KBM - yintoni na? Ibhonasi-malus lomlingani for CTP

Bonke abanini izithuthi ngokwesiseko yomthetho "Kwi-inshorensi esisinyanzelo" zinyanzelekile ukuba inshorensi izithuthi, ie ukuba akhuphe umgaqo MTPL. Russian Federation Government ilwamkele uluhlu lwamaxabiso-inshorensi motor TPL ezinyanzelekileyo. Kukho izinga esisiseko kunye iseti okuza, ezisetyenziswa ibale ixabiso le nkqubo. Asiyi achaze intsingiselo yazo zonke okuza.

Ngoko ke, lo MSC - yintoni na? Eyona nto ibalulekileyo kukuba xa umqhubi uya endleleni ngaphandle ingozi, ngoko ufanelwe amancedo xa wenza isivumelwano-inshorensi. Ngelo xesha lo mgaqo eyindleko lungandiswa. Oku ke kuya kwenzeka ukuba umqhubi uba umoni netyala kwingozi yemoto.

Ubuqili kuxhomekeke ibhonasi-malus

Ukuze siqonde ngcono intsingiselo, umqhubi kufuneka bazazi ezi zilandelayo: umqhubi KBM esingaxomezelelwanga kwisithuthi sakho.

Umzekelo, ugqiba ukuthengisa imoto kuthenga entsha. Ibhonasi-Malus iza kuqhubeka de kufike ixesha lokuba awufuni asayine isivumelwano esitsha kwi-CTP. Izithuthi kuthengiswa ngoJuni, yaye ngoJulayi uthenge entsha. Lo mgaqo-nkqubo sisebenza kude kuye ekupheleni konyaka. Ekupheleni konyaka, uya kuhlawula ngaphantsi xa wenze isivumelwano. Kodwa ukuba unqwenela ukuthenga inshorensi ngoJulayi xa uthenga imoto entsha. Phantsi kwezi meko, awufuni ukufumana isaphulelo.

Hi ndlela leyi, unako ukufunda MSC ilula. Ukuze wenze oku, sebenzisa isiseko X-ray.

Ukuba bahamba iminyaka embalwa, ngaphandle kokwaphula imithetho yendlela, Isaphulelo waqokelela, yaye kunyaka CTP olandelayo ndingenalo ezikhutshiweyo, ixabiso yakho ratio igcinwe kwiziko ledatha ukuba komnye unyaka, ngoko yonke iibhonasi zakho uzero.

MSC kunye iklasi ka-inshorensi

Xa kufikwa kumqhubi malunga MSC, arhente inshorensi sebenzisa kwenkcazo 'iklasi insured. " Apha ngezantsi kukho amaxabiso MSC kunye udidi zeinshorensi ukuba abaqhubi abo uqulunqa umgaqo-nkqubo kwixesha lokuqala (ezi amaxabiso kufuneka kuthathwe njengendawo yokuqala kucazululo theyibhile ingezantsi):

• MSC - 1.
• 3 - class inshorensi.

Masithi, kangangonyaka, awuzange wabandakanyeka kwingozi, ukuze kunyaka lokuqhuba ingozi-free, uya kufumana unciphiso lamanqaku 0.5.

Umzekelo, wena mqhubi abo basandula kuqalisa kuyilo-nkqubo okokuqala ukuba wabelwe insurer Class 3, ongqamana uchatha-malus 1 (okunene aluchaphazeli iindleko esisiseko ye-inshorensi). Kulo nyaka wesibini lokuqhuba umqhubi waba iqela le ngozi. inshorensi Class iya kunyothulwa nakowesibini, kwaye ixabiso le nkqubo iya kukhula nge-40%, okt ratio-1.4.

Kuxhomekeke ekubeni ngexesha elandelayo inshorensi yomqhubi iya kuba ingozi-ezamahala lokuqhuba, yena uyakwazi ukufumana iklasi yakhe yesithathu kunye neendleko kwalo mgaqo-nkqubo uye lifinyele.

iimeko MTPL MSC kukhula phantsi ntoni?

