Iiklasi CTP and definition yazo

nkqubo MTPL zibiza nangona lilawulwa yi-Central Bank, kodwa akufani bonke abaqhubi. Kukho ekuthiwa iiklasi CTP ezabiwe kubanini isithuthi ezisekelwe kwizinto ezithile. Eli nqaku lichaza ngokubanzi malunga noko MTPL inshorensi iklasi: ukuba bahlole eli nani nento kuchaphazela.

isaphulelo Accident-free

Xa ukwandisa-nkqubo kwi-iitsheki inshorensi ukuba kwesithuba sokungenelela yale ngozi. Oku kwenziwa ngaphandle umdla bengasebenzi. Ukuba umntu uqhuba imoto inxaxheba ngononophelo kwaye hayi kwiingozi zendlela zendlela, izakuthatwa isaphulelo kwiinkonzo inshorensi imoto kwi-mali ukuya kutsho kuma-50%. Elo lixabiso nkqubo hlengiswe yi into ekuthiwa ibhonasi-malus (MSC).

Kutheni inkampani yeinshorensi ukulungele ukuhlawula eyongezelelweyo lokuqhuba oluchanileyo? Yena inzuzo. Makube ithe ingxenye yenzuzo, ukwenza isaphulelo, ezi ndleko ingaphantsi ukuba kwafuneka ukuba ahlawule imbuyekezo yengozi. Ngoko ke, abanini imoto lunokuvuselelwa ukuphucula izakhono zokuqhuba, ngokubonelela isaphulelo se-5% ngonyaka ngamnye lokuqhuba "ngaphandle kwesiganeko." Le bonus. Kodwa lokuqhuba bonwabile, nto leyo ekhokelela iingxaki endleleni, kunye neendleko yembuyekezo inshorensi, bazenzela imali-malus.

Ekuqaleni le ratio magic iye ebotshelelwe imoto ethile, oko kabuhlungu kakhulu. Ngapha koko, umnini emotweni xa athengisa imoto ezilahlekileyo zonke iibhonasi. Ngoko ke, ukusukela ngo-2008, imbali inshorensi edibene nomntu, hayi isithuthi.

Not ikhubazekile, kodwa bengabonakali ncam

CTP angenela inshorensi ubutyala, kunokuba impahla. Ngamafutshane, ezo meko apho zeinshorensi obangela ukuba kwenzeke ntoni, musa kuchaphazela iindleko-nkqubo. Ngaba kuthathelwa ingqalelo kuphela ezo iingozi apho lwenzeka intlawulo-inshorensi (ukuba polisi elalijongene ngenxa yengozi). Inxalenye yale ngozi leyo, umzekelo, lutsala evroprotokol nokuba ezingabhaliweyo amapolisa ezendlela, musa ibalulekile.

Ukuba umnini imoto kungekho tyala ingozi, oko izaphulelo ukuba akuyi ndawo. Njengoko ngokunjalo xa kunokwenzeka oko kukuthi ityala, kodwa "Akukho namnye owakha wambona", kunye nxaxheba wavuma, ngaphandle kwesaziso emapoliseni endlela.

iklasi MTPL

Ekugqibeleni sifika ingcamango "iiklasi CTP." Eli binzana ngokusondeleyo ukuya bonus-malus lomlingani, leyo eziphononongwe ngasentla.

A ezizodwa ileyibhile, qondisa, lomlingani apho ixabiso unikezelwa phantsi kweemeko ezahlukeneyo. Njengoko kubonakala kwezo ntsika zimbini zokuqala, iklasi ethile elivumelana MSC.

Le isaphulelo ibalwa ngokuthabatha 'ngumlingani ka umanyano phinda isiphumo 100%. Umzekelo, ukuba MSC yi-0.85, lo isaphulelo iya kuba:

(1 - 0.85) x 100% = -15%.

MTPL udidi inshorensi ayithethi nje ixhomekeke kumnini imoto ufumana kangaphi ingozi yemoto, kodwa siqwalasela kumava uqhuba.

