Ngaba ndidinga i-inshorensi ukuba isithuthuthu

Kwiminyaka yakutshanje kuye kwakho imfuneko enkulu kule hlobo izithuthi, ngathi isithuthuthu. lwamavili ano ezimbini-"amahashe yentsimbi" ethandwa kakhulu nje abantu abatsha, kodwa phakathi badala.

izithuthuthu Modern mahle kunene, enamandla, ugqibe chrome kunye namalungu nickel ngumfanekiswana, nje musa ukundishiya nabani lingenandaba, yaye asinguye wonke ubani ofuna ukuhlala nje phezu kwabo, kodwa wakhwela kuthenga. Yonke imihla inani labo kwandisa phezu kwiindlela Russian. Kulo mzekelo, umqhubi nganye kuphakamisa umbuzo wokuba ingaba inshorensi efunekayo isithuthuthu.

inshorensi izithuthi

Ukususela ngo-2003, iRashiya yamkela umthetho ngako oko, beemoto kufuneka uthenge umgaqo-inshorensi enyanzelekileyo. Ngokwalo mthetho, bubungakanani uluhlu lwezithuthi sanihluthwayo-inshorensi. Namhlanje ibhayisekili ophezu uluhlu lwezithuthi eziphantsi inshorensi. Kubonakala inshorensi MTPL kwi abalufuna isithuthuthu, kwaye ngaphandle kwalo awukwazi sihambise ngawo ezindleleni.

Nangona kunjalo, iinkampani ezininzi inshorensi abavuma ukuyithabatha Bikes kwi-inshorensi. Le ukusilela kungenxa yokuba inshorensi isithuthuthu - iintlobo ilahleko izigqibo, kunye neenkampani bafuna ucingo ukusuka imali.

inshorensi imbopheleleko yenu izithuthuthu

Umthetho we-inshorensi esisinyanzelo yenye zombini iimoto kunye izithuthuthu. Le imali iphezulu xa isiganeko inshorensi-400 lamawaka engange lezoThutho 500,000 yezempilo. Inshorensi-inshorensi ngesithuthuthu kunye nenkqubo akukho ezahlukeneyo ukusuka inshorensi imoto. E ngokwayo kufuneka ube nencwadana yokundwendwela lobuqu, amaxwebhu isithuthi, iphepha-mvume lokuqhuba kunye itshathi diagnostic. Ukuba akunguye umnini ibhayisikile, ngoko ubhaliso iyafuneka ukuze umnini yokundwendwela (okanye ikopi original).

Indlela ukubala inshorensi isithuthuthu

Ukuze ubone ubungakanani ye insurance premium kusetyenziswa izinto ezikhethekileyo kunye nokulungisa. izinga Basic ebekwe ngo-2015, ukuze izithuthi udidi "A" ngu 867 engange. Lo mba esisiseko lithi liphindaphindwe ukulungiswa, ezixhomekeke: nedilesi yomnini, ubudala nesikhundla umqhubi, ngubani na oya kuvunyelwa ukuba ukulawula.

Kwakhona musa ukulibala wayo bonus-malus okanye isaphulelo. Ngokutsho komthetho, yonke umqhubi uhambe inkathazo-free ufumana isaphulelo se-5% ngonyaka ngamnye. Minyaka le isaphulelo ushwankathelwa kwaye isicelo ukunciphisa ipremiyamu basic inshorensi.

Noko ke, abo abaqhubi abathatha inxaxheba kule ngozi yaye gculeli, ulindele isaphulelo ayikho imfuneko. inyathelo-up ratio, oko kumiselwa ngomntu ngamnye, ngokuxhomekeke kwisixa ilahleko apha ekuhambeni konyaka rubric abayinikelwe le didi.

Indlela yokufumana

Inshorensi ukuba isithuthuthu MTPL (Rosgosstrakh linikeza kuyilo nasiphi na isikhundla) zingafumaneka ngaphandle iingxaki. Kufuneka ube iphakheji epheleleyo yamaxwebhu. Into yokuqala ekufuneka niyenze - gcwalisa isicelo se-inshorensi. Kuyimfuneko ukuba uchaze zonke iinkcukacha yokundwendwela, iinkcukacha imoto kunye nolwazi zobuqu ukwazisa abaqhubi eziya kusebenzisa isithuthuthu.

Kuphela ngokusekelwe kwingxelo ezalisiweyo, mmeli kwinkampani ye-inshorensi iya kubala ipremiyamu kwaye ikhuphe CTP contract. Noko ke, simele kufuneka ithathele ingqalelo into yokuba i-inshorensi ngesithuthuthu ikhutshwa kuphela emva kokuba uhlolo. Ngoko ke, ngaphambi kokuba utyelelo kwinkampani ye-inshorensi isithuthi kufuneka ulungiselele uze uhlambe.

