Ko nyaya inishuwarenzi MTPL MSC? Chii inishuwarenzi MSC?

Pamwe mufaro kutenga motokari uye muuye mabasa matsva. Kunyanya kukosha inishuwarenzi injini rechitatu bato kuita. Munhu wose anoziva kuti tsaona indemnified boka vaitengesa mutemo. The mubvunzo unomuka, sei paine mari uye chii napo.

Chimwe chikuru zvinoumba inishuwarenzi ndiyo MSC. Handizvo kare kwaiva mashoko rakanga rarambidzwa muna Rosgosstrakh. Ichokwadi ichi? We munyaya ino.

KBM: decoding izwi

KBM - zvakavanzwa seri chidimbu? Izvi zvinonzi bhonasi-Malus coefficient, izvo kunoenderana nokureba mutyairi uye uwandu tsaona dzemotokari zvakaitika kwaari. wokuyera Izvi munhu ingaita okushamisira. Zvisinei, chinangwa chacho ndechokuti kukurudzira vatyairi kutyaira kunyatsoongorora. Pashure pezvose, pasina tsaona uye kugadziridza havafaniri kubhadhara munhu. Uye pasina kurasikirwa mubereko kambani yacho inishuwarenzi zvichaita chete kuwedzera.

Kuti tinzwisise zviri nani zvinorehwa MSC - chii rinoreva nezvechisarudzo ichi, iwe nezvazvo kukwana okuti "bhonasi-Malus". Tiri kutaura mubayiro, iyo rinovimba kuti kutyaira pasina tsaona. The CTP ari bhonasi 5% rimwe gore tsaona-isina kutyaira.

Asi mubvunzo unomuka iri kududzirwa pfungwa kwohumwe MSC: chii chinonzi "Malus"? Kana muridzi MTPL mutemo Zvinovhiringidza motokari yake mutsaona, inova muparanzvongo wacho dhisikaundi iri akadzima kana kuderedzwa. Asi kana tsaona yakanga isiri mhosva yako, izvozvo hakumbokanganisi mari inishuwarenzi mugore rinouya. Ichi chirwere anodzokororwa kunyange apo tsaona kuti kunze chikamu rwemotokari mapurisa.

Chikonzero nei mune iyi hazvichinji mutengo, zviri nyore chaizvo - inishuwarenzi CTP mutoro, kwete muchina. Uye ane Zvechokwadi, chete nemhosva bato iri.

Kana kushandura boka kana MSC ari kuchinja?

In MTPL muripo inishuwarenzi - zvisiri nyore. It inorangarira nhoroondo inishuwarenzi rakakwana mutyairi. Chimbofunga zvishoma zvakafanana zvokusarudza, sezvaungaona nhamba yako.

1. Pane basa rimwe chete mashoko kambani inishuwarenzi anochengeterwa zvemukati Database. Zvino kana waita itsva mitemo mumiririri anotarisa uye vakataura yokupedzisira mutengo.
2. Kana muridzi motokari achida kuchinja kambani yacho inishuwarenzi, kuitira kuchengeta discounts, inofanira pasi gwaro kubva kambani, ari insuring umo pamberi.
3. Asi kunyange kana pasina rubatsiro, pane zvoga Database pamusoro SAR opareta, izvo rinochengeta mashoko pamusoro zvose vagari vakagamuchira mitemo. Kunyange zvakadaro, zvakanaka kuti kudzora pachake muitiro, nokuti zvinoitika kuti UK Data hamuna kana kukundikana munyika.
4. On renhoroondo Websites dzimwe makambani inishuwarenzi vanopiwa basa rinokosha kuti unobvumira kuverenga MSC panguva inishuwarenzi MTPL. Zviri basa "Online Calculator". The mutyairi zvazvakaipira pahwaro yeRussian Union of Insurers.
5. Zvangoitikawo kuti vamwe SC MSC nezvaro mutemo. Ongorora akanyatsoriongorora: hakuna mazita pamberi mutyairi, kana mu "chaiyo manotsi" chinhu. Zvisinei, nokuti mashoko aya haafaniri mumatauriro mutemo, izvozvo uzvinyore Kazhinji.
6. Edza kudana kambani yacho inishuwarenzi uchishandisa nhamba dzerunhare pamusoro chidhindo mu mutemo pamusoro insurer. Kukumbira CTP dhipatimendi uye vanoti kuda kuvandudza chibvumirano, saka unoda tinyatsoziva kirasi yake inotevera gore.

Sei iwe overenga?

