MTPL inshorensi ngaphandle inshorensi ezongezelelweyo

nkqubo MTPL kufuneka ifumaneke kubo bonke abaqhubi fail. Kodwa ukuze oko, kunzima kakhulu. Ezi foram kuvela izikhalazo umsebenzisi ngemihla malunga insurer. Akutsha nje ukwala ukuthengisa lo mgaqo-nkqubo, becaphula ukunqongophala iifomu, uze ucele ukuba ikhuphe nayiphi na inkonzo. Kodwa nabahloli bathi akukho iingxaki kunye namaxwebhu kukho mathidala ukungena kwizivumelwano mthethweni. Ngoko ke, ukuba amalungiselelo njani yaye phi MTPL ngaphandle inshorensi ezongezelelweyo?

isimo

Ukususela ngo-2003, iRashiya kwavalwa ngemoto ngaphandle inshorensi CTP. Isohlwayo sokwaphula imithetho - 800 engange. Kuba iingxaki ixesha elide ne-inshorensi imoto wayengekho. Emva umnxeba yefowuni arhente ukulungele ukuhamba kuyo nayiphi na indawo apha esixekweni. Kodwa unyaka ngoku, le meko itshintshe. Iinkampani baqala angala ukukhupha MTPL, becaphula ukunqongophala iifom, okanye lokulinda kumngcelele elide. Nangona iingxaki aze ngaphambili. Federal Antimonopoly Service, iNkonzo Federal, RSA kunye nabanye oorhulumente beenqila baqalisa uphicotho lombutho, kodwa akukho ziphumo. inshorensi MTPL ngaphandle inshorensi yobomi okanye ezinye iinkonzo waphantse babulawa. Abaqhubi kuya kufuneka ukuba uhlawule i-nkqubo okanye amawaka ambalwa, okanye ubhale ingxelo elilahla nkonzo kwaye yilindele impendulo okwelinye iintsuku ezingama-30. Uninzi ekhethiweyo ukhetho lokuqala. Xa iinkampani ze-inshorensi (IC) ukuzoba i amaxwebhu ngaphandle iinkonzo ezongezelelweyo, imingcelele ye ezimbalwa neshumi elinesibini abantu ngosuku. Kwaye ukuthenga umgaqo "ezihlambulukileyo" kunokwenzeka kuphela kwi-ofisi, kunokuba esebenzisa arhente. Kodwa iingcali zithi ukuba zikhona ezinye iindlela zokuphuma meko.

iindleko

Kuxhomekeka kummandla kunye UK "olunyulu" CTP liya kuxabisa 4-6 amawaka. Hlikihla. Plus iisevisi ezongezelelweyo. Kufuneka kukhunjulwe ukuba abemi yeendawo zasemaphandleni ezininzi kwiidolophu ezincinane sebenzisa zilinganiso eziphezulu. Ngoko ke, ixabiso le nkqubo ibe ukuya ku-10 amawaka. Thambisani. Le meko evumelana ngokude hayi zonke abaqhubi. Kubonakala ukuba uqhuba ngaphandle inshorensi MTPL bahlawuliswe nethala. Kodwa kwakhona umgaqo-nkqubo likhule ixabiso ngokuphindwe 2-3. Kufuneka wenze ntoni kule meko?

Ukuvuselela inkqubo in advance

Iingcali ukucebisa abanini imoto ukuba uqhagamshelane iinkampani ze-inshorensi (IC) zingaphelanga iinyanga 2-3 phambi kokuphela imvumelwano yangaphambili. Ngokutsho Art. 445 of the Code Civil, umbutho unyanzelekile ukuba likhuphe uxwebhu kwisithuba seentsuku ezingama-30 emva kokufumana isicelo. Izilungiso ukuthintela iinkampani lokwala inkonzo ngaphandle sizathu esihle. Ukuba oku kuyenzeka, kufuneka ukuba ubhale ingxelo kwi-ofisi enkulu isicelo ukukhupha MTPL ngaphandle inshorensi olongezelelweyo. Ukuba emva kweentsuku 3-5 impendulo akezi, ungaya enkundleni. Kodwa oku njengenyathelo kakhulu.

i algorithm

Khetha inkampani yeinshorensi. Jonga kwi isiza kwi-Intanethi, ngaba i-ofisi ummeli kwisixeko sakho. Le ngxelo iya ngeposi, kodwa lo mgaqo-nkqubo kuya kufuneka uye kwi-ofisi.

