Inshuwaransi yamoto pamakilomita: ntchito ndi mtengo

Inshuwaransi yama njinga yamoto imayimira bajeti yayikulu pachaka. Kuti achepetse ndalamazi, oyendetsa njinga zamoto ali ndi mwayi wochepetsa zitsimikizo zawo. Komabe, ndizothekanso kulipira zochepa popanda chilolezo chotsimikizira posankha njira zina zoletsa. Iyi ndi nkhani ya njinga yamoto pamayendedwe a kilomita, yotchedwanso Pay As You Go.

Gulu la inshuwaransi limapangidwira makamaka oyendetsa njinga zamoto ndi ma scooters omwe sagwiritsa ntchito mawilo awo awiri pachaka. Zowonadi, inshuwaransi yanjinga yamoto pa kilomita imodzi ndi inshuwaransi yomwe ili ndi zopindulitsa zambiri zachuma komanso zachuma mukakwera njinga yamoto kapena scooter mwa apo ndi apo. Choletsa chokha ndikulemekeza mtunda wokwanira wapachaka.

Kodi inshuwaransi yamoto ndi chiyani kwenikweni pa kilomita? Kodi magulu osiyanasiyana ndi ati? Kodi inshuwaransi iyi ndiyabwino bwanji kuposa inshuwaransi yachikhalidwe? Munkhaniyi muphunzira zonse zomwe muyenera kudziwa za njinga yamoto pa kilogalamu ya inshuwaransi.

Kodi inshuwaransi ya kilometre ndi chiyani?

Malinga ndi lingaliro laposachedwa kwambiri la chiyambi cha Anglo-Saxon, inshuwaransi yamakilomita ndi inshuwaransi yomwe oyendetsa njinga zamoto ndi oyendetsa galimoto angalembetse ngati sagwiritsa ntchito magalimoto awo kwambiri mkati mwa chaka. Ngakhale zili zonse, inshuwaransi yamakilomita agalimoto imapangidwa kwambiri kuposa inshuwaransi ya njinga zamoto.

Tiyeni tisonkhanitse zoyambira zomwe muyenera kudziwa za njira iyi ya inshuwaransi, yomwe ikupitilizabe kutchuka munthawi yamavuto azachuma.

Tanthauzo la kilometre inshuwaransi

Amadziwikanso ndi chidule cha English "Pay as you drive", ndiko kuti, "Pay malingana ndi zomwe mumayendetsa", inshuwalansi ya njinga yamoto pa kilomita ndi ndondomeko ya inshuwalansi yomwe imapangidwira inshuwalansi. lipira kutengera mtunda woyenda mchaka kapena munthawi yonse yamapangano a inshuwaransi. Chifukwa chake, mtengowo umalumikizidwa mwachindunji ndi kuchuluka kwamakilomita okutidwa ndi njinga yamoto yanu kapena njinga yamoto, chifukwa chake mtengo wotsikirako.

Wodziwika kuti ndiwothandiza pachuma, njira iyi ya inshuwaransi makamaka imapangidwira oyendetsa njinga zamoto ndi oyendetsa njinga zamoto omwe sagwiritsa ntchito magudumu awiri nthawi zonse komanso mosalekeza.

Momwe inshuwaransi yamagalimoto imagwirira ntchito pa km

Zoletsedwa njinga zamoto ndi moped ndi 50 cm3, inshuwaransi pa kilomita imodzi imatha kuperekedwa kwa mitundu yonse ya njinga zamoto, ma scooter ndi ma ATV. Koma kodi njirayi yapadera ya inshuwaransi imagwira ntchito bwanji? Mfundo ya inshuwaransiyi ndiyosavuta.

iye imagwira ntchito chimodzimodzi ndi inshuwaransi yanthawi zonse, ndiye kuti, zimachitika molingana ndi zoopsa zomwe inshuwaransi akufuna kubisa. Chifukwa chake, monga inshuwaransi ya njinga yamoto, njinga yamoto pa kilomita imaphatikizaponso gulu lachitatu (zovuta zapagulu zokha), wapakatikati (ndi kuba komanso zodalira moto) ndi zosankha zilizonse zowopsa.