Apfuura, MSC apo inishuwarenzi yakasungirirwa motokari chaicho. Naizvozvo, kana mumwe motokari wakatengesa, bonuses vose itangezve. zvakajeka nzira yakadaro yakanga kusagadzikana uye maturo. Naizvozvo, kuti kuonekwa kuti zvinokanganiswa ezvinhu ayo vakachinja, uye MSC vakava chokuita munhu, kwete motokari.

Zviratidzi MSC inishuwarenzi - iri makirasi 15, ane tsika siyana 2.45 kusvika 0.5. The nemhosva, vakatendeukira kuna kambani yacho inishuwarenzi kokutanga, vakagamuchira mugiredhi yechitatu uye ane mwero mari.

Gore negore, kana mutyairi akaita tsaona haana zviitike, MSC ipfupi. Ndiko, mugore rinouya 5% dhisikaundi kirasi chichava 4th. Zvisinei, kana petsaona nokuda mhaka muridzi CTP kirasi iri kunotozongoita ipfupi, uye mutengo inishuwarenzi ichamuka. Masvomhu dzinoitwa unokosha patafura MSC.

Kana mutemo - vamwe vatyairi, dzemaitirwe ari kunonyanyisa MSC mumwe wavo. Uye kana kunosanganisira kushandisa motokari, pasina kukamurwa, dzemaitirwe kunobva sei kubhadhara vazhinji vakaitwa munguva yapfuura negwaro.

Hapana asi chokwadi

Kuita CTP, pomutumwa anogona kubvunza tsaona vangani. Chokwadi, zvoga maitiro - ichi zvakanaka chaizvo, asi zvose zvakafanana IC kazhinji vanosarudza kutamba vakachengeteka.

Maererano nemitemo rokubva injini TPL inishuwarenzi arege kupa mashoko enhema. Kana zvinoitika kuti chibvumirano rokumanikidzirwa inishuwarenzi ichakurukurwa ndonda, uye mari pamusoro payo musarasa. Not yakanakisisa mugumo kwakamirira avo hype zvinoitika mushure tsaona. Ipapo chibvumirano wakagumiswa dare, uye muripo vachafanira kubhadhara munhu. Uye kwete kuti ndicho zvose. Nguva inotevera mutyairi achaswedera akakwidza inishuwarenzi, mutengo nokuti kuchawedzera nehafu, kureva MSC achamuka 1.5 nguva. Naizvozvo zviri nani kumbobvira kunyengedza UK panguva kusaina kuti CTP.

MSC = 1

Zvinoitika kuti MSC mumwe. Izvi zvinoitika muna zvinotevera nyaya:

1. Kana motokari insured, vari muridzi ne navatorwa (motokari yakadaro Russia kazhinji kwenguva).
2. Kana insuring Trailers.
3. At inishuwarenzi riri chaizvo pfupi nguva.

Overestimation of mutengo inishuwarenzi

Dzimwe nguva kuedza kumunyengedza anokumhan'arira yako haisi chete anonyengera motokari varidzi, asi ivo pachavo SK. Tiri kutaura kutarisira kudhura mutemo.

Kakawanda iri nyore yokuvanda yacho MSC. Standard kukarukureta anogona kupiwa kunyange snug, asi kwete kunyatsogona panyaya inishuwarenzi kuti mutyairi.

Kureva, zvinoitika kuti imwe kukura MSC inishuwarenzi kokutanga inoramba chete gore negore. Uye kuti anogona kukanganisa uwandu inishuwarenzi.

Imwe nzira zvakafanana inoshandiswa nevamiririri - ndiye nokuiswa okuwedzera inishuwarenzi. Saka, mutengo kunogonawo kuwedzera yekudyidzana. Kazhinji utariri inoda vashandi kune kuedza kutengesa vatengi inishuwarenzi unneeded.

Chokwadi, kuita zvinhu zvakadaro tinofanira kutsunga. chikumbiro First kuti ape mutemo pasina zvisingakoshi vaitaura, uye kana kuti isipo, ipapo pangozi kuti iwe uchava chichemo kuzviremera dzakakodzera. Kazhinji, zvinoshanda zvinogutsa.

Zvangoitikawo kuti kuchinja kubva mamwe makambani, insurers akaisa mutengi chinhu - chikwata.

Cherechedza - kana ukarashikirwa MSC rako, ipapo kupora achatora yakawanda, uye pamwe pacho anyangarika, uye mari.

How kuchengetedza mari?

