Inqubomgomo yomshuwalense weMTPL - ungazibala kanjani izindleko zomshuwalense nokuthi ungayithenga kuphi inqubomgomo ye-MTPL: Izinkampani zomshuwalense TOP-5 + izindlela ezi-3 zokuhlola inqubomgomo ukuthi iyiqiniso yini
Ntambama, bafundi abathandekayo be-Ideas for Life umagazini wezezimali! Namuhla sizokhuluma mayelana nomshuwalense we-OSAGO, okungukuthi: iyini, uyibala kanjani inqubomgomo ye-CTP nokuthi izindleko ziqukethe ini, ungayithenga kuphi inqubomgomo ye-CTP nokuthi ingaqinisekiswa kanjani ngobuqiniso.
Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!
Umshuwalense wezimoto eRussia yi okuphoqelekile futhi ithatha ukuvikelwa kwezisulu zezingozi ekulahlekelweni kwemali etholwe kungezona ngephutha labo.
Ukuze abenzi bezingozi zomgwaqo bangakhokhi isinxephezelo ngokulimala kwezimoto kanye nempilo yezisulu kusuka emaphaketheni abo, kumele babe nenqubomgomo esebenzayo ye-CTP. Kulokhu, izinkampani zomshuwalense zithatha umthwalo wesinxephezelo sokulahlekelwa enanini elithile elisungulwe ngumthetho.
Kulesi sihloko uzofunda:
- Kungani udinga umshwalense oyimpoqo wabanikazi bezimoto (OSAGO);
- Uyini umgomo wenqubomgomo ye-OSAGO;
- Okuthinta izindleko zenqubomgomo nokuthi ungayibala kanjani imishwalense ye-OSAGO;
- Iphi indawo engcono yokukhipha (ukuthenga) nokuthi ungayihlola kanjani inqubomgomo ye-CTP ngobuqiniso.
Ekupheleni kwendatshana, sizophendula imibuzo ebuzwa njalo.
Lo mbhalo uzoba wusizo kubo bonke abanikazi bezimoto abafuna ukuqinisekisa ukuthi imoto inenzuzo ngangokunokwenzeka, bazivikele kubakhohlisi futhi baqonde nohlelo oluyimpoqo lomshuwalense wemoto. Funda ukuthi ungayivikela kanjani imoto yakho ngaphandle kokulahlekelwa njengamanje!
Kulolu shicilelo, sizokutshela ukuthi iyini inqubomgomo yomshuwalense we-OSAGO nokuthi yenzelwe ini, malini umshwalense we-OSAGO wezindleko zemoto nokuthi ungawuhlola kanjani ubuqiniso.
1. Yini i-OSAGO futhi iyini inqubomgomo yomshwalense we-OSAGO ka- 📃 🚗
Abashayeli, abahamba ngezinyawo namaphoyisa omgwaqo ndawonye benza uhlelo lokuphepha emgwaqeni, benza imisebenzi yabo futhi bathwale umthwalo wemfanelo ngezenzo zabo, ngokuhambisana nohlaka lomthetho. Umshuwalense wemoto nawo ubaluleke kakhulu kulokhu.
Ngemininingwane eminingi mayelana nomshuwalense wemoto, ukuthi ungayivikela kanjani imoto nokuthi yini okufanele uyibheke, sibhale endabeni yethu edlule.
I-OSAGO (Incazelo: umshuwalense oyisibopho somthetho ophoqelelwe) wenza okubaluleke kakhuluukusebenza ukuvikela abanikazi bezimoto ekulahlekelweni okuhlobene nezingozi zomgwaqo.
Impela noma yimuphi umshayeli kufanele abe nenqubomgomo ye-CTP esemthethweni naye. Ngaphandle kwayo, ukushayela imoto kwenqatshelwe... Lesi isiqinisekiso sokuvikelwa kanye nesinxephezelo uma kwenzeka kulinyazwa impahla noma impilo yababambe iqhaza engozini.
OSAGO— lolu uhlelo lomshwalense, obuyisela umonakalo odalwe yilowo obenomshwalense kwenye imoto noma abagibeli bayo.
Imali ekhokhelwa izisulu zengozi ngephutha lomunye umuntu, futhi ayenziwa ngemali yomenzi wengozi, kodwa yenziwa ngamabutho enkampani yomshuwalense.
Kusukela ngoMashi 17, 2017 izichibiyelo zomthetho zamukelwa, lapho manje kungenzeka khona ukuthola isinxephezelo semali uma ngemuva kwengozi imoto icekelwe phansi ngokuphelele noma izindleko zokulungisa zidlula ama-ruble ayizinkulungwane ezingama-400.
Kwamanye amacala, izinkampani zemishwalense zizokhokhela ukulungiswa kwezimoto zamakhasimende abo.
Umnikazi wemoto (TS) wenza isivumelwano nomshwalense, kepha amanani entengo yomshuwalense anqunywa yizikhungo zikahulumeni. Izinkampani zomshuwalense ziyazuza ngokuthi izinkokhelo zenziwa kancane kakhulu kunalokho okwenzeka kumshwalense.
Imicimbi evikelekile, ngaphakathi kohlaka lwe-OSAGO, ingabhekwa:
- ukulimala okubangelwe yimoto noma enye impahla yesisulu;
- ukulimala empilweni noma empilweni yomshayeli nabagibeli bemoto, abangenacala engozini.
Kalula nje, umnyombo walowo mshuwalense ngukuthi uma umshayeli kungafanele asolwe ngengozi, uthola isinxephezelo ngokulahleka (ukulungiswa kwezimoto, ukukhokha), futhi uma enephutha, khona-ke okungenani akakhokhi isinxephezelo kwabahlukunyezwayo ephaketheni lakhe. Kunezimo lapho bobabili ababambe iqhaza engozini kufanele basolwe, bese kuthi izinkampani zomshuwalense zibuyisele imali ngayinye 50% izindleko zokulungisa.
Uma ukutholakala kwecala lomshayeli kungenakwenziwa khona lapho, khona-ke lokhu kwenzeka ngenkantolo enquma izinga lokubamba iqhaza kwawo wonke umuntu.
2. Auto umshwalense OSAGO - umgomo wokusebenza kwenqubomgomo yomshuwalense OSAGO AG
Inqubomgomo ye-OSAGO isebenza kuphela lapho kwenzeka umcimbi oqinisekisiwe.
Ngaphansi kwemithetho emishauma abagibeli bengalimalanga engozini, isisulu kufanele sithinte umshwalense waso (phambilini bekuvunyelwa ukuxhumana nenkampani yomshwalense yomuntu obhekene nengozi).
Kodwa-ke, ukukhokhelwa komshuwalense (uma kwenzeka imoto icekelwa phansi ngokuphelele) noma ukulungiswa kwenkampani yomshuwalense ngeke kwenziwe ngokushesha, umthetho wabelwa ukwenza isinqumo yinkampani yomshuwalense 20 (amashumi amabili) izinsuku... Uma lesi sikhathi sidlulile, izinhlawulo zokubambezeleka ziyasetshenziswa kumshuwalense, okunqunywa ngumthetho kanye nenkontileka yomshuwalense.
