KBM - kuyini? Ibhonasi-malus Coefficient ngoba CTP

Bonke abanikazi bezimoto ngesisekelo umthetho "Ngo umshwalense ayimpoqo" baphoqelelwa ukuba ukuthathelwa umshuwalense zimoto, okusho ukukhipha Inqubomgomo MTPL. Russian Federation Uhulumeni ivume yamanani for ayimpoqo umshwalense motor TPL. Kukhona isilinganiso isizinda kanye nesethi okuza, ezisetshenziswa ekubaleni intengo inqubomgomo. Ngeke ukuchaza ukubaluleka kwazo zonke okuza.

Ngakho, i-MSC - kuyini? Iphuzu eliyinhloko liwukuthi uma umshayeli iya endleleni ngaphandle ingozi ke ufanelwe izinzuzo lapho wenza isivumelwano yomshuwalense. kungenziwa Ngesikhathi esifanayo ngale nqubomgomo izindleko factor anda. Lokhu kungaba icala uma umshayeli kuba kumuntu osonile enecala engozini yemoto.

Ubuqili nephuzu ibhonasi-malus

Ukuze uqonde kangcono okushiwo, umshayeli kumele uqaphele okulandelayo: umshayeli KBM akuyona enamathiselwe imoto yakho.

Ngokwesibonelo, ukusidayisa imoto ukuthenga entsha. Ibhonasi-malus uzoqhubeka kuze kube isikhathi lapho ungangeni isivumelwano esisha kwi-CTP. Izimoto edayiswa Juni, futhi ngo-July wathenga entsha. Inqubomgomo isebenza kuze kube sekupheleni konyaka. Ekupheleni konyaka, uyokhokha kancane uma ukwenza inkontileka. Nokho ufisa ukuthenga umshwalense ngoJulayi lapho uthenga imoto entsha. Ngaphansi kwalezi zimo, ungatholi isaphulelo.

By the way, ungafunda MSC ulula. Ukuze wenze lokhu, sebenzisa i-base-X-ray.

Uma uya eminyakeni embalwa, ngaphandle yokwephula imithetho yomgwaqo, Isaphulelo zanqwabelana, futhi ngonyaka owalandela CTP ungazange ekhishwe, isilinganiso ukubaluleka kwakho kugcinwa database omunye unyaka ke zonke amabhonasi wakho sisusiwe.

MSC kanye ikilasi oVikelwe

Uma kuziwa umshayeli mayelana MSC, amanxusa umshwalense zisebenzisa kwencazelo "class of kwesamba." Ngezansi abakuzuzile MSC futhi ekilasini kwesamba abashayeli abahlehla up inqubomgomo ngokokuqala (lezi zimiso kufanele kuthathwe njengendlela yekucala ethebuleni ukuhlaziywa ngezansi):

• MSC - 1.
• 3 - ekilasini kwesamba.

Ake sithi, kwaze kwaphela unyaka, awukaze ingozi, ukuze yonyaka ukushayela ingozi-free, uzothola nokwehlisa 0.5 amaphuzu.

Ngokwesibonelo, umshayeli imfundamakhwela ekuklanyweni inqubomgomo okokuqala wena wabelwe Class 3 umshwalense, okuhambelana ibhansela malus 1 (empeleni akuphazamisi izindleko eziyisisekelo umshwalense). Phakathi nonyaka wesibili ukushayela umshayeli yesibili baba iphathi kule ngozi. Class umshwalense izomashela neyesibili, futhi intengo inqubomgomo luyokhula ngo-40%, okusho ukuthi ratio 1.4.

Kuncike ekutheni ngesikhathi esilandelayo yomshuwalense umshayeli kuyoba ingozi-free ukushayela, angabenza ekilasini lwakhe lwesithathu futhi izindleko inqubomgomo uye encishisiwe.

Kungaphansi kwaziphi izimo MTPL MSC zikhule?

Zicabange eminyakeni embalwa sabe sesiya, angenzi engozini, ukuze ezinqwabelene isaphulelo. Nokho, kulo nyaka uba yilungu yengozi futhi ngenxa yalokho yizo zonke yakho namandla-ups. umphumela onjalo uma ilimale engozini uzoxhumana inkampani yomshuwalense yakho futhi kuzodinga isinxephezelo. Kodwa! Uma kanye izisulu unqume ukukhipha on the spot, izaphulelo Ulondoloze.

Futhi khumbula ukuthi isaphulelo ingathathwa zibe akhawunti kulabo bayizakhamuzi zibhaliswe kwesinye isifunda. Phakathi kwezinye izinto, akunjalo kunakwe lapho trailer umshwalense.

Kangakanani izindleko inqubomgomo, uma kukunikeza abashayeli ezimbalwa?

Uma inqubomgomo MTPL owethulwa abashayeli eziningana ekunqumeni inani layo kunakwe kakhulu ibhonasi-malus.

Ngokwesibonelo, e inqubomgomo wenza ezintathu. Amabili wabashayeli kuba 0.8, kanti eyesithathu - 0.9. Inqubomgomo titawudvwetjwa nge 0.9 isaphulelo kuyoba% 10 kuphela. Uma kulo nyaka ungomunye wabashayeli bophezela zomgwaqo, ukubaluleka Coefficient kuzokhulisa kuphela umshayeli wokona, kanye inkomba asele uzokwehla by 5%.

CTP izindleko inqubomgomo kuncike kakhulu izinga kohambo, futhi inkomba eyinhloko izinga iyona ibhonasi-malus. Ngakho-ke, umbuzo ka "KBM - okungukuthi," kufanele kusho ukuthi lokhu kubonisa esilinganisekayo kwabantu amakhono ukushayela. Bagcine imithetho yomgwaqo futhi, ngenxa yalokho, abe Coefficient aphansi, kanye izaphulelo ke mkhulu inkontileka umshwalense.

