Kodi mungasankhe bwanji inshuwaransi yamagalimoto?

Inshuwaransi yagalimoto ndiyokakamiza, imakulolani kuyenda pagalimoto m'misewu yapagulu ndipo imaphimba zinthu zomwe galimoto yanu ingawononge kwa inu kapena kwa munthu wina. M'nkhaniyi, tikulangizani pa kusankha kwanu Inshuwaransi yagalimoto.

🔎 Ndi inshuwaransi iti yomwe mungasankhe?

Sikuti mapangano onse a inshuwaransi amapereka chithandizo chofanana. Zofunika sankhani mosamala inshuwaransi yake yamagalimoto kuti atetezedwe muzochitika zilizonse.

Mitundu itatu yamakontrakitala a inshuwaransi yamagalimoto ikuperekedwa pano:

• Inshuwaransi yamilandu : Izi ndi mlingo chitetezo chochepa zofunika ku France. Imalipira kuwonongeka kwa galimoto yanu kwa munthu wina. Komabe, dalaivala wa galimotoyo ndi galimoto yake salandira inshuwalansi chifukwa cha kuwonongeka komwe kwachitika.
• Inshuwaransi yowonjezera ya chipani chachitatu : Zimaphatikizapo inshuwaransi ya chipani chachitatu yomwe zina zowonjezera zawonjezeredwa. Amatsimikiziridwa posayina mgwirizano ndi inshuwalansi. Chitetezo ku zoopsa zina ndi chokulirapo, monga magalasi osweka, kuba, moto, ngakhale masoka achilengedwe.
• Inshuwaransi yambiri : Izi ndizokwanira kwambiri zomwe zimapereka kufotokozera bwino kwambiri kwa woyendetsa galimoto ngakhale pachitika ngozi. Ubwino wina ndikuti umakupatsani mwayi wosankha njira yolipirira yomwe mukufuna ngati galimoto ikuwonongeka: kubweza ndalama kapena kubweza galimoto.

. Mitengo mgwirizano wanu zimasiyana malinga ndi mtundu wa Kuphunzira inu kusankha, chitsanzo galimoto yanu ndi mayendedwe ake dera makamaka dalaivala mbiri yanu.

Mbiri yanu imatsata mbiri yanu mbiri yoyendetsa m'zaka 5 zapitazi malinga ndi zodandaula. Amatchedwa bonasi Malus.

Ndi coefficient yomwe imawerengedwanso chaka chilichonse kuti ipereke mphotho kapena kulanga woyendetsa molingana ndi mbiri yake komanso luso lake loyendetsa (madalaivala achichepere, zobwerezabwereza, ndi zina). Imayika kuchuluka kwa inshuwaransi yagalimoto yomwe imalipidwa ndi mwiniwakeyo.

Muyenera kukhala ndi inshuwaransi kuti muyende ndi galimoto yanu. Zowonadi, kuyendetsa popanda inshuwaransi ndiko DELit ali ndi chindapusa 3 750 €, kutsekereza kapena kulanda galimoto yanu ndikuyimitsa laisensi yanu yoyendetsa mpaka Zaka 3.

🚘 Chifukwa chiyani mugwiritse ntchito chofananira ndi inshuwaransi yamagalimoto?

Makampani a inshuwaransi nthawi zonse amapereka njira zopindulitsa kwambiri kapena zochepa malinga ndi zosowa zanu. Pitani modutsa auto inshuwaransi comparator ndiye njira yabwino yofananizira mitengo ndi kufalitsa komwe mungalembetse.

Mumphindi zochepa chabe, mutha kuthamanga kutsatira zosinthidwa ndi mbiri yanu ndikupeza zambiri kuposa 50 ma inshuwaransi.

Choyamba, muyenerafotokozani mbiri yanu yoyendetsa ndi chitetezo chanu chokhudzana ndi galimoto yanu: malo, tawuni kapena kumidzi, kuyendetsa nthawi zonse, mabonasi am'mbuyomu, zaka zanu, ndi zina zotero.

Zosowa izi ziyenera kugwirizana ndi bajeti yanu, kotero tikukulangizani kuti muchite zopempha za inshuwaransi yamoto amene afotokoze mwachidule:

1. Fomu ya inshuwaransi yosankhidwa (wachitatu, gulu lachitatu lalemeretsedwa, kapena zoopsa zonse).
2. Mtengo wa inshuwaransi wapachaka wa inshuwaransi yamagalimoto.
3. Kuchuluka kwa chilolezo.
4. Mtengo wa zosankha zowonjezera amene mwasankha.
5. Malipiro amalipiro.

Kugwiritsa ntchito wofananira pa intaneti kumakupatsaninso kupulumutsa nthawi chifukwa mutha kugula inshuwaransi yamagalimoto pa intaneti nthawi yomweyo, izi zimatchedwa 100% kulembetsa kwa intaneti.

📝 Momwe mungaletse inshuwaransi yamagalimoto?

Ngati mungalembetse kufananitsa inshuwaransi yamagalimoto, ndizotheka kuti mupeza zabwinoko kuposa zomwe muli nazo pano. Musanayambe kusintha mgwirizano, muyenera kupanga kufunsa kutha kwa inshuwaransi yake yamagalimoto.

Pali 4 kuchotsa zinthu kuyimitsa contract yanu:

• April 1 ndi mgwirizano, mutha kuyimitsa nthawi iliyonse chifukwa cha Lamulo la Hamoni.
• Ngati inshuwaransi yanu yamakono siili palibe kutchulidwa kwa kuthekera kwa kuthetsa mkati mwa nthawi yodziwika (Chilamulo cha Chatel).
• Momwemo Chidziwitso cha kutha kwa mgwirizano wanu chimatumizidwa pasanathe masiku 15 mpaka yomalizayo iyambiranso.
• Pa nthawiyi kusintha mkhalidwe : kugulitsa galimoto yanu, kuba ...

Kuti kuthetsedwa kuganizidwe, muyenera kutumiza Kalata yolembetsa yovomereza kuti walandila inshuwaransi yanu osachepera 2 miyezi isanafike tsiku lomaliza ma contract a inshuwaransi yamagalimoto. Kuthetsa kumagwira ntchito ikatha ntchitoyo mogwirizana ndi Inshuwalansi Code (nkhani L113-12).

Kusankha inshuwaransi yamagalimoto ndi gawo lofunikira, kumakupatsani mwayi wokhala ndi inshuwaransi yabwino komanso pamtengo wabwino kwambiri. Kudutsa wofananira wa inshuwaransi kumakupatsani mwayi wochulukitsa zomwe mungasankhe ndikupanga chisankho choyenera ndi chidziwitso chonse chomwe chili m'manja mwanu.