How kutenga CTP pasina inishuwarenzi youpenyu?

Recently zvichemo Russian pamusoro makambani kuti kutengesa inishuwarenzi mitemo avtograzhdanki. Tenga CTP pasina inishuwarenzi upenyu kwakaoma zvisingaiti. Uyezve, kuti muna October 2014 Central Bank akachinja mutero, nekuti insurers vachiri kuramba kutengesa mutemo yakachena. Sei kuva mumamiriro ezvinhu akadai?

Musimboti dambudziko

Total muRussia mune mapoka 104 inishuwarenzi kuti marezinesi kutengesa CTP. Ko Ndine inishuwarenzi upenyu panguva kunyoresa kuti basa iri? Pasi mutemo - kwete. Kunyange zvakadaro, kutenga mutemo "mavhiri" hazvibviri. Kakawanda, vashandi vanotaura kushaya siyana. nharo ichi pakarepo kuramba muna PCA: nezvinetso magwaro ari insurer asingadi uye haagoni. Mamwe makambani regai kubuda yakachena mutemo vasina kurangana, zvose huchavapo maviri mitatu. Sezvo nzira kubva ezvinhu, kupa kutenga policies inishuwarenzi dzakawanda pakarepo. The mari yakawedzera 2-2.5 nguva. Izvi hazvirevi zvienderane vokuRussia vakawanda. Nepo vamwe vanobvumirana kuti overpay zvishoma zviuru, kwete kumira mumutsetse yokugamuchira fomu.

chikonzero

Unhinhi pamusoro tys.davat CTP pasina inishuwarenzi youpenyu haana kuonekwa kubva rwebhuruu. Chisarudzo ichi chakaita Nokurasikirwa chakakonzerwa namaneja nokuda kuwedzera mutemo pamusoro mutengi nedziviriro musika inishuwarenzi. Vakawedzera uwandu vasingagutsikani vatengi kudare. The profitability makambani rawa nehasha.

zvabuda zvemari

Maererano Russian Union Insurers, muna 2014, 102 makambani vakaunganidza premiums kuti rokumanikidzirwa gwenya TPL inishuwarenzi mu uwandu 150 mabhiriyoni 292 zviuru. Rubles, inova 11.2% kupfuura muna 2013. Munguva iyoyo kubhadhara vakasvika 88, mabhiriyoni 816 rubles. Rinokosha izvi reDare kuwedzera prices of Central Bank. Saka, kubva 10.01.2014, shoma mutengo CTP inishuwarenzi chezvawanyora 2440 rubles uye kufadza - 2574 rubles. Verengai kubhadhara rakawedzera: .. Nokuti kukuvara pfuma - 400 zviuru rubles kuti kukuvara upenyu uye utano - 500 zviuru rubles ..

The akaoma ezvinhu pamusika

The PCA vanodavira kuti kuwedzera tariffs, akayambuka akaoma mamiriro ezvoupfumi. The kuwedzera paavhareji muripo achaita makambani kusiya pamusika. Vakawanda siya pamwe vysokoubytochnyh munzvimbo yakafanira kune mukuru njodzi. Munzvimbo dzavo kuuya anonyengera insurers. Avtovladltsy kusvikira unonzwa chaizvo, nokuti achagamuchira kubhadhara kubva mari. Asi kana imi Zvibvisike PCA, mugodzoka dismantling mumugwagwa.

Mubhadharo chesungano akapinda mune imwe nguva inishuwarenzi inogona kuitika mune dzimwe. Pakadaro, kambani anoramba mugove. Vanonzi nokuti mabasa, asi kwete somunhu unotiranga. Chaiye musika vechikamu vanomanikidzwa kudzikamisa kufirwa kusauka makambani. Uyezve, chikamu shoma iri akadzokera insurer. Naizvozvo, kutarisira mari mugumisiro, sezvo kusiyana pakati premiums uye kutaura, hazvina kururama.

Zviremera kudivi yeGmail.END_STRONG

The FAS akabatana basa. By pakutanga 2014 sangano vakagamuchira anopfuura 700 Kunyunyutira mapoka 20 kubva 46 kumatunhu munyika, iyo kumanikidza inishuwarenzi youpenyu. CTP chakaomesesa kutenga "Rosgosstrakh" - chikuru mutambi mumusika. Muna Sverdlovsk nharaunda pamusoro kambani chakavhura tsotsi kuongorora zvisizvo chinzvimbo, izvo zvinokanganisa yakanaka iri kuwanda 1-15% of MTPL mari. Muna 2012, nhamba iri vakasvika mabhiriyoni 1,6 rubles.

