Ulawulo lwe imali eveliswe imbuyekezo yenzelwe iinkampani zeI-inshorensi ukuze kuqinisekiswe izibhengezo kunye nenjongo yomntu ofakwe kwi-inshorensi efuna imbuyekezo. Ukulandela ibango, lowo ufakwe kwi-inshorensi unokuchaza ukunyamalala kwezinto ezixabisekileyo, ukuze abuyekezweSiqinisekiso.
Ukongeza, isibhengezo sam sobuxoki singafunyanwa njani ngumkhuseli? A ubuxoki bunokuthi isiphumo sokuqala ngenxa yokungakhathali okanye ukungakhathali. Xa ukholo oluhle lubonakaliswa, ii-inshurensi ibonisa ukuqonda ngokubanzi: Ukuba lutshintsho oluncinci lwekhontrakthi, ii-inshurensi inako cebisa ukugcina ikhontrakthi ye-inshurensi yemali-mboleko ekhoyo.
Indlela yokubuyisela i-inshurensi ngaphandle kwe-invoyisi? Sondela kwi-inshurensi yekhaya lakho kwaye ubathumelele olu lwazi: -Isibhengezo sebango esineenkcukacha. -Isazisi somntu ojongene nomonakalo: Igama lakhe, idilesi yakhe kunye nalo lonke ulwazi olunxulumene naye Siqinisekiso (igama lenkampani, inombolo yekhontrakthi, idilesi ye-arhente).
Zeziphi ezona nkohliso zixhaphakileyo ngemoto? Nazi iindlela zobuchule ze ubuqhophololo obuninzi eqhelekileyo:
- "Zonke iingozi zamahlwempu". …
- “Ukuthengiswa kwakhona kwi-inshurensi”. …
- "Inqwelomoya yangaphandle". …
- Ukuhamba kwesithuthi ukwenza ukuba kubonakale ngathi kubusela kwaye kukhathalelwe iziqulatho, kulandela "ubusela benqwelwana".
Ke, yeyiphi imingcipheko eyenziwa ngumthengi owenza isibhengezo sobuxoki? Usengozini yokuya kuthi ga kwi-375 yee-euro ukuya kuthi ga kwiminyaka emi-000 entolongweni. Yonke ikhontrakthi ye-inshorensi icinga nge isibhengezo sobuxoki emva kwentlekele kunye ngokuchanekileyo que ibandakanya "nakuphi na ukubaxa ngobuqhophololo" kuya kubethelela lowo uchaphazelekayo kwi-inshorensi ekungahlawuleni ngayo wonke umonakalo ochaphazelekayo.
Iyintoni ingozi xa kukho isibhengezo se-inshorensi yobuxoki?
Usengozini yokuya kuthi ga kwi-375 yee-euro ukuya kuthi ga kwiminyaka emi-000 entolongweni. Nasiphi na isivumelwano seSiqinisekiso qwalasela i isibhengezo sobuxoki emva kwelahleko kwaye ichaza ukuba "nakuphi na ukubaxwa kobuqhophololo" kuya kubangela ukuba umntu ofakwe kwi-inshorensi echaphazelekayo angabuyiswa ngawo wonke umonakalo ochaphazelekayo.
Libuyiselwa njani ibango? Ngokubanzi, imihla ebekiweyo buyisela imali ziphakathi kweentsuku ezingama-30 nama-60. Ewe kunjalo, ziyahluka ngokuxhomekeka kwi- embi : Mhlawumbi ku embi into ebizwa ngokuba "yangoku" (umonakalo wamanzi, umlilo wendlu, ukuphuka kweglasi, njl.): uya kufumana imbuyekezo yakho kwiintsuku ezingama-30 zesibhengezo sakho.
Indlela yokubuyiselwa nge-inshurensi? Ukucela a buyisela imali yeminikelo yakhoSiqinisekiso okanye imbuyekezo, nokuba siyintoni na isizathu, kufuneka uthumele ileta ebhalisiweyo evuma ukufunyanwa kwerisithi kwinkampani yakho yeinshurensi.Siqinisekiso. Kule leta, chaza izizathu zokuyekiswa kwakho kunye nesicelo sakho buyisela imali.
Indlela yokubuyisela imbuyekezo xa kuqhekeziwe?
Ukubuyiselwa imali i-inshurensi emva kokuqhekezwa
- nokuba lilungu legcisa le-inshurensi yomnatha wakho se iindleko zokulungisa;
- nokuba yimbuyekezo yenziwe ngetshekhi ngohlobo lwe-invoyisi;
- nokuba yi-inshurensi se iindleko zokulungiswa ngokutshintshiselana ngemali ebekwe ngokwesivumelwano kunye nomrhwebi.
Uyenza njani imoto yakho inyamalale? Iinqwelo-mafutha ziphathwa ngabaphuli, amaziko e-ELV, iinkampani zokudiliza kunye ne-shredders. Ezi ngcali zokudilizwa kweemoto zicela umntu ofakwe kwi-inshurensi ukuba abonelele ngamaxwebhu amaninzi olawulo ngaphambi kokuba i-wrecker isuswe.
Indlela yokwenza isithuthi sinyamalale?
