He aha mea he franchise ia CASCO? Franchise ma CASCO: hōʻike manaʻo, ana

Kela a me keia motorist ma ka liʻiliʻi koke i loko o kona olaʻalo me ka pono e kuai i ke kulekele no kekahi kaa i (ke kaa). Ia mea i kekahi mea e hoopuka MTPL, 'ole. E. E insure i ka poino, kena ae la ia i ka waiwai a me ka ola o ke kolu aoao. Ia kūkulu 'ia i pinepine loaa ma ka nana wā, a me nā nuances o ka aelike e komo iloko. A kokoke kekahi - e loaʻa iā CASCO. Ka uku nui helu o ka nunui ka pilikia, no ka mea, o ka mea insurer hāpai 'ia e hoopuka aku i kekahi franchise. Ma pōkole ka i loko o ka makahiki, ua like penei: ma ka hopena o ka ulia i ka Client e nō i e pana aku au i ke kālā ma luna o kaʻa? Aiiio. Akā, Pehea la ka nui, a ma lalo o ka hana, o kekahi mea. Nā lāliʻi hou e pili ana i ka mea deductible ma lalo o CASCO, aha mea na ano o kona ho okumu, heluhelu ia.

walaʻauʻana manaÿo

CASCO - kaʻa lapaʻau i ka aihue, aihue no paha poho i ekolu poe. I mea no ke aha la mau kapa a pau i kauoha mai kona alo aku i loko o ka manao o ke ola auto aie. Ke hana ia mea hoʻopaʻa waiwai kaa, nānā 'ole o ka poe i kena mai i ka poino.

Kākau i ke kulekele, ka lapaʻau hope paha ua koi 'ia e manaʻo ai e hoopuka aku i kekahi franchise, haʻi e pili ana i na pomaikai a pau o ka hana, a, o ka papa, e pili ana i ka uku ho'ēmi, e loaa i ka Customer. Akā, kā lākou kāki hiki ke kiʻi mai sideways ia hope mai. Deductible - i ka nui o ke kālā i e e uku ia e ka Customer ma luna o ka hanana o ka hoʻopaʻa waiwai kekahi hanana. Ua hiki ke hoike i% o ka nui ma lalo o ka aelike 'ole ma ke koi pohō a naehana. Kona nui ua paa ia ma mua i loko o ka aelike. Oia hoi, lawe ia i unforeseen koina ole i ke Akua. A i ka franchise ma hauna o loko o ka Nohie palapala.

koho

Ole-deductible deductible lapaʻau CASCO 'o ia hoʻi i nā mea a pau uku i oi kona nui, e e hoomaopopo reimbursed ma ka lapaʻau poe (IC). Akā, inā i ka huina o na lilo o ke ola, e lilo i kekahi meaʻuʻuku kaʻa, ke Client e i e compensate no ka poino ana oe ia oe iho. No laila, i kēia franchise, a kapa aku la "conditional".

Eia kekahi laʻana

ka deductible He 5 tausani. hamo i. Inā ka poho ua oaeuiinoe ma 4.5 tausani, hamo i., A laila, i ke dala i ka Client e i ka uku ia oe iho. Akā, inā i ke kaa i ke ola, e lawe 7 tausani. Rubles, laila, uhi ka poho i piha i ka poʻe.

Unconditional franchise i ka hinu hauna o lapaʻau ua deducted mai ka uku. Oia hoi, ma kekahi hihia, e i ka lapaʻau na koina o ka Client, e uku mai o ka eke. Ma nā kūlana o ka mua mamuli o, keia 'o ia hoʻi i ka wā pōʻino i ka 7 tausani rubles, i ke kanaka e wale :. 7 loaa - rubles 5 = 2 tausani .. Akā, inā ekspertiznaya pane lākiō o 4.5 tausani. Rubles, ka mea a pau koina ka Client e i e compensate lakou iho.

