Ngaba kwimeko inshorensi MTPL MSC? Yintoni inshorensi MSC?

Kunye novuyo bathenge imoto uze ziimbopheleleko neethagethi ezintsha. Ngokukodwa, imfuneko inshorensi motor liability iqela lesithathu. Wonke umntu uyazi ukuba ngozi ubuyisela yinkampani kwabathengisa nkqubo. Umbuzo ophakamayo, ukuba kukho iindleko noko ixhomekeke.

Enye yeendima eziphambili ze-inshorensi ke MSC. Hayi kudala kwakukho inkcazelo ethe yarhoxiswa phantsi Rosgosstrakh. Yinyaniso le? Esiza kuxubusha ngayo kweli nqaku.

KBM: zokucazulula elide

KBM - into efihliweyo emva basisishunqulelo? Oku kubizwa ngokuba yi-bonus-malus lomlingani, leyo ixhomekeke ubude umqhubi kunye nenani kwiingozi zendlela kwenzeka kuye. Lo mmiselo ke ukuba umntu ukuze kubonakale ononyawo. Noko ke, injongo yayo kukukhuthaza abaqhubi ukuqhuba ngenyameko. Ngapha koko, ngaphandle iingozi kunye nokulungiswa akukho mfuneko yokuba ahlawule nabani. Kwaye ngaphandle kokulahleka mandincedeke kwinkampani ye-inshorensi iya kwandisa kuphela.

Ukuze siqonde ngcono intsingiselo MSC - oko kubonisa olu khetho, ucinga ngayo ngokwaneleyo kwi ibinzana elithi "ibhonasi-malus". Sithetha malunga umvuzo, leyo ithembele ukuqhuba ngaphandle neengozi. I-CTP i bonus eyi-5% ngonyaka ngamnye uqhuba ingozi-free.

Kodwa ke umbuzo ophakamayo ekutolikeni ingqikelelo MSC ngakumbi: yintoni i "malus '? Ukuba umnini-nkqubo MTPL ufumana emotweni yakhe ingozi, nto leyo ngumtyholwa, lo isaphulelo luyapheliswa okanye lincitshiswe. Kodwa ukuba ingozi ibingasililo ityala lakho, kuya kuchaphazela iindleko inshorensi kunyaka ozayo. Le meko igcinwa naxa ingozi ukwenza ngaphandle inxaxheba endlela.

Isizathu sokuba kule etyaleni akalulandeli ukutshintsha ixabiso, kulula kakhulu - inshorensi CTP iluxanduva, kungekhona umatshini. Kwaye, kakade, kuphela loo mntu unetyala.

Ukuba utshintsha inkampani ukuba MSC uyatshintsha?

In MTPL intlawulo-inshorensi - kwakungelula. Sithabathela ingqalelo imbali inshorensi epheleleyo yomqhubi. Cinga nje ezimbalwa iinketho eqhelekileyo, njengoko ubona inombolo yakho.

1. Kwinkonzo kwenye kwaye enye idatha inkampani yeinshorensi igcinwe kwiziko ledatha lwangaphakathi. Ngoko xa sukuba usenza arhente omtsha nkqubo ujonga kuyo waza wavakalisa iindleko lokugqibela.
2. Ukuba umnini imoto ufuna ukutshintsha kwinkampani ye-inshorensi, ukwenzela ukugcina izaphulelo, kufuneka angenise isatifiketi kuloo nkampani, apho yena amkelekileyo eqinisekisa ngaphambili.
3. Kodwa kwanokuba akukho uncedo, kukho ledatha ezenzekelayo mqhubi SAR, leyo igcina ulwazi malunga bonke abemi abathe bafumana nkqubo. Kunjalo, kungcono ukulawula buqu inkqubo, kuba yenzeka ukuba data UK nabangakhange okanye nakuphi na ukusilela kwinkqubo.
4. Phezu websites ezisemthethweni ezinye iinkampani ze-inshorensi banikwa inkonzo ekhethekileyo evumela ukubala MSC kwi-inshorensi MTPL. Yinkonzo "Online Calculator". Umqhubi bahlola ngokususela Russian Union of nabaKhuseli.
5. Kwakhona kuyenzeka ukuba abanye SC MSC emiselweyo kule nkqubo. Siyaliphicotha ngobunono: akukho amagama phambi yomqhubi, okanye kwi "amanqaku ezizodwa 'into. Noko ke, ngenxa yokuba le nkcazelo mfuneko lingaveli kule nkqubo, oko sizibhale kungeyonto ayenza rhoqo.
6. Zama ukuba zifonele inkampani ye-inshorensi ngokusebenzisa inombolo yomnxeba kwi isitampu kumgaqo-nkqubo we-inshorensi. Buza ukuba isebe CTP kwaye bathi bafuna ukuhlaziya isivumelwano, ngoko ufuna simazi kakuhle eklasini yakhe kunyaka olandelayo.

Njani na ukubala?

