تاریخ انتشار : یکشنبه 31 اردیبهشت 1402 - 16:12
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کد خبر : 208734

استعلام قیمت بیمه ثالث موتور را چگونه بگیریم؟

استعلام قیمت بیمه ثالث موتور را چگونه بگیریم؟

بیمه کردن انواع موتور شرایط خاص خود را دارند. موتور سیکلت یکی از وسایل نقلیه کاربردی است که علاوه بر تسریع کارها همیشه در خطر حادثه است. برای جبران خسارت‌های به وجود آمده استفاده از بیمه شخص ثالث اجباری است تا در صورت بروز تصادف‌ها هزینه‌های وارد شده به فرد زیان دیده پرداخت شود، اما

C:\Users\mohammad\Downloads\1\1.jpg

بیمه کردن انواع موتور شرایط خاص خود را دارند.

موتور سیکلت یکی از وسایل نقلیه کاربردی است که علاوه بر تسریع کارها همیشه در خطر حادثه است. برای جبران خسارت‌های به وجود آمده استفاده از بیمه شخص ثالث اجباری است تا در صورت بروز تصادف‌ها هزینه‌های وارد شده به فرد زیان دیده پرداخت شود، اما بیمه موتور سیکلت چند نوع دارد و چه شرایطی را می‌تواند تحت پوشش قرار دهد؟ قیمت نرخ حق بیمه موتور چقدر بوده و چه عواملی بر روی نرخ بیمه تاثیر می‌گذارد؟

بیمه موتور سه چرخ یکی از بیمه نامه‌های این وسیله نقلیه است که در ادامه این مطلب مزیت‌ها و پوشش‌های آن را توضیح خواهیم داد. با ما همراه باشید. 

بیمه شخص ثالث موتور سیکلت

بیمه شخص ثالث یکی از انواع بیمه نامه‌های موتور سیکلت است که خیلی شبیه به بیمه اتومبیل بوده و همانطور که اشاره شد، خرید آن اجباری است. خسارت‌های مالی به اشخاص، خسارت‌های جانی به اشخاص، خسارت‌های جانی به راننده مقصر در بیمه موتور سه چرخ و سایر موتور سیکلت‌ها تحت پوشش بوده و جبران خسارت می‌شود. 

به طور کلی بیمه موتور سه چرخ  خسارت‌های مالی و جانی که راننده مقصر باید جبران کند را تا سقف تعهدات خود پرداخت خسارت می‌کند. همچنین خسارت‌هایی که با نقص عضو، هزینه‌های درمان و فوت همراه باشد نیز تحت پوشش این بیمه نامه قرار خواهد گرفت.

پوششهای بیمه موتور سه چرخ 

همانطور که اشاره شد، بیمه موتور به سه حالت کلی تقسیم می‌شود که به جبران خسارت‌ها می‌پردازد. این خسارت‌ها عبارتند از:

  • خسارت مالی شخص ثالث: در صورتی که تصادف بروز حادثه رانندگی، سبب خسارت مالی به شخص ثالث و فردی غیر از راننده مقصر شود، در این پوشش جبران خسارت خواهد شد.
  • خسارت جانی به راننده مقصر: در بیمه موتور، اگر راننده مقصر دچار خسارت جانی شود، بیمه مطابق با قوانین این بیمه نامه، جبران خسارت می‌کند.
  • خسارت جانی به شخص ثالث: اگر در حین حادثه رانندگی، خسارت جانی یا بدنی برای فرد زیان دیده و شخص ثالث رخ دهد، می‌توان از این پوشش برای جبران دیه و هزینه‌های دیگر استفاده کرد.

با توجه به توضیحات داده شده، بیمه موتور سه چرخ خسارت‌های وارد شده به اموال و جان اشخاص ثالث و خسارت‌های جانی به راننده مقصر را جبران خواهد کرد، اما برای جبران خسارت‌های مالی بدنه موتور سیکلت باید از بیمه بدنه استفاده کرد. 

