Inshuwaransi yagalimoto yamagetsi. Ndiotsika mtengo kwenikweni?

Zonse izo malonda a magalimoto amagetsi ku France akupitiriza kukula (Malinga ndi Ndi France), magalimoto inshuwaransi pang'onopang'ono akuyamba kupereka zosinthidwa makontrakitala ku magalimoto atsopanowa. Zowonadi, makampani akuyesera kupanga zophimba zomwe zimakwaniritsa zosowa zenizeni za madalaivala a EV.

Koma kodi inshuwaransi yagalimoto yotsika mtengo kwambiri ndi iti? Ndipo chifukwa chiyani?

Kusiyana pakati pa inshuwaransi yagalimoto yamagetsi ndi inshuwaransi yagalimoto ya diesel locomotive

Kuphatikiza pa kusiyana kwa mtengo wogula galimoto yamagetsi kapena yotentha (yatsopano kapena yogwiritsidwa ntchito), kukonza galimoto yotereyi kudzasiyanitsidwa ndi mfundo yabwino. Zowonadi, magalimoto amagetsi atero kuchulukitsa kasanu ndi kamodzi magawo amakanika osuntha kuposa mtundu wamba wamafuta ndi magawo 60% ochepa okha. Iwo zikupezeka sachedwa kuvala kuposa zipangizo zotentha. Njira ziwirizi ndizo zifukwa zazikulu zochepetsera ndalama zosamalira. 

Zitsimikizo zina za inshuwaransi yamagalimoto zimasiyananso kutengera mtundu wagalimoto yomwe muli nayo. Inde, monga tanenera m’nkhani yathu posankha inshuwalansi ya galimoto ya galimoto yamagetsindikofunikira kusankha zitsimikizo zina. Atha kukutetezani ku zoopsa zomwe zimabwera ndi zida zolipirira galimoto yanu, mavuto a batri (ngati mgwirizano wobwereketsa mulibe inshuwaransi), ndi zina.

Kupatula zitsimikizo izi, inshuwaransi yamagalimoto yamagalimoto amagetsi ndi matenthedwe amafanana. Amapereka zitsimikizo zomwezo (udindo wa boma, kusweka kwa magalasi, kuba, moto, etc.). Chifukwa chake, ndizachilendo kudabwa za kusiyana kwamitengo pakati pa mapangano awiriwa. Ndiye yotsika mtengo ndi iti ndipo chifukwa chiyani?

Kodi inshuwaransi yagalimoto yotsika mtengo kwambiri ndi iti?

Ngakhale kufanana kwakukulu pakati pa makontrakitala a inshuwaransi yamagalimotowa, sizachilendo mtengo inshuwalansi galimoto yamagetsi kuposa chitsanzo chofanana cha kutentha. Mwachitsanzo wofanizira Galimoto minitizomwe zimatsimikizira kupeza inshuwaransi yabwino kwambiri yamagalimoto pamtengo wabwino kwambiri, amawerengera ndalama zolipirira pachaka pa avareji ya € 249,61 ya Renault Zoé, poyerekeza ndi € 289,02 ya Renault Clio (dizilo) ya m'badwo womwewo. Kusiyanaku pakati pa malipiro a inshuwaransi kumatha kukhala mpaka 50%, malinga ndi ma inshuwaransi.malipiro a inshuwalansi a magalimoto amagetsi nthawi zonse amakhala otsika kwambiri. Koma n’chifukwa chiyani pali kusiyana koteroko?

Kuchepetsa zodandaula zamagalimoto amagetsi

Magalimoto amagetsi amagwiritsidwa ntchito nthawi zambiri pamaulendo afupiafupi chifukwa cha mtunda wochepa (makilomita mazana angapo). Momwemonso, madalaivala amagalimoto amagetsi nthawi zambiri amayendetsa pang'onopang'ono kuposa eni ake agalimoto. Izi zimawathandiza, makamaka, kusunga batri. 

Makampani a inshuwaransi amaganiziranso izi powerengera mitengo. Zowona, maulendo aafupi komanso liwiro lochepetsedwa kuchepetsa kwambiri ngozi... Kuphatikiza apo, chifukwa cha maulendo aafupi komanso kuthamanga pang'ono, ngozi zazikulu sizichitika kawirikawiri. Choncho, zidzawonetsedwa pamitengo ya inshuwalansi ya galimoto yamagetsi, yomwe idzachepetsenso. 

Ma inshuwaransi amaganiziranso njira zina powerengera ndalama zolipirira inshuwaransi yamagalimoto. Izi zitha kukhala, mwachitsanzo:

• chidziwitso choyendetsa galimoto: woyendetsa wachinyamata adzalipira zambiri chifukwa cha bonasi yowonjezera.
• chiwerengero cha makilomita oyenda pachaka. Utali wamtunda ukakhala waukulu, ngozi ya ngozi imachulukitsidwa.
• ndi zina zotero

Apanso, kuposa kungonena kuti ma EV ndi otsika mtengo pankhani ya inshuwaransi. Dalaivala wachinyamata nthawi zambiri sangakwanitse kugula chitsanzo chamagetsi. Chifukwa chake, madalaivala ena amatha kutenga inshuwaransi popanda ndalama zowonjezera ndikupezerapo mwayi pa bonasi. Kuphatikiza apo, magalimoto amagetsi nthawi zambiri amayenda mtunda waufupi kuposa ma locomotives a dizilo. Izi ndi chifukwa cha kudziyimira m'munsi kwa omaliza.

Mphotho ya eni magalimoto aukhondo.

Ma inshuwaransi ena amaperekanso phindu lazachuma (kuchotsera, ziphaso zamphatso, ndi zina). Zopindulitsa izi zimapangidwira madalaivala otchedwa galimoto yoyera. Awa ndi magalimoto okhala ndi mpweya wa CO2 wochepera 120 g / km. Chifukwa chake, madalaivala amagalimoto okonda zachilengedwe amatha kupeza kuchotsera kokongola kuposa madalaivala otentha.

Tengani pansi ndikusankha galimoto yamagetsi, kotero izi mwayi kupanga ndalama zosangalatsa za inshuwaransi yagalimoto yanu komanso pa ndalama zanu zosamalira... Kodi kulola kunyengedwa ndi kudutsa ndi chiyani? Avtotachki zosavuta kupeza galimoto yanu yamagetsi.

Kuti mudziwe zambiri za inshuwalansi ya galimoto yamagetsi, werengani nkhani yathu "Momwe mungasungire bwino galimoto yamagetsi".