The FAS zvakare anotungamirira ngavasununguke. All yakanyorerwa rokuongorora kutumwa chiyeuchidzo sei kubata nehanya. Zvikurukuru, mumwe nzira iri sezvinotevera: kana kambani rinoreva kusavapo siyana, unofanira kutumira vakanyorwa tsamba (hapana papera pane mwedzi mumwe mugumo mutemo pamberi) pamwe ziviso iri kupa chikumbiro kusaina chibvumirano chitsva. The insurer arege kuramba.

inotsiva

The IDGC anogona kutenga mutemo CTP inishuwarenzi asina upenyu, asi nomusi ezvinhu kuti yeGmail.END_STRONG ane kopi muridzi motokari pasipoti. Pasi mitemo, zvinotevera zvinyorwa zvinodiwa kuti kunyoresa mutemo:

1. Kushandisa nokuda kwemamiriro kondirakiti.

2. pasipoti (vanhu) kana chitupa mamiriro kunyoresa pamutemo masangano.

3. Driver chokutyaira.

4. TC pasipoti.

5. chirwere Card, izvo zvinoratidza ndima rekushanyirwa.

Mune dzimwe makambani, nokuti vatengi kubva mumugwagwa wakasuduruka mangwanani basa. Zvikurukuru, "RESO-Guarantee" inogona kutengwa CTP pasina upenyu inishuwarenzi, pre amire nokuti pasi-cabinet zuva kupfuura rimwe. Maererano mutengi inofambiswa, mumwe munhu basa kweawa. Maererano nenhamba, nzira iyi kunoda maminitsi 30. nguva Izvi zvokuti kusaina mapepa kuona motokari. Pasi mitemo, mashoko insurer anekodzero kuita. Mumwe mubvunzo ndewokuti pamusoro zvakumbirwa mutengi Ongororo inofanira kuitwa panzvimbo yaaigara. Unogona Zvechokwadi kutenga CTP pasina inishuwarenzi youpenyu uye regai pachavo kupa vane kadhi chirwere. Asi kwete pose pose. Uye zvichaita mari pa 800-900 rubles zvakawanda. Chikuru mumapoka kupendwa kwemwedzi inoverengeka pachine. Kuti mhanyisa muitiro unogona kuva nzira yakafanana - akawanda policies vawana pakarepo.

Sei ndichida inishuwarenzi youpenyu

Roga, chigadzirwa inobatsira chaizvo. Anopa vamwe vimbiso kuti kana tsaona vose mari kurapa uye kuzoita kambani inishuwarenzi utano kuzvitenga. Pano muRussia basa iri chinokuvadzwa yokuzvidira. inishuwarenzi fanira upenyu haisi pamutemo chete yeUnited mutemo panguva CTP. Naizvozvo, vazhinji motokari varidzi anokambira pamutemo zviito makambani aiva mugumisiro. Kuwedzera yakanaka chisarudzo, Dare kuyananisa Court yapa yakaisvonaka pamusoro infringer iri uwandu 50 zviuru. Kuzora. Most sei "Rosgostsrah".

Bank of zvirango

Pakapera May 2015 ari regulator yapa rairambidzwa rezenisi nekanzuru "Rosgosstrakh". Makambani vakarambidza kupinda MTPL chibvumirano chitsva kana kuchinja munazvo. Panyaya iyi, iyo insurer vanofanira kuzadzisa zvavanofanira pasi ambosaina magwaro.

Pasinei nokurambidzwa, mudonzvo aida kuuya kuhofisi kuti kuguma chibvumirano CTP. Physical vanhu vanogona kushanda mutemo zvakananga paIndaneti. Central Bank akatsanangura nokurambidzwa muhombe kutyorwa mitemo yaivapo, kunyanya kuramba mhosva vatengi munhu dhisikaundi nokuda yokumbozorora-kunyange, kuti nokuiswa mamwe mabasa.

Chii hwakazara kushayikwa avtograzhdanki?

