Yiyiphi i-Auto Autoft?
Umgaqo-nkqubo we- ISO Business Auto uchaza ii- autos eziqashiweyo nje kuphela ezo i-autos oziqeshisayo, ukuqesha, ukuqesha okanye ukuboleka . Ubhekisela kumntu ogqityiweyo onesiqinisekiso . Ngaloo ndlela, i-term hired auto ithetha isithuthi esiqashiweyo, esiqashiweyo, esiqashiweyo okanye esibolekwe ngumntu okanye into ebhalwe kwiimpapasho. Qaphela ukuba eli gama alibandakanyi nayiphi na imoto oqeshisayo, ukuqesha, ukuqesha okanye ukuboleka kumqeshwa, iqabane, ilungu (leenkampani ezinobunzima), okanye ilungu lentsapho yaloo mntu.
Ukukhutshwa kweMoto yokuPhathwa kweMoto
Kungakhathaliseki ukuba iimoto eziqashiweyo zifunyenwe uxanduva phantsi komgaqo-nkqubo wakho wokuthengisa umxhasi kuxhomekeke kwiimpawu zokuqeshiswa kweemoto eziza kubonakala kwiimvakalo ezikufutshane nekhawuntyala. Ukuba isimboli 1 (nayiphi na imoto) okanye isimboli 8 (i-autos eziqashiweyo) zidweliswe ngokukhawuleza kwesikhokelo sokubambisa, i-autos eziqeshwe ziqinisekisiwe.
Ukukhutshwa kwesikhokelo sokuzibophezela ngokuzenzekelayo kusebenza kuwe (igama elibizwa ngokuba ngumshuwalense) kunye nakubani na umntu oqhuba umoto oqeshwe ngemvume yakho.
Uyacetyiswa ukuba okanye ngaba awuyi kuqhuba imoto ngokuqeshwa xa kwenzeka ingozi. Oku kubalulekile kuba wena (iqumrhu lezorhwebo) lijongene neengozi ezibangelwa izithuthi eziqhutywe ngabasebenzi okanye nabani na omnye onemvume yakho.
Uninzi lwabaqhubi beemoto eziqeshwe ngabasebenzi boshishini.
Umzekelo, uSusan ungumqeshwa wakho. Ucele uSusan ukuba amele inkampani yakho kwindibano edolophini ezingama-250 ukusuka kwiofisi yakho. Inkampani yakho ihlawula imoto kwi-ejensi yokuqeshisa ngokuzenzekelayo ukuze uSusan aqhube ukuya kwindibano. Ubume bakho buqinisekisiwe phantsi komgaqo-nkqubo wentengiso obonelela ngeengxelo zeemoto eziqashiweyo. Ngethuba ekuqhubeni ukuya kwindibano, uSusan akabuyisanga ngokukhawuleza-uphela enye imoto. Umqhubi wesinye isithuthi ulimele engozini. Ukuba umqhubi owonzakeleyo uyamxhaphaza uSusan, iqine lakho, okanye zombini ukulimala komzimba , umgaqo-nkqubo wakho wezemoto kufuneka uphendule kweso sithuthi.
Izivumelwano zokuqasha ngokuzenzekelayo
Xa urenta imoto egameni lakho, iqumrhu lokuqeshisa liya kukucela ukuba usayine isivumelwano sokuqeshisa . Inkontileka iyakudinga ukuba uthathe uxanduva lokulimala komzimba okanye umonakalo wepropathi ogcinwe ngabantu besithathu ngenxa yengozi zezithuthi ozenzayo ngexesha lesivumelwano sakho sokuqasha. Oku kuthathwa komthwalo kuhlanganiswe phantsi komgaqo-nkqubo omiselweyo kunye nemibini emibini. Okokuqala, akukho nkonzo yokubakho nawuphi na uxanduva ocinga ukuba unomonakalo owenzayo kwizithuthi eziqashisayo. (Njengoko kuchaziwe ngezantsi, unokukhetha ukuba uqinisekise ama-autos aqeshwe ukulimala ngokomzimba).
Okwesibini, akukho nto ihlawulwa phantsi kwekhontraki apho urenta imoto nomqhubi.
Umyinge ogqithileyo
Ukukhutshwa kwekharityhulam yokuzibophezela ngokuzenzekelayo kusebenza ngokubanzi. Oku kuthetha ukuba umgaqo-nkqubo wakho wentengiso uza kusebenza emva kokuba enye i-inshorensi yokuthengwa iphelile. Umzekelo othi " enye inshuwalense ye-colletible " yinkampani yokuqeshisa inyanzelekile inyanzelekile ukubonelela phantsi komthetho kaRhulumente. Ukuba ubandakanyeka ngengozi ngelixa uqhuba umoto oqashiweyo, i-coverage ye-ejensi yokuqeshisa inikezela iya kuqala. Ukukhutshwa kwekharityhulam yakho yokusebenza ngokuzenzekelayo kuya kusebenza emva kokuba eso siganeko sisetyenzisiweyo.