Qhagamshelana ngokulula nengcali, umzekelo i-wrecker okanye iziko le-ELV. Kwakhona kunokwenzeka ukuba igaraji ifumana i isithuthi, ukuba inokulungiswa ngokusemthethweni. Abanye ababhubhisi banikezela ngokususa simahla kwe isithuthi, esebenza kakhulu xa ingaqengqeleki.
Zithini iziphumo zokuxela kakubi ungacinganga? Pha isiphumo sokungamelwa kakuhle ngabom ukuba lilize kwekhontrakthi, ukwenzela ukuba lowo ufakwe kwi-inshorensi angabanga nayiphi na imbuyekezo.
Yintoni i-invoyisi yomgunyathi?
Uxwebhu lobuxoki olukhutshiweyo luya kugubungela ukuhanjiswa kwangempela kweempahla okanye unikezelo lweenkonzo lokwenyani. I imali esekwe ngumthengisi wokwenyani zenziwa kumagama obuxoki, amanga iidilesi okanye izixa ezingahambelaniyo nezo ziziswe ngokwenene.
Umntu ofakwe kwi-inshurensi unokusiphelisa nini isivumelwano sakhe?
Uthini umthetho: inqaku L 113-12 leKhowudi ye-Inshurensi
"I 'qinisekisiwe unelungelo loku phelisa le isivumelwano ekupheleni kwethuba lonyaka omnye, ngokuthumela ileta ebhalisiweyo kumkhuseli ubuncinane kwiinyanga ezimbini phambi komhla omiselweyo. […] Ilungelo le phelisa le isivumelwano minyaka le kufuneka ikhankanywe kumgaqo-nkqubo ngamnye.
Ziziphi iziphumo zesibhengezo sebango esingachanekanga? Ukuba ukufunyanwa kobuxoki mazwi yenziwe ngaphambili embi, ikhontrakthi iyacinywa kwaye ipremiyamu ehlawulweyo isala kwi-inshurensi. THE iziphumo zi kakhulu ukuba bubuxoki mazwi ifunyenwe emva kwe-a embi : oku akuyi kuhlawulwa nje ngumkhuseli.
Ungayibuyisela njani i-inshurensi yemoto yakho? amagqabantshintshi fumana buyisela imali kusuka i-inshurensi yemoto yakhe ? Ukuze ube nembuyekezo emva kwelahleko imoto, kufuneka ubhengeze ingozi emapoliseni kwaye ngokukhawuleza kwi-inshurensi yakho. Iya kuthi ke ikunike isixa senkxaso.
Indlela yokubuyisela umonakalo wamanzi?
Ngokuqhelekileyo umnxeba olula wanele, kodwa ukuba uqaphele, ukukulungela ukuphendu- Ungathumela neleta ngerejista evuma ukuba uyifumene. wena Emva koko uya kufumana ifomu oza kuyigcwalisa. wena kufuneka ichaze i umonakalo wamanzi : iphuma phi imvula, amagqabantshintshi yi-ce kunokwenzeka, njl.
Yeyiphi iakhawunti yembuyekezo yebango? Inkampani elixhoba le embi (ubusela, ingozi, intshabalalo, njl.njl.) isoloko ihlawulwa yi-inshurensi yayo. i buyisela imali i-inshurensi ibalwe kuyo compte 79 “ugqithiso lomthwalo”.
Indlela yokuphendula ngembuyekezo ye-inshurensi?
Le buyisela imali de l 'Siqinisekiso ibalwa kwi compte 79 “ugqithiso lomthwalo”. I-deductible ayize irekhodwe ngokuthe ngqo kwi-a compte imithwalo (iklasi 6). Okona kulungileyo, kubonakala kwiiakhawunti ngokwahlukileyo ngexesha lokuhlaliswa kwayo.
Yintoni omawuyenze emva kokuqhekezwa?
- Okubalulekileyo.
- En yeTyala de Ukugqekeza , shiya indawo yobusela njengoko injalo.
- Enye yokuqala izinyathelo : Ukuchasa iindlela zokuhlawula ezibiweyo.
- Dwelisa izinto ezibiweyo, faka isikhalazo, fowunela i-inshurensi yakho.
- Khusela ikhaya lakho ukuze ungabi lixhoba Ukugqekeza .
Kwenziwa njani utyelelo lwengcali emva kokuqhekezwa?
Kwenziwa njani utyelelo lwengcali emva kokuqhekezwa? ? L 'ingcali uza kubona Ukugqekeza kwaye inomsebenzi wokuvavanya umonakalo owenziweyo. Ukulungisa sa yiza, musa ukulahla nantoni na, musa ukuqoqosha okanye uqalise ukulungisa.
Uyifumana njani imbuyekezo yento ebiweyo? Ukwenzela i izinto ezibiweyo, ichane kangangoko kunokwenzeka, ibonise ngokucacileyo imihla nezixa-mali ezithengiweyo uze uqhoboshele bonke ubungqina obubhaliweyo obunokuqinisekisa la manani. La maxwebhu axhasayo axhasa isicelo sakho kwaye asetyenziselwa ukufumana a buyisela imali qui se isondele kangangoko kwixabiso lokwenyani leinto ebiweyo.