Class "ibhonasi-malus" - ntoni na? Class "ibhonasi-malus" Wazi njani?

Ixabiso le nkqubo iquka izinga isiseko apho olutshintsha-tshintsha ngayo izinto ezithile. Baxhomekeke umthamo imoto, ukuxatyiswa ubudala umqhubi kunye nezinye iparameters. Omnye wemiba na udidi "bhonasi-malus". Yintoni na? Njengoko count? Ntoni eli nani kuxhomekeke? Iimpendulo zale mibuzo, funda phezu kweli nqaku.

definition

XRD laqalisa lomlingani nesetyenziswa xa kubalwa ixabiso libe CTP ethile kunye isithuthi - ". Malus-bonus" Class Yintoni na? Thathela ingqalelo utshintsho kwixabiso izinga isiseko yokuthandana a ilikhubalo lokunyanga abaqhubi oluchanileyo abaye baba namava elide lokuqhuba ingozi-free. Kuba abantu abaye abenzi ababe ingozi, oko kube nomphumela - ukwandisa yokukhwela ngokuphindwe 2.5.

Class "ibhonasi-malus" (MSC) - isaphulelo ukuba ukukhwela ecocekileyo. Iinkampani ze-inshorensi banomdla abaqhubi oluchanileyo. Ngandlel 'umvuzo wabo kumaxabiso inika okuza, ngokubonelela izaphulelo kubathengi. Insurer index waphuhliswa MSC, elinoxanduva lokuqhuba ingozi-free kwaye inika isaphulelo se-5% ngonyaka ngamnye. Kuthathelwa ingqalelo kuphela ngozi apho intlawulo yenziwa.

Njengoko MTPL ukhuseleko umonakalo obangelwe ngumnini-nkqubo amaqela wesithathu, kulo mzekelo, kuthathelwa ingqalelo kuphela ingozi, elo umsunguli ye client. Iziganeko, kubandakanywa ihonjiswe ngaphandle ubukho amagosa amapolisa ezendlela (ngaphandle evroprotokol) ukuba akabalwa. Isifundo kwesivumelwano luxanduva lomqhubi, kungekhona isakhiwo. Ngokulahlekelwa-kwezigqibo elungiselelwe imali, nto leyo kwandisa kakhulu ixabiso le nkqubo. Yiloo nto ke hambo inkathazo-free iklayenti ifumana "ibhonasi", kodwa kuba yintoni uxanduva ingozi - "malus". Ngenxa yoko igama laloo isalathisi.

Indlela ukumisela udidi "bhonasi-malus '?

Ngokungagqibekanga, i-MSC ayifakwanga kwi nkampani ledatha SAR - it bhalisa data on izivumelwano ezidlulileyo, ekhutshwe kwi mntu isithuthi. Oku kubalwa ngokuthi kwiarhente ngummi yezibheno mhaka. Iya negalelo le-SAR base data ekupheleni kwekhontrakthi yangoku. Olu xanduva lukhuselekile uMthetho "Kwi esisinyanzelo". Xa kusenziwa oku, kunqabile eyenziwa. Khangela eklasini ze "bhonasi-malus" kungaba yinto nje kuphela kwinkampani ye-inshorensi, kodwa kwakhona nge website RSA. Ifom ekhethekileyo kuyimfuneko ukuba ukhankanye ikhowudi VIN, igama kwaye idatha yokundwendwela. Isiphumo kuya kwenziwa ngohlobo iqhezu amanani ukuya kwi 2,45.

iintlobo okuza

Kukho 13 iiklasi MSC - ukususela kwixesha zokuqhuba nangaphaya, kuxhomekeka kwinani iingozi kunye neentlawulo-inshorensi kubo (umnini polisi banokuchaphazeleka, kodwa hayi ingozi ngumtyholwa).

Kuba le theyibhile, unako lula ukufumana inani elikhoyo i "ibhonasi-malus". Inkqubo yokubala kunye practice zesi salathisi iza kuxoxwa banzi ngezantsi. imithetho jikelele ukusetyenziswa itafile uyakwazi ukubona kule isampulu. Lo mqhubi KMB kwibanga wesihlanu. Eqala nkqubo MTPL kunye inomlingani 0.9. Ukuba unyaka opheleleyo ngaphandle iingozi ingqesho, ngoko ufumane kwibanga lesithandathu kunye nobukhulu-15% isaphulelo. Kodwa ukuba umqhubi uya bandiqumbise ingozi, iklasi liye lancitshiswa 3. Ukuba ngu-2 ingozi - into 1. Le nkqubo xa uwonke waqalwa. Kulo nyaka kunokwandisa iklasi elinye kuphela. Ukuba, zingaphelanga iinyanga ezili-12 umqhubi hayi inshorensi kwi CTP, ulwazi ngaye esisekweni SAR ngokuzenzekelayo kwakhona.

izibonelo

Man August 9, 2014 okokuqala wayithenga inkqubo MTPL kangangonyaka. Ngeli xesha lokunika ingxelo, akazange wakhwela kwingozi. "Ibhonasi-malus" yena wabeka ngenxa eklasini. Wazi njani ubukhulu bakhe? Ekuqaleni, umqhubi eyabelwe kwiklasi yesithathu ixabiso kwisalathiso 1. Emva konyaka, ukukhwela ecocekileyo kwibakala lakhe 4 kunye nexabiso 'ngumlingani ka 0.95 aza kunikwa imisebenzi ngemisebenzi.

