Ma hea ʻoi aku ka maikaʻi o ka mālama ʻana i kahi kaʻa no CASCO a me OSAGO

I kēia lā, nui nā hui i ka mākeke lawelawe ʻinikua e hāʻawi i nā kūlana like ʻole no ka hōʻoia ʻana i kāu kaʻa ma lalo o nā papahana like ʻole. He mea paʻakikī loa ka hoʻoholo ʻana i nā kūlana maikaʻi loa, a ʻoi aku ka paʻakikī o ke koho ʻana i ka ʻoihana kūpono loa iā ʻoe.

Inā mākou e kamaʻilio e pili ana i ka loaʻa ʻana o kahi kulekele OSAGO, a laila kokoke i nā mea hoʻolako āpau e hāʻawi i nā lawelawe like a ʻoi aʻe paha, a ua paʻa paʻa ke kumukūʻai o ka ʻinikua ponoʻī a pili i nā coefficients like ʻole. ʻOi aku ka paʻakikī e koho i kahi hui no ka hoʻopaʻa inoa ʻana o "CASCO". Hiki iā ʻoe ke aʻo wale i nā mea nona nā kaʻa i nā mea e hoʻolohe ai a, ma muli o kēia, koho i kahi mea hoʻolako.

No laila, e heluhelu ana i nā ʻōlelo o ka ʻaelike, e wehewehe i nā kuleana a ka ʻoihana e hana ai:

• i loko o ka manawa hea ka hoʻoholo no ka uku ʻana i ka uku;
• inā paha e hōʻea nā luna i kahi o kahi ulia;
• inā paha e loaʻa iā ʻoe nā uku inā loaʻa iā ʻoe kahi pōʻino liʻiliʻi - he kukui poʻo a i ʻole ka pale makani hope;
• E kōkua anei nā ʻelele o ka hui iā ʻoe i ka hōʻiliʻili ʻana i nā palapala āpau i ka mākaʻi kaʻa;
• pehea ka hoʻopaʻapaʻa ʻana.

Ma keʻano o ka wikiwiki o ka hoʻoholoʻana i ka ukuʻana i ka uku,ʻo LLC IC Zurich.Retail ke alakaʻi, i ka hihia o kaʻaihue e hanaʻia ka hoʻoholo i loko o 12 mau lā, pōʻino ma muli o kahi pōʻino - 7 lā,ʻaʻole ka hui. Hāʻawi wale i nā lawelawe o nā mea loiloi pōʻino, akā ʻo kāna mau lako ponoʻī no ka lawe ʻana a me ke kaʻa.

ʻO kahi mea nui kaa makahiki hoemi. Ke emi nei ka waiwai ma muli o ka makahiki: 20% - ka makahiki mua, 15% - ka lua o ka makahiki a me ke kolu. ʻO ka haʻahaʻa o ka depreciation i ʻōlelo ʻia i loko o ka ʻaelike, ʻoi aku ka nui o ke kālā āu e loaʻa ai, no ka laʻana, inā ʻaihue ʻia kahi kaʻa he 15 tausani USD mai iā ʻoe, a laila inā ʻaihue ʻia i hoʻokahi makahiki, e loaʻa iā ʻoe ma lalo o ke kulekele - 15 tausani - (15 tausani / 100 * 20) = 12 tausani c.u.

Ma kahi kaʻawale, pono e hoʻomaopopo he nui nā lawelawe i hāʻawi ʻia no kekahi ʻano kaʻa wale nō, no ka laʻana, nā kaʻa haole ʻaʻole i ʻoi aku ma mua o 2 mau makahiki.

ʻO ke kulekele CASCO pono'ī e kūʻai ma kahi o 10% o ke kumukūʻai o ke kaʻa. ʻAʻole nui nā mea kaʻa i loaʻa kēlā ʻano kālā. Hiki iā ʻoe ke koho i nā hui ʻinikua hiki iā ʻoe ke hāʻawi iā ʻoe e uku i ke kumukūʻai o "CASCO" i nā uku no kekahi mau uku. Hiki iā ʻoe ke hoʻemi i ke kumukūʻai o ke kulekele inā koho ʻoe i kekahi mau pilikia āu e makemake ai e hōʻoia - ʻaihue wale nō a i ʻole pōʻino wale nō mai kahi pōʻino.

Mai kā mākou ʻike ponoʻī, hiki iā mākou ke ʻōlelo aku i nā ʻoihana penei:

• "Zurich.Retail";
• Rosgosstrakh;
• Holomua-Garant;
• "MSK-Standard";
• "Ingosstrakh"
• "ROSNO".

Akā ʻaʻole pono ʻoe e noʻonoʻo pono i kēia mau ʻoihana, no ka mea inā makemake ʻoe i nā kūlana ʻinikua kūikawā, a laila hiki iā ʻoe ke loaʻa nā makana nui mai nā mea hoʻolako ʻē aʻe.

Ke hoʻouka nei…