Hull inishuwarenzi ane deductible - chii? Sei munhu kodzero muna Hull?

Asati kureva motokari, zvinokosha tinyatsoziva dzinokosha mazwi zvinoshandiswa nzira iyi, kunyanya "kodzero". Inishuwarenzi yomuchipatara vanosungirwa kuti kukuudza pamusoro zvose zvakanakira kuzviwanira itsika. Asi kwete chokwadi kuti anotsanangura nuances yokushandisa nengowani pamwe kodzero. Chii chiri uye chii mashoko rakapa basa iri, verenga muudzame munyaya ino.

tsananguro

Deductible - nemari kuti munhu aizofanira kubhadhara pachavo apo insured chiitiko. It kungaratidzwa mu% kana mhedziso nemashoko. saizi yaro iri vakabvuma pachine uye raanotaura mutemo. Mutengi awana dhisikaundi, kana iwe uchibvuma kutenga ngowani ane deductible pamusoro RESO.

mhando

Ndokunge kodzero: kubhadhara zvose kuti kupfuudza saizi yayo, kambani iri zvakazara ndanyarara hangu. Asi kana motokari kunodyira zvishoma kupora, kubva insurer achagamuchira chinhu pasi mutemo. Muenzaniso: kodzero iri 10 000 rubles, uye kugadzira mari - 8000 rubles. Maererano mashoko chesungano iri iyi, kuti nemhosva asingadi kuwana chinhu. Asi kana mari yakawandisa 12 zviuru rubles, inishuwarenzi compensates kuti kukuvara zvakakwana uye haangazvidembi bvisa kukosha kodzero. In tsika, pfungwa iyi haisi nguva dzose kushandiswa, sezvo kubiridzira inowanzoshandiswa kuwanikwa kana mutengi zvakananga anowedzera chitsama kukuvadzwa kodzero pamwero.

Kazhinji vatengi vanosarudza kutenga Chikomo inishuwarenzi gwara ane deductible. Zvinorevei? Chero zvazvingava, mutengi achagamuchira inishuwarenzi muripo wacho kubvisa akafanorongerwa mari (kwakakwana kodzero). Muenzaniso: mu mutemo chinyatsotsanangurwa kodzero iri uwandu 3000 rubles. Vakaverenga mutengo rokudzorera motokari - zviuru 10 rubles. The yeGmail.END_STRONG achagamuchira kubva kwavari rubles 7000 chete. Mari yasara aizofanira kudzikamisa yavo. policies vakadaro vanotengwa kakawanda.

Supplements

Chikomo inishuwarenzi ane deductible pamusoro isiyo ane mhando mbiri. Chikamu mari kuti yeGmail.END_STRONG achapora pachavo, kungaratidzwa sezvo imwe mari kana kubva muzana. Kana yechipiri riri kufungwa yabvaruka. Bhuku kodzero uye izwi yekushandiswa zvinosiyana maererano.

Muenzaniso: kuisa mutemo Chikomo inishuwarenzi deductible mu uwandu 15% uwandu kukuvara. Kudzorerwa mota vanoda 50 zviuru. Kwiza nechekuzasi. Wekambani (IC), kuti nemhosva achagamuchira 50 * (1-0,15) = 42,5 zviuru. Kuzora. A Zvakasara - 7.5 - kubhadhara vakazvimiririra.

Heunoi sei kodzero iri inishuwarenzi Hull.

Goodies

Zvichienderana nemamiriro ezvinhu, kutyaira zvakaitika, zvinodiwa uye nemikana nemakasitoma policies vakadaro vane akawanda zvaizomunakira.

1. The mari kutenga. Policy ane deductible anogara isingadhuri kupfuura pasina izvozvo. rutapudzo Kazhinji maviri mudanga Kukosha wakaiswa uwandu. Kunyanya zviri kuoneka munyika kukudyira kuti vatyairi vechiduku (pasi pemakore maviri). Kwavari, kazhinji yakasimbiswa multipliers. The dhisikaundi kunowedzera zvakaenzanirana munhu wakaiswa chitsama. Ngaaverenge anofungidzirwa Mari mutemo, unogona kushandisa paIndaneti karukureta pamusoro Website wekambani yacho inishuwarenzi. Asi dzawira chigadzirwa yakadaro, zvinokosha kungwarira zvichiita kuti chikamu mari chero nyaya achafanira kuripa pachavo.
2. Save nguva. For anokwenya duku riri mumuviri, kana zvimwe kuvadza yeGmail.END_STRONG havazofaniri kuonana kambani kuwana mubhadharo. deductible mari pamusoro Chikomo Muzviitiko zvakadaro hakuna inopiwa.
3. Maererano nenhamba, motokari ane deductible zvishoma kupinda mutsaona. It unoshanda munhu mupfungwa chinhu. Mutyairi anonzwisisa kuti kunyange motokari uye insured, asi chikamu mari zvichataurirana kudzikamisa yavo. Tinogona kutaura kuti kodzero anoita vanhu kushandisa motokari vakachenjerera.

