Tsanangudzo yeVimbiso motokari pa wechitatu
Zvinosanganisira, zvishoma, garandi remutyairi mhosva. Chivimbiso ichi chinoita kuti zvikwanisike kugadzirisa zvakakuvadzwa kune vamwe nemotokari yake panguva yechiitiko (tsaona yemumugwagwa, moto, u2026), ingave ine chekuita nekukuvara kwemuviri kana kukuvara kwezvinhu.
Zvakare, ndiani anofukidzwa neinishuwarenzi yemotokari? Chero muridzi wemota yepavhu yakarongedzerwa kutenderera anofanira kuisirwa inishuwarenzi. Motokari iri pasi pekusungirwa kuitaVimbiso inogona kunyanya kuva imwe yezvinotevera: Mota (yakavanzika, yekushandisa kana isina rezinesi) mavhiri maviri kana matatu (mudhudhudhu kana scooter) kana quad, kunyangwe isina kutenderwa (mini-mudhudhudhu semuenzaniso)
Inishuwarenzi yechitatu inoshanda sei? Sezvinoratidzwa nezita racho, thethird party insurance inovhara chete kukuvadza kungakonzereswa nemutyairi kune u201cwechitatuu201d, vafambi vemota vanosanganisirwa. Kukuvadzwa kunoitwa nemutyairi saka kunoramba kuri mutoro wake, kana ari iye ane mhosva yechiitiko chacho.
Chii chinonzi Third Party Collision Insurance? Uyewo inonzi "kukuvadza kudhumhana ", warranty" kubonderana kwechitatu » anopedzisa zvibvumirano zveVimbiso motokari nekuvhara kubhadharwa kwekukuvara kwakakonzerwa nemotokari panguva yetsaona, pasinei nokuti mutyairi ane mhosva kana kuti kwete.
Saka, zvine ngozi here kuva nevechitatu-party car insurance? vane inishuwarenzi au wechitatu inomiririra vimbiso shoma , que unofanira zvachose tora, kutyaira nemotokari, chero zvazvingava. Iye Est vrai , que cette Vimbiso n 'Est haina kudhura zvakanyanya, asi haina kupa rubatsiro rwakanaka; iye Est saka zvine ngozi tora sechivimbiso chete.
Ndeupi musiyano uripo pakati pechitatu-bato inishuwarenzi uye yese-njodzi inishuwarenzi?
Iyo huru musiyano pakati peinishuwarenzi motokari pa wechitatu uye inishuwarenzi motokari njodzi dzose iri pamwero wekuvhara. Chokwadi, wechipiri Est chifukidziro chakawanda kupfuura chekutanga chinongoumba zvishoma zviri pamutemo.
Ko inishuwarenzi isingavhare chii? Civil mutoro: izvi qui n 'hazvisi akafukidza
Panyaya yeVimbiso mota nemudhudhudhu, ne finden Sie baratos yakafukidzwa nemhosva: kukuvadza kwaungaite iwe kana vadiwa vako; kukuvadza kunoitwa vamwe nemaune; kukanganisa kunoenderana nemabasa ako ehunyanzvi.
Nderini pazvisingachabatsiri kuve neinishuwarenzi panjodzi dzese? Concretely, zvinonzwisiswa kuti zviri nani kuitanyatsoona motokari mu njodzi dzose kusvika kumakore mashanu kana manomwe wobva wachinja kune wechitatu-bato repakati kana wechitatu-bato formula ndinoiitawo. Iyi mhinduro inoita kuti zvibvirire kutora mamwe mavimbiso akadai sekuputsika kwegirazi.
Nzira yekudzorera sei mushure mokunge mutsaona yemotokari?
Ndiyo inshurensi yemunhu ane mutoro wengozi ndiani anofanira kugadzirisa zvakakuvadzwa newe motokari. Kana kontrakiti yako ichipa iyo, inshuwarisi yako inozokwanisa kubhadhara kugadziridzwa kwako motokari kare se dzorera kune inshurensi yemunhu ane mhosvangozi kumukumbira a mari.
