Le okuza of CTP. indawo CTP Coefficient. CTP ngokwengingqi lomlingani

Ngo April 1, 2015 okuza avtograzhdanki zengingqi zaqaliswa eRashiya, yaye emva kwenye kweeveki ezimbini - modified kwisiseko. Iimali ziye zanda ngama-40%. Zingaphi abaqhubi ngoku kufuneka ukuba uhlawule i-nkqubo MTPL?

utshintsho lomthetho

Kwemali ukwehla, ukunyuka iintlawulo umda ukunciphisa engeluncedo lwanto autocitizen ingxenye kwimarike insurance - zonke ezi zinto zenza ukuba ukunyuka kwamaxabiso kunye nokwandiswa kwezi ntlawulo wepaseji ngo-2015.

Coefficient indawo CTP olwandisiweyo kwimimandla 11 eRashiya nelinye elifanayo inani lancipha. amazinga okukhula Ubuninzi ka-25% elungiselelwe kwiingingqi Chuvashia, Voronezh, Kurgan. In Magadansky rates ndawo iya kuncitshiswa yi-41%. Xa ummandla Dagestan, noTove, Ingushetia, kweChechnya iLeningrad ngokwengingqi CTP ingumlingani zehla.

Ubalo abangoomakhwekhwetha MSU. Ngokutsho ingcaciso efunyenweyo, kwezinye kwiingingqi kuyimfuneko kukunyusa imali kwi zoluntu iindlela zothutho ngaphezu kwama-400%. Utshintsho ngempela-100%. market Sanele ukwanda yeentlawulo elinde iminyaka embalwa. I PCA bakholelwa ukuba ngoku uza kwenza ukuphucula umgangatho nokhuseleko kunye balancing izilangazelelo.

Ukongeza, inkqubo entsha ukufumana intlawulo ekhawulezileyo ukuba ubunyani umonakalo ebomini kunye nempilo nexhoba. Ngaphambili, zonke iintlawulo ezenziwe emva kokuba unyango, ngokusekelwe kweerisithi ezingenisiweyo. Ngoku Intlawulo angafumana kuphela abaxhomekeke ixhoba, kodwa zakhe izalamane ekufuphi.

intengiso

iindleko lo mgaqo-nkqubo wenziwe okukhwela kwakunye namazinga ezizodwa. Le okuza yomthetho CTP ezibekwe ngurhulumente. Iinkampani ze-inshorensi ayikwazi ukutshintsha kuzo wena. Ekupheleni kuka-2014 komlawuli iwanyusile ubuninzi bobungakanani iintlawulo avtograzhdanki ukuya 400 lamawaka engange, nokuba iinkampani azinikezelwanga ukulahlekelwa yimali - .. Ukwanda iirhafu yayo yi-avareji ye-50%.

Indlela yokubala indleko

Ifomula ilula: okuza inshorensi MTPL nanda kunye izinga base. Kodwa amaxabiso omabini angu zixhomekeke eziliqela: .. Phindisela umqhubi wemoto mmandla nokuhlala, imeko isithuthi, njl Ifomula njengesiqhelo kubalwa ngolu hlobo lulandelayo:

Policy RT = TDB x x x BM FAC Kulungile x x x C x KM KN x n, apho:

• BT - rate kwisiseko.
• CT - indawo CTP ingumlingani.
• KBC - sisalathisi se ubudala / ubude wenkonzo.
• BM - bonus-malus.
• Kulungile - Ukunciphisa umlinganiselo.
• KM - amandla injini.
• C - zonyaka.
• KH - ukuphazamiseka ingumlingani.
• P - sisalathisi kwexesha inshorensi.

Umgaqo-nkqubo ye-inshorensi kuyabiza kakhulu buxabise Abantu abatsha abalala ezimotweni enamandla kwizixeko ezikhulu. Iindleko abaqhubi ngokufakwa ingozi-ezamahala amava lokuqhuba kwiminyaka engaphezu kwama-10 ziya kuba ncinci.

Izinga basic

MTPL iindleko nkqubo yahluka ngokwengingqi. Ngohlobo ngalunye zothutho, ngokuxhomekeke inani lezihlalo kunye yeetoni, wabeka amanani ayo. Kuba abanini iimoto lohlulwe, ngokutsho ubuhandiba lwabo yaphambi okanye amaqumrhu asemthethweni. Uye akatshintshanga ukususela ngo-2004. Kuba izibhambathiso wangena emva Aprili 1, 2015, ziya kusetyenziswa okuza ezinjalo zeerhafu inshorensi CTP:

Izithuthuthu kunye Scooters - 1507 engange.

Cars:

• abantu zomthetho - 2945 engange;.
• ngabanye, IP - 2455 engange.

Oomashini esetyenziswa njenge iteksi, - 3677 engange.

iilori:

• ezinobunzima eliphezulu ngokuvunywe iitoni ezingama-16 ka - 2511 engange.;
• ngaphezu kweetoni eziyi-16 - 4018 engange.

iibhasi:

• 20 izihlalo abakhweli - 2009 engange.;
• inani lezihlalo 21 okanye ngaphezulu - 2511 engange.;
• Taxi - 3677 engange.