Eku sunguleni, lo MSC xa inshorensi ebotshelelwe kwisithuthi ethile. Ngoko ke, xa wathengisa imoto enye, zonke ibhonasi zifakwa kwakhona. Loo ndlela ngokucacileyo ungakhululekanga kunye lutho. Ngoko ke, ekufumanekeni kokusilela yenkqubo yayo zitshintshile, yaye MSC wazihlanganisa loo mntu, hayi imoto.

Iimpawu MSC inshorensi - na iiklasi-15, ogama amanani aqala ku 2,45 ukuya kwi-0.5. Umxhamli, ubuyeleyo kwinkampani ye-inshorensi ukuba okwesihlandlo sokuqala, wafumana kwibanga lesithathu kwaye iindleko eqhelekileyo.

Qho ngonyaka, xa umqhubi edale ingozi leyo zange yenzeke, le MSC lifinyele. Oko kukuthi, ngonyaka ozayo kwi-5% eklasini isaphulelo iya kuba 4. Nangona kunjalo, kwimeko yengozi ngenxa asilotyala umnini yeklasi CTP ke ekugqibeleni lifinyele, kwaye indleko inshorensi uya kuvuka. Ubalo zenziwa phezu kwetafile MSC okhethekileyo.

Ukuba ipolisi - abanye abaqhubi, ekubaleni MSC ubuninzi omnye wabo. Ukuba luquka ukusetyenziswa imoto, ngaphandle kwesithintelo, ukubala isekelwe zingaphi iintlawulo zenziwa ngexesha umgaqo-nkqubo wangaphambili.

Ingeyiyo nyaniso

Ukwenza CTP, i-arhente cela iingozi ezininzi ngayo. Kakade ke, inkqubo automated - oku kuhle kakhulu, kodwa zonke IC efanayo ngokuqhelekileyo ukhetha ukudlala ekhuselekileyo.

Ngokutsho imithetho motor enyanzelekileyo inshorensi TPL akanako ukunika inkcazelo ebubuxoki. Ukuba kuvela ukuba ikhontrakthi enyanzelekileyo inshorensi iya kuqwalaselwa mthethweni, waza wachitha imali awusayi kukunika up. Hayi nxi ilungileyo elindele abo bebabaza ujika emva kwengozi. Ke isivumelwano yapheliswa yinkundla, kwaye intlawulo kuya kufuneka ukuba ukubuyekeza umntu. Kwaye loo nto bonke. Ixesha elizayo umqhubi uya kukha i-inshorensi, ixabiso kuba iza kukhula ngesiqingatha, oko kukuthi, i-MSC ivuke 1.5. Ngoko ke kungcono singaze akhohlise i-UK kwi ukusayinwa CTP.

MSC = 1

Kuyenzeka ukuba MSC mnye. Oku kwenzeka kwezi meko zilandelayo:

1. Xa isithuthi inshorensi, abo ngeye basemzini (iimoto ezinjalo eRussia ngokuqhelekileyo okwethutyana).
2. Xa eqinisekisa ezirhuqwayo.
3. Kwi-inshorensi ixesha kakhulu elifutshane.

Overestimation kweendleko inshorensi

Ngamanye amaxesha zama ukuphamba umdlali yakho abanini imoto kwezinto nje kuphela, kodwa bona ngokwabo SK. Sithetha malunga neendleko eziphezulu ngokungathethekiyo-nkqubo.

Amaninzi ke efihlakeleyo olulula MSC. yokubala Standard zingafundiswa nangona Ukufudumala, kodwa hayi abawazi kwimibandela inshorensi kumqhubi.

Oko kukuthi, kuvela ukuba ubukhulu elinye MSC-inshorensi okokuqala uhlala efanayo ukusuka komnye unyaka ukuya komnye. Kwaye oko kuchaphazela kakubi isixa-inshorensi.

Enye indlela ezisetyenziswayo yi-arhente - lo kwanyanzeliswa inshorensi olongezelelweyo. Ngoko, iindleko nako ukwandisa kakhulu. Amaxesha amaninzi ulawulo ufuna abaqeshwa abo bazama ukuthengisa abathengi inshorensi akaloncedo.

Kakade ke, ukuze baphendule izinto ezinjalo kufuneka sizimisele. isicelo wokuqala ukukhupha umgaqo ngaphandle iziphakamiso ezingeyomfuneko, ukuba oko akuphumeleli, ngoko sibasongela ukuba uya isikhalazo kwabasemagunyeni abafanelekileyo. Kwiimeko ezininzi, isebenza ngendlela ekholisayo.

Kwakhona kuyenzeka ukuba inguqu kwezinye iinkampani, inshorensi wabeka factor umthengi - unit.

Qaphela - ukuba ulahlekelwa MSC yakho, ngoko recovery kuya kuthatha ixesha, kwaye wanyamalala, kunye nezemali.

Indlela yokonga imali?