Mwachidule, iyi ndi njira, yomwe mawonekedwe ake amapezeka mwa kutsimikiza kwa mtunda wokwanira wokutidwa (ma mileage a phukusi), kapena kulipira potengera kuchuluka kwa ma kilomita omwe mwayenda (lipirani momwe mukupita).

Zotsatira zake, mgwirizano wa inshuwaransi yamoto pa km umapereka kutsatira mileage ya biker zomwe zidzayang'aniridwa ndi inshuwaransi. Chifukwa chake, wokwerayo ayenera kusamala kuti asadutse mileage yomwe akuyembekezeredwa kuti apeze mtengo wokongola.

Kodi ndizosangalatsa kutenga inshuwaransi yamoto pa km?

Ndizovuta kuyankha funsoli nthawi yomweyo mpaka mbali zonse zokhudzana nazo zitasanthulidwa mozama ndikuphunzira. Zowonadi, kungakhale kulakwitsa kunena, osaganizira zovuta zonse, kuti inshuwaransi ya njinga yamoto ndiyabwino kapena ayi. Tikukukumbutsani kuti nazi maziko a inshuwaransi yamoto kuti mukhale ndi inshuwaransi yabwino.

Inde, monga tawonetsera kale mukutanthauzira, Inshuwaransi ya mileage imalimbikitsidwa kwambiri kwa anthu omwe samakwera kwambiri njinga zamoto.. Malinga ndi akatswiri, ma bikers ndi ma scooters omwe amayenda makilomita osakwana 10.000 pachaka ndi omwe njira iyi idzakhala yabwino komanso yopindulitsa.

Mgulu la anthu lino, titha kuphatikiza anthu omwe amagwiritsa ntchito magalimoto awo awiri pamavuto am'mizinda kuti kungoyenda kuchokera kunyumba kukhala ntchito kapena kugwirira ntchito. Momwemonso, timapeza oyendetsa njinga zamoto ndi njinga zamoto omwe amakhala ndi nyumba zingapo kapena malo okhala momwe amakhalamo, kutengera nyengo, motero amayenera kusiya magalimoto awo m'nyengo yozizira milungu ingapo, ngakhale miyezi ingapo.

Chifukwa chake, inshuwaransi pa kilomita imakhumudwitsidwa kwambiri kwa iwo omwe amayenda njinga yamoto pafupifupi tsiku lililonse komanso chaka chonse. Chifukwa chake, sizingakhale bwino kuwalimbikitsa kuti azikweza njinga zamoto, ma scooter taxi ndi anthu ena omwe akuchita ntchito zantchito chifukwa chamoto zawo.

Inshuwaransi iyi pa kilomita imatha kukhala yosangalatsa ngati mukufuna kutsitsa ndalama zanu zapachaka. Zowonadi, inshuwaransi yamoto njokwera mtengo kwambiri. Pofuna kuti musagulitse galimoto pa bajeti ngati imeneyi, njira iyi ndi njira ina yosangalatsa. Izi ndizofunikira kwambiri pomwe mitengo ya inshuwaransi ikukula chaka ndi chaka kapena pambuyo pangozi potsatira chindapusa.

Mukasankha inshuwaransi yamagalimoto yomwe idagwa makilomita kudzera poyerekeza ndi inshuwaransi, mudzapeza malonda abwino pamsika kutengera zitsimikizo zofunika.

Mafomu a Inshuwaransi Yama njinga Zamoto: Lipirani Momwe Mukupitira ndikusintha Mahukusi

Ku France, ndi ochepa chabe a inshuwaransi omwe amapereka inshuwaransi yamoto pa kilomita. Chifukwa chake ma bikers alibe mwayi wosankha. Komabe, pali njira zingapo zotsimikizira njinga yamoto kapena njinga yamoto njinga yamtunduwu.

