Ufumana njani i-MPS yakho ye-OSAGO ngesiseko se-SAR? Yintoni i-KBM

Abaqhubi abanolwazi bayazi kakuhle ukuba imali abayifunayo yokuhlawula umgaqo-nkqubo we-OSAGO, kuxhomekeke kubude beenkonzo, kunye nokuhamba ngaphandle kweengozi. Ixabiso lomgaqo-nkqubo liqwalaselwa ekuqwalaseleni i-coefficient ye-bonus-malus. Siza kufunda indlela yokufumana i-MIS yakho ye-OSAGO.

Yintoni i-KBM

I-coefficient ikhuthaza ukuqhubela abaqhubi abahambelana nemimiselo baze baqhube ngaphandle kweengozi. Bafumana izaphulelo xa bebhalisa umgaqo-nkqubo. Kunyaka ngamnye wokuqhuba ngaphandle kweengozi, umlinganiselo womqhubi uncitshisiwe, ngenxa yokuba umgaqo-nkqubo kufuneka uhlawule ngaphantsi.
Ngaphambili, yabelwa kwimoto ethile, kwaye xa kuthengiswa, isaphulelo salahleka. Nangona kunjalo, ngowama-2008, iinguqu zamkelwa, ngokubhekiselele kuyo i-MSC eyona mqhubi ngokwakhe, kungakhathaliseki ukuba isithuthi sini. Isaphulelo siyagcinwa nakwimeko apho umqhubi ethatha isigqibo sokuncediswa enye inkampani yomshuwalense.

Nangona kunjalo, iyancitshiswa okanye iyanqunyulwa ngokupheleleyo kwaye ingena embi, ukuba emva kwengozi umqhubi usebenza ukuhlawula. Ixabiso lokunciphisa lixhomekeke kwiklasi eyabelwe umqhubi phambi kweengozi.

Ngokuqhelekileyo kulula ngakumbi kwaye kunenzuzo yokulungisa ingozi encinane kwangoko ngaphandle kokubiza abasebenzi be-DPS. Ngoko ke, ke, iindleko zomgaqo-nkqubo wecala lomngcipheko awuyi kunyuka.

Indlela yokufumana i-MIS yakho ye-OSAGO

Ukuba umqhubi ufuna ukwazi ukuba yiyiphi i-MBM yakhe kunye nendlela iguquka ngayo, kufuneka usebenzise itafile ekhethekileyo. Ngokubanzi, ngonyaka wokuqala unikezwa iklasi yesithathu, elingana neKKM eyodwa.

Ukuba kulo nyaka ingozi apho yayingenakucala khona, ngoko ngonyaka ozayo ufumana iklasi yesine, kwaye i-MSC iya kwehla ngo-5%. Kodwa ukuba kwenzeka ingozi, iklasi iya kuba yowesibili, kwaye i-KBM iya kwanda ukuya kuma-1.4, oko kukuthi, indleko zomgaqo-nkqubo iya kunyuka ngama-40%.

Ndiyabulela ukuqhuba ngaphandle kweengozi, isaphulelo esingu-5% siya kunikezelwa ngamnye unyaka de ibe ifike kuma-50%.

Itheyibhile ye-TPL yemoto

I-coefficient iqululwe ngokulula ngetafile ekhethekileyo, edibeneyo kuyo yonke i-SCs. Kuba oku kukwanele ukwazi iklasi yomqhubi.

Thatha umzekelo weklasi yesithathu. Kulo kwikholam elandelayo sibona iyunithi. Le yiKKM. Ngonyaka ozayo umqhubi ufumana iklasi yesine, ehambelana nomlinganiselo we-0.95. Ngoko ibukeka kwaye iqhubeka. Ezinye iikholamu zibonisa ukuba yeyiphi iklasi eya kubelwa xa kwenzeka ingozi.

Ukuzibala

Enye indlela yokufumana i-MIS yakho ye-OSAGO yiyo yokubala. Cinga ngomzekelo kunye nomqhubi omnye ohlala kuqala emva kwesondo. Ukuba akafumani engozi kwiminyaka emithathu, ngoko ke ngomnyaka wesine wokuqhuba isaphulelo sakhe kuya kuba ngu-15%. Nangona kunjalo, kwimeko yengozi, i-culprit iya kuba, iklasi yakhe ayisayi kuba ngowesi-7, ehambelana ne-15% ye-discount, kodwa isine kuphela.

Ukuba itafile isondele, kulula ukubona. Kodwa ngaphandle kwayo, kunokwenzeka ukubala i-MSC.

