Inkampani yomshuwalense Rosgosstrakh: MTPL ukubuyekezwa. MTPL izinkokhelo uma ingozi (Rosgosstrakh): Izibuyekezo

Abantu abaningi namuhla cabanga ukuze senze out umshwalense kule nkampani Rosgosstrakh. Uphenyo CTP abasakwazi impikiswano, ikakhulukazi kusukela abantu abaningi aziphendukeli ngosizo izinkampani zomshuwalense ayisipesheli, njengoba nje ezibalulekile ukuthi umshwalense wagcinwa kuzo egumbini igilavu. Nokho, abantu abaningi abazi nokwazi ukuthi ukwenza ngemuva kwengozi.

Kuyini lokhu?

Uma kuziwa umshwalense ayimpoqo, abaningi khumbula Rosgosstrakh. Ukubuyekeza ku CTP, kanye nokukhangisa umkhankaso omkhulu ukwenza brand liyabonakala ngokwanele, kodwa abaningi bacabanga ukuthi benza le nqubomgomo kanye kungaba ukwenza kulesi inkampani idinga.

umshwalense CTP kumelwe for yimuphi umnikazi izimoto. Isici esiyinhloko lolu umshwalense ukuthi umonakalo futhi umonakalo owabangelwa ukuze imoto noma abagibeli bayo ezempilo, kwenziwe umcimbi ukuthi umuntu kwesamba unesibopho ingozi. Izimali kunqubomgomo esibekwe umbuso, futhi uma umshayeli akuyona inqubomgomo ke umgwaqo kuso akuvunyelwe ukuvela. Ngamanye amazwi, zonke izinkampani zinikeza (noma, okungenani, kudingeka ukunikela) ukubaluleka efanayo, futhi lokho akusho ukuthi isicelo kuya Rosgosstrakh. Ukubuyekeza ku CTP nezinye izinkampani kaningi azizinhle kodwa, isimiso, isimo samanje ibhizinisi umshwalense kunjalo, ukuthi akuyona njalo kungenzeka ukuba sifinyelele izinzuzo ngaphandle kwezinkinga.

liyinhlawufo kanjani?

Into ebaluleke kakhulu ukuthi wena kudingeka ufunde CTP - wukuthi ngokuya ngenqubomgomo ezilungisiwe umonakalo futhi ukulahlekelwa ukuthi kubangelwa ngokukhethekile ngumuntu wesithathu, kungakhathaliseki imoto noma ukuphila nempilo abagibeli ababekuwo. Insuring isibopho sezomthetho abo obuntu, ngesikhathi wecala wena ngokuphelele ulahlekelwe okhathazeke ngenhlalakahle umonakalo, nokuthi le ndlela inikeza umshwalense Rosgosstrakh. Ukubuyekeza ku CTP bathi inqubomgomo yokubhaliswa saziso kubalulekile ngempela, njengoba ukulahlekelwa umuntu ongenacala ingabuyiswa ngokushesha ngangokunokwenzeka.

Kulokhu, imoto ka kwesamba umuntu kanye ukuphila kwakhe, impilo noma impahla abavikelwe nganoma iyiphi indlela ngokuvumelana umshwalense. Isinxephezelo ngoba ngomonakalo owenzeke nguwe, ngeke kakade zenzeke imali, noma, esimweni yokubhaliswa yenkampani umshwalense CASCO. Kungenxa yalesi sizathu ukuthi asikho isizathu sokungabaza ukuthi ukukhipha inqubomgomo kuyadingeka, ihlala yodwa ukukhetha - sikwenze inkampani ethile noma ukuya sipho, okwenza inkampani yomshuwalense Rosgosstrakh. Uphenyo CTP bathi umklamo sikebhe, ngaphezu kwazo kumelwe kwenziwe kunoma isiphi isimo.

Noma yimuphi umshayeli Kumelwe nilethe yabo umshwalense isibopho sezomthetho ithuluzi inqubomgomo, noma okungenani kufanele afakwe somgomo wokusetshenziswa kwezilimi eziningi. Lo mthetho usebenza ngisho noma nje eyenziwa hola imoto kusukela Showroom endaweni sokubhalisa, futhi ngaphandle nje kulokhu isimo lapho kukhona imigoqo njengobunengi bemiphefumulo ku umshwalense MTPL ezingaba ukushayela imoto, futhi lolu khetho inikeza inkampani yomshuwalense Rosgosstrakh. Uphenyo CTP yalolu hlobo kusikisela ukuthi, ngokomthetho, umnikazi imoto ezejwayelekile ke akudingekile.

