Bonus-Malus ratio (KBM). Makirasi eMSC nokuda kwemotokari yemagetsi TPL inshuwarheni: tafura. MSC 1 klasi 3 - izvi zvinorevei?

Haasi mutyairi wese anoziva kuti makateji eKMM ndeapi. Panguva imwe chete, haisi kungobatsira chete asiwo inobatsira kugadzirisa nyaya dzakadaro. Tichaongorora mubvunzo iwoyo kubva pakutanga, izvozvi, kune muridzi wemotokari akadaro asingatombozivi kuti MBM yakagadziriswa sei, uye tarisa zvimwe zvezvinyengeri zvekushanda kwayo.

Inishuwarenzi yakamanikidzwa

Mumwe muridzi wemotokari, pamwe nemamwe magwaro, anofanira kunge ane OSAGO. Izvi zvinomiririra motokari yemari yemainishuwarenzi yechitatu. Kuvonga mitemo, madereji ose anochengetedzwa. Kana njodzi inowanzoitika, ipapo rubatsiro rwebato rehutano rinobhadharwa kune vakakuvadzwa kuti vadzorere motokari. Uye kana kukanganisa kuhutano kwakakonzerwa, ikozvino kuzorodza.

Mune rudzi urwu rwe inshuwarisi, kune imwe nzira yakagadzirirwa kukurudzira vatyairi kuti vaende pasina ngozi. Uye chiyero chinoshanda maererano nevanokanganisa njodzi yemugwagwa. Inoshandiswa kuburikidza nedzidzo dzeMMM. Tichadzidza zvavanoreva uye kuti vanoita sei.

MBM makirasi

KBM inomirira bonus-malus ratio. Bhonasi inogamuchirwa nemutyairi asina kuwira munjodzi, mutadzi wacho pachake, uye malus, kureva, kuderedzwa kweiyoji, maererano, inogamuchira iye anotanga ngozi.

Kutyaira pasina njodzi kunogona kupedza makore mazhinji. Asi vatsigiri vezvematongerwo enyika, nenzira yega, havafariri kuti izvo kuderera kwezvinodhura zvematongerwo enyika zvinosvika zero. Nokudaro, vakapa chikumbaridzo, mushure mekunge mari ye inshuwarisi haisisina kuderedzwa. Ndiyo 50%.

Kune vatyairi vanoenda nemitemo yose yemugwagwa kwemakore akawanda uye havapindi. Zvaizova zvisina kururama kana vaifanira kubhadhara zvakadai sevatyairi vemotokari avo vanenge vasingazivi mitemo mumugwagwa.

Saka, chiyero chikuru che 0.50. Kuti uwane chigumisiro ichi, haufaniri kuwira mumatambudziko kwemakore gumi.

Kupedza chikoro kana kurasikirwa nezvikwereti

Kunyangwe mushure mokugamuchira zvakanyanya kukura, usafunga kuti inopiwa nokusingaperi pasina mamiriro ezvinhu. Kana mutyairi achipinda muhope, achiva mutadzi wacho, kubururuka kunoburuka uye kunouya kune imwe, shure kwaizvozvo ichafanira kudzokera kwenguva yakareba kune yakakosha 50%. Asi kana mutyairi akazorora kumashure kwegumbo nguva pfupi uye kupotsa kwake kwakakosha, semugumisiro wengozi, haizongorambidzwi chete, asi mari yeinishuwarenzi ichawedzera.

Kubva pakuona kwevatyairi vehana, izvi zvinopfuura chiyero chakanaka: kana iwe uchityaira kuti iwe uri nengozi kune vamwe, kuripa hurongwa hwako kupfuura!

Njodzi dzakawanda dzemotokari dzinoitika nekuda kwekushaya simba kana kusatendeseka kwevatyairi. Kunze kwekubhadhara vanhu vakadaro kuchava kune zvimwe chete mumatambudziko apo pavanowira mumhosva yavo munjodzi. Saka, nezviitiko zviduku, zviri nani kwavari kuti vabvumirane nevakakuvadzwa uye vasina kudana mapurisa emapurisa kugadzirisa nyaya yacho. Zvadaro vamwe chete ndivo vacharamba vachigutsikana (sezvo zvisingakoshi kuderedza nguva nemitsipa pakubatana nekambani ye inshuwarisi), uye vamwe (sezvo kubhadhara pamutemo sezvazvaive, zvicharamba zvakadaro).

Nenzira, unofanirwa kuziva kuti makirasi eMSC ye OSAGO haashandisi kumakororo. Uyezve, hazvizobvunzwi kana sangano racho richibudiswa kune vagari vomunyika imwe nyika kana motokari yekutamira.

