Inishuwarenzi yemotokari muThailand, iyo makumi maviri inowanzo bvunzwa mibvunzo

Pane misiyano yakati wandei pakati peinishuwarenzi yemotokari muThailand uye zvatakajaira kuNetherlands neBelgium. Pazasi pane tsananguro yemitemo uye kuti inoshanda sei mukuita.  

1. Ndeapi marudzi einishuwarenzi yemotokari aunogona kutora muThailand?

• Zvinosungirwa (CTPL): Inishuwarenzi inopihwa nehurumende yemotokari yega yega. Izvi zvinongovhara kukuvara kwemuviri kana kufa (kuvharika kwakaderera). Kukuvadzwa kwepfuma hakuna kuvharwa. Iwe uchagara uchida iyo Inomanikidzirwa, kuwedzera kune imwe yemainishuwarenzi pazasi.
• First Class insurance: Izvi zvinozivikanwa zviri nani seNjodzi Dzese kana inishuwarenzi yakazara yakazara. Inishuwarenzi yeFirst Class inopa chivharo chakakwana chemotokari yako, kusanganisira kukuvadzwa kwemidziyo, kukuvara kwemuviri kana kufa, chivharo chetsaona, mari yekurapa yemutyairi nevafambi, moto, kuba uye bhero.
• Chetatu Kirasi inishuwarenzi: Izvi zvinogona kufananidzwa neDutch third party insurance. Izvi zvinovhara kukuvadzwa kwemidziyo uye mari yekurapa yevechitatu mapato. Pamusoro pezvo, kune zvakare kuvharwa kwemari yekurapa kune vako vatakuri pamwe nebheyili bond.
• 3 + 1: inovhara zvakafanana ne3rd kirasi, asi kukuvara kumota yako pachako kwakafukidzwa. Inishuwarenzi iyi haibhadhare iwe kana ukaita tsaona yemotokari imwe chete kana kuzivikanwa kweimwe mota isingazivikanwe.
• 2 + 1: Inishuwarenzi iyi inovhara zvakafanana ne3+1 inishuwarenzi, asi zvakare inovhara moto uye/kana kuba kwemota yako wega.

MuEurope isu tinowanzo shandiswa kusaita inishuwarenzi mota ine Njodzi Dzese kana yakura, kunyanya kana iwe usina kumbokuvara iwe pachako. Nekudaro, zvinokurudzirwa kuchengetedza Chekutanga Kirasi inishuwarenzi muThailand kwenguva yakareba sezvinobvira. MuBelgium neNetherlands zvinogona kufungidzirwa kuti vamwe vashandisi vemugwagwa vese vane inishuwarenzi. Ndiwo mutsauko mukuru neThailand uko vatyairi vazhinji vasina inishuwarenzi. Kana iwe ukachengetedza kukuvadzwa uko mumwe wechitatu ane mhosva, unogona kuzviwana zviri nyore mumamiriro ezvinhu muThailand umo iwe unofanirwa kubhadhara mutengo wega kana mumwe munhu asina inishuwarenzi uye asina mari. Neinishuwarenzi Yekirasi Yekutanga, kambani yako inogara ichidzosera kukuvara kwako uye yobva yaidzosera kubva kune rimwe bato. Saka haufaniri kunetseka pamusoro pazvo. Mazuvano unogona kuita insure First Class kusvika mota yava nemakore makumi maviri.

2. Sei mutengo weinishuwarenzi wemotokari yangu wakaderera pane kukosha kwazvino?

 Pamutemo wega wega weKirasi yekutanga iwe unowana kukosha kweinishuwarenzi yemota muchikamu chepakati. Iyi ndiyo mari yaunogamuchira muchiitiko chekurasikirwa zvachose kana kubiwa kwemotokari yako.

Iwe uchaona kuti iyi insured mari yakaderera pane chaiyo kukosha kwemotokari yako. MuThailand, motokari yakavharwa kwehuwandu hwe80 kusvika ku85% yehuwandu huripo. Chikonzero chikuru cheizvi ndechekuti mari yakataurwa inobhadharwa pazuva rekutanga repolicy uye pazuva 1. Muchiitiko chekupedzisira, motokari inenge inenge gore yakakura uye naizvozvo inokosha zvishoma.

3. Ndichagamuchira imwe motokari kana motokari yangu iri kugadzirwa?

Kazhinji iwe haungagamuchire yekutsiva mota. Zvakadaro, kweanenge makore maviri ikozvino wave kukwanisa kutora "Kurasikirwa Kwekushandisa" kubva kune imwe bato kambani yeinishuwarenzi (uchifungidzira kuti mumwe wacho ndiye ane mhosva yekudhumhana uye ane inishuwarenzi). Kune sedan, mari yekubhadhara i2 baht pazuva iyo yausina kukwanisa kushandisa mota.
Kurasikirwa Kwekushandisa kunofanirwa kutorwa zvakananga iwe pachako kubva kune imwe bato kambani. Kana mumwe wacho asina inishuwarenzi, unogona kuramba uchitsvaga Kurasikirwa Kwekushandisa kubva kwaari. Zvisinei, kana vasingakwanisi kana kuti vasingadi kubhadhara, nzira chete ndeye kuburikidza nedare.

