IsiGaba seNqanaba
Ama-inshurensi okanye i-arhente zokulinganisa zihlala zihlula amazwe kwiindawo ezahlula indawo ezibizwa ngokuba yimida yendawo .
Insimu nganye yokulinganisa ineempawu ezizihlukanisa nabanye. Ngokomzekelo, insimu enye inokuba yindawo esemaphandleni ngelixa enye inkulu. Ngokufanayo, insimi enye inokuba nezinga eliphezulu lokuphanga kwezithuthi kunezinye.
Indawo yokulinganisela ibonisa ukungafani kwengozi. Ukudibanisa kwezithuthi kunye nolwaphulo-mthetho luqhelekile kwiindawo ezinabantu abaninzi. Ngaloo ndlela, amaxabiso ngokuqhelekileyo aphakamileyo kwimimandla yasezidolophini kuneendawo zasemaphandleni. Isithuthi sinikwe isingqinissi kwendawo apho igadiwe khona. Qaphela ukuba ummandla wokulinganisa awuhambelani nommandla wenkxaso yomgaqo-nkqubo.
I-Fleet Versus Non-Fleet
Ngaphantsi komgaqo-nkqubo wentengiso, izithuthi zingaphantsi kweenqwelo okanye iinqwelo zokungena. Ixabiso le-Fleet liphantsi ngokuphantsi kwezinga lokungabikho kwempahla. Ngokuqhelekileyo iinqwelo ziqukethe ii-autos ezizi-5 okanye ngaphezulu (ezifana namaloli okanye itrekta). I-trailer ayiyikuzimelela, ngoko ke iindlela zokuhamba zingabandakanywa kwisibalo semoto.
Nangona kunjalo, abahamba ngomzila bafanelekile ukulinganiswa kwempahla ukuba umnikazi wepolisi unemoto ezintlanu okanye ngaphezulu ezizimeleyo. Ukuba awuqinisekanga ukuba izithuthi zakho zilinganiselwe njengezithuthi, khangela i- arhente yakho okanye umthengisi .
Kukho iindidi ezibini zezithuthi ezisetyenziselwa ishishini. Omnye uqulethwe ngamaloli, itrekta kunye nabakhweli.
Iqela le sibini liqukethe i-autos type autos (iimoto).
Iilori, iiTrekta kunye neeRaters
Ukulinganiswa kwamaloli, itrektare kunye nabahamba ngomzila kusekelwe kwiimeko ezininzi. Ezi ziquka ubungakanani bezithuthi, indlela esetyenziswa kuyo, kwaye umgama uhamba ngawo.
IsiGaba soBanzi
Ngaphantsi kwenkqubo yohlulo lwe-ISO, amaloli ahlelwe kwiiklasi zobukhulu ngokusekelwe kwisisindo sabo sempahla esisisiseko (GVW). I-GVW imiselwe ngumenzi. Ubunzima beloli xa ilayishwe kwindawo yayo kunye nabantu kunye nemithwalo. Ngokuxhomekeka kwi-GVW yayo, ilori linokuthi lihlelwe njengokukhanya, eliphakathi, elinzima, okanye elongezelelweyo (jonga itafile engezantsi). Iloli elincinci lokuthabatha liza kubalwa njengeloli elikhanyayo. Ngakolunye uhlangothi, inqwelo enkulu yokulahla, iyakwazi ukufumana ilori elongezelelweyo.
| IsiGaba soBanzi | Ubunzima beZithuthi ezininzi (Amapounds) |
| ILilk Light | Ukuya ku-10 000 |
| Medium Truck | 10,001 ukuya kuma-20,000 |
| Isixhobo esinamandla | 20,001 ukuya ku-45,000 |
| Isithuthi esininzi | Ngaphezu kwama-45,000 |
| Isithuthi esinzima-iTrakta | Ukufika kuma-45,000 (GCW) |
| I-Truck eyongezelelekileyo-iTrekta | Ngaphezu kwe-45,000 (GCW) |
Iilori ezinkulu zininzi ngaphezu kobuncinci. Ukuba iloli enkulu idibana nomnye into, kunokwenzeka ngaphezu kweloli elincinci ukudala ukulimala komzimba okanye umonakalo wepropati . Ngokomzekelo, cinga ukuba iloli yerhasi eyongezelelekileyo kunye neloli yokuloba zihamba ngesantya esinye.