در بیمه موتور چه خسارتهایی تحت پوشش است؟

در بیمه نامه شخص ثالث حوادث مختلفی تحت پوشش قرار می‌گیرند که به شرح زیر است: 

  • برخورد یا تصادف موتور با هر گونه جسم ثابت یا متحرک
  • پرداخت دیه فوت یا نقص عضو
  • خسارت‌های ایجاد شده از طریق محموله و بار موتور به شخص ثالث
  • هرگونه خسارت مالی وارد شده به شخص ثالث
  • هزینه‌های درمان شخص ثالث در صورت بروز حادثه

دریافت خسارت بیمه شخص ثالث موتور 

C:\Users\mohammad\Downloads\1\2.jpg

برای دریافت خسارت بیمه شخص ثالث به اصل و کپی بیمهنامه نیاز دارید

برای دریافت خسارت در انواع بیمه نامه باید یکسری مدارک به شرکت بیمه تحویل داده شود. برای دریافت خسارت در بیمه موتور هم نیاز به تحویل مدارک است که عبارتند از:

  • اصل و کپی بیمه نامه معتبر راننده مقصر و فرد زیان دیده
  • اصل و کپی گواهینامه راننده مقصر و فرد زیان دیده
  • اصل و تصویر کارت شناسایی و شناسنامه مالکیت وسیله نقلیه مقصر و زیان دیده
  • اصل و تصویر کارت ملی مقصر و زیان دیده
  • اصل فاکتور رسمی‌‌لوازم با تایید کارشناس بیمه

فرد زیان دیده در حادثه رانندگی و تصادف، باید مدارک مورد نیاز را تحویل شرکت‌های بیمه دهد و پس از آن با تشکیل پرونده به شرکت بیمه مراجعه کرده تا کارشناس‌های بیمه‌ای ارزیابی خسارت را انجام دهند و بعد از تایید نهایی، هزینه جبران خسارت‌ها در قالب چک به فرد زیان دیده شده پرداخت شود. 

نرخ قیمت بیمه موتور سیکلتها

برای محاسبه نرخ پایه و استعلام قیمت بیمه موتور سیکلت‌ عواملی مختلفی تاثیر گزار است که با توجه به تعداد سیلندر‌ها و تعداد چرخ‌ها به چهار دسته کلی تقسیم بندی می‌شوند. این دسته بندی‌ها عبارتند از:

  • موتور سیکلت گازی
  • موتور دنده‌ای یک سیلندر
  • موتور سیکلت دوسیلندر و بالاتر
  • موتور دارای سه چرخ و سایدکار

نرخ حق بیمه موتورسیکلت‌ها در سال ۱۴۰۲:

نوع موتورسیکلت

مبلغ حقبیمه پایه (تومان)

گازی

۷۵۶.۶۰۰

دندهای ۱ سیلندر

۹۲۴.۳۰۰

دندهای دو سیلندر به بالا

۱.۰۱۵.۰۰۰

دندهای دارای ۳ چرخ یا سایدکار

۱.۰۹۲.۰۰۰

 

به طور کلی نوع موتور و تعداد سیلندر‌های آن بر روی قیمت بیمه نامه تاثیر خواهد گذاشت و هرچه قیمت موتور سیکلت بالاتر باشد، قیمت حق بیمه هم متفاوت خواهد بود، البته که عوامل دیگری مانند: پوشش مالی، تخفیف عدم خسارت و جریمه دیرکرد نیز بر روی نرخ پایه حق بیمه تاثیر گزار است. همانطور که می‌دانید تخفیف عدم خسارت باعث کاهش هزینه و قیمت بیمه موتور سیکلت خواهد شد.

چه حوادثی تحت پوشش بیمه موتور سه چرخ نیستند؟

C:\Users\mohammad\Downloads\1\3.png

حوادث خاصی تحت پوشش بیمه سه چرخ نیستند.

