Kodi magulu a inshuwaransi yamagalimoto ndi chiyani?

Inshuwaransi ndi imodzi mwa ndalama zomwe zimafunika kwambiri poyendetsa galimoto, ndipo zingasiyane kwambiri malinga ndi msinkhu wanu, mtundu wa galimoto yanu, ndi kumene mukukhala. Komabe, chimodzi mwazinthu zazikulu zomwe makampani a inshuwaransi amaganizira powerengera ndalama zomwe mumalipira (zochuluka bwanji) ndi gulu la inshuwaransi yagalimoto yanu. Apa tikufotokoza zomwe magulu a inshuwaransi ndi chifukwa chake ali ofunikira.

Kodi gulu la inshuwaransi yamagalimoto ndi chiyani?

Magulu a inshuwaransi yamagalimoto ndi njira yowerengera yomwe imagwiritsidwa ntchito ndi makampani a inshuwaransi aku UK kuti athandizire kuwerengera kuchuluka kwa inshuwaransi yanu. Maguluwa amawerengedwa kuyambira 1 mpaka 50 - kuchuluka kwa chiwerengerocho, mphotho yanu imakwera. Kawirikawiri, magalimoto ang'onoang'ono otsika mtengo ali m'magulu apansi, pamene magalimoto othamanga ndi okwera mtengo ali m'magulu apamwamba.

Kuyang'ana magulu a inshuwalansi kungakhale kothandiza posankha galimoto yogula ngati mukufuna kusunga ndalama za inshuwalansi, zomwe ndizofunikira kwambiri kwa madalaivala ambiri atsopano.

Kodi magulu a inshuwaransi amatsimikiziridwa bwanji?

Galimoto isanagulidwe ku UK, bungwe lodziyimira pawokha lochita kafukufuku lomwe limalipidwa ndi makampani amagalimoto limapereka gulu la inshuwaransi. Popanga chisankho chopereka ma rating, bungwe limaganizira zinthu zingapo.  

Izi zikuphatikizapo mtengo wa galimoto ikakhala yatsopano, kuthamanga kwa galimotoyo, kutetezedwa kwa galimotoyo, ndiponso mmene chitetezo chake chilili bwino. Mtengo wa magawo 23 wamba, zovuta kukonza pambuyo pa ngozi, komanso nthawi yokonza zimaganiziridwanso.

Nthawi zambiri, magalimoto a inshuwaransi yocheperako ndi otchipa, amakhala ndi injini zocheperako, ndipo ndi otsika mtengo pokonzanso. Magalimoto omwe ali m'magulu a inshuwaransi apamwamba amawononga ndalama zambiri, amakhala ndi mphamvu zambiri, ndipo nthawi zambiri amakhala ovuta komanso okwera mtengo kukonza.

Kodi malipiro a inshuwalansi ya galimoto amawerengedwa bwanji?

Kuwerengera kwamagulu a inshuwaransi ndi chinthu chofunikira kwambiri chomwe makampani a inshuwaransi yagalimoto amagwiritsa ntchito powerengera ndalama za inshuwaransi. Komabe, amaganiziranso zinthu zina monga msinkhu wanu, ntchito yanu, kumene mumakhala, kaya muli ndi mfundo pa laisensi yanu yoyendetsa galimoto, komanso ngati munachita ngozi.

Makampani a inshuwaransi amagwiritsa ntchito chidziwitsochi kuti adziwe mwayi woti mupereke ndalama. Mwachitsanzo, madalaivala atsopano ndi omwe amatha kupanga ndalama zambiri kuposa oyendetsa odziwa zambiri, choncho inshuwalansi ya madalaivala atsopano imakhala yodula kwambiri. Ndipo anthu omwe amapita kuntchito tsiku lililonse amakhala odandaula kwambiri kuposa omwe amagwira ntchito kunyumba.

Ndi magalimoto ati omwe ali ndi inshuwaransi yabwino?

Galimoto iliyonse m'magulu a inshuwaransi kuyambira 20 mpaka 50 (mwa 1) iyenera kukhala yotsika mtengo kuti ikhale ndi inshuwaransi. Komabe, ngati mukufunadi kuchepetsa ndalama zanu, muyenera kugula galimoto kuchokera kugulu la XNUMX. Magalimoto oterowo amakhala ngati magalimoto ang'onoang'ono amtawuni okhala ndi zida zoyambira. 