Uma ongenawo Inqubomgomo MTPL, ungenalo ilungelo ukuhamba emgwaqweni, futhi ngesikhathi esifanayo ngeke bakwazi ngisho ukubhalisa imoto yakho ku omgwaqo. Ngaphezu kwalokho, enkingeni enkulu lokhu umshayeli kulindeleke kwenzeka ukuthi uma kwenzeka ingozi, umane ngeke ukwazi ukunikeza le dokhumenti.

Uma ushayela, kufanele ngibe khona kanye embhalweni wokuqala ka-le dokhumenti njalo, kungakhathaliseki ukuthi udonsa iyiphi enye inkampani noma namanje Rosgosstrakh. Uphenyo MTPL izinkokhelo bathi nakuba zingase liyohluleka (lonke lokukhokha kwesinye isikhathi kuqakathekile "ukudonsa" e ubude tinchubo), kodwa namanje kakhulu uyayixazulula inkinga umshayeli noma abashayeli ukuthi babé amaqembu kule ngozi uwena obangele ukuba akuthinte. Uma inqubomgomo une, kodwa wena umane ukhohlwe ekhaya, khona-ke umhloli ungathumela imoto yakho kuze iphawundi imoto, lapho sizokwazi eyolanda kuphela uma ethula le dokhumenti.

izinkokhelo umshwalense

Ngokuhambisana nomthetho wamanje ngokugcwele kulawulwa ezithile amazinga umonakalo ohlangothini ukuthi eba senkingeni ngenxa yengozi ethile noma indawo okuvela kuyo yimuphi omunye umcimbi insured, okungukuthi, kulesi simo, imithetho setha hhayi Rosgosstrakh. Uphenyo MTPL izinkokhelo basikisela ukuthi lokhu akuyona ihlonishwe njalo, futhi ngokuvamile aphansi ukwedlula isinxephezelo okuhambisanayo.

Umthetho usungula esiphezulu kungenzeka umkhawulo ka MTPL izinkokhelo, ngaphakathi kwalo la i inkampani yomshuwalense isuke ngokugcwele abalimele umuntu isinxephezelo noma afeze at siqu elungisa imoto izindleko zokuluthola ngayo kuqala.

Futhi ngokuhambisana nomthetho wamanje sihlinzekela lezimo eziningana umonakalo obangelwe iphutha umuntu kwesamba, azikwazi ihlawulelwa ngosizo inkampani yomshuwalense Rosgosstrakh ngaphansi kwazo. Izibuyekezo of CTP (eMoscow) Kuvame ukuthiwa udinga kuthuthukiswe aqonde lezi butholakala enqubweni eyinkimbinkimbi ukuze adinga inkokhelo kusukela inkampani yomshwalense, ngokuba siqiniseke ukuthi wayeqinisile.

isikhathi

Ngo iningi labantu amacala CTP ikhishwa unyaka owodwa, kodwa eqinisweni kungenzeka ukukhipha imigomo yethu kuze kuphele izinyanga ezintathu, uma kunesidingo. Uma une onawo imoto esiye ebhaliswe kwelinye izwe, kodwa ukuyisebenzisa eRussia ke esimweni esinjalo kufanele bahlele le nqubomgomo isikhathi ukusetshenziswa okwesikhashana imoto (okungenani ezingu-15 kunoma iyiphi inkampani, kuhlanganise Rosgosstrakh). inkampani yomshuwalense (ikhasimende Izibuyekezo CTP - Umthombo) ungenqaba ukukhipha inqubomgomo ngalesi sikhathi futhi ukuphoqelela isikhathi esijana, kodwa eqinisweni unelungelo ukuze uyifune iyona "wemaviki lamabili" inqubomgomo.

izindleko

Ngokuphambene sikebhe, intengo zazo ingahluka kakhulu kusukela inkampani inkampani, kuye ngokuthi intengo izinqubomgomo zabo, izindleko CTP iqinile futhi enqunywe ngokuhambisana okuza kanye yamanani zinqunywa isimo. Empeleni, lo mthetho wukuqinisekisa ukuthi izinkampani zomshuwalense akudingeki ukuthi kungenzeka ukuba understate noma yokugcizelela izindleko inqubomgomo, ngisho noma wenza umshwalense imoto MTPL (Rosgosstrakh). Izibuyekezo bathi, isimiso, inkampani ihlangana ngokuvumelana nale mfuneko, kodwa, njengoba kushiwo ngenhla, ukuze kwandiswe inzuzo ngokuvamile akhombisa ukusetshenziswa amasevisi angeziwe.