Umgaqo ophathelene nokugqithiswa kwemali engaphezulu kweemoto eziqeshwe kunomnye. I-trailer oyiqeshileyo kunye nokuqhotyoshelweyo kwi-auto uqobo ihlanganiswe ngokusisiseko.
Umonakalo weMvelo
Unokukhetha ukuqinisekisa ama-autos aqeshwe (ngaphandle kwalaba baqeshiweyo nomqhubi) ngomonakalo ngokomzimba phantsi koqhagamshelwano olunzulu kunye / okanye ukuqokelela.
Ii-autos ezikhutshiwe zikhutshelwe ukulimala komzimba xa isalathisi 8 sibonakala ngokukhawuleza ngokubanzi kunye / okanye ukudibanisa ukukhutshwa kwezivakalisi. I-deductible iya kusetyenziswa. Ngokungafani nokuxhaswa kwemfanelo, ukukhutshwa komonakalo emzimbeni kwii-autos eziqashiweyo kuboniswe ngokusisiseko.
Ukuba isithuthi oqeshisayo sonakaliswe ngengozi, i-agency yokuqeshisa ayinakukwazi ukuqesha isithuthi kunoma yimuphi umntu ngelixa i-auto ilungiswa. Ngenxa yoko, i-arhente yokurenta inokukuhlawula "ukulahlekelwa kokusetyenziswa". Ngaphantsi komgaqo-nkqubo wokuthengisa umgangatho ophantsi, ukulahlekelwa kokusetyenziswa kwendlela yokubonelela kwenzelwa ngokuzenzekelayo ukuba uthenge umonakalo ngokomzimba kwiimoto eziqashiweyo. Umgaqo-nkqubo unikela kwi-20 engama ngosuku ngokuxhomekeke kuma-600 ayi-30 (iintsuku ezingama-30). Ukuba i-ejensi yokurenta inokuhlawula imali engaphezulu kwama-20 engama ngosuku, uya kubambelela ukuhlawula intsalela njengelahleko ngaphandle. Ukulahlekelwa kokusetyenziswa kwe-coverage akusebenzi kuma-autos aqeshwe kunye nomqhubi.
Izithuthi eziqeshwe kwigama lomqeshwa
Njengoko kuphawuliwe ngasentla, i-term hired auto ithetha i-auto eqeshwe ngu-insured. Masithi uSusan (kumzekelo wangaphambili) uhlawula i-auto kwihambo lwakhe loshishino. Xa ezalisa isivumelwano sokuqashisa uSusan uthayibhile njengendawo yokuqeshisa endaweni yenkampani yakho. Ngethuba ekuqhubeni ukuya kwindibano, uSusan wenza ingozi ngenye enye imoto. Umqhubi wesithuthi esichasayo yalimala engozini, kwaye uyammangalela uSusan kunye nenkampani yakho. Ingaba isigwebo siya kugutyungwa phantsi kwe-auto hired coverage?
Ngokomsebenzi, umqeshwa oqeshwe egameni lomqeshwa ungumntu ongekho ngumnini . Abanye abatshutshisi banokugubungela isithuthi njengemoto eqashiweyo nantoni na, kodwa abanye bangabamba. Ukuba umgaqo-nkqubo wakho ubandakanya i-autos engekho, uneenkampani yakho kufuneka ifakwe kwi-suit. Nangona kunjalo, i-insurer yakho inganqwenela ukumboza uSusan. Ngaphantsi kwemigaqo-nkqubo yoshishino lokuthengisa, abasebenzi abaqinisekanga ngelixa beqhuba ii-autos ezingenabo. Ngethamsanqa, unokuqinisekisa abaqeshwa abaqeshisa i-autos egameni labo phantsi kokuvuma okubizwa ngokuba yi-Employee-Hired Auto.
I-Autos eqeshiwe
I-ISO imisela ukwahlula phakathi kweemoto eziqashiweyo kunye nama-autos aqeshwe. Ixesha eliqeshwe ngemoto lithetha isithuthi esisetyenzisiweyo okanye esiqeshwe ixesha elingaphantsi kweenyanga ezintandathu. Ii-Autos eziqeshwe ngeenyanga ezintandathu okanye ngaphezulu zibizwa ngokuba yi- autos eziqashiweyo . Ii-autos eziqashiselweyo zifakwe kwipolisi ngokuvuma. Bangoo-insured ngenxa yemfanelo kunye nomonakalo ngokomzimba ngendlela efanayo ne-autos enezixhobo (ngokusisiseko).