CTP makirasi uye tsanangudzo dzawo

MTPL policies arasikirwe zvazvo iri nokudzorwa Central Bank, asi handiro chete kuti vatyairi vose. Kune vanonzi CTP makirasi kuti basa motokari varidzi kwakavakirwa zvinoverengeka pamusoro. Nyaya rinotsanangura zvakadzama pamusoro izvo MTPL inishuwarenzi kirasi: sei kuti aone mufananidzo uyu uye chii zvinokanganisawo.

Accident-isina dhisikaundi

Pakukumbira mutemo kuti insurer macheki kana kupindira nguva yacho tsaona. Izvi zvinoitwa kwete kubva simbe kufarira. Kana munhu anodzinga motokari kunyatsofunga uye kwete mumabasa mugwagwa tsaona dzemotokari, zvinofungirwa dhisikaundi pamusoro mabasa gwenya inishuwarenzi mu uwandu anosvika 50%. Ndizvo ukoshi nomutemo iri kugadziridzwa pedyo chinhu inonzi bhonasi-Malus (MSC).

Sei kambani yeinishuwarenzi achida kubhadhara zvimwe kuti yakarurama kutyaira? Iye zvisingabatsiri. Regai anorasikirwa chikamu Purofiti, vachiita dhisikaundi, izvi mari vari zvishoma pane kana aifanira kubhadhara muripo netsaona. Naizvozvo, motokari varidzi kwakamutsa kuvandudza kutyaira unyanzvi kungotaurwa dhisikaundi 5% rimwe gore achityaira "pasina chiitiko." Uyu bhonasi. Asi nokuda hanya dzokutyaira, iyo inotungamira matambudziko munzira, uye mari inishuwarenzi muripo, dzakava fines-Malus.

Kwekutanga reshiyo ichi zvemashiripiti akanga akasunganidzwa imwe motokari, zvakanga kusagadzikana chaizvo. Handiti, muridzi motokari kana kutengesa motokari akarasika ose bonuses. Naizvozvo, kubva 2008, nhoroondo yacho inishuwarenzi chokuita munhu, kwete motokari.

Kwete yakadonha, asi kwete zvikuru

CTP achipfeka inishuwarenzi kuita, pane pfuma. Zvichitaurwa zviri nyore, avo nyaya ine insured hakusi anokonzera chii chakaitika, regai kuchinja mari mutemo. Vanobviswa kufungwa tsaona chete vari yakaitika muripo inishuwarenzi (kana policyholder akakonzera tsaona). Mamwe tsaona, izvo Somuenzaniso, anoswedera pamusoro evroprotokol kana kwete kunyorwa yomumugwagwa mapurisa, hazvina basa.

Kana muridzi motokari haana mhosva mutsaona, izvozvo discounts havasi kuenda kupi. Uyewo zvaitika kuti ane mhosva, asi "hapana akamboona", uye vatori vechikamu vakabvumirana, pasina nekuzivisa yomumugwagwa mapurisa.

MTPL kirasi

Pakupedzisira Pataisvika pfungwa iyoyo "CTP makirasi." Izwi iri chokuita zvikuru bhonasi-Malus coefficient, izvo takawongorora pamusoro.

A chaiyo chitaridzi, ndangariro, coefficient iyo ukoshi iri basa pasi ezvinhu akasiyana-siyana. Sezvinogona kuoneka kubva mbiru mbiri dzokutanga, imwe kirasi rinoenderana MSC.

The dhisikaundi rinowanikwa nevanhu Tikabvisa ari coefficient vakabatana uye nokuwanza mugumisiro nokuda 100%. Somuenzaniso, kana ari MSC ari 0,85, ari dhisikaundi richava:

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

MTPL kirasi inishuwarenzi hazvirevi chete pakuti kazhinji sei muridzi motokari opinda tsaona, asi pamusoro achityaira ruzivo.

Chii chinoratidza kuti MTPL kirasi

The uyo pakutanga vakakumbira mutemo nemhosva,, anogamuchira mureza 3rd kirasi ane ukoshi 1. Pashure kuperetera nhoroondo yake yeinishuwarenzi.

Gore negore sezvo pasina tsaona, kuchaderedza inoenzanirana. Ndiko, kana kuwedzera mutemo 3rd kirasi shanduko iri 4th aine bhonasi-Malus 0.95 uye 5% dhisikaundi. Kana njodzi yakanga, kirasi, nekusiyana, zvinoderedza, uye mutengo mutemo inowedzerawo.

Ndinoziva sei kirasi yangu CTP

Zvino tava kunzwisisa mashoko, inguva kufunga sei kuwana kirasi mutyairi CTP. Kutaura zvazviri, kuverenga dhisikaundi iri issuance pakati mutemo kunoda nhoroondo inishuwarenzi yacho muridzi motokari. Aripiko izvozvo zvakachengetwa?

Kana muridzi motokari akashandisa basa iroro insurer, zvakakwana kushandisa kuti boka renyu. The mushandi uchada mumasekonzi mashomanana kutarisa MTPL kirasi rekambani Database uye kuona mari kuwedzera mutemo.

Kana mutyairi vakasarudza kuchinja insurer, achava kukumbira yapfuura "muchengeti" chitupa chimiro nhamba 4, rine mashoko pamusoro aramu nhoroondo. Document inopiwa mukati memazuva mashanu.

Zvisinei, izvi hazvirevi kuti nguva dzose vanoda rubatsiro. Makambani Most inishuwarenzi vanoshandisa SAR nechigadziko uye kunyange kupa pamusoro Websites avo pachavo vatengi vavo mukana ngaaverenge mari mutemo pachishandiswa mashoko aya. Kashoma, asi zvinoitika kuti kirasi raanotaura mutemo.

