Lapho kangcono ukukhipha MTPL? CTP nge-Internet

Isiphetho CTP inkontileka kungumsebenzi bonke abanikazi imoto. Lo mthetho Kumiswa esekelwe ukuhlaziywa ingozi umthetho. Akuwona wonke umuntu uyazi ukuthi ikuphi okungcono ukukhipha MTPL. Amasevisi anikezwa izinkampani ezahlukene, badinga kuphela ukuze ukhethe izimo ezifanele.

umthetho

Incwadi zomthetho ezibaluleke, okuyinto ichaza MTPL umshwalense umehluko wemisindo nemiqondo yamagama, kuyinto zoMthetho Federal "Ngo oyisibopho kuhilele ecaleni elimayelana nezakhamuzi umshwalense abanikazi imoto". Dedela Mthetho okukhulunywe Apreli 25, 2013. Kamuva ukulungiswa benziwa yokuthuthukisa ukuxhumana namakhasimende.

Ngesisekelo iziqondiso idokhumenti kuyacaca ukuthi umshwalense kufanele kube impoqo. It liyadingeka ukuze kugwemeke izingozi womgwaqo, ukugwema esimweni ukwephulwa wemithetho nezindleko. Inkampani yomshuwalense uthembisa ukuvikela izimali zangaphandle abalimala.

Bonke abanikazi imoto kufanele kuhambisane nemithetho yesivumelwano. Uma isikhathi akazange aphethe ngokuthi njengesijeziso kulandele bokuhlukaniswa amalungelo. A yokutakula kwenzeka kuphela ngemva kokuthola amaphepha adingekayo, ikakhulukazi CTP.

Izibuyekezo basikisela ukuthi kungcono ukukhipha inqubomgomo ngokushesha, njengoba umnikazi imoto linqume izinhlawulo. Abaningi bakholelwa ukuthi kungcono ukusebenzisa izinkampani efakazelwe. Iningi lazo ahlinzekwa izimo ezikahle. abanikazi abaningi belulekwa ukuba ngokushesha akhiphe futhi Hull ukugibela kwaba ukuzola kakhulu. Le nqubomgomo kudinga isinxephezelo ukulungisa imoto yakhe.

Izinhlobo Insurance Companies

Lapho kangcono ukukhipha MTPL? Njengoba umshwalense uyisidingo, udinga ukukhetha inkampani efanele. Zonke izinkampani abasebenza ngesisekelo uhlelo olulodwa, kodwa akuzona zonke izinkampani zinokwethenjelwa futhi efanele imisebenzi yabo. It unikeza izimo ezikahle "Ingosstrakh CTP", "Rosgosstrakh", "ukuvuma". Udinga ukukhetha izimo ezifanele.

kungase kutholakale kuphela izinkampani ukuthemba imvume CTP. Izibuyekezo wabanikazi umshini abonisa ukuthi kukhona izinkampani ezimbalwa ithembekile, Ungasingatha ngokuphepha. Ukuze labo zihlanganisa:

• "Rosgosstrakh": inkampani beyisungulile uhulumeni, ngakho-ke ezithembeke kakhulu, yabelana emakethe 35,83%.
• "Alfa Insurance": Le nkampani ingenye okungcono ngenxa imisebenzi kahle, izibuyekezo ebufakazini obutholakalayo kwamanani amasevisi.
• "FAC": inkampani isebenza iminyaka engaphezu kwengu-20, futhi phakathi nalesi sikhathi kwaba ukusebenzisa amasevisi eziningi abantu.
• "Imvume": ngokuqinile usebenza nge izinhlangano ngokomzimba futhi esemthethweni, ngaphandle CTP, eyenziwa nezinye izinhlobo umshwalense.
• "Renaissance Insurance": inkampani, noma kukhona oku kangaka, kodwa wakwazi ukunqoba ukuqiniseka abanikazi imoto.

Ngaphandle kwalezi amafemu, izinkampani zomshwalense kanye nezinye umsebenzi. Isibalo ejensi yokulinganisela zihlanganisa "Ingosstrakh CTP", "Uralsib CTP" SOGAZ. Yonke indawo ukunikela kwezimo ezifanayo, kodwa kunomehluko. Kubalwa izindleko CTP kufanele kwenziwe ngesisekelo umthetho.

Lapho kangcono ukukhipha MTPL, umnikazi imoto kufanele unqume ngokuzimela ngesisekelo izimo ezifanele ke. Ukuze wenze lokhu, kuzomele uqale uzijwayeze ulwazi amasevisi anikezwa.

Ilungelo ungenwa

Ezicashile isiphelo sesimiso MTPL inkontileka kulawulwa Central Bank of Russia. izinguquko ezithile kule nomthetho, futhi lokho amalungelo kungani izinkampani zomshuwalense aye akhula:

• ithuba lokuhlinzeka izaphulelo amakhasimende, kanye ukwanda ukubaluleka inqubomgomo;
• indlela esinobunye ekuhloleni umonakalo;
• kukhona database ne ulwazi umlando umshwalense abanikazi yezokuthutha;
• ukuhleleka okubhalisa idokhumenti ngogesi.

Wonke umnikazi imoto unelungelo ukuthola ulwazi ezindabeni umshwalense. Yekuchumana ayatholakala ehhovisi futhi kwi-website esemthethweni.

ngokusebenzisa i-Internet

Manje kungenzeka ukukhipha MTPL kuya ku-intanethi, futhi akadingi ukuya kuphi. Emva kokuthenga i-imeyili ifika idokhumenti ukuba thwebula. Kusayithi ungakwazi ukubala izindleko CTP.