Ngu uqobo, intengo CTP umshayeli ngalinye kunqunywa ngokwehlukana futhi kubonelelwe Kulokhu uphawu imoto oVikelwe, ukushayela isipiliyoni ingxenye umnikazi imoto, isigodi lapho imoto izosetshenziswa, kanye nezinye izici eziningi zokuhlala. Ngamunye ehlukile inkomba ngabanye isethelwe ukwandisa noma ukunciphisa Coefficient kabani ivolumu ngokwanele uvalwe izinhlobo ngokomthetho imithetho kahulumeni.

Kanjani inqubomgomo?

Ekuqaleni, lo mthetho bekumele eyodwa kuphela inketho zokuhlala - lowo ophathwe kabuhlungu, okuyinto nalahlekelwa ngenxa yengozi akulona iphutha yabo, kwakudingeka uhambisa isikhalazo ukuze inkampani yomshuwalense umuntu kwayilimaza. Nokho, muva nje, kwanqunywa ukuba wenze izinguquko ezithile kule nqubo yokuthola umshwalense isinxephezelo inqubo yokuthola imali uma umcimbi insured Kwakungenzima ngakho. Ngokuhambisana kwalezi zichibiyelo, uma ngokuhamba ingozi kungekho umonakalo empilweni yomuntu isetshenzisiwe, futhi ngaleyo ndlela kuhlangatshezwene nakho kakhulu izimo ezengeziwe, bathole isinxephezelo ngenxa umonakalo kungaba umshwalense wakho, njengoba umsebenzi umthetho "umonakalo oqondile". Ngaphezu kwalokho, uma umonakalo akuyona ezingaphezu kuka-50 000, kulesi simo Awudingi ngisho ukubiza amaphoyisa womgwaqo, futhi ingasetshenziswa okubizwa ngokuthi olandelwayo European.

Ukucutshungulwa kwezicelo isinxephezelo yinkampani yomshuwalense kubhekwa izinsuku akukho engaphezu kwengu-20, futhi kubalulekile ukucabangela ekuklanyweni inqubomgomo, kanti uma unanoma enkantolo Rosgosstrakh (CTP). Izibuyekezo wabanikazi inqubomgomo bathi ngokuvamile kakhulu ukubambezeleka eside kokucubungula icala ekugcineni kuholela yokuthi inkampani sekulula kakhulu ukuthatha lokukhokha ngokugcwele uma wayeke wenqaba ukunikeza it. Akufanele sibakhohlwe ukuthi ngalunye usuku ukubambezeleka inkampani yomshuwalense kuyodingeka bakhokhe inhlawulo esibalelwa 1/75 ingxenye refinancing we Central Bank of inani umonakalo.

Imikhawulo, okuyinto yethulwe ngesikhathi mkhawulo Imihlomulo yomshuwalense ngokuvamile zibangelwa ukukhubazeka ezingeke amboze yonke imali ababeyitholile umonakalo isibopho sezomthetho ithuluzi umshwalense Rosgosstrakh. Ukukhulunyelwa komBhalo kungase kuqashelwe ukuthi uma imiphumela ukwehluleka phansi kakhulu, khona-ke wonke umehluko phakathi umonakalo futhi ukukhokhelwa kusukela inkampani yomshuwalense kuyodingeka ukubuyisela ngokwabo. Kungenxa yalesi sizathu-ke Kunconywa ukuba ubhalise njengomuntu inqubomgomo eyodwa DSAGO ezengeziwe, okuvumela ukuba akhokhe kunoma isiphi isimo.

Ingabe konke elula?

