Inqubomgomo ye-Electronic OSAGO - ungayikhipha kahle kanjani futhi lapho kunenzuzo ukuthenga umshwalense we-elektroniki we-OSAGO online: Izinkampani zomshuwalense TOP-8 + izinzuzo ezi-5 ze-electronic OSAGO

Ntambama, bafundi abathandekayo be-Ideas for Life umagazini wezezimali! Namuhla sizokhuluma ngenqubomgomo ye-elektroniki ye-OSAGO: ungayikhipha kanjani kahle ku-inthanethi nokuthi ungathenga kuphi umshuwalense we-OSAGO we-elektroniki ngemibandela evumayo.

Ngendlela, ubonile ukuthi idola selivele libiza malini? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!

Kulesi sihloko uzofunda:

• Uyini umshuwalense we-elektroniki we-OSAGO nokuthi yiziphi izici zayo ezihlukile, izinzuzo nezinkinga;
• Ungayikhipha kanjani kahle i-e-OSAGO;
• Ungangeni kanjani ezandleni zabakhwabanisi lapho uthenga i-e-insurance online.

Kuyo, umfundi uzophinda athole izimpendulo zemibuzo ethandwa kakhulu ehlobene nomshuwalense online.

Le nsizakalo inesithakazelo kubo bonke abanikazi nabashayeli bezimoto. Ubulula nobulula bomklamo bungadonsela ukunaka ngisho nabasolwa abakhulu bokuqalisa ukusebenza kwezinhlelo ezizenzakalelayo.

Ungayikhipha kanjani inqubomgomo ye-elektroniki ye-OSAGO ngenzuzo, ngokushesha, funda nje manje!

Sizokutshela kulo magazini ukuthi i-OSAGO ye-elektroniki iyini nokuthi yenzelwe ini, ungayithenga kanjani imishwalense online nokuthi ungayikhipha kuphi inqubomgomo ye-elektroniki ye-OSAGO.

1. I-Electronic OSAGO - izici, ubuhle nobubi 📊

Zonke izakhamizi zeRussia Federation ezinezimoto kudingeka ukuthi zibe nenqubomgomo ye-MTPL. Ukushayela imoto ngaphandle komshwalense oyimpoqo kukhokhiswa inhlawulo yenani kusuka kuma-ruble angama-500 kuya kwangama-800(hlola ukubaluleka kwesamba senhlawulo ngokungeziwe). Inqubomgomo kufanele igcinwe njalo eduze kwelayisense kanye nemibhalo yemoto.

Okubalulekile! Noma phakathi nohambo olufushane, kungenzeka izimo ezingalindelekile, inqubomgomo ye-CTP izovikela umshayeli ezinkingeni ezinkulu.

Umshuwalense wesikweletu somuntu wesithathu usho ukuvikelwa kwezintshisekelo zempahla yabanikazi bezimoto engozini yokulimala empilweni, empilweni nasezimpahla zabantu besithathu lapho besebenzisa imoto. Inqubomgomo ye-CTP isebenza endaweni yaseRussia Federation.

Ngokwesibonelo: Umnikazi wemoto kaZhiguli wangena emotweni yakwaMercedes. Umnikazi wemoto ebizayo akumele azikhathaze ngokushoda kwemali evela kumenzi wengozi. Ukulungiswa kwemoto kuzobuyiselwa ngumshwalense we-CMTPL womnikazi weLada

Izinkampani zomshuwalense ezinelungelo lokwenza umshwalense wemoto oyimpoqo kumele zinikezwe ilayisensi yokwenza lokho. Umshwalense ukhishwa noma umnikazi noma umshayeli okuzenzakalelayo. Kusukela ngo-2017 zonke izinkampani zomshuwalense kudingeka zinikeze izinqubomgomo ze-elekthronikhi ngokwesicelo samakhasimende.

Ungafunda imininingwane ephelele mayelana nomshuwalense we-OSAGO esihlokweni esithi "Ungabala kanjani izindleko nokuthi ungathenga kuphi nokuthi yini inqubomgomo yomshwalense we-OSAGO".

Kusukela ngo-Ephreli 2017 Kuqala ukusebenza imithetho emisha yokukhokhwa kwezihlawulo yizinkampani zomshuwalense. Kusungulwe izimo ezithile zokuhlinzekwa kwesinxephezelo semali noma ukukhokhelwa ukulungiswa kwemoto elimele.

Isinxephezelo semali sikhokhwa kuphela uma kwenzeka ukubhujiswa okuphelele kwemoto, esimweni lapho inani lesinxephezelo ngaphezu kwama-ruble ayizinkulungwane ezingama-400., ukufa kwesisulu noma ukwamukelwa kokukhubazeka kweqembu lokuqala noma lesibili.

Ukulungiswa kungenziwa kuphela ezinkampanini ezinconywe yinkampani yomshuwalense.

Umthetho usungula isikhathi esincane sewaranti yomsebenzi wokulungisa - Izinyanga eziyi-6, isikhathi sokulungisa sisethwe enyangeni engu-1. Inkampani yomshwalense ibhekele ikhwalithi yokulungiswa nesikhathi sokuphothulwa kwayo.

Sekuphele iminyaka emibili manje, abanikazi bezimoto benikezwa ithuba lokuthenga umshwalense nge-Intanethi.

Ngasikhathi sinye, kunezindlela ezimbili zokukhipha inqubomgomo ye-OSAGO:

• Okujwayelekile - kubhalwe kwifomu elijwayelekile, elithunyelwa ngeposi. Umgomo wephepha ungathengwa ku-inthanethi. Sibhale udaba oluhlukile mayelana nomshuwalense we-MTPL online.
• Ngogesi - e-OSAGO, ithunyelwa ku-imeyili yekhasimende.

Inombolo yesibalo ibhaliswe kwimininingwane yolwazi yoMnyango Wezangaphakathi kanye naku-database yeRussian Union of Auto Insurers. Inkampani yomshwalense kumele ibe yilungu elibhaliswe ngokusemthethweni le-PCA. Lokhu kunciphisa amathuba okuthi kwenziwe ngomgunyathi nokukhwabanisa.

Siphinde sabhala ngomshuwalense wemoto nokuthi ingakanani imali yomshuwalense wemoto ebiza indatshana eseceleni kusixhumanisi.

