Imali, I-inshorensi
Ukubalwa kwe MSC: ukuchaza isaphulelo lwakho kwi MTPL
nkqubo Price MTPL kuxhomekeke nje kuphela amandla isithuthi, ukuqhuba amava, ubudala kunye nendawo yokuhlala yomqhubi, kodwa ngendlela ngocoselelo iziphatha endleleni. Abaqhubi musa ukungena ingozi (ubuncinane, ezandleni zakhe) ukuze ube nokulungela ukufumana isaphulelo kutsho kwi-50% CTP. Kodwa abo badla ityala ngenxa yengozi, iya kuhlawula kuba inshorensi amaxesha 2.5 mkhulu. Kanye indlela aya kuba isaphulelo okanye intlawulo, kuxhomekeke ukungavumelani kwe bonus-malus (MSC). Ngoko ke, yintoni na le mithetho zokubala MSC?
Ukwaphulwa okanye isohlwayo?
Le MSC ukwabizwa ngokuba isaphulelo ukuba lokuqhuba lembandezelo-free. Ukuba umqhubi kunyaka odlulileyo akazange abe noxanduva ingozi, ngoko inkampani yeinshorensi zange ukuba sichithe imali imbuyekezo. Ngenxa yoko lomxhasi zikhuthazwe, waza ke kunyaka olandelayo ukuthengisa kwakhe inshorensi at isaphulelo - ukunika ibhonasi.
Ukuba umqhubi wangena ingozi, i-inshorensi kwafuneka ifolokhwe ngaphandle kwentlawulo. Kwaye ukuze ukubuyisa iindleko zabo kwaye ngaxeshanye ukukhuthaza nowayeza kuba umqhubi balumke endleleni, inkampani yeinshorensi, ukwandisa le nkqubo, nivuse ixabiso CTP - ukunika malus.
Yiyiphi ingozi zithathelwa ingqalelo?
Okokuqala, siphawula ukuba asizizo zonke ngozi kuchaphazela ekubaleni MSC. CTP - i -inshorensi ubutyala, kunokuba impahla. Ngoko ke, ukubala sithabathela ingqalelo kuphela ezo iingozi apho insurer kwafuneka enze intlawulo inshorensi umxhasi wakhe.
Ukuba umqhubi kwingozi musa ityala nokuba yesehlo ibesemthethweni amapolisa ezendlela, umbandela olundwendwe evroprotokol, oko akuthethi asongele umnini imoto indleko ukwanda OSAGO.
Table of okuza bonus-malus
Ukuze ubone lomlingani lisetyenziswe apha, itafile enjalo yokubala MSC.
Ulwazi nezaphulelo | Le ukungavumelani kwe bonus-malus | umthombo class | iklasi entsha | ||||
0 uloyiko. iintlawulo | 1 uloyiko. inkokhelo | 2 ukoyika. iintlawulo | 3 uloyiko. iintlawulo | 4 strah.vyplat ngaphezulu | |||
145% | 2,45 | M | 0 | M | M | M | M |
130% | 2.3 | 0 | 1 | M | M | M | M |
55% | 1,55 | 1st | 2 | M | M | M | M |
40% | 1.4 | 2nd | 3 | 1 |
M | M | M |
100% | 1 | okwesithathu | 4 | 1 | M | M | M |
-5% | 0.95 | 4 | 5 | 2 | 1 | M | M |
-10% | 0.9 | 5 | 6 | 3 | 1 | M | M |
-15% | 0.85 | 6 | 7 | 4 | 2 | M | M |
-20% | 0.8 | 7 | 8 | 4 | 2 | M | M |
-25% | 0.75 | 8 | 9 | 5 | 2 | M | M |
-30% | 0.7 | 9 | 10 | 5 | 2 | 1 | M |
-35% | 0.65 | 10 | 11 | 6 | 3 | 1 | M |
-40% | 0.6 | 11 | 12 | 6 | 3 | 1 | M |
-45% | 0,55 | 12 | 13 | 6 | 3 | 1 | M |
Kwezo ntsika zimbini zokuqala ubonise iklasi ekuqaleni-inshorensi kunye ingumlingani ahambelanayo. Le kholam eliseleyo itafile zikuvumela ukuba ukujonga ukutshintsha indlela iklasi kunye MSC phambi okanye ukungabikho iingozi.
Amagama kwiikholam kubonisa inani lamatyala kwixesha lokugqibela apho aza kwenziwa. Ngako oko, kwikholam yokuqala linani 0 ithetha ukuba kule ngozi akuzange, eyesihlanu, kunye nenani 4+ ibonisa ukuba lo mntu ingozi ngaphezu izihlandlo ezine. INumeri nonobumba umzimba etafileni ibonisa indlela iklasi MTPL, kuxhomekeka kwinani iingozi ezindleleni ezandleni zakhe.
