Chii kusarudza: CTP kana Chikomo? Ndoupi musiyano?

All varidzi munyika ino rimwe gore motokari nezvinoda kudiwa kuti ape inishuwarenzi repair. The chikuru inishuwarenzi pasuru nokuti motokari varidzi vari MTPL kana Chikomo. Mumwe nomumwe wavo ane zvakasiyana kushanda, mumwe mhando inishuwarenzi mutemo unoti, uye mumwe - evasingatombonamati yokuzvidira. Chii unofanira kusarudza kana waita mutemo - MTPL kana Chikomo? Musiyano uri pakati izvi mhando inishuwarenzi?

The musiyano package inishuwarenzi

Gwaro iri motokari inishuwarenzi kuti unofanira kuva nhaka ose mutyairi uye kuratidza kuti zvakafanira, pakutanga motokari mapurisa. Kana tikatarisa mutemo, tinogona kuona pakarepo kuti pamberi pedu - uye Hull CTP. Musiyano uri pakati kwemarudzi aya inishuwarenzi?

A4 gwaro pamwe siginicha pamusoro CTP inishuwarenzi mutemo unonzi inishuwarenzi zvairayirwa. Anofanira kuva nhaka zvose, anofamba motokari yake. Zvinokosha mabasa inishuwarenzi mhando iyi, tinofanira kuwana kubva pagore pamusoro nevamiririri inishuwarenzi. Hull - chokuzvidira inishuwarenzi mhando. Imhandoi chibvumirano pamwe UK anofanira akagumisa - MTPL kana Chikomo? Kuti tipindure mubvunzo uyu, tinofanira kuva zvakawanda kunzwisisa zvinoitwa nomumwe mhando inishuwarenzi.

Chii chinoratidza CTP?

Chaizvoizvo, kwakadai inishuwarenzi car anodzivirira haana motokari kana utano rokutyaira, uye yevagari kuita mumwe mugari iri chiitiko chomugwagwa tsaona. Zvinorevei?

Mune chiitiko petsaona, chaikonzera uko insured kubudikidza CTP muridzi motokari, kukuvara njodzi vanhu vachange ndanyarara hangu kwete mutyairi uye boka inishuwarenzi. Panyaya iyi, kuti kukuvadza pamusoro chaikonzera motokari, haangavi refunded. Saka, CTP kutya zvisingazivikanwi vanhu nepfuma yavo, kana zviito mhosva vachaitwa yavo pakukuvadza. The kunonyanyisa Huwandu inishuwarenzi muripo inodzorwa panguva zvemitemo chechetere. Pari zviri 400 zviuru. Rubles. At simba kukuvara kana rufu munhu uwandu muripo anogona kunge yakatokura. Asi mune zvimwe zviitiko, kambani yacho inishuwarenzi anekodzero kuwanazve muripo wabhadharwa tichiregeredza CTP payer.

Apo MTPL indemnify?

Maererano aripo mutemo pamusoro rokumanikidzirwa mubhadharo injini inishuwarenzi achapiwa akuvara chete nyaya mbiri:

• Kana munhu akuvara ari zvekodzero mutsaona yomumugwagwa uye vakawana akakuvara mubato, maererano motokari mishumo. The mhosva bato anofanira kuzivikanwa uye rinoshanda panguva tsaona uye akabhadhara MTPL itsika.
• Kana mutemo anaro wawanikwa mhosva tsaona, asi akanga asina kudhakwa, unofamba zvakakwana uye wakapiwa motokari yake kuongorora - iyi, muripo nevabirwa vacho achaparadzwa inobhadharwa kambani inishuwarenzi. Kana mari processing velveteen wenyu zviuru 10. Rubles, uye kukuvara vanofungidzirwa kuva kashanu zvikuru, vamiririri kambani yacho inishuwarenzi kuchaita dzosera zvakakanganiswa mu uwandu 50 000 rubles, uye mhosva bato haangavi kubhadhara chinhu.

Chii Chikomo?

