Inishuwarenzi rokumanikidzirwa: chii magwaro inodiwa? Rokumanikidzirwa kunyoresa

Ndechipi CTP, aizivikanwa ose muridzi motokari, nekuti, kanenge kamwe pagore, anofanira kutaura kambani yacho inishuwarenzi nokuda kwayo kuurayiwa. MTPL Gwaro compensates nokuti muchairi iri huye mari kunobva zvisingafadzi ezvinhu mumugwagwa, kureva, tsaona, saka zvakakosha kuti panguva pacharo aigara inishuwarenzi CTP. Chii magwaro anodiwa uye sei vachava kubhadhara - mibvunzo iyi nguva dzose kushanda. Edza kunzwisisa.

Chii unofanira kugadzira mutemo?

Vatyairi vakawanda vanofunga kuti kunyoresa MTPL inishuwarenzi zvakakwana yakareba, asi hazvisi. Nokuti kuguma chibvumirano pakati inishuwarenzi kambani vasanangurwa uye insured vachada zvinoverengeka magwaro.

Zvisinei, havana havazofaniri refu kuunganidza uye vanopedza nguva ino inokosha, vatyairi kazhinji nguva dzose newe. Saka, kuti vapinde chibvumirano CTP, unofanira kupa zvinotevera magwaro yepakutanga.

Car magwaro

Izvi Kazhinji kana gwaro kunyoresa motokari - HFS (aizivikanwawo "blue kadhi"), kana motokari kunyoresa gwaro - MTS (mu vanhu - "mutema"). Zvinyorwa izvi anoratidza hwokugadzira Data motokari, uyewo dzinokosha Data ari muridzi - zita, kero.

Identity chinyorwa

Kazhinji ndiwo Russian pasipoti - muridzi motokari. Kana insured uye muridzi - chakasiyana munhu, kuti insurer unodiwawo pasipoti.

Blank kupfuura rokuongorora motokari

nhepfenyuro vari kuitisa hwokugadzira rokuongorora motokari, muridzi kadhi chirwere, rine mashoko pamusoro motokari, musi varipo uye nezveramangwana kuongorora. To CTP inishuwarenzi kwave akagumisa, unofanira kuva chikonzero chirwere chati. Zvinofanira kunge paine kweinenge mumwe 24 maawa.

Vatyairi vakawanda, achida kuponesa mari dzavo, dzivisa nepamahofisi rokuongorora uye edza kuti nguva chekucheresa magetsi CTP unoongororwa, asi kuti ape mutsva, kana kukanganwa, kana vasingadi. Rangarirai kuti chiitiko petsaona, kana Database pasina umboo pamusoro hwokugadzira rokuongorora yacho motokari, kambani yacho inishuwarenzi inogona kuramba kubhadhara.

rokutyaira rezinesi

Gwaro iri kunodiwa kana chibvumirano CTP chinhu zvishoma mazita vatyairi. Uye zvakakodzera zvitupa vatyairi vachapiwa akapinda muna inishuwarenzi itsika. Mune imwe nyaya zvakanyanyisa zvinokwanisika kupa makopi wavo. Zvakakosha kuziva kuti nhamba vatyairi vane kodzero kutyaira motokari, haagoni kupfuura vanhu vana. Zvikasadaro, unogona kuronga inishuwarenzi pasina kurambidzwa. Kana inishuwarenzi chinotivhiringidza chitupa chokutyaira haina kuzvireva.

Mune zvimwe zviitiko, vamiririri kambani yacho inishuwarenzi kungada chibvumirano waakazvitengesa kana zvimwe zvinyorwa. Asi ichi ndicho Kusara pane mutemo.

Chete pashure zvose unofanira kugadzirira, rinogona rakapa MTPL inishuwarenzi. Chii magwaro anodiwa kuti ichi, munoziva, saka matambudziko vasimuke. Anotevera mubvunzo unomuka panguva muridzi motokari, "mari yakawanda sei kubika?"

