Kambani inishuwarenzi The Rosgosstrakh: MTPL wongororo. MTPL kubhadhara pakuparwa mutsaona (Rosgosstrakh): wongororo

Vanhu vakawanda nhasi vanofunga pamusoro kuitira kuti kubva yeinishuwarenzi Mutemo kambani Rosgosstrakh. Reviews pamusoro CTP chaizvo pamakakatanwa, kunyanya sezvo vanhu vakawanda haapari kuzobatsira makambani specialized inishuwarenzi, sezvo ivo chete chinokosha kuti inishuwarenzi mutemo akachengetwa kubva navo gurovhisi mupanda. Zvisinei, vanhu vakawanda havazivi sei kuita mushure tsaona.

Chii?

Kana totaura rokumanikidzirwa inishuwarenzi, vakawanda vanoyeuka Rosgosstrakh. Reviews musi CTP, uyewo chaizvo kushambadza chirongwa kuti zvizivikanwe kucherechedzwa zvakakwana, asi vakawanda vari kufunga kana kuita mutemo uyu uye kana kuti kubuda ichi kambani inoda.

CTP inishuwarenzi negwaro kunokosha kuti chero muridzi motokari. The chikuru chinoratidza inishuwarenzi ichi ndechokuti kunokanganisa uye Kurasikirwa akaita kuti motokari kana vomumuzinda ayo utano, akatakurwa ari chiitiko kuti insured munhu anokonzera netsaona. Tariffs, pamusoro mutemo wakaiswa neHurumende, uye kana mutyairi asiri mutemo, ipapo inoenda payo hakubvumidzwi kuoneka. Nemamwe mashoko, makambani ose kupa (kana, kanenge, kunodiwa kupa) chete kukosha, uye hadzishandi anoshanda Rosgosstrakh. Reviews musi CTP dzimwe makambani akawanda kazhinji ndivo kunaka asi, pfungwa, mamiriro ezvinhu kuitika bhizimisi inishuwarenzi zvakadaro, kuti hazviiti nguva dzose kuti vabudirire zvinobatsira pasina matambudziko.

Sei muripo?

Chinonyanya kukosha kuti unofanira kudzidza pamusoro CTP - ndiko kuti maererano nomutemo yaidzorwa kukuvadzwa nokurasikirwa iwe kunokonzerwa zvikurukuru nokuda bato wechitatu, kana motokari kana upenyu uye utano vatakurwi vaiva mairi. Insuring zvavo vehurumende kuita, pachiitiko nemhosva iwe zvachose kurasikirwa chero kufunganya pamusoro zvakakanganisika, uye kuti pfungwa iyi rinopa inishuwarenzi Rosgosstrakh. Reviews musi CTP vanoti mutemo unoti kunyoresa chezvawanyora chaizvo zvinokosha, sezvo kurasikirwa munhu asina mhosva anogona kudzorerwa nokukurumidza sezvinobvira.

Panyaya iyi, motokari yacho insured munhu uyewo hwake, utano kana pfuma hadzina kudzivirirwa munzira ipi neipi maererano inishuwarenzi itsika. Muripo kuti kukuvara akatambudzika nemi, ndichaita kare kutora nzvimbo mari, kana, mune nyaya kunyoresa kambani mutemo Chikomo inishuwarenzi. Chikonzero ichi kuti hapana chikonzero nechokwadi kana kuti ape mutemo kunokosha, zvazvinosarira chete kusarudza - kuzviita imwe kambani kana kuenda chikumbiro, inoita kambani yacho inishuwarenzi Rosgosstrakh. Reviews pamusoro CTP vanoti Hull design, Kuwedzera kunofanira kuitwa chero zvazvingava.