Abo musa abanqwenela buqu ukuya kwinkampani ye-inshorensi, ukuba alinde, bonisa isithuthuthu kwi uviwo, ungafumana isivumelwano inshorensi kwi Internet. NgoJulayi 1, 2015 wakhupha inshorensi ngesithuthuthu intanethi CTP.

Rosgosstrakh inikezela nabathengi ukuthenga inshorensi i-World Wide Web, ngaphandle ukutyelela buqu kule ofisi. Oku konga ixesha kwaye ivumela ukuba ukusombulula umba inshorensi kwimizuzu. Njani na inkqubo yobhaliso ye-elektroniki ifomu CTP yaye ngokungafaniyo iphepha yesiqhelo?

Ukwenza umgaqo-electronic

Ukuze ngokusesikweni ipolisi ye-inshorensi imbopheleleko phezu isithuthuthu, kufuneka uye kwi website esemthethweni kwenkampani uye ngokusebenzisa ifom yobhaliso elula. Emva bebhalisa imeyili eyeyakho iza kuhamba i ukufikelela ikhowudi ukuba kuza kufuneka kwixesha elizayo xa wenze isivumelwano kwaye iza kusebenza njengendawo yogesi.

Xa isitshixo sifunyenwe, kufuneka ubuyele kwi website yenkampani kwaye ugcwalise isicelo. Xa zonke amasimi ngokuchanekileyo izicelo zizaliswe kuya kufuneka ukuba uqinisekise ukuchaneka kweenkcukacha ezifunyenwe yi ukuqaliswa ikhowudi eyimfihlo. data Eminye iya kusingathwa ngokuzenzekelayo ze-inshorensi isithuthuthu yenzelwe kwaye ihonjiswe. imvumelwano Pay kungenziwa credit card okanye ngokusebenzisa isipaji ngekhompyutha. Emva kokuba intlawulo ngohlobo kwi CTP ziza kubhaliswa kwi-website PCA kwaye ziya kuthunyelwa kwi-ofisi yeposi. Olu hlobo imbonakalo akukho eyahlukileyo ngephepha eziqhelekileyo.

Yintoni efunekayo yokubhalisa

Uluhlu lwe amaxwebhu ayimfuneko ukwenzela ukuthenga e-nkqubo, akukho eyahlukileyo amaxwebhu afunwayo ukuze kwimvumelwano-ofisi kwinkampani ye-inshorensi. Uya kudinga incwadana yokundwendwela, uxwebhu kwi isithuthuthu, iphepha-mvume lokuqhuba, itshati zokuxilonga (ukuba isithuthi omdala kunawe emi-3), kwaye isitshixo elektroniki.

Xa wabulawelwa inshorensi isithuthuthu, Rosgosstrakh Ukongezelela inikeza ukuze bagqibe i-inshorensi yobomi. Olu hlobo lwe-inshorensi mlonyeni kakhulu phakathi ngezithuthuthu, njengoko angenwe nomonzakalo ngaphezulu.

Indlela ukubonisa inshorensi endlela

Ukuba uthenge isixhobo nkqubo liability insurance abaqhelekileyo kwi-ofisi kwinkampani ye-inshorensi, emva koko angenise nje ifomu kunye namaxwebhu zobuqu. Kwimeko ukuba i-inshorensi kwi bombane isithuthuthu, ngokwaneleyo ukubonisa le fom nge-elektroniki kwi isixhobo esiphathwayo okanye tablet.

ipolisa eliligosa lendlela ufikelela kwiziko ledatha yaye CTP PCA of VIN-inani kwimatshini yakho ukuya khangela oko inshorensi okanye hayi. Ngoko ke, ukuba awunako ukubonelela i-ifomu ngendlela ye-elektroniki, kwanele ukwazisa ukuba uhlobo phambi lomqeshwa kwaye ucele ukuba ngetsheki ezimeleyo ngenxa yayo diffraction X-ray.

Kufuneka kuqatshelwe ukuba i-inshorensi kwi ngesithuthuthu ukhutshwa isithuba seenyanga ezi-3 ukuya kunyaka. Wonke Umthandi imoto phambi kokuba uye endleleni, kufuneka uthenge isivumelwano enyanzelekileyo inshorensi ngexesha elimlungeleyo. Kuba bephula umthetho ayiboneleli kuphela izohlwayo ukuba amaxesha amaninzi ngaphezu iindleko inshorensi ibhayisikile, kodwa ukwala ukuhlawula phezu kokuvela isiganeko inshorensi.