Ukuthuthukiswa kokuphathwa kwemibhalo ngogesi kwenza inqubomgomo ye-elektroniki ye-OSAGO ifunwe hhayi kuphela emadolobheni amakhulu aseRussia, kodwa nasezifundazweni ezikude. Uma abanikazi bezimoto zakuqala ezindaweni ezincane bebekhetha i-e-policy kumafomu ajwayelekile, manje kungenzeka kakhulu ukubona inqubomgomo ekhishwe nge-Intanethi.

Ochwepheshe benze isibikezelo sokuthi eminyakeni embalwa, izinqubomgomo zikagesi zizothatha indawo yamafomu ajwayelekile.

Izinzuzo (+) zezinqubomgomo zobuchwepheshe

Cabanga ngezinto ezinhle zokukhipha izinqubomgomo ze-e:

• Akunasidingo sokuchitha isikhathi uvakashela inkampani yomshuwalense, ume olayini, ungathola umshwalense ekhaya noma emsebenzini;
• Ukuphepha kombhalo kuqinisekisiwe, ngeke "ukhohlwe ekhaya", ulahlwe ngengozi noma udwengulwe;
• Ukubhalisa kungenziwa ubusuku nemini;
• Ukuba khona kwama-calculator kagesi kukuvumela ukuthi ubale inani lomshuwalense.

Umshuwalense we-elekthronikhi uqinisekiswa yisiginesha ye-elekthronikhi ethunyelwe neNqubomgomo.

Ngiyathokoza ukwazi: Ekwabeni kwezinsizakalo, izinkampani eziningi zomshuwalense zinikela ngamabhonasi nezinzuzo kumakhasimende akhiphe inqubomgomo kagesi. Ngaphezu kwalokho, amaklayenti alondoloza ekukhokheni amakhomishini kubasebenzeli bomshuwalense.

Okubi (-) izinqubomgomo ze-elektroniki ze-OSAGO

Ngaphezu kwezinzuzo, kunezici ezingezinhle zokusebenzisa izigxobo zikagesi:

• Iklayenti uqobo lifaka idatha mayelana nemoto nabashayeli, imininingwane engalungile ingaholela ekungenzeki kokuqedela ukuthengiselana.
• Imininingwane yolwazi ye-PCA ingaqukatha nemininingwane engalungile, engeke ivumele ukukhishwa kwenqubomgomo ye-elekthronikhi.
• Isidingo sokuhlola inqubomgomo ngamaphoyisa omgwaqo kuzizinda, okuthatha isikhathi.

Ngaphandle kobukhona bezinto ezingezinhle, insizakalo yokubhaliswa kwezigxobo ze-elekthronikhi ihlala ifunwa futhi ithembisa. Lokhu kufakazelwa izibalo: kwekota yesi-4 yowezi-2017, kukhishwe kabili kakhulu i-e-OSAGO kunangesikhathi esifanayo ngonyaka odlule.

Amathiphu namasu okuthenga umshwalense we-elektroniki we-OSAGO online

2. Ungayikhetha kanjani inkampani uma uthenga umshwalense we-elektroniki we-OSAGO - Izeluleko ze-TOP-8 ezivela kochwepheshe 💎

Kusukela ngo-2017 konyaka ukuthengiswa kwenqubomgomo yomshuwalense we-elektroniki ye-OSAGO kuphoqelekile yizo zonke izinkampani zomshuwalense ezigunyaziwe. Babophezelekile ukuqinisekisa ukusebenza ngokushelela nokungaphazamiseki kweziza ezisemthethweni. Inani lekhefu lobuchwepheshe kumasayithi akufanele libe njalo ngaphezu kwamahora ama-4 ngenyanga.

Okubalulekile! Uma isayithi lingasebenzi, iklayenti liqondiswa kabusha ngokuzenzakalela liye kwenye inkampani yomshwalense. Umsebenzi wokulawula ukwenziwa kwemiyalo kaHulumeni kubekwe eBhange Elikhulu LaseRussia kanye naseNingizimu Afrika.

Izinkampani zingamukela izicelo nge-imeyili futhi zithumele umshuwalense kumakhasimende noma zifake izinsizakalo ezikhethekile zokukhipha izinqubomgomo zikagesi.

Isikimu sokuthola inqubomgomo ye-elektroniki ye-OSAGO:

• Ukukhetha inkampani yomshwalense.
• Ukubhalisa ku-akhawunti yakho yomuntu siqu.
• Inani lomshuwalense libalwa kusetshenziswa i-calculator eku-inthanethi.
• Iklayenti lidlulisela inani lokukhokha ku-akhawunti yenkampani yomshuwalense.
• Inqubomgomo kanye nemibhalo ehambisana nayo izothunyelwa ekhelini le-imeyili.

Yonke imininingwane iya ku-database ye-PCA, lapho ihlolwa khona bese kwenziwa izinguquko mayelana nokuthengwa komshwalense.

Sichaze kabanzi ngokubhaliswa kwenqubomgomo esigabeni esingezansi.

Iphuzu eliyinhloko lapho uthatha isinqumo sokusebenzisa le sevisi ukukhetha inkampani yomshuwalense. Udinga ukuthola inkampani ethembekile, ene-solvent.

Ngakho-ke, ochwepheshe, lapho ukhetha umshwalense, batusa ukunaka la maphuzu alandelayo.

1) Ukuhlola ukufaneleka kwenkampani (ukutholakala kwamalayisense, njll.)

Zonke izinkampani zomshuwalense kudingeka zinikezwe ilayisense ukwenza imisebenzi yazo. Izinhlangano ezisemthethweni ziserejista engxenyeni esemthethweni yeROSSTRAKHNADZOR. Ngaphezu kwalokho, ikhophi yelayisense kufanele ibe khona kuwebhusayithi esemthethweni yenkampani.

Kuyafaneleka ukukhetha inkampani ebhaliswe eRussia Federation. Ngaphandle kwalokho, ungashiywa ngaphandle kwenqubomgomo nemali.

2) Ukuhlolwa kokuzinza kwezezimali kwenkampani

Ukuphakama kokuzinza kwezezimali kwenkampani, kuyisixazululo esikhulu futhi sinokwethenjelwa. Lokhu kusho ukuthi ngeke zibe khona izinkinga ngokukhokhwa komonakalo.

Izinkomba eziyinhloko zempumelelo yenkampani ngosayizi wezimali ezigunyaziwe nezimali zokugcina.

