I-Bonus-Malus ratio (KBM). Iiklasi ze-MSC ngenqwelo-mali ye-TPL yomshuwalense: itafile. MSC 1 iklasi 3 - ukuthini oku kuthetha ntoni?

Akukho mqhubi owaziyo iiklasi zeKKM. Ngelo xesha, akusebenzi nje kuphela kodwa kunenzuzo yokujongana nemiba enjalo. Siza kuhlalutya umbuzo ukususela ekuqaleni, oko kukuthi, ukuba umnini-mali onjalo ongazi nokuba i-MBM icutshulwe njani, kwaye ujonge ezinye zobuncwane bezicelo zayo.

Inyanzelo yomshuwalense

Wonke umnikazi wemoto, kunye namanye amaxwebhu, kufuneka abe ne-OSAGO. Oku kuyimfuneko yomshuwalense wemfanelo yecandelo lesithathu. Ngombulelo kwimigaqo-nkqubo, bonke abaqhubi bayakhuselwa. Ukuba kwenzeka ingozi, icala le-insured yengozi lihlawulwa kwiqela elimele ukubuyisela isithuthi. Kwaye ukuba kunokubangelwa yingozi kwimpilo, ke ukubuyiswa.

Kulo hlobo lomshuwalense, kukho inkqubo eyenzelwe ukukhuthaza abaqhubi ukuba bahambe ngaphandle kweengozi. Yaye imilinganiselo iyasebenza ngokubhekiselele kumenzi wabenzi bomngcipheko wendlela. Iphunyezwe ngeeklasi ze-MBM. Siza kufunda oko bathethayo nendlela abasebenza ngayo.

Iiklasi zeMMM

I-KBM imele ibhonasi-malus ratio. Ibhonasi ifunyenwe ngumqhubi ongeyena engozini, umgwebi ngokwakhe, kunye ne-malus, oko kukuthi, ukunciphisa umlingani, ngokulandelanayo, ufumana lowo oqalisa ingozi.

Ukuqhuba ukuhamba ngeengozi kunokuhlala iminyaka emininzi. Kodwa i-insurers, ngokwemvelo, ayinomdla kukuba ukuhla kweendleko zomgaqo-nkqubo kufinyelela kwi-zero. Ngoko ke, banikezela umyinge, emva koko iindleko ze-inshurensi ayisezantsi. I-50%.

Kukho abaqhubi abahamba ngayo yonke imithetho yeendlela iminyaka emininzi kwaye abawaphuli. Kuya kuba yinto engalunganga ukuba kufuneka bahlawule kangangoko abo bahamba ngemoto abaphantse bayayiqonda imithetho kwiendlela.

Ngoko, i-coefficient ephezulu i-0.50. Ukufezekisa le miphumo, akufanele uwele engozini iminyaka eyi-10.

Ukunciphisa iklasi okanye ukulahlekelwa izaphulelo

Nangona emva kokufumana isaphulelo esiphezulu, ungacingi ukuba unikwe ngonaphakade ngaphandle kweemeko. Ukuba umqhubi ufumana ingozi, kuba yinto ehlawulelayo, isaphulelo siyahla kwaye sifike kwelinye, emva koko kuya kufuneka sitshintshwe ixesha elide ukuya ku-50% elixabisekileyo. Kodwa ukuba umqhubi wangena emva kwevili ngokutsha kwaye isaphulelo sakhe sincinci, ngenxa yengozi, ayiyi kukhanselwa kuphela, kodwa iindleko ze-inshorensi ziya kwandisa.

Ukususela kwindawo yokujonga abaqhubi abanembeza, oku kungaphezulu kwesilinganiselo esifanelekileyo: ukuba uqhuba ngokuya kuba yingozi kwabanye, hlawulela umgaqo wakho ngakumbi!