Uma uthi nhlá, abantu abaningi bacabanga ukuthi kukhona cishe akukho "gotchas" uma ziqhathaniswa Hull, kodwa eqinisweni, ngisho noma lokhu kunjalo, akufanele zokuphola kukhethwa inkampani yomshuwalense okunokwethenjelwa ngempela futhi wemfanelo, ngoba akekho ngeke sikwenze esikhundleni sakho. Uma ngokungazelelwe uzithola obhekene ingozi, uzodinga ukuvikela ngokugcwele, futhi akukho umehluko indlela eyosiza umshwalense noma cha - inani iqembu elimele kumele ikhokhwe ngokugcwele, ngakho isibalo sabantu ababulawa e inkampani yomshuwalense Rosgosstrakh. Uphenyo CTP bathi le nqubo kumele wasondela kahle, uma ufuna usizo ngempela kusuka umshwalense wakho uma kwenzeka zimo.

Futhi uzinake Kuyaphawuleka ukuthi kunoma yisiphi isimo, ochwepheshe batusa ukuba ukhethe izinqubomgomo nge inani elilinganiselwe abantu yomshuwalense, njengoba kuvumela ukulondoloza kunqubomgomo ikhishwa.

Yiziphi izinzuzo Rosgosstrakh?

Ngu uqobo, inkampani ibilokhu kulo mkhakha engaphezu kwengu-90, ngakho-ke iqinisekisa ezingabizi kakhulu futhi izinga umshwalense, kungakhathaliseki ukuthi unesithakazelo - DSAGO, CASCO noma MTPL umshwalense. Rosgosstrakh, ukubuyekezwa uqinisekise lesi, isimiso, kwenza izinkokhelo cishe njalo, kodwa kukhona izinkinga eziningi mayelana nenani, kanye zonke izinhlobo izaphulelo kanye namasevisi eyengeziwe, olokuqala engasekelwa ucatshangelwe, kanti eyesibili - kuthiwa ozibekile, kodwa kuyaqabukela enikeziwe.

muva Inkampani lasungula ukubhaliswa electronic umsebenzi inqubomgomo kanye nokwesekwa kwekhasimende. Liphinde uthi okwashiwo inkampani Rosgosstrakh. CTP kulokhu iqukethe yogesi, futhi kamuva kuzoxoxwa evumelekile ngendlela efanayo njengoba izinga iphepha document, kwanele nje uzitholele.

Usifaka kanjani isicelo?

Ngisho noma kakade ukuthathelwa umshuwalense MTPL inkampani, ungakwazi ukuthenga le nqubomgomo futhi, esamukele incwadi electronic ngokusebenzisa ingosi engokomthetho inkampani. Mane ugcwalise lesi idatha, ukudala ku-akhawunti yakho futhi ube umyalo wokukhokha, ngemuva kwalokho bazonikezwa inqubomgomo electronic umshwalense. Ngaphezu kwalokho, inkampani futhi inikeza amakhasimende ayo ithuba ukubhalisa CTP inthanethi, kodwa kamuva wamukela idokhumenti iphepha isivele omunye ehhovisi omele edolobheni lakho.

Kuyaphawuleka ukuthi okwamanje ukuthengwa inthanethi yomshuwalense benethuba idokhumenti iphepha inikezwa kuphela izakhamuzi dolobha Petersburg, kuhlanganise izindawo kweminye yale mizi.

Uma ungajwayele ukusebenzisa ikhompyutha noma musa uthanda le ndlela ukuxhumana, kulesi simo ungavakashela kwelinye lamahhovisi eziningi ezweni lonke kungakhathaliseki ukuthi idolobha lapho ukhona. Ngaphezu kwalokho, inkampani futhi inikeza inkonzo ukubiza womshuwalense ehhovisi noma ekhaya, ngubani uzophendula noma imiphi imibuzo yakho, kanye ukuthatha umshwalense endaweni uma isidingo. Ungaphinde ucele mayelana MTPL izinkokhelo uma ingozi (Rosgosstrakh). Izibuyekezo yebo, uzokutshela imininingwane eyengeziwe mayelana nenqubo, kodwa ejenti, ungafunda imithetho eyisisekelo futhi ufunde izici inkontileka ngawe.