Taura pamusoro Hull zvinokurudzirwa kutanga mureza mubvunzo wakabvunzwa zvose ruzivo vatyairi: "CTP kana Chikomo - zviri nani kuti mutyairi?" Pfungwa iyi zvakaipa vangasimudzira - chokwadi, asi ndechokuti zvose inishuwarenzi pasuru yacho chokuita michina, mune zvinopfuura chinhu zvakafanana. Kana CTP anodzivirira vehurumende kuita, ari Chikomo insures zvikuru zvaioneka zvinhu - ari inishuwarenzi pasuru zvinosanganisira muripo kuti kuba kana kuvadza motokari. Vose inishuwarenzi pasuru mukwanisi, asi kwete kutsiva mumwe. Saka mubvunzo - MTPL kana Chikomo: chii nani - maturo. insurances izvi kufukidza pfungwa dzakasiyana chaizvo, saka kudzikamisa chero zvinoita kukuvadzwa, vachafanira kubhadhara zvose mutemo.

Kana Chikomo indemnify?

Kuvimba muripo kubva opareta inogona insured pakuparwa nekusimba kuba, kukuvara, kana kukuvara kunokonzerwa kuti motokari. Mune zvimwe zviitiko, muripo utano uye angaverenga akuvara muridzi motokari - kana chinhu kwave yoga hwakasimbiswa chibvumirano pakati inishuwarenzi.

CTP kana Chikomo: chii kusarudza?

Zvino hatichamuzivi saizvozvo zvakaoma kutaura kuti kurovererwa munyika yedu iri chibvumirano rweinishuwarenzi kuita. The pakuunganidza CTP inishuwarenzi gwara rinotungamirirwa dzinoverengeka zvemari masangano. SAR ichi - Russian Union Insurers, uye Central Bank, inova regulator uye mitemo yakasiyana-siyana uye mitemo. Chikomo - evasingatombonamati chokuzvidira neinishuwarenzi. Kupa inishuwarenzi mubhadharo inodzorwa chete nemutemo iri Kudzivirirwa Consumer Rights uye Civil Code of Russian Federation. Naizvozvo, vanotenga kuita inishuwarenzi gwara mudziyo, unogona kutarisira Hull, asi kwete vakutarisire. Policy kuti gwenya inishuwarenzi yokuzvidira hakuiti asingachaiti vaifanira kuwana CTP.

regressive zvinodiwa

Pfungwa regression zvinodiwa zviripo makambani ose inishuwarenzi uye hakubvi hworudzii inishuwarenzi iwe vakashandisa - MTPL kana Chikomo, kana zvimwewo. Mune zvimwe zviitiko, muUK Haaiti kubhadhara inishuwarenzi shoma. Somuenzaniso, kana akakuvadza yacho tsaona vakatiza paitikira tsaona, haana kupa motokari rokuongorora, yave iri mumamiriro kudhaka. Panyaya iyi, mutoro rose mari kubhadhara sezvo nekuripira kukuvadza akatakurwa navanhu mhosva bato.

CTP policies uye Hull hazvo ichisanganisira chibvumirano inishuwarenzi chinhu pamusoro regressive wandei. It rinoti kuti nyaya umo panowanikwa kambani yacho inishuwarenzi inogona kuuya wehurumende chiito vabate uye rakapa muripo shure. Izvi zvinowanzoitika kana:

• zvinenge anoenda paitikira tsaona kusvikira asvika motokari mapurisa;
• It haripi motokari rokuongorora;
• Zviri chidhakwa kana marwadzo kudhaka;
• zvakawanda.

Muzviitiko izvi, pomutumwa inishuwarenzi kodzero kubhadharisa mudare zvizere mari inobhadharwa kuti akuvara (kana iripo nokuda chibvumirano CTP) kana policyholder (pana Chikomo). Kubhadhara musi CTP kana Chikomo kuitika chete pashure kuripwa inishuwarenzi itsika.

Kworudzii inishuwarenzi motokari iri isingadhuri?

Nyaya inokosha rechipiri - mari inishuwarenzi motokari. CTP kana Chikomo - zviri isingadhuri? Tinofanira mwoyo iwe - zvingava isingadhuri kuripira zvakakanganiswa mumwe munhu pane kubhadhara Nokurasikirwa akaita kuti motokari yako.

Tariffs, nokuti rokumanikidzirwa gwenya TPL inishuwarenzi nokudzorwa mamiriro - iri inishuwarenzi makambani probreteniya zvose ezvinhu MTPL inishuwarenzi ndiwo chete, uye Motor Third mumapoka inishuwarenzi kuchakurukurwa mari zvakafanana. Mari Chikomo inishuwarenzi dzaishandisa kumisa pachavo, uye zvinoenderana zvinhu zvizhinji - kubva nokuongorora muenzaniso motokari hijackings kusvika padanho kukwanisa mutyairi.