Indlela ukuthenga CTP ngaphandle inshorensi yobomi?

Kutshanje izikhalazo Russian malunga iinkampani ezithengisa imigaqo-inshorensi avtograzhdanki. Thenga CTP ngaphandle inshorensi yobomi nzima. Ukongeza, ukuba ngo-Oktobha 2014 i-Central Bank iye yakujika uluhlu, ngokuba inshorensi abakafuni ukuba athengise-nkqubo ecocekileyo. Indlela ukuba kule meko?

Umongo ngxaki

Iyonke e Russia kukho 104 iinkampani ze-inshorensi ukuba iphepha-mvume lokuthengisa CTP. Ingaba i-inshorensi yobomi maxa ubhaliso kule nkonzo? Phantsi komthetho - akukho. Kunjalo, ukuthenga i-nkqubo "ngamavili" akunakwenzeka. Amaninzi, abasebenzi zibhekisela yokunqongophala iifom. Le ngxoxo nangoko ukwala ku PCA: iingxaki kunye namaxwebhu yeinshorensi nto yaye akakwazi. Ezinye iinkampani musa ukwenza ukuba umgaqo-nkqubo esulungekileyo ngaphandle nokuqeshwa, bonke kuhleliyo iinyanga ezimbini ukuya kwezintathu. Njengoko indlela yokuphuma kule meko, ukucela ukuba bathenge imigaqo-inshorensi eziliqela ngoko nangoko. Iindleko banda izihlandlo 2-2.5. Le meko ayizi ivumelane eRashiya amaninzi. Nangona abanye bayavuma ukuba overpay iwaka ezimbalwa, ukuba eme nabaza kufumana ifomu.

isizathu

Kwalona malunga tys.davat CTP ngaphandle inshorensi yobomi khange abonakale ngaphandle emsi. Esi sigqibo kwenza ilahleko ekungenwe ngenxa ukwandiswa umthetho wokhuseleko lwabathengi kwimarike insurance. Ukwanda kwenani abathengi akanelisekanga enkundleni. Inzuzo iinkampani sele lehlile kakhulu.

iziphumo zemali

Ngokutsho Russian Union of nabaKhuseli, ngo-2014, iinkampani 102 eziqokelelwe iziqendu motor esisinyanzelo inshorensi TPL kwi mali ka-150 ezigidi 292 lamawaka. Engange, nto leyo ngaphezu 11.2% ngo-2013. Kwangeli xesha linye Imali ukuya ku-88, imali engange 816 billion. indima ebalulekileyo kule ebidlalwe ngokwanda amazinga i-Central Bank. Ngoko ke, ukususela 10.01.2014, indleko ubuncinane nkqubo inshorensi CTP yi 2440 engange kunye ubuninzi - 2574 engange. Umdibaniso iintlawulo sagxininisa: .. Kuba nomonakalo kwipropati - 400 amawaka engange ukuba umonakalo ubomi nempilo - 500 amawaka engange ..

Le meko kakhulu kwimarike

I PCA bakholelwa ukuba ukunyuka kwamaxabiso babewela meko ezinzima zoqoqosho. Ukunyuka kwintlawulo avareji kuzakubangela iinkampani ukuba ushiye imarike. Abaninzi bashiya kunye nemimandla vysokoubytochnyh ngenxa emngciphekweni omkhulu. Endaweni yabo insurer ezingalungile. Avtovladltsy ude uzive umahluko omkhulu, kuba befumana intlawulo kwiNgxowa-mali le. Kodwa ukuba shwaka PCA, ngoko buyela sichitha endleleni.

Intlawulo yesivumelwano wangena kwiphiriyodi inshorensi kungenziwa kwezinye. Xa kunjalo, inkampani Ikwagcina yesibonelelo. Bona mazibalwe yokusebenza, kodwa kungekhona nzuzo. Bona nxaxheba fide kwiimalike banyanzeleka ukuba bavale ilahleko iinkampani yimali. Ukongeza, inxalenye ipremiyamu ibuyiselwe kwi-inshorensi. Ngoko ke, ukuba japan zemali, njengoko umahluko phakathi iipremiyamu kunye namabango, loo nto ayilunganga.

Abasemagunyeni kwicala lomxhasi

I-FAS wajoyina umsebenzi. Ngu ekuqaleni kuka-2014 lo mbutho lifumene izikhalazo ngaphezulu kwama-700 xa kuthelekiswa iinkampani ezingama-20 ukusuka kwimimandla-46 eli lizwe, leyo ukuwisa inshorensi yobomi. CTP kunzima ukuthenga "Rosgosstrakh" - umdlali likhulu emarikeni. Kwingingqi Sverdlovsk ngokuchasene nkampani iye wavula uphando solwaphulo gwenxa isikhundla, leyo okubeka isohlwayo kwi uluhlu 1-15% yemirhumo MTPL. Ngo-2012, eli nani yaba engange-1.6 billion.

