ʻEhia ke kumukūʻai o CASCO no ke kaʻa a pehea e helu ʻia ai kona kumukūʻai
ʻAʻole like me OSAGO - ʻinikua kuleana koi, CASCO - he ʻano ʻinikua kaʻa manuahi o ka waiwai. Loaʻa iā ʻoe kahi kulekele CASCO ma ka lima, inā loaʻa kahi ulia pōpilikia ma muli o kou hewa, e loaʻa iā ʻoe ka uku kālā no ka hoʻoponopono ʻana i kāu kaʻa poino, ʻoiai ma lalo o OSAGO e uku ka hui ʻinikua no ka pōʻino āu i hana ai i ka ʻaoʻao i hōʻeha ʻia. oe.
ʻO nā hanana nui i hoʻopaʻa ʻia ma lalo o CASCO:
- ʻaihue kaʻa a i ʻole kona mau ʻāpana;
- pōʻino pōʻino;
- ka uku hou ʻana i nā lilo no ka hoʻihoʻi ʻana i ke olakino o ka mea hoʻokele a me nā mea kaʻa ma hope o kahi ulia;
- pōʻino ma muli o ka force majeure, hāʻule icicles, lāʻau, pōʻino i hana ʻia e nā ʻaoʻao ʻekolu ma muli o kā lākou mau hana kānāwai.
ʻO ka helu ʻana o ke kumukūʻai o kahi kulekele CASCO e pili ana i nā kumu he nui, ʻo ia ka mea nui:
- hana a hoʻohālike o ke kaʻa, makahiki o ka hana ʻana;
- wahi noho;
- makahiki, ke kāne a me ka ʻike hoʻokele;
- kumukūʻai kaʻa.
ʻOkoʻa ke kumukūʻai o ke kulekele ma nā ʻoihana ʻinikua like ʻole. ʻO ka ʻōlelo koʻikoʻi, ʻo kahi kulekele CASCO piha (ʻo ia hoʻi, ka uku no ka pōʻino ma muli o kahi pōʻino, ʻaihue a i ʻole nā pōʻino kūlohelohe) e kūʻai ʻia ma kahi o 4% o ke kumukūʻai o ke kaʻa.
E lawe kākou i kēia kūlana:
ʻO ke kaikamahine, 25-30 mau makahiki, nona ka BMW X5 2012, kūʻai aku i kahi kaʻa mai kahi mea kūʻai aku i ʻae ʻia no 3,5 miliona rubles. ʻO kahi kulekele inikua e pili ana i nā pilikia āpau e kūʻai ʻia 650-700 tausani rubles!!! Akā, aia kēia i nā hui kaulana. Inā ʻoe e hoʻāʻo, hiki iā ʻoe ke loaʻa nā helu haʻahaʻa - 200-400 tausani rubles. A no nā polokalamu i hoʻopaʻa ʻia, hiki iā ʻoe ke hōʻea i nā huina haʻahaʻa.
He aha ka mea i hoʻololi i ke kumukūʻai kiʻekiʻe: makahiki, ʻike hoʻokele liʻiliʻi, kumukūʻai kiʻekiʻe o ke kaʻa. ʻO ka hopena, hiki mākou i ka 6-15% o ke kumukūʻai o ke kaʻa.
Inā mākou e kiʻi i kahi kiʻi maoli no ka hapa nui o ka heluna kanaka, no ka laʻana, he 2013 Lada Priora, i kūʻai ʻia no 450 tausani rubles. ʻO ka ʻike hoʻokele o ka mea hoʻokele - 20 mau makahiki, makahiki - 40 mau makahiki, aia ke kaʻa i kahi kahua kaʻa kiaʻi, aia kahi ʻōnaehana alarm maʻamau. Hoʻokomo mākou i ka ʻikepili i ka calculator pūnaewele a loaʻa kahi kumukūʻai mai 80 tausani me ka loaʻa ʻole o ka franchise i 20 tausani rubles me kahi franchise o 20 tausani.
No laila, ma muli o ka ʻoihana a me nā kūlana ʻinikua, e uku ʻia ke kulekele CASCO mai 16 a 4 pakeneka o ke kumukūʻai kaʻa.
Ke hoʻouka nei…