Okunye okusha okuwusizo kubanikazi bezimoto ukuthi iqiniso lokuthi ukubhaliswa komcimbi onomshwalense endaweni yengozi kungenziwa ngokuzimela, ngaphandle kokuba khona kwamaphoyisa omgwaqo, uma inani lomonakalo lingadluli 50 (amashumi amahlanu) inkulungwane ama-ruble. Lo mklamo ubizwa ngokuthi “I-Europrotocol»Futhi ivumela ababambiqhaza ukuthi banciphise isikhathi sokubhaliswa nokwamukelwa kokulungiswa okudingekayo kwemoto enkampanini yomshuwalense.
Lo mkhuba usebenza kuphela uma ingozi ingalimazanga abashayeli uqobo, abagibeli babo, abahamba ngezinyawo noma enye impahla.
Kumele kuqashelweukuthi umthetho ulinganisela ngokuqinile inani eliphakeme lokukhokha ngaphansi kwenqubomgomo ye-MTPL, futhi uma umonakalo weqa lo mkhawulo, umehluko kuzofanela ukhokhwe ngumenzi wengozi eyedwa.
Manje, izinkampani zomshuwalense, esikhundleni sezinkokhelo zemali, zizokhokhela ukulungiswa kwezimoto zamakhasimende abo.
Lapho udala umonakalo hhayi emotweni kuphela, kodwa nakwimpahla yangaphandle, njenge amabhodi ezikhangiso, izingongolo ezikhanyayo, impahla yangasese futhi okunye, Inkampani Yomshuwalense ngeke imboze konke ukulahlekelwa ngaphansi kwenqubomgomo yomshwalense oyimpoqo. Kulokhu, inqubomgomo yomshwalense yokuzithandela (i-DSAGO) ingaba wusizo uma ithengwe ngumenzi wengozi kusengaphambili.
Ukukhethwa kwenkampani yomshuwalense kufanele kuphathwe ngesibopho esigcwele, ngoba umonakalo kuzodingeka ubuyiselwe ngandlela thile, ngakho-ke, ukuphepha kwezimali zomnikazi wemoto ngqo okuhlobene nokwethembeka kwenkampani yomshuwalense.
Uma imoto yomenzi wobubi noma yena ehlupheke engozini, izindleko zokubuyiselwa zizokwehla ngokuphelele emahlombe akhe, ngaphandle kwalapho, eqinisekisiwe ngenqubomgomo ye-CASCO, ehlinzekela isinxephezelo ezimweni ezinjalo. Imininingwane engaphezulu mayelana nomshuwalense we-CASCO ingatholakala ku-athikili kusixhumanisi.
Kumele futhi kuqashelwe ukuthi kubalulekile ukuthatha umshwalense we-OSAGO ne-CASCO uma imoto iqashiwe. Yini ukuqashisa ngamagama alula, sikubhale ku-athikili ehlukile.
Izici eziyinhloko ezithinta izindleko zomshuwalense we-OSAGO wemoto
3. Ngabe umshuwalense we-OSAGO wezindleko zemoto ubiza malini - TOP-7 factor ezithinta izindleko ze-OSAGO 📑 💰
Inqubo ebumbene yokubala izindleko zenqubomgomo yomshwalense we-OSAGO isungulwa ngokusemthethweni, kodwa inani eliphelele lingahluka futhi lincike kulezi zinto ezilandelayo:
Isici # 1. Isipiliyoni somshayeli neminyaka yakhe
Ungaqinisekisa imoto kunoma yimuphi unyaka, kodwa izinga lokukhuphuka kwenani lihlobene ngqo nokuthi umshayeli uneminyaka emingaki nokuthi usebenze isikhathi esingakanani.
Abashayeli abasebasha abasanda kunikwa amalayisense kukholakala ukuthi yibo ababangela izingozi kujwayelekile kakhulu.
Isici # 2. Uhlobo lwemoto
Ezinhlotsheni ezahlukahlukene zezimoto ziyasebenza amanani ahlukene... Isibonelo, kushibhile ukuthatha umshwalense wesithuthuthu noma i-ATV, kanti obiza kakhulu umshwalense wezimoto ezisetshenziselwa ukuthutha izimpahla noma abagibeli (kufaka namatekisi).
Isici # 3. Inani lezingozi nokwephulwa komgwaqo
Abashayeli abaqaphile abangakaze babangele ingozi futhi abangazange babandakanye inkampani yabo yomshuwalense ekukhokheni inqubomgomo banelungelo lesaphulelo se- 5% unyaka nonyaka ngaphandle kwengozi.
Isaphulelo esikhulu - 50%, enganqwabelana ngaphezu kweminyaka eyishumi engenazinkathazo.
Isici # 4. Amandla enjini yemoto
Ezimotweni ezinenjini engaphansi kuka-50 amandla amahhashi, i-coefficient encane isethelwe ukuthola izindleko eziphelele zomshuwalense - 0,6.
Izindleko eziphezulu zomshuwalense zibekwa yi-coefficient 1,6 kubanikazi bezimoto abanamandla angaphezu kwama-150 amahhashi.
Isici # 5. Ithemu yomshwalense
Isikhathi esifushane lapho imoto ingafakwa khona umshwalense izinyanga ezintathu, ngokujwayelekile. Kodwa-ke, ngokwenyanga ngayinye yesikhathi somshuwalense, umshwalense onjalo uzobiza ngaphezu komshwalense unyaka wonke.
Inombolo ye-6. Inani labashayeli
Umshayeli ngamunye ozokwazi ukushayela imoto enomshwalense kumele afakwe kumshwalense.
Kodwa-ke, kungenzeka ukukhipha inqubomgomo yenombolo engenamkhawulo yabasebenzisi, lapho kuzosetshenziswa i-coefficient eyengeziwe - 1,8.
Isici # 7. Isifunda sokubhalisa kwabashayeli
Isifunda ngasinye sine-coefficient yaso ye-OSAGO. Lokhu kubangelwa ukuthi ukushayela edolobheni elikhulu kuhlotshaniswa nobungozi obukhulu kunokushayela ezindaweni zasemakhaya.
Izindlela eziyinhloko zokubala izindleko zenqubomgomo ye-CTP
4. Ungazibala kanjani izindleko zomshuwalense we-OSAGO ngaphambi kokubhaliswa (ama-calculator kanye nezinsizakalo) 📊 💸
Izinga lomshuwalense we-OSAGO lingabalwa ngokuzimela, wazi yonke imininingwane edingekayo. Noma kunjalo, kulula ukwenza amaphutha.
Ngokubala okulinganiselwe kwezindleko zomshuwalense we-OSAGO, siphakamisa ukuthi kusetshenziswe umshini wokubala wethu:
Umnikazi
Ingabe izosetshenziswa nge-trailer?
Inani labantu abamukelwe
Isikhathi sokusetshenziswa ngonyaka
Ukwephulwa ngokweqile kwemibandela yomshuwalense?
Indlela enembile yokubala izindleko zenqubomgomo yomshwalense - Izinsizakalo ezikhethekile ze-elekthronikhi kanye nezibali ze-CTP, lapho ngasikhathi sinye ungaqhathanisa ngokushesha ukunikezwa kwezinkampani eziningi zomshuwalense ngasikhathi sinye.
