OkoEstYintoni i Siqinisekiso auto zonke iingozi ? EFransi, ukuqhuba imoto, kunjalo kunyanzelekile d 'qiniseka, ubuncinci, "kwi-Civil Liability" (inqaku L 211-1 leKhowudi ye-Inshurensi).
Ukongeza, yintoni umahluko phakathi kwe-inshurensi yomntu wesithathu kunye ne-inshurensi ebanzi? Eyona umahluko phakathi kwe-inshurensi imoto kwi umntu wesithathu kunye ne-inshurensi auto zonke iingozi ilele kwinqanaba lokhuselo. Ngokwenene, okwesibini Est isigqubuthelo esingaphezulu kakhulu kunesokuqala esenza kuphela ubuncinane obusemthethweni.
Kutheni uthatha i-inshorensi ebanzi? Ikwabizwa ngokuba “ kuthi iingozi”, ifomula “ zonke iingozi » ibandakanya uluhlu olubanzi kakhulu lomonakalo kwaye iqinisekisa imbuyekezo kwiimeko ezininzi: ingozi enempazamo okanye hayi, umntu wesithathu ochongiweyo okanye hayi, isithuthi esimileyo okanye esijikelezayo, ukonakalisa, iintlekele zendalo, njl.
Kutheni ukhetha i-inshurensi ebanzi? Inzuzo xa kuthelekiswa neSiqinisekiso kwiqela lesithathu okanye iqela lesithathu elongeziweyo, elikhusela kuphela umonzakalo wakho womzimba kunye nomonakalo wepropathi obangelwe kwingozi engeyiyo impazamo. THE i-inshurensi ebanzi ukubuyisela ilahleko ezininzi: iglasi ephukile, umlilo, ukonakalisa, njl.
Ngoko, kutheni uthatha i-inshurensi ebanzi? Ikwabizwa ngokuba “ kuthi iingozi”, ifomula “ zonke iingozi » ibandakanya uluhlu olubanzi kakhulu lomonakalo kwaye iqinisekisa imbuyekezo kwiimeko ezininzi: ingozi enempazamo okanye hayi, umntu wesithathu ochongiweyo okanye hayi, isithuthi esimileyo okanye esijikelezayo, ukonakalisa, iintlekele zendalo, njl.
Indlela yokukhetha ipolisi yakho ye-inshurensi yemoto?
Indlela yokukhetha kakuhle unyana I-inshurensi yemoto kwiikhrayitheriya ezili-10?
- Ixabiso le I-inshurensi yemoto . ...
- Inqanaba lokhuselo I-inshurensi yemoto . ...
- Uzinyanzelo lweziQinisekiso. …
- I-franchise ye I-inshurensi yemoto . ...
- Iziqinisekiso ze Siqinisekiso ehambelanayo. …
- Izaphulelo ezinikezelwayo. …
- Izibonelelo xa kukho amabango.
Ingaba i-inshurensi ayikhuphi malini? Uxanduva loluntu: oku qui hayi 'ayikho egqunyiweyo
Kwimeko yeSiqinisekiso imoto kunye nesithuthuthu, ne sont pas igutyungelwe lityala: umonakalo onokuwenza kuwe okanye kubantu obathandayo; umonakalo owenziwe ngabom kwabanye; umonakalo ezinxulumene nemisebenzi yakho yobungcali.
Ithini i-avareji yexabiso le-inshurensi yemoto ebanzi? Iindleko zei-inshurensi yemoto ithetha ngefomula
Ngo-2020, kuye kwayimfuneko ukubala moyenne €528 ngonyaka ukuthatha a I-inshurensi yemoto kwiqela lesithathu, xa kuthelekiswa ne-596 ye-715 yefomula ephakathi kunye ne-XNUMX ye-euro yefomula zonke iingozi.
Kutheni uthatha i-inshurensi yemoto?
Umthetho we-27 kaFebruwari 1958 udale unyanzeliso olusemthethweni lokuqinisekisa zonke iimoto. Ubuncinci bewaranti igubungela wonke umonakalo onokuthi uwenze kwivili lokuqhuba. Ngoko ke ikhusela amaqela esithathu. Kwaye, ngokubuyekeza amaxhoba egameni lakho, ikwakhusela nawe.
Indlela yokukhetha inkampani ye-inshurensi? Ngemimiselo yokubaI-inshorensi, ilungile ukuba khetha umthetheli wakhe ingqalelo ekhethekileyo. Kwimarike ekhuphisanayo, kubalulekile ukwenza uphononongo oluthelekisayo. Ngokuphepha ukungxama. Nokuthembela, kangangoko kunokwenzeka, ekubizelweni kwenkqubo yeethenda.
Indlela yokukhetha i-inshurensi yezempilo?
Ngenxa yexabiso elibalulekileyo leendleko zempilo ezithile, kuyacetyiswa ukuba ukhethe kwi-inshurensi enikezela ngembuyekezo ngokukhawuleza. Sikucebisa ukuba khetha Ikhontrakthi enikezela ngexesha lembuyekezo yeeyure ezingama-48 ubuninzi. Ezinye iinkampani zeinshorensi ezimanyeneyo zibonelela ngexesha lokulinda leenyanga ezininzi.
Ndingenza ntoni ukuba andiyi-inshurensi isithuthi sam? Ezona zohlwayo zixhaphakileyo sisohlwayo se-€ 3750, ukunqunyanyiswa kwelayisensi kunye nokuhluthwa kwemoto okanye amavili amabini. Si ukukulungela ukuphendu- n'zi pas igutyungelwe, unokwenza isicatshulwaSiqinisekiso imoto kwi-intanethi.