Chero mutyairi anofanira kuuya kwavo kuita inishuwarenzi gwara mudziyo, kana kanenge zvinofanira kupinda yakadaro mutemo. mutemo uyu rinoshanda kunyange kana chete vakatakura dhonza motokari kubva showroom kunzvimbo kunyoresa, uye chete kunze hazvisi mamiriro ezvinhu apo mutemo CTP havasi kurambidzwa nhamba vanhu vanogona kutyaira motokari, uye pfungwa iyi anopawo kambani inishuwarenzi Rosgosstrakh. Reviews pamusoro CTP iri mhando kunoratidza kuti, pfungwa, imwe muridzi motokari munhuwo hazvisi zvakakodzera.

Kana iwe hapana MTPL gwara, hauna kodzero kufamba mumugwagwa, uye panguva imwecheteyo murege kuva kunyange kukwanisa kunyoresa motokari yako yomumugwagwa mapurisa. Uyezve, zvakakomba dambudziko mutyairi ichi zvinotarisirwa mune chiitiko kuti chiitiko petsaona, iye anongoti havazokwanisi kupa gwaro iri.

Kana uchityaira, nguva dzose unofanira kuva kuna chepakutanga pamusoro gwaro rino, pasinei zvaunoswedera mumwe boka kana achiri Rosgosstrakh. Reviews pakati MTPL kubhadhara vanoti kunyange vangava vaduku (yose muripo dzimwe nguva zvakakodzera kuti "kudhonza" pakureba enyaya), asi achiri zvikuru anopedza dambudziko mutyairi kana vatyairi kuti vava mapato kuti tsaona imhosva yako. Kana mutemo uine, asi iwe kungoti wakanganwa kumba, ipapo wezvikoro anogona kutumira motokari yako motokari pondo apo zvichiita tonotora chete kana kuratidza gwaro iri.

inishuwarenzi kubhadhara

Maererano mitemo pari zvizere nokudzorwa zvimwe zvinodiwa kukuvadza parutivi kuti akatambura kurasikirwa nokuda netsaona kana panowanikwa zvimwe chiitiko insured, kureva, muchiitiko ichi, mitemo yakaiswa kwete Rosgosstrakh. Reviews pamusoro MTPL kubhadhara dzinoti izvi nguva dzose anoremekedzwa, uye kazhinji ndivo kuvatumwa runoenzanirana muripo.

Murayiro anosimbisa kufadza zvinoita Pamuganhu MTPL kubhadhara, mukati iyo boka racho inishuwarenzi zvichaita zvakazara uchatamisa akuvara munhu muripo kana basa panguva yayo mari kupora motokari kugadziriswa yaro yepakutanga chitarisiko.

Uyewo maererano mitemo pari inopa wandei ezvinhu pasi iyo zvakakanganiswa nemashoko mhosva pamusoro insured munhu, kungoti hazvigoni ndanyarara hangu tichibatsirwa kambani inishuwarenzi Rosgosstrakh. Reviews pamusoro CTP (Moscow) Zvinowanzotaurwa kuti unofanira mberi kunzwisisa nezvehukorokodzwa izvi kuitira kuti chikwereti kambani yacho inishuwarenzi, kuva nechokwadi chokuti akanga zvakarurama.

nguva

Mugore Ruzhinji rwakapindura nyaya CTP iri rakapa gore rimwe, asi chaizvoizvo zvichiita kuti ape mutemo nokuda kwenguva mitatu, kana zvichidikanwa. Kana uine chamuinacho motokari kuti yave vakanyorwa kwose, asi kurishandisa Russia, ipapo nyaya unofanira formalize mutemo uyu kwenguva pfupi kushandisa motokari (zvishoma mazuva 15 chero boka, kusanganisira Rosgosstrakh). Inishuwarenzi kambani (CTP mutengi wongororo - source) anogona kuramba kuti ape mutemo panguva ino uye kumanikidza kwenguva refu, asi chaizvoizvo unekodzero kunomhangara ndiro "-vhiki mbiri" Mutemo.

mari

Kusiyana Hull, mutengo zvinogona anosiyana yekudyidzana kubva boka kusvika kambani, zvichienderana mutengo policies dzavo, mari CTP ndee uye takatsunga maererano coefficients uye tariffs, takatsunga neHurumende. Kutaura zvazviri, mutemo uyu kuitira kuti makambani inishuwarenzi havana mukana kuti understate kana angawedzeredza mari mutemo, kunyange kana akaita kunze inishuwarenzi motokari MTPL (Rosgosstrakh). Reviews vanoti, pfungwa, kambani rinoungana zvinodiwa ichi, asi, sezvataurwa pamusoro apa, kuwedzera mutengo kazhinji vachikumbira kushandisa mamwe mabasa.