Izinsizakalo ezinjalo zisebenza kumgomo ofanayo:
- ukugcwalisa ifomu lokubhalisa;
- ukubalwa kwezindleko zomshuwalense ngokusebenzisa okhethekile umshini wokubala;
- ukuqhathanisa imiphumela nokukhethwa kwenketho enenzuzo enkulu.
Ukusetshenziswa kwezinsizakalo ezinjalo akuvumeli ukuthi wonge isikhathi kuphela, kepha futhi nokugwema amaphutha ezibalweni, kanye nokukhipha ngokushesha inqubomgomo yomshwalense evela enkampanini ekhethiwe.
Kodwa-ke, uma kunesidingo noma umninipholisi efuna ukubala ngokuzimela intengo yenqubomgomo yomshuwalense, udinga ukuqonda umgomo wokubala okunjalo.
5. Ukubalwa kwezindleko ze-OSAGO nokuncika kwayo esikhathini sokusetshenziswa + ithonya lama-coefficients ezindlekweni zomshuwalense ngo-2020
Okokuqala, kufanele uzijwayeze nge-Instruction of the Central Bank ye-Russian Federation No. 3384-U, echaza ngokuningiliziwe inqubo yokwakha izindleko zomshuwalense. Ngokuya ngalokhu, izinkampani zomshuwalense zenza izibalo.
Kususelwa kunani lesisekelo, elincike esigabeni semoto. Isibonelo, inani layo elikhulu lihlobene nezimoto ezisetshenziselwa ukuthutha abagibeli futhi ziyahlukahluka ngaphakathi kusuka ku-4 110 kuya ku-7 399 ruble... Futhi inani elincane kakhulu likububanzi kusuka ku-1 401 kuya ku-2 521 ruble futhi ingeyesigaba sethilamu.
Ngokuzayo, isilinganiso esithile sesisekelo siphindaphindwa ngama-coefficients anqunywa yizici ezahlukahlukene ezithinta izindleko zomshuwalense (isifunda, isipiliyoni sokushayela futhi ubudala bomninipholisi, uhlobo lomshwalense futhi okunye). Futhi kubalulekile zomthethonoma ngokomzimba ubuso udonsa umshwalense.
Ngaphandle kwe-KBM, amanani ama-coefficients ayatholakala kwimithombo evulekile. Ukubalwa kwe-MSC kusuka ngoJanuwari 1, 2017 ushintshile futhi manje akaboshelwe emotweni, kepha uboshelwe kumshayeli uqobo, okukuvumela ukuthi uzivikele ekukhokhweni ngokweqile okungadingekile komshwalense, isib, lapho ushintsha imoto.
I-RSA (Russian Union of Auto Insurers) ilungiselela insiza kagesi lapho umshayeli ngamunye angathola khona i-KBM yakhe ngokuzimela.
Ithonya lama-coefficients ezindlekweni zomshuwalense
1) Isifunda
Le coefficient yakhiwa ngokuya ngobungozi bengozi, obukhula kakhulu lapho usebenzisa imoto ku amadolobha amakhulu ahamba kakhulu... Ngezikhungo ezinkulu zesifunda, yena ngenhla 1 (amayunithi).
I-coefficient inqunywa ngokusekelwe esifundeni sokubhaliswa kwemoto noma ukubhaliswa komninipholisi, ngokubona kwenkampani yomshuwalense.
2) i-KBM
Le yi-coefficient efanayo enikezela isaphulelo kumshwalense wokushayela ngaphandle kwengozi... Ekuqaleni, inani laso lingu-1 (eyodwa), ngonyaka ozayo, uma bezingekho izingozi nezinkokhelo zomshuwalense - 0,95, kungenjalo - 1,4... Inani laso livame ukuba sebangeni 0.6 kuye ku-2.45.
3) Uhlobo lomshwalense
Umshuwalense ophoqelekile ungabandakanya ukushayela noma yikuphi abashayeli abathile noma inani elingenamkhawulo labantu, kulokhu kusetshenziswa i-coefficient 1,8... Uma kunemikhawulo ekusetshenzisweni, inani eliphelele lomshuwalense alishintshi.
I-OSAGO engenamkhawulo ilungele ikakhulukazi izinhlangano ezisemthethweni lapho abantu abahlukahlukene bekwazi ukushayela imoto yomshwalense futhi idatha yabo ayaziwa kusengaphambili.
4) Isipiliyoni sokushayela
Uma iminyaka yomshayeli ngaphezulu kweminyaka engama-22, nesikhathi sokubamba izincwadi zokushayela sesivele yeqe iminyaka emi-3, lapho-ke lo coefficient uzoba 1 (unit), okusho ukuthi ngeke kuthinte izindleko zomshuwalense.
Kwezinye izimo, i-coefficient ingathatha amanani 1.6 kuye ku-1.8.
5) Amandla enjini
Ukwehla kwalesi sikhombisi, kwehla isibalo sokulingana. Isibonelo, kunjalo 0,6 amandla auto kufika ku-50 Amandla wehhashi. Ukuze imishini ibe namandla ngokwengeziwe, i-coefficient isebangeni 1-1,6... Kepha ngenxa yokuthi lesi sici asikwazi ukuthinta ngqo ubungozi bokuba umhlanganyeli engozini, bekuhlelwe ukusikhipha ngo-2017noma kunjalo, lezo zinguquko azikaqinisekiswa ngalesi sikhathi.
Ngaphezu kwalokho, lolu lwazi lukhonjisiwe kwipasipoti yezobuchwepheshe yemoto, kepha alunakekeli iqiniso lokuthi ukukhuphuka okuzimele kwamandla emoto kungenzeka, futhi izindlela ezisebenzayo zokuqapha nokulandelela lezo zinguquko azinikeziwe.
I-6) Isikhathi sepholisi
Imvamisa, abomshwalense bakhetha ukukhipha i-OSAGO unyaka wonke, okungenani, ukuze ungachithi isikhathi sakho futhi ukhetha inkampani yomshwalense, amaphepha nokunye. Kodwa-ke, izindleko zomshuwalense nazo zibalulekile.
Lapho ufaka isicelo sepholisi isikhathi esiyizinyanga eziyishumi noma ngaphezulu, ukulingana = 1... Ngaphezu kwalokho, ukuze kwandiswe inzalo yamakhasimende esikhathini eside, izindleko zenqubomgomo azinciphi ngokulingana ngokuhambisana nokwehla kwethemu, kepha kwenza lokho kubhaliswa kungabi nenzuzo encane.
Isibonelo, ukuthatha inqubomgomo yengxenye yesikhathi, umshwalense ngeke ube uhhafu wentengo. Futhi isici sokunciphisa sizoba ingu-0.7.
Isibonelo, ungabala ushintsho entengo yenqubomgomo yomshuwalense, ngokuya ngesikhathi sayo sokusebenza. Ake sithi izindleko zenqubomgomo, kucatshangelwa zonke ezinye izinto, ziyalingana Ama-ruble angama-8 600.