Yintoni egqibayo iklasi MTPL

Umxhamli, ngubani kuqala wacela ukuba umgaqo-nkqubo, ufumana udidi eqhelekileyo 3 ezixabisa 1. Emva koko ukupela imbali yakhe inshorensi.

ngonyaka ngamnye ukususela ngaphandle yemoto, kuya kunciphisa izinga. Oko kukuthi, xa ukwandiswa-nkqubo 3 utshintsho yeklasi-4 kunye ibhonasi-malus 0.95 kunye ne-5% isaphulelo. Ukuba ngozi, iklasi, phezu koko, wehlise, kwaye ixabiso ukunyuka nkqubo.

Ndazi njani CTP lwam eklasini

Ke kaloku, ukuba sele eqonda imigomo, lixesha ukufumana phandle yokufumana indlela umqhubi yeklasi CTP. Enyanisweni, ukubala isaphulelo kunikezelo mgaqo-nkqubo ufuna imbali inshorensi yomnini imoto. na igcinwe phi?

Ukuba umnini imoto basebenzisa iinkonzo ze-inshorensi efanayo, ngokwaneleyo ukuba isicelo inkampani yakho. Umsebenzi kufuneka kwimizuzwana nje embalwa ukukhangela iklasi MTPL ledatha lwangaphakathi aqingqa iindleko ukwandiswa komgaqo-nkqubo.

Ukuba umqhubi wagqiba ukutshintsha yeinshorensi, kuza kufuneka ukuba abuze yangaphambili "umgcini" ifomu isiqinisekiso inani 4, equlethe ulwazi malunga kwimbali alarm. Xwebhu inikwa kwisithuba seentsuku ezintlanu.

Nangona kunjalo, oku akusoloko udinga uncedo. iinkampani ezininzi inshorensi sebenzisa isiseko SAR kwaye banike kwiiwebhusayithi zabo abathengi zabo ithuba ukubala iindleko-nkqubo ngokusekelwe kula data. Ayifane yenzeke, kodwa kuyenzeka ukuba iklasi ezicaciswe kule nkqubo.

Ngamanye amaxesha inkampani omtsha wabeka omnye abo basandula kuqalisa. Kufuneka kube phantsi phezu iziqhoboshi, ngenxa yokuba kule meko kwimbali inshorensi iya kulahleka.

Yazi iklasi yakho

Fumana udidi MTPL ngabanini, ngaphandle abanaluncedo kwi insurer. Akwanelanga ukuba basebenzise lophawu ngasentla.

Ngenxa ntsika zimbini zokuqala, sele kwakungomnye out: iiklasi kunye MSC. Eziseleyo columns ezintlanu zimele inani lamatyala inshorensi kunyaka odlulileyo. 0 - oku kungekho ngozi. Ngako oko, 4+ ibonisa ubukho kwiingozi abane okanye ngaphezulu.

Iinqobo kwiikholam - naye iiklasi. Ngokomzekelo, omnye umqhubi abo basandula kuqalisa ngubani ogqiba i-nkqubo yokubhalisa yeklasi yokuqala yesithathu KMB 1, ahambe Unyaka ngaphandle iingozi. Ngokuhambelana kunye neklasi 3 rd, siyabona ukuba zero inani iingozi elabelwe kwibakala 4. Xa kukho ingozi omnye, lo 1. Class 1 elivumelana ingumlingani 1,55. We ingqalelo:

(1.55 - 1) x 100% = 55%.

Ngenxa yoko, umqhubi uya kuhlawula xa nangokuhlaziya-nkqubo ka-55% nangaphezulu. Kodwa asiyiyo loo ulungelelwaniso embi. Ke ukuba kuya kubakho iingozi ezimbini ngaphezulu, uya iklasi M eyabelwe, yaye ukuze uphume kuyo baze babuyele iyunithi, kuya kuthatha iminyaka emihlanu.

Lonke ixesha xa amaxabiso arhente inshorensi ukhokelwa omnye umgca etafileni, okuhambelana umqhubi yeklasi yangoku.