Khawube nomfanekiso-ngqondweni ukuba kwiminyaka embalwa wahamba endleleni, angenzi ingozi, ukuze wayiqokelela isaphulelo. Noko ke, kulo nyaka ube lilungu yengozi kwaye ngenxa yoko kulahlekwa yiyo yonke yakho amandla-ups. Loo iziphumo kuba xa wonzakele kwingozi uya kuqhagamshelana inkampani yakho ye-inshorensi kwaye uza kufuna imbuyekezo. Kodwa! Ukuba kunye amaxhoba isigqibo ukukhupha ngoko nangoko, lo izaphulelo ziye basindiswe.

Kwakhona khumbula ukuba isaphulelo eso azithathelwa ngqalelo kwabo abemi ababhalisiweyo kwelinye ilizwe. Phakathi kwezinye izinto, nto kuthathelwa ingqalelo xa ezirhuqwayo inshorensi.

Njani na iindleko mgaqo-nkqubo, ukuba kukunika abaqhubi ezimbalwa?

Ukuba ipolisi MTPL laqalisa abaqhubi eziliqela ekumiseni ixabiso layo kuthathelwa ingqalelo kakhulu bonus-malus.

Umzekelo, kwi-nkqubo kathathu. Ababini abaqhubi oko 0.8, kwaye eyesithathu - 0.9. Umgaqo uya yakhelwe nge 0.9 isaphulelo siya kuba-10% kuphela. Ukuba kulo nyaka omnye umqhubi enze iingozi zendlela, ixabiso lomlingani uya kwandisa kuphela umqhubi sobubi, kwaye isalathisi esisashiyekileyo siya yehle ngo-5%.

CTP iindleko-nkqubo kuxhomekeke kakhulu umgangatho yokukhwela, ne isalathisi engundoqo esemgangathweni i bhonasi-malus. Ngoko ke, ekuphenduleni umbuzo othi "KBM - oko kukuthi," kufuneka kuthiwe ukuba lo ngumfanekiso ezingqinisisekayo nezakhono zokuqhuba kwabantu. Gcina imithetho yezendlela, ngenxa yoko, inomlingani ephantsi, kunye nezaphulelo ngoko enkulu mvumelwano inshorensi.

Abanye abaqhubi ziya kuqinisekiswa CTP iinyanga 6-9. Xa kubalwa iindleko kwekhontrakthi kuthathwa ukuba ukubala bonus-malus enye. Xa ukwandiswa nkqubo we ngokwexabiso lwexesha igcinwa kungakhathaliseki inkampani, apho uyilo nkqubo.

iimeko ezisisiseko ukuba ukusetyenziswa MSC

Ngoko ke, lo MSC - yintoni na? Njani zibalwa kwiimeko ezahlukeneyo?

imigaqo-CTP zahlulwe ngeentlobo ezimbini, nganye eneyazo uneempawu zawo.

1. A olunemida ethile inshorensi. Xa olu hlobo ukhuseleko osemqoka ukuba izithintelo ezibekwe kwenani abaqhubi anelungelo lokusebenzisa le moto. MSC iya kubalwa ukuba umqhubi ngamnye ngokwahlukeneyo.
2. uhlobo Unlimited ye-inshorensi. Phantsi kwezi meko, isixa abaqhubi inshorensi abanelungelo ukuqhuba imoto, mda. Iklasi ka-zeinshorensi kunye nexabiso Bonus-Malus achazwa kuphela umnini imoto kunye nemeko ukuba isivumelwano ophelileyo zohlobo olufanayo, ie, unlimited. Ukuba bafunyaniswa betshintsha idatha yoqobo kwi umqhubi kunye imoto, ngoko xa kubalwa iindleko inkqubo ziya kuthathelwa ingqalelo ixabiso MSC CTP ilingana no-1.