Umzekelo ezimbaxa ngakumbi. Agasti 8, 2015 okokuqala umntu inshorensi imoto kunye iminyaka emi-5 abazange bayifumane kwingozi. Ngowe-2020, nguye onoxanduva yeengozi ezimbini. iklasi of "bhonasi-malus 'baya kuvuswa kule meko. Yintoni na? In "umqhubi yoqhawulo-iminyaka emihlanu uzuzele 8 MSC eklasini. Kodwa emva kokuba isibonisi iingozi ezimbini wayifaka nakowesibini ezixabisa 1.4.

Indlela yokusebenzisa le MSC ukuya inshorensi evulekileyo nokunqongophala

Ngokutsho uxwebhu "Amaqondo eziseludinini zobungakanani," udidi ibalwa ukususela data kwi umnini ngokunxulumene kwisithuthi. Ngokwesivumelwano, akukho mda kwinani labantu bavuma kulawulo imoto. Le isaphulelo uzimisele ngokusekelwe idatha malunga isithuthi kunye iklasi ka-mkhosi, nto leyo ngaphambili. Ukuba le nkcazelo ezilahlekileyo, umnini esabelwa Class 3.

Ukuba ipolisi ibuyiselwa ekhutshwe inani mda abaqhubi, ngumlingani uzimisele ukuba umnini-moto. KBM - Lubalasele umqhubi, indlela yakhe yokuqhuba, hayi oomatshini. Ukuba ipolisi bakhuliswe abantu 5, xa kuthe izinga ingozi yehle mntu unetyala kuphela, hayi bonke abaqhubi.

Ukuba ngaphambili umntu wesithathu iye ingene isivumelwano i-inshorensi elithile, aze emva koko umqhubi wagqiba ukukhupha MTPL kunye nenani elikhulu kwabaqhubi, ukuze kulondolozwe izaphulelo kule nkqubo kufuneka ukhankanye omnye umntu (abahlobo, izalamane, okanye abahlobo), ukwenzela ukuba kuphulukana izinga efunyenweyo.

Njengoko isicelo MSC inshorensi limited?

Kulo mzekelo, iindleko nkqubo iye ibalwe ngemali udidi ubuncinane abantu wangena kule nkqubo, kwaye imbali igcinwe ukuba umqhubi ngamnye. Umzekelo: i MSC yokuqala ebonisa 0.6 Umqhubi, owesibini - 0.9. Ekubaleni CTP iya imiselwe ku-0.9.

iimpazamo

Maxa wambi umqhubi amava elungileyo inkathazo-free, kodwa nkcukacha iyavezwa iklasi ephantsi "ibhonasi-malus". Yintoni na? izizathu ababini ba khona:

• umqhubi hayi inshorensi kunyaka wekhalenda ophelileyo, yaye wayengekho kwenye nkqubo nje umntu ogunyaziswe ulawulo TC;
• inkampani yeinshorensi nje kuye bazisa inkcazelo kwi-SAR base data.

Ingxaki yesibini ixhaphakileyo. Yaye ayikho yokungakhathali kwabasebenzi, nokuba ulwazi wangena database ngesandla. Ngenxa yokuba iimpazamo engaba zikhona okanye ukulibala. Iindaba ezimbi zezokuba ukubuyisela "bezavariyku" ngeke ezinkundleni. Okokuqala kufuneka ukungqina ukuba ibhonasi reset. Ungakwenza oku ngokuqhagamshelana i-inshorensi okanye ngokuzimeleyo ukuqinisekisa iinkcukacha kwisiza. Okulandelayo kufuneka ufake isicelo ngqo PCA, ezicacisayo iinkqubo MTPL lo ongaphambili kunye nenombolo ukwenzela ukuba abasebenzi bakwazi beyiseke ukuba iingozi kwakho. Oku kulandelwa isikhalazo kwi-inshorensi i-Central Bank of Russia. Ukuba la manyathelo ongenelelo ntoni ukunceda, kufuneka uye enkundleni.

izithintelo

CTP isivumelwano okuyingxenye iinyanga ngaphantsi kwe-12. Umqhubi isaphulelo ngenxa for "nenzuzo" - iklasi ka "bhonasi-malus". Ndazi njani imali eyongiweyo? Akukho nto. Ngokomthetho, i-MSC iya kusebenza kuphela-nkqubo, eliya kusebenza unyaka-1.

isiphelo

Iinkampani ze-inshorensi banomdla ngendlela umqhubi onamava, ngubani ixesha elide, kakuhle elawulwa isithuthi. Nge MSC into yenzelwe ukukhuthaza abantu abanjalo. Unoxanduva ngokukhutshwa abaqhubi 'inzuzo "kunye ohlwaye abo ngokufuthi ufumana ingozi yemoto. Indlela yokubala iklasi ka "bhonasi-malus '? Ngonyaka ngamnye ukukhwela ecocekileyo umqhubi ziya kufumana isaphulelo se-5%. Kwimeko enomlinganiselo inshorensi imali kwandisa, kwaye umxhasi kufuneka ahlawule imali eyongezelelweyo lo mgaqo-nkqubo.