane mai insurer yana ba abokan ciniki kariya iri ɗaya, in ji Przemysław Grabowski. 

MMI bisa bayanin da CUK Ubezpieczenia ta bayar

Hoto: OWENthatsmyname / flickr.com mai lasisi ƙarƙashin CC BY 2.0 

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