Ngoko ke, siya ukuqonda indlela yokwenza ukuhlawulela nkqubo ngaphantsi. Nazi izinto ezilandelayo ngokubaluleka:

• ingumlingani Regional. Sithetha umqhubi, ogama esisigxina ukubhaliswa kweli phondo okanye kweli lizwe. Ngokuba kuye, iindleko ze-inshorensi iza kuba ngaphantsi kakhulu kunalowo ombaxa. Abemi abaninzi abaye zihlobo emaphandleni, ukubhalisa isithuthi kubo ukuqhuba imoto kwi ngamandla jikelele ligqwetha.
• Kubhetele ukuba ukungena umgaqo abantu abathile owonithemba isithuthi kunokuba ukuthenga i-inshorensi kunye imvume ukuqhuba imoto ngeenxa zonke. Le ndlela yokugqibela iya kuxabisa uziindleko kakhulu. Ukongeza, kufuneka balujongisise ngenyameko ingaba MSC iza kutshintsha-inshorensi ngaphandle kwemiqathango.
• Ukuba ebusika emva kweevili, akuyi kuhlala phantsi, kuya kuba kuhle ukuba uthenge inshorensi iinyanga ezimbalwa - xa uceba ukusebenzisa isithuthi.

utshintsho olusandukubakho kwi X-ray diffraction

Ukususela ngoDisemba ophelileyo, i-Russian Union of Auto nabaKhuseli iqalise inkqubo entsha ngokusetyenziswa MSC-inshorensi. Yintoni na le utshintsho? I algorithm sikuko ukuba le polisi akavumelani amaxabiso lomlingani efunekayo ukukhangela ixabiso SC e Ais XRD. Kwimeko ukungangqinelani kunye esetyenziswa yi-inshorensi isebenza oko ibonakalisiwe, ingeyiyo eyomthetho. Ngoko ke inani iya kuthathela ingqalelo kuphela kule nkqubo, kodwa kuzo zonke ezilandelayo. Jonga itheyibhile.

Izizathu ezingokomthetho

amaxwebhu olumisiweyo elawula inkqubo MSC:

• on MTPL Act, amanqaku 9, 15.
• CTP imithetho, nemihlathi 20, 35.
• Isisombululo Urhulumente № 739.

Ukongeza, kukho "uqeqesho Isixhobo SAR kwabasebenzi iinkampani ze-inshorensi inombolo 7" eneenkcukacha.

Case ku Rosgosstrakh

kwiminyaka emininzi eyadlulayo kwenye yeenkampani ezinkulu inshorensi - Rosgosstrakh, kanye isigqibo kunye MSC kwi MTPL inshorensi irhoxisiwe. Kwaye kwaba lula ukuba abanganyanisekanga inshorensi indawo - kwezinye iinkampani zazingekho iintlobo ezikhoyo, ngoko abaqhubi kwafuneka ukuthenga kwi-inshorensi Rosgosstrakh neklasi zero.

Ngaphezu koko, kwezinye ii-ofisi kunye wabeka i-inshorensi ezongezelelweyo, kwakunye sicatshulwa sokuhlolwa, nokuba ukuba ikhadi yangoku diagnostic.

Ubulungisa wafuna ngabo ukulwela amalungelo abo; kulo mzekelo, iklasi ka-MSC. Ngaba kufuneka ukuba amangalele? Kuba kwiNkundla, njengokuba usazi, kufuneka ube nesiseko, equka ubungqina ebhaliweyo (kwangaphambili kufuneka ubhale kuyo onke amaxesha ukuze xakufika ngokusesikweni ngencwadi ebhaliweyo), kwakunye namangqina, i-odiyo, ividiyo kunye like. Kodwa ke inkoliso yale mibuzo enokusonjululwa ngaphandle uzisa lo mba enkundleni.

Kakade ke, iinkampani ze-inshorensi azikho kotaka ukuhlawula isaphulelo kutsho kwi-50% Zezembandezelo-free. Ngoko ke, abasebenzi baye namacebo ezahlukeneyo ukuze usethe kuyo. Ukongeza, abanini imoto nga hlawula ngenxa yokulahleka yakhe. Ngapha koko, abanye abantu ayazi noyena malunga ubukho MSC.

Ngoko ke, ukuba imposiso yenzekile MSC yakho zeroed, ngoko ukubuyisela kuthathwe la manyathelo alandelayo:

• ukuba imposiso yenzekile emva esingaphantsi konyaka, thumela incwadi eya PCA ukuba aqhube uhlolo;
• kufuneka sikhatshwe ikopi-mvume lokuqhuba kunye ipolisi endala kunye MSC ezichanekileyo;
• Ukuba impendulo akukho ngaphezu kweenyanga ezimbalwa, kufuneka uqhagamshelane Bank of Russia, apho kuya kufumaneka nge MSC recalculation esebenzayo.

isiphelo

Ukususela nqaku safunda malunga MSC: yintoni basisishunqulelo imela, kukhangelwe ukuba ingaba yintoni zakhe iingxaki uyilo kunye nendlela uzisombulule. "Onibonisileyo - ubizwa forearmed" - kakuhle, kunjalo. Ngaba kwimeko insurance MTPL KBM namhlanje? Of course. Lumka xa yokubeka-inshorensi, musa ukunikezela kwingcinezelo kwaye musa waneliswe akukho mfuneko yakuzihlupha "khetho" ezongezelelweyo, kwaye xa ibhaqe ukugxojwa ekubaleni MSC, umngeni kuyo kwaye kuphunyezwe inkqubo echanekileyo.