MSC ubalwa ngokungqinelana umgaqo ilandelayo. Ukususela amaxabiso iyunithi lomlingani ukuba sisuswe, yaye isiphumo yande ngama-100%. Xa umntu wokuqala CTP ifumana ngokuzenzekelayo kwiklasi yesithathu kunye MSC 1. Le umqhubi byi-100% yeendleko-inshorensi - kungekho naziphi na izaphulelo okanye iipremiyamu.
Ukuba MSC imiselwa kwi 0.9, ngoko ke sifumane: (0.9 - 1) * 100% = 10%. Ngoko ke, umqhubi lixhomekeke-10% isaphulelo.
Ukuba umlinganiselo iya kuba 2,45, ngoko: (2,45 - 1) * 100% = 145%. iindleko nkqubo lenyuke nge-145%, oko kukuthi, umnini imoto ihlawulela inshorensi izihlandlo 2,45 ngaphezulu. Oku isohlwayo ekudalweni likaxakeka endleleni.
Indlela ukujonga umlinganiselo etafileni?
Phambi kokuba ukubala MSC, hayi kanye mandithi, izaphulelo okanye intlawulo ngokuhambelana kwimbali inshorensi, kufuneka ukuba kumiselwe umqhubi iklasi ukuba ukwazi oko izinga isicelo.
Masithi kutshanje umnini imoto sele ifumene ilungelo, ndathenga imoto waya ukubhalisa CTP. Oku yabelwe iklasi standard-3. Emva konyaka, weza zokuyihlaziya le-inshorensi. Imbali inshorensi Employee ukhangela waza wafumanisa ukuba umxhasi badlula kunyaka ophelileyo kule ngozi.
Le tafile ibonisa ukuba ukungabikho ingozi emva kwexesha inshorensi yonyaka umqhubi ingena grade 4, kunye nomlinganiselo layo liye lancitshiswa ukusuka ku-1 ukuya 0.95. Xa koMoya umnini imoto ungenwe ukuze uhlawulele inshorensi nge-5% isaphulelo. Ixesha elizayo usenza MTPL inshorensi iya sele kukhokelwa umgca itheyibhile ehambelana kwiklasi yesi-4.
Ukuba kwenzeka ukuba ngeli xesha kwakukho ingozi omnye asilotyala umqhubi, utshintsho iklasi yakhe 3 ukuya 1 kunye MSC ikhule ukusuka ku-1 ukuya 1,55. Kuba inshorensi unyaka omtsha kuya kufuneka ukuba uhlawule 55% ngaphezulu. Ngaphezu koko, ukubalwa MSC ziya kusekelwa phezu imigca ehambelana kwiklasi yesi-2. kweminyaka emibini kuphela kamva, abantu baza kuba nako ukubuyela iklasi lesithathu kwaye uqale isaphulelo.
Ukuba umqhubi uvunayo eklasini M, kwaqengqeleka iminyaka emihlanu ukuze kufikelelwe imilinganiselo wesithathu-class kwakhona.
Ukuba ipolisi sibhalwe abantu abambalwa, lo isaphulelo okanye intlawulo emiselwe yi abanobubi okuza.
Wazi njani ratio yakho?
MSC ezinqabe kakhulu kubonisiwe kwi-inshorensi. Ngoko ke, ukuba ukufumanisa iklasi ka-CTP yaye, ngokunjalo, isixa isaphulelo okanye imali, i-inshorensi kuza kufuneka ukuba bafune, ukubala MSC ngokwakho usebenzisa itafile okanye sebenzisa isiseko SAR.
Xa cela uqhuba na inkampani yeinshorensi iklasi unyanzelekile zingadlulanga iintsuku ezintlanu ukunika ifomu ingcaciso №4 ebonisa zonke iinkcukacha eziyimfuneko. Olu xwebhu luluncedo, ukuba umnini imoto uceba ukutshintsha insurer.
Kwi diffraction X-ray ukujonga site factor kufuneka uye kwicandelo "CTP" isithuba kwaye nqakraza ku "Iinkcukacha policyholders kunye namaxhoba." Phakathi kwezinye iinkonzo zolwazi, kwaye uya kufumana kwenkcazo ingumlingani. Ukuze ufumane inkcazelo ukungena uhlobo wavula igama kunye nenombolo mvume lokuqhuba ngokwaneleyo.
Ngoko ke siyayazi ukuba MSC, kutheni na, yaye njani ukuba ubale ngayo.
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