Inshuwaransi yachinyamata: zonse zomwe muyenera kudziwa

Madalaivala onse ayenera kukhala ndi inshuwaransi imodzi mwalamulo, mwina yowonjezeredwa ndi zitsimikizo zina. Koma makampani a inshuwaransi amakhulupirira kuti madalaivala achichepere ali pachiwopsezo chachikulu, zomwe zimapangitsa kuti nthawi zina mitengo ikhale yokwera kwambiri. Nazi zonse zomwe muyenera kudziwa zokhudza inshuwaransi ya madalaivala achichepere!

🚘 Kodi inshuwaransi ya driver wachichepere ndi chiyani?

mawu wachinyamata woyendetsa alibe tanthauzo lenileni lalamulo mu code code. Nthawi zambiri timadziona ngati oyendetsa achichepere tikakhala mkati chilolezo chokhalitsa, ndiko kuti, patatha zaka 3 kapena 2 mutayendetsa ndi woperekeza.

Makampani a inshuwalansi amagwiritsa ntchito nthawiyi kuti agwiritse ntchito kudabwa madalaivala achinyamata. Koma ma inshuwaransi amathanso kuona dalaivala wachinyamata kukhala woyendetsa galimoto yemwe sanakhale ndi inshuwaransi kwa zaka zopitilira 3 kapena yemwe wakhala ndi laisensi kwa zaka zopitilira 3 koma sanakhalepo ndi inshuwaransi, komanso madalaivala omwe ziphaso zawo zoyendetsa zidathetsedwa.

Mtengo wowonjezera wa inshuwaransi yamagalimoto kwa woyendetsa wachinyamata ukufotokozedwa chiopsezo cha kutaya pamwamba. Makamaka, a inshuwalansi amakhulupirira kuti dalaivala wamng'ono amatha kuchita ngozi kusiyana ndi woyendetsa galimoto wodziwa zambiri.

Si ma inshuwaransi onse omwe amagwiritsa ntchito ndalama zowonjezerazi kwa woyendetsa wachinyamata, koma ena satero.

Chowonjezera ichi kwa madalaivala achichepere chikuwonjezeredwa ku inshuwaransi yanthawi zonse, zomwe zimadalira, makamaka, pagalimoto. Kuchuluka kwa ndalamazo kumasintha chaka chilichonse, pokhapokha mutachita ngozi yomwe muli nayo. Imakula motere:

• Chaka choyamba: kale 100% wonjezani;
• Chaka chachiwiri (palibe zodandaula zomwe muli ndi udindo): kale 50% wonjezani;
• Chaka chachitatu (palibe zodandaula zomwe muli ndi udindo): kale 25% wonjezani.

Madalaivala achichepere omwe akumanapo ndi kuyendetsa galimoto akuperekeza amawona kuwonjezeka uku mwa theka, momwemonso 50% Chaka choyamba 25% chachiwiri ndi 12,5% chachitatu. Dalaivala wachinyamata alinso ndi bonasi / njira ya chilango yomwe imawonjezedwa ku bonasi yowonjezera iyi.

Mwalamulo, dalaivala wachinyamata amayenera kutenga imodzi Inshuwaransi yamilanduwotchedwa udindo wapagulu... Izi zikukhudza kuwonongeka kwa katundu ndi kuvulala komwe kungachitikire munthu wina pa ngozi yochititsa ngozi.

Zitsimikizo zina kufuna... Izi ndi, mwachitsanzo, chitsimikizo cha galasi losweka, chitsimikizo cha moto ndi kuba, ngakhale inshuwalansi ku zoopsa zonse. Makamaka, amadalira galimoto yanu: motero, madalaivala ambiri achichepere ali ndi galimoto yawo yoyamba yogwiritsidwa ntchito, yomwe mtengo wake sufuna inshuwaransi yonse. Koma pa nkhani ya galimoto latsopano, ndi bwino kupereka mmalo mosakayikira.

Dalaivala wachinyamata kapena ayi, kusankha kwa inshuwaransi yanu makamaka kumadalira galimoto yanu ndi momwe mukufunira kuiteteza. Chonde dziwani kuti mtengo wa inshuwaransi umasiyananso malinga ndi galimoto: mwachitsanzo, galimoto yamphamvu kwambiri imawononga ndalama zambiri. Chifukwa chake khalani omasuka kuchita zoyerekeza ndi zolemba!

💰 Kodi inshuwaransi ya driver wachichepere imawononga ndalama zingati?

Mtengo wa inshuwaransi yamagalimoto umadalira mbiri ya dalaivala ndi galimoto yokha: chitsanzo chake, injini, mphamvu komanso chaka chotumizidwa. Kuonjezera apo, ndalamazi zimasiyananso, ndithudi, malingana ndi zitsimikizo zomwe zatengedwa.

Monga dalaivala wachinyamata, muyenera kuwonjezeranso chiwongola dzanja pamalipiro otsika, omwe angakwere mpaka mpaka 100% Chaka choyamba. Komabe, izi ndi theka lambiri ngati mutaperekezedwa. Pafupifupi, mtengo wa inshuwaransi kwa woyendetsa wachinyamata uli pafupi 1200 €.

Mtengo wa inshuwaransi wa dalaivala wachinyamata nthawi zambiri umaphatikizidwa. pakati pa 1000 ndi 1500 € ndi galimoto ndi zitsimikizo zofanana. Mtengo umasiyana pakati pa ma inshuwaransi, chifukwa chake ndikofunikira kugwiritsa ntchito auto inshuwaransi comparator kapena funsani mtengo musanalembetse kuti mulipire inshuwaransi yotsika mtengo ya achinyamata.

⏱️ Inshuwaransi ya oyendetsa achichepere: nthawi yayitali bwanji?

Ma inshuwaransi amakuonani ngati dalaivala wachinyamata Zaka 3 mutalandira layisensi yoyendetsa, yomwe ikufanana ndi nthawi yanu mayeso... Ngati mwapereka laisensi yanu mutayendetsa galimoto ndi anthu operekeza, nthawiyi ikhoza kuchepetsedwa kukhala Zaka 2 ndipo malipiro adzakhala ochepa.

Madalaivala achichepere akuphatikizapo:

• Oyendetsa galimoto omwe ali ndi chilolezo choyendetsa galimoto kwa zaka zoposa 3, koma alibe inshuwalansi;
• Madalaivala omwe sanakhalepo inshuwaransi kwa zaka zopitilira 3;
• Madalaivala omwe adalandidwa ziphaso zawo zoyendetsa.

Tsopano mukudziwa zonse za inshuwaransi ya madalaivala achichepere! Ndiwokwera mtengo kuposa inshuwaransi yamagalimoto achikhalidwe chifukwa ma inshuwaransi amakukondani kuposa momwe mumayika pachiwopsezo. Chifukwa chake, mkati mwa zaka 3, mudzayenera kulipira ndalama zowonjezera, zomwe zitha kuwirikiza kuchuluka kwa inshuwaransi yanu. Kuyendetsa ndi woperekeza nthawi zambiri kumakupatsani inshuwaransi yabwino kwambiri yoyendetsa.