Uma inqubomgomo ikhishwa isikhathi esingaphezu kwezinyanga eziyishumi, izohlala ingashintshiwe, futhi ngezikhathi ezimfushane, intengo izoshintsha ngokuya ngezibalo ezethulwe:
| Ithemu | Izindleko ze-OSAGO |
| Izinyanga eziyi-9 | 8 600 x 0.95 = 8 170 ruble; |
| Izinyanga eziyi-8 | 8 600 x 0.9 = 7 740 ruble; |
| Izinyanga eziyi-7 | 8 600 x 0.8 = 6 880 ruble; |
| Izinyanga eziyi-6 | 8 600 x 0.7 = 6 020 ruble; |
| Izinyanga ezi-5 | 8 600 x 0.65 = ama-ruble angu-5 590; |
| 4 izinyanga | 8 600 x 0.6 = ama-ruble angu-5 160; |
| 3 izinyanga | 8 600 x 0.5 = 4 300 ruble. |
Uma uqhathanisa imiphumela etholakele, ungabona ukuthi isikhathi esiphezulu sokukhishwa kwenqubomgomo sinenzuzo enkulu.
Umbandela owengeziwe wokushintsha intengo ye-OSAGO kungaba yisikhathi sokusetshenziswa kwenqubomgomo. Lokhu kusebenza ezimweni zokuyisebenzisa ngokungafanele imoto (isibonelo, inqubomgomo ikhishwa unyaka wonke, kodwa isebenza izinyanga ezintathu kuphela ehlobo).
Lokhu kuyiqiniso nangezimoto ezibhaliswe ngaphandle kweRussian Federation futhi ezisetshenziswa okwesikhashana endaweni yayo. Amapharamitha wokushintsha izindleko lapho usebenzisa inqubomgomo enjalo ethulwa kuthebula:
Ithebula - ushintsho kumanani wokunciphisa intengo yenqubomgomo ye-CTP, kuya ngesikhathi sokusebenza kwezimoto ezisetshenziswe okwesikhashana ensimini yeRussian Federation.
| Isikhathi sokusetshenziswa | I-Coefficient |
| Izinsuku 5-15 | 0,2 |
| Izinsuku eziyi-16-30 | 0,3 |
| Izinsuku ezingama-60 | 0,4 |
| Izinsuku ezingama-90 | 0,5 |
| Izinsuku eziyi-120 | 0,6 |
| Izinsuku eziyi-150 | 0,65 |
| Izinsuku eziyi-180 | 0,7 |
| Izinsuku ezingama-210 | 0,8 |
| Izinsuku ezingama-240 | 0,9 |
| Izinsuku ezingama-270 | 0,95 |
| Izinsuku ezingama-300 noma ngaphezulu | 1 |
Ithebula likhombisa ukuthi isikhathi esiphezulu sokusebenza kwenqubomgomo ye-CTP siyinzuzo kakhulu.
Kukuphi inzuzo ukuthenga / ukukhipha inqubomgomo ye-OSAGO - izinkampani zomshuwalense kanye nabashintshi lapho ungavikela khona imoto
6. Lapho ungakhipha futhi uthenge khona inqubomgomo ye-OSAGO - amafemu we-TOP-5 lapho kunenzuzo enkulu ukuvikela imoto ngaphansi kwesilinganiso se-OSAGO + sezinkampani zomshuwalense 📄
Imakethe yomshwalense wezimoto waseRussia imelwe yizinkampani eziningi zomshuwalense ezinelungelo lokukhipha izinqubomgomo ze-OSAGO.
Ngezansi kunokwethenjelwa kakhulu phakathi kwabo, kanye nabenzeli abanikeza ithuba lokukhetha izimo ezithandeka kakhulu zomshwalense oyimpoqo:
1) Umshuwalense we-Alfa
Kuthatha isikhundla esiphambili emkhakheni womshuwalense wezinto ezahlukahlukene nezakhamizi... Izinsizakalo zomshuwalense kule nkampani zihlinzekwa ezingeni eliphakeme futhi zinikeza ukufakwa okugcwele komshuwalense kumakhasimende.
IMoscow iyasebenza ngisho insizakalo yokulethwa kwenqubomgomo yomshwalense wemoto oyimpoqo, futhi abahlali bazo zonke izifunda zezwe bangasebenzisa umsebenzi wokuvuselela ngokushesha inqubomgomo, kanye nokusekelwa ubusuku nemini ngocingo noma ngezinsizakusebenza ze-Intanethi.
Ubuchwepheshe besimanje buhlala endaweni ekhethekile ku-Alpha Insurance. Ukutholakala kwensizakalo elula neqondakalayo kukuvumela ukuthi ukhiphe inqubomgomo ye-elektroniki ye-MTPL, ezobhekwa ePCA ngokushesha bese ithunyelwa ku-imeyili yeklayenti.
Ngaphezu kwalokho, i-Alfa-Insurance inikeza ithuba lokukhipha eminye imikhiqizo yomshuwalense, kufaka phakathi i-CASCO, iGreen Card (lapho uhambela amazwe aphesheya), i-Alfabusiness (yamakhasimende aphambili).
2) Umshuwalense we-Renaissance
Le nkampani sekuyisikhathi eside isungule yona ezimakethe zomshuwalense wezimoto futhi ijabulela ukufunwa okubanzi nokuzethemba kwamakhasimende. Isebenze kusukela ngo-1997 futhi iyaqhubeka nokuthuthuka ngokushesha nangokuzimisela kule ndawo. Umshuwalense wokuzenzakalela - Le ngenye yezindawo eziseqhulwini zenkampani, lapho igcina izinga eliphezulu lokuncintisana.
Inkampani inika ithuba lokukhipha izinqubomgomo eziku-inthanethi ngokutholakala okuphelele kwemicimbi yomshwalense, kanye nezinsizakalo ezingeziwe ezizosiza ukwenza lula isicelo sesinxephezelo. Inethiwekhi enkulu yamahhovisi ezifunda, yona ikuvumela ukuthi uxazulule ngokushesha nangokushesha noma yiziphi izingqinamba futhi uthole insizakalo esezingeni eliphakeme.
3) Ingosstrakh
Enye yezinkampani zomshuwalense ezisebenza isikhathi eside emakethe. Umsebenzi wayo ubuyela emuva 1947 unyakaemva kwalokho amagatsha avulwa ngamunye ngamunye ezweni lonke nasemhlabeni. Ekuqaleni, i-Ingosstrakh yayimele izintshisekelo zombuso wethu emkhakheni womshuwalense enkundleni yomhlaba wonke. Ngo-2004, inkampani yangena kwi-Ingo International Insurance Group.
Kumshuwalense, ukusebenza kwenkampani emakethe yaseRussia kumelwe yizinhlobonhlobo zezinsizakalo ezinikezwa ezingeni eliphakeme futhi ezifuneka kakhulu kumakhasimende.
Inkampani iveza amathuba okwandiswa inqubomgomo ejwayelekile ye-CTPngokunikela ngezinsizakalo ezinjenge:
- «Ukuvikelwa okuzenzakalelayo»- ukuvikelwa kwabanikazi bezimoto abangakadluli eminyakeni emihlanu, kufaka phakathi umehluko phakathi kwentengo yangempela yemakethe nokukhokhelwa kokulungiswa, ngokuhambisana nokuguga kwemoto (kwenziwa insizakalo ekhethekile futhi ikhokhwa ngokuphelele ngumninipholisi);
- «Isiqinisekiso sesondlo»- ukubuyiselwa kwemali ekulahlekelweni kwezezimali okutholakele uma kwenzeka kunesidingo sokuqeda ukungasebenzi kahle okuvezwa ngesikhathi sokuhlolwa kwezimoto ngaphansi kweminyaka eyishumi.