Ngokwesibonelo, ngomkhawulo omncane osungulwe wenhlokodolobha ogunyaziwe wezinkampani zomshuwalense esamba sama-ruble ayizigidi ezingama-30, inhlokodolobha egunyaziwe yeROSGOSSTRAKH ingama-ruble ayi-18.5 billion, ama-ruble ayizigidi eziyizinkulungwane ezingama-SOGAZ, ama-ruble angu-INGOSSTRAKH ayizigidi eziyizinkulungwane eziyi-17.5.

I-3) Ukuqhathaniswa kwemali yezimali yenkampani, inzuzo ephelele, inani lamaphrimiyamu nezinkokhelo

Lezi zindlela ziyizinkomba ezibalulekile zokusebenza kwenkampani. Atholakala kumawebhusayithi asesidlangalaleni ama-ejensi, futhi anquma isilinganiso.

4) Ukuhlaziywa kwezinkokhelo

Ukuzinza kwenkampani kuncike enkombeni yezinga lokukhokha. Imininingwane ngenani lemiklomelo etholakele namanani akhokhelwayo atholakala kumawebhusayithi asemthethweni ezinkampani nasemasangweni ama-ejensi abandakanyeka ekuhlaziyweni kwezinhlangano.

5) Inani lamakhasimende

Ukuba khona kwenani elikhulu lamakhasimende kukhuluma ngempumelelo yenkampani, ngekhwalithi yokufeza izibopho zayo.

6) Inkampani inokwethenjelwa

Ukuhlola izinga lokuthembeka, izinkampani zomshuwalense zinikezwa "Isilinganiso Sokwethenjelwa". Inikezwe ama-ejensi wokulinganisa. Namuhla i-ejensi ethandwa kakhulu yi-Expert RA. Izinga eliphakeme lokuthembeka libhekwa njengeklasi A ++, eliphezulu kakhulu A +, eliphezulu A.

7) Ukubuyekezwa kwezinkampani

Ucwaningo lwezibuyekezo lusiza ukunquma ukukhetha ngokuya ngamakhasimende, ijubane lokukhokha, izizathu zokwenqaba. Kuhle uma kunethuba lokuzwa izibuyekezo ezivela kubantu bangempela (obajwayele, abangane) asebeke bahlangabezana nezinkampani zomshuwalense.

Okubalulekile hlaziya ukubuyekezwa okuhle nokubi kuzithangami ze-thematic, ubukhona bazo nobungako bazo. Ngisho nombono ozithobayo ungasiza ekwenzeni ukhetho uvune inkampani ethile.

8) Ukuthandwa komkhiqizo

Impumelelo yenkampani iqinisekiswa ngegama layo elikhulu.

Imiyalo yesinyathelo ngasinye: ungayikhipha kanjani ngokushesha inqubomgomo yomshuwalense ye-OSAGO ye-elektroniki

3. Ungayikhipha kanjani inqubomgomo ye-elektroniki ye-OSAGO online ngezinyathelo ezi-7 - ukubhaliswa kwesinyathelo ngesinyathelo kwe-e-OSAGO 📝

Ake sicabangele inqubo yokukhipha i-e-CMTPL igxathu negxathu:

Isinyathelo 1. Ukukhetha inkampani yomshwalense

Udinga ukukhetha inkampani bese uya kuwebhusayithi yayo esemthethweni esigabeni esithi "Khipha inqubomgomo ye-elektroniki ye-CTP".

Isinyathelo 2. Ngemvume ku-akhawunti yakho siqu

Ungafaka i-akhawunti yakho siqu kuphela kubasebenzisi ababhalisiwe. Kwezinye izinkampani kungenzeka uye kuwebhusayithi "yomshuwalense" nge-portal yezinsizakalo zomphakathi.

Isinyathelo 3. Ukubhaliswa esizeni

Inqubo yokubhalisa ilula: uhlelo lunikeza ukugcwalisa uhlu lwemibuzo, olubonisa imininingwane yokuxhumana, inombolo yocingo ephathekayo, kuyadingeka ukuqinisekisa ikhodi yokuhlonza. Ngemuva kokufaka ikhodi yokuqinisekisa etholakele, iklayenti lithola ukufinyelela kwengxenye evaliwe yesikhulumi.

Isinyathelo 4. Ukugcwalisa izicelo

Gcwalisa wonke amafomu kanye nezicelo zokubhalisa. Isayithi linamafomu ezicelo aku-inthanethi aqukethe imininingwane ngomnikazi wemoto, izici zayo, abashayeli. Iklayenti libhekele ukunemba nokuphelela kolwazi olunikeziwe.

Ukuthola umshuwalense, imibhalo elandelayo iyadingeka:

• Ipasipoti evikelwe
• Amalungelo abashayeli abazoshayela imoto ngesikhathi semshwalense;
• Isitifiketi sokubhaliswa kwezimoto;
• Isitifiketi sokubhaliswa kwezimoto;
• Ikhadi lokuxilonga.
• Isigxobo esidala se-OSAGO (uma sikhona).

Ngaphezu kwalokho, udinga i-imeyili, lapho kuzothunyelwa khona iphasela lamadokhumenti, nekhadi lasebhange lokukhokhela umshwalense.

Noma yisiphi isakhamuzi esifinyelele eminyakeni engu-18 futhi esinezincwadi zokushayela sinelungelo lokuthatha umshwalense.

Isinyathelo 5. Isheke le-PCA

Inkampani yomshwalense ihlola uhlu lwemibuzo nge-PCA. I-database iqukethe imininingwane mayelana nezinqubomgomo ze-OSAGO ezikhishwe ngaphambilini, ubukhona bezingozi, nolunye ulwazi oluthinta ukubalwa kwe-coefficient enquma izindleko zomshuwalense.

Isinyathelo 6. Ukukhokhelwa kwepholisi

Ukuqinisekisa kuthatha imizuzu eminingana, ngemuva kwalokho iklayenti linikezwa inani elizokhokha. Inkokhelo yenziwa kusetshenziswa ikhadi lasebhange.

Yonke imibhalo edingekayo ithunyelwa ekhelini le-imeyili lomninipholisi, impinda yabo izotholakala ku-akhawunti yomuntu siqu kuwebhusayithi yenkampani yomshuwalense.