CTP mutengo

Mufaro hakusi yakachipa pashiri, asi nyaya negwaro achiri zvakakodzera. Muchiitiko chino, kuwana kutyaira kunova akachengeteka. Pashure pezvose, pasinei chokwadi mutyairi mune professionalism yake, wakange asina yokutyaira ruzivo, mamiriro ezvinhu akasiyana. Kunyange mumwe miniti, panguva iyo mutyairi akatsauswa zvinogona mutsaona. Naizvozvo isingadhuri achiri kuti ape mutemo, pane kubhadhara yokugadzirisa ukama motokari.

CTP kukosha Verengai pechingoro mwero kane nokuwanda coefficients. The kunonyanyisa garo mwero kuti zvakasikwa vanhu ndiko 4118 rubles, yakadereresa 3432. Insurance makambani vane kodzero yokugadza yavo chawo, saka mutengo mutemo kungava siyanei.

Kuwedzera kune zvinhu vanobviswa paunoronga pakuverenga mari inishuwarenzi makambani aidawo kupa mutyairi kuona, izvo inowaniswa kwaari kuti tsaona isina gore dzose uwandu 5%. The Data huri rimwe Database uye hakubvi pamusoro Zvinosarudzwa insurers. Ikozvino ngatitaurei zvakawanda pamusoro coefficients.

The coefficients pamusoro Zimbabwe tariffs inishuwarenzi

Zvinotevera coefficients pamusoro Zimbabwe tariffs inishuwarenzi.

1. Nharaunda pre-emptive kushandisa motokari.

Pakutsvaga nzvimbo dzokugara pamusoro muridzi TC. Akatasva CTP mutemo, semuenzaniso, Moscow coefficient akaenzana 2, pamusoro Irkutsk 1,7, asi muna Sebastopol 0,6 chete.

2. zera uye ruzivo mutyairi.

Kana mutyairi ari makore vaduku pane 22, uye ruzivo ake kwemakore anenge matatu, kana kuti chinhu ichi vamwe mhando yoga, asi pangozi zvinoshanda mukati 1.6-1.8.

3. kuwanda vanhu vakabvuma kuti kutyaira.

Kana inishuwarenzi mutemo asingagoveri rairambidzwa nhamba vatyairi, uyewo inowedzera coefficient rinoshandiswa, akaenzana 1.8.

4. Car Power muna HP

Mukuru simba, kunokonzera coefficient. Somuenzaniso, coefficient kureva muzasi mwero kuti motokari inokwana 135 zvapano ndiyo 1,4. Kusvikira 50 zvapano - 0,6.

5. Nguva kushandiswa.

Chaizvoizvo muridzi anopedzisa MTPL gwara rimwe gore. Chinhu ichi nyaya akaenzana kubatana. Asi kana imi kugumisa inishuwarenzi kwemwedzi mitanhatu, ipapo kubhadhara 70% of mari mutemo kuti gore, kureva, nhamba yaizova 0,7.

Ndizvo zvose zvinhu vanobviswa paunoronga pakuverenga kukosha mutemo. Usakanganwa pamusoro aivapo kupa. Kana iripo kubva muridzi, asi haina kufungwa, zvingasava kushanda uye inishuwarenzi CTP. Chii Zvinyorwa inodiwa kuzosimbisa dhisikaundi? Chete rezinesi rokutyaira kana kana inishuwarenzi, pasina kukamurwa, muridzi pasipoti yacho motokari.

Pashure kuverenga nyaya ino, mumwe policyholder uchawana mashoko anokosha pamusoro mutengo zvikonzero, mitemo ichishanda pamasikiro mutemo. Munoziva zvakakodzera chinhu - inishuwarenzi CTP, chii zvinyorwa zvinodiwa, zvino kuzivikanwa. A nomazvo policyholder, uyo anoziva zvose, haana kumhanya kupinda matambudziko kana iwe kuti itsika. Uye kunze, rinoita kuremekedzwa insurers, nekuti pamwe ruzivo vanhu anogara nerujeko kubata nadzo.