Isithuthi ngasinye sisenza uphawu lokuyeka kwaye siphelela emva kwesiphelo sithuthi. Ngenxa yokuba iloli yerhasi inebunzima obukhulu kunalo lori, kuya kubangela umonakalo omkhulu emotweni kunokwakheka.
Iloli elikhulu linokuthi kunokwenzeka ukuba kuncinci ukudala ukulimala kwabakhweli. Kulo mzekelo ukhankanywe ngasentla, iloli yelahla inokuba yinto engaphezu kweloli yokukhusela abantu abakhweli bezithuthi zabanye. Ngaloo ndlela, njengokuba ubukhulu (ubunzima bezithuthi eziphezulu) beloli landa, izinga lokuhlawulwa kwamatyala liyakhula ngokunjalo.
Ubunzima beetori-tractor zibonakaliswa ngokwemigangatho ehlanganisiweyo yokulinganisa (GCW). Lo bunzima beetrektare elayishiwe ngokugcwele kunye nereyile edibeneyo. I-GCW ibandakanya ubunzima beebhegi kunye nemithwalo.
Sebenzisa iCandelo
Iilori nazo zinikezelwe ukusetyenziswa kweklasini , enokuthi isevisi, ivenkile okanye yorhwebo.
Iloli lihlelwa njengetyenziso lwenkonzo ukuba lusetyenziswa ngokubanzi ukuthutha izixhobo kunye nezixhobo kumasayithi omsebenzi. Ngokomzekelo, umakontrakta wokupaka iimpahla aphethe iilori ezintathu zokuqhuba ukuba abasebenzi basekhampani basebenzise ukuya kumasayithi omsebenzi. Amaloli ahlelwa njengento yokusetyenziswa kweenkonzo ngenxa yokuba zifakwe kumasayithi omsebenzi ngamnye kumsebenzi ngamnye ngosuku. Iloli lithengiswa njengentengiso xa lisetyenziselwa ukuthabatha okanye ukuhambisa indawo okanye kwiimakhaya ngabanye. Umzekelo i-van esetyenziselwa ukucoceka oomileyo ukuhambisa iimpahla kumakhaya ngamnye. Iloli engafanelekanga kwiinkonzo okanye ukuthengiswa kweentengiso kubalwa njengendlela yokuthengisa. Umzekelo yilori esetyenziswa ngumthengisi wokuvelisa ukuvelisa iziqhamo kunye nemifuno kwiindawo zokutyela.
Izithuthi zenkonzo zihlawulwa iipresimesi ezincinci zamatyala ngaphandle kwezithuthi zokuthengisa okanye izithuthi. Ngokufanayo, izithuthi zokuthengisa zithengiswa ngokuqhelekileyo kwiimali-mali ezingaphantsi kwee-premiums ngaphandle kwezithuthi zorhwebo.
I Radius Class
Enye into echaphazela i-premium yoshishino lokuthengisa i-radius of use. Lo umgama isithuthi ngokuqhelekileyo sihamba ngosuku ngalunye kwindawo egcinwa kuyo. Umgama ubalwa usebenzisa umgca ochanekileyo ukusuka kwimvelaphi ukuya kwindawo eya kuyo. Isithuthi soshishino sinikwe enye yeeklasi ezilandelayo:
- Ummandla ukuya kwii-50 eziliekhilomitha
- Iphakathi kwe- 51 ukuya kuma-200 ngamamayela
- Umgama omde Ngaphezu kwamamayela angama-200
Ngokomzekelo, uFrieda's Floral uhambisa iintyatyambo ngaphakathi kweekhilomitha ezili-50 kwivenkile kaFrieda. Ngenxa yokuba iloli likaFrieda alihambi ngeekhilomitha ezili-50 ukusuka kwithengisa lakhe, iloli yakhe isetyenziswe kwingingqi yeendawo . Ukuba iloli likaFrieda lihamba phakathi kwama-51 no-200 ngamamayela, bekuya kuba neerhafu ephakathi . Naliphi na iloli elihamba ngaphaya kweekhilomitha ezili-200 libhekwa njengexesha elide. Izithuthi ezinokude (ngaphandle kweelori zokukhanya) ziphantsi kohlobo oluthile lokulinganisela olubizwa ngokuba ngumlinganiselo wendawo .