Lungisa i iphakheji amaxwebhu:

• idatha yobhaliso lwezithuthi (TS).
• Ingxelo in duplicate. Isampulu iyafumaneka kwiwebhusayithi inkampani.
• iphepha-mvume lokuqhuba.
• IKhadi sokuhlola. Inokubuyiselwa zicwangciswe umasifundisane okanye le ngqo e-UK, kodwa imali kabini.
• Olu xwebhu esiqinisekisa uMntu oKhuselwe ngeInshorensi, okanye isatifiketi sobhaliso imo amaqumrhu asemthethweni (ukuba isicelo senziwe kwi-ofisi).

Ezi iphepha uluhlu kufuneka zithunyelwe kwinkampani ngeleta ebhalisiweyo kunye yokuvuma ukuba uyifumene kwaye yilindele impendulo enye ngenyanga. Ngokuqhelekileyo isiphumo eza kuqala. Icountdown iqala ukususela kumhla wokufunyanwa kwesaziso delivery phasela.

Unako ngokobuqu uye UK kunye ubhale isicelo sobhaliso CTP ngaphandle inshorensi olongezelelweyo. Kodwa kuya kuthatha ixesha kwaye luvo. Ukongeza, kufuneka ujonge ukuba kwingxelo babeka inani, umhla kunye nomsayino womntu onoxanduva ngestampu.

Le ncwadi iza ngeposi, kungenzeka ukuba saliwe ngenxa yaso nasiphi na isizathu, etsomo, kwaye isindululo ukubiza i-ofisi kwaye ufumanise zonke iinkcukacha kwi ndawo. abasebenzi yesebe CTP "ezihlambulukileyo" kucetyiswa ukuba uqhagamshelane inyanga. Nakuba kunjalo, isicelo sakho kufuneka sele makarekhodwe kwiziko ledatha. Ukuqinisekisa amazwi akhe, bamba isaziso esivela eposini kunye impendulo kwi-ofisi elikomkhulu UK. Kwenzeka ntoni emva koko kuxhomekeke kwindlela iziganeko ziya kwenzeka. Mhlawumbi abasebenzi baya kucelwa ukuba kudlula zihlolwe phambi kokuba ipolisi bhala. Ngokomthetho, bona abanalo ilungelo. Umxhamli kuya kumisela ixesha nendawo yentlanganiso. Kubalulekile ukuba la manyathelo zarekhodwa kwi iphepha ngohlobo incwadi esemthethweni yesimemo. Okulandelayo, kufuneka kufika ngexesha elimisiweyo nendawo. Kungenzeka, umthengi ziya kukhutshwa ngoko nangoko inshorensi MTPL ngaphandle ngeenkonzo ezongezelelweyo. Intlawulo sibalwa ngamnye ngesithuthi ngasinye, kodwa ngokubanzi 3-4 amawaka. Thambisani. uyakwazi ukuhlangabezana.

abaqhubi Tips

Abo abafuni ukuchitha iinyanga kwi wokubhala, "abahlobo kwi yelishwa," ucebisa usebenzisa ukhetho ngokugqithiseleyo ngakumbi. Kutyelelo lakhe UK, "Msweli ziquka" ofisi. Ngesiphakamiso ukuba akhuphe ezinye 2-3 ukwamkela lo mgaqo-nkqubo. imvumelwano nganye kuphothulwe zaza zasayinwa sele ngokwahlukeneyo. Kwaye kufuneka ukuba uhlawule kuphela emva kokuba ubhaliso izibambiso. Ngoko ke, xa umqeshwa uya kunika umyalelo yentlawulo a, basayine iphepha kuphela "avtograzhdanki." I-inshorensi uya kwala ubomi. Ekubeni xwebhu kukhutshwa, umyalelo yentlawulo kuqinisekiswe ize ihlawulwe, ngoko angala ukukhupha inshorensi MTPL ngaphandle abasebenzi abongezelelweyo yenkampani awavumelekanga. Bekuya kuba ephule umthetho. Kodwa kwenzeka nje kule nkqubo yonke makarekhodwe odiyo okanye ividiyo.

