Ja v\u0113lies uzzin\u0101t vair\u0101k par to, k\u0101das ir ir KASKO apdro\u0161in\u0101\u0161anas polises spilgt\u0101k\u0101s \u012bpa\u0161\u012bbas un k\u0101di faktori var noteikt polises cenas veido\u0161anos, lasi raksta turpin\u0101jumu.<\/strong><\/p>\r\n <\/p>\r\n <\/p>\r\n <\/p>\r\n \u0145emot v\u0113r\u0101 pla\u0161o polises segumu, nereti tiek uzskat\u012bts, ka KASKO ir visu risku apdro\u0161in\u0101\u0161ana.<\/strong> T\u0101 patiesi ir, jo auto saimnieki un vi\u0146u transportl\u012bdzek\u013ci ikdien\u0101 ir pak\u013cauti da\u017e\u0101diem riskiem, un to rad\u012btie zaud\u0113jumi var b\u016bt visai iespaid\u012bgi.<\/span><\/p>\r\n KASKO apdro\u0161in\u0101\u0161ana<\/a><\/span> ir<\/strong> ieg\u0101d\u0101jama br\u012bvpr\u0101t\u012bgi<\/strong>, t\u0101d\u0113\u013c vairum\u0101 gad\u012bjumu transportl\u012bdzek\u013cu \u012bpa\u0161nieki pa\u0161i var izv\u0113rt\u0113t nepiecie\u0161am\u012bbu p\u0113c t\u0101s. <\/span><\/p>\r\n Svar\u012bg\u0101k\u0101 iez\u012bme, kas at\u0161\u0137ir OCTA un KASKO <\/span>apdro\u0161in\u0101\u0161anas polises,<\/span> ir to darb\u012bbas princips, proti, kad noticis <\/span>ce\u013cu satiksmes negad\u012bjums<\/span>, OCTA atl\u012bdzina zaud\u0113jumus, kas \u0161ofera vainas d\u0113\u013c izrais\u012bti tikai tre\u0161aj\u0101m person\u0101m un to mantai, savuk\u0101rt KASKO polise par\u016bp\u0113sies par to zaud\u0113jumu atl\u012bdzin\u0101\u0161anu, kas radu\u0161ies ar\u012b pa\u0161a vain\u012bg\u0101 autovad\u012bt\u0101ja sp\u0113kratam<\/strong>. Turkl\u0101t \u0161\u012b nav vien\u012bg\u0101 situ\u0101cija, kad KASKO var b\u016bt \u012bpa\u0161i noder\u012bga.\u00a0<\/span><\/p>\r\n \u0160o polisi var ieg\u0101d\u0101ties ne tikai vieglo auto saimnieki, bet ar\u012b tie, kam pieder kravas transportl\u012bdzek\u013ci, traktori, piekabes un motocikli. Ta\u010du bie\u017e\u0101k tiek izv\u0113l\u0113ts apdro\u0161in\u0101t tie\u0161i vieglos auto.<\/span><\/p>\r\n <\/p>\r\n Ir situ\u0101cijas, kad bez KASKO apdro\u0161in\u0101\u0161anas nav iesp\u0113jams doties ce\u013c\u0101 – ja ieg\u0101d\u0101jies jaunu automa\u0161\u012bnu l\u012bzing\u0101, un l\u012bzinga komp\u0101nija to pieprasa noform\u0113t oblig\u0101ti<\/strong>.\u00a0<\/span><\/p>\r\n P\u0101rdom\u0101jot to, vai ar\u012b Tavam transportl\u012bdzeklim vajadz\u0113tu noform\u0113t \u0161o polisi, \u0146em v\u0113r\u0101, ka t\u0101 pasarg\u0101s Tevi no nepl\u0101notiem zaud\u0113jumiem, k\u0101 ar\u012b nodro\u0161in\u0101s garant\u0113to atl\u012bdz\u012bbu gad\u012bjum\u0101, ja auto tiks aplaup\u012bts, saboj\u0101ts vai pat nozagts.<\/span><\/p>\r\n <\/p>\r\n <\/p>\r\n <\/p>\r\n Segums, ko sav\u0101 KASKO polis\u0113 pied\u0101v\u0101 apdro\u0161in\u0101\u0161anas komp\u0101nijas, var at\u0161\u0137irties.<\/span><\/p>\r\n <\/p>\r\n <\/p>\r\n Iepriek\u0161 min\u0113ti izplat\u012bt\u0101kie riski, kas parasti tiek iek\u013cauti KASKO polis\u0113, un to daudzums ar\u012b ietekm\u0113 <\/strong>polises cenas<\/strong>.