Sibona - 2009 engange.

Tram - 1252 engange.

Iitrektara - 1507 engange.

Iimpawu indawo

Lo mba inokuchaphazela kakhulu izibalo. Kuxhomekeke kwindawo yokusebenza jelo. Ukuba isivumelwano senziwa ngabanye, ngoko wasebenzisa indawo kweemoto abhalisiweyo, kwaye koosomashishini - indawo lobhaliso karhulumente lombutho.

Eyona inkulu ndawo ratio CTP lisetyenziswa kwimimandla embhaxa kunye ingozi yendlela esebenzayo kunye yoxinaniso ephakamileyo (Kazan, Perm, Yakutsk, eChelyabinsk). Iimoto enamandla Ukongezelela kubalwa amazinga aphezulu. Ngoko ke, TC abaqhubi beemoto babhalise ngcono lemoto okanye ilori kwi Isihlobo kule ndawo. amazinga MTPL entsha ngo-2015 lucaciswa kule theyibhile ilapha ngezantsi. Kwizithili 11 Iimpawu ziye wande, kuba abanye - ziyancipha. E Moscow ixabiso index kuhlala ingaguqukanga.

ndawo	CTP - okuza ezintsha
kummandla Leningrad, ummandla ena, Adygea	1.3
Republic of yaseTuva, Chechen Republic, Ukuzilawula Region yamaJuda, Baikonur	0.6
Trans-izimvu Territory, eSyria Magadan, Dagestan	0.6-0.7
Ingushetia	0.6-0.8
The Republic of Sakha	0.6-1.2
indawo Murmansk	1.2-2.1
Mordovia	0.8-1.5
indawo Amur	1-1,6
indawo Voronezh	0.5-1.1
indawo Ulyanovsk	0.9-1.5
Chuvashia	0.8-1.7
indawo Kurgan	0.6-1.4
indawo eChelyabinsk	1-2,1
The Republic of Mari El	0,7-1

Bonus-malus

Kungenjalo, le parameter ubizwa ngokuba isaphulelo uhambe lembandezelo-free. Kungangena kakhulu ixabiso le nkqubo. Le lomlingani yabelwa ngokususela kwidatha malunga ubukho / ukungabikho umqhubi imali ethile endaweni isithuthi. Ngoko ke, aluchaphazeli replacement yesithuthi okanye inkampani yeinshorensi ukutshintsha umlinganiselo. Iklasi luhlaziywe ekupheleni konyaka ukusuka kumhla ekupheleni kwekhontrakthi. CTP okuza zibalwa ngokungqinelana nemigaqo-nkqubo wangaphambili, lekhefu phakathi isivumelwano hayi iinyanga ngaphezu kwama-12. Kungenjalo, umnini imoto eyabelwe udidi isiseko wesithathu.

bokuqonda

Ukuba phakathi kwesithuba sokungenelela umqhubi elalijongene ngenxa yengozi, kuya kusebenza CTP kwenyuka. Umgaqo-nkqubo omtsha uza kubiza imali eninzi kakhulu-50%. Kunyaka inkathazo-free, umthengi lifumana isaphulelo-5%. Ukuba ipolisi kukhutshwe okokuqala, ixabiso isalathiso ngu 1. isaphulelo iphezulu yi-50%. Ukuba ipolisi sibhalwe abaqhubi eziliqela (umzekelo, uyise wokubhala unyana wakhe), kwaye omnye wabo kutshanje bewiselwe owobubingeleli umthetho, ngoko ke yesalkathisi libalwe ubuncinane. Ngoko ke, ukutshintsha ixabiso nkqubo MTPL.

okuza ezintsha BM ukugqiba umqhubi eklasini. Umzekelo, ukuba umntu waba kwibakala 5 kunye ixabiso kwisalathiso 0.9, yaye emva koko ayilotyala lakhe yengozi, ngoko ke kunyaka olandelayo le isaphulelo iya kunyothulwa kwi-5%, kunye nokurhafiswa - up to 3. Ukuba iinyanga ezili-12 ezizayo iya kuba inkathazo-free, i umqhubi ulindele inqanaba eliphezulu 6.

Ukufumana ulwazi

Ibhonasi-malus luqokelelane ngokusekelwe imbali amabango inshorensi. Ukugcina umkhondo kubo, isiseko PCA ekhethekileyo yadalwa 2013. inshorensi ngalunye kwiintsuku ezili-15 emva kokusayina esisebenza lokudlulisa.