4) Umshuwalense weTinkoff
Inkampani encane kakhulu ehlinzeka ngezinsizakalo zomshuwalense. Ubelokhu esebenza kusukela ngo-2013 futhi iyathuthuka. Inikeza ngezinsizakalo zokulethwa kwezinqubomgomo, izindlela zokukhokha ezilula kanye nensizakalo yekhwalithi.
UTinkoff unikeza amathuba ukubhaliswa kwenqubomgomo kagesi, futhi Ukuhanjiswa kwamahhala kwenguqulo yalo yephepha nganoma yisiphi isikhathi esikahle. Ngemininingwane eminingi ngenqubomgomo ye-elektroniki ye-CTP nokuthi idinga ukwakhiwa kanjani, sabhala ngokuhlukile.
Yize intsha yale nkampani ingumshwalense, ihlala ezikhundleni eziphezulu kuzo zonke izinhlobo ze Amazinga we-2016 futhi ungumholi owaziwayo phakathi kwezinye izinsiza ze-Inthanethi emkhakheni womshuwalense futhi, ngokwesilinganiso sikazwelonke, ungumholi ophelele ekusetshenzisweni kwamakhasimende.
5) Ins-Broker
Insizakalo ekhethekile yokukhethwa kwezinhlelo zomshuwalense kanye nokwakheka kwazo. Lapha kungenzeka ukukhetha imibandela yomshuwalense ngokwemibandela ekhethiwe kuzo zombili izinhlelo ze-OSAGO ne-CASCO.
Le nsizakalo inikeza ithuba ukulethwa kwamahhala kwenqubomgomo isikhathi esingamahora amabili futhi umsebenzi oqinile wenziwa ngaphezulu kwe- Umhlaka-20 izinkampani ezinkulu zomshuwalense ezweni lethu. Ngaphezu kwalokho, amakhasimende angaxhumana nabachwepheshe ekukhushulweni kwamanje nokunikezwayo.
Ithebula - isilinganiso sezinkampani zomshuwalense i-OSAGO
| № | Inkampani Yomshwalense | ≈ Yabelana ngemali eyinhloko |
| 1 | I-Rosgosstrakh | ngaphezu kwama-ruble ayizigidi eziyizinkulungwane eziyi-123 |
| 2 | SOGAZ | ngaphezu kwama-ruble angama-94 billion |
| 3 | Ingosstrakh | cishe ama-ruble ayizigidi eziyizinkulungwane ezingama-76 |
| 4 | "RESO-Garantia" | cishe ama-ruble angama-59 billion |
| 5 | AlfaStrakhovanie | ngaphezu kwama-ruble angama-53 billion |
Izinkampani zomshuwalense ezi-5 ezivezwe etafuleni zinezinga eliphakeme kakhulu lomhlaba u-A ++ kanye nesibikezelo sokuthuthuka esizinzile.
Ukuhlola inqubomgomo ye-CTP - izindlela ezi-3 ezilula zokuhlola inqubomgomo ye-CTP ngobuqiniso
7. Ungayihlola kanjani inqubomgomo ye-MTPL ubuqiniso - izindlela ezi-3 zokuhlola inqubomgomo yomshuwalense we-MTPL (ngenombolo, i-database ye-PCA) 🔍
Ezinye izinkampani zomshuwalense ezithengisa umshwalense kungenzeka anginawo amalayisense ngokukhishwa kwezinqubomgomo ze-OSAGO. Ngaphezu kwalokho, ungakhohlwa ngokuba khona kwabakhwabanisi abazuza ngokwenza imigomo yomshwalense.
Yize iqiniso lokuthi iqiniso lomgunyathi nokuthengisa izinqubomgomo ezingavumelekile lijeziswa ngumthetho, abanikazi abasebenzisa izinqubomgomo ezinjalo bazoba nomthwalo ekuqaleni.
Ubuqiniso bedokhumenti kufanele buhlolwe khona lapho noma okungenani ngaphambi kokuvela komcimbi onomshwalense.
Kukhona 3 (izindlela ezintathu) zokuhlonza (ukubona) i-OSAGO eyimbumbulu.
Indlela 1. Ukuhlola okubukwayo
Inqubomgomo yomshwalense yenziwa kusetshenziswe iphepha elijiyile eliqoshwe ngamadigri ahlukahlukene wokuvikela, futhi ibuye ibe nayo izakhiwo ezibalwe:
- inombolo yomuntu siqu imelwe yizinombolo eziyishumi zosizo;
- ingaphambili ledokhumenti lifaniswa nephepha lasebhange futhi linesakhiwo esifanayo;
- uhlangothi olubuyayo lwenqubomgomo lunentambo yokuphepha yensimbi engena esakhiweni sephepha, futhi enganamathiseli phezulu;
- iphethini embossed ohlangothini olungaphambili;
- ukutholakala kwama-watermark we-PCA;
- ukutholakala kwe-villi ekhanya ekukhanyeni kwe-ultraviolet
Kodwa-ke, ngisho nokuhlolwa okunemininingwane eminingi akuqinisekisi ukuvikelwa kwamaphesenti ayikhulu kwabakhohlisi abangasebenzisa amafomu angempela entshontshiwe.
Kufanele unakeukuthi kusukela ngo-Okthoba 1, 2016, ukwakheka kwezinqubomgomo kushintshile, manje amafomu abomvana, hhayi aluhlaza okwesibhakabhaka. Vele, izinqubomgomo ezindala zisebenza kuze kube sekupheleni kwesikhathi sazo sokusebenza.
Indlela 2. Usebenzisa i-Intanethi ngesisekelo se-PCA
Usebenzisa isevisi eku-inthanethi yeRussian Union of Auto Insurers (RSA), ungaqinisekisa ngokuthembeka kwe-policy yomshwalense. Ukuze wenze lokhu, udinga ukufaka inombolo yenqubomgomo enamadijithi ayishumi kuwebhusayithi esemthethweni ye-PCA (utho.ru)
Uma kunenombolo yedokhumenti ku-database, umsebenzisi uzobona idatha elandelayo:
- isimo sedokhumenti (ngezinqubomgomo ezivumelekile, kubukeka sengathi "ukunezinqubomgomo");
- usuku okwenziwa ngalo inkontileka yomshuwalense;
- igama lenhlangano ekhiphe inqubomgomo.
Ngezinsizakusebenza ze-Intanethi, futhi ungaqhuba yonke inqubo yokukhipha inqubomgomo yomshwalense, uma kudingeka. Ngemuva kwalokho ungonga isikhathi, uqiniseke ukuthi ukuhleleka kwenqubomgomo kwenzeka kuwebhusayithi esemthethweni yenkampani yomshuwalense, engafaki ukuthi kungenzeka ukuthi ingumbombayi. Inqubomgomo enjalo ingaba ukuhleleka ngokulethwa ekhaya.
Ngaphezu kwalokho, muva nje kube nokwenzeka ukukhipha inqubomgomo yomshuwalense oyimpoqo ye-elekthronikhi, eneqiniso eliqinisekisiwe futhi eshintsha ngokuphelele inqubomgomo yephepha. Ngokutholwa komshuwalense, asikho isidingo sokuhlola okuphakathi kwephepha ngobuqiniso.