Chikoro che MBM ye OSAGO: tafura

Saka, zvichibva patafura iri pasi, unogona kuverenga MSC yako. Mutsara unotenderera unoratidza mutyairi wekirasi pakutanga kwekwanisi nguva yeinishuwarenzi. Zvichienderana nekutya kwegore (ngozi-isina kana nengozi, nebhadharo inotevera inoshuwarenzi) yegore rinotevera, imwe kana imwe kirasi yeMSC ye OSAGO inopiwa. Tafura yacho ine makira gumi nemashanu, apo "M", zvinoreva "zvakanyanya", inopiwa kuhomwe yebhokisi.

Ndeipi chikamu mutyairi anowana kokutanga mushure megumbo?

Mugore remushuwarisi wokutanga, mutyairi anopiwa kirasi yechitatu. Tichadzidza mumuenzaniso uyu kuti tinzwisise sei makirasi eMSC. Tafura, kana iwe wakatarisa mutsara wokutanga, une kirasi, uye kana pane yechipiri - 1. Iri ndiro coefficient. Saka, KBM 1, chikamu 3. Izvi zvinorevei?

Kana mugore rino rekutyaira mutyairi haapindi mungozi dzemotokari (tarisa pamutsara wechitatu), uye munguva inotevera yveshuwarisi achave neKMM - 0.95, chikoro - 4, maererano. Zvadaro kuburitsa kuchave kwakaenzana ne5 muzana. Zvisinei, kana njodzi inowanikwa panguva iyi, ichagoverwa kukirasi yechipiri, uko MBM iri 1.4. Zvadaro nekuda kwe inshuwarisi inofanira kubhadhara zvimwe ne40%.

Vatangesi vhiri vanofanira kuva vakangwarira zvikuru, sezvo nezviitiko zviviri kana kupfuura, MSC ichava yakakura uye ichaenzana ne 2.45. Asi negore rinotevera rekusaona-risina kukwira mutambo wechitatu mutyairi achadzoka, uye zvakare haazofaniri kubhadhara mari yeinishuwarenzi.

KBM, yakaenzana ne 0.5, zvinoreva chikamu chemazana makumi mashanu kubva muzana. Asi kana mutyairi akadaro akapinda munjodzi, ndiye anogoverwa kirasi yechitanhatu, iyo inofanana neyero ye 0.8.

Vanokwidza motokari vanoverengeka vanyoresa mumotokari inonzi TPL inshuwarisi

Kana iyo inishuwarenzi inobhadharwa kune vanodhairi vengoro, MSC inonzi inokosha. Nheyo yacho inotorwa neiyo yakawanda. Semuenzaniso, kana vatyairi vana vakanyorera mu inshuwarisi, zvitatu zvayo zvakaenzana ne 0.7 nechezasi, asi imwe chete ine 0.9, inshuwarisi ichaongororwa maererano neBMM yekupedzisira, kureva, kuchitarisa 10% kutora.

MBM ine inshuwarisi isina kukwana

Kana iwe uine chinangwa chokutenga inshuwarisi yepamutemo yeruzhinji kuti nhamba isingagumi yevanhu inogona kushandisa, MSC inorapwa zvakasiyana. Kubva pane data ye muridzi wemotokari.

Zvakakosha kuchengeta mupfungwa kuti kana mutemo wakatengwa kare kune vanhu vashomanana, uye zvino zvakasarudzwa kuti zvivezve zvisingagumi, saka zvinofanira kunyorwa mairi zvakasiyana ivo vanhu avo vaisanganiswa mumutemo nehuwandu hwevanhu. Kana zvisina kudaro, zvidzidzo zveKMM zvekupedzisira zvicharasikirwa.

Nzira yekutarisa bonus-malus ratio?

Ndapota cherechedza kuti MSC haina kupinda mune imwe nhoroondo yeRussian Union ye Auto Insurers. Pane humwe ruzivo rwemotokari yemotokari yapfuura. Asi chiyero chinotarirwa uye chinoratidzwa zvakananga mukambani yeinishuwarensi paunotenga mutyairi wepurogiramu. ICs inosungirwa kushandisa MSCI zvidzidzo zve OSAGO, uyewo kupinda muzivo pamusoro pezviitiko umo mutyairi aive achibatanidzwa mumotokari yavo.

Nokudaro, iri mumakambani einishuwarenzi kuti unogona kutarisa MSC uye kupa mashoko akakodzera.

Zvisinei, zvinokwanisika kudzidza nezvei mune dzimwe nzira. Semuenzaniso, nokuenda kunzvimbo yeSAR uye kuonana neDB database ipapo. Kuti uite izvi, iwe uchada kutora code yako yeVIN kana nhamba yemagetsi yenyika uye dheyo pamusoro pomuridzi.

Kazhinji (sezvo izvi hazvisiri kusungirwa), makambani einishuwarenzi anoratidzira MBM muhurumende yehushuwarisi. Nokudaro, dzimwe nguva zvakakosha kudzidza rugwaro zvakanyatsonaka. Nhamba yacho inogona kutsanangurwa kunopesana nezita romutyairi wega kana mumashoko akakosha.

Panzvimbo dzakawanda nhasi kune inhare calculators, iyo iwe unogona nyore nyore kuverenga yako MBM. Nokudaro, unogona kuzvidzidza iwe pachako.