Njira ya inshuwaransi yopulumutsa ndalama mukakwera njinga yamoto yaying'ono,Inshuwaransi ya Mileage imagawidwa m'magulu awiri osiyana amaphukusi Phukusi la Pay ndi Drive palokha.

Chilichonse Chimene Muyenera Kudziwa Zokhudza Fomula Yama kilometre

Phukusi la kilomita ndi njira ya inshuwaransi ya kilomita pomwe woyendetsa njinga kapena njinga yamoto yovundikira amalonjeza panthawi yolembetsa kuti fomuyo isapitirire mtunda wina pachaka. Chifukwa chake, panthawi yolembetsa, kampani ya inshuwaransi imapereka inshuwaransi ndi kuchotsera, mtengo wake suli wosasamala.

Akakwanitsa kupitirira mileage yolonjezedwa, inshuwaransi amadziwona yekha perekani ndalama zowonjezera za € 0,30 pa kilomita... Chifukwa chake, ma bikers ndi ma scooter omwe amakonda kuthawa zonsezi ndikukwera mahatchi ambiri ayenera kupewa njira iyi ya inshuwaransi.

Chilichonse chomwe muyenera kudziwa zokhudza malipiro pamene mukupanga formula

Ponena za njira ya Pay-as-you-drive, it kulipira kilomita iliyonse yoyenda... Pachifukwa ichi, inshuwaransi ali ndi mita ya GPS yoyikika pamawilo awiri a njinga yamoto kapena njinga yamoto, yomwe imayambitsa kulembetsa mayendedwe osiyanasiyana a inshuwaransi.

Chifukwa chake, omaliza adzatumizidwa invoice kumapeto kwa chaka kapena pakutha mgwirizano womwe adasaina kuti apindule ndi inshuwaransi iyi pa kilomita. Pankhaniyi, ndikofunikira kutsindika kuti ngati kukhazikitsa kwa GPS ndiudindo wa inshuwaransi, ndiye kuti inshuwaransi ndiye amachititsa kuti ntchitoyi ichotsedwe.

Ndiye kodi mtengo wa inshuwaransi yamoto njotchipa bwanji pa kilomita?

Cholinga cha inshuwaransi ya mileage ndikupatsa oyendetsa njinga zamoto ndalama zotsika pachaka kuposa inshuwaransi wamba posinthana ndi zoletsa zazikulu. Muyenera kudziwa kuti mgwirizano wamtunduwu sukhala wopindulitsa nthawi zonse. Ndiye, ndi nthawi ziti mtengo wa inshuwaransi ya njinga yamoto pa kilomita imodzi ndi yotsika mtengo kuposa mtengo wa inshuwaransi wamba?

Pali milandu yambiri yoti ingatchulidwe mozama munkhani imodzi. Zowonadi, si makampani onse a inshuwaransi omwe ali ndi mitengo yofanana ndipo samaika mitengo yofanana kwa makasitomala awo onse. Chifukwa chake, ndikofunikira kugwiritsa ntchito kufananitsa mitengo kuti mupereke mayankho olondola komanso atsatanetsatane. Mwachitsanzo, mutha kugwiritsa ntchito kufananizira inshuwaransi ya njinga yamoto iyi.

Komabe, zitha kukumbukiridwa kuti oyendetsa njinga zamoto ndi ma scooter omwe amasaina phukusi la mileage ndipo amakhala pansi pamtunda womwe adalonjeza kuti sadzadutsa, ma bikers awa ndi ma scooter amatha ndalama kuyambira 20% mpaka 30% ya kuchuluka kwa inshuwaransi yanthawi zonse.

Momwemonso, monga tafotokozera pamwambapa, anthu omwe adasainira phukusi la Pay as You Drive ndi ndani yendetsani zosakwana 10000 XNUMX kilomita mchakaayenera kumaliza chaka ndi phindu.