\u00d5nnetused t\u00e4hendavad aga lisaks inimkannatanutele tihti ka suuri kulusid ja kahju, mis v\u00f5ib k\u00fc\u00fcndida tuhandetesse eurodesse. Seega tasub aegsasti m\u00f5elda, kuidas end ootamatute avariide vastu kaitsta. Selle valguses k\u00fcsitakse meilt tihti, millest s\u00f5ltub kaskokindlustuse hind? Palusime ekspertidel selle kujunemist selgitada.<\/p>\n
Aasta esimeses pooles enam kui 10 000 kahjuavaldust<\/p>\n
Swedbanki andmetel on selle aasta esimeses pooles esitatud juba \u00fcle 10 000 kaskokindlustuse kahjuavalduse ning h\u00fcvitisi makstud v\u00e4lja rohkem kui 11 miljoni euro v\u00e4\u00e4rtuses. K\u00f5ige kallim juhtum ulatus pea 50 000 euroni, kus s\u00f5ideti otsa teel peatunud s\u00f5idukile.<\/p>\n
Kaskokindlustus on vabatahtlik kindlustus, mis aitab h\u00fcvitada s\u00f5idukile tekkinud kahjud s\u00f5ltumata sellest, kes \u00f5nnetuse p\u00f5hjustas. Swedbanki riskikindlustuse allosakonna juhi Eivo Kisandi s\u00f5nul s\u00f5ltub l\u00f5plik kasko maksumus mitmest tegurist ja on olenevalt s\u00f5idukist ning juhist individuaalne. Niisamuti erineb hinnastamine kindlustusseltside l\u00f5ikes.<\/p>\n
\u00abEsmalt v\u00f5etakse arvesse s\u00f5iduki tehnilised n\u00e4itajad,\u00bb s\u00f5nas Kisand. \u00abTavap\u00e4rased komponendid hinnakujunduses on seega n\u00e4iteks s\u00f5iduki mark, mudel, s\u00f5iduki v\u00f5imsus ning l\u00f5plik kindlustussumma. V\u00e4iksema v\u00f5imsusega s\u00f5idukitega seostub \u00fcldjuhul madalam risk, mist\u00f5ttu v\u00f5ib ka makse olla soodsam.\u00bb<\/p>\n
Ka s\u00f5iduki vanus m\u00e4ngib hinna juures rolli. \u00dchelt poolt l\u00e4bi selle, et enamasti on uuemate s\u00f5idukite hinnad k\u00f5rgemad, mis t\u00e4hendab ka suuremat kindlustussummat ning teisalt seet\u00f5ttu, et s\u00f5idukite varuosade maksumused on v\u00e4ga erinevad. Swedbanki kaskokindlustusega on v\u00f5imalik kindlustada kuni 14-aastaseid s\u00f5idukeid.<\/p>\n
Kui parameetrid \u00fcle vaadatud ja l\u00e4heb kaskolepingu s\u00f5lmimiseks, on hea teada, et see s\u00f5lmitakse enamasti \u00fcheks aastaks. Ning igas j\u00e4rgnevas pakkumises tuuakse taas v\u00e4lja s\u00f5iduki kokkuleppeline v\u00e4\u00e4rtus j\u00e4rgmiseks perioodiks.<\/p>\n","protected":false},"excerpt":{"rendered":"\u00d5nnetused t\u00e4hendavad aga lisaks inimkannatanutele tihti ka suuri kulusid ja kahju, mis v\u00f5ib k\u00fc\u00fcndida tuhandetesse eurodesse. Seega tasub…\n","protected":false},"author":2,"featured_media":50319,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[131,378,130,37,33,35,25538,34,36,2879,4924,25544,15802,25542,25541,25543,25539,14307,2275,25540],"class_list":{"0":"post-50318","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ari","8":"tag-ari","9":"tag-auto","10":"tag-business","11":"tag-ee","12":"tag-eesti","13":"tag-eesti-keel","14":"tag-eivo-kisand","15":"tag-estonia","16":"tag-estonian","17":"tag-hind","18":"tag-juht","19":"tag-juhtumid","20":"tag-kahju","21":"tag-kaskokindlustus","22":"tag-kasutuseesmark","23":"tag-kokkuleppeline-vaartus","24":"tag-omavastutus","25":"tag-soiduk","26":"tag-swedbank","27":"tag-tehnilised-naitajad"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ee\/115610415589056018","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/50318","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/comments?post=50318"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/50318\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media\/50319"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media?parent=50318"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/categories?post=50318"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/tags?post=50318"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}