I-FAS kukhokelela eluntwini. Bonke abhekiswe uhlolo zithunyelwa ucuphe indlela yokujongana kunye nalwazelelelo. Ngokukodwa, indlela enye imi ngolu hlobo lulandelayo: ukuba inkampani ibhekisa yokungabikho iifom, kufuneka uthumele ileta ebhalisiweyo (ungadlulanga umhla wama kwinyanga enye phambi kokuphela kwalo mgaqo-nkqubo) kunye isaziso apho thaca isicelo ukuba basayine imvumelwano entsha. I-inshorensi alinakho ukwala.

ezizezinye

I IDGC unako ukuthenga i-inshorensi CTP kungekho ubomi, kodwa imeko yokuba isigulane ikopi umnini yokundwendwela ukuba wesithuthi. Phantsi komthetho, la maxwebhu alandelayo ayafuneka ukuze abhaliswe kule nkqubo:

1. Isicelo ekupheleni kwekhontrakthi.

2. yokundwendwela (abantu) okanye isatifiketi sobhaliso imo amaqumrhu asemthethweni.

mvume 3. lokuqhuba.

4. TC yokundwendwela.

5. Diagnostic Card, nto leyo engqina ukuba sicatshulwa lokuhlolwa.

Kwezinye iinkampani, kubathengi evela emsebenzini kusasa lirhoxisiwe esitratweni. Ngokukodwa, "RESO-Guarantee" zingathengwa CTP ngaphandle inshorensi yobomi, emi ngaphambi kuba-cabinet imini ngaphezu kwesinye. Ngokutsho ingxelo yabathengi, enye inkonzo umntu kangangeyure. Ngokutsho manani, le nkqubo kuthatha imizuzu engama-30. Eli xesha kwanele ukuba asayine iphepha ubone iinqwelo. Phantsi komthetho, i-inshorensi unelungelo lokwenza. Omnye umbuzo kukuba xa isicelo yale saveyi yomxhasi kufuneka kwenziwe kwindawo yokuhlala yakhe. Ngokuqinisekileyo ukuthenga CTP ngaphandle inshorensi yobomi kwaye musa bazinikele kunye ikhadi diagnostic. Kodwa kungekhona kuyo yonke indawo. Kwaye oko kuyingozi kwi 800-900 engange ngaphezulu. Eyona kwiinkampani ipeyintwe kangangeenyanga eziliqela kwangaphambili. Ukukhawulezisa inkqubo kunokuba indlela efanayo - imigaqo-nkqubo emininzi ezifunyenwe ngoko nangoko.

Kutheni ndidinga i-inshorensi yobomi

Ngokwawo, imveliso iluncedo kakhulu. Yena unika ethile isiqinisekiso ukuba kwimeko yengozi zonke iindleko zonyango kunye nokufunyanwa inkampani ye-inshorensi yezempilo iza kuhlawula. Apha eRashiya le nkonzo nje yokuzithandela. inshorensi yobomi olugunyazisiweyo bungekamkelwa emthethweni federal efanayo e CTP. Ngoko ke, abanini imoto ubanga izenzo ngokungekho iinkampani waba yoko. Ukongeza sigqibo, i Ephakamileyo yoLamlo iNkundla walihlawulisa kwi umthetho yakwa-mali ka-50 amawaka. Hlikihla. Kakhulu lugwayimbo "Rosgostsrah".

Bank of kwezohlwayo

Ekupheleni kuka May 2015 umlawuli ebekwe miqobo mvume ekhutshwe i "Rosgosstrakh". Iinkampani ziye zavalwa ukungena imvumelwano entsha MTPL okanye ukuguqula esele ikhona. Kulo mzekelo, i-inshorensi kufuneka aphumeze iimfanelo phantsi amaxwebhu ngaphambili isayinwe.

Nangona uvaliwe, abasebenzi wacela ukuba beze kwi-ofisi ukuze kwenziwe CTP ngemvumelwano. abantu Physical ungenza isicelo nkqubo ngqo intanethi. Central Bank wachaza ban ngu ephule exandileyo komthetho okhoyo, ingakumbi ukwala ukuba abize abathengi isaphulelo ngokwaphulwa-ewe, nokubekwa ngeenkonzo ezongezelelweyo.

Yintoni kwakugcwele ukunqongophala avtograzhdanki na?