Dzimwe nguva default kambani itsva akaisa ruzivo chete. Hazvifaniri kuva pasi pamusoro mabhureki, nekuti iyi nhoroondo inishuwarenzi richaparara.

Ziva kirasi yako

Kuona MTPL kirasi anogona ndorwangu, pasina mukana wokuzvidzivirira kuti insurer. Zviri zvakakwana kushandisa chiratidzo pamusoro.

With zvikamu zviviri chokutanga, isu kare afunga: zvidzidzo uye MSC. The yasara mbiru shanu inomirira nhamba nyaya inishuwarenzi kare gore. 0 - ichi haisi tsaona. Saizvozvowo, 4+ rinoratidza kuvapo mana kana kupfuura tsaona.

Tsika dziri mbiru - ndiyewo makirasi. Somuenzaniso, mumwe mutyairi ruzivo anofarirwa wokutanga kunyoresa mitemo kirasi yechitatu uye KMB 1, kufamba gore pasina tsaona. Zvinoenderana 3 Rd kirasi, tinoona kuti zero nhamba tsaona dzavakatumirwa mugiredhi 4th. Kana paiva imwe tsaona, wa1. Kirasi 1 rinoenderana coefficient 1,55. We funga:

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

Nokudaro, mutyairi kuzvitenga kana ataurazve mutemo 55% yakawanda. Asi ichi hachisi rakaipisisa kunangiswa. Asi kana pachava zvakawanda tsaona maviri, ari M kirasi ichapiwa, uye kubuda uye kudzokera Unit, zvichaita kutora makore mashanu.

Pose apo PRICING mumiririri inishuwarenzi anotungamirirwa rwonzi petafura, izvo unoenderana magetsi kirasi mutyairi.

Asi iwe unogona kuita pasina mubhadharo kushanyirazve PCA uye pakarepo kuziva MSC kwako kupinda rinokosha zita uye rezinesi nhamba mutyairi wacho.

Kana vatyairi akawanda

Zvakadini kana mutemo rakanyorwa dzakawanda motokari varidzi vane yakasiyana kirasi MTPL inishuwarenzi? How kuona mutengo mutemo iyi?

In Muchiitiko ichi, mari rinowanikwa maererano kunonyanyisa unodiwa. Somuenzaniso, nhatu mutyairi akabatanidza CTP: pakutanga MSC ndiyo 0,6, wechipiri - 0,7, uye wechitatu - 0,9. Zvinoreva kuti mitemo chinoita kuti 0,9 uchatorwa, uye dhisikaundi achava 10%.

Kana nhamba kwavatariri haina kuisa zvatisingagoni, kuti bhonasi-Malus zvinoenderana kana muripo inishuwarenzi unoitwa pamusoro yokupedzisira nguva chesungano.

About anonyengera insurers uye michina zvikanganiso

A mubvunzo anonzwisisa unomuka: nei muridzi motokari vanoda ruzivo pamusoro sei kuwana mutyairi MTPL kirasi, kana vose mashoko kwenguva refu vanobatanidzwa zvinonyatsorehwa kuumbwa, uye mumapoka inishuwarenzi kugara vanhu zvikuru vakadzidziswa vanoziva sei kuti mutengo kuti mutemo?

Chinetso ndechokuti nguva kuita vashandi izvi nehana yakachena. Uye vanogona kushandisa kusaziva mutengi kumupa mwero mutero, nokudaro zvichiita overpayments.

Kunyange kana insurer ndeimwewo alters boka mutengi, izvo zvinogona kuitika somugumisiro unyanzvi kukundikana kana yakakanganiswa date mukova.

Kana kirasi CTP mu mutemo upi chikonzero chokuchinja, nhoroondo itsva inishuwarenzi kunotanga - pamwe kirasi yokutanga. Uye mukurumbira rokutyaira chichagadzirirwa patsva.

Saka hakukurudzirwi kutenga nyepera inishuwarenzi policies kuponesa mari. Pashure pezvose, kana muridzi motokari CTP kunosvika kirasi mutyairi wacho akatsunga yakavakirwa munhoroondo nokutyaira ake, uye maererano nemashoko aya, mutengo. Kana nhoroondo yakadaro ikoko, discounts zvose ichaparadzwa nemoto.

How kuponesa musi MTPL

Mutengo mutemo zvakunoita CTP makirasi kwete chete, asi zvimwewo zvikonzero. Somuenzaniso, mashoko miganhu prices zvinosiyana zvichienderana munharaunda. Vamwe vatyairi akangwara shongedza mota yavo hama mupenyu munharaunda umo miganhu reshiyo dererei, apo ivo pachavo kuenda vakawanda simba gweta.

Zvinokoshawo, uyo mumwe wakapinda kuwedzera muridzi motokari itsika. Inishuwarenzi haringorevi avo kuti anogona kushandisa chokufambisa zvakawanda zvinodhura. Uye akapinda mutemo vanhu musingaendi zvakanaka kana chete kusvikira nezvishoma dzokutyaira ruzivo, hwakazara zvisingakoshi mari.

Pakupedzisira, kana muridzi motokari anodzinga motokari hakusi kugara, asi, somuenzaniso, chete noushamwari nguva yegore, zvino haatombotauri musoro overpay kwegore rose. Enough kutenga inishuwarenzi kwemwedzi mishoma.

Zvino tinoziva chii CTP makirasi, chii chavanoita, uye sei kuzviziva.