Hauna o lapaʻau me ka deductible - He aha ka mea? Pehea e holo ai i ka franchise ma hauna o?

Mua e insure i ke kaʻa, e pono ke kuai, e hele a ike lea i ke kumu o hua'ōlelo i i hoʻohana 'ia ma kēia kaʻina hana, i pau ka "franchise". i koi Insurance konohiki, e hai aku ia oe e pili ana i na pomaikai a pau o ka āpana kulekele. Akā, i ka mea ana e wehewehe i ka nuances o ka hoʻohana mahiole a me ka franchise. He aha ia mea, a ma luna o ka hua'ōlelo hoopuka ia keia hana, heluhelu aku au mamuli o keia Haawina.

ka wehewehena

Deductible - i ka nui o ke kālā i makemake i kekahi kanaka, e uku ma luna o lākou iho i ka wa a ka hoʻopaʻa waiwai hanana. Ua hiki e hōʻike ma% a me ka loa hua'ōlelo. Kona nui ua ae like ma ka mua, a i hoakaka ia ma ka kulekele. Ke Customer i loaʻa i ka uku ho'ēmi, ina e ae mai, e kūʻai i ka mahiole a me ka deductible o RESO.

ano

Conditional franchise: nā uku i oi kona nui, i ka poe ua oo compensated. Akā, inā he kaʻa koina he hōʻemi iki ke ola, i ke insurer e loaa i kekahi mea ma lalo o ke kulekele. Laʻana: ka franchise mea 10 000 rubles, a me ke kapili koina - 8000 rubles. E like me na olelo o ka aelike i loko o keia hihia, ke Client aʻole i loaʻa i kekahi mea. Akā, inā i ka waiwai e lilo aku dala he 12 tausani rubles, ka lapaʻau compensates no ka poino i piha me ka e ole deduct i ka waiwai o ka franchise. Ma ka hana pono, ua koho ua e mau loa ana me ia, no ka ua pinepine i loaʻa ka epa i ka wa a ka Customer manaʻoi maoli i ka nui o ke poho i ka franchise kiʻekiʻe.

Loa pinepine nā mea kūʻai mai makemake e kūʻai CASCO lapaʻau pilikino E pili ana me ka deductible. He aha aʻole ia ke ano o? Ma kekahi hihia, no ka Customer e loaa i ka lapaʻau uku hua me ka hoʻoholo ma mua dala (loa franchise). Laʻana: ma ka kulekele ka pela mai ka franchise i loko o ka nui o ka 3000 rubles. I ka huina o na lilo o ka hoihoi hou ana i kaa - 10 tausani rubles. Ke Client, e loaa mai ia wale 7000 rubles. Ke koena dala ia makemake i ke compensate no lākou iho. Ia kūkulu 'ia i ho'ōla pānaʻi ai hou pinepine ia.

kumukanawai a

CASCO lapaʻau me ka deductible o unconditional mea a mauʻano. Part o na koina o ka Client e ola ma luna o lākou iho i, hiki ke kaheaia me kekahi mau 'nui a me ka pakeneka. I ka lua o ka Ina ia ua laweʻia i loko o no Wear a me ka waimaka. Ka buke o ka franchise, a me ka manawa o ka i lauwili ma ka pololei ke ano.

Kekahi laʻana: e hoʻonoho i ke kulekele CASCO lapaʻau deductible i loko o ka nui o ka 15% o ka nui o ke poho. Ka hoihoi hou ia ana o ke kaa pono 50 tausani. Hamo i. O ka poe (IC), ka Client hamo i, e loaa 50 * (1-0,15) = 42,5 tausani.. A koena - 7,5 - uku kū kaʻawale.

Eia pehea ka franchise ma ka hauna o lapaʻau.

liʻiliʻi

Ke kaumaha ma muli o ka kulana, e hoohauhee ana i ka hoao ana, e pono ai a me nā manawa kūpono no nā mea mālama mai ia kūkulu 'ia i kekahi mau pono.