Abanye abashayeli basuke insured CTP izinyanga 6-9. Lapho kokubala izindleko yesivumelwano esithathwayo ukubala ibhonasi-malus elilodwa. Lapho isandiso kwenqubomgomo yenani isikhathi lilondolozwe kungakhathaliseki inkampani, lapho design inqubomgomo.

timo letisisekelo ukusetshenziswa MSC

Ngakho, i-MSC - kuyini? Indlela ibalwa ezimweni ezahlukene?

izinqubomgomo CTP zihlukaniswe izinhlobo ezimbili, ngayinye yaba has izici zayo siqu.

1. Ifomu elilinganiselwe umshwalense. Kulesi hlobo zokuphepha sici ukuthi imingcele kunombolo bashayeli abangafuni ukuthobela Unelungelo ukusebenzisa lolu imoto. MSC izobalwa umshayeli ngalinye ngokuhlukile.
2. uhlobo Unlimited yomshuwalense. Ngaphansi kwalezi zimo, inani abashayeli umshwalense ngubani anelungelo ukushayela imoto, angenamkhawulo. Isigaba kwesamba futhi ukubaluleka Bonus-malus kuchazwa kuphela umnikazi imoto futhi isimo ukuthi isivumelwano odlule kwaba yohlobo olufanayo, okungukuthi, angenamkhawulo. Uma kutholakala ukuthi kumele ukuma idatha yoqobo umshayeli kanye nemoto, bese lapho kubalwa izindleko inqubomgomo ngeke kucatshangelwe ukubaluleka MSC CTP elilingana 1.

Nokho, zikhona imithetho ukuthi afake isicelo kokubili izivumelwano:

• Uma unqamule isivumelwano nenkampani kusengaphambili, ngenxa kwakho ukuthatha lesi sinyathelo, isaphulelo on izindleko inkontileka kuyodingeka akunamthelela ubude besikhathi ukuthi iphazamisekile. Lokhu kuchazwe iqiniso lokuthi nenkathi yenkontileka unyaka owodwa, ngakho-MSC ibalwa ngesisekelo mibandela. Zonke izenzakalo oVikelwe ezenzeka ngesikhathi esingaphansi konyaka, ngeke icabange amabhonasi. Lapho kubalwa kuzothatha abakuzuzile okuza, esasivutha ngesikhathi yesivumelwano odlule.
• Omunye umcimbi insured - inkokhelo umshwalense. Ibhonasi-malus Coefficient yokukhokha ngalinye kubhekwa eceleni, kungakhathaliseki ukuthi bangaki abantu wathola ukukhokhelwa umshwalense.

Kuleso simo, MSC zingandiswa?

Uma umshayeli is ezisohlwini izinqubomgomo eziningana, enye yazo inomlando "okubi", ukubaluleka Coefficient zingandiswa. Ngaphezu kwalokho, ukwanda MSC kungathinta yokufuna Inqubomgomo icala zamanga MTPL.

Inani ibhonasi-malus ngoba pholisi ngamunye esisekelweni Russian Union of Auto izinkampani zomshuwalense Imininingwane (SAR) noma inkampani lapho une inkontileka umshwalense. Ukuze uthole ukuthi yini MSC yakho ngesisekelo the PCA, kuzomele uxhumane inkampani yomshuwalense lapho inqubomgomo kubhaliswe.

Kanjani MSC zingancishiswa?

Kubalwa izindleko umshwalense CTP eza isu elilula - intengo base esithathwayo futhi siphindwe MSC. Ukuze kuncishiswe Coefficient ibhonasi-malus, kufanele ukuba ubambelele le mithetho elandelayo elula:

1. Qaphela endleleni, ukushayela ngaphandle ingozi.
2. Nikela emigomweni MTPL abashayeli ukuthi ogibele yami Ufanelwe ithemba lakho yini, banayo umuzwa omuhle ukushayela futhi uqiniseke bomsebenzi wabo.

Yini okumele uyenze uma ungaqiniseki of ngokunemba ukubala MSC?

Kufanele uqale bangena esivumelwaneni yomshuwalense kanye MSC, onikeza ngomshuwalense ngawe, kodwa ukuthi imibuzo. Hlola ngesisekelo MSC akuthathi isikhathi esiningi.

Khona-ke udinga ukufaka isicelo Union of izinkampani zomshuwalense nge isikhalazo mayelana ukuzimisela emthethweni we-MSC. Ukuze wenze lokhu, kufanele ulungiselele eziningi imibhalo:

• Isitatimende.
• Amakhophi zokushayela, abalwe kwinqubomgomo.
• Ikhophi umshwalense inkontileka odlule.
• ikhophi samanje inkontileka umshwalense.

Uma umphumela isikhalazo, udaba lwakho zizoxazululwa ngendlela eqondile, uzophumelela Unelungelo isivumelwano umshuwalense entsha ne kubuye ngokweqile.

Ngamafuphi. KBM - kuyini? Empeleni, kuba inkomba womuntu izinga ukushayela, ngawo izinkampani zomshuwalense kungenzeka noma wenze Isaphulelo okuhle lapho wenza Inqubomgomo MTPL (uma ngesikhathi umshwalense, uhambile ngaphandle ingozi), noma okuphambene nalokho, ukwandisa intengo umshwalense (ingozi ubungumfazi). Yiqiniso, kuba nenzuzo kakhulu ukuthathelwa umshuwalense imoto wazibonela umshayeli nge ride elingenazinkinga.

Qaphela ukuthi lokhu isilinganiso azifani ngoba imoto umshayeli futhi agcinwe SAR phakathi nonyaka. MSC singafundani ngomshuwalense okwakuphume ofinyelela kuphi up inkontileka.