Imali, I-inshorensi
Esekelwe MSC-Indlela ukukhangela umqhubi X-ray: indlela phambili
Amaxesha amaninzi xa usenza OSAGO ipolisi ibenakho weva into enje njenge "ibhonasi-malus ingumlingani." Yintoni ngumongo le nkcazelo? njani yena abe? Nokuba kunokwenzeka ukuba ukwazi wena? Indlela ukukhangela umqhubi MSC-based X-ray? Fumana iimpendulo zale mibuzo kuya kukunceda kweli nqaku.
KBM: umongo ingqikelelo
Le nto iphuma kutshanje - 3 years ago. Ngoko urhulumente angathanda ukunciphisa iindleko wabaqhubi - oko kukuthi, ukunciphisa iindleko inshorensi MTPL abaqhubi ekuthiwa ingozi-free. Ngamanye amazwi, ukuba umnini imoto ingabi ingozi ngumtyholwa yendlela ngexesha inshorensi, yena uyakwazi ukubala kwi isixa esithile semali isaphulelo. Umthamo izibonelelo umqhubi kwaye imisela MSC efanayo.
imihlobo MSC
MSC uyakwazi ukuthatha kukuxabiseka okwahlukileyo. Kuxhomekeke ubungakanani ngqo lengozi-free amava lokuqhuba. Iminyaka engaphezu umnini imoto abazange bayifumane kwingozi yemoto, ngcono kuya kuba ukuthenga nkqubo MTPL. Ukunceda ukuqinisekisa abaqhubi yakhe MSC, uya kumela ngokuchanekileyo le theyibhile ilandelayo:
| class MSC | Le ukungavumelani kwe bonus-malus |
| 13 | 0.5 |
| 12 | 0,55 |
| 11 | 0.6 |
| 10 | 0.65 |
| 9 | 0.7 |
| 8 | 0.75 |
| 7 | 0.8 |
| 6 | 0.85 |
| 5 | 0.9 |
| 4 | 0.95 |
| 3 | 1 |
| 2 | 1.4 |
| 1 | 1,55 |
| 0 | 2.3 |
| M | 2,45 |
Ekuqaleni amava idriving unikwa 3 udidi MSC, njengaye nawuphi na umqhubi isaphulelo ayikwazi ukubala. Kunyaka olandelayo, ngokuxhomekeke yokuqhuba ingozi-free, uba umnini leeklasi-4, oko kukuthi, bangafaneleka ukuba bafumane 5% isaphulelo, njalo-njalo. Ngamanye amazwi, unyaka kude yonke isaphulelo elungileyo kakhulu kuthengwa nkqubo MTPL linyuke nge-5%. Xa inzuzo enkulu ka-50% isaphulelo ezizokubalwa kuphela xa umqhubi abazange bayifumane kwingozi ukuba elishumi okanye ngaphezulu.
Kodwa ke, ngelishwa, lo isaphulelo ukuze ukwandisa nje kuphela kodwa nciphisa: amabango ngakumbi inshorensi, kokukhona kuya kuba iindleko CTP. Ngoko, ingakumbi abanini imoto "Lilishwa" kusenokufuneka ahlawule amaxesha 2.5 ngaphezu iindleko ezingundoqo inshorensi auto.
Apha ngezantsi itheyibhile ebonisa indlela iklasi MSC kuxhomekeka kwinani kukuvela iziganeko-inshorensi.
