Sei kuona kirasi mutyairi nokuda inishuwarenzi?

With kuzvimba mutengo CTP vatyairi vazhinji kunzvenga kunyoresa itsika. chisarudzo kwakadaro haagoni kunzi nemaune, kunyange chido kuponesa kunonzwisisika. Pane imwe nzira kwepamutemo yokuderedza mari mutemo - tsaona-isina kutyaira. Pakadaro riri basa kukirasi mutyairi. How kuziva uye zvakanaka kuishandisa, verenga mberi.

prerequisites

Nhasi chinhu zvakadai "mutyairi wacho kirasi," vakawanda vaishandisa "nyaya nyanzvi", uyo aishanda muSoviet Union. Zvino akatanga grading. mutyairi ose vakaedza kuwana kodzero muchikwata 1st. Panguva chirevo ichi wakatangwa Goskomtrud bhonasi kuti muhoro. Zvenguva uye Anozvirumbidza kambani. Nhasi, munhu madikanwa yokupedza kudzidza kwakadaro zvakare. Asi kana ari mukuru, uye vakauya nayo kuna kambani hachigoni kukanzura kare. Izvi Rinopereterwa iri ya. 3.8 "Agreement Federal munzira nenyika zvifambiso."

boka

Sei kuona kirasi mutyairi pasi rekare zano? Vose vaiva vatatu uye vakanga rakava kubva soro kuti rakadzika. Zvakabatsira sehwaro kugovera uwandu yakazaruka Mapato kodzero:

• "A" - motokari senga;
• "B" - mutakurwi motokari;
• "C" - yezvokutengeserana motokari;
• «D» - bhazi;
• "CE" - unorema senga mavhiri.

Sei kuona kirasi mutyairi?

giredha 3

aibata vatyairi boka iri, akanga akazarurwa muchikwata «B» uye «C». Paiva neimwe kudzidza. Panzvimbo imwe "C" raigona akazarura «D».

2 kirasi

Kuwanikwa rezinesi muchikwata «B» haasi zvakakodzera kuti boka. Saka hako kuva mvumo paakadzinga bhazi ( "D") uye inorema motokari pamwe turera ( "CE"). Zvinogamuchirwa ezvinhu: «B + C + CE" kana «B + C + D» kana «D + CE". Rights ari muchikwata ichi yakapiwa pashure pemakore matatu kuramba kutyaira.

giredha 1

Vashandi akura kubata vanhu vakanga Mapato ose akazarurwa. Kunyange zvazvo Yakati pamberi mvumo kuti ishande motorized motokari haisi zvakakodzera. Sezvaiitwa yapfuura nyaya, kodzero muchikwata yokutanga yakapiwa pashure pemakore maviri kuramba kudzora rori.

kuchinja

gradation ichi kushandiswa kare. How kuona kirasi mutyairi nhasi? The kwacho kwava kubva gwaro zvakaoma zvikuru kune mhando itsva:

• «IVA» - motokari turera;
• «CE» - rori turera;
• «DE» - bhazi pamwe turera.

Nokuti kodzero muchikwata wokutanga kuvhura «IVA» uye «DE» hako.

Kupatsanura nokuti CTP

"MTPL" unosanganisira dzakananga mazita makirasi. Pane zvidimbu 13 chete. Pane boka usingashandi pakati vatyairi kodzera. Sei vanokurondedzera? Kana mutyairi haana nhoroondo inishuwarenzi yakadaro, zvino defaults kuti "1". Izvi zvinoreva kuti kana pakuverenga mari mutemo vave kufungwa ose zvinhu, kuwedzera achityaira nhoroondo. Kana kuderedza panodana kambani muripo gore mutyairi kirasi kukura.

Parallel indekisi rinowanikwa nevanhu MSC. With zvichibvira kuderedza wepagore yechikoro nokuda 5%. Munhu basa-soro che "13" vanogona kugamuchira 50% dhisikaundi apo kubhadharira mutemo. Kupinda tsaona kunokonzera kuwedzera mutengo mutemo uye kuderedza kirasi.

Vatyairi vari basa mugiredhi shoma (M), wana mitemo ine shoma pamusoro 45% yakamisirwa zvazvingava. Izvi zvazvakaita kana munhu nguva inopfuura mana pagore rinoshandisirwa kuti vachibhadhara kuti kambani.

Mari mutemo

Kana pakuverenga mari mutemo une inokosha basa mutyairi mukirasi. Sei vanokurondedzera, izvozvo huchakurukurwa zvakadzama pazasi. Musimboti Masvomhu riri sezvinotevera: dzakanga mugiredhi, rezasi mutengo. Mari mutemo kunotemwa pachishandiswa zvinhu zvina. Ngationgororei navo zvizere.