Kunobatsira Insurance Company

Kuvapo kodzero anoponesa nayo kubva rine kumhanya dzvuku tepi kuti abhadhare duku nekuripira 2-3 zviuru rubles. Mashandiro magadzirirwo mapepa nguva dzose chete. Asi ichi nzira yokufambisa anogona pfuura zvikuru chitsama muripo pachayo. Hull pamwe kodzero anoponesa pamusoro zvevafundisi mari. Ndiwo mukana mutengi wacho zvaimunetsa. Munhu asina mumwe nguva kubika munhu packet magwaro kuwana dzosera muUK. Kunyanya kufunga kuti chirongwa kunyoresa kuchengetedzeka kana motokari anofanira kwakagadzirwa, zvingatora inoverengeka.

vamwe mikana

Kunze vaiona chinyakare Franchises, SK zvaipiwa nevamwe mitemo. Vari aida kuti mapoka chaiwo vatengi.

Dynamic kodzero Hull kana payout kubva nyaya yechipiri. Musimboti kuroorwa ndechokuti nhoroondo zvaparadzwa rokutanga reimburses muUK ravo yose. Yechipiri anotanga kushandisa kodzero. Dzimwe nguva zviri kubva muzana inowedzerawo nomumwe yeGmail.END_STRONG kuti kurapwa muUK. Panguva iyoyo inogona kuchinja mune imwe geometric kunoita.

Akaderedza deductible chete kushandiswa kana kukonzera tsaona hachisi nemhosva. CK vanosungirwa kugadzirisa ukama, kunyange kana mumwe mutyairi vakatiza atsamwa.

Zvichienderana nguva apo insured chiitiko yakatanga, chimwe Hull ine deductible angashandiswa. Zvinorevei? Mutemo nzira dziri chinyatsotsanangurwa kukuvadza kwete chete, asiwo nguva yavakanga muka. Kana insured chiitiko chakaitika tichikufunga, kuti nemhosva inobhadhara zvose mari pachavo.

Muenzaniso: mutyairi inoshandisa motokari chete pamusoro mevhiki. Pakupera kwevhiki, yakatamira mabhazi. Iye akafunga ape pfupi Chikomo kodzero. Kana insured chiitiko kunoitika pamusoro weekday, kambani compensates zvose mari. Asi kana mutyairi opinda tsaona musi weSvondo, mari kudzorerwa motokari achafanira kubhadhara kubva muhomwe.

Kana kwete kutenga maitiro

• Kana Kuwanikwa vakasununguka zvinhu nokuda yakazvimirira chikamu mutengo. Discount inopiwa kana kutenga mutemo, zvichaita chete kuti kupedzerwa igadziridzwe. Asi insured chiitiko kurege kuitika. Ipapo zvinobatsirei pachena.
• Kuvimba kutyaira unyanzvi uye Kuwanikwa refu dambudziko-isina ruzivo. Kana mutyairi sokuti hove mumvura seri vhiri, ipapo mutemo Hull ane deductible runogona kukuponesa mari. Mukana petsaona nguva dzose. Asi kana yakachengeteka dzokutyaira Style akaratidza makore akawanda ruzivo, kodzero kuchabatsira kuponesa chikamu mhuri bhajeti.
• Full Hull rinosanganisira "Kukuvadzwa" uye "kuba". Ngatitii munhu anoda kubetserwa anoda insured chete pazuva rokutanga ngozi, nokuti chivimbo dzavo unyanzvi uye anokwenya diki pamusoro muviri haangavi kuteerera. Zvino zvakafanira kutenga zvizere Hull ane kodzero guru (7% kana kupfuura), mumwe compensating "Kukuvadzwa". "Hijacking" zvinogona insured kwete zvose makambani, kana kuti, basa inowanika pasuru nevamwe. Saka, muna Pakadaro zvakafanira kuwana zvizere negwaro.

Kana kodzero ndiko kupa

Maererano nenhamba, basa iri harisi zvinobatsira vatengi, uyo kazhinji kuwana pachavo mutsaona. Zvikurukuru, rinoshanda ruzivo vatyairi uye vaya vanonzwa kuchengeteka panguva vhiri. vanhu vakadaro vari nani kutenga inishuwarenzi pa mutengo zvizere, kufungisisa zvinhu zvose. Tsaona Minor nemakasitoma zvakadaro zviitike kakawanda mwedzi.