1. Nā makauliʻi ma ke kūʻai. Policy me ka deductible mea mau ho'ēmi mua ole ia. ka ho'ēmiʻana mea nui elua-pa waiwai o ka paa nui. No ka mea, i kekahi 'i loko o ka costing no ka opiopio O Keaukaha (ma lalo o nā makahiki). No ka ia, IeAUPIIe, IAa IO hookupaaia multipliers. Ka uku ho'ēmi maoli ma ka like ana a hiki i ka paa dala. E huli i ka He kokekau wale lilo o ke kulekele, e hiki ke hoʻohana i ka online, me ka m'kini helu ma ka punaewele o ka lapaʻau huakai. Akā, noho ia i kekahi huahana, ia mea waiwai ia eʻeleu i ka manawa kūpono i ka hapa o na koina ma kekahi hihia e i e compensate lakou iho.
2. Mālama i manawa. No ka scratchesʻuʻuku ma luna o ke kino, a me nā pōʻino i ka Client e ole i ka leka uila i ke anaina, e loaa ka uku. deductible ana i ke kālā o Casco i loko o ia mau hihia ua i ae nei.
3. Wahi a ka 'ikepili helu, hi me ka deductible emi kiʻi i loko o ka ulia. Ua hana i ka manaʻoʻike ololi. Ke Keaukaha ka hoomaopopo ana i ke kaʻa, a hoʻopaʻa waiwai, akā, kekahi o nā koina mea e i ke compensate no lākou iho. Mākou ke olelo aku i ka franchise hana kanaka kahu kaa nui ke akahele.

Pomaikai Insurance Company

Ke alo aku o ka franchise hoola ia, mai ka ia holo i kaʻulaʻula leki i mea e uku i kekahi meaʻuʻuku uku no 2-3 tausani rubles. ʻano papa hana i manao ai nā moʻolelo mea mau i ka ia. Akā, i kēia ke kaʻina hana no na koina hiki loa mamua o ka nui o ka uku wale. Hauna me ka franchise hoola ma clerical koina. 'O kēia ka pomaikai o ka Customer ka mea e hopohopo nei. A kanaka 'Aʻole i loaʻa i kēlā manawa, e kukeʻana i ka moku holoahi o nā palapala, e kiʻi i ka uku pānaʻi i loko o ka UK. No i, e lawe i mooolelo i ke kaʻina hana o ka kakau o securities ina pono ke kaʻa e e ho'āla hou aʻela, ka mea i lawe kekahi mau mahina.

nā koho

Ina aole ka noonoo kuʻuna franchises, SK kaumaha aku ma nā kūkulu 'ia. Ka mea, i manaoia no kekahi pūʻulu o nā mea kūʻai mai.

Hōʻeuʻeu franchise hauna paha payout, mai ka lua o ka hihia. Ke ae pā o kēia manaʻoi hāpai 'o ia ka mua nui o ke poho reimburses ka UK i loko o kā lākou e lilo. Ka lua o ka hoʻomaka i ka hana i ka franchise. I kekahi manawa ka mea, o ka pakeneka, piʻi pū me ka lapaʻau kēlā Client ka i loko o ka UK. I ka Ia manawa ka mea, hiki ke hoʻololi i ka geometric Holomua.

Hoemiia deductible ua wale hoʻohana ina kuleana no kekahi ulia mea,ʻaʻole he Client. CK ua koiia e hana hou i ka poino, a hiki ina ka 'ē aʻe O Keaukaha heʻe akula i ka weliweli.

Ke kaumaha ma muli o ka manawa ia o ka hoʻopaʻa waiwai hanana originated, he hookahi hauna me ka deductible i ke hoʻohana. He aha aʻole ia ke ano o? i ka pela mai ke kulekele koho ole wale piʻi, akā, i ka manawa i loko i ka mea e ala mai. Inā ka hoʻopaʻa waiwai hanana ana ma neia hope aku, i ka Client uku i nā koina a pau ia lakou iho.

Laʻana: ka Keaukaha hoʻohana ke kaʻa wale nō ma luna o weekdays. Over ka hopena pule, neʻe i ka lehulehu amo. He ua hoʻoholo e hoopuka aku i ka pokole CASCO franchise. Inā ka hoʻopaʻa waiwai hanana ia lŘlŘ ma luna o ka weekday, i ka poʻe a pau compensates koina. Akā, inā i ka Keaukaha i loaʻa i loko o ka ulia i Sunday, i ke kala no ka hoihoi hou ia ana o ke kaa, e i, e uku mai o ka eke.