Indlela 3. Ukucaciswa nenkampani yomshuwalense
Ezimweni lapho ngokubukeka futhi ngekhompyutha akukwazanga ukuthola imiphumela ekholisayo, iklayenti lingahlala lihlola inqubomgomo ye-OSAGO ngobuqiniso nenkampani yomshuwalense eyikhiphile. Abasebenzi bayo kudingeka bakhiphe umbono wochwepheshe ngobuqiniso benqubomgomo.
Uma kutholakala ukuthi inqubomgomo yomshuwalense ingumbombayi, kuyadingeka ukuthola entsha, futhi ngokushesha unikeze endala leyo maphoyiseni, ngokubhala isitatimende... Lokhu kuyadingeka ukuze uzivikele ekukhokhisweni ngamanga.
8. I-CMTPL yomgunyathi - izizathu ezi-5 zokuhlola inqubomgomo ye-CMTPL ngobuqiniso 💣 🔔
Noma uthenga inqubomgomo online, kunethuba lokuhlangana nabakhwabanisi. Eminyakeni yakamuva, lokhu sekuvame ukwedlula ngenxa yokwenyuka kwezindleko zomshuwalense. Ukugwema lokhu, kuyadingeka ukuthi ubhekisise inkampani yomshwalense uqobo lwayo, okungafanele ibe nalezi zimpawu ezilandelayo ezesabekayo:
Isizathu 1. Umenzeli akakhiphi irisidi lokukhokha inqubomgomo yomshwalense
Njenganoma yimuphi omunye umsebenzi, ukubhaliswa ngokusemthethweni kwenqubomgomo kuphoqa umshwalense ukuthi anikeze irisidi elihambisanayo, ngesicelo sokuqala seklayenti.
Uma umenzeli womshuwalense, nganoma yisiphi isizathu, engakhiphi irisidi lokukhokha futhi efuna izaba, akungabazeki ukuthi lokhu kungukukhwabanisa. Noma kubhaliswa online, kunikezwa irisidi, ithunyelwe ngefomu le-elektroniki.
Isizathu 2. Inkampani yomshwalense yayingadingi ikhadi lokuxilonga imoto
Kuyafaneleka ukucatshangelwa uma umshwalense engacelanga ikhadi lokuxilonga noma enye idatha yemoto edingekayo ukuthola umshuwalense.
Noma ubhalisa ku-inthanethi, imithetho yokubhalisa akufanele yephulwe futhi inqubomgomo ikhishwa kuphela lapho unikeza imininingwane ephelele ngesimo sobuchwepheshe semoto.
Isizathu 3. Umenzeli akasebenzisi i-database ye-PCA ngesikhathi sokubhaliswa kwenqubomgomo
Zonke izinqubomgomo ezinokusebenza kwamanje ziyatholakala ku-database ye-PCA, futhi ngenombolo yedokhumenti, ungabheka ubuqiniso bayo ngqo kwiwebhusayithi esemthethweni ye-PCA.
Noma yimuphi umenzeli womshuwalense ubophezelekile ukuvumelanisa imininingwane ne-database ye-PCA ukuze kungaveli ukuthi inqubomgomo ngeke isavumeleka.
Ngenxa yokuthi kuthatha isikhathi ukuqinisekisa idatha kanye nokunemba kwezibalo, udinga ukuqonda ukuthi le nqubomgomo ayikhishwa ngokushesha.
Isizathu 4. Izindleko zenqubomgomo ziphansi kakhulu
Uhla lwamanani lomsebenzi wezinkampani zomshuwalense luyehla ngesikhawu 5-20% futhi kuphoqelelwa ngokucacile. Lokhu kungenxa yokuthi izimali eziyisisekelo zomshwalense ophoqelekile wezimoto zomuntu wesithathu zisungulwa ezingeni lomthetho.
Izindleko eziphansi zenqubomgomo: isizathu sokuhlola inqubomgomo ye-CTP
Imininingwane nezindleko zomshuwalense zingatholakala kuwebhusayithi esemthethweni ye-PCA.
Isizathu 5. Ukwenqatshwa komshuwalense ukwethula inkontileka
Lapho umenzeli engakwazi ukunikeza inkontileka iklayenti lakhe, ukuze kufundwe ngokuningiliziwe kwawo wonke amaphuzu, umthengi kufanele acabangisise ngakho. Ngokusobala, akukho nkontileka, noma akuyona yangempela.
Ukufuna inkontileka noma ilayisense kuyilungelo lawo wonke umthengi, elibhalwe ngokomthetho futhi kumele laneliswe.
9.Imibuzo ebuzwa njalo (i-FAQ) kumshwalense we-OSAGO📜
Esikhathini sokutadisha inkinga yokukhipha inqubomgomo ye-OSAGO yemoto, abafundi abaningi babhekana nenqwaba yemibuzo. Ukuthola izimpendulo kubo kuthatha isikhathi esifanelekile nomzamo.
Ngakho-ke, sinqume ukuphendula imibuzo ebuzwa njalo ngesihloko.
Umbuzo 1. Imiphi imibhalo edingekayo ukuze kubhaliswe i-OSAGO?
Ngaphambi kokukhipha inqubomgomo ye-OSAGO, umuntu kufanele alungiselele imibhalo elandelayo:
- Ukuhlolwa (ikhadi lokuxilonga);
- Isitifiketi sokubhaliswa kwezimoto (ishidi ledatha) (okubomvana noma okusawolintshi, ikhadi lepulasitiki). Uma imoto ingabhalisiwe, khona-ke ipasipoti yemoto ("indwangu yonyawo").
- Iphasiphothi (noma idokhumende ukufaka esikhundleni sayo, isibonelo, imvume yokuhlala).
- Ilayisense yomshayeli... Ilayisense yamanzi iyadingeka uma uhlu lwabashayeli abavunyelwe ukushayela lilinganiselwe.
- Amandla abameli (uma ungeyena umnikazi wemoto). Kwezinye izimo, le dokhumenti ingadingeka, yize ikhanseliwe.
Umbuzo 2. Siyini isijeziso ngokungabikho kwenqubomgomo ye-OSAGO?
E-Russian Federation, inhlawulo inikezwa ngokushoda komshwalense we-OSAGO.
Ithebula - izinhlobo zezinhlawulo nokujeziswa ngokungabi nenqubomgomo:
| Inhlawulo ye: | I-athikili Yekhodi Yokuphathwa Kwezomthetho kweRussia Federation | Ukujeziswa |
| Ukushayela ngaphandle komshwalense (kukhishiwe, kodwa akunanqubomgomo) | Ingxenye 2 Yezobuciko. Ikhodi Yezokuphatha ye-Russian Federation | 500 ama-ruble |
| Ukushayela ngaphandle komshwalense (akukhishwanga) | Ingxenye 2 Yezobuciko. Ikhodi Yezokuphatha ye-Russian Federation | Ama-ruble angu-800 |
| Ukushayela ngenqubomgomo ye-OSAGO ephelelwe yisikhathi | Ingxenye 2 Yezobuciko. Ikhodi Yezokuphatha ye-Russian Federation | Ama-ruble angu-800 |
| Ukushayela ngaphandle kwesikhathi sokusebenzisa imoto | Ingxenye 1 Yezobuciko. Ikhodi Yezokuphatha ye-Russian Federation | Ama-ruble angama-500 |
| Umshayeli wemoto akafakiwe kunqubomgomo ye-OSAGO | Ingxenye 1 Yezobuciko. Ikhodi Yezokuphatha ye-Russian Federation | Ama-ruble angama-500 |
Okubalulekile! Kusuka ngoNovemba 15, 2014 ngokushayela ngaphandle komshwalense kukhanseliwe ukujeziswa ngendlela yokususwa kwamapuleti elayisense kanye nokwenqabela ukusebenza kwezimoto.