Sei kutora inshuwarisi yenjodzi? Zvakare zvinonzi " zvose tsaona”, formula “ njodzi dzose » inovhara huwandu hwakakura hwekukuvadza uye inovimbisa muripo mumamiriro mazhinji: tsaona ine mhosva kana kwete, wechitatu akaonekwa kana kwete, mota yakamira kana kutenderera, kuparadza, njodzi dzinongoitika dzoga, nezvimwe.
Nzira yekusarudza motokari yako inishuwarenzi mutemo?
Nzira yekusarudza zvakanaka mwanakomana Car Inishuwarenzi mune gumi maitiro?
- Mutengo we Car Inishuwarenzi . ...
- The level of coverage Car Inishuwarenzi . ...
- Disclaimers yeWaranti. …
- The Franchise ye Car Inishuwarenzi . ...
- Zvivimbiso zve Vimbiso compementary. …
- Zvideredzwa zvinopihwa. …
- Benefits pakaitika zvikwereti.
Ndeipi nguva yekumisa inishuwarenzi yakazara? Concretely, zvinonzwisisika kuti zviri nani kuisa inishuwarenzi mota mukati njodzi dzose kusvika kumakore mashanu kana manomwe uye wozoenda kune yepakati pechitatu kana yechitatu plus formula. Iyi mhinduro inoita kuti zvibvirire kutora mamwe mavimbiso akadai sekuputsika kwegirazi.
Chii chandinoita kana ndikasaita inishuwarenzi yemotokari yangu?
Zvirango zvinowanzoitika ifaindi ye3750, kumiswa rezinesi uye kutorwa kwemotokari kana mavhiri maviri. Si damit n'vari baratos yakavharwa, unogona kuita quoteVimbiso mota online.
Sei uchitora inishuwarenzi yemhosva yepamba?
Chii chiri kushandiswainishuwarenzi yezvikwereti (RC)? Nemhaka yokuti tose tingangokuvadza vamwe rimwe zuva uye kuti vepashure vanogona kutikumbira muripo nokuda kwokukuvadza kwakaitika,inishuwarenzi yezvikwereti inovhara njodzi iyi.
Unoziva sei kana uine inshuwarisi yemhosva? Chitupa che mhosva yeruzhinji kazhinji inowanikwa zvichitevera kunyoreswa kwekondirakiti yeVimbiso Multi-njodzi kumba. Ndiye inshurensi anoitumira kumutengi wake nechibvumirano chakabatana, achiziva quZvinogonekawo kuiwana chero nguva nekukumbira kuri nyore.
Ko mota inotorwa riini? Iyo "mota ye muunganidzwa » Est motokari inopfuura makore makumi matatu, iyo isingaitiEst haisati yagadzirwa uye ine hunyanzvi hunhu husina kugadziridzwa. Kufamba nemotokari muunganidzwa yemotokari yemakore makumi matatuEst kwete otomatiki kana kumanikidzirwa.
Motokari inofanira kuiswa inishuwarenzi riini?
Chero mota fanira inofanira kuve neinishuwarenzi kubva panguva iyo inogona kufambiswa, kunyangwe kana yakapakwa mugaraji. Saka kana ukatenga a motokari, uyu fanira ita shuwa kuti uchaidzosa kubva mugaraji kana kunzvimbo yekutengesa. Kusvikira iwe waitora, motokari inochengeterwa inishuwarenzi nemutengesi.
Inishuwarenzi yemhosva inomanikidzirwa here? The mhosva ndeye chisungo chekugadzirisa zvakakanganisika kune vamwe. Pane zveVimbiso kumba, inyaya yekugadzirisa kukuvadzwa kwakakonzerwa nechinhu cheimba yako: kudonha kwemvura, muti unodonha, madziro anodonha, moto, nezvimwe.
Nzira yekubhadharwa sei mushure mekuita tsaona yemumugwagwa?