Nangona kunjalo, kukho imithetho esebenza zombini nezivumelwano:

• Ukuba ulwenze isivumelwano nenkampani kwangaphambili, ngenxa kwakho, isehla ixabiso le mvumelwano iya kuba nafuthe ubude bexesha uphazamiseka. Oku kuchazwe yi kukuba ixesha isivumelwano ngunyaka omnye, ngoko ke MSC ibalwa ngenxa yezi meko. Zonke iziganeko inshorensi ezenzeka ngexesha esingaphantsi konyaka, alisayi kuwathathela ngqalelo iibhonasi. Xa kubalwa uya amaxabiso okuza, esebenze ngexesha lesivumelwano sangaphambili.
• Esinye isiganeko benefits - inkokhelo inshorensi. Ibhonasi-malus ukungavumelani kwe intlawulo nganye kuqwalaselwa ngokwahlukeneyo, kungakhathaliseki ukuba abantu abaninzi bafumana intlawulo inshorensi.

Xa kunjalo, i-MSC angandiswa?

Ukuba umqhubi idweliswe nkqubo eziliqela, enye apho unembali "embi", ixabiso lomlingani lungandiswa. Ukongeza koku, ukwanda kwi MSC nga kuchaphazela ukufunyanwa lwetyala lobuxoki nkqubo MTPL.

Ixabiso bonus-malus kuba polisi ngamnye kwisiseko Russian Union of Auto nabaKhuseli Information (SAR), okanye inkampani apho unaso isivumelwano se-inshorensi. Ukuze ufumanise ukuba yeyiphi na MSC lakho ngokusekelwe kwi PCA, kufuneka uqhagamshelane kwinkampani ye-inshorensi apho umgaqo ebhalisiweyo.

Indlela MSC ingacuthwa?

Kokubala iindleko nkqubo inshorensi CTP maxa icebo elula - ixabiso isiseko i amkelwe, uliphindaphinda MSC. Ukunciphisa ukungavumelani kwe bonus-malus, kufuneka zilandele ngqo le migaqo ilandelayo elula:

1. Qaphela endleleni, uqhuba ngaphandle yemoto.
2. Ukuba negalelo MTPL abaqhubi nkqubo ukuba ikhwele lam bafanelwe ithemba lakho, ukuba babe namava ezintle ukuqhuba kwaye uqinisekile lobungcali lwabo.

Kufuneka wenze ntoni xa ungaqinisekanga ukuchaneka ekubaleni MSC?

Kufuneka kuqala ukungena kwimvumelwano-inshorensi kunye MSC, enika insurer ngawe, kodwa ukuba imibuzo. Khangela kwi ngokwesiseko MSC abayi ixesha elininzi.

Ngoko ke kufuneka ukuba isicelo Union of nabaKhuseli kunye isikhalazo malunga nokuzimisela ngokungekho mthethweni le MSC. Ukuze wenze oku, kufuneka ulungiselele iqela amaxwebhu:

• Statement.
• Iikopi mvume lokuqhuba, wona maziko adweliswe kule nkqubo.
• Ikopi yesivumelwano yangaphambili yeinshorensi.
• ikopi yangoku kwekhontrakthi inshorensi.

Ukuba ngenxa isikhalazo, udaba lwakho iya kusonjululwa kakuhle, unalo ilungelo lokuba bagqibe imvumelwano entsha inshorensi kunye ukubuyiselwa egqithisileyo.

Ngamafuphi. KBM - yintoni na? Enyanisweni, kuba sisalathisi uqhuba esemgangathweni yabantu, apho iinkampani ze-inshorensi mhlawumbi wenze isaphulelo elungileyo xa usenza nkqubo MTPL (ukuba ngexesha inshorensi, waya ngaphandle yengozi), okanye ngokugqwethekileyo, ukwandisa ixabiso le-inshorensi (ingozi ukuba wena). Kakade ke, kuya kuba nenzuzo kakhulu inshorensi imoto umqhubi onamava kunye ukukhwela inkathazo-free.

Qaphela ukuba le ratio azifani ukuba imoto kunye umqhubi kwaye zigcinwa kwi-SAR kulo nyaka. MSC esinokusifunda inshorensi kubani bazobe isivumelwano.