The Federal Mutemo "On Rokumanikidzwa" akadaro muridzi motokari mukati memazuva 10 kubva musi rwokutenga kunodiwa kuti inishuwarenzi zvavo vehurumende kuita. Nokuti kutyora ichi izwi inotarisana yakanaka $ 8 zviuru. Rubles. Zviya, CTP mamwe wrap iri isingadhuri. Kunze chokwadi kuti pasina mutemo ikoko chete kutangira motokari COP, saizvozvowo muganhu nyika musawana muchinjikwa. Mune chiitiko petsaona kupikisa zvose Zvinotaurwa vakuru motokari mapurisa (kunyanya panguva kushaya mugwaro kubva mutyairi) Zvakakodzera kuburikidza kumatare. Asi zviri nani kuti varege kutora ngozi uye kuti kudzidza pachine sei kuronga MTPL pasina inishuwarenzi youpenyu.

kudzidza

Tanga kuita mutemo kugadzirwa nyaya haafaniri kuva zuva kana maviri kuguma chibvumirano pamberi, uye kuti vaviri mwedzi. Sezvo tsika zvinoratidza, chisarudzo "kubva nemavhiri" dambudziko achaita mari yakawanda kakawanda zvinodhura.

Unofanira kutanga kunyoresa pasi ari kushanda mashanu matanhatu makambani pakarepo - panguva dzakasiyana. Chokutanga, kureva insurer, iyo vakagamuchira yapfuura negwaro. Pane mukana chiduku nyaya itsva chero okuwedzera markups.

Zvino zvakafanira kuti agadzirire motokari kuona. Kunyange zvazvo, nemurairo, kuurayiwa CTP pasina inishuwarenzi youpenyu rinoitwa pamwe chirwere kadhi, izvo zvinoratidza chokwadi kupfuura Kuedzwa, makambani akawanda musatora izvozvo, inoda kuongorora nomumwe. Vane kodzero kuti. Naizvozvo, dzinenge pre-zviripo kugeza motokari.

Mu "Day X" kuoneka panguva yakatarwa. Kunyange kana misangano matatu kutanha pane imwe munhu, ngakuitwe. Ungangove, hapana zvachose haazooni panguva motokari, uye pakarepo pauri mutemo yakachena.

Ndicho yakachipa pashiri, asi panguva imwe chete, imwe refu chisarudzo.

Nzira yechipiri - kushandisa tsamba mabasa

Kushandiswa nokuti kunyoresa mutemo unogona kunyorwa kwete chete bazi kambani yacho inishuwarenzi. Inogona kutuma uye vakanyorwa tsamba pamwe chiziviso okutambirwa kuti Kero hofisi huru. Nenzira iyi vari zano kushandisa fase. Paakaudzwa chiziviso kubva posvo kuti akapa pasuru kuti, unogona kuenda kuhofisi uye kuchera chibvumirano. Zvino vashandi haagoni kungoreva ndechokuti bepa achaparadzwa aongorora pamwedzi, kana kuti "iwe usina Database."

How kutenga CTP pasina inishuwarenzi youpenyu, chinhu chingaitwa zvakanyanyisa

Pasinei policies zhinji panguva vanhu vasina vakaita, muripo kuti mumwe nomumwe wavo wakabudiswa yoga. Kana usiri kutya refu tsanangudzo ukama nekambani kuchengeteka basa (kazhinji nechepakati mahofisi), kana co-workers unogona kushandisa pfungwa iyi. Chokutanga, kubvuma kuti kutenga CTP pamwe mimwe mhando inishuwarenzi. Mirira kusvikira mukuru achaita ngaateme kwose uye achava ape muripo hurongwa. Zvadaro chete kusaina risiti kuripwa CTP, asi tichiregeredza rechipiri nomutemo zvinogona kutaurwa kuti kuchinja mwoyo. kutyisidzira All kudana mapurisa vanobvumirana. Uye kunyange nani - kuzodana dhipatimendi pachayo. Patakasvika pane Vezvemitemo kushanda bazi zvichabviswa yakaturikwa Achimirira kujekeswa ezvinhu mhosva. Hazvina here pakarepo kuitisa paangavanda vhidhiyo kurekodha kuti kana mibvunzo aigona kuratidza ake mhosva.

mhedziso

Kuda makambani kuti zvakawanda purofiti kunonzwisisika, uyewo kukundikana vatengi mari mabasa havashandisi. Mukati CTP pasina inishuwarenzi upenyu Russia ndiyo chaiyo, asi achatora nguva yakawanda. Saka unofanira kutanga kugadzirira pachine: kusarudza 5-6 makambani kuti kugadzira motokari uye muna 2-3 mwedzi kunotora kuchiva itsika.