Buyela CTP xa uyithengisa imoto: Amaxwebhu ezicelo

Ukunyuka kwamaxabiso CTP ikhuthaza abanini ukuba athengise imoto, buyela nxenye ingasetyenziswanga inshorensi. Udaka imibuzo iwela kwiiforam ezizodwa kunye websites esemthethweni insurer. Zakutshanje kabuhlungu izimvo ngalo mbandela yaye nzima ngakumbi ukunika ingcebiso. Buya CTP ekuthengisweni imoto, kakade, kunokwenzeka, kodwa kukho inani iimpawu lula nkqubo ukuthotyelwa.

Standards kunye nemithetho

Ukubuyela CTP ekuthengisweni imoto kufuneka bakhokelwe la maxwebhu alandelayo:

• FZ, yomhla 25.04.02, njengoko ulungisiwe 05,2016 "Kwi-inshorensi enyanzelekileyo zobutyala yoluntu yabanini-zithuthi" (Inqaku le-10);
• imigaqo esisinyanzelo saphuhliswa yi-Central Bank of the Russian Federation kunye noMthetho i-Bank Russia (№ 431).

Kunye ezimbalwa iinyaniso engaguquki:

• Sigxininise kuvuselelo yesithuthi kumnini entsha iintsuku ezilishumi kuphela.
• Umthengisi TC linyanzelekile ukuba lazise insurer ukuthengisa isivumelwano ogqibeleleyo.
• Regulations on inshorensi motor TPL ezinyanzelekileyo (umhlathi 1.9) lazisa kubaxhasi beenkampani inshorensi ukuba kutshintshwe isithuthi okanye yeinshorensi asilungiselelwanga kwi CTP. Oko kukuthi, phantsi kweemeko ngentla, isivumelwano inshorensi liyayeka ukuba amanyathelo asemthethweni. Kwaye oku sisiseko imali CTP kwindawo imoto ayithengiswa.
• Insurance ukubuyiselwa, kungakhathaliseki nokuba ngaba ke xa imvumelwano ipheliswe akuyi ukubala.
• Amaxwebhu engqina kutshintshwe umnini wesithuthi, kumboniso we-inshorensi ezifunekayo.
• Isivumelwano, olu sapho lwaluquka yokuthutha isithuthi kwindawo yobhaliso, awukwazi ukurhoxisa.
• Wena angasiphelisa isivumelwano kuphela xa kuphothulwe kulo nyaka.

Isiqalo

Buyisela enyanzelekileyo intengiso imoto xa kukho isizathu esivakalayo nokumisela imithetho CTP, umhlathi 33.

Buyisela imali engasetyenziswanga inshorensi i-UK disadvantageous kakhulu. Ngoko ke, iingcali Siyaleza ukufuna uncedo amagqwetha. Le nkqubo ifuna ukuba iseti ethile yamaxwebhu. Omnye wabo - ingxelo. Ubhala ubuso bakhe, lingena kwimvumelwano kunye inkampani yeinshorensi. Ifom yesicelo akukho indlela ezinzileyo. Ngoko ke, inkampani yonke inshorensi inika uhlobo kuphuhliswa. Kodwa ke, jikelele, ukuze ibe CTP imali xa athengisa isithuthi iqulethe ezi nkcukacha zilandelayo: data yokundwendwela ye-inshorensi, i data kwi kwisithuthi inshorensi, inani isivumelwano inshorensi. Ingongoma ethile yi ebonisa izizathu yokuphelisa inshorensi. Iinkcukacha ezithe vetshe iya kuba yimfuneko ukuze ukuhlawulwa kwemali (igama ebhankini, BIC, ngaphambili, intatheli kunye akhawunti zangoku njalo njalo.).

Umzimba iqulathe isicelo isicelo sokupheliswa kwesivumelwano-inshorensi ngenxa intengiso yesithuthi, yaye ngenxa yoko, kukho utshintsho lobunini. Ngaphezu koko, lo sikhalazo kufuneka ukhankanye izibalo ezimbini nongakhange yexesha ukusebenzisa, yaye ezithi zibhalwe ngohlobo iipremiyamu. Siphela ingxelo ecela ayibuyise iinkcukacha ngentla.

