Inshuwaransi ya Turo: kuwononga kapena kuwonjezera kofunikira?

Ngakhale kusintha gudumu pagalimoto patokha si vuto kwa ife, nthawi zina timakonda kusagwada ndi galimoto, mwachitsanzo, mu chipale chofewa kapena mvula, komanso chovala chokongola. Izi zitha kupewedwa mosavuta polipira ma PLN ochepa ngati premium ya OC. Dziwani kuti inshuwaransi ya tayala imawoneka bwanji komanso ngati kuli koyenera kugula limodzi ndi lamulo lovomerezeka.

Inshuwaransi ya matayala - imagwira ntchito bwanji?

Vuto lapadera ndi tayala lophwanyidwa likhoza kuthetsedwa mothandizidwa ndi wothandizira. Nthawi zambiri, monga gawo la inshuwaransi yowonjezera iyi, dalaivala amatha kudalira kusintha kwa gudumu pamalopo, kuthamangitsidwa kapena kuthandizidwa kuti apeze cholumikizira tayala. Komabe, mtengo wokonza kapena kugula matayala atsopano amaperekedwa ndi mwini galimotoyo. Chifukwa chake, inshuwaransi yamatayala imawoneka muzopereka zamakampani a inshuwaransi ngati chinthu chosiyana, chifukwa palibenso Inshuwaransi ya OS/AS (https://punkta.pl/ubezpieczenie-oc-ac/kalkulator-oc-ac), komanso chithandizo chotchulidwachi sichimapereka chipukuta misozi.

Pankhani ya inshuwaransi ya matayala, kampani ya inshuwaransi imalipira ndalama zokokera galimoto, kupita kumalo ochitira msonkhano komanso mwina kusintha tayala. Inshuwaransi yowonjezera iyi nthawi zambiri imangotengera ma zloty ochepa omwe amawonjezedwa ku ngongole kapena ndondomeko yothandizira ndipo imakupatsani mwayi wodziteteza kuti musawononge ma zloty mazana angapo pamitengo yatsopano ya tayala ndi kukonza. Pogwiritsa ntchito zida monga injini yofananira ya inshuwaransi, mutha kupeza ngakhale mabizinesi omwe ali ndi inshuwaransi ya matayala ophatikizidwa pamtengo wa OC.

Zomwe muyenera kuyang'ana posankha inshuwaransi yamagalimoto?

Zoonadi, mawu oteteza matayala m'galimoto ya inshuwalansi sali ofanana nthawi zonse. Makampani a inshuwaransi nthawi zambiri amaika ziletso za madera (makampani ambiri a inshuwaransi amapereka chitetezo ku Poland kokha) komanso kuletsa kwa magawo. Mu General Conditions of Contract (GTC), muyenera kuyang'ana malire amalipiro avuto la tayala kapena kuchuluka kwa zochitika zomwe inshuwaransi imaphimba.

Ndi bwinonso kulabadira zambiri monga mtunda wautali womwe galimoto yathu idzakokedwe ndi inshuwaransi ya matayala. Palinso zosiyana. Mwachitsanzo, imodzi mwa izo ndi mmene tayala laboola chifukwa cha kugunda kwa galimoto ina. Ndiye makampani ena a inshuwaransi sadzazindikira kuwonongeka.

Komabe, chifukwa chotsika mtengo, inshuwaransi yamatayala ndiyowonjezera yoyenera kusankha. Chifukwa chake, mutha kupewa mitsempha ndikuwononga nthawi kuti musinthe gudumu nokha.