Izingozi ezininzi zendlela zenzeke ngenxa yokungakwazi okanye ukungathobeli kwabaqhubi. Kuphela ukuhlawula abantu abanjalo baya kuba ngaphezulu kuphela kuloo matyala xa bewela iphoso labo engozini. Ngoko ke, ngeziganeko ezincinci, kubhetele kakhulu ukuba bavumelane neqela elimele kwaye ngaphandle kokubiza amagosa amapolisa ezithuthi ukuba alungise le nto. Ngoko ke abanye kuphela baya kuhlala benelisekile (njengoko akuyi kubakho ukuchitha ixesha kunye neentsholongwane ekusebenzisaneni nenkampani yomshuwalense), kunye nabanye (ekubeni isaphulelo kumgaqo-nkqubo njengokuba kunjalo, kuya kuhlala sifana).

Ngendlela, kufuneka ukwazi ukuba iiklasi ze-MSC ze-OSAGO azisebenzisi kubakhweli. Kwakhona, akusayi kuqwalaselwa ukuba umgaqo-nkqubo ukhutshelwe ummi welizwe langaphandle okanye isithuthi sokuhamba.

I-MBM ye-OSAGO: itafile

Ngoko, ngokusekelwe kwitheyibhile elingezantsi, unokubala i-MSC yakho. Umgca ogciniweyo ubonisa iklasi yomqhubi ekuqaleni kwexesha elifanelekileyo le-inshorensi. Ngokuxhomekeke ekuqhutyweni komnyaka (ukungena ngengozi okanye ngengozi, emva kwentlawulo yomshuwalense) kunyaka ozayo, enye okanye enye iklasi ye-MSC ye-OSAGO ibelwe. Itheyibhile inamacandelo alishumi elinesihlanu, apho "M", elithetha "ubuninzi", linikezelwa kwibhokisi yokuhlawulwa.

Yiyiphi iklasi umqhubi ukufumana okokuqala emva kwevili?

Kwiminyaka yokuqala yomshuwalense, umqhubi ubelwe iklasi yesithathu. Siza kufunda kulo mzekelo indlela yokuqonda iiklasi ze-MSC. Itafile, ukuba ukhangele umqolo wokuqala, uqulethe iklasi, kwaye ukuba ngowesibili - 1. Lo ngumbumbano wayo. Ngoko, i-KBM 1, iklasi 3. Kuthetha ukuthini oku?

Ukuba kulo nyaka wokuqhuba umqhubi akafumani kwiingozi zezithuthi (jonga ikota yesithathu), emva kwexesha le-inshorensi elandelayo uza kuba ne-KBM-0.95, iklasi-4, ngokulandelanayo. Emva koko isaphulelo siya kulingana namahlanu ekhulwini. Nangona kunjalo, ukuba kwenzeka ingozi ngeli xesha, liya kubelwa kwiklasi yesi-2, apho i-MBM i-1.4. Emva koko i-inshorensi iya kufuneka ihlawule ngaphezulu ngama-40%.

Abaqalayo kwivili kufuneka baqaphele kakhulu, kuba ngezingozi ezimbini okanye ngaphezulu, i-MSC iya kuba likhulu kwaye iya kuba lilingana no-2.45. Kodwa ngomnyaka ozayo wokuhamba ngaphandle kweengozi umqhubi weklasi yesithathu uya kubuya, kwaye akayi kuphinda ahlawulise umgaqo-nkqubo we-inshorensi.

I-KBM, elingana no-0.5, ithetha i-discount discount percent. Kodwa ukuba loo mqhubi ufumana ingozi, ke unikwe iklasi yesi-7, ehambelana nomlinganiselo we-0.8.

Abahamba ngeenqwelo zithuthi babhalise kwi-inshurensi ye-TPL yomshuwalense

Ukuba umgaqo-nkqubo we-inshurensi ukhishwa ngabaqhubi abambalwa, i-MSC ithathwa njengeyodwa. Isiseko sithathwa ngumlinganiselo omkhulu. Umzekelo, ukuba ngabaqhubi abane babhalise kwi-inshurensi, ezintathu zazo zilingana no-0.7 kwaye ziphantsi, kodwa enye enye ine-0.9, i-inshorensi iya kuqwalaselwa ngokusekelwe kwi-MBM yokugqibela, oko kukuthi, ingqalelo i-10% isaphulelo.

