Sekema sa Inshorense ea Mokitlane

Tlhahlobo ea kotsi ea pele: mocha oa mokoloto o tla lekola maemo a kotsi a moreki ka botlalo mme a fane ka litlhahiso tsa kotsi ho tsoa likarolong tsa tlhaiso-leseling ea ngoliso, maemo a khoebo, maemo a taolo, lirekoto tsa tefo, tlhaiso-leseling ea banka, lirekoto tsa linyeoe, lirekoto tsa netefatso ea ntlo, tlhaiso-leseling ea lichelete, jj. e leng tlhahlobo e felletseng le e nang le sepheo sa bokhoni ba ho lefa sekoloto sa nako e khuts'oane sa moreki le boikemisetso ba ho lefa.

Ex post risk protection: Inshorense ea mokitlane e ka thusa bareki ka katleho ho fokotsa tahlehelo e bakoang ke likotsi tsa khoebo le tsa lipolotiki. Tekanyo e phahameng ea matšeliso ea nako e khuts'oane / e mahareng ea inshorense ea mokitlane ea kantle ho naha e ka fihla ho feta 80%, e fokolisang haholo kotsi ea "thekiso ea mokoloto" kantle ho naha.

Inshorense ea mokoloto + ea lichelete tsa banka: Kamora hore khoebo e nke inshorense ea mokoloto mme e fetisetse litokelo le lithahasello tsa mokoloto bankeng, boemo ba mokoloto ba khoebo bo tla ntlafatsoa ka lebaka la ts'ireletso ea inshorense, ka hona ho thusa banka ho netefatsa hore kotsi ea lichelete e teng. e laolehang le ho fana ka likalimo ho khoebo; Ha ho ka ba le tahlehelo efe kapa efe ka har'a sebaka sa inshorense, Sinosure e tla lefa chelete e felletseng ka kotloloho ho banka ea lichelete ho latela lipehelo tsa pholisi. Ka thuso ea lichelete, o ka rarolla bothata ba nako e telele ea thekiso ea mekoloto e tšoaretsoeng, ho potlakisa phallo ea chelete.