MTPL inshorensi e: apho kwaye isebenza njani?

Ukususela kowe-2015, e-CTP wabonakala eRashiya. nkqubo Iziqulatho inshorensi ukuze unako, ngaphandle ukuza kwi-ofisi kwinkampani ye-inshorensi, kunye nelungelo ekhaya, ukubonelela idatha kwi-Internet. Siza kufunda iinkcukacha nalo mba kweli nqaku.

ulwazi jikelele

Mhlawumbi, bonke abaqhubi ezenziwe CTP, sijamelene neemeko apho e-UK bazama ukunyanzelisa ngeenkonzo ezongezelelweyo xa uthenga le nkqubo. Ngokufuthi, engenanjongo ukuba enze njalo, kodwa inshorensi ekuvunyelwene ngayo iingxoxo ze-arhente baza bathenga izinto kokuba zinikwe. Kodwa ke akukho mfuneko ukwaba ixesha elikhethekileyo ukuya kwi-ofisi ye quote inshorensi okanye ukwenza isigqibo yokuthenga, elo kuhlelwe. Yiya online nangaliphi na ixesha kwaye ikhuphe CTP inkampani yeinshorensi online electronic.

Zonke iinkcukacha idlule ledatha nokuhambisa, ngoko zonke iintlobo iimpazamo basuswe.

Yintoni na ipolisi ye-inshorensi elektroniki?

Intlawulo nge Internet ayikho yindlela entsha ngokupheleleyo abaqhubi beemoto Russian. Kwaye phambi kokuba befumene ithuba lokuba ashiye isicelo online, ngoko ke iposi ileta evela nepolisi ye-inshorensi. Ngoku, ke, kule nkqubo ilula kakhulu. Le nkqubo yokusetyenziswa kwekhompyutha ngokupheleleyo, yaye yokujonga data lwenziwa yi database elinye.

Ukufikelela kulo:

• SC;
• Amasebe ngamapolisa;
• izithuthi;
• abasemagunyeni irhafu;
• SRT.

Thenga CTP ngekhompyutha namhlanje kulula nelula. Noko ke, ukusebenzisa inkonzo okanye hayi, ukuba bazikhethele abaqhubi. Ukuba oyifunayo, ukuba beze kwi-ofisi endala kwi UK bazithengele inshorensi apho.

Ukwenza nge Internet

Emva kokuba bangene amandla kaRhulumente Ndiwise ipolisi ye-inshorensi electronic unako ukuthenga, kodwa kuphela kwabo baye wakha athengiweyo ngendlela eqhelekileyo. Emva koko, ulwazi malunga nale nyaniso iqulethwe esisekweni PCA, kwaye uyintoni na unako ukuthenga inshorensi kwi Internet.

Ngenxa yoko, abo baye nje bafumana ilayisenisi okanye uthenge imoto, inshorensi MTPL e ekhoyo. Abaqhubi kuya kufuneka uye kwi-ofisi ukukhupha uxwebhu apho. Xa uthenga i-nkqubo kufuneka sinikele ingqalelo ukuba ingaba i-UK iyinxenye Russian Union of nabaKhuseli. Ukuba akunjalo, ngoko kuthenga kunyaka olandelayo-nkqubo nge-Internet, kakhulu, akusayi kusebenza. ukuthenga Online enokwenziwa kwiinkampani ezinkulu ezifana "Alfa Insurance", "Uralsib", "Renaissance", "Rosgosstrakh". Electronic CTP kunjalo zifumaneke elandayo inani UK.

Ukuba endleleni inqande umhloli traffic

Ukuba amapolisa ezendlela bayeke endleleni, ukongeza kula maxwebhu umgangatho, umqhubi umele asondeze umgaqo MTPL. Ngaphambili, uxwebhu yokuqala kuboniswa, kwaye umhloli iqinisekisa iinkcukacha ze-inshorensi ne-mvume lokuqhuba.

Xa uthenga umqhubi intanethi iye phezu kwezandla zakhe ikopi yomgaqo-nkqubo, kunye original yayo igcinwe yokugcina ka-SAR.