Kana kodzero kunobatsira

Pamisika kunongova akasiyana policies kuti chingava dzakakodzera mune dzimwe vatengi. Vatyairi ruzivo nani kunotenga yakazara Chikomo, izvo chose chakanaka chero zvakakanganiswa kumapati rechitatu. Vanhu vachangobva kupiwa kodzero, unofanira kuteerera inishuwarenzi ane simba kodzero. Big dhisikaundi kwavari haina inopiwa, asi mupfungwa chinhu vacharamba kushanda. Vatyairi vane chikuru ngozi zvingangoguma kuba kana kuparadzwa, zviri nani kuwana Chikomo aine kunonyanyisa mari kodzero Somuenzaniso, purogiramu "50 kusvika 50".

Nhamba yacho mari

IC neimwe pachayo anoti paunogumira kuti kukuvadza. Nyaya dzatongwa deductible kuti kushandiswa 0 kana 100%, ndiyo apo neapo. Asi nguva dzose anoita patasvika: dzapasi kukosha chinhu, zvikuru mutengo vachafanira kuripa mutengi. Hull deductible pakati RESO Kazhinji inopiwa anotevera ezvinhu: 0.5-1% of mari kudzorera motokari somugumisiro yetsaona, zvisiri pamutemo zviito zvimwe vanhu, uye 5% kuti kuba ngozi iri zvaizopedza nokuda mutengi. Kana ino mutengo uri 0%, ipapo mutengo mutemo mota anodhura inogona kusvika 6% of motokari cost, mudzimba - 3,96%.

Credit Car Insurance

Nzwisisa zvose nuances ose mutemo ichiri pamire. Kunyanya kana motokari iri yakatengwa nechikwereti. Banks vane mazita avo vamwe-insurers, izvo kare rakabvumira mazwi pamwe. Pedzisai sungano emisasa kupfuura pamisika, vatengi vari kutenga mu OJSC "Sberbank" Chikomo. Franchise nokuti kwema dzakadaro anopiwa iri fanira hwaro. Kunyange zvazvo mari mutemo inogona kuderedzwa pasina kuwedzera ngozi vayo. Somuenzaniso, kana nemhosva achida inishuwarenzi motokari chete pamusoro chikwereti mari, kureva 70-80% of mutengo mumotokari. Asi iyi, kubhangi zvichange zvakawanda kuchengetedzwa. The muripo achava Proportional kuti kukura chikwereti kubvisa kodzero. Kana izvi kune nhoroondo kana basa, izvo zvinobatanidzwa kudzorerwa motokari, kana chirongo, kana motokari yave zvakabiwa, kana kuparadzwa zvachose. Asi kana muripo huwandu hakurevi kufukidza pakuenzanisa chikwereti, asi nemhosva vacharamba kubhadhara chikwereti kubva muhomwe yake.

Miser anobhadhara kaviri

Kana Mutumwa anoti: "Tiri zvishoma kudzikisa iwe mwero", kuti nemhosva vanofanira kunzwisisa kuti pane iyi achava kudzikamisa chikamu chikuru mari pachavo. A zveruponiso duku tanga runoratidzwa kuwedzera mwero (mari) pakati kodzero. Zvinosuruvarisa, tsika yacho inishuwarenzi mu Russia underdeveloped. Nekuti vanhu havana kunyatsonzwisisa musimboti zvose pfungwa uye ukama pakati muripo uye deductible, iwe matenderana chikumbiro kutenga nevasori inishuwarenzi pamwe 5-10% pachake mari.

50 kusvika 50

Chete muna MTPL deductible wakaiswa pachine. Asi ichi kana motokari iri insured nechokwadi chokuti aigona rova munhu. Kakawanda, vatyairi tora iri mugwaro iri nguva kuongorora. Naizvozvo, chinhu chinokosha dzavo nyasha mutengo. It anoshanda patasvika. Kuderedza mutengo mutemo, muUK anowedzera kodzero. Asi inishuwarenzi yakadaro kungava dzakakodzera chete vatyairi ruzivo. Asi vose vanoziva chikanganiso chavo chete kana insured chiitiko, apo zvinoitika kuti mutemo rinofukidza chete 50% of mari.

mhedziso

Kuti inishuwarenzi motokari kubva kukuvadza inogona kushandawo somugumisiro zviito kumapati rechitatu, unofanira kutenga mutemo ine deductible Hull. Chii? Mune chiitiko petsaona yacho nemhosva vanogona kutaura kambani yacho inishuwarenzi kuti mari kuti mari kuti motokari kupora. Pashure yokunyoresa kuchengetedzeka zvose muripo vachaitwa mumamiriro Verengai insured, asi kubvisa pasi deductible. Kureva insured munhu achiri kutakura chikamu Nokurasikirwa, asi saizi yavo inyoreswe pachine ari kondirakiti sechipiriso mari yakatarwa kana kubva muzana.