4. Ndeupi musiyano pakati pemutengesi negaraji rechibvumirano?

Kune marudzi maviri emitemo anowanikwa muThailand:

1. Gwaro rinobva pagaraji remutengesi.
   Izvi zvinokutendera kuti utore mota yako kumutengesi wepamutemo kuti igadziriswe. Inishuwarenzi ine garaji remutengesi inogona kutorwa kunze kusvika mota yave nemakore mashanu. Iyi mitemo inodhura kudarika purogiramu ine garaji rechibvumirano, asi ichiri kukurudzirwa. Magaraji emutengesi anowanzo kuunza mhando iri nani, shandisa zvikamu zvepakutanga uye zvinokurumidza kugadzirisa pane magaraji echibvumirano.
2. Gwaro rinobva pachibvumirano chegaraji.
   Nerudzi urwu rwemutemo haubvumidzwe kuendesa mota kumutengesi wepamutemo (kunze kwekunge iwe uchibhadhara mari yekuwedzera iwe pachako). Kambani yega yega ine network yakakura yemakondirakiti magaraji muThailand yese.

 5. Ndezvipi zvaunosungirwa neinishuwarenzi yepamutemo?

Inishuwarenzi chete inodiwa nemutemo ndeye CTPL (Compulsory Third Party Liability). Mari yegore negore ye sedan i645.21 baht. Kunyangwe zvakachipa, inishuwarenzi iyi inongovhara kukuvara kwemuviri / rufu uye kuti pamari yakaderera. Kukuvadzwa kwemidziyo - ingave mota yako kana yemumwe munhu - hakuna kuvharwa.
Dzimwe dzese sarudzo dzeinishuwarenzi dzakadai seChekutanga, Chechipiri, Yetatu Kirasi, 2 + 1 nezvimwe ndezvekuzvidira.
Kunyangwe iwe usingazobhadhariswa faindi, zviri pachena kuti hazvikurudzirwe kutyaira uchitenderera neCTPL chete.

6. Ini ndinowedzera No-Claim Bonus (NCB) muThailand?

Kazhinji chimiro cheNCB ndecheiyi:
Pashure pegore 1: 20%
Pashure pegore 2: 30%
Pashure pegore 3: 40%
Pashure pegore 4: 50%

Cherechedzo 1: Iyo NCB inoverengerwa chete pane yekutanga premium. Iyo yakazara premium inoumbwa neakasiyana zvikamu uye NCB haina kugadzikiswa pane chimwe nechimwe chikamu.

Cherechedzo 2: Kusiyana nezvatakajaira, NCB ndeyemotokari kwete yemutyairi. Kana iwe ukatenga motokari itsva, iwe unotanga ne0% NCB zvakare (kuendesa NCB kune imwe motokari kunogoneka chete mumamiriro ezvinhu anokosha).

7. Ndingaderedza sei mari yandinayo?

1. Kuchinja kubva kune mutengesi garage kuenda kuchibvumirano garaji.
2. Nekutora njodzi yako. Iyo inobviswa, semuenzaniso, zviuru zvishanu zvebhaht yekukuvadza kwako, inongoda kubhadharwa kana iwe uri mhosva yekudhumhana.
3. Nekutora mutemo wakavakirwa pa "Mazita Madhiraivha". Mazita akawanda e2 anogona kuverengerwa papolicy. Izvi zvinoderedza premium. Kana iwe ukakweretesa mota kunze uye anokwereta (asiri pagwaro) akonzeresa kukuvara, mota ichiri inshuwarisi, asi inobviswa zviuru zvitanhatu baht inoshanda.
4. Muzviitiko zvakawanda iwe unogona zvakare kuwana 5 kusvika 10% kuderedzwa nekuisa Dashcam.

8. Sei ndichifanira kubhadhara 1,000 baht ini pachangu?

Zvinogona kuitika kuti une Inishuwarenzi Yekutanga Kirasi isina kubviswa asi iwe uchiri kukumbirwa kubhadhara chiuru chebhaht. Izvi zvinogona kuitika kana wakakuvadzwa nekukuvadzwa neimwe mota isingazivikanwe. MuThailand, mutemo wepamutemo mune iyo nyaya ndeyekuti iwe unofanirwa kubhadhara 1,000 baht iwe pachako. Saka zvakakosha kufunga, kana iwe ukadzokera kumotokari yako yakamira uye ukaona kuti mumwe munhu arovera mairi asina kusiya chinyorwa, kuzivisa kune kambani kuti iwe pachako warovera pane imwe post.