UMthetho Federal "On bokuhamba" Wathi umnini-sithuthi kwisithuba seentsuku ezili-10 ukususela ngomhla ekuthengwe ngawo kufuneka ukuba inshorensi ubutyala lwazo lwembambano. Kuba olwaphula le gama lijongene isohlwayo of $ 8 amawaka. Engange. Hi ndlela leyi, CTP ukurhangqa olongezelelweyo ayibizi kakhulu. Ngaphandle yokuba ngaphandle nkqubo apho nje phambi kokuba igosa lendlela yokuqala, ngokunjalo umda weli lizwe musa ukufumana umnqamlezo. Kwimeko ngengozi umngeni onke amabango amagosa amapolisa ezendlela (ngakumbi, xa ukunqongophala komgaqo-nkqubo ukususela umqhubi) kuyimfuneko ezinkundleni. Kodwa ke kubhetele ukuba ukuthatha imingcipheko kunye ukuze bafunde kwangaphambili ukuba amalungiselelo indlela MTPL ngaphandle inshorensi yobomi.

uqeqesho

Qala ukuzibandakanya kwi umba kuyilo-nkqubo akadingi usuku okanye iintsuku ezimbini phambi kokuba ekupheleni kwekhontrakthi, kwaye isibini kweenyanga. Njengoko yokwenza ubonisa, isigqibo "ukususela amavili 'ingxaki liya kuxabisa izihlandlo eziliqela ibiza kakhulu.

Kufuneka kuqala ubhalise wokungeniswa isicelo iinkampani ezintlanu ukuya kwezintandathu kwaoko - ngamaxesha ahlukeneyo. Kuqala kwinto zonke, nceda ujonge-inshorensi, ezafumana umgaqo-nkqubo wangaphambili. Kukho amathuba amancinci ye ngumba omtsha akukho markups olongezelelweyo.

Ngoko kuyimfuneko ukulungiselela sisithuthi ukubukela. Nangona, ngokomthetho, ngokubulawa CTP ngaphandle inshorensi yobomi lwenziwa kunye ikhadi diagnostic, nto leyo engqina isibakala okudluliselwa uhlolo, iinkampani ezininzi aziwathathi nto, efuna zomfundi ngamnye. Zinalo ilungelo. Ngoko ke, pre-ezibiza ubuncinane ukuhlamba imoto.

Xa "Usuku X" ukuvela ngexesha elimisiweyo. Nokuba kwiintlanganiso ezintathu linyothule kwi kumntu othile, ukuba yenziwe. Kungenzeka, akukho bani konke konke uya kubona imoto, yaye ngoko nangoko Ndakhutshwa-nkqubo ecocekileyo.

Le ibiza kancinane, kodwa ngaxeshanye, ukhetho elide.

Indlela yesibini - ukusebenzisa iinkonzo mail

Isicelo sokubhaliswa kwe-nkqubo Ingayingxelo ebhaliweyo nje kuphela kwisebe kwinkampani ye-inshorensi. Kunokuba ukuthumela imeyile kunye isaziso irisiti ebhalisiweyo kwidilesi ye-ofisi eyintloko. Ngale ndlela bacetyiswa ukuba basebenzise in kangen. Emva kokufumana isaziso esivela eposini ukuba ulayisho thaca, ungaya kwi-ofisi ze benze isivumelwano. Ke abasebenzi bona ngokwabo bengenako nje ujonge ukuba iphepha iza kuhlaziywa qho ngenyanga, okanye "awunayo i ledatha."

Indlela ukuthenga CTP ngaphandle inshorensi yobomi: yokhetho kakhulu

Enoba iinkqubo ezininzi ngexesha elinye abantu ayenziwa ngayo, umyalelo intlawulo nganye kubo ikhutshwa ngokwahlukeneyo. Ukuba usoyika ingcaciso elide ubudlelwane kunye neenkonzo zokhuseleko yenkampani (it ngesiqhelo ekwi-ofisi central), okanye osebenza nabo, ungasebenzisa olu khetho. Okokuqala, uvume ukuba uthenge CTP kunye naluphi na olunye uhlobo inshorensi. Linda de igosa liya kukhupha zombini iifom kwaye iya kukhupha umyalelo intlawulo a. Emva koko ungene nje irisithi njengobungqina bentlawulo CTP, kodwa ngeendleko nkqubo yesibini kuthiwe ukuba baguqukile. Zonke izisongelo ukubiza amapolisa uyavuma. Kwaye nkqu ngcono - ukufowunela kwisebe. Emva kokufika arhente zokunyanzeliswa komthetho ukusebenza isebe iyakunqunyanyiswa ukucaciswa ilinde iimeko zeli tyala. Uyacetyiswa ukuba ukuqhuba nangoko video okufuna xa imibuzo lokuzithethelela.

isiphelo

Ngokuzimisela neenkampani ukwenza ingeniso engakumbi iyaqondakala, kwakunye ukungaphumeleli abathengi ukuhlawulela iinkonzo abasebenzisi. Iziqulatho CTP ngaphandle inshorensi yobomi eRashiya uyinene, kodwa kuya kuthatha ixesha elininzi. Ngoko ke kufuneka sizilungiselele kwangaphambili: khetha iinkampani 5-6 ukulungisa imoto yaye kwiinyanga 2-3 ukufumana nkqubo siliva.