Ka wā e kūʻai pilikino E pili

• A hiki i ka loaʻa nui o noa kumu waiwai no ka mea kuokoa hapa o ka lilo. Uku ho'ēmi ia ke kūʻaiʻana i nā kulekele i hoakaka ia, e pono e hoolilo ia ma ka hoʻoponopono 'ana. Akā, me ka hoʻopaʻa waiwai kekahi hanana e ole ana. A laila, i ka pomaikai ua maopopo.
• Manao lea hoi au i ka holoʻana mākau a me ka loaʻa nui o ka lōʻihi-makahiki pilikia-noa ka hoao ana. Inā Kahalaopuna e like me ka iʻa i loko o ka wai ma hope o ka huila o ka Keaukaha, laila, i ke kulekele hauna me ka deductible ke ho'ōla iāʻoe ke kala. Ka pahiki o ka ulia mea mau ma laila. Akā, inā he palekana holo kaila hoao iho la ia i na makahiki o ka hana, ke franchise e kōkua i ka ho'ōla 'ana o ka' ohana Bedroom.
• Full hauna o nā "poino" a "aihue". Ina he Client manao e e hoʻopaʻa waiwai wale ma ke kamepiula mua, no ka mea, i paulele i loko o kā lākou nā mākau a me scratches liʻiliʻi ma ke kino,ʻaʻole e hoʻolohe. Laila ia mea e pono ke kuai i ka piha hauna me ka franchise ka nui (7% a oi), he compensating "pōʻino". "Ana paha" hiki ke hoʻopaʻa waiwai ole a pau poʻe, a, e, ke hana mea i loaʻa i loko o ka AEeAaOA me ka mea 'ē aʻe. Nolaila, ma na hihia a pau ia mea e pono e loaʻa iā pihaʻikepili.

I ka wā o ka franchise mea, e haawi aku

Wahi a ka 'ikepili helu, keia hana mea,ʻaʻole pono nā mea kūʻai mai, ka poe pinepine loaʻa ia lakou iho i loko o ka ulia. Ma kekahi, ua pili i ka novice O Keaukaha a me ka poe a pau insecure i ka huila. e aho ia kanaka, e kuai i lapaʻau i piha kumukuai, e lawe i no a pau kumumea. Nā hana he ulia pakalaki ia nā mea mālama mai i hoʻomaka ai kekahi mau manawa o ka mahina.

Ina o ka franchise mea ia e pono

Ma ke kuai loaʻa i nāʻano o nā kulekele i i e pono i loko o kekahi nā mea kūʻai mai. Inā pilikia ka haumāna O Keaukaha aho kuai piha CASCO, i ka pau maikai, kena ae la ia e kolu o ka aoao i kekahi poino. People ka poe i nei haawi pono, oe e hoʻolohe i ka lapaʻau me ka hōʻeuʻeu franchise. Big uku ho'ēmi ma luna o ia ua i hoʻolako, akā, no ka manaʻoʻike ololi, e hana nō. O Keaukaha nona ka papa kuhikuhiE kamepiula o ka manawa kūpono o ka aihue a me ka make, ia mea maikaʻi, e loaʻa iā CASCO me ka i kā mākou nui o ka franchise, no ka mea hoike, i ka polokalamu "50 a hiki i 50".

Ka lākiō o na dala

Kēlā me kēia IC iho ho omaulia i ke ka palena a hiki i piʻi. Hihia ma ka deductible makemake e hoʻohana '0 a 100%, mea'āina pohihihi keia. Akā mau hana i ka hookahi: i ka lalo o ka waiwai o ka mea e hoopii mai ai, i ka mea i oi aku ka waiwai e lilo aku, e i e compensate i ka Customer. Hauna o deductible o RESO ana i hoakaka ia ma ka ana ma lalo nei: 0.5-1% o na koina, e like me ka hopena o ke alanui he ulia pakalaki, 'ino ai ka hana o nā kānaka, e hoihoi i ka kaa, a me ka 5% no kaʻaihue kamepiula ua offset ma ka Customer. Inā keia 'atikala kāki ka 0%, laila, i ke kumukuai o ke kulekele o ke pipiʻi kaa hiki e mai i ka 6% o ka kaa i lilo, wahi lulu - 3,96%.