9. Ko kuvharwa kwebato rachinja here?

Kusvika pakati pa2020, huwandu hwakanyanya hwekuvharidzira hwaiwanzo kuwanikwa parufu rwemumwe. Zvisinei, mukuita mari idzi dzakakwirira hadzina kumbobhadharwa. Mari yaifanirwa kubhadharwa kana munhu afa yaigara ichizivikanwa panguva yenhaurirano pakati pekambani nehama dzaisara. Izvi zvakachinja pakati pegore rapfuura uye OIC (iyo Thai inishuwarenzi regulator) inoda kuti makambani, mumamiriro ezvinhu akadaro, abhadhare mari yakataurwa papolicy. Imwe mhedzisiro yeizvi yaive yekuti anenge makambani ese akadzikisa huwandu hweinishuwarenzi. Iye zvino 500,000 baht pamunhu yave imwe chiyero. Kuwedzera mari yekuvhara kazhinji kunogoneka pazvidiki zvekuwedzera mari. Izvo zvinokurudzirwa zvakanyanya: 500,000 baht ishoma yakaderera.

10. Ko vanogara mumotokari yangu vanopihwa inishuwarenzi sei?

Pamutemo wega wega uchaona kuvharwa kwekukuvara kwemuviri/kufa kwevechitatu, pamwe nekubhadharirwa mari dzekurapwa kumutyairi nevafambi vemota yako. Kuvharirwa kweboka rekupedzisira kunowanzo kuve kwakadzikira (semuenzaniso hunopfuura zviuru zana zvebhaht pamunhu, nepo kuvharwa kwemitengo yekurapa kwevechitatu kazhinji inokwana zviuru mazana mashanu baht). Kana iwe ukaunza vafambi vasiri mhuri yako, ivo vanofukidzwa nepamusoro wechitatu bato kavha. Iwe semutyairi uye mhuri yepedyo yakafukidzwa nekavha yepasi.

11. Sei Bhailbond yakavharwa?

 MuThailand, kana mumwe munhu akafa mutsaona yemotokari kana akakuvara zvekuti haakwanise kushanda kwemazuva makumi maviri kana kupfuura, zvinongoerekana zvaita tsotsi. Kana zvakadaro, mapurisa anofanira kuzviendesa kumatare edzimhosva zviri pamutemo. Tichitaura, mapurisa anogonawo kukubata panguva iyoyo kana achitya njodzi yekutiza. Kana izvi zvikaitika, mumwe munhu wekambani achauya obhadhara bhero. Ichi chifukidziro chakanyanya che theoretical sezvo chisingamboitika mukuita.

12. Chii chandinofanira kuchenjerera pakuhaya motokari?

Mota dzekurenda dzinofanirwa kunge dziine inishuwarenzi yekurojesa. Varidzi vemba vadiki vazhinji kunyanya havatore izvi zvakanyanya. Naizvozvo, gara uchikumbira inishuwarenzi. Nyatsoteerera kune zvakataurwa pasi pemutemo. Kana iwe ukaona chinyorwa semufananidzo pazasi, unogona kufunga kuti iyi haisi inishuwarenzi yekurojesa.

Mhedzisiro inogona kunge iri yekuti kambani haizovhara kana kukuvara kukaitika.
Kana mazwi akadai sekuti "Kubhadhara / Kuroja" kana "kushandiswa kwekutengesa" akashandiswa pano, zvinowanzoitika.

13. Pane mumwe munhu wekambani ari kuuya kuzobonderana here?

Muchiitiko chekudhumhana, zviri nani kufonera nhamba yekambani yeinishuwarenzi nekukurumidza. Iyo kambani inozotumira "muongorori" kunzvimbo yekudhumhana. Muongorori anoronga mapepa, ave nechokwadi chekuti mota yadhonzwa kana zvichidikanwa uye chengetedza kuonana nemapurisa.

Zvakakosha kuziva kuti anenge makambani ese anopa basa iri ku "Law Offices". Kana kudhumhana kuchishumwa kunzvimbo yekukurumidzira yekambani, vanotarisa kuti ndeipi Law Office iri nani kufonera uye ivo vanobva vatumira munhu kunzvimbo yacho.