Khangela ukuba kunokwenzeka ngokusebenzisa IMTS resource okhethekileyo. Ulwazi olufanayo, umgaqo, website esemthethweni swi i-SAR. Ukuba kuvela ukuba ezandleni uxwebhu ayenzelwanga kakuhle, umqhubi uya lohlwaywe mali ka-800 engange.

Inkqubo zokufumana ezinye iimpawu

inshorensi MTPL ekhutshwe electronic nje. Ekuqaleni, yiya kwisiza UK (leyo, njengokuba kuphawuliwe, yinxalenye RSA). Emva koko uye nkqubo candelo, apho kuyimfuneko Kwathi inkqubo yogunyaziso. Ngelo xesha kwi ifowuni iya kufumana umyalezo kunye yokuqinisekisa ikhowudi, nto leyo yaziswa endle efanelekileyo. Umphumo iya kuba uluhlu insurances esele ezithengwe ngaphambili.

Kubo Ukhethe isivumelwano, nto leyo imiselwe ukuvuselela. Ngoko kufuneka uphendule uthotho lwemibuzo, uhlawule-invoyisi. Intlawulo zingenziwa nge-Internet nawuphi na indlela njengesiqhelo. Emva kokuba kuqinisekisiwe, i-imeyile ziya kuthi ngoko nangoko wathumela umyalezo, lo ungasinika apho iqulethe lo mgaqo-nkqubo. Kuhleli kuphela uprinte nihle nabo kunye namanye amaxwebhu emotweni.

Ngoko ke, thatha i-inshorensi phezu Internet ilula kakhulu. Ngapha koko, le inshorensi akuyi kufuneka ukuba bangenise amaxwebhu afana:

• ipaspoti;
• isatifiketi sobhaliso (ukuba isithuthi ezihonjiswe kumbutho osemthethweni);
• isatifiketi sobhaliso lwesithuthi;
• iphepha-mvume lokuqhuba;
• itshati diagnostic ezidlulayo nguMot.

Yonke le ngcaciso sele eziqulathwe kuvimba emva kokuba kuthengwe-nkqubo wangaphambili.

Ubuhle nobubi

Isibakala sokuba inshorensi MTPL e bunokufunyanwa ngokukhawuleza kwaye nangaliphi na ixesha, Kakade ke, kukho inzuzo enkulu xa ukhetha indlela lokuthenga. Zazise ixesha kunye luvo, ngokuqhelekileyo eshiya kule nkqubo. Ukongeza koku, ungenza ngokulula ukwenza ukuthenga, nokuba umqhubi kummandla ezahlukeneyo zelizwe okanye amazwe. Kuyimfuneko kuphela ukuba abele imizuzu elishumi, kwaye omtsha inshorensi MTPL e sele epokothweni yakho.

Nangona kunjalo, le ndlela iye kuneengxaki zako. Ekubeni le nkqubo wokukhutshwa ezintsha, oko kufuna uphuculo ezininzi zobugcisa. Maxa wambi, ngenxa isixa esikhulu kwenkqubo efunekayo igcwele kakhulu, ekubalaseliswe ukusilela okanye impazamo.

Kwelinye icala, kufuneka kuqatshelwe ukuba nethemba ezintsha. Ukongeza lula abaqhubi, inkqubo kakhulu bazuze UK. Inkampani "Rosgosstrakh" e-CTP iye isetyenziswe ngokubanzi. Faka ngayo kunye nezinye iinkampani. Unakho ukuthenga umgaqo e-MTPL "FAC", "RESO-Garantia". Ezo iinkampani, leyo usekela becala umsebenzi wayo arhente inshorensi, hlalani kweli ebomvu. Ngoko ke, mhlawumbi, uludwe UK, amalungu PCA, aya kunyuka, ukuze bakwazi ukwenza iinkqubo yorhwebo nge-intanethi.

Nakuba kunjalo, ukongeza lula yentengo le-inshorensi, abaqhubi kufuneka sinikele ingqalelo kwezinye iindlela. Umongo-inshorensi ukukwazi ukufumana intlawulo-inshorensi, ukuba kukho imfuneko enjalo kuphakama. Kunye neenkampani ngamnye, ncomo zabamnini imoto, kukho iingxaki nalo. Zonke IC banomdla ekuhlawuleni ngaphantsi. Kodwa abanye kubo rhoqo kakhulu phantsi imbuyekezo ngemali.