Zitha kumveka ngati zosokoneza, koma ngakhale galimoto yamakono yamakono imakhala ndi mawonekedwe abwino kuposa magalimoto ena apamwamba zaka 20 zapitazo. Zimakhalanso zotsika mtengo kugula ndi kuyendetsa, ndipo kuphweka kwawo kumatanthauza kuti sangathe kusweka kusiyana ndi galimoto yodula kwambiri.

Pali magalimoto ambiri m'gulu loyamba la inshuwaransi. Onani kusonkhanitsa kwathu kwa magalimoto 8 a inshuwaransi omwe amagwiritsidwa ntchito kwambiri pagulu 1.

Ndi magalimoto ati omwe ali okwera mtengo kwambiri kutsimikizira?

Pamwamba pa magulu a inshuwalansi ndi Gulu 50. Magalimoto a Gulu 50 nthawi zambiri amakhala okwera mtengo, opindulitsa komanso osowa. Amapangidwanso kuchokera ku zinthu monga aluminiyamu ndi kaboni fiber ndipo amakhala ndi makina ovuta amagetsi omwe amawapangitsa kukhala ovuta komanso okwera mtengo kukonza. 

Magalimoto apamwamba monga Bentley ndi Rolls Royce ndi supercars monga Ferrari ndi McLaren amakonda kukhala m'gulu la 50. Koma ngati mungathe kugula magalimotowa, mwina simukudandaula makamaka za mtengo wa inshuwalansi.

Ndi gulu liti la inshuwaransi lomwe lili ndi magalimoto amagetsi?

Palibe lamulo lolimba komanso lachangu lomwe magulu a inshuwaransi amaphatikiza magalimoto amagetsi. Komabe, malamulo omwe amagwiritsidwa ntchito kawirikawiri - galimoto yamagetsi yotsika mtengo idzakhala m'gulu laling'ono kusiyana ndi lalikulu komanso lokwera mtengo.

Komabe, nthawi zambiri, magalimoto amagetsi amakhala mgulu lapamwamba kuposa magalimoto ofanana amafuta kapena dizilo. Izi ndichifukwa choti magalimoto amagetsi akadali chinthu chatsopano, ndipo ngakhale ali ndi zida zochepa zamakina kuposa magalimoto a petulo kapena dizilo, mtengo wowasamalira ndikuwongolera pakapita nthawi ndi wochuluka kuposa wosadziwika.

Kodi ndingapeze galimoto yokhala ndi inshuwaransi?

Ntchito zolembetsera galimoto zimakupatsirani mwayi wopeza galimoto yatsopano kapena yogwiritsidwa ntchito pamtengo wokhazikika pamwezi womwe umalipira chilichonse chomwe mungafune kuti galimoto yanu ikhale panjira, kuphatikiza inshuwaransi. Kulembetsa kwa Cazoo kumaphatikizapo galimoto, inshuwaransi, kukonza, kukonza ndi misonkho, ndipo mutha kusankha nthawi yolembetsa kwa miyezi 6, 12, 18 kapena 24.

Cazoo ili ndi magalimoto ogwiritsidwa ntchito apamwamba kwambiri ndipo tsopano mutha kupeza galimoto yatsopano kapena yogwiritsidwa ntchito polembetsa ku Cazoo. Ingogwiritsani ntchito kusaka kuti mupeze zomwe mumakonda ndikugula, perekani ndalama kapena kulembetsa pa intaneti. Mutha kuyitanitsa zobweretsera kunyumba kapena kukatenga malo omwe ali pafupi ndi makasitomala a Cazoo.

Tikuwonjezera nthawi zonse ndikukulitsa mtundu wathu. Ngati mukuyang'ana kugula galimoto yogwiritsidwa ntchito ndipo simukupeza yolondola lero, ndi zophweka khazikitsani zidziwitso zotsatsira kukhala oyamba kudziwa tikakhala ndi magalimoto omwe amagwirizana ndi zosowa zanu.