KBM - chii here? Bhonasi-Malus coefficient nokuda CTP

Varidzi All motokari maererano nomutemo "On inishuwarenzi rokumanikidzirwa" tinosungirwa inishuwarenzi motokari, kureva kuti ape MTPL itsika. Russian Federation Hurumende akabvuma tariffs, kuti rokumanikidzirwa gwenya TPL inishuwarenzi. Pane nechigadziko mwero uye chine coefficients, iyo inoshandiswa pakuverenga mutengo mutemo. Hatidi kutsanangura zvinorehwa coefficients zvose.

Saka MSC - chii? Chinonyanya kukosha ndechokuti kana mutyairi anoenderera mumugwagwa pasina tsaona, ipapo akakodzera zvazvakanakira kana waita chibvumirano rweinishuwarenzi. Panguva iyoyo uyu inozowana mutengo chinhu chinogona ngazviwedzerwe. Izvi zvingaitika kana mutyairi anova mutadzi mhosva mutsaona yomumugwagwa.

Subtleties Factor bhonasi-Malus

Kuti tinzwisise zviri nani zvinorehwa, mutyairi anofanira kungwarira zvinotevera: mutyairi KBM haasi kuda motokari yako.

Somuenzaniso, ukasarudza kutengesa motokari uye kutenga itsva. Bhonasi-Malus acharamba kusvikira nguva yakadai usingapombi kusaina chibvumirano chitsva CTP. Vehicles inotengeswa June, uye muna July akatenga itsva. Mutemo chinonzi kusvikira pakupera kwegore. Pakupera kwegore, iwe uchava mari shoma kana iwe kuti kondirakiti. Zvisinei uchida kutenga inishuwarenzi muna July kana kutenga motokari itsva. Under izvi ezvinhu, haufaniri kuwana dhisikaundi.

Zviya, unogona kudzidza MSC iri nyore. Kuti aite izvi, shandisa X-ray chawo.

Kana iwe wakaenda makore mashomanana, pasina nokutyora motokari mitemo, akazviunganidzira dhisikaundi, uye gore rakatevera CTP handina rakapa, wako reshiyo ukoshi anochengeterwa Database kwerimwe gore, ipapo zvose bonuses enyu kukagadziriswa.

MSC uye kirasi insured

Kana totaura mutyairi pamusoro MSC, vamiririri inishuwarenzi vanoshandisa tsanangudzo "kirasi insured." Pazasi ndiyo tsika yacho MSC uye kirasi insured kuti vatyairi vari vaigadzirira mutemo kekutanga (tsika idzi inofanira kutorwa sechinhu pokutangira iri kuongorora tafura pazasi):

• MSC - 1.
• 3 - insured kirasi.

Toti, kuti gore, iwe kumbobvira munyaya tsaona, saka kuti gore tsaona isina motokari, uchawana zvinoderedza kuti 0.5 pfungwa.

Somuenzaniso, uri mutyairi ruzivo pamasikiro mutemo nokuda kwenguva yokutanga wanzi Iboka 3 insurer, izvo unoenderana bhonasi-Malus 1 (iye akasatendeuka kukanganisa inokosha mari inishuwarenzi). Mugore paakadzinga mutyairi wechipiri akava nebato kuti tsaona. Kirasi insurer achadonha kune wechipiri, uye mutengo mutemo pachamera 40%, kureva nhamba 1,4.

Kunopiwa kuti munguva inotevera nguva inishuwarenzi yacho mutyairi achava tsaona-isina motokari, kuwana kirasi yake yechitatu uye mari mutemo iye ipfupi.

Under chii ezvinhu MTPL MSC zvikure?

Fungidzira kuti uri makore mashoma akaenda mumugwagwa, pasina kuita tsaona, saka kuti iwe Makawana dhisikaundi. Zvisinei, gore rino wava nhengo mutsaona uye somugumisiro kurasikirwa kwako simba kupota zvose. Yakadaro kuguma kana vakuvara mutsaona kuchaita kukurukura boka rako inishuwarenzi hatingarevi kuripwa. Asi! Kana iwe uri pamwe vawirwa kusarudza kuti ape nokukurumidza, kuti discounts ndakaponesa.

Uyewo yeuka kuti dhisikaundi haana kufungwa kune vagari vari pamutemo imwe hurumende. Pakati pezvimwe zvinhu, haina kufungwa kana Trailers inishuwarenzi.

Sei mari mutemo, kana ikakupa vatyairi shoma?

Kana MTPL mutemo akatanga vatyairi vanoverengeka kuziva kukosha kwayo kufungwa zvikuru bhonasi-Malus.

Somuenzaniso, mune mutemo akaita matatu. Vaviri vatyairi zviri 0,8, uye wechitatu - 0,9. Policy vachapiwa yakagadzirwa ne 0,9 dhisikaundi achava chete 10%. Kana gore rino mumwe vatyairi vanoita tsaona dzemotokari, kukosha coefficient zvichawedzera chete mutyairi chivi, uye chinoratidza asara kuchaita kuderera ne 5%.

CTP Mari mutemo hunoenderana kunaka vatasvi, uye chikuru chinoratidza unhu ndiwo bhonasi-Malus. Naizvozvo, achipindura mubvunzo "KBM - kureva," zvinofanira kutaurwa kuti ichi chinhu kuyerwa kuratidzwa kwevanhu dzokutyaira unyanzvi. Cherechedza motokari mitemo uye, sezvo zvakaguma kuva pasi coefficient, uye discounts saka mukuru chibvumirano inishuwarenzi.