Isicelo ngasinye kufuneka babhaliswe uxwebhu ongenayo. Avtoyuristy Kucetyiswa ukukhupha ikopi yefom yesicelo ezalisiweyo, kunye nenani engenayo zipelwe nomhla wokwamkelwa. Ungenza isicelo buqu, kwaye ileta ngeposi Russia ebhalisiweyo. Kulo mzekelo, kufuneka ucele isamkelo sokubuyisa nokwenza uluhlu oluneenkcukacha amaxwebhu lufakwe apha. Le ndlela yesibini kuluncedo ingakumbi xa amaxwebhu azifumanekanga e-ofisini.

Ukuba isicelo uthatha

Amatyala ukungaphumeleli kokufumana isicelo kunye iphakheji kwamaxwebhu imbuyiselo inshorensi. Abaphathi ukuthumela abathengi ukuba i-ofisi eyintloko; ke uhlobo ezifana, ezingagunyaziswanga ukukwenza. Oku akuyonyani. Kuba imvumelwano ipheliswe - le yenye yeenkqubo ezilula, eya kubakho nasiphi na isikhundla kwinkampani ye-inshorensi. Nokuba yengingqi, umntwana okanye nayiphi na enye.

Amaxwebhu lokubuya CTP xa uyithengisa imoto

ngokuqhelekileyo Bona yahlulwe iinxalenye ezimbini. Omnye wabo - engundoqo, kufuneka kuyo nakweyiphi na inkampani yeinshorensi, kungakhathaliseki ukuba isizathu imvumelwano ipheliswe. Eyesibini ibonisa yaye uqinisekisa ukuba imbuyekezo CTP efunekayo xa uyithengisa isithuthi.

Inxalenye Isiseko ibandakanya la maxwebhu alandelayo:

• i yoqobo kunye nekopi kubameli le yokundwendwela umxhasi, ukuphumeza isivumelwano;
• ipolisi ye-inshorensi iya kuvalwa (kuphela original, kungakuhle ukuba ushiye ikopi ngokwayo, ezinokuthi ezifunekayo kwinkqubo);
• irisithi okanye uxwebhu elektroniki engqina intlawulo CTP;
• Iinkcukacha zebhanki ne-akhawunti apho ukubuyiselwa (amanyathelo nemali kuvunyelwe) ziza kwenziwa.

Uluhlu lwamaxwebhu engqina intengiso isithuthi, inokufumaneka uninzi kwinkampani ye-inshorensi. Kodwa ke kaninzi:

• Uncedo-akhawunti (ukuba kukho inkqubo intengiso);
• Isihloko ingxelo utshintsho lobunini kunye ikhontrakthi ezibhalisiweyo zentengiso.

Umhla wokubuyiswa ipremiyamu inshorensi on yokuthengisa imoto MTPL ziya kuqwalaselwa emva komhla wokungeniswa kwamaxwebhu.

Ethetha TCP. Funa sokuqala okanye ikopi yayo umphathi IC akanalo ilungelo. Umthetho, intengiso yesithuthi ingqinwa ikhontrakthi zentengiso.

ngokoMthetho

Buyisela inshorensi MTPL ekuthengisweni imoto kuthatha ezimbalwa iintsuku ishishini. inkampani nganye uzisa le ngcaciso umxhasi ekupheleni ulwamkelo amaxwebhu.

Kodwa ke umthengi UK kufuneka bazi ukuba phantse nayiphi na inkqubo yenziwe yi kwinkampani yeinshorensi ethile ayikwazi ingadluli kwiintsuku ezili-14. Le norm adweliswe kwisiqendu 34 CTP Regulation. Kungenjalo, izohlwayo ebekwa yi-UK, kwaye isixa sembuyiselo iya kwandiswa ngokuyinika nezohlwayo. Ukuba inkampani yeinshorensi ukulibaziseka isigqibo sayo, umxhasi angangenisa isikhalazo esibhaliweyo Central Bank of the Russian Federation (buqu okanye nge-website) kule Motor nabaKhuseli Union okanye ibango enkundleni (kwindawo ye-ofisi ebhalisiweyo ye-SC). Inkundla kakhulu olucothayo ingqalelo iimeko ezinjalo, ngoko avtoyuristy sincoma ukuqalela Central Bank.

Kwiimeko ezinqabe kakhulu, i-SC angala ukubuyisela of CTP kwindawo imoto ayithengiswa. Oku kuchaphazela inani yeemeko ezithile.

abanini moto, bezama ngokukhawuleza bathengise ngazo, kufuneka baqonde ukuba xa ubuyele ngexesha intlawulo umnini litshintshile, ngoko ke imali uya kufumana loo nto kakade. Avtoyuristy sincoma kakhulu ukuba kuqala ukusombulula yonke imiba kwinkampani ye-inshorensi, yaye emva koko benze isithuthi kumnikazi omtsha.