Kutheni uthatha i-inshurensi yetyala lasekhaya?
Yintoni ukusetyenziswaI-inshurensi yetyala (RC)? Ngenxa yokuba sonke sisenokwenzakalisa abanye ngenye imini yaye abo bamva banokusicela imbuyekezo ngomonakalo owenziweyo,I-inshurensi yetyala igubungela lo mngcipheko.
Wazi njani ukuba unayo i-inshurensi yetyala?
Isiqinisekiso se uxanduva loluntu ifumaneka ngokubanzi ngokulandela ubhaliso lwekhontrakthi yeSiqinisekiso ikhaya elinomngcipheko omninzi. Yi-inshurensi eyithumela kumxhasi wakhe kunye nekhontrakthi ehambelana nayo, esazi quKwakhona kunokwenzeka ukuyifumana nanini na ngesicelo esilula.
Yeyiphi eyona inshorensi inexabiso eliphantsi emarikeni? I-Eurofil kunye ne-Bonus ye-inshurensi ye-50 phezulu kwinqanaba
Kule nqanaba I-inshorensi auto kubo ixabiso elingaphantsi(1), I-Eurofil kunye ne-Bonus 50 ithatha iindawo ezimbini zokuqala, ngokucacileyo phambi kwabanye abakhuseli. Ugcino olungaphezulu kwe-euro ezingama-70 ngexabiso eliphakathi leprofayile evavanyiweyo.
Ibiza malini i-inshurensi yemoto? Intoni Ngaba ixabiso indlela a I-inshurensi yemoto ? Ngokomyinge, kuthatha i-450 € / ngonyaka kwi- Siqinisekiso kwiqela lesithathu, € 600/ngonyaka kwifomula ephakathi kwaye malunga ne-800 €/ngonyaka kwi- I-inshurensi yemoto zonke iingozi.
Ithini i-avareji yexabiso le-inshurensi yasekhaya?
Lithini ixabiso eliqhelekileyo le-inshurensi yasekhaya ? Ngokutsho kwe-barometer indawo yokuhlala LeLynx.fr, i ixabiso avareji inshorensi ekhaya en IFransi kunjalo I-160 yee-euro ngo-2020, xa kuthelekiswa ne-175 yee-euro ngo-2019. ngo ukuthengisa, iprimiyamu d'I-Inshurensi yeKhaya ixabisa i-131 € galela indawo yokuhlala kunye ne-229 € galela indlu.
Kutheni i-inshurensi inyanzelekile? Urhulumente uyaqinisekisa i-inshurensi enyanzelekileyo ingalathisi okanye ilawule ubomi babemi kodwa ukuyikhusela. Injongo kukufumana okwaneleyo ukubuyisela umonakalo onokuthi ubangelwe kumntu wesithathu. Ukuba unoxanduva lwengozi kwaye kufuneka ubuyekeze ixhoba...
Yintoni i-inshurensi enyanzelekileyo?
Ikhowudi ye I-inshorensi inikeza ukuba esisinyanzelo : iSiqinisekiso izithuthi zomhlaba ezineemoto kumngcipheko wendlela. mnaSiqinisekiso uxanduva lwabazingeli. mnaSiqinisekiso iminyaka elishumi ityala loluntu kunyeSiqinisekiso umonakalo-umsebenzi wokwakha imisebenzi.
Yintoni ukukhutshwa kwewaranti? L'disclaimer yewaranti Igatya elibonelela ngokungabandakanywa kwesiganeko esinye okanye ngaphezulu. Ivumela umenzi we-inshurensi ukuba angawafaki amabango athile: Amabango angavunyelwa yimigaqo (umzekelo izohlwayo)
Kutheni ukhetha inkampani yeinshurensi?
Cette Siqinisekiso yenza kube nokwenzeka ukujongana nemingcipheko engenakho ukuthwalwa kukuhamba kwemaliishishini kwaye nto leyo enokukhokelela ekubhangameni kweishishini. Ngokubhalisela a Siqinisekiso, une ishishini inokukhuselwa: kumonakalo onokuthi ubandezeleke; Umonakalo onokuwenza kubantu besithathu.
Yeyiphi i-inshurensi yokubambisana eyona inika umdla? Ngo-2021, uVyv (Harmony Ukudibana, MGEN) ihlala iphezulu kuluhlu lwe mutuals ezithandwayo French. Ilandelwa nguMalakoff Humanis kunye no-Axa, aba bakhuseli be-inshurensi bazahlula ngomgangatho weenkonzo zabo kunye neziqinisekiso kunye nesantya sembuyekezo yabo.
Yeyiphi eyona inshorensi ilungele abantu abadala?
Ngokutsho kwethu, i-10 imibutho engcono kakhulu mutual zempilo aphezulu oku kulandelayo:
- Macif.
- Generali.
- I-NOC.
- Ubomi beSwitzerland.
- I-Aviva.
- MMA
- UAllianz.
- Matmut.
Wazi njani ukuba ufakwe kwi-inshurensi efanelekileyo? Xa isithuthi uqinisekisiwe eFransi, umniniyo ufumana isincamathelisi esiluhlaza kwi-inshurensi yakhe qu'kufuneka incanyathiselwe ngqo ngaphakathi kwi-windshield yayo: it'Est isatifikethi seSiqinisekiso. Esi sincamatheliso sichaza ixesha isithuthi eso uqinisekisiwe kunye nepleyiti yokubhalisa isithuthi.