Umbuzo 3. Yini i-MSC ku-OSAGO nokuthi ungayithola kanjani?
Ngamazwi alula,
I-KBM OSAGONgabe inani lesaphulelo elitholwe ngabanomshwalense lokushayela ngaphandle kwengozi esikhathini esedlule. Le coefficient incike kusukela enanini lokukhokha elenziwe ngonyaka owedlule lapho kwenzeka izehlakalo eziqinisekisiwe (inani lezindleko zokulungisa imoto).
Ngemuva konyaka owodwa wokushayela ngaphandle kwengozi, inani lokulingana liyancipha, ngakho-ke, izindleko zomshwalense ziyancipha. I-KBM iyinkomba yomuntu siqu yanoma yimuphi umshayeli onomlando womshuwalense.
Ngaphambilini, i-KBM ibibhekelwa kuphela imoto ethize futhi lapho kuthengiswa imoto, umshayeli ulahlekelwe isaphulelo sakhe esiqoqiwe. Futhi-ke, ukuze athole isaphulelo, wayedinga ukuthola "igunya" futhi. Ngale ndlela, sabhala kumagazini wethu wokugcina wemibono ethi "Imibono Yokuphila" ukuthi ungayithengisa kanjani imoto ngokushesha nangokumba eqolo.
kodwa, manje i-KBM iboshelwe kumshayeli futhi akuxhomekile ekutheni ushayela yiphi imoto. Ngaphezu kwalokho, lesi saphulelo sizohlala noma ngabe umninipholisi ushintshiwe (into esemqoka ukuthi igebe phakathi kokubhaliswa komshwalense alidluli unyaka).
Ngokulandelana, kukhona nezijeziso, uma kwenzeka ingozi - izindleko zomshuwalense ziyakhuphuka (kepha lokhu kusebenza kuphela kulawo macala lapho isamba esikhokhelwe umshwalense sikhokhwe).
Lapho umonakalo engozini ungabalulekile futhi nomshayeli, ukuze agweme ukubhaliswa okungadingekile, abuyisela imoto ngezindleko zakhe, lokhu ngeke kuthinte intengo yomshwalense.
Uma umshayeli (umninipholisi) abelwa isigaba sesithathu (sesihlanu) phambilini (KBM = 1) futhi bekungekho ngozi yomgwaqo (ukukhokhelwa komshwalense, ukulungiswa kwabashuwalense) nale nqubomgomo, ngonyaka olandelayo uzokwabelwa isigaba se-4 (KBM = 0.95), unyaka ngamunye wokushayela ngaphandle kwengozi i-Kbm yomshayeli incipha ngo-0.05 (okungukuthi, isaphulelo esingu-5%).
Ungalisebenzisa kanjani itafula lamanani we-KBm (i-bonus-malus coefficient):
Umbuzo 4. Ungayihlola kanjani imininingwane egciniwe yomshwalense wemfanelo womuntu wesithathu we-CMTPL
Ngaphambilini, amanani we-MSC ayekhona ezinqolobaneni zezinkampani zomshuwalense, ngakho-ke, lapho eshintsha umshwalense, umshayeli kwakudingeka acele isitifiketi esihambisanayo enkampanini yakhe yomshuwalense futhi asinikeze esisha. Kulezi zinsuku, kunesisekelo esihlanganisiwe sama-coefficients we-PCA.
Ngaphezu kwalokho, noma yimuphi umshayeli angabheka ngokuzimela i-coefficient yakhe yamanje ye-MSC.
Ukuze wenze lokhu, udinga nje ukuvakashela iwebhusayithi esemthethweni ye-PCA (utho.ru).
- Okokuqala udinga ukufaka isibongo, igama lokuqala kanye negama eliyisisekelo, usuku lokuzalwa lomshayeli, bese kuba nochungechunge nenombolo yelayisense yokushayela (Izinhlamvu zifakwa ngesiNgisi).
- Ngemuva kwalokho usuku lapho kuhlelwe ukukhipha khona inqubomgomo ye-OSAGO kukhonjisiwe, ikhodi yokuqinisekisa ifakiwe futhi inkinobho "yokusesha" icindezelwe.
- Uhlelo luzocubungula idatha futhi lubonise inani lamanje le-coefficient ye-MSC.
Uma, ngokwezibalo zomuntu siqu, ngokomqondo, inani le-MSC lingahambisani nalokho okutholakele, kuyadingeka ukuthi udlule kwinqubo yokubuyisela i-MSC, lapho uzodinga ukuxhumana nenkampani yomshuwalense, lapho inqubomgomo ye-OSAGO yakhishwa ngaphambilini.
Umbuzo 5. Kungani bekunganikelwa iMSC okungesiyo?
Okokuqala, ukunganembi okunjalo kungahle kube ngenxa ye- nelayisense yokushayela engena esikhundleni, uma kwenzeka muva nje. Ngenxa yokuthi wonke amarekhodi e-MSC aqoqwa ngesisekelo sedatha kuzinqubomgomo ze-OSAGO eziphelelwe yisikhathi umshayeli azikhipha ngaphambilini, kungahle kungabi khona idatha emayelana nomshayeli onelayisensi entsha ku-database, yize imininingwane yamalungelo angaphambilini, kunjalo, zizohlala zikhona futhi ngeke zinyamalale ndawo.
Lapho ushintsha ilayisense yokushayela, kubalulekileukuze ngesikhathi sokubhaliswa kwenqubomgomo entsha, kwenziwe inothi elihambisanayo mayelana namalungelo amadala. Ngendlela yenqubomgomo ye-CTP kunengxenye ekhethekile "yezimo ezikhethekile", lapho uchungechunge nenombolo yelayisense lokushayela langaphambilini kufanele lifakwe khona.
Ngaphezu kwalokho, isizathu salokhu kungalungi kungenzeka kube yisici somuntu, okungukuthi, iphutha elilula le-opharetha onganakile. Lokhu kungenxa yokuthi imininingwane yomuntu ihlale ifakwa ku-database ngumsebenzi womshuwalense noma i-ejenti, hhayi uhlelo oluzenzakalelayo, okusho ukuthi akufanele ukhohlwe ngamaphutha avelayo.
Isibonelo, izinhlamvu "e" kanye "e" egameni eligcwele lomshayeli kaningi ziba yisikhubekiso, umninipholisi kumele ahlole ngokucophelela yonke idatha yomuntu siqu efakiwe.
Uma umshayeli engena kuzinqubomgomo eziningi zomshuwalense ngasikhathi sinye, ngokwesibonelo, lapho eshayela izimoto eziningi ezahlukahlukene, nalokhu futhi kubangele ukubalwa okuyiphutha kwe-MSC... Lokhu kungenxa yokuthi kunethuba lokusetha amanani ahlukile we-MSC kumshayeli oyedwa kuzinqubomgomo ezihlukile.