Vamwe vatyairi vari insured ne CTP nokuda 6-9 mwedzi. Kana pakuverenga mari chibvumirano anoendeswa exchange bhonasi-Malus imwe. Kana kuwedzera mutemo nguva mutengo inochengeterwa pasinei boka, apo mutemo kugadzirwa.

Basic ezvinhu nokuti kushandiswa MSC

Saka MSC - chii? Sei rinowanikwa mumamiriro ezvinhu akasiyana?

CTP policies vari rakakamurwa mhando mbiri, imwe neimwe ine pachake zvachiri.

1. A shoma rweinishuwarenzi. In yokuchengeteka kuchiitwa urwu kuti pezvaunorambidzwa kwenhamba vatyairi vane kodzero yokushandisa motokari iyi. MSC vachapiwa dzaona kuti mumwe mutyairi yoga.
2. Unlimited mhando inishuwarenzi. Under izvi ezvinhu, uwandu vatyairi inishuwarenzi vari kodzero kutyaira motokari, risingagumi. The kirasi insured uye kukosha bhonasi-Malus anotsanangurwa chete muridzi motokari uye mamiriro kuti rapfuura chibvumirano chakanga kwakadaro, kureva, risingagumi. Kana akawanikwa kuti rinochinja chepakuvamba mashoko pamusoro mutyairi uye motokari, zvino kana pakuverenga mari mutemo uchatorwa kufungwa kukosha MSC CTP akaenzana 1.

Zvisinei, pane mitemo inoshanda vose zvibvumirano:

• Kana iwe agumisa chibvumirano kambani pachine wenyu danho, ari dhisikaundi pamusoro Mari chibvumirano havazovi zvainoita pakureba nguva iri kuvhiringidzwa. Izvi zvinotsanangurwa nechokwadi chokuti chibvumirano nguva iri gore rimwe, saka MSC rinowanikwa pachishandiswa izvi ezvinhu. All insured zvakaitika panguva isingasviki gore, haangaiti kufunga bonuses. Kana pakuverenga achatora tsika pakati coefficients, izvo kushanda panguva yapfuura kondirakiti.
• Mumwe chiitiko insured - imwe mubhadharo inishuwarenzi. Bhonasi-Malus coefficient neimwe muripo anonzi yoga, zvisinei kuti vanhu vazhinji vakagamuchira muripo inishuwarenzi.

Umo zvazvingava, MSC anogona achawedzerwa?

Kana mutyairi kuchitaurwa mu policies akawanda, mumwe iro rine "zvakaipa" nhoroondo, kuti coefficient mutengo anogona ngazviwedzerwe. Uyezve, kuwedzera MSC anogona kukanganisa kuzviwanira dzenhema nyaya MTPL itsika.

Kukosha bhonasi-Malus rimwe policyholder riri mujinga Russian Union of Auto Insurers Information (SAR) kana kambani apo uine chibvumirano inishuwarenzi. Kuti uzive kuti MSC dzenyu achishandisa PCA, unofanira kuonana kambani yacho inishuwarenzi apo iwe vakanyorwa itsika.

Sei MSC zvingaderedzwa?

Pakuverenga mari CTP inishuwarenzi gwara kune nyore zano - pechingoro mutengo chinobviswa nokumuwanzira ne MSC. Yokuderedza coefficient kuti bhonasi-Malus, unofanira kuomerera zvinotevera mitemo nyore:

1. Ngwarira mumugwagwa, kutyaira pasina tsaona.
2. Batsirawo kuna MTPL vatyairi nomutemo kuti pakufamba kwangu vakakodzera kuvimba, vane maonero chiitiko kutyaira uye wava nechokwadi professionalism yavo.

Zvokuita kana usina chokwadi pamusoro Kururama dzemaitirwe of MSC?

Unofanira kutanga kupinda chibvumirano pakati inishuwarenzi pamwe MSC, yaunopiwa insurer pamusoro pako, asi kuti iwe uri kubvunza. Ongorora pahwaro of MSC asingatakuri nguva yakawanda.

Zvino unofanira kushandisa kuti Union of Insurers aine chichemo pamusoro zvisiri pamutemo vakatsunga MSC. Kuti aite izvi, unofanira kugadzira nhamba magwaro:

• Statement.
• Makopi mutyairi wacho marezinesi, izvo kunyorwa mutemo.
• A kopi chibvumirano inishuwarenzi yapfuura.
• kopi kuitwa chibvumirano inishuwarenzi.

Kana mugumisiro kunyunyuta, nyaya yako kugadziriswa chokwadi, une kodzero kugumisa mutsva inishuwarenzi chibvumirano ne kudzoka overpayment.

To muchidimbu. KBM - chii here? Kutaura zvazviri, ndiye nechiidzo dzevanhu dzokutyaira quality, naro makambani inishuwarenzi inogona kana kuita dhisikaundi rakanaka kana muchipinza MTPL gwara (kana panguva iyoyo inishuwarenzi, iwe wakaenda pasina tsaona), kana ndiEzekieri, kuwedzera mutengo inishuwarenzi (tsaona kana wanga). Chokwadi, zviri zvinobetsera zvikurusa inishuwarenzi motokari ruzivo mutyairi ane dambudziko-isina chokufambisa.

Ona kuti reshiyo izvi usatsungirira kuti motokari uye mutyairi uye anochengeterwa SAR mugore. MSC vanogona kudzidza kubva insurer uyo kubva ukaswedera imwe kondirakiti.