Saka, isu anofanira kunzwisisa sei kuita kuti kubhadhara mutemo zvishoma. Heano zvinotevera zvinoumba kukosha:

• Regional coefficient. Tiri kutaura pamusoro mutyairi, uyo kunyoresa zvachose mudunhu kana munyika. Nokuti iye, mutengo inishuwarenzi achava yekudyidzana kudzika kudarika yemo. Vagari vakawanda vane hama dziri kure nemaguta, munyore motokari kwavari uye kutyaira motokari iri mukuru simba gweta.
• Zviri nani kupinda mutemo vanhu chaiwo waunogona kuvimba kuti motokari pane kutenga inishuwarenzi pamwe mvumo motokari kumativi. Yokupedzisira Ipfungwa achaita mari zvikuru anodhura. Uyezve, unofanira ukanyatsoongorora kana MSC zvichashanduka nokuti inishuwarenzi pasina kurambidzwa.
• Kana chando seri vhiri, hausi kuenda kugara pasi, zvakanakisisa kutenga inishuwarenzi kwemwedzi mishoma - kana kuronga kushandisa motokari.

Recent kuchinja X-ray diffraction

Sezvo wokupedzisira December, kuRussia Union of Auto Insurers akatanga mutsva muitiro kuti kushanda MSC mu inishuwarenzi. Ndedzipi shanduko izvi? The algorithm kunoratidzwa kuti kana policyholder chaasingawirirani pamwe coefficient tsika yaidiwa kuti aone kukosha SC muna ais XRD. Kana musiyano pamwe anoshandiswa insurer zvinoshanda chii chinoratidzwa. Ipapo coefficient vachaita kufunga kwete chete pane mutemo, asiwo vose vaivapo. Tarirai patafura.

The pamutemo hwaro

Normative magwaro waidzora MSC maitiro:

• musi MTPL Act, nyaya 9, 15.
• CTP mitemo, ndima 20, 35.
• Hurumende Resolution № 739.

Uyezve, pane zvakawanda "Danho SAR chokudzidzisa vashandi makambani inishuwarenzi nhamba 7".

Case iri Rosgosstrakh

Makore anoverengeka apfuura rimwe makambani inishuwarenzi pakukura - Rosgosstrakh, kamwe akasarudza uye MSC panguva MTPL inishuwarenzi akadzima. Uye zvakanga nyore kuti anonyengera insurers pfungwa - mune mamwe makambani havana kuwanikwa siyana, saka vatyairi vaifanira kutenga muna Rosgosstrakh inishuwarenzi mutemo pamwe razero kirasi.

Uyezve, mune dzimwe mumahofisi uye vaipa yokuwedzera inishuwarenzi, uyewo ndima rokuongorora, kunyange kana pari chirwere kadhi.

Justice vakatsvaka nevaya vanotsigira kodzero dzavo: iyi zvazvingava, kirasi MSC. Ita Ndinofanira kunokumbira? Nokuti Court, sezvamunoziva, unofanira kuva nechimwe, chine kunyorwa uchapupu (pachine vanofanira kunyora muzviitiko zvose kuti zvavaifanira mukuru kunyora), uyewo zvapupu, maCD, mavhidhiyo uye zvakafanana. Asi vazhinji mibvunzo iyi inogona kugadziriswa pasina vachiuya kudare nyaya.

Chokwadi, makambani ari inishuwarenzi hazvibatsiri chaizvo kubhadhara dhisikaundi anosvika 50% nokuti dambudziko-free. Naizvozvo, tsvimbo vanoenda mazano akasiyana-siyana kuti aite kuti izvozvo. Uyezve, motokari varidzi anogona kubhadhara uye kusaziva ake. Pashure pezvose, vamwe vanhu havambozivi nezve kuvapo MSC.

Naizvozvo, kana kukanganisa chakaitika uye MSC yako zeroed, ipapo kudzorera anotevera matanho anofanira kutorwa:

• kana kukanganisa kwakaitika pashure isingasviki gore, kutumira tsamba kuna PCA kuitisa vakaongorora;
• kunofanira kubatana kopi rezinesi rokutyaira navatana mutemo pamwe zvakarurama MSC;
• Kana mhinduro iri kwete kupfuura mishomanana, unofanira kutaura Bank of Russia, apo zvichazivikanwa kugamuchirwa ane musoro MSC recalculation.

mhedziso

Kubva nyaya takadzidza pamusoro MSC: chii chidimbu inomirira, sei kuziva chii chingava matambudziko ake magadzirirwo sei kuagadzirisa. "Avanyevera - iri forearmed" - zvakanaka, izvi ndozvazvakaita. Ko nyaya inishuwarenzi MTPL KBM nhasi? Chokwadi. Ngwarira kana pakugovera inishuwarenzi, regai kukundwa kufurirwa uye regai kugadzirisa nokuti havadi mimwe "Ipfungwa", uye kana dzakaonekwa kutyora kukarukureta of MSC, kupikisa uye vabudirire yakarurama kuita.