Type motokari

Tariffs, vari vakanyorwa oga mabhazi, marori uye mota. Oga, pane kupesana pakati kunoita uye yokutevedzera motokari nemhaka nhamba kumuka mutsaona. The coefficients kunzvimbo dziri yakaumbwa pachishandiswa mashoko pamusoro tsaona mumaguta ose. Vatyairi ruzivo riri basa chikuru zvazvingava, uye ruzivo - ezasi.

uchityaira rekodhi

Zvichienderana ichi indekisi ukoshi dzaona nokuda MSC. Sezvambotaurwa, mashoko coefficient "bhonasi-Malus" zvarinoita mari mutemo.

mutyairi kirasi

Iyo nzvimbo anogona kuona boka rokutyaira CTP? X-ray diffraction. Heino rinokosha nokuda kukarukureta. Unofanira kupinda pachake Data (zita, gore rekuberekwa) uye rezinesi nhamba. Achipindura kukumbira zvose mashoko pamusoro mutyairi kuda, kuti, nhoroondo yake inishuwarenzi. ruzivo urwu rinoshandiswa vatengi kwete chete, asiwo insurers. A nyaya imwe munhu anogona kuwanikwa, kunyangwe kana Akashandura zita rake. A yakafanana Database riripo kambani imwe inishuwarenzi.

Makambani All panguva kusaina chesungano pamwe mutengi anofanira umboo yaro PCA kuumbwa. Hazvina basa kana kuti munhu pamberi yeGmail.END_STRONG kambani kana kwete. Inishuwarenzi nhoroondo achiumbwa pasi mashoko kubva insurers zvose. Izvi Rinopereterwa muna Art. 9 Federal Mutemo № 40 "Kurutivi CTP."

Sei kutsanangura boka mutyairi kuti inishuwarenzi kuburikidza nzvimbo? Kana munhu wokutanga chinoshanda nokuti mutemo design, tanga zvose mashoko munhumbi Website pamusoro insurers. Kana zvadaro zvinoshanda kuti muripo, mashoko zano. Yakanyorwa mashoko pamusoro pemhando zvaparadzwa, mari yacho muripo. Kunyange kana iri nguva vanhu kutendeukira kune imwe kambani, mashoko ose pamusoro payo inochengeterwa. The insurer itsva kuongorora nhoroondo yose Database PCA. Heano mazano kuona kirasi mutyairi panguva MTPL maererano RSA.

macheki

Chero mutyairi kunogona tarisa mashoko pamusoro pachavo pamusoro insurer wacho Website. Izvi zvinofanira kuitwa gore rimwe nerimwe kutenga mutemo. Kana pakuverenga mari mutemo kubvisa kukanganisa munhu chinhu hazvibviri. The chibvumirano chinyatsotsanangurwa kutevedzana pakati Masvomhu. Kana kusabvumirana zvinowanikwa, unofanira kutaura kambani kuwana Decryption. Kazhinji, izvi zvinoitika kana kuchinja insurers. Kana akaramba kuitisa hwakadzama kukarukureta, unofanira kuonana hofisi muchuchisi wacho.

chichemo

Kuti nyaya mari mutemo, unofanira kupa mashoko umo anoratidza:

• musimboti kutaura - kuchinjwa kuti vatyora kodzero;
• tsananguro yakatodzama ezvinhu;
• chikumbiro kutora matanho pamusoro insurer uye nzira mberi machinda;
• pachedu date.

Documents vaiona panguva mwedzi. Kazhinji, mushure nzira yakadaro wekambani kunoita ake Masvomhu zvose.

KBM

Munguva yapfuura, MSC rinowanikwa yoga chimwe motokari uye razero pakuparwa pakutengeswa kwazvo. Saka, zvakanga akaderedza dhisikaundi pamusoro kutenga mutemo. Munhu akatenga motokari itsva, vaifanira kuunganidza pfungwa zvakare uye zvakare kuwedzera kirasi. Sezvo 2016 kukarukureta nzira achinja. Factor riri basa kuti munhu uye kwete motokari.

MSC kunogona kudzidza kuona kirasi tsaona-isina mutyairi. Option rimwe - kuona mashoko pamusoro PCA Website. The musiyano wezvinyorwa rechipiri - kuona tafura yakapiwa pazasi.

* Kana mutyairi kuti gore chete vakaforera kubhadharwa, ipapo gore rinouya achava boka, sezvinoratidzwa muzvikomberedzo.