Kodwa ungenza ngaphandle kwentlawulo ngokundwendwela i PCA wazi nangoko MSC yakho Sangena uhlobo ekhethekileyo igama kunye nenombolo mvume lokuqhuba yi.

Ukuba abaqhubi multiple

Kuthekani ukuba le nkqubo sibhalwe Abanini imoto eziliqela ukuba iklasi MTPL inshorensi ezahlukeneyo? Indlela ukufumanisa ixabiso le nkqubo kule meko?

Kulo meko, iindleko ibalwa ngokwezinga eliphezulu. Umzekelo, umqhubi ezintathu CTP: kwi-MSC lokuqala 0.6, le yesibini - 0.7, kwaye eyesithathu - 0.9. Kuthetha ukuba umgaqo ngumba ka-0.9 ziya kuthatyathwa, kwaye isaphulelo iya kuba-10%.

Ukuba inani abaqhubi lingakulungele iintsilelo, ibhonasi-malus kuxhomekeke ekubeni intlawulo-inshorensi yenziwa kwithuba lokugqibela kwekhontrakthi.

Malunga ne-inshorensi ezingenalusini iimpazamo zobugcisa

Umbuzo elifanelekileyo kuvela: kutheni umnini imoto kufuneka ulwazi ngendlela yokufumana indlela umqhubi MTPL iklasi, ukuba zonke iinkcukacha ixesha elide zifakiwe kwi-sikhokelo ngokubanzi, kunye neenkampani ze-inshorensi bahlale abantu abaqeqeshwe ngokukodwa abo akwazi ukubala njani ixabiso le nkqubo?

Ingxaki kukuba akusoloko ezi abasebenzi nesazela ecacileyo. Kwaye zilisebenzise ngokungazi umxumi lokumnika uluhlu lwamaxabiso eqhelekileyo, okwenza iintlawulo ezigqithisileyo.

Nokuba-inshorensi ngabom kuyayitshintsha umthengi iklasi, ezinokuthi zenzeke ngenxa yokusilela yobugcisa okanye ungeniso data ngempazamo.

Ukuba iklasi CTP kule nkqubo ngenxa yaso nasiphi na isizathu sokutshintsha, imbali ye-inshorensi entsha iqala - kunye kwiklasi yokuqala. Kwaye igama yokuqhuba iya abunjwe ngokutsha.

Ngoko ke ngoko kucetyiswa ukuba bathenge imigaqo-inshorensi fake ukulondoloza imali. Ngapha koko, xa umnini imoto CTP akunika iklasi lomqhubi uzimisele kuxhomekeka kwimbali lokuqhuba yakhe, ngokusekelwe kwezi data, zibale ixabiso. Ukuba imbali ezinjalo, zonke izaphulelo ziya kutshiswa.

Indlela songe MTPL

Ixabiso le nkqubo kuchaphazela iiklasi CTP nje kuphela, kodwa ezinye izinto. Umzekelo, amazinga zendawo iyohluka, kuxhomekeka kwindawo. Abanye abaqhubi clever bahombise iimoto zabo phezu Isihlobo kuloo ndawo apho umlinganiselo indawo lisezantsi, ngoxa bona ngokwabo ukuya kumandla jikelele ligqwetha.

Kwakhona kubalulekile, ngubani na omnye wangena ukongeza-nkqubo umnini emotweni. Insurance ayiphelelanga ukuya kwezo uyakwazi ukulawula izithuthi ibiza kakhulu ngakumbi. Kwaye wangena nkqubo abantu musa ukuya kakuhle kakhulu okanye nje ade amava lokuqhuba encinane, izaliswe iindleko ezingeyomfuneko.

Okokugqibela, ukuba umnini imoto uqhuba imoto akwenzeki njalo, kodwa, umzekelo, kuphela ngexesha efudumeleyo lonyaka, ngoko oko kwenza akukho ingqiqo ukuze overpay ukuba unyaka wonke. Yanele ukuba uthenge inshorensi iinyanga ezimbalwa.

Ngoku siyazi ukuba iiklasi CTP, benza ntoni, yaye indlela yokubona kubo.