Iinkcukacha ezingaphezulu malunga izibalo

Nokuba uyakwazi ukufikelela ngaphandle arhente inshorensi ubhaliso MTPL eyongeziweyo ukwandisa izinga yi into. Zonke ezi manani akwenzeki ukutshekisha. Ke kaloku omnye wabo nangoku iSADC ukubala. Eli nani i "ibhonasi-malus" kuba lokuqhuba inkathazo-free. Ukuba umthengi rhoqo liqulunqa umgaqo-nkqubo kwi-IC enye, yaye akazange isicelo imbuyekezo, ngoko ke ngokwe ncazo eyingcingane kufuneka kuhlawuliswa off. Ukuziqhelisa, asizizo zonke iinkampani ukusebenzisa le ratio okanye ukubeka olingana "1". ukubalwa ilungile, ungakwazi ukukhangela nge-Internet. Ukwenza oku kwi website "KASKOmetr" kufuneka sazi iklasi ka-MSC, uze ubale umlinganiselo i "ibhonasi-malus".

inshorensi yokuhamba

Iimeko ebomini ezahlukeneyo. Amaxesha amaninzi, abaqhubi ukuthenga iimoto kwezinye iindawo, uze ukuthutha ukuba kowabo. Kodwa ukuba isithuthi kuthengwa, nokucinywa, okusemthethweni zobhaliso (ingxingwa TO kwaye ufumane i-nkqubo) ziintsuku ezili-10. Okokuqala, igama elithi elifutshane. Okwesibini, abantu abafuni ukutshintsha i-UK. Unakho, Kakade ke, kumngcipheko wakho ngcembe ukuya idolophu. Kodwa ke ngaxeshanye kufuneka uzilungiselele ukuhlawula isohlwayo. Kwakuyingozi ukuqhuba ngaphandle inshorensi CTP ekuqaleni kuba kunye nenombolo yobhaliso imo yemoto shot. sisindiswe yayilingana okuninzi ekwenziweni komgaqo-nkqubo. Utshintsho mthetho, oqale ukusebenza kunyaka ophelileyo, owakubhangisayo okunene isigwebo sentambo naqhama isohlwayo ukusuka engange 500 ukuya 800.

eyenzelwe ngokukodwa Kwiimeko ezinjalo i-inshorensi yethutyana MTPL ngaphandle lokuhlolwa. Esebenza iintsuku 20 neendleko malunga 500-1000 engange. Eli xesha kwanele ukuya kwidolophu yakowabo uthabathe amaxwebhu yobhaliso yesiqhelo.

Ukuqhuba ngaphandle inshorensi MTPL

Ngokutsho manani, eRashiya umqhubi wesihlanu ngamnye akuthethi uzobe "avtograzhdanki" okanye ukulibala ukuba Ungalihlaziya iphepha-mvume lakho. Ngenxa yoko, abemi umthetho zintlungu. Ukuba uneengxaki sembuyekezo kufuneka ulinde iinyanga ezimbalwa. Kodwa amagqwetha sicebisa indlela uyakwazi ukukhawulezisa inkqubo yokufumana intlawulo, ukuba onoxanduva ingozi ngaphandle inshorensi CTP.

Okokuqala kufuneka uqinisekise ukuba akukho mgaqo-nkqubo ibhalwe kwisiqinisekiso kuloo ndawo. Kufuneka kwakhona ucacise idilesi yokuhlala kunye yokuhlala ingozi nje kuphela. Fumana ulwazi amapolisa ezendlela, abo benze imibuzo. Ngaphandle kwale datha, thumela isamana iya kuba nzima kunene. Kananjalo kuya kufuneka ukuba ufumane ingxelo ngokutsha oluzimeleyo. Desirably, inkqubo ekhoyo apho ingozi ngumtyholwa.