<\/span> Ja nepiecie\u0161ams, p\u0113c klienta l\u016bguma polis\u0113 var iek\u013caut ar\u012b papildu segumu, piem\u0113ram, negad\u012bjum\u0101 g\u016bto traumu \u0101rst\u0113\u0161anas izmaksu kompens\u0113\u0161anu, transportl\u012bdzek\u013ca aizst\u0101j\u0113ja izmanto\u0161ana person\u012bg\u0101 auto remonta laik\u0101 un citus riskus.\u00a0<\/span><\/p>\r\n <\/p>\r\n M\u016bsdien\u0101s viegl\u0101kais veids, k\u0101 noskaidrot, cik maks\u0101 KASKO Tavam transportl\u012bdzeklim, ir, izmantojot KASKO kalkulatoru.<\/strong> Tur j\u0101ievada inform\u0101cija par sp\u0113kratu, tai skait\u0101, <\/span>re\u0123istr\u0101cijas numurs<\/span> un citi dati. P\u0113c tam ieraudz\u012bsi poli\u0161u summas. <\/span><\/p>\r\n Ta\u010du, k\u0101 \u0161\u012bs cenas veidojas?<\/strong> Par to lasi turpin\u0101jum\u0101!<\/span><\/p>\r\n <\/p>\r\n <\/p>\r\n Viens no svar\u012bg\u0101kajiem faktoriem, kas ietekm\u0113 KASKO cenu, ir Tava auto parametri. Jo liel\u0101ks un jaud\u012bg\u0101ks auto ir Tav\u0101 \u012bpa\u0161um\u0101, jo d\u0101rg\u0101ka KASKO apdro\u0161in\u0101\u0161ana Tev b\u016bs.<\/strong> T\u0101p\u0113c, ja v\u0113lies, lai par \u0161o apdro\u0161in\u0101\u0161anu b\u016btu j\u0101maks\u0101 p\u0113c iesp\u0113jas maz\u0101ka summa, izv\u0113lies auto,<\/span> kas nav \u012bpa\u0161i liels. Ja ikdien\u0101 p\u0101rvietojies viens pats ar auto, tad liels un jaud\u012bgs sp\u0113krats Tev nemaz nav vajadz\u012bgs. Ide\u0101l\u0101 variant\u0101 izv\u0113lies mazu un ekonomisku auto.<\/p>\r\n <\/p>\r\n KASKO cenu ietekm\u0113 ar\u012b Tava auto vecums. Ja Tav\u0101 \u012bpa\u0161um\u0101 ir piln\u012bgi jauna automa\u0161\u012bna, tad apdro\u0161in\u0101\u0161ana b\u016bs krietni vien l\u0113t\u0101ka, nek\u0101 vecam auto<\/strong>. Ir pat atsevi\u0161\u0137as apdro\u0161in\u0101\u0161anas komp\u0101nijas, kas klientiem nepied\u0101v\u0101 apdro\u0161in\u0101t t\u0101das automa\u0161\u012bnas, kas ir vec\u0101kas par 20 gadiem.<\/p>\r\n <\/p>\r\n V\u0113l apdro\u0161in\u0101\u0161anas komp\u0101nijas \u0146em v\u0113r\u0101 t\u0101dus krit\u0113rijus k\u0101 automa\u0161\u012bnas marka, motora tilpums, pat transportl\u012bdzek\u013ca vad\u012bt\u0101ja vecums un st\u0101\u017es<\/strong> tiek \u0146emts v\u0113r\u0101. V\u0113r\u0101 tiek \u0146emta ar\u012b tava k\u0101 autovad\u012bt\u0101ja v\u0113sture. Ja nekad iepriek\u0161 neesi izrais\u012bjis nevienu av\u0101riju un Tev nav ce\u013cu satiksmes noteikumu park\u0101pumu, tad KASKO var\u0113si ieg\u0101d\u0101ties l\u0113t\u0101k, nek\u0101 tie \u0161oferi, kuri p\u0101rkp\u0101pj ce\u013cu satiksmes noteikumus, un kuri bie\u017ei izrais\u012bju\u0161i k\u0101du av\u0101riju.<\/p>\r\n V\u0113l j\u0101\u0146em v\u0113r\u0101 tas, ar k\u0101d\u0101m dro\u0161\u012bbas sist\u0113m\u0101m Tavs auto ir apr\u012bkots.