Roga, mutengo CTP rimwe mutyairi akatsunga yoga uye kufungwa mune iyi maka insured motokari, motokari ruzivo pamusoro chikamu muridzi motokari, nharaunda umo motokari richashandiswa, uyewo zvimwe zvinobatanidzwa ugari zhinji. Mumwe vakaparadzana nomumwe chakarurama wakaiswa kuwedzera kana kutapudza coefficient ane bhuku iri zvakakwana zvakasimba yaidzorwa siyana ehurumende mitemo.

mutemo sei?

Pakutanga, mutemo aifanira mumwe chete Ipfungwa kugarwa - wakuvara webato, iro vakatambura nazvo pamusana petsaona haisi mhosva yavo, izvozvo aitofanira kukumbira kambani yacho inishuwarenzi munhu chakairovera. Zvisinei, munguva pfupi yapfuura, kwakasarudzwa kuti zvimwe kuchinja nzira chokuwana inishuwarenzi muripo kuti nzira chokuwana mari apo insured chiitiko haana kuoma zvakadaro. Maererano yakabvumira kugadziriswa kwemutemo wekuita izvi, kana ari mararamiro petsaona hapana zvakaipa utano hwevanhu kunge vakashandisa, uye nokudaro akabvumirana akawanda zvimwe zvinhu, kutsvaka nekuripira zvaparadzwa inogona kuva insurer kwako, sezvo mutemo basa "kukuvadza zvakananga". Uyezve, kana kukuvara haasi kupfuura 50 000, muchiitiko ichi regai kunyange kumudana yomumugwagwa mapurisa, uye zvinogona kushandiswa vanonzi European Protocol.

Kukurukura zvikumbiro muripo nokuda kambani inishuwarenzi ichaongororwa nokuti hapana anopfuura 20 mazuva, uye zvakakosha funga pamasikiro mutemo, uye kana uine kudare Rosgosstrakh (CTP). Reviews vari varidzi mutemo vanoti kazhinji kwenguva kunonoka ari nokuongorora nyaya pakupedzisira inotungamirira kuti kambani yava nyore zvikuru kubvuta muripo zvizere dai vamboramba kukutsigira. Hatifaniri kukanganwa kuti nerimwe zuva kunonoka kambani yacho inishuwarenzi vachafanira kubhadhara faindi yakasvika 1/75 chikamu refinancing of Central Bank uwandu kukuvara.

Kurambidzwa, izvo chinotaurwa pana rokumusoro panogumira mumainishuwarenzi kazhinji kunoguma isingagoni kufukidza yose chitsama zvaparadzwa kuita inishuwarenzi mitemo turusi Rosgosstrakh. Zvakataurwa kuti kuonekwa kuti kana migumisiro kukundikana haina dzinoparadza, ipapo musiyano rose pakati zvaparadzwa uye kubhadharwa kambani yacho inishuwarenzi achafanira pachavo rokudzorera. Hazvina nokuda kwechikonzero ichi Zvinokurudzirwa kunyoresa sezvi- rimwe DSAGO gwara, izvo zvinoita kuti mari chero mamiriro ezvinhu.

Itai zvose nyore?