Kuyenzeka futhi ukuthi inkampani yomshuwalense iyeke imisebenzi yayo ngaphandle kokudlulisela imininingwane ohlelweni lwe-AIS RSA, ngenxa yalokho ezingabhalisiwe lapho.
Umbuzo 6. Ngingayilungisa kanjani imininingwane eyiphutha ye-KBM ku-database ukuze ngigcine isaphulelo sami esinqwabelene?
Okokuqala udinga ukunquma ukuthi kube nini lapho kwenziwa iphutha ekubaleni i-coefficient ye-MSC, uqoqe zonke izinqubomgomo ezedlule bese ubala i-MSC ngokwakho, ngoba, ngeshwa, ayikhonjisiwe kuyo.
Kufanele kukhunjulwe ukuthi izinkomba zama-coefficients ingashintsha ngezikhathi ezahlukahlukene, ngakho-ke kuyadingeka ukubhekisa ku-Odinensi yeBhange laseRussia "Ngosayizi ophakeme wamazinga ayisisekelo wamazinga omshwalense kanye nama-coefficients wamazinga omshwalense ....... umshwalense wesikweletu somphakathi sabanikazi bezimoto»Noma amanani omshwalense we-OSAGO ngesikhathi sokubhaliswa kwenqubomgomo ngayinye. Yonke idatha ingatholakala kusizinda somphakathi ku-Intanethi. Kungcono ukuqala ngenqubomgomo yakamuva ekhishiwe.
Into engcono kakhulu, uma uqhathanisa intengo yenqubomgomo ekhishiwe nedatha yesibali esikhethekile minyaka yonke ukuze ugweme amaphutha, lapho-ke angabalwa ngesikhathi esifanele.
Uma kutholakala iphutha, lapho-ke udinga ukuxhumana nomshuwalense owenza leli phutha. Uma ngemuva kokubheka iphutha kuqinisekisiwe, bazo babophekile lungisa idatha ku-database, imvamisa lokhu kwenziwa ngaphakathi 2-3 (ezimbili noma ezintathu) izinsuku.
Uma inqubomgomo enedatha eyiphutha ingasasebenzi, umshwalense kuphela oyikhiphile ongalungisa idatha.
Okubalulekile! Ngokuya ngemininingwane ye-PCA, bona ngokwabo abakwazi ukushintsha idatha ku-database; ngakho-ke, ukufinyelela kuyo ngqo ngokuvamile akunanjongo.
kodwa, kuvame ukuba nezimo lapho kungenakwenzeka ukuxhumana nomshwalense owenze iphutha, ngenxa yokunqanyulwa kwemisebenzi yayo. Kulokhu, kungenzeka ihluleke ukulungisa idatha ye-MSC. Ezinye izinkampani zomshuwalense zizokwenqaba ukwenza lokhu, futhi i-PCA izophendula ukuthi ayinalo lelo thuba. Ngakho-ke, umuntu akufanele angakunaki ukubalwa kwesikhashana kwezindleko zenqubomgomo ye-CTP.
kodwa, kusafanele ukuzama ukufaka isikhalazo kwi-PCA, uchaze ngesimo esivele. Vele, okokuqala kudingeka unikeze ubufakazi bokunemba nokuphutha kwemininingwane eku-KBM ku-database.
Ukuze wenze lokhu, udinga ukuhlinzeka ngezinqubomgomo zomshuwalense zangaphambilini, kanye namakhophi nezitifiketi ezivela kubaninipholisi abadlule lokho ukuthi imoto ayizange ilungiswe futhi awukhokhelwanga imicimbi yomshwalense... Bese uthumela isikhalazo ngesimo sesitatimende kanye nemibhalo ebekiwe ku-PCA. Ngemuva kokwamukela isicelo, bazoqala ukuliqonda leli cala.
Uhlelo lokusebenza kufanele luqukathe idatha elandelayo:
- Igama eligcwele;
- Idatha yelayisense yokushayela (kanye nekhophi enamathiselwe);
- Uma abashayeli abaningana bengenela kuzinqubomgomo, amakhophi ama-passport wabo bonke abantu ababevunyelwe ukushayela imoto.
Umbuzo 7. Ngingasonga isaphulelo esiqoqiwe uma ngidale ingozi?
Kwezinye izimo, ungakwazi, ngenxa yokuthi umthetho okhona manje unikeza ithuba elisemthethweni lokubhalisa ingozi khona lapho, ngaphandle kokubamba iqhaza kwamaphoyisa omgwaqo kanye nenkampani yomshuwalense.
Ngomonakalo omncane, isib, imihuzuko emincane, izindleko zokulungisa ezizobiza Ama-ruble ayi-1-2 ayizinkulungwane, kungenzeka ukuthi uxoxisane nesisulu ngokunxeshezelwa khona lapho, ngenkathi ugcine isikhathi sakhe nesikhathi sakhe, ngoba akudingeki ulinde iqembu lamaphoyisa omgwaqo bese wenza amaphepha enkampani yomshuwalense ukulungisa imoto.
Akungabazeki ukuthi leso sinqumo sisebenza kuphela uma umonakalo ungabalulekile, ngaphandle kwalokho inkokhelo yokulungisa ingabiza kakhulu kunesaphulelo esilahlekile ku-OSAGO.
Umshuwalense wemfanelo yemoto akuyona nje indinganiso eyimpoqo ngokusemthethweni yokwamukelwa ukushayela imoto, kodwa futhi iyadingeka isimo sokuzivikela futhi ukuvikelwa kwabanye abasebenzisi bomgwaqo kusuka ekulahlekelweni kwezezimali. ngakho-ke Inqubomgomo ye-OSAGO - lokhu kuhlala kuyinkinga ephuthumayo kunoma yimuphi umnikazi wemoto.
Ekuphetheni, siphakamisa ukuthi ubuke ividiyo mayelana nomehluko nokufana phakathi kwenqubomgomo yangempela ne-fake ye-CTP nokuthi ungayibona kanjani inkohliso:
Kule ndatshana, ufunde ukuthi iyini inqubomgomo ye-CTP, ukuthi ungazibala kanjani izindleko zayo nokuthi ungabi kanjani isisulu sabakhwabanisi emakethe yomshuwalense wezimoto. Manje usungakhetha izimo ezithandeka kakhulu enkampanini yomshuwalense evumelana nawe. Futhi uma kwenzeka ungabaza ngomshwalense wokuqala we-OSAGO, ufunde ukuthi ungayihlola kanjani inqubomgomo ngobuqiniso ngenombolo esisekelweni se-PCA.
Umbuzo wabafundi!
Lapho (lapho inkampani yomshwalense) uthenga khona inqubomgomo ye-OSAGO? Uke wahlangana nokuqanjwa kwezinqubomgomo ze-CTP?
Sikufisela inhlanhla emgwaqweni nokushayela ngokuphepha, okuzokusiza ukonge imali yakho!
Bafundi abathandekayo bemagazini eku-inthanethi i-Ideas for Life, sizojabula kakhulu uma wabelana ngamazwana wakho ngesihloko sokushicilelwa esingezansi. Kuze kube yisikhathi esilandelayo!