Aia nō 'ē aʻe ke ano o franchises, a i manaoia no kekahi waeʻano o nā mea kūʻai mai, akā, no ka loa mau hoʻohana' ia o kēia mau. Unconditional nui mea eʻoi aʻe, e like me ia ma ka hihia o ka deductible dala o ke koina hiki ke artificially mahuahua ma ka hoʻopaʻa waiwai kanaka.

pono

Ke unequivocal pane ana i ka ninau o ina paha e kuai i kekahi kulekele me ka deductible,ʻaʻohe. Nui hilinaʻi nui ma luna o ka mea i ho'ākāka 'kulana, ka Keaukaha ka hoao ana e hoohauhee ana, i kona kālā nona iho. CASCO lapaʻau me ka deductible hiki e maikaʻi kēia inā:

• Ke Client makemake e hoola i ke kālā ma luna o ke kūʻai i ka kulekele. A i komo i loko o ka aelike kekahi franchise waiwai o ka hana, e emi iho me ka nui loa. Ua oi loa pili i Keaukahaʻaʻole ia i kipaku ka hoao ana. Ma na hihia a pau, i ka SC hoʻomaulia hoʻohana 'ana i kiekie ae ia lākiō. I ka nui o ka deductible, i ka ho'ēmi i ke kulekele. Ma keia hihia, e e hoomakaukau i ka Client e hōʻoia 'ana i ka uku, mai ka poʻe,ʻo ia, e loaa wale ka wā nui poino i ke kaʻa. Small scratches ka mea, e loaʻa, e koho i ko lakou mau lilo.

• Man makemake e hoola manawa. I ka lapaʻau hihia i ka poe e pono ai e hoʻolako i ka pau AEeAaOA o ka palapala, mai photocopies o passports i palapala mai i ke kalepa makai. Ua pono, ina kēia mau palapala i ua hoopuka koke i ka weliweli. Akā, nā mea kūʻai mai pinepine i, e hele aku i nā palapala, e nānā i. Inā i ka nui o ke poho mea uuku, ka mea i pono, e compensate no kona iho. No laila, e hiki iaʻu ka manawa a me ke kala.

• HI i mea eʻoi aʻe e hooponopono hauna me ka deductible. Reviews o nā limahana o ka onipaa no hoʻopaʻa i kēia. Ka nānā 'ana i ka nui o ke poho ka uku bureaucratic ina hana o ka helu mea mau i ka ia. Akā, na koina hiki loa mamua o ka nui o ka uku. No laila, na konohiki ho'āʻo e kuai kūkulu 'ia me ka deductible.

ʻO wai ka mea e kuai i ka kulekele?

Ua hana mai i ka mea ana i franchise ma hauna, e hele i ka ninau o ka mea nana e hana e like me ka aelike. Ke'ī mai, me ka Loaʻaʻia mea kūʻai mai pono halawai mau ana hoʻohālike.

1. Loaʻa nui o ke kālā. Nā hana poino i ka Client e i e compensate lakou iho. Akā, me ka hoʻopaʻa waiwai kekahi hanana e ole ana. A laila, na makauliʻi ma ke kuai ana o ke kulekele e e hoaponoia.
2. Lōʻihi hana o ka ulia-noa holoʻana. Inā he kanaka ua pono e hoʻokele a me ke kaa i manaʻo nei holo e like me ka iʻa i loko o ka wai, i ka franchise ma hauna, e hoola i ka Bedroom ana ka malama ana i ke ano o ka malu, mai ke kaʻa e e palekana mai kaʻaihue a me ka make.
3. Ka makemake e formalize i ke kulekele ma luna o kekahi wale 'ano o ke kamepiula. Full hauna o nā 'ohana ka palekana mai ka poino a me ka aihue. Akā,ʻaʻole e inā he kanaka paulele i loko o kona mau nā mākau o ka holoʻana a me ka nīnūnē scratches e AOON, e pono ke kūʻai, e kūʻai i ke kulekele me ka deductible kiʻekiʻe (mai ka 7%) no ka pilikia o ka "pōʻino". "Ana paha" ua kākaʻikahi kaumaha aku ai i nā mea kūʻai mai kaawale. Loa pinepine ka mea, ke hele mai puʻu a me nā lawelawe. Akā, inā i ka Client ua Kulekele Hoʻohanaʻia e ka lehulehu no ka lōʻihi manawa, hapanui franchise ma hauna o ke lilo waiwai āpana.