Isinyathelo 7. Phrinta inqubomgomo

Inqubomgomo iphrintiwe, kufanele ibe semotweni. Uma ufisa, kungenzeka uku-oda inqubomgomo ngefomu elijwayelekile, izothunyelwa ngeposi. Inkokhelo yokulethwa yenziwa ngemali yomshuwalense.

Ngiyathokoza ukwazi: Umhloli ngamunye wamaphoyisa omgwaqo kumele akwazi ukufinyelela kulwazi loMnyango Wezangaphakathi weRussian Federation, ukuze akwazi ukuhlola inqubomgomo, noma ngabe ikhishwa kanjani.

4. Ungayithenga kuphi inqubomgomo ye-elektroniki ye-OSAGO - izinkampani zomshuwalense TOP-8 ongakhipha kuzo umshwalense online 📄

Ukuze uthole insizakalo esezingeni eliphakeme, udinga ukukhetha inkampani yomshwalense ethembekile.

Ngokwezilinganiso zama-ejensi (Isazi, njll.), Izinkampani zomshuwalense eziphumelela kakhulu eRussia Federation yilezi:

Igama	Isilinganiso sokuthembeka	Imali egunyaziwe	Izinzuzo eziyinhloko
1. I-Rosgosstrakh	A ++	Ama-ruble ayi-8.1 billion	Yamukela umshwalense wanoma iyiphi imoto enokuhlolwa kobuchwepheshe.
2. SOGAZ	A ++	RUB 25 billion	Ingabe umholi emshuwalense wezimoto.
3. Iqembu "Umshuwalense we-Alpha"	A ++	Ama-ruble ayi-11.8 billion	Ulwazi olunzulu lomsebenzi, ukutholakala kwezinsizakalo, isivinini sokubhaliswa.
4. "Ingosstrakh"	A ++	Ama-ruble angu-2,5 billion	Ukutholakala kwezinhlelo ezihamba nomshuwalense ze-e-CASCO.
5. I-JSC "Umshwalense We-Tinkoff"	A ++	Ama-ruble ayi-6.7 billion	Ibhange elincane elithuthukile elenza ukuthuthukiswa kobuchwepheshe be-Intanethi.
6. "I-RESO-Garantia"	A ++	3.1 billion	Ukukhokha okusheshayo kwemicimbi yomshwalense.
7. IJSC "VSK"	A ++	Ama-ruble ayi-3.2 billion	Ikhwalithi ephezulu kanye nokwethembeka kwemisebenzi enikeziwe.
8. "MAX"	A ++	Ama-ruble ayi-5.8 billion	Ukugcwaliseka okusheshayo kwezibopho.

1) Inkampani yaseRosgosstrakh

Le nkampani isisebenze iminyaka engaphezu kwengu-20, futhi ilandela ngokusemthethweni i-RSFSR GOSSTRAKH. Isigxobo esivimbelayo siphethwe nguhulumeni. Isabelo semakethe sithi 26 %.

Inkampani ingavikela noma yikuphi ukuthutha ngokuya ngokuhlolwa kobuchwepheshe. Awekho ama-coefficients akhulayo ngobude bensizakalo nobudala babashayeli bezimoto. Izinga lokwenqaba ukukhokha ngu-3.4%.

Inkampani iqinisekisa ukutholakala, ukusebenziseka kalula kanye nokuthembeka kwezinsizakalo ezinikeziwe.

2) Iqembu le-SOGAZ Insurance

Ubelokhu esebenza emakethe yezezimali kusukela ngo-1993. Enye yezinkampani ezinkulu zomshuwalense waseRussia. Ithatha isikhundla esiphambili kumshwalense wemoto. Isabelo semakethe 4,6 %.

Umshuwalense we-elektroniki we-OSAGO ovela ku-SOGAZ unikeza umnikazi wemoto umshwalense uma kwenzeka ingozi ebangelwe yiphutha lakhe futhi uqinisekisa ukukhokhelwa kwezindleko kubantu besithathu. Izinga lokwenqaba ukukhokha ngu-6.6%.

Iqembu lomshuwalense lingesinye sezikhundla ezihola phambili ezimakethe zomshuwalense wezimoto.

3) Iqembu "Umshuwalense we-Alpha"

Le nkampani ibisebenza ezimakethe zezezimali iminyaka engaphezu kwengu-20, inesilinganiso sokuthembeka esiphakeme kunazo zonke i-A ++, inamahhovisi angaphezu kuka-250 amele amadolobha ahlukene aseRussia, futhi inamakhasimende angaba yizigidi ezingama-25.

Kubekwe u-4 phakathi kwabomshwalense abakhulu kunabo bonke eRussia Federation, ngesabelo semakethe 5,8 %... Inkampani ye-Alfastrakhovanie ingelinye labokuqala ukuqala ukukhipha i-e-OSAGO. Ukuthembeka nokuzinza kwenkampani kuqinisekisa ukubhaliswa komshuwalense we-elekthronikhi ngokushesha nangempumelelo.

Inqubomgomo ye-Electronic CTP ingathengwa ubusuku nemini.Izinga lokwenqaba ukukhokha ngu-2.2%.

4) Ingosstrakh

Le nkampani ibisebenza ezimakethe zezezimali iminyaka engaphezu kwengu-60. Isilinganiso se- ++. Isabelo semakethe 10,7 %.

Iphathelene nezinhlobo ezahlukahlukene zomshwalense, inamaphesenti aphezulu okukhokha. Ithimba liqukethe ochwepheshe abakwazi ukunikeza usizo nangesikhathi esifanele.

Lapho ufaka isicelo se-e-Casco, kunikezwa izinhlelo zomshuwalense ohambisana nazo.

Izinga lokwenqaba ukukhokha ngu-3.8%.

5) I-JSC "Umshuwalense we-Tinkoff"

Inkampani encane futhi ethembisayo ekhula ngempumelelo futhi ingene kwesinye sezikhundla ezihamba phambili emakethe yomshwalense.

Igcina inkambo ekwethulweni kokubhaliswa okuzenzakalelayo kwe-CASCO, inikezela inqubomgomo nge-imeyili noma iyithumele ekhaya lakho ngeposi elibhalisiwe ngokwesicelo seklayenti. Inikeza ithuba lokukhipha nokubala i-CASCO ngaphandle kokubamba iqhaza kwabalamuli.