Kodwa lo mthetho kunikwa iintsuku ezilishumi kuphela. Kukho zonke isizathu ukubamba, ngoko, abaqhubi beemoto abanamava bayacetyiswa ukuba bazise umnini omtsha irisithi yokubuyiswa yembuyekezo CTP, kwaye uvumelane ngayo le nkqubo.

Return senziwa nje kuphela kwi polisi

Fumana eseleyo imali-nkqubo, i-inshorensi, kungathi ngaphezu:

• indlalifa inshorensi obonwa yi izivumelwano;
• ummeli osemthethweni-inshorensi;
• ummeli osemthethweni lomnini;
• indlalifa kumnini wesithuthi, izivumelwano elaziwayo.

Abamele kuyimfuneko ukuba isicelo wokubuyiswa CTP kwamandla akhoyo jikelele ligqwetha. Yaye kumele kubekho indawo ecacisa ithuba imicimbi yemali.

Ifomula yokubala imali buyiselo

Kwi-Internet kukho iziza ezininzi ezifundisa ukubala ekhawulezayo iindleko CTP elingasetyenziswanga. Kodwa unako ukukwenza oko ngesandla. Kukho indlela esemthethweni.

Kubonakala ngathi le nto:

D = (P - 23%) x (H ː 12), apho:

• 23% - kumlinganiselo UK (ithetha iindleko ezithile ze-inshorensi);
• N - inani leenyanga ngokupheleleyo phambi kokuba ekupheleni kwekhontrakthi-inshorensi;
• P - iindleko ezipheleleyo yalo mgaqo-nkqubo;
• D - mali imali.

amazinga enzala zigqitywa ummiselo Central Bank of the Russian Federation. Zezi zilandelayo.

iindleko yeinshorensi ziquka i-3% of iminikelo kwi-SAR. Ngokuba yintoni? Esi sixa idluliselwe kwi-akhawunti yolondolozo apho imbuyekezo ihlawulwe. Ngaphezu koko, 2% - ebekelwe ngoku, yaye omnye - alunakuqinisekiswa.

20% bahlala kule nkampani. Bahambe iindleko kunye nokugcinwa nemicimbi client aphilileyo. Oku kuquka inkonzo benefits, ukugcinwa inshorensi, umenzi wayo, sebenzisa ubuchule ezahlukeneyo, umholo, ilungiselela amaxwebhu njalo njalo.

Oko sisiseko kubalwe ukuba i-77%.

Umhla koku umhla ejikeleza le zeinshorensi kwi-ofisi yenkampani. Umthetho-siseko ithathwa ukuba umhla lokusayina isivumelwano sokuthenga.

IBhodi Avtoyuristy tentatively ukuba izibalo ezizimeleyo, ukuze xa zobuqhetseba yi kwinkampani ye-inshorensi ukuba amangalele.

A kuphambuko encinane

Ngokusemthethweni ndawo ukuba sizimisele abo kakhulu-23%. Umzekelo, imbuyekezo kwi ekuthengisweni MTPL imoto "Rosgosstrakh" kuqinisekisa ukuba kukho "isivumelwano mutual 'amaqela. Enoba kunjalo, le meko luvo. Ke kaloku, malunga ne-20% ukuya ekuqhutyweni kweshishini le-inshorensi. Ukuba isivumelwano inshorensi ayenziwanga upheliswe kusasa, evela kwinkampani yeinshorensi ithatha le pesenti? Emva kokuchitha zonke ngohlobo olufanayo? Oko kukuthi, ukuba akukho zizathu ecacileyo ezibiza umdla phezu lokuyeka yokuqala. Lo mbuzo usoloko ekho emoyeni. Ukuba isixa esikhulu yobalo lakhe, iyavakala, ukhokelwa kwiSiqendu 958 of the Code Civil kunye nomhlathi 34 weMigaqo CTP, ukujongana isimangalo enkundleni kwaye kufunwe ukuba abuyise ezo mali yimali ye-nkqubo ngaphandle kuthathelwa ingqalelo i-20% iye ihlawulwe.

Isimanga, uninzi la mabango enokusonjululwa inkundla HIV, ukususela (jonga ngentla) umthetho ayiboneleli isikhokelo esicacileyo malunga nokugcinwa iinkampani ze-inshorensi-23%.

kuya kufuneka ukuba uhlawule umrhumo kukarhulumente. Kodwa ukwenza ngaphandle isicelo sokubuyiselwa imali nkqubo MTPL phezu intengiso yesithuthi eso, ziya kugqitywa kwaye kuqokelelwe imali yokubhalisa.