How kuziva mutyairi motokari kirasi pakupera kwegore? Tinofanira kuwana kukosha muboka tafura, rakanga paakavapa kuti mutyairi pakutanga kwegore, uye enzanisa pamwe nhamba nekukumbirira vachibhadhara. An mutyairi ruzivo riri basa inonyanya mugwaro "13" uye iye awana 50% dhisikaundi (MSC = 0.5) pamusoro kutenga mutemo. How kuona kirasi mutyairi wacho pakutanga kwegore? It akaenzana nokuwanda kwemakore achityaira ruzivo.

muenzaniso

Inishuwarenzi kambani basa mutyairi kirasi "5" tsaona-isina dzokutyaira nemaitiro uye vakatengesa mumwe dhisikaundi 10% (MSC 0,9). Kana mukati gore rimwe sokuvapo mutemo, mutyairi akakumbira muripo, ipapo inotevera nguva yakanga paakavapa kirasi "3". Kana panguva kuteterera kambani haisi, izvozvo ibasa "6" kirasi MSC 0,85. Kureva, anogona kutenga mutemo pamwe 15% dhisikaundi.

subspecies KBM

Insurers kuzviganhurira reshiyo ichi ane mhando nhatu:

• kutyaira - ndezvipi mumwe mutyairi panguva inishuwarenzi;
• muridzi wemotokari;
• nzvimbo inoshandiswa nokuda mutengo kukarukureta.

Panewo vaifanira uye risingamboshandisi kukosha indekisi. Pazuva rokutanga kugamuchira dhisikaundi pamusoro kutenga mutemo. Kana shoma kukosha mutemo iri kutengeswa 100% ukoshi hwayo. Ane zvimwe kuderera kunzwisisa kukosha mutemo.

kunyoresa

By rokumanikidzirwa uye chinotivhiringidza CTP coefficient rakaiswa zvakasiyana. chikamu chokutanga chiri chibvumirano iyo nhamba vanhu vakabvuma kuti motokari kuzvidzora ishoma. Nokudaro, muna mutemo muchikwata wechipiri, hapana miganhu havana kuisa.

The coefficient vagara vandifungira mumwe mutyairi yoga. The kukarukureta inoshandisa indekisi mashoko pamusoro vatyairi vose. Toti, nokuti mutyairi akaramba achidzidzinga kirasi kuti gore uno. The dhisikaundi havazobvumirwi ipiwe muridzi, uye kunyanya mutyairi. Kana muridzi mumotokari nokuti gore kuchinja, asi MSC haringapiwi recalculated. Kuwedzera kukosha MSC nokuda kwegore chichaitwa pachinhu vakanguva mhosva tsaona.

Pakuverenga mari

The kukarukureta rinoitwa nevanhu algorithm ichi. nguva yokutanga mutemo riri basa wechitatu kirasi mutyairi. Kana asiri kwegore kwete tsaona chete rake kupindura, ipapo boka achawedzerwa gore rinouya. Kana paiva chikumbiro chimwe aripe, ipapo muchikwata achagara zvakafanana. Kana paiva maviri kana kupfuura kurapwa, kirasi ipfupi kuti «M». With mumwe kuwedzera vari muchikwata che wakaderedzwa MSC mukirasi. Saizvozvowo, kukura dhisikaundi. Somuenzaniso, kana ukaenda kirasi "4" riri basa mutyairi MSC 0.95, zvinoreva kodzero dhisikaundi 5%.

zvinhu

MSC kunobva tsaona-akasununguka kutyaira. Rakavapa coefficient anoitwa pasi CTP policies, kururama kwemashoko iro vapedza makei. Huripo zvibvumirano hadzina kufungwa nezvazvo. Ndizvo, kana iwe usingagoni ngaaverenge MSC mutyairi, uye defaults kukirasi "1".

Uyewo ruzivo anokosha mutyairi. Muridzi motokari, uye vakabvuma kuti kutyaira zviso ichakurukurwa yoga. Boka iri recalculated panguva kana uchida kuti kubhadhara mutsaona yomumugwagwa umo mutyairi mhosva. Izvi zvinoderedza ari inishuwarenzi shoma. Discount pamusoro kutenga mutemo anodzokororwa kunyange kana nemhosva yachinja kambani inishuwarenzi.

Reflection kwemashoko mu mutemo

Not nomutemo muwedzero Data MSC mutyairi uye muridzi mu mutemo. Asi insurer anogona kudaro pahwaro yomunyika kurongeka zvakanaka. Kazhinji, mashoko akadaro ari ushandiswe pamberi Name muridzi motokari uye mumwe mutyairi mvumo. Dzimwe kurekodha kunoitwa mu "Special Notes" mbiru.

mhedziso

MTPL inishuwarenzi gadziriro iri vakafunga kuti kukurudzira vatyairi ruzivo uye yakarurama. At matunhu siyana uye kodzero achidzinga mutengi anogamuchira dhisikaundi 50% uri kutenga mutemo. Munguva Masvomhu vatyairi achawira zvimwe mhando. How kuona shoma kirasi mutyairi? Vakapiwa kuwanda zvikumbiro vachibhadhara uye uchityaira kare, unogona kuona runoenzanirana mufananidzo pamusoro PCA websites kana mune chaiyo tafura.