Incazelo yeisiqinisekiso imoto ku ama-third party
Kubandakanya, okungenani, isiqinisekiso sesibopho sezomthetho somshayeli. Lesi siqinisekiso senza kube nokwenzeka ukulungisa umonakalo odalwe kwabanye imoto yakhe ngesikhathi somcimbi (ingozi yomgwaqo, umlilo, u-u2026), kungakhathaliseki ukuthi uphathelene nokulimala komzimba noma ukulimala kwezinto ezibonakalayo.
Futhi, ubani ombozwe umshwalense wezimoto? Noma yimuphi umnikazi wemoto yomhlabathi okuhloswe ukuthi ihanjiswe kufanele ibe ngumshwalense wayo. Imoto engaphansi kwesibopho sayoisiqinisekiso kungaba ngokukhethekile okukodwa kwalokhu okulandelayo: Imoto (eyangasese, esetshenziswayo noma engenalayisense) amasondo ama-2 noma ama-3 (isithuthuthu noma isikuta) noma ama-quad, ngisho nokungagunyaziwe (isithuthuthu esincane njengesibonelo)
Usebenza kanjani umshwalense wenkampani yangaphandle? Njengoba igama layo liphakamisa, i-umshwalense wesithathu ivala kuphela umonakalo umshayeli angawenza ku-u201cama-third partyu201d, abagibeli bemoto kanjalo bayafakwa. Ngakho-ke umonakalo odalwe umshayeli uhlala ewumthwalo wakhe, uma kunguyena onecala ngalesi sigameko.
Iyini I-Third Party Collision Insurance? Futhi kubizwa ngokuthi "umonakalo ukushayisana ", iwaranti" ukushayisana kwesithathu » uqeda izinkontileka zeisiqinisekiso imoto ngokuvala imbuyiselo yomonakalo odalwe emotweni ngesikhathi sengozi, kungakhathaliseki ukuthi umshayeli unephutha noma cha.
Ngakho-ke, ingabe kuyingozi ukuba nomshwalense wemoto yomuntu wesithathu? ube nomshwalense au ama-third party imele isiqinisekiso esincane lokho kufanele nakanjani ukuthatha, ukushayela ngemoto, noma ngabe kuyini. Yena kuyinto vrai lokho cette isiqinisekiso n 'kuyinto ayibizi kakhulu, kepha ayinikezi ukwesekwa okuhle; yena kuyinto ngakho-ke kuyingozi ukuthatha njengesiqinisekiso kuphela.
Uyini umehluko phakathi komshwalense wezinkampani zangaphandle kanye nomshwalense oyingcuphe yonke?
Okuyinhloko umehluko phakathi komshwalense imoto ku umuntu wesithathu kanye nomshwalense imoto zonke izingozi ilele ezingeni lokuhlanganisa. Ngempela, okwesibili kuyinto ukumboza okukhulu kakhulu kunokuqala okwakha ubuncane obusemthethweni kuphela.
Yini lo mshwalense ongayikhavi? Isibopho somphakathi: lokhu qui n 'akunjalo ehlanganiswa
Endabeni yeisiqinisekiso imoto nesithuthuthu, ne kukhona pas embozwe yicala: umonakalo ongase uwenze kuwe noma kobathandayo; umonakalo owenziwe ngamabomu kwabanye; umonakalo ohlobene nemisebenzi yakho yobungcweti.
Kunini lapho kungasasizi khona ukufakwa umshwalense kuzo zonke izingozi? Ngokuqondile, kuqondwa ukuthi kungconoukuqinisekisa imoto phakathi zonke izingozi kufika eminyakeni emi-5 noma engu-7 bese ushintshela kufomula yenkampani yangaphandle emaphakathi noma yenkampani yangaphandle more. Lesi sixazululo senza kube nokwenzeka ukuthatha iziqinisekiso ezengeziwe njengokuphuka kwengilazi.
Ungayithola kanjani imbuyiselo ngemuva kwengozi yemoto?
Ingumshwalense womuntu onesibopho sokuingozi okufanele alungise umonakalo owenziwe nguwe imoto. Uma inkontileka yakho ikuhlinzeka, umshwalense wakho uzokwazi ukukhokhela ukulungiswa kwempahla yakho imoto ngaphambi se imbuyiselo kumshwalense womuntu obhekeleleingozi ukumcela a nokubuyisela.