Ngoko ke ibango yaphambi kwetyala wenziwe, apho osayina indlela, iimeko ngozi, ubonise isixa lomonakalo. Kweli nani, ukongeza kuvavanyo, ungaquka iindleko ngobungxamo kwabaviwa nokugcinwa iimoto, ubuchule kunye umonakalo yokuziphatha.

Njengoko umthetho, esemva kwaleyo yokulungiselela wephepha umenzi wobubi uyavuma ukuba imbuyekezo zonke iindleko ngokupheleleyo kwaye hayi ukuba ityala enkundleni. Kungenjalo, uya kufuneka kwakhona ahlawule iindleko zomthetho kunye iinkonzo igqwetha. inshorensi MTPL ngaphandle inshorensi yobomi zitshiphu iindleko zenkundla. Ngoko ke kungcono ukuba achithe ixesha kuyilo nkqubo kunokuba ukuvala zonke iindleko ngenxa iingozi ezindleleni.

DSAGO njengendlela yokuphuma imeko

motor Voluntary wesithathu liability insurance ngaba ngokwenene ukunceda le ndoda ingozi. Kodwa ngaphambi kokuba uthenge-nkqubo, kuyimfuneko ukuhlola ingcinga ephilileyo amathuba okuba nasiphi na imeko elinikiweyo.

I-avareji yokudlala kweyona CTP 15 lamawaka. Thambisani. iingozi zendlela enzulu zinqabile. Abaqhubi abanamava masaneliswe. Iingcali bacebisa ukuthengwa DSAGO kuphela kwabasaqalayo. Njengoko inkonzo eyongezelelweyo ukuba lo mgaqo-nkqubo ocetywayo:

• intlawulo imbuyekezo, ngaphandle wear and tear;
• Emergency Services uMkomishinala (ku umkhuba, uya ekuvele kuyo ingozi kunqabile kakhulu);
• Free zishiye isithuthi, ukuba luyalelwa UK;
• inkxaso esemthethweni (kuphela theory).

Ezi nkonzo ezongezelelweyo okunene kunqabile bwakwe. ixabiso Policy isusela 0.2-0.3% yemali kusalekwa. Oku kubalwa ngendlela efanayo njengoko CTP.

Akukho namnye umxhasi akayithandi xa ebekwe wayengenamdla iinkonzo zakhe. Kodwa UK simo yaso izinto ezithandwayo. Kwaye ukuba abanye babo kulo mmandla kuba azincedi lutho, i-arhente kakubi intembeko abathengi, zama ukubeka kuyo. Nangona lo mthetho akuvumelekanga, kwaye uya kuba nelungelo lokwala ubhaliso inshorensi eyandisiweyo, ukuba ngaba akufuneki.

njani enye uthenga CTP "ezihlambulukileyo"?

Ukuba ukumamela ukuzithethelela njengabagunyaziswa ukungabikho iifom okanye i data kwisiseko sedata kwemoto nga kucelwa ukuba ubhale nokukhanyela esemthethweni lweenkonzo yobhaliso. Eli phepha, Kakade ke, akukho mntu uya kubanika. Kodwa insurer ungafuna ukwenza ngokukhawuleza balahle kuni. Mhlawumbi ke uyavuma ukuba akhuphe inshorensi MTPL ngaphandle inshorensi olongezelelweyo.

Kananjalo kubalulekile ukuba uyandiqhatha ezimanyelwayo neevidiyo ezirekhodiweyo ngexesha incoko kunye nabasebenzi yenkampani. Ngoko ke kunokwenzeka ukuba ukuqokelela ubungqina bokuba liya kuthi ke ngoko kusetyenziswe enkundleni.