MBM nge-inshurensi elingenamkhawulo

Ukuba unenjongo yokuthenga umgaqo-nkqubo womshuwalense onyanzelekileyo ukuba inani labantu abangenamkhawulo lingasebenzisa, i-MSC iphathwa ngokuhlukileyo. Ngokusekelwe kwidatha yomnikazi wemoto.

Kubalulekile ukugcina engqondweni ukuba ukuba umgaqo-nkqubo wawuthengiwe ngaphambili kwinani elinqinci labantu, kwaye ke kwagqitywa isigqibo sokuyifumanisa ukuba ibe yimilimiselo, ngoko kufuneka ibhalwe kuyo ngokwahlukileyo abo bantu babandakanywe kumgaqo-nkqubo unabantu abancinci. Ngaphandle koko, iiklasi zeKKM zalahla ziya kulahleka.

Indlela yokujonga ubungakanani bhonasi-malus?

Nceda uqaphele ukuba i-MSC ayifakwe kwisiseko esisodwa se-Union Union yase-Russian ye-Auto Insurers. Kukho kuphela ulwazi malunga ne-inshurensi yemoto yangaphambili. Kodwa umlinganiselo ubalwa kwaye uqinisekiswe ngqo kwiinkampani zomshuwalense xa uthenga umqhubi womgaqo-nkqubo. I-ICs inyanzelekile ukuba isebenzise iiklasi ze-MSCI ze-OSAGO, kunye nokungenisa ulwazi malunga neengozi apho umqhubi wayithatha inxaxheba kwimoto yakhe.

Ngoko ke, kwiinkampani zomshuwalense ukuba unokujonga i-MSC kwaye unikezele ngolwazi olufanelekileyo.

Nangona kunjalo, kunokwenzeka ukufunda ngale ndlela ngezinye iindlela. Umzekelo, ngokuya kwisayithi ye-SAR kwaye uqhagamshelane ne-database ye-KMB apho. Ukwenza oku, uya kufuneka urekhode ikhowudi yakho ye-VIN okanye inombolo yomatshini wombuso kunye nedatha malunga nomnini.

Ngokuqhelekileyo (njengoko akunjalo uxanduva), iinkampani zomshuwalense zibonisa i-MBM kwinkqubo yomshuwalense. Ngako oko, ngamanye amaxesha kunelungelo lokufunda ngokucophelela lo mbhalo. Inombolo ingachazwa ngokuchasene negama lomqhubi ngamnye okanye kumanqaku akhethekileyo.

Kwiindawo ezininzi namhlanje zinokubala i-intanethi, apho ungakwazi ukubala ngokulula i-MBM yakho. Ngaloo ndlela, unokuzifunda wena.

Database KMB

Ngoko ke, idatha yokubala i-coefficient inkampani yomshuwalense ithatha kwi-database ye-Russian Union ye-Auto Insurers. Zihlawulwa ngokuthe ngqo kwiinkampani zomshuwalense, eziqinisekisa abaqhubi. Lo mbandela kufuneka ukhunjulwe ngokukodwa kwabo bathetha ukutshintsha i-SC yabo kwelinye. Kungcono ukuba bafumane isatifiketi evela kwinkampani yangaphambili yomshuwalense, apho i-MSC iya kuboniswa khona. Inyaniso kukuba abanye babo bangenza ulwazi olungalungile okanye bayalibale ngalo, kunokukho iingxaki malunga nokulayisha inkqubo kunye njalo njalo. Ngako oko, kungcono ukukhuseleka kwaye uze uvelise uxwebhu olubonisa ukuba unomlingani othile, ukuze "ngengozi" awunayo.