Kunyangwe chokwadi chekuti Thailand yakarongeka zviri nani mune izvi kupfuura muNetherlands, kupindira kwemuongorori kuchiri kunowanzo tungamira mukunyunyuta. Zvichemo zvinowanzoitika pamusoro peizvi:

• Muongorori haataure Chirungu.
  Izvozvo zvinoitika kazhinji. Kana chimwe chinhu chichida kubatanidzwa, nzvimbo yenjodzi inowanzoita semuturikiri weparunhare.
• Zvinotora nguva yakareba kuti Surveyor asvike panzvimbo.
  Izvi zvinoitikawo nguva nenguva, kunyanya kana mamiriro ekunze achiwedzera kuipa uye paine kubonderana kwakawanda panguva imwe chete. Kana vese vanoongorora paLaw Office vakatogarwa, nguva dzekumirira dzinogona kusvika awa.

14. Ndingakweva turera nemota yangu pasina dambudziko here?

Sangano rega rega rinobata neizvi zvakasiyana. Kana uchida kuisa towbar nekukweva turera nemota, tanga watarisa nemumiririri wako kuti izvi zvinotenderwa here. Kune akati wandei emakambani asingachavhari chero chinhu kana turera inodhonzwa.

15. Ndinogona kutenga motokari inomanikidzirwa kana ndikabhadhara mutero wemugwagwa?

Kune akawanda emakambani anopa zvinomanikidza. Izvi zvinopihwawo kumahofisi ezvekufambisa. Vanhu vazhinji, kusanganisira avo vanotova neinishuwarenzi yakawedzerwa, vanosarudza kutenga inishuwarenzi inomanikidzirwa pavanobhadhara mutero wemugwagwa. Haisi dambudziko pachayo nekuti yekuvhara uye premium zvakafanana kwese. Nekudaro, zvine hungwaru kutora inishuwarenzi inomanikidzirwa nekambani imwe chete iyo iwe yaunowedzera (semuenzaniso First Kirasi) inishuwarenzi.
Chikonzero cheizvi ndechekuti inishuwarenzi yekuwedzera inongokuvharira iwe mushure mekunge muganho unomanikidzwa wasvika. Ngatitii kudhumhana kunoisa munhu muchipatara uye mari yacho i400,000 baht. Iwo ekutanga 80,000 baht anobhadharwa nekambani inomanikidzirwa. Chete kana muganhu iwoyo wasvikwa ndipo imwe inishuwarenzi ichatanga kuti ipe kuvharika kusvika painogumira. Hazvina maturo kutaura, zvinhu zvinogona kuoma mumamiriro ezvinhu akadaro kana uchifanira kubata nemakambani maviri akasiyana. Saka tora kosi yekumanikidzirwa nekambani imwe chete yaunenge uine imwe inishuwarenzi.

16. Ndeipi nguva yekuzivisa yeinishuwarenzi yemotokari?

 Aihwa. MuThailand mutemo unoshanda: Kusabhadhara kunoreva kusavandudza. Kana iwe usingade kuvandudza, hapana chaunofanira kuita. Kana iwe uchida kukanzura nguva isati yakwana, izvo zvinogoneka zvakare. Iyo kambani inozodzosera iwe maringe nehurongwa hwekubhadhara mune zvakajairwa mazwi nemamiriro. Iyi haisi pro rata asi ingangoita 75% yetemu yasara.

17. Kukuvadzwa kunokonzerwa nezvipembenene kwakavharwa here?

Kana uine Inishuwarenzi Yekirasi Yekutanga uye, semuenzaniso, makonzo anotsenga netambo, inovharwa. Kana iwe uine deductible, izvi zvinoshanda.

18. Kugadzirisa kunotora nguva yakareba sei muThailand?

Zvinosuruvarisa kureba kupfuura zvatakajaira kuEurope. Izvi zvine chekuita - regai ndingwarire - imwe nzira yekuronga. Uye zvakare, zvinongori kubatikana zvakanyanya mune dzimwe nguva (funga nezvemwaka wekunaya kwemvura).
Kutumirwa kwezvikamu zvinogonawo kutora nguva yakareba. Kana motokari yako ichiri kutyaira, bvumirana negaraji kuti motokari ichaunzwa chete kana zvikamu zvose zviripo uye vane nguva yekutanga kugadzirisa pakarepo.

19. Ko mota yako iTotal Loss riini?

Kana mutengo wekugadzirisa ukapfuura 70% yehushuwarenzi kukosha sezvakataurwa papolicy yako, mota ichanzi yarasikirwa zvachose. Unobva wagamuchira mari yacho sezvataurwa papolicy. Iyo yakaparara inobva yava pfuma yekambani.

20. Ndingaite inishuwarenzi zvekushandisa?

Izvo zvakanyanya kana zvishoma chiyero kuti zvishongedzo zvinopihwa inishuwarenzi ye20,000 baht neFirst Kirasi inishuwarenzi. Kana uine zvinhu zvinodhura chaizvo, izvi zvinofanirwa kuziviswa zvakasiyana kuti zvifukidzwe.

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