Mari, Inishuwarenzi
Kukarukureta of MSC: Unotsanangura yako dhisikaundi musi MTPL
Price MTPL Gwaro kunotsamira kwete nesimba motokari, uchityaira ruzivo, zera uye nzvimbo dzokugara pamusoro mutyairi, asiwo nokungwarira sei haazvibati mumugwagwa. Vatyairi vasingadi kupinda mutsaona (kanenge, kwake mhosva) angava kodzera kuti dhisikaundi anosvika 50% CTP. Asi vaya kazhinji mhosva nokuda tsaona, kuzvitenga nokuti inishuwarenzi ndiyo 2,5 nguva zvikuru. Chaizvoizvo zvakadini uchava dhisikaundi kana shoma, zvichienderana coefficient ari bhonasi-Malus (MSC). Saka, chii vari mitemo pakuverenga ari MSC?
Discount kana yakanaka?
The MSC anonziwo dhisikaundi nokuti dambudziko-akasununguka kutyaira. Kana mutyairi kare gore asina kuva anokonzera njodzi, ipapo boka iri inishuwarenzi haana kupedza mari iri muripo. Nokuti iyi yeGmail.END_STRONG vangakurudzirwa, uye kwegore kutengesa kwaari inishuwarenzi ari dhisikaundi - kupa bhonasi.
Kana mutyairi apinda mutsaona, insurer aifanira forogo kubuda aripe. Uye kuti recoup vavo mari uye panguva imwe chete kukurudzira vanozviti mutyairi kungwarira mumugwagwa, kambani yacho inishuwarenzi, pakukoka mutemo, simudza mutengo CTP - kupa Malus.
Chii tsaona dziri kufungwa nezvake?
Chokutanga, tinoona kuti havana tsaona ose zvarinoita dzemaitirwe yacho MSC. CTP - ndiyo inishuwarenzi kuita, pane pfuma. Naizvozvo, dzemaitirwe inorangarira tsaona chete avo umo insurer aifanira kuita muripo inishuwarenzi nokuda nemhosva yake.
Kana mutyairi iri tsaona regai kupomera kana chiitiko haana formalized iri motokari mapurisa, nyaya kugadziriswa evroprotokol, hazvina kukanganisa muridzi motokari OSAGO kuwedzera mutengo.
Zviri coefficients bhonasi-Malus
Kuti tizive coefficient rakashandiswa pano, tafura yakadaro kuti pakuverenga ari MSC.
Surcharges uye discounts | The coefficient kuti bhonasi-Malus | mabviro kirasi | kirasi itsva | ||||
0 kutya. kubhadhara | 1 kutya. mubhadharo | 2 kutya. kubhadhara | 3 kutya. kubhadhara | 4 uye mamwe strah.vyplat | |||
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 | Third | 4 | 1 | M | M | M |
-5% | 0.95 | 4th | 5 | 2 | 1 | M | M |
-10% | 0,9 | 5th | 6 | 3 | 1 | M | M |
-15% | 0,85 | 6th | 7 | 4 | 2 | M | M |
-20% | 0,8 | 7th | 8 | 4 | 2 | M | M |
-25% | 0.75 | 8th | 9 | 5 | 2 | M | M |
-30% | 0,7 | 9th | 10 | 5 | 2 | 1 | M |
-35% | 0,65 | 10th | 11 | 6 | 3 | 1 | M |
-40% | 0,6 | 11th | 12 | 6 | 3 | 1 | M |
-45% | 0.55 | 12th | 13 | 6 | 3 | 1 | M |
The mbiru mbiri yokutanga inoratidza kirasi pakutanga pamusoro inishuwarenzi uye runoenzanirana coefficient. Mbiru yasara iri tafura vachikubvumira kuona sei kuchinja kirasi uye MSC pamberi kana kusavapo tsaona.
Mazita mbiru anoratidza nhamba nyaya ekupedzisira nguva iro muripo chakaitwa. Nokudaro, kutanga mbiru ndiyo nhamba 0 kunoreva kuti tsaona yakanga isiri, uye wechishanu, nokuwanda 4+ anoratidza kuti munhu netsaona kupfuura nguva mana. Numbers uye tsamba muviri tafura inoratidza kuti MTPL mukirasi, zvichienderana neuwandu tsaona munzira mhosva yake.