| Class ekuqaleni kwethuba inshorensi | Class ekupheleni kwexesha inshorensi ngokusekelwe kwinani Iintlawulo ze-inshorensi | ||||
| iimeko-4 okanye ngaphezulu | iimeko ezi-3 | iimeko ezi-2 | 1 icala | 0 amacala | |
| M | M | M | M | M | 0 |
| 0 | M | M | M | M | 1 |
| 1 | M | M | M | M | 2 |
| 2 | M | M | M | 1 | 3 |
| 3 | M | M | M | 1 | 4 |
| 4 | M | M | 1 | 2 | 5 |
| 5 | M | M | 1 | 3 | 6 |
| 6 | M | M | 2 | 4 | 7 |
| 7 | M | M | 2 | 4 | 8 |
| 8 | M | M | 2 | 5 | 9 |
| 9 | M | 1 | 2 | 5 | 10 |
| 10 | M | 1 | 3 | 6 | 11 |
| 11 | M | 1 | 3 | 6 | 12 |
| 12 | M | 1 | 3 | 6 | 13 |
| 13 | M | 1 | 3 | 7 | 13 |
Indlela ukukhangela umqhubi SAR MSC-based kunyaka ngamnye
Ngelishwa, indawo esemthethweni Motor nabaKhuseli (rami) akukho inkonzo ekhethekileyo ekuvumela ukuba ukubala isaphulelo ukuthenga nkqubo MTPL. Inye kuphela kukho ukukwenza - itheyibhile vyshepredstavlennaya. Nangona kunjalo, kukho ezinye websites ezininzi ukuba unako ukwenza oko. Umzekelo, ngokunqakraza kwi ikhonkco http://librax.ru/proverka-kbm.html, unako lula yaye ngokukhawuleza khangela MSC ngokusekelwe X-ray diffraction kunyaka ngamnye.
Ukuze wenze oku, kufuneka ugcwalise ezi zinto zilandelayo:
- inani abaqhubi abaya kuvunyelwa ukuba aqhube i into inshorensi;
- umhla xa kulindeleke ukuba akhuphe inshorensi entsha MTPL;
- abaqhubi Igama elipheleleyo;
- usuku lokuzalwa;
- amanani-mvume lokuqhuba.
Osalayo ukuba nqakraza kwi "khangela" iqhosha, emva koko ulwazi iza kubonisa iminqweno lomsebenzisi.
Indlela ukukhangela umqhubi MSC-based X-ray ukuba kukho impazamo
Akusoloko ukuba abaqhubi okokuqala ukufumana iinkcukacha ezifunekayo. Izizathu oku kungaba 2:
- Umsebenzisi wenza impazamo ekuyiweni data. Isisombululo: khangela onke amasimi ngenxa yeempazamo.
- Umqhubi watshintsha mvume lakhe lokuqhuba ukususela ukuthenga umgaqo yokugqibela MTPL. Kulo mzekelo, ukukhangela le MSC ngokusekelwe X-ray aluphumelelanga, i data ezindala kufuneka kuqaliswa "amalungelo."
UMZEKELO yokubala ezimele
Fumanisa iindleko ze-inshorensi yomgaqo-CTP kunyaka ozayo uya kunceda umzekelo ngezantsi yokubala elula. Ngoko ke, makhe umhla lokuthenga le-inshorensi Novemba 11, 2015. Eli xesha kuye kwachazwa ixabiso yeklasi inomlingani bonus-malus. Umzekelo, ukuba bathathe izikhombisi ezinjalo: Class 6, lo MSC - 0.85. Ukuze ufumanise ukuba ziya kuba yintoni umlinganiselo kwixesha elilandelayo-inshorensi, kufuneka wenze oku kulandelayo (kule yetafula, nto leyo esele ezicatshulwe ngasentla):
- Jonga umtya apho eklasini 6, kwaye CBM - 0.85. Emva koko, kuxhomekeka kwinani lwentlawulo inshorensi kwixesha inshorensi, uyakwazi ukuchaza iklasi yakho ukuba kunyaka ozayo. Oko kukuthi, ukuba siqwalasela amaxabiso umzekelo, xa engekho eklasini isiganeko benefits ilingana ukuya ku-7 (MSC - 0.8), iklasi ilingana-4, kunye ababini imeko enye inshorensi kwenzeka - 2, xa ezintathu okanye ngaphezulu - M.
- Xa iklasi ka-MSC zibe lula ibalwe, kunye isaphulelo kwi-nkqubo omtsha we-inshorensi motor enyanzelekileyo. Oku kuya kunceda itafile lokuqala kweli nqaku.
Ukwenza ezi zazo ezilula, unako ukufumana ixabiso elisondeleyo inshorensi imoto kunyaka olandelayo. Ukuba ubalo na ubunzima, indlela engcono kulo Icala mazitshekishwe kwakhona ligosa PCA MSC-based ngeenkonzo ezizodwa. Bayakwazi ukunceda ngokukhawuleza nangokulula ukusombulula le ngxaki.
Ngoku siyazi ukuba batshekishe indlela umqhubi MSC esekelwe PCA. Ngoko ke ihlala kuphela ukuba unqwenela abaqhubi Godspeed.
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