Aie Car Insurance

Maopopo a pau o na nuances o ke kulekele nō kū. No ina ke kaa ua kuai ma ka aie. Mau kapa a pau i kā lākou mau papa helu o na hoalawehana-insurers, i mua i aponoia i nā hua'ōlelo o ke alu like 'ana. Hoʻopau i 'aelike me ka nui poʻe i loko o ke kuai, nā mea kūʻai mai e kūʻai ana ma OJSC "Sberbank" CASCO. Franchise no ia mau hana ua hoakaka ia ma luna o ka OAXA manawa. ʻOiai ua hiki ke hoemi i ka uku o ke kulekele me ka mahuahua na ka pilikia o kona iho. No ka laʻana, ina ka Client manao e insure i ke kaa wale i ka hoaie dala, oa 70-80% o ke kumukuai o ke kaʻa. Akā, ma keia hihia, ke kae e e hou hoomaluia. Ka uku e e hapaʻauhau i ka nui o ka aie hua ka franchise. A pau keia ua hoololiia no ka mooolelo a me ka hana, i ka mea i komo i loko o ka hoihoi hou ia ana o ke kaʻa, a me ka ipu, ina ke kaa, ua aihue, a me ka luku loa. Akā, inā ma ka uku dala, aole ia i uhi i ka koena o ka aie, me ka Client e nō i e uku aku i ka aie mai o kona eke.

Miser uku palua

I ka wā o ka Agena mai nei: "He mau Lower oe kōmi i kona wahi", e ike i ka Client ia ma keia hihia oia, e i e compensate no ka nui o na dala ia lakou iho. A uuku olaʻi ma ka kakahiaka kahua o ka hoʻonaʻauao ua hoikeia ma ka mahuahua o ka uku (dala) o ka franchise. Eia naʻe, no ka lapaʻau moʻomeheu i loko o Rusia mea underdeveloped. No ka mea, kanaka e ike iʻokoʻa ma ka pā like o nā mea a pau o ka manaÿo, a me ka pilina ma waena o uku a me ka deductible, eʻae i ke kaumaha, e kuai i lapaʻau konohiki me 5-10% o ka lilo.

50 i ka 50

Wale ma MTPL deductible paa ma mua. Akā, ma kēia hihia i ke kaʻa ua hoʻopaʻa waiwai e ka mea i ka mea hiki ke ku kekahi. Loa pinepine, na O Keaukaha lawe ma luna o kēia kulekele no ka wā o ka nana. Nolaila, he ki ololi i loko o lākou ka lokomaikaʻiʻia mai kumukuai. Ua hana ka mea hookahi. Hoemi i ka uku o ke kulekele, ka UK maoli ka franchise. Akā, ua lapaʻau i e kupono inā pilikia ka haumāna O Keaukaha wale no. Akā,ʻo hoʻomaopopo lākou kuhihewa wale i ka wa a ka hoʻopaʻa waiwai hanana, ka wā e huli mai i ke kulekele uhi wale 50% o nā koina.

ka hopena

E insure i kekahi kaʻa, mai ka poho i ka mea hiki ke noi i ka hopena o ka hana o kolu o ka aoao, e pono e kuai i ke kulekele me ka deductible hauna. He aha ka mea? Ma ka hanana o ka ulia i ka Client ke leka uila i ke lapaʻau poe no ke kālā o ka lilo no kaa ke ola. Ma hope iho o ke kakau ana o nā mea a pau securities uku e ia i loko o nā palena o ka huina hoʻopaʻa waiwai, akā, hua ka deductible. Ia mea, me ka hoʻopaʻa waiwai kanaka nō e lawe i kekahi hapa o na poho, akā, i ko lakou nui, e e kakau ia ma mua i loko o ka palapala me ka paa nui a me ka pakeneka.