Age / amava

Amava ngaphezulu Umqhubi ezingasetyenziswanga, inowuthi ixabiso zesi salathisi. Kodwa kukho amanani ezimbini ezibalulekileyo: yobudala lomqhubi (iminyaka engama-22) kunye iinyanga 36 lokuqhuba. Kulo mzekelo, bude kakhulu isalathisi ixabiso - 1.8. Ukuba abaqhubi eziliqela, kuya kuthathelwa ingqalelo ixabiso liphezulu index.

izinto ngokunciphisa CTP (2014)

I-inshorensi angafakwa abaqhubi ezininzi. Ukuba ipolisi baya zidweliswe ngegama, kwaye ayinamsebenzi inani (2 okanye 5). Factor akayi kutshintsha. Kodwa ukuba umqhubi ngokwenene onokumxelela ngubani oza basasebenzisa emotweni, kodwa uyavuma kungenzeka enjalo, ixabiso ukusetyenziswa 1.8.

zonyaka

Abaqhubi abaninzi ukusebenzisa isithuthi kuphela ehlotyeni kwaye ebusika usele egaraji. Okanye asebenza imoto ngexesha uhambo olude. Kwiimeko ezinjalo, oko yakhupha umyalelo womgaqo onyaka ukuba naliphi na ixesha leenyanga ezi-3. Ixabiso Isalathisi ilingana mnye, iqala kunye iinyanga ezili-10 zokusebenza. Ekubeni umntu elifutshane Bambelela isaphulelo okungephi.

yokuhlukumeza lomlingani

Lusetyenziswa kwiimeko ezinjalo:

• ngokwenza iingxelo zobuxoki;
• uqhuba nakuba inti;
• ingqumbo ngabom yengozi;
• kokuba abuyele;
• ukufumana umntu ngasemva ivilana ukuba ubhalwe nkqubo.

Izalathi si zokunikwa inshorensi yobomi namandla motor

Imvelaphi uyahluka 0.2 ukuya-1 kwaye isetyenziswa kuphela angaphandle okanye ukuba isithuthi ihamba ehanjiswayo. amandla injini kunokubonwa PTSD. Le ratio ibalwa njengomsebenzi of enjini. Ukuba amaxwebhu ezicaciswe kilowatts, ukuguqulwa ngolu hlobo lulandelayo: 1 kW = 1.359 iilitha. a.

Cars trailer

Kuba imoto eyodwa enjalo ngoku lweerhafu unganikezelwanga. Kodwa kwathi inomlingani ekhethekileyo, oko kuxhomekeke kuhlobo erhuqwayo, ukususela 1.15 ukuya 1.45.

Enephepha ehlambulukileyo

Imbali Insurance lufakwa umntu amalungelo kunye olawula isithuthi. Kodwa data uzero, ukuba zingadlulanga iinyanga ezili-12 umqhubi alikangeni kuyo nayiphi na CTP nkqubo. Umzekelo: Akukho Umnini sithuthi lingacela umnini auto aqukumbele isivumelwano ngaphandle abantu wavuma kubalawuli. Emva kweenyanga ezili-12 yembali yalo reset, kuya kuba lula ukuba asayine inkqubo yawo. Abanini-zimoto kufuneka kuqala bahlaziye maxwebhu isalamane, uze emva koko uye phezu amandla ligqwetha.

ezinye iinguqu

Ithuba ukugqiba isivumelwano ixesha ngaphantsi konyaka omnye ngoku iyafumaneka. Loo bafuneka khona, umzekelo, ukuba isithuthi ezifunyenwe kwingingqi enye, yaye umqhubi ufuna ukuba babhalise kuyo enye. Ngaphambili, ngokuba iinjongo ezinjalo, lo mgaqo-nkqubo yathengwa iintsuku ezimbalwa. Ngoku loo inshorensi uya kukhutshwa kuphela kwizithuthi amazwe. Ngoko Warriors sinokugqiba kuphela isivumelwano onyaka. Kuba Abanini isithuthi isixhobo kweLPG sikude inikwa-15% isaphulelo.

Isiseko Iindleko nkqubo kwizixeko ezinkulu Russian

Umzekelo, thatha iirhafu ubuninzi data abaqhubi engama-23 yamava ulawulo kunye nesithuthi ngaphezu kweminyaka emithathu ubudala, ngubani na imoto kunye nomthamo wenjini 70-100 l. a.

emzini	ixabiso Old (rbl.)	ixabiso elitsha (rbl.)
Vladivostok	3964	6342
iyavuma	4814	7701
Irkutsk	4814	7701
Krasnoyarsk	5097	8154
naseNovosibirsk	4814	7701
Ekaterinburg	5097	8154
eChelyabinsk	5663	9513
eMoscow	5663	9060
Krasnodar	5097	8154

isiphelo

Ngo-Epreli 2015 iBhanki of Russia wayitshintsha umlinganiselo CTP ngokwengingqi kunye namazinga ezisisiseko. Innovations kummisa ngokwandisa inani eliphezulu iintlawulo kunye yeengxaki kwezoqoqosho kweli lizwe. Ngokubanzi, amazinga okukhula yaba 40-60%. Okuza kolawulo indawo kuphela kwimimandla 11. Amazinga Base nabo baye banda ayikho kuzo zonke iindawo. Kukho inomlingani entsha Izithuthi erhuqwayo. Iziqulatho inshorensi iinyanga ezimbalwa ukuba isithuthi ebhaliswe Russian Federation ungakwazi lixesha kuphela.