Kungani kufanele uthathe umshwalense wezingozi zonke? Futhi kubizwa ngokuthi " bonke izingozi”, ifomula ethi “ zonke izingozi » ihlanganisa inhlobo ebanzi kakhulu yomonakalo futhi iqinisekisa isinxephezelo ezimweni eziningi: ingozi ngephutha noma cha, inkampani yangaphandle ehlonziwe noma cha, imoto emile noma ejikelezayo, ukucekelwa phansi kwempahla, izinhlekelele zemvelo, njll.
Ungawukhetha kanjani umshwalense wakho wemoto?
Indlela yokukhetha kahle wakhe Umshuwalense Wezimoto ngemibandela eyi-10?
- Intengo ye Umshuwalense Wezimoto . ...
- Izinga lokuhlanganisa Umshuwalense Wezimoto . ...
- Ukuzihlangula Kweziqinisekiso. …
- I-franchise ye Umshuwalense Wezimoto . ...
- Iziqinisekiso ze isiqinisekiso okuhambisanayo. …
- Izaphulelo ezinikezwayo. …
- Izinzuzo uma kwenzeka izicelo.
Nini ukumisa umshwalense ophelele? Ngokuqondile, kuyaqondakala ukuthi kungcono ukufaka umshwalense wemoto zonke izingozi kufika eminyakeni emi-5 noma engu-7 bese udlulela efomini emaphakathi yesithathu noma yesithathu. Lesi sixazululo senza kube nokwenzeka ukuthatha iziqinisekiso ezengeziwe njengokuphuka kwengilazi.
Ngenzenjani uma ngingayifaki umshwalense wemoto yami?
Izijeziso ezivame kakhulu inhlawulo engu-€3750, ukumiswa kwelayisensi kanye nokuthathwa kwemoto noma amasondo amabili. Si vous n'zi pas ehlanganisiwe, ungenza isilinganisoisiqinisekiso imoto ku-inthanethi.
Kungani kufanele uthathe umshwalense wesikweletu sasekhaya?
Yini ukusetshenziswaUmshuwalense wesikweletu (RC)? Ngoba sonke cishe siyolimaza abanye ngolunye usuku nokuthi laba bamuva bangasicela isinxephezelo ngomonakalo odalekile,Umshuwalense wesikweletu ihlanganisa lobu bungozi.
Wazi kanjani uma unomshwalense wesikweletu? Isitifiketi se isibopho somphakathi ngokuvamile itholakala ngokulandela ukubhaliswa kwenkontileka yeisiqinisekiso ikhaya elinezingozi eziningi. Umshwalense owuthumela ekhasimendeni lakhe nenkontileka ehambisana nawo, azi quKungenzeka futhi ukuyithola nganoma yisiphi isikhathi ngesicelo esilula.
Imoto iqoqwa nini? "Imoto ye- iqoqo » kuyinto imoto engaphezu kweminyaka engama-30 ubudala, engasebenzikuyinto engasakhiqizwa futhi izici zayo zobuchwepheshe zingashintshwanga. Ukuhamba ngemoto iqoqo yemoto eneminyaka engu-30 ubudala nokuyinto akukho okuzenzakalelayo noma okuphoqelekile.
Imoto kufanele ifakwe nini umshwalense?
Noma iyiphi imoto kumele kumele ifakwe kumshuwalense kusukela ngesikhathi ingashayelwa, ngisho nalapho ipakwe egaraji. Ngakho uma uthenga a imoto, Lena kumele ifakwe kumshuwalense ngisho ukuyibuyisela egaraji noma endaweni yokuthengisa. Kuze kube yilapho uyithatha, imoto ifakwe umshwalense wumdayisi.
Ingabe umshwalense oyimpoqo wesibopho sezomthetho? I isibopho si isibopho sokulungisa umonakalo odalwe kwabanye. Mayelanaisiqinisekiso ekhaya, kungumbuzo wokulungisa umonakalo odalwe yisici sendlu yakho: ukuvuza kwamanzi, isihlahla esiwayo, udonga oluwayo, umlilo, njll.
Unganxeshezelwa kanjani ngemva kwengozi yomgwaqo?