Isithuthi esihamba kwindawo engama-50 engama-kilometer iya kuthiwa ihlawulwe i-premium yecala elingaphantsi kweso sithuthi esinokuthelekiswa. Ngokuqhelekileyo, izithuthi ezihamba umgama omde zinomngcipheko omkhulu wengozi kunezo zihamba emide.
Ukulimala ngokomzimba
I-premium ehlawulwe ngokukhawuleza ukulimala kweso sithuthi isekelwe kwiminyaka yesithuthi kunye neendleko zayo ezintsha. Ixabiso elitsha yintengo yokuqala yokuthenga imoto. Ubudala kubalulekile kuba iintlawulo zebango zokulahlekelwa ngumonakalo emzimbeni zibalwa ngokusekelwe kwixabiso lexabiso lemali (ACV). I-ACV yesithuthi iyancipha njengoko idala. Ngenxa yoko, iiprayimari ezihlawulwe umonakalo owenziwe emzimbeni uncipha unyaka unyaka. I-ACV yesithuthi yinkoliso yakho ye-insurer iya kuhlawula xa kwenzeka ilahleko epheleleyo .
Ubudala kunye neendleko ezitsha azikho kuphela izinto ezichaphazela umonakalo wakho wokulimala. I-insurer yakho iya kuphinda iqwalasele indawo yokulinganisela imoto, indawo yokusebenzisa, iklasi yeerhasi, kunye nobukhulu (GVW). Indawo, sebenzisa iklasi kunye neklasi yerhasi echaphazela umngcipheko wezithuthi zengozi. Insimu yokulinganisela ingabonisa ukwanda okanye ukunciphisa ingozi yokulahleka kweentlobo. Ubukhulu bezithuthi zichaphazela iindleko zokulungisa. Iimoto ezinkulu zibiza ngokubanzi ukulungiswa kunokuba zincinci.
Ukuchithwa komonakalo ngokomzimba kubandakanya i-deductible. I-deductible ibonisa inani lelahleko nganye ehlawulwa ngumnini-nkqubo. Njengoko ukwanda kwe-deductible, inkokhelo oyihlawulayo yokuhlawula umonakalo emzimbeni uyancipha.
Iintlobo zabaPhathi beBanga
Ukulinganiswa kwezithuthi ezizimele ezihamba ngasese kulula kunokuba kweloli. I-premium yemfanelo yemoto ngokuqhelekileyo isekelwe kwintlawulo ephathekayo. Le ntlawulo iyahluka ngokuxhomekeka kwimihlaba yokulinganisa. "Imilinganiselo yendawo" isetyenziselwa kwintlawulo ephathekayo ukubonisa umda othengiweyo. Into iyanda njengoko umlinganiselo ukwanda.
I-premium ehlawulwe ngokukhawuleza ukukhutshwa komzimba kwisithuthi sabasemagunyeni ngasese kuxhomekeke kwezi zinto zilandelayo:
- kwintsimi yokulinganisa
- yobudala be sithuthi
- iindleko zezithuthi
- i ductible
I-premium yokulimala emzimbeni kwisithuthi sabasemagunyeni yabanqabileyo iyancipha njengeminyaka yemoto. I-premium iphinda iyancipha njengoko i-deductible yanda.