MSC rinowanikwa maererano zvinotevera pfungwa. Kubva tsika yacho coefficient hadzisisina subtracted, uye mugumisiro wacho kane 100%. Kana munhu wokutanga anova CTP rwoga anogamuchira kirasi yechitatu MSC 1. mutyairi uyu kunobhadharwa mari 100% mutengo inishuwarenzi - pasina chero discounts kana premiums.
Kana MSC kunotemwa pa 0,9, ipapo isu tiwane: (0,9 - 1) * 100% = 10%. Saka, mutyairi rinovimba 10% dhisikaundi.
Kana reshiyo achava 2.45, ipapo: (2.45 - 1) * 100% = 145%. Gwaro mutengo yakawedzera 145%, kureva muridzi motokari akabhadharira inishuwarenzi 2.45 nguva yakawanda. Ndiwo chirango kwezvisikwa pakaita mumugwagwa.
How kuona nhamba patafura?
iwe pamberi ngaaverenge MSC, kana panzvimbo, discounts kana surcharges achitevedza nhoroondo inishuwarenzi, unofanira kuona mutyairi kirasi kuziva chii zvazvingava kushandisa.
Toti muridzi motokari achangobva wakagamuchira zvakanaka, akatenga motokari uye akaenda kunyoresa CTP. Zvinonzi basa mureza 3rd kirasi. Kwapera gore, akasvika kuzomutsidzirazve inishuwarenzi. Nhoroondo mushandi inishuwarenzi anotarira uye anowana kuti yeGmail.END_STRONG akapfuura okupedzisira mugore tsaona.
The tafura rinoratidza kuti pasina tsaona pashure penguva inishuwarenzi gore negore mutyairi achipinda giredhi 4th, uye reshiyo yaro ipfupi kubva 1 kusvika 0.95. Kana ataurazve muridzi motokari anogona kubata kubhadhara inishuwarenzi ane 5% dhisikaundi. Nguva inotevera munoita MTPL insurer vachange kare kutungamirirwa mutsara patafura chaienzanirana 4th kirasi.
Kana zvinoitika kuti panguva ino kwakanga imwe tsaona riri mhosva yacho mutyairi, kwake kuchinja kirasi kubva 3rd kuti 1st uye MSC kukura kubva 1 kusvika 1,55. Nokuti inishuwarenzi nokuti gore idzva vachava kubhadhara 55% yakawanda. Uyezve, dzemaitirwe pamusoro MSC hwuchavapano pamitsetse chaienzanirana 2nd kirasi. maviri chete pashure pemakore, vanhu vachakwanisa kudzoka kirasi yechitatu uye kutanga kuwana dhisikaundi.
Kana mutyairi Zvinovhiringidza M mukirasi, zvakatora makore mashanu kusvika mutemo wechitatu-kirasi zvakare.
Kana mutemo rakanyorwa vanhu vashoma, iyo dhisikaundi kana shoma pakutsvaga akanyanya kuipa kwazvo coefficients.
Unoziva sei reshiyo yako?
Apo neapo MSC zvinoratidzwa inishuwarenzi itsika. Saka, kuona kirasi CTP uye, naizvozvovo, uwandu dhisikaundi kana shoma, kuti insurer vachafanira kutsvaka, kuverenga MSC pachako kushandisa tafura kana kushandisa SAR chawo.
Kana ukakumbira uchityaira kambani inishuwarenzi kirasi vanosungirwa mukati memazuva mashanu kupa mashoko fomu №4 zvichiratidza zvose zvakafanira mashoko. Gwaro iri rinobatsira, kana muridzi motokari iri kuronga kuchinja insurer.
On the X-ray diffraction kusarudza nzvimbo chakaita unofanira kuenda chikamu "CTP" Tab uye tinya "Information nokuti inishuwarenzi uye vakatambudzwa." Chimwe Services ruzivo, uye uchawana tsanangudzo coefficient. Kuti mashoko zvakakwana kupinda akazarura chimiro zita uye rezinesi nhamba mutyairi wacho.
Saka tinoziva chii MSC, nei kudiwa, uye sei kuverenga nayo.
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