6) "I-RESO-Garantia"

Usebenze ezimakethe zezezimali iminyaka engaphezu kwengu-15. Umsebenzi oyinhloko umshwalense wemoto, ngakho-ke kunesiqinisekiso sokukhokhwa kwezimangalo zomshuwalense ngokushesha nangempumelelo. Ubheka i-e-CASCO njengokubalulekile, ayikuvumeli ukwehluleka kohlelo, kungenzeka ukuthi athole inqubomgomo kalula futhi ngokushesha. Isabelo semakethe 13,4 %... Izinga lokwenqaba ukukhokha ngu-1.8%.

Le nkampani inamahhovisi angaphezu kwama-850 namahhovisi abamele, okwenza izinsizakalo zayo zitholakale futhi zifunwe.

7) "Indlu Yomshwalense" VSK "

Iminyaka engama-25 yesipiliyoni somsebenzi iqinisekisa insizakalo yekhwalithi. Inkampani ihlinzeka ngazo zombili izinsizakalo zomshuwalense wamafulethi nezindlu, kanye nomshuwalense wempahla ehambayo (ezokuthutha). Le nkampani yaba ngumklomelo weNational Company of the Year kabili. Isabelo semakethe 8,9%.

Le nkampani ibonakala ngezinga eliphakeme nokwethembeka kwemisebenzi enikezwayo. Ukubonisana nxazonke. Izinga lokwenqaba ukukhokha ngu-2.1%.

8) "MAX"

Isebenze kusukela ngo-1992. Izibopho ezicatshangelwayo, isibopho esigcwele sezezimali, isiqinisekiso sendlela yomuntu ngamunye kwiklayenti ngalinye zigcwaliseka ngokuqinile. Ikhonza abantu abangaphezu kwezigidi ezingama-30.

Imisebenzi 2,5 % imakethe yomshuwalense inephesenti eliphansi lokwenqaba ukukhokha - 5.7%.

Qaphela lapho ufaka isicelo somshuwalense we-elektroniki we-OSAGO - amathiphu okuthi ungangeni kanjani kubakhwabanisi

5. Ungakhohliswa kanjani lapho ubhalisa umshwalense we-elektroniki we-OSAGO - TOP-5 amathiphu awusizo 📋

Ngokuphathelene nokwenyuka kwamanani wenqubomgomo, abakhohlisi sebekhuthele kakhulu abafuna ukwenza imali ngokukhohlisa abaninqubomgomo. Abakwa-Scammers kanye nabakwa-scammers banikela ngenqubomgomo ngezindleko ezincishisiwe.

Kubalulekile ukukhumbula!Ama-coefficients wokubala asethwe yizinhlaka zombuso. Izinkampani zomshuwalense zinquma kuphela inani lesisekelo.

Ochwepheshe basikisela ukulandela izeluleko ezilandelayo ukugwema ukubanjwa ngabakhwabanisi:

Umkhandlu unombolo 1. Akufanele uthenge inqubomgomo ngezindleko ezincishisiwe

Umbandela oyinhloko wokukhetha inkampani yomshuwalense ukuthembeka nokuzinza kwayo. Izinkampani ezinkulu zinganikeza izaphulelo namabhonasi kumakhasimende abo. Inani labo alikho ngaphezu kwe-10% yenani lomshuwalense. Ngakho-ke, lapho unikela ukuthenga umshwalense ngentengo engaphansi izikhathi eziphindwe kabili kunesincane, kuyacaca ukuthi lokhu "ngumkhonyovu" olula.

Ngokubala okulinganiselwe kwezindleko zenqubomgomo ye-MTPL, sincoma ukusebenzisa umshini wokubala wethu:



Umnikazi

Ngamunye

Ibhizinisi

Ingabe izosetshenziswa nge-trailer?

Inani labantu abamukelwe

Kunomkhawulo

Akunamkhawulo

Isikhathi sokusetshenziswa ngonyaka

Ukwephulwa ngokweqile kwemibandela yomshuwalense?

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Uma unikezwa izindleko zomshuwalense we-MTPL ziphansi kakhulu kunaku-calculator engenhla, lapho-ke kufanele uqaphele bese ubala kabusha yonke imibandela ekupholisi futhi.

Umkhandlu unombolo 2. Hlola isithunzi senkampani yomshuwalense

Inkampani yomshwalense ingahlolwa ngokwanda kwayo endaweni yaseRussian Federation. Izinkampani ezihlonishwayo ezinamahhovisi amaningi namahhovisi abamele kulo lonke elaseRussia abahlanganyeli emisebenzini yomgunyathi. Lapha amathuba okuwela ezandleni zabakhwabanisi mancane.

Ukuzinza komsebenzi weqembu lomshuwalense, iphesenti lokwenqaba ukukhokha izimangalo zomshuwalense kuyabhekwa.

Umkhandlu unombolo 3. Bheka iphasela elithunyelwe lemibhalo

Imibhalo, lapho wenza inqubomgomo ye-elekthronikhi, yiza e-mail yomninipholisi. Kuyadingeka ukuhlola ukutholakala kwawo wonke amadokhumenti adingekayo athunyelwe ngesikhathi sokubhaliswa kwe-e-OSAGO.

Okubalulekile! Ukungabi bikho kwemibhalo eyodwa kungaholela ekubeni ize kwalowo msebenzi nokuhlawuliswa ngokushayela ngaphandle komshwalense oyimpoqo.

Iqoqo lemibhalo kufanele liqukethe:

• Inqubomgomo enerisidi lokukhokha.
• Isiginesha ye-elekthronikhi.
• Isikhumbuzi se-insured kanye nemithetho yomshuwalense ye-OSAGO.
• Xhumanisa lapho ungabheka ubuqiniso bomshuwalense.
• Amahhovisi abamele inkampani yomshwalense esifundeni lapho kutholakala khona ezokuthutha.

Ungahlola ubuqiniso bomshuwalense ngokuya kuwebhusayithi esemthethweni ye-PCA, ngokufaka inombolo ye-e-policy ye-OSAGO oseshweni. Isimo senqubomgomo sizohlolwa ngokuzenzakalela.

Uma isebenza, akukho okumele ukhathazeke ngakho, uma kungenjalo, ukulandela isisho esithi “usizi ukhokha kabili,” kuzofanele uphinde ukhiphe inqubomgomo, enkampanini ethembekile kuphela.