Mutyairi asina kuwanikwa ane mhosva yengozi uye iyo yakafukidzwa nekukuvadzwa kwevimbiso inobatwa nemutyairi wemotokari ichave yakakwana akabhadhara neinishuwarenzi yake. Chivimbiso chekukuvara kwakatambura nemutyairi wemotokari inowanzobatanidzwa mu "njodzi dzose" chibvumirano cheinishuwarenzi yemotokari.
Inishuwarenzi inobhadhara sei kukuvara kwemuviri? L'muripo inobhadharwa nenzira yemari kana annuity. Zvingave paaccount yeanopihwa inishuwarenzi kana achiri mupenyu, kana pane yeavo vanobatsirwa, mukadzi wake uye / kana vana. Muchiitiko chekushaya simba, haipindiri pakarepo mushure mengozi. Kazhinji unofanira kumirira kusvikira mamiriro ako abatanidzwa.
Nzira yekuita sei inishuwarenzi yemotokari?
Pasinei nokuti chiziviso chakaitwa nefoni, nepositi kana kuti zvakananga kune sangano, iyo inshuwarisi inofanirwa kuremekedza nguva yakatarwa nemutemo: 2 mazuva pakubirwa kwemotokari; 5 mazuva akawanda kune mamwe marudzi ekudaro, kubva pazuva raanozviziva; 10 mazuva mushure menjodzi yemusikirwo.
Inishuwarenzi yenjodzi yakazara inosungirwa here? kutiEstchii a Vimbiso motokari njodzi dzose ? MuFrance, kutyaira mota, ndizvo inosungirwa D 'iva nechokwadi, zvishoma, mu "Civil Liability" (chinyorwa L 211-1 cheInsurance Code).
Ndeipi avhareji mari yeinishuwarenzi yemotokari yakazara?
Mari dzeinishuwarenzi yemotokari zvinoreva kubudikidza formula
Muna 2020, zvaive zvakafanira kuverenga mukati Moyenne € 528 pagore kutora a Car Inishuwarenzi kusvika kune chetatu, zvichienzaniswa ne596 € yefomula yepakati uye €715 yefomula njodzi dzose.
Nzira yekusarudza kambani yeinishuwarenzi? Pane zveinishuwarenzi, zvakanaka kuti sarudza murevereri wayo ane hanya zvakanyanya. Mumusika wakadai wemakwikwi, zvakakosha kuita chidzidzo chekuenzanisa. Nokudzivisa kumhanya-mhanya. Uye kuvimba, nepazvinogona napo, pamaitiro ekuteta.
Nzira yekusarudza inishuwarenzi yehutano?
Tichifunga nezvehuwandu hwakakosha hweimwe mari yehutano, zvinokurudzirwa kusarudza kune inishuwarenzi inopa kubhadharwa nekukurumidza. Tinokupa zano kuti udaro sarudza chibvumirano chinopa nguva yakawanda yekubhadhara ye48 maawa. Kumwe kuwirirana kunopa nguva yekumirira yemwedzi yakati wandei.
Ndezvipi zvirango zvekutyaira usina inishuwarenzi?
Dhiraivha pasina inishuwarenzi motokari Est mhosva: Mhosva inotongwa nedare redzimhosva uye kurangwa zvakanyanya nefaindi uye/kana mutongo wemujeri kwenguva isingasviki makore gumi. Iwe uri panjodzi yefaindi ye10.
Ndedzipi njodzi dzekutyaira pasina inishuwarenzi? Chinyorwa L324-2 cheHighway Code chinopa kuti kutyaira pasina inishuwarenzi ndizvo mhosva inorangwa nefaindi ye3, inoperekedzwa ne750-gore rezenisi kumiswa kana kutorwa kwemotokari.
Ndiani anobhadhara pakaitika tsaona pasina inishuwarenzi?
nyakurwadziwa d'mutyairi pasina inishuwarenzi
Mutemo weFrance wakajeka uye ndiyo FGAO (Fonds de Guarantee ye inishuwarenzi Zvinosungirwa de kukuvara) qui achabhadhara muripo de munhu akabatwa.