Apho kungcono akhuphe MTPL? CTP nge Internet

CTP isivumelwano Isiphelo luxanduva bonke abanini imoto. Lo mthetho lusekiwe ngokusekelwe kuhlalutyo ingozi umthetho. Asinguye wonke umntu uyazi apho kungcono akhuphe MTPL. Iinkonzo zibonelelwa ziinkampani ezahlukeneyo, kufuneka nje ukuba ukhethe kwiimeko ezifanelekileyo.

umthetho

Ngumqulwana obaluleke kakhulu-mthetho, nto leyo ichaza i MTPL bokuqonda-inshorensi, uMthetho Federal "On esisinyanzelo inshorensi liability yoluntu yabanini isithuthi". Release UmThetho ekubhekiswa Aprili 25, 2013. Izilungiso Kamva kwenziwa ukuphucula intsebenziswano kunye nabaxumi.

Ngokwesiseko mimiselo uxwebhu kuyacaca ukuba inshorensi kufuneka kwenziwe. Kufuneka ukuthintela iingozi zendlela, enciphisa kwimeko impatho embi yemigaqo zenkcitho. Inkampani yeinshorensi uthembisa ukuba ndiyasikhusela kwemali iqela owenzakeleyo.

Bonke abanini moto kufuneka bathobele imithetho kwekhontrakthi. Ukuba ixesha akazange agqibe ukuba sisohlwayo kulandele ukuhluthwa amalungelo. A recovery kwenzeka kuphela emva kokufumana amaxwebhu ayimfuneko, ingakumbi CTP.

Ukuphonononga kubonisa ukuba kubhetele ukuba likhuphe umgaqo-nkqubo ngoko nangoko, njengoko umnini-moto amisele nezohlwayo. Abantu abaninzi bakholelwa ukuba kubhetele ukuba usebenzise iinkonzo zeenkampani aqinisekisiweyo. Inkoliso yabo wanikela iimeko zivuma. Abanini abaninzi bayacetyiswa ukuba uphumeze ngoko nangoko kwaye Hull ukuze ndikhwele yaba ophansi kakhulu. Lo mgaqo-nkqubo ufuna imbuyekezo ukulungisa imoto yakhe.

Types of Insurance Companies

Apho kungcono akhuphe MTPL? Ekubeni weinshorensi kuyimfuneko, kufuneka ukhethe inkampani ngokuchanekileyo. zonke iinkampani ezisebenza ngokwesiseko inkqubo enye, kodwa hayi zonke iinkampani zithembekile kwaye nangendlela ukwenza imisebenzi yazo. Inikeza imeko lilungileyo 'Ingosstrakh CTP "," Rosgosstrakh "," imvume ". Kufuneka ukhethe iimeko ezifanelekileyo.

ukuzabalaza Kuphela iinkampani ukuba uthembe yokususwa CTP. Ukuphonononga kwabamnini beepropati kumatshini zibonisa ukuba kukho iinkampani embalwa ethembekileyo, nto leyo ukusingatha ngokukhuselekileyo. To ezo ziquka:

• "Rosgosstrakh": inkampani esekwe izakhiwo zikarhulumente, ngoko ke oluthembekileyo kakhulu, share kwimakethi 35,83%.
• "Alfa Insurance": Le nkampani yenye eyona ngenxa imisebenzi yesiqhelo, iqwalasele ubungqina obukhoyo kumaxabiso kweenkonzo.
• "FAC": inkampani isebenza iminyaka engaphezu kwama-20, kwaye ngeli xesha lifikile ukonwabela iinkonzo eninzi yabantu.
• "Imvume": siqinise isebenza namaqumrhu ngokwasemzimbeni zomthetho, ngaphandle CTP, owenziweyo kunye nezinye iintlobo-inshorensi.
• "Renaissance Insurance": inkampani, nangona kukho phezu kangaka, kodwa wakwazi ukwenza ukuzithemba abanini imoto.

Ngaphandle kwezi mveliso, iinkampani ze-inshorensi kunye nezinye umthambo. Inani arhente rating ziquka "Ingosstrakh CTP", "Uralsib CTP" SOGAZ. Yonke benikela iimeko ezifanayo, kodwa kukho umahluko. Kokubala iindleko CTP kufuneka kwenziwa ngokusekelwe umthetho.

Apho ngcono ukukhupha MTPL, umnini moto kufuneka isigqibo ngokuzimeleyo ngokusekelwe iimeko ezifanelekileyo kuyo. Ukuze wenze oku, kufuneka kuqala wazi kunye ingcaciso ngeenkonzo ezinikiweyo.

Ilungelo lokuba nesivumelwano

Le bokuqonda nowokupheliswa mvumelwano MTPL kulawulwa Central Bank of Russia. ezinye iinguqu kuwiso-mthetho, kwaye amalungelo kutheni iinkampani ze-inshorensi iye yandisa:

• amathuba yokubonelela nezaphulelo kubathengi, kwakunye nokunyuka kwexabiso le-nkqubo;
• indlela ohlangeneyo yokuvavanya umonakalo;
• kukho database ulwazi kwimbali inshorensi yabanini zothutho;
• ukuhleleka okubhalisa xwebhu ngekhompyutha.

Wonke umnini imoto unelungelo ukufumana ulwazi ngemiba inshorensi. Iinkcukacha ziyafumaneka kwi-ofisi kwi website esemthethweni.

nge Internet

Ngoku unako ukukhupha MTPL nge-Internet, yaye akuyomfuneko ukuba uye naphi na. Emva kokuthenga i-imeyile Kufika uxwebhu ukuba download. Kwisayithi uyakwazi ukubala iindleko CTP.