Iziphumo zengaphulelo

Kule nkalo, ulwazi olulandelayo lufanele luqwalaselwe.

Kusandul 'isaphulelo sokushayela ngaphandle kweengozi kubhalisiwe kwimoto ethile. Xa uthengisa waza wathenga umqhubi omtsha, kwafuneka aphinde angene kwincwadi yakhe yomshuwalense. Ekuqaliseni iimpembelelo zalo mgaqo, kwagqitywa ekubeni yishiye. Ngoku ke yonke loo manani, zingaphi iikhosi ze-MBM zikhona, zibhekiselele ngqo kumqhubi. Ngako oko, akunandaba nokuba yintoni imoto aqhuba ngayo kunye nenkampani yomshuwalense ayifumene nomgaqo-nkqubo we-OSAGO. Into ephambili kukuba uhambo olungenazinkathazo.

Imibuzo ngabanye abaqhubi bavame ukuyibuza

Makhe sicinge ngeemeko ezahlukeneyo.

Yintoni ongayenza, umzekelo, omnye wabaqhubi abhaliweyo kwi-OSAGO kwaye watshintsha ilayisenisi yakhe yokuqhuba. Kwimeko yesivumelwano esivumelekileyo, kufuneka uqhagamshelane ne-UK msinya. Umnini-nkqubo ngokubhaliweyo uyazisa i-inshurensi malunga naso ukuze okwenza oku kutshintshelweyo kwisiseko solwazi se-Russian Syndicate of Insurers.

Enye into ebangela umdla kwabaqhubi kukuba i-MSC ichongiwe ukuba isivumelwano se-inshurensi singagqithwanga inani labaqhubi, ukwenzela ukuba kwixesha elidlulileyo isivumelwano sibonelelwe ukukhawulelwa kwenani labo. Kule meko, i-SC inika iklasi echazwe kwisivumelwano se-inshurensi. I-UK isebenza njani ukuba imeko iquletheke, okokuqala, isivumelwano se-inshorensi yangaphambili asikho mingcipheko kwinani labantu, kwaye intsha iya kugqitywa kwiimeko kunye nemingcele? Kule meko, inkampani yomshuwalense inyanzelekile ukunciphisa iMSC.

Iklasi yesi-3 - ukuthini oku kuthetha umqhubi? Ukongeza, ukuba le klasini ibelwe umntu oqala emva kwevili, ukuba umqhubi akakubhalisanga isivumelwano se-OSAGO esingaphezu konyaka, nokuba yintoni isaphulelo esasinezo ngaphambili, uyatshisa aze abuyele eklasini, njengoko ehleli emva kwesondo okokuqala. Yiyo iMSC 1, iklasi yesi-3.

Kuthetha ukuthini oku kumqhubi, ukuba akanikezeli ulwazi olupheleleyo malunga neengozi ekupheleni kwesivumelwano? Ukubala okungalungile kuya kufunyanwa yinkqubo ngokukhawuleza. Ngoko ke, inkampani yomshuwalense kule nkcazo ibeka izigwebo zesohlwayo kumqhubi. Ziyaboniswa kwi-1.5 KBM. Oko kukuthi, kunyaka ozayo intlawulo iya kwanda nge-1.5 coefficient.

Isiphelo

Sihlolisise ukuba iikhosi ze-MSC zithetha ntoni, ukuba zibalwe njani, zisetyenziswe kwaye ziqinisekiswe. Abaqhubi kufuneka bakhumbule ukuba kubalulekile ukuba bangakwazi ukuqhuba imoto kwaye bahambisane nayo yonke imithetho ekhoyo. Kuya kuba luncedo ukuqonda imiba ethile enxulumene nayo, njengomzekelo, i-inshurensi kunye nobuqili bayo, oko kukuthi, esi sihloko sethu samanje. Emva koko uya kuziva ngevili ngokuzithemba, ngexesha elifanayo ukugcina imali yakhe.