"Ingosstrakh" inikeza Iwawo

Abathengi oye inshorensi motor liability kwi UK "Ingosstrakh", kuqala ingxelo malunga neenjongo zakhe on the phone. umphathi icacisa imeko aze anike iingcebiso, kuquka iphakheji yamaxwebhu afunekayo ukuze ukupheliswa. Xa aselelungile,-inshorensi kuza kwi-ofisi ekufutshane, kugcwalisa ifomu yesicelo, nto leyo echaza isizathu sokuba ukupheliswa kwaye ikhankanya iinkcukacha yokubuyiselwa ixabiso le nkqubo.

Ukuba wala, kutheni?

Ngokuqhelekileyo, le unyango bamuva CTP ukubuya yokubala xa uyithengisa imoto. Ukuba umhla lokuthenga eso sithuthi akuntsuku zingaphezu kwama-60, inkampani yeinshorensi unalo ilungelo lokwala. Apha kufuneka uqaphele ukuba i-inshorensi iya angaziphathi ukubala ukusukela kumhla intengiso yesithuthi, yaye emva komhla yinkampani ekhuphe nkqubo.

Kwakhona, inkampani ye-inshorensi uyala ukuhlawula xa kuneemoto ngamandla jikelele ligqwetha. Kuba umnini esemthethweni yesithuthi kuhlala enye.

bokuqonda umdla

Ezinye iinkampani ze-inshorensi kubingelela yokukhuphela intsalela-nkqubo omtsha MTPL. Lo mbuzo unelungelo isigqibo client.

Ingaba Kufuneka Ndiye ibhonasi?

Kodwa nayiphi na imeko, amagqwetha ingqalelo beemoto kwi enjalo njengoko MSC. Olu lulwahlulo bonus-malus, kuhlawuliswa lokuqhuba ekhuselekileyo. Oku kwenzeka kuphela ekupheleni konyaka insurance. Kwaye, njengoko nisazi, i MSC kukuthi, isaphulelo ngakumbi Ulindele ukuba zeinshorensi xa uthenga umgaqo-nkqubo omtsha.

Nangona kunjalo, xa kwimeko ekuqaleni imvumelwano ipheliswe CTP, ngenxa yaso nasiphi na isizathu, inani le bonus-malus singabalelwa. Ngoko ke, kubalulekile ingqalelo. Mhlawumbi, ukuba phambi kokuphela kwalo mgaqo-nkqubo ihlala iinyanga ezimbini okanye ezintathu, ngoko ke kungcono ukuba ukugcina isivumelwano sisebenza kwaye uzinike (akukho isikhubekiso endleleni) isaphulelo kwi kwindlela anda KBM.

Ngaba I ukulondoloza imali?

Ubudala obunyanzelekileyo bokuhamba inshorensi Return xa uyithengisa isithuthi ayinakuphumeza (lo gama kugcinwe-23% SC olubekelwe bucala). Ukuba kukho ithemba kumthengi, i-CTP yakhutshwa nje, kwaye umnini omtsha inshorensi imbuyekezo ezingasetyenziswanga. Kuba oku kwisivumelwano esibhaliweyo phakathi endala kwaye umnini entsha ukubuya mali ethile. Oku kungqinwa izivumelwano. Ungaya enye indlela uze ulungise ukuqaliswa umnini omtsha-nkqubo isixhobo liability inshorensi lwangoku njenge into eyahlukileyo kule mvumelwano zentengiso. Umthengi kulo mzekelo, wabhala ingxelo apho ucela ukwenza ibe nkqubo eziphathekayo.

Waye endleleni,-inshorensi akanalo ilungelo lokumisela kutsalwe imali eyongezelelweyo ukuba iintlawulo ezalathelwe phantsi kwepolisi zemicimbi inshorensi.

Kwaye ekugqibeleni,

I-Russian Union of Auto nabaKhuseli alumkise abanini imoto, bathengisa yabo. Yinto eyaziwayo sele iimeko zobuqhetseba, abanini imoto entsha ukulawula ukubuyela i-inshorensi ongasetyenziswanga (abahlawulwa yi-inshorensi wangaphambili) ngokwayo. Ngoko ke kume kunye amaphepha e-UK ayinakuba!