Pakutanga, vanhu vakawanda vanofunga kuti hapana chinenge hapana "gotchas" tichienzanisa Hull, asi chaizvoizvo, kunyange kana izvi zvakadaro, hatifaniri wotaura kuti kusarudza kambani inishuwarenzi akavimbika zvechokwadi uye mutoro, nokuti hapana munhu achazviita pachinzvimbo iwe. Kana iwe pakarepo ukaona kukonzera tsaona, unofanira kuti zvakazara indemnify, uye hapana musiyano pakati sei iwe chichabatsira insurer kana kwete - chitsama atadzirwa zvinofanira akaripira zvakakwana, saka nhamba yevanhu vakaurayiwa vari kambani yacho inishuwarenzi Rosgosstrakh. Reviews pamusoro CTP vanoti nzira iyi inofanira kuswedera kwazvo, kana uchida rubatsiro here chakakomba kubva insurer wako huye pakadai.

Uyewo kucherechedza ndechokuti chero zvazvingava, nyanzvi dzinokurudzira kusarudza mitemo ine vashoma vanhu vari inishuwarenzi, sezvo rinobvumira kuti tichengetedze mutemo iri rakapa.

Ndezvipi zvakanakira Rosgosstrakh?

Roga, kambani yave mumunda ichi kwemakore anopfuura 90 apfuura, saka anovimbisa zvikuru kutengeka uye unhu inishuwarenzi, pasinei uchifarira - DSAGO, Chikomo kana MTPL inishuwarenzi. Rosgosstrakh, ongororo zvinoratidza ichi, pfungwa, anoita mari inenge nguva dzose, asi pane zvakawanda matambudziko maererano mari, uyewo zvose zvemarudzi discounts uye mamwe mabasa, okutanga haina kufungwa, uye wechipiri - vari zvavakatemerwa, asi kashoma inopiwa.

The kambani ichangopfuura yakatanga wemagetsi kunyoresa mutemo kushanda uye vatengi rutsigiro. It Anotiwo zvakataurwa kambani Rosgosstrakh. CTP iyi nyaya ine wemagetsi siginicha, uye zvadaro ichakurukurwa kushanda zvakafanana sezvo mureza bepa gwaro, zvakakwana chete kudhinda.

Kushandisa?

Kunyange kana iwe kare inishuwarenzi MTPL kambani, unogona kutenga mutemo uyu zvakare, agamuchira wemagetsi gwaro kuburikidza pamutemo Website wekambani. Ingozadza data, asike munhoroondo yenyu uye muripo kuti, pashure yamuchakwanisa kupiwa ane inishuwarenzi itsika zvemagetsi. Mukuwedzera, kambani rinewo vatengi zvayo mukana kunyoresa paIndaneti CTP, asi gare gare kugamuchira pepa pepa yatova imwe mumiririri hofisi muguta renyu.

Zvinokosha kucherechedza kuti panguva iyoyo paIndaneti kutenga inishuwarenzi zvingangoita pepa pepa inowaniswa kuvinga vanogara guru uye St. Petersburg, kusanganisira nzvimbo mumaguta aya.

Kana usina kujaira kushandisa kombiyuta kana regai vanosarudza nezvechisarudzo ichi kutaura, iyi nyaya unogona kushanyira rimwe zhinji mahofisi munyika zvisinei guta zvauri. Mukuwedzera, kambani rinopawo basa kuzodana yeinishuwarenzi mumiririri muhofisi kana kumba, uyo achapindura chero mibvunzo yako, uyewo kuti atore inishuwarenzi panzvimbo kana yokushayiwa. Unogonawo kubvunza pamusoro MTPL kubhadhara pakuparwa mutsaona (Rosgosstrakh). Reviews Zvechokwadi, achakuudzai zvakawanda pamusoro nzira, asi pomutumwa, unogona kudzidza dzinokosha mitemo uye verenga zvinhu nechibvumirano iwe.

Zvinokosha kucherechedza kuti, kuita kunze inishuwarenzi, haufaniri chete kuwana kapepa, uye ndine kodzero yokugamuchira mubhadharo ari chiitiko kuti uve mutoro netsaona. Online basa kunoita makambani kuti muitiro panokwanisika uye nokukurumidza sezvo kuburikidza nekuda kwenyu pamusoro pamutemo Website, unogona nguva dzose kutarisa mamiriro Paymaster nyaya kana mashoko anoratidza kuti chiitiko insured kunoitika.