Umkhandlu unombolo 4. Yenza i-e-OSAGO kuphela kumawebhusayithi asemthethweni ezinkampani

Kusukela ngo-2017 noma iyiphi inkampani yomshwalense egunyaziwe kumele ibe newebhusayithi esemthethweni esebenzayo enekhono lokukhipha i-MTPL ngogesi. Imininingwane yokuxhumana kufanele ifake izinombolo zocingo zokubonisana. Uma isiza sinokuxhumana okungabazisayo, kwethulwa imininingwane engabalulekile, izingcingo aziphenduli, kungcono ukhethe omunye umshwalense.

Ukuze uqiniseke ngokukhetha okulungile, ungasebenzisa izinsizakalo zabasizi abavela eceleni. Amapulatifomu anjalo adaliwe, phakathi kokunye, ukwenza lula ukufunwa komshwalense wamakhasimende akhipha i-e-OSAGO.

Umninipholisi unikezwa ngezinketho ezilandelayo:

• Bala umshwalense.
• Khetha amadili amahle kakhulu.
• Thola okunikezwayo ngakunye ku-akhawunti yakho yomuntu siqu.
• Thola inqubomgomo ye-elekthronikhi, ngenkathi wonga kufika ku-20% wezindleko zayo.

Izinsizakalo zamasayithi anjalo zivame ukuba mahhala. Ukuthola imininingwane, kufanele ubhalise. Ngemuva kokucacisa uhlobo lomshuwalense, iklayenti lithola ithuba lokubala izindleko ze-e-OSAGO ezinkampanini eziningana ngasikhathi sinye.

Ukunakwa! Ngokuphathelene nokufunwa kwensiza, amawebhusayithi avele - ama-clones, okuthi esibonakalayo aphindaphinde amawebhusayithi asemthethweni ezinkampani zomshuwalense. Ukuze ungangeni kubakhwabanisi, ungashayela inombolo yocingo yenkampani yomshuwalense.

Ukuhlola ukuphepha kwekheli lesiza nakho kuzoqinisekisa ukuthi ukhona umshwalense. Izinsizakusebenza ezingenasiqalo "https: //"Athathwa njengokuvikeleka okuntekenteke, futhi akufanele ufake imininingwane yomuntu kuwo, ngoba kungenzeka ukuthi kwebiwa.

Umkhandlu unombolo 5. Shayela ucingo enkampanini yomshuwalense

Ungahlola ubuqiniso be-elektroniki i-OSAGO ngokushayela izinombolo zocingo ezethulwe kuwebhusayithi yenkampani. Lapho utshele umphathi inombolo yenqubomgomo, mcele ukuthi abheke ukuthi ikhona yini kwirejista.

Uma ummeleli wenkampani yomshuwalense eqinisekisa ukuba khona kwenqubomgomo, khona-ke konke sekumi ngomumo.

6. Umehluko phakathi kwenqubomgomo ye-elektroniki (i-e-OSAGO) nephepha elilodwa 📑

Mayelana nokufaneleka, zombili izinhlobo zenqubomgomo zinamandla afanayo wezomthetho... Ukuvela kwezigxobo nakho kuyafana, umehluko wukungabikho kwezimpawu zokuvikela esigxotsheni se-elekthronikhi, azidingeki nje. Imininingwane yabanomshwalense ifakwa kwirejista eyodwa, etholakala e-RSA nase-IMTS yoMnyango Wezangaphakathi weRussian Federation. Zikumawebhusayithi asemthethweni alezi zinhlangano, nalapho iphoyisa ngalinye lomgwaqo lingahlola noma imuphi umnikazi wemoto ukuthola umshuwalense.

Inzuzo yokukhipha inqubomgomo kagesi ukuthi abakhwabanisi kulula futhi kuyashesha ukukhohlisa inguqulo yephepha yomshuwalense, ngoba mbumbulu kagesi kunzima kakhulu.

7. Ukuqinisekiswa kwezinqubomgomo zomshuwalense we-MTPL ngamaphoyisa omgwaqo 🔎

Imithetho yomgwaqo icacisa imfuneko yokuba khona komshwalense we-OSAGO ukuze kwethulwe iphoyisa lomgwaqo. Ngenxa yokuthi kungenzeka kukhishwe inqubomgomo ye-elekthronikhi, enjalo isidingo kwehlile.

Nge-RSA noma i-Ministry of Internal Affairs database, omele umthetho uhlola ukutholakala komshuwalense ngenombolo yenqubomgomo noma ngenombolo kamazisi yemoto ngayinye (i-VIN).

Izeluleko eziwusizo: Ukugwema ukungezwani, kungcono ukuphrinta inqubomgomo ye-elekthronikhi bese uyinamathisela kumadokhumenti asemotweni. Lokhu kuyiqiniso ikakhulukazi ezindaweni ezikude kakhulu nesikhungo, lapho amaphoyisa omgwaqo athembela kakhulu abezindaba bephepha.

Lapho ingekho i-Intanethi, omele abomthetho angashayela esiteshini samaphoyisa esiseduzane ukuze ahlole ukutholakala komshuwalense ngenombolo yenqubomgomo noma nge-VIN yemoto.

Ngemuva kokuthuthuka okuphelele kohlelo lomshuwalense we-elekthronikhi, isidingo sokuthi ube nephepha nawe sizonyamalala sodwa.

Izinzuzo eziyisihlanu eziyinhloko zezinqubomgomo ze-elektroniki ze-OSAGO

Izinzuzo ze-8.5 zokukhipha inqubomgomo ye-E-OSAGO nge-Intanethi ✅

Umshuwalense we-elekthronikhi unenzuzo kubo bobabili abathintekayo entengisweni. Asikho isidingo sabashuwalense sokugcina abasebenzi abaningi, abaqeqeshe, baqashe indawo yamahhovisi, njalonjalo.

Ake sibhale ngokuqhubekayo izinzuzo zokuthenga inqubomgomo ye-e-OSAGO nge-Intanethi.

Inzuzo 1. Ukonga imali

Ukubhaliswa kwe-e-OSAGO kwenzeka ngaphandle kwabalamuli, abadinga ukukhokha ikhomishini eyengeziwe ngokuthengiselana. Izinkampani eziningi ezinkulu zomshuwalense zinikeza amakhasimende okungeziwe izaphulelo futhi amabhonasi lapho usebenza nabo nge-Intanethi.