Hewa i ka rula

Wahi a ka 'ikepili helu, inexperienced O Keaukaha i oi paha, e kiʻi i loko o he ulia pakalaki, a e kelepona i ka poe no ka uku. No ka ia, ka mea makauliʻi ma ke kulekele huli i loko o nui koina no ka auto like ke ola. Maikaʻi wale e kūʻai lapaʻau me kiekie coefficients. ʻO ia pili i ka Keaukaha ka poe i loaa ka pono ma hope o 40 makahiki.

koi

No laila, ka mea ia e pōmaikaʻi ai mai deductible CASCO? Inā pilikia ka haumāna O Keaukaha, ka mea e ole e noho ana ma luna o nīnūnē scratches, a ua makaukau e compensate ia no lākou iho mooolelo. No laila, nā mea kūʻai mai e kūʻai kūkulu 'ia me ka deductible i loko o ka 0.5-2% o ka lilo ana o hi.

O Keaukaha me ka lōʻihi hana o ka ulia-noa holo ke kakau i kekahi 'aelike ma lalo o ka mea e e offset wale ka kiʻekiʻe lilo o ke kaa? Aiiio. Nō kāu, ka mea, ua hoakaka franchise i loko o ka nui o ka 7%.

Malihini, maikaʻi, e hoopoina no ia o ka manaʻo me "franchise ma ka hauna o lapaʻau", a 'o ia hoʻi - e kūʻai i kulekele i koke me kiʻekiʻe coefficients. ʻOiai ua hoola i ke kala, aole ia i hana, akā, no ka manaʻoʻike ololi mea nō e holopono ana: ka Keaukaha e e oi akahele, e hana i ke kaa.

nuance

E kiʻi i ka uku pānaʻi i piha a pau au e hiki, a hiki ina ua hoopukaia ka Client ka hinu hauna me ka franchise. Reviews O Keaukaha ma Usenet hoʻopaʻa i kēia. Akā, i ka liana e e hiki wale ina ka perpetrator o ka ulia mea,ʻaʻoleʻoe. Ma Rusia loaʻa nō nāʻano o nā kulekele - CTP a me ka hinu hauna. Me Kinohi offset poino i ekolu poe, a me ka lua o ka - TC hoʻopaʻa waiwai. No laila, kiʻi i kekahi'āpana o ke ana i ke kālā i loko o ka franchise hiki ia ma lalo o ke kulekele CTP culprit o ka ulia. Akā, ma kēia hihia ia mea e pono e hoakoakoa i ka piha AEeAaOA o ka palapala, i mea e pono ai kakau o ka hoʻopaʻa waiwai hanana. Inā hapa o na koina compensated no CASCO a me na palapala, ua hoʻouna 'ia ai i ka SC "hale", laila, ke kālepa makai ke noi kope o ka palapala. Ka mea nui wale - e hoopuka aku i ke kaʻina hana ma mua o ka hōʻike o ka UK koi i hoopuka ia i ka hauna o, a hiki i ka insurer o ka originator. I ole ia e hoemi ana i ka nui o ka Wear a me ka waimaka a me ka uku pānaʻi, e.

Car Loan

E hoomanao e aie dala no ke kuai ana o ke kaa, i ka pali, e hoopai i ka Customer hou palapala hoʻokō. Ma keia hihia, ka mea, e ia CASCO. I ka kūʻai i kekahi hou kaʻa kakau ana i keia hana o ka elue no ka hana. Kapa kākaʻikahi komo i loko o aelike ole lapaʻau. Keia ia lŘlŘ loa pinepine i paipai 'ana i.