KMB Database

Saka, dhesi yekuverenga yeiyo yekodhiyo kambani yeinishuwarenzi inotora kubva kune database yeRussian Union ye Auto Insurers. Dzinobhadharwa zvakananga nemakambani einishuwarenzi, iyo inofambisa vatyairi. Ichi chinofanira kuchengetwa kunyanya kune avo vanosarudza kuchinja SC yavo kune imwe. Zvakanakisisa kuti vawane chiziviso kubva kune yaimbova kambani yveshuwarisi, apo MSC icharatidzwa. Ichokwadi ndechokuti vamwe vavo vanogona kuita ruzivo rwakashata kana kukanganwa pamusoro payo, panewo zvinogona kuva nezvinetso nehurongwa hwekutenga nezvimwe zvakadaro. Nokudaro, zviri nani kuva wakachengeteka uye iwe pachako kuunza gwaro rinoratidza kuti une imwe coefficient, kuitira kuti "pangozi" iwe hausi zero.

Zvinhu Zvakakosha

Munyaya iyi, mashoko anotevera anofanira kuonekwa.

Munguva pfupi iko kutsvaga kwekutya pasina ngozi kwakanyoresa kune imwe motokari. Apo akatengesa ndokutenga mutyairi wekare, aifanira kupindazve mu inshuwarisi yake. Mukuziva zvikanganiso zvegadziriro ino, zvakasarudzwa kuti zvisiye. Iye zvino yose iyo yakawanda, ingani makirasi eMMM aripo, inorondedzera zvakananga kumutyairi. Saka, hazvina basa kuti imotokari ipi iyo inotyaira uye iyo kambani ye inshuwarisi yakawana iyo OSAGO mutemo. Chinhu chikuru ndechekusununguka kusina matambudziko.

Mibvunzo yega yega inotorwa nevatyairi

Ngationgororei mamiriro ezvinhu akasiyana.

Chii chaunofanira kuita, somuenzaniso, chimwe chevatyairi vakanyora mu OSAGO uye vakashandura motokari yake yekufambisa? Mune chikamu chebvumirano rinobvumirwa, iwe unofanira kuonana nokukurumidza neUK. Iti policyholder mukunyora inozivisa iyo inshuwarisi pamusoro payo kuitira kuti iyo yekupedzisira iite zvigadziriswa kune zvinyorwa zvehurumende yeRussia Union yeV inshutsi.

Imwe nyaya inofadza kune vanofambisa motokari ndeyekuti MSC inotsanangurira sei kana bvumirano yeinishuwarenzi isingatariswi nenhamba yevanotyairi, kuitira kuti munguva yakapfuura vimbiso yakagadzirirwa kukanganisa kwenhamba yavo. Muchiitiko ichi, SC inopa kirasi iyo inotsanangurwa mubvumirano yemishuwarenzi. Ko UK inoshanda sei kana mamiriro acho akadai aripo, iyo, iyo yepurogiramu yechurenzi yapfuura haina mvumo kune nhamba yevanhu, uye iyo itsva inopedzerwa pamamiriro ezvinhu nezvikwereti? Munyaya iyi, kambani yeInishuwarenzi inosungirwa kuderedza MSC.

Chikoro chechitatu - izvi zvinorevei kune mutyairi? Mukuwedzera, kuti iyi kirasi inopiwa kune munhu wekutanga akawana shure kwegumbo, kana mutyairi asina kuisa chikwangwani che OSAGO kwemakore anopfuura, chero chero doro raakamboita, anopisa uye anowanazve kirasi, sezvo akagara seri kwegumbo kwekutanga. Icho ndicho MSC 1, kirasi 3.

Izvi zvinorevei kune mutyairi, kana asingagoni kupa ruzivo rwakakwana pamusoro pengozi pakuguma kwebvumirano? Kusina kururama kuverenga kuchaonekwa nehurongwa pakarepo. Nokudaro, kambani ye inshuwarisi munyaya ino inomisa mvumo yekuripira mutyairi. Izvo zvinoratidzwa mu 1.5 KBM. Izvi zvinoreva kuti mugore rinotevera kubhadhara kuri kuwedzera ne 1.5 kiyero.

Mhedziso

Takaongorora izvo zvidzidzo zveMSC zvinorevei, kuti vanoverengerwa sei, zvinoshandiswa uye zvinoratidzwa. Vanotyairi vanofanira kuyeuka kuti zvakakosha kwete chete kukwanisa kutyaira motokari uye kutevedzera mitemo yose iripo yemigwagwa. Izvo zvichavawo zvinobatsira kunzwisisa dzimwe nyaya dzakabatana, dzakadai se, somuenzaniso, inshuwarisi uye zvinyengeri zvayo, kureva, zvatiri kuitika iye zvino. Zvadaro achazonzwa ari pachitsiko nechivimbo, panguva imwe chete achiponesa mari yake.