Usizo 2. Ukutholakala nokushesha kokulethwa kwezidingo

Kukhona ukonga okuphawulekayo ngesikhathi. Ukuze uthole inqubomgomo, awudingi ukuya enkampanini, ume kulayini, ulalele imininingwane ehlukahlukene eyengeziwe evela kuma-ejensi omshwalense.

Kumshuwalense ojwayelekile, uzodinga ukwaba kusuka emahoreni ama-2-3... Ukukhipha inqubomgomo kagesi kuthatha 15-20 imizuzu... Ukuthola umshuwalense wenqubomgomo ye-elektroniki, kwanele ukuba nekhompyutha kanye ne-Intanethi. Inqubomgomo izothunyelwa nge-imeyili ngokushesha ngemuva kokukhokha.

Okubalulekile! I-Bank of the Russian Federation ilawula ngokuqinile ukuthotshelwa komshwalense nesidingo sokuthengiswa okungaphazanyiswa kwe-e-OSAGO.

Kuhlawuliswa izinkampani ezephula umthetho, ngakho abanikazi bezinqubomgomo bazama ukuqinisekisa umsebenzi ongaphazanyiswa wokukhipha izinqubomgomo ezisebenza ngogesi.

Inzuzo 3. Amandla wokukhetha inketho enenzuzo

Ngokusebenzisa i-Intanethi, umninipholisi uthola ithuba lokukhetha isevisi enenzuzo. Ukunquma uhlelo oluphelele lwentela, kwanele ukuqhathanisa amanani entengo ezinkampanini zemishwalense eziningana.

Inzuzo 4. Ukusebenziseka kalula

Inqubomgomo ye-elekthronikhi ayikwazi ukulahleka noma ukukhohlwa ekhaya, ngeke iphelelwe amandla ngoba idabukile noma imanzi. Umninipholisi uhlale enethuba lokuphrinta idokhumenti entsha (uma ifiswa).

Amaphoyisa omgwaqo, ngokuvamile, awadingi imithombo yezindaba yamaphepha ukubheka ukutholakala komshwalense.

Inzuzo 5. Inkokhelo elula

Umshuwalense we-elekthronikhi ukhokhelwa ukusebenzisa ikhadi, isikhwama semali esisebenza ngogesi nezinye izindlela zokukhokha nge-Intanethi.

9. Ukuqedwa kwamaphutha ekubhalisweni kwe-elektroniki i-OSAGO 🔔

Ngeshwa, akekho ongenawo amaphutha. Ngokuya ngempendulo evela kumakhasimende asevele ethathe umshwalense we-elektroniki, zenzeka kaningi.

Okuvame kakhulu ukungahambelani kwedatha phakathi kwedatha etholakala kwirejista yoMnyango Wezangaphakathi ne-RSA kanye nalezo ezinikezwa abaninipholisi ohlwini lwemibuzo:

• Ukungafani phakathi kwezinombolo ze-OB ne-STS... Lokhu kwenzeka kaningi, ungazama ukuzihlela kabusha.
• Iphutha ngosuku lokuthola amalungelo... Kuyadingeka ukusetha usuku lokuthola, hhayi ukuvuselelwa kwelayisense yokushayela.
• Isipelingi esingalungile sohlobo lwemoto.
• Ukuzimisela okungalungile kwe-coefficient ye-Bonus-Malus (BKM) ngohlelo Ingabe isephulelo sokushayela ngaphandle kwengozi. Imininingwane ingathathwa kumshwalense wangaphambilini, akunzima ukulungisa leli phuzu ngokuxhumana nomshuwalense.

Izinkampani zemishwalense zixwayisa ngokuthi uma kunokungahambisani, kuyadingeka ukuthumela ama-scans amadokhumende enkampanini bese umshwalense ezohlola yonke imininingwane bese enza izinguquko ezidingekayo eyedwa.

Imvamisa, ngenxa yokwehluleka kohlelo, ungabona amaphutha anjalo:

1. "Yehlulekile ukuthola ukubalwa kwedatha enikeziwe";
2. "Iphutha lokushintshana ne-PCA";
3. "Ukubhalisa akutholakali esifundeni sakho";
4. "Iphutha elingaziwa".

Ukuziqeda, ungazama ukuvakashela isayithi ekuseni, lapho uhlelo lungalayishiwe kangako.

Ngiyathokoza ukwazi:Uma, lapho kubhaliswa i-e-OSAGO, umninipholisi akhombise imininingwane engalungile, okuholele ekwehleni kwezindleko zenqubomgomo, kuyadingeka ukuthi uxhumane nenkampani yomshuwalense ngokushesha ukuze icacise imininingwane.

Ngaphandle kwalokho, umshwalense unelungelo lokuthola kumninipholisi lonke inani lesinxephezelo somshuwalense esikhokhelwe isisulu uma kwenzeka ingozi. Uma kungekho zinkokhelo, kuzolandwa umehluko phakathi kwemali ekhokhelwe nenani elikhokhwayo.

10. AmaNuances okufanele anakwe lapho kubhaliswa i-e-OSAGO 📎

Cabanga ngamanye ama-nuances angeziwe okufanele acatshangelwe lapho uthenga inqubomgomo ye-elektroniki ye-OSAGO nge-Intanethi:

1. Ngenxa yokungalungi kwezinhlelo lapho izingosi zezinkampani zomshuwalense zitholakala khona, ezinye izinhlelo zivame ukuba yiqhwa futhi zinikeze amaphutha. Ungazama ukuvakashela iwebhusayithi yomshuwalense ngezikhathi zokuqala lapho kungekho umthwalo osindayo kuseva.
2. Uma unokungabaza ngobuqiniso bensiza yewebhu, ungashayela ucingo lwenkampani yomshuwalense.
3. Ezinye izinkampani zicela "ukuskena" kwawo wonke amadokhumenti.
4. Izinhlelo kwezinye izinkampani azikuvumeli ukuthi ukhiphe inqubomgomo ngokushesha, ngakho-ke lapho ukhetha inkampani, kufanele ufunde izibuyekezo ngomsebenzi wamasayithi athile.
5. Ngenxa yokwanda kobungozi, izinkampani zemishwalense ziyanqena ukukhipha i-e-CMTPL yezimoto ezindala noma abashayeli abangenalwazi, bethola izizathu ezingavumelekile zokwenqaba umshwalense.
6. Umgomo we-elekthronikhi ungalayishwa kwi-smartphone (ifoni) ukuze usebenzise kalula.
7. Lapho ubhalisa ipali okokuqala ngqa, kuzofanele uye enkampanini yomshuwalense.