شرکت‌های بیمه‌ای برای متعادل کردن میزان ریسک پوشش‌ها در بیمه نامه، برخی از موارد را تحت پوشش خود قرار نمی‌دهند و مطالبق با قانون بیمه مرکزی این موارد جزو استثنائات در بیمه نامه است که جبران خسارت نمی‌شوند. برای بیمه موتور سیکلت هم استثنائاتی وجود دارد که به شرح زیر است:

  • خسارت وارده به بار یا محموله موتورسیکلت 
  • خسارت مربوط به موتورسیکلت راننده مقصر
  • خسارت وارده ناشی از اشعه رادیواکتیو و تشعشعات هسته ای
  • جرایم ناشی از محکومیت قضایی یا اجرایی

بیمه بدنه موتور سیکلت

بیمه بدنه یکی دیگر از بیمه‌های موتور سیکلت است که به جبران خسارت‌های مالی راننده مقصر می‌پردازد. بیمه‌گزار با پرداخت حق بیمه، از مزیت‌ها و پوشش‌های این بیمه نامه استفاده می‌کند. همچنین بیمه بدنه موتور بر خلاف بیمه شخص ثالث اجباری نیست، اما موتور سوارها می‌توانند برای جبران خسارت‌های احتمالی به وجود آمده از این بیمه نامه استفاده کنند که به طور کلی دو پوشش اصلی در بیمه بدنه جبران خسارت خواهد کرد و عبارتند از:

  • تصادفات
  • آتش سوزی

همچنین خسارت‌های قابل جبران در بیمه بدنه موتور سیکلت به شرح زیر است:

  • سقوط موتور و واژگون شدن موتور سیکلت
  • برخورد دو موتور با هم دیگر یا برخورد با خودرو 
  • حریق( آتش سوزی)
  • برخورد موتور سیکلت با یک جسم ثابت یا متحرک
  • برخورد اشیا به موتورسیکلت (موتورسیکلت در حال حرکت وسکون)

پوشش سرقت در بیمه موتور سه چرخ تحت پوشش قرار نمی‌گیرد و علت اصلی آن هم می‌تواند این باشد که میزان ریسک سرقت موتور سیکلت بالا است و شرکت‌های بیمه‌ای این ریسک را قبول نمی‌کنند، اما اگر موتور سیکلتی را خریداری کرده‌اید که قیمت بالایی دارد، می‌توانید با شرکت بیمه مورد نظر خود در میان بگذارید تا با توجه به قوانین و شرایط ایجاد شده، از این پوشش بهره مند شوید. 

خرید ارزانترین بیمه موتور سه چرخ 

خرید بیمه شخص ثالث و بیمه بدنه‌ای که پوشش‌های گوناگون داشته باشد و با توجه به آن خدمات و جبران خسارت‌ها انجام شود، جزو دغدغه‌های افراد و موتور سوار‌ها است. برای اینکه بتوان در زمان و انرژی صرفه جویی کرد، می‌توانید از پلتفرم‌های آنلاین خرید بیمه استفاده کنید. بیمه دات کام یک کارگزاری آنلاین خرید بیمه است که شرایط استعلام و مقایسه انواع بیمه و بیمه موتور سه چرخ را فراهم کرده تا افراد به راحتی و تنها با چند کلیک بتوانند ارزان‌ترین و بهترین بیمه را خریداری کنند.

کافی است برای خرید بیمه موتور سیکلت به وب سایت bimeh.com و صفحه اصلی مراجعه کرده و با پر کردن فرم مربوطه و اطلاعات مورد نیاز، مقایسه شرکت‌های بیمه‌ای را مشاهده کنید و در نهایت از خرید خود لذت ببرید. همچنین این مجموعه شرایط استعلام و مقایسه شرکت‌های بیمه‌ای را فراهم کرده است تا بتوان بهترین خدمات را دریافت کرد. اگر مشاوره‌ای در زمینه خرید بیمه شخص ثالث، بیمه موتور سیکلت، بیمه آتش سوزی، بیمه مسئولیت یا هر بیمه دیگری نیاز دارید، می‌توانید با کارشناس‌های بیمه‌ای این مجموعه در ارتباط باشید. توجه کنید مجموعه بیمه دات کام برای افزایش رضایتمندی مشتری‌ها و بیمه‌گزارهای عزیز خود، پشتوانه ۲۴ ساعته و در طول ۷  روز هفته را در نظر گرفته است.

 

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