Useful kuchinja mutemo

Kune akawanda anobatsira yakabvumira kugadziriswa kwemutemo wekuita kuti mitemo kuti munyaya nedanho vanyorwa mutemo:

• kufadza zvinogoneka kukuvara pfuma 400 000, asi mutemo uyu chete zvinoshanda zvibvumirano kuti yakapiwa pashure 10.01.2014;
• kufadza zvinogoneka zvakaipa utano kana upenyu pashure tsaona kusvika 500 000 rubles, asi urongwa ichi rinoshanda chete zvibvumirano vakaurayiwa pashure 04.01.2015;
• muripo kungadiwa mu inishuwarenzi yako kana tsaona vechikamu ndivo vanhu vaviri chete, uye panguva imwe chete kukuvara kwakakonzerwa chete motokari, apo mune dzimwe ezvinhu, kare kushanda zvakananga kambani yacho inishuwarenzi yacho munhu ari chaikonzera yacho;
• kufadza zvinokwanisika huwandu kukuvara, maererano izvo zvinoita kuonana kambani yacho inishuwarenzi pasina kudikanwa kuzodana yomumugwagwa mapurisa, ndiyo 50 000 rubles, kana vatyairi vose MTPL zvibvumirano vakanga yakasainwa pashure 02.08.2014;
• rokuti kugarwa mibvunzo zvose pashure risiti chikumbiro mazuva 20, kuverengwa kunotanga pakarepo pashure nokupa zvakakwana mapepa pasuru, uye panguva iyi kambani inofanira kutumira vaifunga kuramba kupa mirayiridzo yokugadzirisa kana vaite muripo;
• kana kambani yacho inishuwarenzi pane chibvumirano ane nyanzvi Nokuraramisa chiteshi, muchiitiko ichi, akuvara anogona kusarudza pakati pakarepo mari muripo, uyewo kutungamirirwa motokari yake kuti kugadzira ari chiitiko kuti chibvumirano CTP kunze pashure 09/01/2014.

Mitemo iyi zvinoshandawo kunyange kana musingadi tongai kambani Rosgosstrakh CTP. Customer inofambiswa kunoratidza kuti kuchengeta mitemo mumwe nomumwe vanofanira chenjerai sezvinobvira kuitira kuti chiitiko chipi litigation imi zvaiva nyore zvikuru kudzivirira nyaya yavo.

Roga, iro kuita inishuwarenzi negwaro chokushandisa kunokosha, saka kurudzosa unofanira kuva Chero zvazvingava, pasinei ukasarudza Rosgosstrakh, kana mumwe kambani. Muchiitiko chino, zvakakosha kuona kuti kusarudza here yakavimbika insurer, izvo zvichaita vakagadzirira kunzwisisa neimwe nyaya uye kubhadhara mari maererano nomutemo.

Chero zvazvingava Zvinokurudzirwa Utenge policies makambani zvechokwadi kuzivikanwa chete, sezvo nhamba akaratidza kuti anenge 2% of uwandu policies vari nyepera (panobva - Rosgosstrah, CTP, DHB). Reviews dzinowanzotaurwa kuti kana kutenga mutemo nerumwe kambani unogona kupedzisira nokufirwa yakawanda simba, tsinga uye nguva chiitiko kuti chiitiko mutsaona yomumugwagwa akawana sizvo kana ndonda kunyoresa simbiso.

Kana usina chokwadi nderechokwadi yenyu inishuwarenzi gwara, unogona kutarisa kunze kunyange paIndaneti kuburikidza pamutemo Website of PCA.

Uye yeuka kuti CTP haadziviriri motokari yako, kudzivirira chete basa rako vamwe vatyairi. naizvozvo zviri nani kuti vanyorese aparadzane somunhu inishuwarenzi itsika yokuwedzera Chikomo.