<\/strong> Jo \u0161\u0101du sist\u0113mu b\u016bs vair\u0101k, jo l\u0113t\u0101ka KASKO polise Tev tiks piem\u0113rota.<\/p>\r\n \r\n\r\n<\/p>\r\n <\/p>\r\n Apdro\u0161in\u0101\u0161anas komp\u0101nijas pirms izsniedz klientiem polisi, izv\u0113rt\u0113 auto pa\u0161reiz\u0113jo v\u0113rt\u012bbu. Ja \u0161obr\u012bd Tavai automa\u0161\u012bnai ir augsta tirgus v\u0113rt\u012bba, tad ar\u012b liel\u0101ka b\u016bs KASKO polises cena.<\/strong> Lai noteiktu, k\u0101da ir auto \u0161\u012b br\u012b\u017ea tirgus cena, apdro\u0161in\u0101\u0161anas komp\u0101nijas izmanto Latvijas Transportl\u012bdzek\u013cu biroja izstr\u0101d\u0101to automa\u0161\u012bnu v\u0113rt\u012bbu katalogu. Taj\u0101 ir atrodamas visu automa\u0161\u012bnu tirgus cenas. Ja Tevi pa\u0161u interes\u0113 noskaidrot, k\u0101da ir Tavas automa\u0161\u012bnas cena, tad ieskaties \u0161aj\u0101 katalog\u0101.<\/p>\r\n <\/p>\r\n Ja auto tiek izmantots tikai priv\u0101t\u0101m vajadz\u012bb\u0101m, tad KASKO polise b\u016bs l\u0113t\u0101ka.<\/strong> Savuk\u0101rt, ja auto tiek izmantots pasa\u017eieru vai kravas p\u0101rvad\u0101jumiem, tad apdro\u0161in\u0101\u0161ana b\u016bs d\u0101rg\u0101ka.<\/p>\r\n <\/p>\r\n KASKO polise darbojas ne tikai Latvijas teritorij\u0101. Tu vari noform\u0113t t\u0101du polisi, kas darbojas vis\u0101 Eirop\u0101, k\u0101 ar\u012b vari noform\u0113t polisi, kas darbojas Baltijas valst\u012bs vai NVS valst\u012bs. Jo pla\u0161\u0101k\u0101 teritorij\u0101 darbosies apdro\u0161in\u0101\u0161anas polise, jo d\u0101rg\u0101ka t\u0101 b\u016bs.<\/strong><\/p>\r\n <\/p>\r\nSvar\u012bg\u0101kais, kas j\u0101atceras par KASKO apdro\u0161in\u0101\u0161anu<\/b><\/h2>\r\n
![\"svari\u0304ga\u0304kais](\"https:\/\/www.polisubanka.lv\/blog\/wp-content\/uploads\/2019\/05\/svari\u0304ga\u0304kais-par-KASKO-300x200.jpg\")
<\/p>\r\nK\u0101dos gad\u012bjumos KASKO polisi \u012bpa\u0161i ieteicams ieg\u0101d\u0101ties?<\/b><\/h2>\r\n
K\u0101da veida zaud\u0113jumus visbie\u017e\u0101k atl\u012bdzina KASKO?<\/b><\/h2>\r\n
![\"zaude\u0304jumu](\"https:\/\/www.polisubanka.lv\/blog\/wp-content\/uploads\/2019\/05\/zaude\u0304jumu-segs\u030cana-300x200.jpg\")
<\/p>\r\nVisbie\u017e\u0101k tiek kompens\u0113ti sekojo\u0161i zaud\u0113jumi<\/strong>:<\/span><\/h3>\r\n
\r\n
KASKO polise un t\u0101s cenu ietekm\u0113jo\u0161ie faktori<\/b><\/h2>\r\n
![\"kasko](\"https:\/\/www.polisubanka.lv\/blog\/wp-content\/uploads\/2019\/05\/kasko-cena-300x200.jpg\")
<\/p>\r\nAuto izm\u0113rs un jauda<\/strong><\/h3>\r\n\r\n\r\n\r\n
Auto ra\u017eo\u0161anas gads<\/strong><\/h3>\r\n\r\n\r\n\r\n
Auto komplekt\u0101cija un vad\u012bt\u0101ja pieredze<\/strong><\/h3>\r\n\r\n\r\n\r\n
Pa\u0161reiz\u0113j\u0101 auto tirgus v\u0113rt\u012bba<\/strong><\/h3>\r\n\r\n\r\n\r\n
P\u0101rvieto\u0161an\u0101s m\u0113r\u0137is<\/strong><\/h3>\r\n\r\n\r\n\r\n
KASKO polises darb\u012bbas robe\u017eas<\/strong><\/h3>\r\n\r\n\r\n\r\n
Apmaksas grafiks<\/strong><\/h3>\r\n\r\n\r\n\r\n