Ngenxa yokufika kwenkqubo amaxwebhu abaqeshwa DPS nga khangela phandle ngaphandle nkqubo iphepha. Yaye ngoncedo khamera iza ngenxa yokusilela inshorensi inombolo imoto.

imigaqo-elektroniki afumanekayo elizweni lethu ukususela ngo-2015. Ilungiselelwe ithuba lokukhetha inkampani ekunene, kwakunye lokukhupha uxwebhu kwindawo bume. Fumana CTP nge kwi Internet kwi indawo esemthethweni iinkampani ekhethiweyo. Intlawulo yazo credit card kunye neenkqubo intlawulo ethandwayo.

amaxwebhu afunekayo

Kufuneka unikezele ingxelo sampula eqhelekileyo. Ngokuba lo mgaqo-nkqubo ufuna nokulungiselela amaxwebhu:

• ipaspoti;
• Isiqinisekiso lolawulo sothutho;
• data imveliso;
• isiqinisekiso sobhaliso kunye endlela;
• ikopi ikhadi diagnostic.

Ubhaliso ongakhetha zitshiphu

Apho kungcono ukuba akhuphe MTPL ukugcina? Iinkampani ze-inshorensi ukunyusa ubungakanani kweentlawulo. Oku kubangela yimali ye mveliso, nto leyo yathi ngexesha lokudodobala koqoqosho. Ukuba inkampani eyayikho ngamaxesha anzima, yayisebenza iinkonzo kunye neemeko enomtsalane.

Nje qiniseka ukuba aqhelane nemigaqo CTP. Ukuba ixabiso-nkqubo ezincinane, awugubungele iingozi, kwaye eneneni indlela kufuneka zenzelwe ukuba enze ulungiswe epheleleyo imoto xa kwingozi. Ngoko ke, oko akufuneki ukuba uxhomekeke kwiinketho atshiphu, ngenxa yokuba kuhlawulwa ngayo nayiphi na imiqathango.

CTP iindleko

Ukuba unomdla apho ukuzoba CTP e Moscow, kufuneka kutyelela iinkampani ezininzi ezithandwayo uze ukhethe enye efanelekileyo. lokuhambisa Basic yamkele mthetho, kodwa kukho iinkampani ezininzi olunyuswe okanye amaxabiso edandathekileyo.

Phakathi iinqobo eziphambili ezichaphazela ixabiso komgaqo-nkqubo zibandakanya oku kulandelayo:

• amandla injini;
• ukubeka ukubeka iimoto ngenxa;
• ubudala somnini;
• amava uqhuba;
• mkhuba.

Kulungile ukuba ukhethe i-CTP ukuya kwiinyanga ezili-10, ngenxa yoko akukho nto kufuneka ukuba uhlawule iimali ezongezelelweyo. Izinga basic ilingana 3432-4118 engange.

Ukufumana insurance premium

Inkampani yeinshorensi kwi isicelo kuvulwa ityala kuba umonakalo ubunzima, umzekelo, ngexesha ingozi. Abasebenzi benza uviwo lwabo ngesi siganeko. Qiniseka ukuba athathele ingqalelo zonke bokuqonda, iinkcukacha siganeko, iinkcukacha abachaphazelekayo abantu.

UMntu oKhuselwe ngeInshorensi kufuneka wazise inkampani ngoko nangoko xa kuthe. Uyacetyiswa ukuba isicelo ngokungqinelana nomthetho evunyiweyo ngokufaka onke amaxwebhu. Imbuyekezo ibalwa emva kokuhlola isiganeko inshorensi. Umdibaniso ka 50 000 engange lidla iguqulelwe ngaphandle kobunzima.

Yembuyekezo iya kuhlawulwa ukuba:

• 1 iimoto ezonakeleyo;
• omabini amacala asinawo umgaqo-nkqubo MTPL;
• kule ngozi nxaxheba 2 iimoto.

imbuyekezo Insurance wafumana umntu owenzakeleyo, ngoko oko kuboniswe kwinkcazo. Maxa wambi intlawulo indawo inzaliseko umsebenzi wokulungisa.

Ukhetho kwinkampani ye-inshorensi

Xa ukhetha inkampani, ahlawule ingqalelo ezi zikhombisi zilandelayo:

• ezihlola Rating: ukuba ukuthembeka nkampani liphezulu, oko ngokuthe ngcembe byi imbuyekezo, aze afumane umsebenzi ngobuchule;
• capital ogunyazisiweyo: imigaqo-nkqubo kufuneka zithengwe apho ikomkhulu ogunyazisiweyo ngaphezulu kwezigidi 500 engange.
• yokusebenza kwemali: ziquka ixabiso ibhonasi kunye Ukubhatalwa;
• zentengiso: kungcono ukuba baqwalasele nokubuyekezwa umthengi lenene, ezona abahlobo, yaye hayi kwi ividiyo kwi-Internet okanye umabonakude;
• iimeko: kuyimfuneko ukufunda zonke iinkcukacha nkonzo.

Iinkampani ze-inshorensi Professional ukusebenza kakuhle. Iingcali basoloko ukucebisa abathengi zabo kwimiba enenjongo. Kwimeko-inshorensi ukuba ngokuyimfuneko kuvavanywa, kwaye imali yagqithiselwa ngokukhawuleza ukuba ubani owoniweyo.