I ka kūʻai i kekahi kaʻa me ka holo kaʻa kālā hauna o hiki ole e mai. Kekahi kapa 'aelike' ia e like me ka noaia, akā, nui inflate holo 'awelika. A aie kula hoihoi i loko o ka uku pānaʻi ma lalo o kekahi ana. Akā, inā iʻaihueʻia i ke kaʻa, akā,ʻaʻohe mea i lapaʻau, oe e i e offset i ka lilo i ka Client, nae, e like me ka hoihoi mai i ke kaʻa ma hope o ka ulia.

kamaʻilio

O Keaukaha i aʻo aku ai iā ia ma keia hihia, e insure i ke kaʻa no ka makahiki (ina mea e ae i ka pali,) a me ka mana ala e ike ai i ko oukou hemahema e pono ai ke kulekele i nā mea a pau. Inā keia mea i hiki, ka mea i pono, e hana e like me ka mea maʻamau polokalamu. Inā pilikia ka haumāna O Keaukaha ke kuai me ka franchise ka wā CASCO kaʻa aie ana e insure wale aihue a me ka nui o ka make. Na mea e ae e kuai i ka kulekele me ka uuku nui o ka uku ho'ēmi.

Emi i ka lilo o ke kulekele i ia ma nāʻaoʻao:

• Emi ka uku au mai ka 5 a hiki i 2 makahiki.
• Insuring i kekahi kaʻa wale no ka nui o ka aie, upena o ka mua uku. A laila, e hoʻi i ka franchise no ka hauna o, e, e uku ia i loko o ka ia e like me:

(Uku - deductible) * (loiloi mua cia ola auto - mua) / 100.

E hoolilo ana i ka uku

Ka hapa nui o ka hopena maikaʻi i kou manaʻo a hiki i ka lehulehu pili i ka nele i ka hoʻomaopopo i ka pā like o nā mea mālama mai o nā kaʻina hana a me ka manaÿo, i ka nui, ka mea i franchise ma hauna. Akā, inā pono heluhelu oe i ka aelike, a maopopo i nā mea kiko'ī o ka hana mua 'eʻe' o ka pepa, na pilikia hiki ke käpae '. E ka kumu o ka uku aaioee kaulike o ka noonoo.

hiki e hoemi ma ka mea nui uku: deductible depreciation. A pau o ia mea, i hanaʻia ma luna o nā hua'ōlelo o ka aelike. Ma ke 'eʻe i ka pepa, i ka Client e like me keʻae i nā mea kiko'ī o ke hana ia mea kama'āina.

Eia kekahi laʻana

Kanaka hoʻopaʻa waiwai kaa i loko o ka nui o ka 500 tausani. Hamo i. Ke 'aelike ka pela mai ka franchise deductible i ka uku o ka 1.5% i loko o ka hihia o ka ulia. Ke poho He 50 tausani rubles .. Ka mua mea i ka payout e e like - ka franchise:

50 000 * (1-0,015) = 49 250 rubles.

Keia ua hahai ma Wear a me ka waimaka. Ke kāki o ka hoʻokuʻu loa, i hiki ole ke loaʻa hou, e deducted ka nui o ka lei i ka kaa. Ka hou ke kaa i ua hoʻohana 'ia, ka mea i oi aku ka pakeneka o kēia mau koina.

Lōkahi o ka lilo ana o ka hoʻoponopono 'ana i nā wahi - keia koho ua maopopo na na ma ka aelike. Inā ka mea, ua palapala ia i ka policyholder e wae mai ai a noho iho, i ke dala o ka uku e hooholo, e ma kekahi 'elele o ka poʻe, a me ka hana ku. Akā, ma keia hihia, no ka Client hiki ole e paulele i loko o ke kūpono o nā lawelawe i hoʻolako 'ia iā ia. No laila, ma ke kahua o ka wehe 'na palapala e pono ai, e mālama pono ana i ka aelike me ka hopuna'ōlelo "wahi ma lalo palapala hoʻokō."

ka hopena

Franchise - o ka huina o ka lilo i ka hoʻopaʻa waiwai hanana e ole e compensated ma ka UK. Ke alo o keia hehee ai i loko o ka aelike ho'ēmi i kā ke keʻehi lilo o ke kulekele. Akā, na makauliʻi hiki laila huli sideways no inexperienced O Keaukaha. People e haha aku insecure ma ka huila, ua oi paha e komo i loko o ulia. Poe akamai i kūkā iho ia nā mea mālama mai, e kuai i pono ke kulekele me kiekie coefficients a terrorize lapaʻau e pili ana i kēlā me kēia kūikawā. Franchise hiki ke hoola i ke kālā wale nō ma ka hoao ana i ka O Keaukaha.