Umshayeli ongatholakali enecalaingozi futhi okukhaviwe umonakalo wesiqinisekiso owenziwe umshayeli wemoto kuyoba ngokuphelele kunxeshezelwa ngomshwalense wakhe. Ikhava yomonakalo owenziwe umshayeli wemoto ngokuvamile ifakwa kwinkontileka yomshwalense wemoto “yonke ubungozi”.
Umshwalense ukunxephezela kanjani ukulimala komzimba? L'isinxephezelo ikhokhwa ngendlela yemali noma impesheni. Kungaba nge-akhawunti yomuntu ofakwe kumshwalense uma esaphila, noma eyalabo abahlomulayo, umlingani wakhe womshado kanye/noma izingane. Uma kwenzeka ingakwazi ukusebenza, ayingeneleli ngokushesha ngemuva kwengozi. Ngokuvamile kufanele ulinde kuze kube yilapho isimo sakho sihlanganiswa.
Ungawenza kanjani umshwalense wemoto usebenze?
Kungakhathaliseki ukuthi isimemezelo senziwa ngocingo, ngeposi noma ngokuqondile e-ejensi, umshwalense udinga ukuhlonipha umnqamulajuqu obekwe umthetho: izinsuku ezingu-2 uma kwenzeka ukwebiwa kwemoto; Izinsuku ezi-5 eziphezulu kwezinye izinhlobo zezicelo, kusukela ngosuku azi ngalo; Izinsuku ezingu-10 ngemva kwenhlekelele yemvelo.
Ingabe umshwalense wengozi ogcwele uyimpoqo? lokhokuyintoini isiqinisekiso imoto zonke izingozi ? EFrance, ukushayela imoto, kunjalo liyadingeka ofqiniseka, okungenani, kokuthi “Civil Liability” (isihloko L 211-1 seKhodi Yomshwalensi).
Iyini izindleko ezimaphakathi zomshuwalense wemoto ophelele?
Izindleko zeumshwalense wemoto kusho ngefomula
Ngo-2020, kwakudingeka ukubalwa moyenne € 528 ngonyaka ukuthatha Umshuwalense Wezimoto kwesithathu, uma kuqhathaniswa no-€596 wefomula emaphakathi kanye ne-€715 yefomula zonke izingozi.
Indlela yokukhetha inkampani yomshuwalense? Mayelanaumshuwalense, kulungile uku ukukhetha umlamuli wayo ngokunaka okukhethekile. Kuleyo makethe enokuncintisana, kubalulekile ukwenza ucwaningo lokuqhathanisa. Ngokugwema ukujaha. Nokuncika, ngangokunokwenzeka, ohlelweni lokukhishwa kwamathenda.
Ungawukhetha kanjani umshwalense wezempilo?
Uma kubhekwa inani elibalulekile lezindleko ezithile zezempilo, kuyanconywa ukuthi ukhethe umshwalense onikeza imbuyiselo esheshayo. Sikweluleka ukuba wenze kanjalo ukukhetha inkontileka enikeza isikhathi esiphezulu sokukhokha amahora angama-48. Amanye ama-mutual ahlinzeka isikhathi sokulinda esiyizinyanga ezimbalwa.
Yiziphi izinhlawulo zokushayela ngaphandle komshwalense?
Shayela ngaphandle komshwalense imoto kuyinto icala: Icala elahlulelwa yinkantolo yokuhlunyeleliswa kwezimilo futhi elijeziswa kakhulu ngenhlawulo kanye/noma isigwebo sasejele esingaphansi kweminyaka eyi-10. Usengozini yenhlawulo engu-€3.
Yiziphi izingozi zokushayela ngaphandle komshwalense? I-athikili L324-2 ye-Highway Code inikeza lokho kushayela ngaphandle umshwalense kuyinto icala elinesijeziso senhlawulo engu-€3, ehambisana nokumiswa kwelayisensi yeminyaka emi-750 noma ukushaqwa kwemoto.
Ubani okhokhayo uma kwenzeka ingozi ngaphandle komshwalense?
isisulu d'umshayeli ngaphandle komshwalense
Umthetho waseFrance ucacile futhi yi-FGAO (Fonds de Isiqinisekiso se umshwalense Kuphoqelekile de umonakalo) qui uzokhokha isinxephezelo de isisulu.