Akukho nanye kwezi ndlela ngeke kwaqinisekisa iziphumo-100%. Ukuba UK Ikakhulu akafuni ukusebenzisana nawe, kufuneka uye emapoliseni, SAR, okanye iKomiti Anti-weMonopoly.

kumangala

Okungenani kuya kufuneka liyiqwalasele yonke imiba ngokusebenzisa iinkundla. Hi ndlela leyi, abathengi iimeko ezinjalo amaninzi liyaphumelela. Art. 445 of the Code Civil ubonelela ukuba UK linyanzelekile ukuba aqukumbele isivumelwano umthengi ilayisenisi neefom. A ecaleni kuzo naziphi na izizathu ceba abohlwaywa ngamandla (Art. 15 CAO). Ukongeza, i-inshorensi inokuba kuchophela nokunyanzelisa basayine imvumelwano. Enye into kukuba ukuchitha ixesha kunye nemali kwi kwiinkqubo zenkundla akuyi ufuna umntu ngamnye. Phantsi imithetho ezintsha zomthetho kwi-UK ziya lohlwaywe mali ka-50 amawaka. Thambisani., Ukuba kuthe kwaba ukwala ukuba aqukumbele isivumelwano okanye kukumiselwa ngeenkonzo ezongezelelweyo. Lo msebenzi yesibini kulula kunesiqalo.

izincomo

Ingxaki kukuba "avtograzhdanki" abaqhubi kufuneka kuphela ukuba ukuthobela imimiselo zomthetho. Kodwa inshorensi MTPL ngaphandle ziinkampani ze-inshorensi ezongezelelweyo kuzisa kuphela ilahleko. Ngenxa yesi sizathu, kwaye kukho ungquzulwano.

Ukuze uphephe kwisimangalo, bezolile achaze imo yawo kumphathi ziyazi ukuba ukulungele ukuya ekupheleni. Kule advance kufuneka Ungakhathazeki malunga nokuqokelela ubungqina. Mhlawumbi ufumane arhente esinengqondo okanye umphathi esebe uyavuma ukuba likhuphe CTP "ezihlambulukileyo" hayi "yokugquma" ezongezelelweyo kunye neentlanganiso transfer.

emazantsi

Bandakanya inkampani design MTPL ulindele okuhle iinyanga ezimbalwa ngaphambi kokuphela-nkqubo wangaphambili. On prosizhivanie in Ufolo @UnathiKondile iifomu, ukuhlolwa kunye njalo njalo. N. Kuya kuthatha iinyanga ezi-3 ubuncinane.

Musa kugxila kwinkampani enye. Khalisa up iinkampani ezininzi kwaye ufumane iimeko zokhuseleko ilungileyo. Ukuba arhente athi imfuneko yokuba - uyavuma. Chithani imali uhlolo yoluntu akukho ngqiqo. Esi sigqibo ye-inshorensi aziyi kwamkelwa.

Kwimibutho ezisezingeni yokwamkela phezu kwirekhodi. Ngoko ke, ngaphambi kokuba imini "X" kufuneka usenze up inkampani ekhethiweyo. Qinisekisa ukuba ixabiso le nkqubo ayikatshintshi, uze wenze ixesha lula kwi-ofisi 3-4. Nokuba bobabini "ndinyothule", ukuba sincinwa aya kuba sisahlulo sesithathu.

Kuqala kwinto zonke, nceda uqhagamshelane UK, apho sele ukhutshiwe lo isivumelwano sangaphambili. Kukho amathuba amancinci ukuba balahle emgceni bengasebenzi.

Ukuba umba MTPL inshorensi engasekho kwisazela njengomgaqo, kuzo zonke iintlanganiso kunye incoko kunye nabasebenzi nkampani kufuneka zimiliselwe efowunini okanye isishicileli ilizwi. Kamva, ezi ngxelo kuya kusinceda enkundleni. Ukuthatha video abaqeshwa abangenalungelo. Kwaye ukuba uqale asongele ukubiza amapolisa, kufuneka ufumane phambi wena uze ubize 112. Xa sifika, umsebenzi amapolisa kwesebe uya kuvingcwa.