Kirasi "bhonasi-Malus" - chii? Kirasi "bhonasi-Malus" unoziva sei?

Mari mutemo rinosanganisira nechepasi mwero izvo dzinosiyana maererano zvimwe zvinhu. Ivo vanovimba vachikwanisa mumotokari, ukuru uye makore mutyairi nezvimwe parameters. Mumwe zvinhu ndiyo kirasi "bhonasi-Malus". Chii? Sezvazvakanyorwa verenga? Ko mufananidzo uyu zvinoenderana? Mhinduro dzemibvunzo iyi, verenga mberi munyaya.

tsananguro

XRD akasuma coefficient iyo inoshandiswa apo pakuverenga kukosha kwenguva imwe CTP uye motokari - ". Malus-bhonasi" Class Chii? Kufungisisa zvachinja kukosha pechingoro mwero zvevakomana ane mushonga kuti vatyairi yakarurama vane refu chiitiko tsaona-isina kutyaira. Kuvanhu vane vanga vanopara tsaona, unogona kuva vanetsane - mukanyanyisa yokufamba maererano 2.5 nguva.

Kirasi "bhonasi-Malus" (MSC) - iri dhisikaundi nokuda kutarisika chokufambisa. Inishuwarenzi makambani vanofarira vatyairi yakarurama. Sezvineiwo mubayiro wavo mutero inopa coefficients, ichipa discounts kuti vatengi. Insurers indekisi yakanga yakataurwa MSC, ndiro basa tsaona isina motokari uye inopa dhisikaundi 5% rimwe gore. Kufungisisa chete tsaona umo muripo chakaitwa.

Sezvo MTPL insures zvakakanganiswa muridzi mutemo kumapati wechitatu, muchiitiko ichi, kufungisisa chete tsaona, yaiva Muvambi nemhosva. Zviitiko, kusanganisira yakashongedzwa pasina kuvapo motokari nemapurisa (kunze evroprotokol) havana kuverengwa. Nyaya chibvumirano ndiko mutyairi wacho basa, kwete zvivako. Nokuti kurasikirwa-kugadzira akapa fines, izvo zvinogona kuwedzera zvikuru mari mutemo. Ndizvo dambudziko isina bhiza nokuda yeGmail.END_STRONG anogamuchira "bhonasi", asi zvakanga mhosva tsaona - "Malus". Saka zita chinoratidza.

How kuona kirasi "bhonasi-Malus"?

By default, kuti MSC haana kuiswawo pakati SAR Database kambani - nayo akanyora mashoko kwaainge zvibvumirano, yakabudiswa pamusoro munhu uye motokari. Izvi rinowanikwa nevanhu mumiririri ari mugari nyaya chokwadi. Zvinofanira kukonzera SAR umboo mujinga pakupera kondirakiti ano. zvandinovimbisa Izvi yakasimbiswa Mutemo "On Rokumanikidzwa". In tsika, zviri kashoma akaita. Ongorora kirasi "bhonasi-Malus" rinogona kuva kwete kambani yacho inishuwarenzi, asi vachishandisa Website RSA. A rinokosha zvakafanira kutaridzwa VIN code, zita uye mashoko ari pasipoti. The mugumisiro zvichakurukurwa muchimiro munhu fractional nhamba siyana kusvika 2.45.

mhando coefficients

Kune 13 makirasi MSC - kubva vatyairi 'nguva uye mberi, zvichienderana neuwandu tsaona uye kubhadhara inishuwarenzi kwavari (muridzi mutemo zvingakanganiswa, asi kwete chaikonzera tsaona).

Nokuti tafura iyi, unogona kuwana coefficient nyore nyore "bhonasi-Malus". Nzira yaJehovha kukarukureta uye tsika chinoratidza ichi ichakurukurwa zvakadzama pazasi. General mitemo kushandisa tafura unogona kuona mharidzo iyi. mutyairi mugiredhi KMB wechishanu. Iye achipfeka MTPL gwara ane 0,9 coefficient. Kana chiri yakazara gore pasina tsaona yokufamba, ipapo wana mugiredhi rechitanhatu uye kukura 15% dhisikaundi. Asi kana mutyairi kuchaita kutsamwisa tsaona, kirasi ipfupi kuti 3. Kana 2 tsaona - chinhu 1. The yose muitiro iri ndokutangazve. Mugore kungawedzera kirasi imwe chete. Kana, mukati memwedzi 12 mutyairi haana inishuwarenzi musi CTP, ruzivo pamusoro pake mujinga SAR iri kwaita itangezve.

mienzaniso

Man August 9, 2014 kokutanga kutengwa MTPL gwara rimwe gore. Munguva nhau nguva, haana akapinda mutsaona. "Bhonasi-Malus" Akaisa kure nokuda kirasi. Unoziva sei naye saizi? Pakutanga, mutyairi basa kirasi yechitatu uye indekisi kukosha 1. Kwapera gore, kutarisika ndimuperekedze giredhi ake 4th uye kukosha coefficient pakati 0.95 ichapiwa.