Ngenxa obhekwe kwemibhalo electronic abasebenzi DPS ungabheka it out ngaphandle inqubomgomo iphepha. Futhi ngosizo amakhamera kuzolungiswa ngokungabi umshwalense ngenani emotweni.

izinqubomgomo Electronic baba etholakalayo ezweni lakithi kusukela ngo-2015. It enikeziwe ithuba lokukhetha inkampani efanele, kanye ukukhipha idokhumenti endaweni ukhululekile. Thola CTP nge-Internet esizeni esemthethweni izinkampani ezikhethiwe. Inkokhelo nge-credit card kanye ethandwa amasistimu wokukhokha.

imibhalo edingekayo

Udinga ukunikela isitatimende isampuli ezivamile. Ukuze inqubomgomo kudinga nokulungisa amaphepha:

• iphasiphothi;
• Isitifiketi ukuphathwa yezokuthutha;
• idatha yomkhiqizo;
• isitifiketi sokubhaliswa kanye amaphoyisa omgwaqo;
• ikhophi ikhadi zokuxilonga.

ukubhaliswa okuyimpoqo ongakhetha eshibhile

Lapho kangcono ukukhipha MTPL ukulondoloza? Izinkampani zemishuwalense ukwandisa ubungako izinkokhelo. Lokhu kubangela ucabanga amafemu, okuyinto waphawula phakathi tetemnotfo. Lokho inkampani kwakukhona ezikhathini ezinzima, yayisebenza amasevisi nge izimo ezikhangayo.

Kuphela nje qaphela sokumazi nezimiso CTP. Uma izindleko inqubomgomo ezincane, ngeke ukumboza izingozi, futhi empeleni izindlela kumele yakhelwe ukwenza ukulungisa ephelele imoto uma ingozi. Ngakho-ke, kufanele yini sincike ongakhetha eshibhile, ngoba kufanele kwentiwe kunoma yimiphi imibandela.

CTP izindleko

Uma unesithakazelo lapho ukudweba CTP e Moscow, udinga ukuvakashela izinkampani eziningana ezithandwayo bese ukhethe esasifaneleka. lokukhokhisa Basic ivume umthetho, kodwa kukhona izinkampani eziningi ulele noma amanani ecindezelekile.

Hlangana nokhunye main ezithinta intengo nqubomgomo zifaka lokhu okulandelayo:

• amandla injini;
• beka ukubeka izimoto ngenxa;
• yobudala yomnikazi;
• ukushayela isipiliyoni;
• umkhuba.

Kungcono ukukhetha CTP izinyanga 10, ngenxa yalokho akudingeki ukuba akhokhe imali eyengeziwe. Izinga eliyisisekelo ilingana ruble 3432-4118.

Ithola umshwalense premium

Inkampani yomshuwalense ku isicelo wavula icala ngoba ngomonakalo owenzeke, isibonelo, ngesikhathi kwehla ingozi. Abasebenzi enze luhlolo yabo ngalesi sigameko. Qiniseka ukuthi inake wonke umehluko wemisindo nemiqondo yamagama, imininingwane yomcimbi, idatha abathintekayo ngabanye.

Umuntu kwesamba kufanele wazise inkampani ngokushesha uma kwenzeka. Kungcono ukusebenzisa ngokuhambisana nomthetho evunywe axube yonke imibhalo. Isinxephezelo ibalwa emva kokuhlola umcimbi insured. Isamba ruble angu-50 000 ngokuvamile esihunyushwa ngokuthi ngaphandle nobunzima.

Isinxephezelo kumele sikhokhwe uma:

• 1 kwaba izimoto ezilimele;
• zombili ube inqubomgomo MTPL;
• kule ngozi ababambi qhaza izimoto 2.

Umshwalense isinxephezelo wathola umuntu elimele, ngakho-ke kuvezwa isitatimende. Ngezinye izikhathi inkokhelo esikhundleni ukugcwaliseka umsebenzi wokulungisa.

Kukhethwa inkampani yomshuwalense

Lapho ekhetha inkampani, sinake izinkomba ezilandelayo:

• Isilinganiso yenkampani uma ezingeni yenkampani eliphezulu ngokuthembeka, ke njalo okhokhela isinxephezelo, futhi uthola umsebenzi efanele;
• inhlokodolobha ogunyaziwe: izinqubomgomo kumele ithengwe lapho inhloko-dolobha ogunyaziwe kuyinto ruble angaphezu kwezigidi ezingu-500.
• wokusebenza kwezimali: bahlanganisa ukubaluleka amabhonasi kanye izinkokhelo;
• ukukhangisa: kungcono ukugxila yangempela izibuyekezo zamakhasimende, ngisho nenhliziyo engcono kakhulu abangane, futhi hhayi ku-ividiyo ku-inthanethi noma ithelevishini;
• izimo: kubalulekile ukufunda yonke imininingwane isevisi.

izinkampani zomshuwalense Professional abasebenza kahle. Ochwepheshe njalo ukweluleka amaklayenti abo ezindabeni kwezinhloso zenzuzo. Endabeni umshwalense ngempela evivinywa, futhi izimali zidluliselwa ngokushesha iqembu elimele.