Kuyaphawuleka ukuthi, okwenza umshwalense, awazi nje uthole ephepheni, futhi banelungelo lokuthola inkokhelo kwenzeka ukuthi abe yisisusa ingozi. Online service ivumela izinkampani ukwenza inqubo njengoba ukhululekile futhi esheshayo njengoba nge-akhawunti yakho kwi website esemthethweni, ungahlala hlola isimo Paymaster icala noma wenze isitatimende sokuthi umcimbi kwesamba kwenzeka.

izinguquko Iwusizo emthethweni

Kunezinhlobo eziningana izichibiyelo esebenzisekayo umthetho kubhekwe inqubo yokubhaliswa inqubomgomo:

• esiphezulu kungenzeka ukulinyazwa kwempahla 400 000, kodwa lesi simiso sisebenza kuphela esivumelwaneni sokuthi ziye sikhishwe ngemuva 10.01.2014;
• esiphezulu kungenzeka umonakalo empilweni noma ukuphila ngemva kwengozi kuze ruble 500 000, kodwa leli lungiselelo lubalulekile kuphela izinkontileka ababulawa ngemva 04.01.2015;
• isinxephezelo kungadingeka ku umshwalense wakho uma izingozi abahlanganyeli abantu ababili kuphela, futhi ngesikhathi esifanayo umonakalo kwabangelwa izimoto kuphela, kanti kwezinye izimo, kakade isicelo ngqo enkampanini yomshuwalense we umuntu ibangelwa yengozi;
• esiphezulu lemali okungadala umonakalo, owawuthi kungenzeka ukuxhumana inkampani yomshuwalense ngaphandle isidingo ushayele amaphoyisa womgwaqo, kuyinto ruble angu-50 000, uma bobabili abashayeli izivumelwano MTPL kwasayinwa emva 02.08.2014;
• elithi zokuhlala yonke imibuzo emva kokuthola isicelo ezinsukwini ezingu-20, nokubala iqala ngokushesha ngemva kokusiza abafundi bakhe ephelele imibhalo iphakethe, futhi ngalesi sikhathi inkampani kufanele athumele nokwenqaba wabonisana ukunikeza isiqondiso ukuze ulungise noma afeze yokukhokha;
• uma inkampani yomshuwalense kukhona inkontileka nge yesondlo esiteshini professional, kulesi simo, isisulu Ungakhetha phakathi imali ngokushesha lokukhokha, kanye isiqondiso imoto yakhe iyokhandwa kwenzeka ukuthi inkontileka CTP ukuba balandele 09/01/2014.

Le mithetho ukusebenzisa ngisho uma ungenawo akhiphe inkampani Rosgosstrakh CTP. impendulo kwamakhasimende kusikisela ukuthi ukugujwa kokuthwasa imithetho ngamunye uzodinga ukuqaphelisisa ngangokunokwenzeka ukuze uma kwenzeka noma yimuphi umbango wena kwaba lula kakhulu ukuvikela udaba lwawo.

Ngu uqobo, ithuluzi umshwalense icala liyisici kumele, ngakho ukulidonsa udinga ukuba noma kunjalo, kungakhathaliseki ukuthi ukhetha Rosgosstrakh, noma kunoma iyiphi enye inkampani. Kulokhu, kubalulekile ukucacisa ukuze ukhethe umshwalense okunokwethenjelwa ngempela, okuyinto uzolunga ukuqonda esimweni ngasinye futhi ukukubuyisela imali yakho ngokuhambisana nomthetho.

Kunoma ikuphi kunconywa izinqubomgomo Thenga izinkampani eyaziwa ngempela kuphela, njengoba izibalo wabonisa ukuthi cishe 2% of yengqikithi izinqubomgomo kukhona fake (umthombo - Rosgosstrah, CTP, DHB). Izibuyekezo yayivame ukuthi uma ukuthengwa kwepholisi e inkampani engaziwa kwangathi wena bagcina ukulahlekelwa amandla kakhulu, imizwa kanye nesikhathi uma kwenzeka ukuthi uma kwenzeka engozini yemoto wathola yokubhalisa elingalungile noma olungavumelekile umshwalense.

Uma ungaqiniseki ngokufanele ubuqiniso inqubomgomo yakho umshwalense, ungabheka it out ngisho inthanethi ngokusebenzisa website esemthethweni PCA.

Futhi khumbula ukuthi CTP ayiwavikeli imoto yakho, ivikela kuphela umthwalo wakho abanye abashayeli. Ngakho-ke Kungcono ukubhalisa eceleni njengoba umshwalense ezengeziwe CASCO.