A muenzaniso zvikuru kunzwisisa. August 8, 2015 kekutanga munhu insured motokari uye 5 makore havana kuwana mutsaona. Muna 2020, aiva mutariri tsaona maviri. kirasi "bhonasi-Malus" vachamutswa munyika iyi. Chii? Mumakore mashanu 'zororo-kunyange "mutyairi akawana 8 kirasi MSC. Asi pashure maviri tsaona paakati slid kune yechipiri ine ukoshi 1,4.

Sei kushandisa MSC kune akazarurwa uye shoma inishuwarenzi

Maererano gwaro "The shoma dziine hukuru," boka rinowanikwa kubva mashoko ari muridzi chokuita motokari. Maererano chibvumirano, hakuna muganhu pamusoro nhamba vanhu vakabvuma kuti motokari zvakanaka. The dhisikaundi Akatsunga pachishandiswa humboo pamusoro motokari uye mukirasi wehondo, wakanga kare. Kana mashoko iri kutadza, muridzi wacho basa Class 3.

Kana mutemo iri rakapa ive risingaperi nhamba kwavatariri, kuti coefficient akatsunga kuti muridzi motokari. KBM - anozivikanwa mutyairi, kwake dzokutyaira tsika, kwete michina. Kana mutemo chaibva kuna 5 vanhu, vari chiitiko petsaona exchange kunoderedza pati mhosva chete, uye kwete vatyairi vose.

Kana kare wechitatu munhu kwave apinda nechibvumirano zvishoma inishuwarenzi, uye ipapo mutyairi yakasarudza ape MTPL pamwe vakawanda vatyairi, kuti achengetedze discounts mu mutemo vanofanira tsanangurai mumwe munhu (shamwari, hama, kana shamwari), kuti murege kurasikirwa atambira unodiwa.

Sezvo kureva MSC shoma inishuwarenzi?

Panyaya iyi, mutemo mutengo rinowanikwa pamusoro shoma kirasi vanhu vapinda mutemo, uye nhoroondo inochengeterwa mumwe mutyairi. Muenzaniso: wokutanga MSC rinoratidza 0,6 mutyairi, wechipiri - 0,9. Pakuverenga kuti CTP achapiwa akazviisa kuna 0,9.

zvikanganiso

Dzimwe mutyairi yakanaka dambudziko isina ruzivo, asi mashoko chivimbo chakasimba unoratidzwa kirasi yakaderera "bhonasi-Malus". Chii? Zvikonzero zviviri zvinokwanisika:

• mutyairi haana inishuwarenzi kuti rapfuura karenda gore, uye akanga asipo pane imwe Mutemo somunhu rinobvumirwa kurapa TC;
• Kambani yacho inishuwarenzi anongotaura akauyisa ruzivo kuna SAR date chawo.

The inonyanya dambudziko rechipiri. Uye hazvisi nomudonzvo wacho kuregeredza, uye kuti mashoko apinda Database manually. Nokuti zvinobvira zvikanganiso kana kukanganwa. Mashoko akaipa ndechokuti kudzorera "bezavariyku" vachatitaka kuburikidza kumatare. First unofanira kuratidza kuti bhonasi riri Reset. Unogona kuita izvi kuburikidza kunyorera inishuwarenzi kana tisingatungamirirwi ongorora ruzivo panzvimbo. Next unofanira kushandisa zvakananga PCA, iyo kutaridzwa yapfuura uye kuitika nhamba MTPL mitemo kuitira kuti vashandi aigona kuva nechivimbo chokuti tsaona iwe wakava. Izvi zvinoteverwa kunyunyuta kuti insurer muna Central Bank of Russia. Kana nezviyero izvi regai kubatsira, unofanira kuenda kudare.

kurambidzwa

CTP chibvumirano nemugove kwemwedzi isingasviki 12. Mutyairi yakakodzera dhisikaundi kuti "profitability" - boka "bhonasi-Malus". Ndinoziva sei uwandu nemari? Hapana. By mutemo, ivo MSC anofanira chete anoshanda mutemo, iro rinongoshanda kwenguva 1 year.

mhedziso

Inishuwarenzi makambani vanofarira mutyairi ane ruzivo, uyo kwenguva refu, zvakanaka raitungamirirwa motokari. With MSC chakaita rakagadzirwa kukurudzira vanhu vakadaro. Ndiye anokonzera awarding kwavatariri "zvinobatsira" uye kuranga vaya kazhinji opinda tsaona. Sei kuverenga boka "bhonasi-Malus"? Nokuti mumwe gore rimwe akashambidzika kukwira mutyairi achawana dhisikaundi 5%. Kana imwe inishuwarenzi payout reshiyo kunowedzera, uye nemhosva mari imwe mari kuti mutemo.