Ngiyathokoza ukwaziEkupheleni kuka-2020, kuhlelwe ukuthi kuthuthukiswe ngokugcwele izinhlelo ezivumela ukulandela umkhondo wezimoto ezingenawo umshwalense zisebenzisa amakhamera evidiyo bese zithumela inhlawulo ngeposi.

11.Imibuzo Ebuzwa Njalo (FAQ) ❓

Ngenxa yokuthi insizakalo ye-e-MTPL yintsha, abanikazi bezinqubomgomo banemibuzo eminingi ehlobene nokwakheka, imibandela kanye nokusetshenziswa kwezigxobo zikagesi. Nazi izimpendulo ezivame kakhulu:

Umbuzo 1. Ibukeka kanjani inqubomgomo kagesi? (Isithombe, idatha edingekayo)

Ngemuva kokubhalisa nokukhokha, umninipholisi uthola inqubomgomo nge-imeyili ngefomethi ye-pdf.

Lokhu kubukeka kanjani njengepholisi yomshuwalense we-OSAGO - isithombe

Ukubukeka kwayo cishe akuhlukaniseki nozakwabo wephepha. Luhlaza okotshani, kuphela awekho amaphethini amancane okulwa nomgunyathi kuwo.

Inqubomgomo iqukethe imininingwane elandelayo:

1. Igama.
2. Inombolo yenqubomgomo yochungechunge XXX (ngoba eye-elektroniki).
3. Ithemu yomshwalense.
4. Isikhathi sokusetshenziswa kwemoto embozwe umshwalense.
5. Umninipholisi
6. Umnikazi wemoto.
7. Izici zemoto: brand, VIN, state. uphawu.
8. Uhlu lwabantu abavunyelwe ukushayela bukhombisa inombolo yelayisense yokushayela.
9. Inani le-premium yomshuwalense.
10. Igama labomshwalense likhonjisiwe kumamaki akhethekile
11. Usuku lokuphothula inkontileka.
12. Umninipholisi (usayinwe ngesiginesha ye-elekthronikhi).
13. Isitembu somshwalense.

Isampula e-OSAGO: isibonelo sesithombe sokuthi inqubomgomo ye-elektroniki ye-OSAGO ibukeka kanjani

Ingaphrintwa kuwo womabili amaphrinta ombala nabamnyama nabamhlophe, akunandaba ngokukhonjwa kwayo.

Umbuzo 2. Yini okufanele ngiyenze uma kwenzeka "iphutha elingalindelekile" ngesikhathi sokukhokha?

Uma kunephutha elinjalo, ungazama ukunika amandla isaziso se-SMS ekhadini lasebhange labomshwalense. Lokhu kungahle kube ukuphatha okungalungile kwamaphutha okukhokha, noma ukuhanjiswa kwawo ngefomethi engalungile kusevisi ngesango lokukhokha.

Ungazama ukukhokha ngenye ikhadi.

Umbuzo 3. Yini okufanele uyenze uma ulwazi lomshayeli lukhonjiswe ngokungalungile?

Ukulungisa leli phutha kuzosiza ukukhombisa hhayi isipiliyoni sangempela, kepha usuku lokukhishwa kwamalungelo. Uhlelo oluhlola unyaka, usuku nenyanga alubalulekile.

Umbuzo 4. Asikho isiqinisekiso esivela ezinhlelweni ze-PCA ezimaphakathi, yini okufanele ngiyenze?

Uma kukhona umehluko phakathi kwedatha enikezwe umninipholisi nalabo abakuhlelo lwe-PCA, kuvela iphutha: "Akudlulisanga isheke ku-AIS PCA".

Ukulungisa idatha oyidingayo:

1. Bheka imininingwane enikeziwe. Kwezinye izinkampani zomshuwalense, idatha engazange idlulise isheke iqokonyiswa ngombala, kokunye akunjalo, ngakho-ke udinga ukutadisha ngokucophelela yonke imininingwane oyinikeziwe.
2. Bheka ukuhambisana kwemininingwane ye-TCP kanye neSitifiketi sokubhaliswa kwemoto. Lapho ugcwalisa uhlu lwemibuzo, kungcono ukuthatha imininingwane kumshuwalense wangaphambilini, ngoba sebevele bangena ku-database ye-PCA.
3. Ukulungisa iphutha, thintana nensizakalo yokusekelwa kwezobuchwepheshe yenkampani yomshuwalense.

Sincoma ukuthi uzijwayeze ama-nuances okufanele acatshangelwe lapho uthenga i-MTPL ye-elektroniki online.

Ngaphandle kokuthi ukwethulwa kwe-e-CMTPL kuchazwa ezingeni lomthetho, kunezinkinga eziningi ezivela ngesikhathi sokuklanywa, ezihambisana nokungalungi kwamasayithi, ukuba khona kwamaphutha ohlelweni lwe-PCA.

Ukubhaliswa komshuwalense we-e-MTPL kuyindlela entsha ekwakhiweni komshuwalense wezimoto, le sevisi isivele ithandwa. Sekuvele kucacile ukuthi ikusasa lilele ezindleleni zesimanje zomshuwalense wezimoto.

Ekuphetheni, siphakamisa ukubuka ividiyo nge-elektroniki i-OSAGO nge-Intanethi:

Bonke abashayeli bezimoto abasebenzisa indlela yakudala yokubhalisa kufanele bazame ukukhipha inqubomgomo ye-elektroniki ukuze bezwe zonke izinzuzo zokuyisebenzisa.

Imibuzo kubafundi

Ingabe uyithengile inqubomgomo ye-e-CTP nge-Intanethi? Ngabe ukwazile ukuthola futhi uthole umshuwalense okokuqala?

Bafundi abathandekayo besayithi "RichPro.ru", uma usenemibuzo ngokuthengwa kwezinqubomgomo ze-elektroniki ze-CTP noma ukuphawula ngesihloko sokushicilelwa, bese ubashiya kumazwana angezansi.

Bukela ividiyo: Как легко сделать ОСАГО со смартфона (Julayi 2024).