I-KMB ye-inshurensi kunye nabaqhubi abambalwa

Ungayifumana njani i-MIS yakho ye-OSAGO ukuba abantu abaninzi bayavunyelwa ukuqhuba imoto? Kulula kakhulu. I-coefficient enexabiso elikhulu kunazo zonke isetyenzisiweyo. Umzekelo, omnye umqhubi we-MBM - 35%, kunye nezinye - kuphela 15%. Emva koko ixabiso liya kubalwa ngokusekelwe kwisaphulelo se-15%.

Ukuba omnye wabaqhubi uyangena engozini, umntu olahlayo uya kuba, kunye nomnye uhamba unyaka ngaphandle kwesiganeko, ngoko iMSC iyakhula kuphela nomqhubi - umgwenxa wengozi. Omnye uya kufumana isaphulelo se-5%.

Indlela yokufumana i-MISP OSAGO ngesiseko se-SAR

I-RSA, okanye i-Russian Union ye-Auto Insurers yintlangano-yoluntu. Umanyano unceda abanini bemoto kwiimeko ezininzi. Inendima ebalulekileyo inikwe ukwazisa abaqhubi. Ngoko, kwisayithi esemthethweni kukho ulwazi oluninzi olunomdla kwaye luzuze.
I-RSA igcina isiseko esisodwa kwi-MSC. Ukuphuma kuye, unokufumana lula i-MIS yakho ngu-OSAGO kwi-SAR.

Le ngcaciso ifumaneka kuzo zombini zombutho kunye nabantu ngabanye. Kubantu ngabanye kwanele ukufaka ilayisenisi yabo yokuqhuba. Kwaye ukuba i-OSAGO ikhishwe ngaphandle kokuthintela uluhlu lwabaqhubi, kuya kufuna kwakhona ipasipoti yomnini wemoto kunye ne-PTS.

Umba ufana neK KBM. Akunzima kumaziko omthetho ukujonga i-CMTP ye-OSAGO ngesiseko se-SAR. Ukwenza oku, faka nje i-ID yerhafu yenkampani kunye namaxwebhu afanelekileyo kwimoto.

Ngaba kunokwenzeka ukulungisa idatha kwi-database ye-RSA kwi-MSC?

Ukujonga i-CMV ye-OSAGO ngesiseko se-SAR, ukuba kuthe kwenzeka. Kodwa kukho enye ingxaki. Kwenzeka ukuba kwisayithi inkqubo efana ne coefficient, engeyinyani. Umzekelo, umnini-mgaqo-nkqubo ufumana i-MBM elinganayo, ngelixa ehamba kwimoto yakhe ngaphandle kokuphazamiseka iminyaka emininzi.
Izizathu zokuba le nto yenzeka ingaba ngale ndlela.

Ukuba ilayisenisi yomqhubi yatshintshwa, i-data ayinakulungiswa, kodwa loo maxwebhu asekudala ayishiywe. Ukufezekiswa kolwazi oluchanekileyo lweenkcukacha, kufuneka ubhale umbuzo malunga nale PCA kunye neikopi zeziqinisekiso ezintsha nezindala. Kwenzeka ukuba kukho impazamo xa ufaka idatha.

Oku kungafumaneka nangona igama lomqhubi livela kwimigaqo emininzi ngexesha elilodwa. Ngokomzekelo, u-Ivanov, oneminyaka eyi-11 kunye nokushayela emotweni yakhe, uvumelekile ukuba aqhube imoto yakhe. Kwaye i-coefficient yokugqibela i-0.95 kuphela, ehambelana neklasi ye-4. Ngaloo ndlela, xa idatha idluliselwa, i-coefficient yayo iya kuboniswa njenge-0.95.

Kwaye esinye esinye isizathu, xa i-MSC yabaqhubi ngesiseko se-AIS SAR ye-OSAGO ingabonakali kwi-database, yintlawulo yase-UK.

Indlela yokugcina isaphulelo

Ngoko, indlela yokufumana i-MIS yakho yi-OSAGO kwisayithi ye-SAR, sifunde. Masithi ukuba izibalo zakho azihambelani namanani akwiziko. Ungathini kulo mzekelo?

Kwi-SAR, kufuneka ubhale ibango lokuba ixabiso langoku le-coefficient lihlukile kuneziko, kwaye ukuphikisana nale ngcaciso. Iikopi zekhonkco ezinamaphepha kunye neziqinisekiso ezivela e-UK ukuba inani elithile leminyaka ukuhamba kwakhe kwakungekho ngengozi.

Ukuba kukho impazamo, umgaqo-nkqubo, ogqityiweyo, akufanele ulahlwe. Emva koko, ulwazi oluhambelanayo nenyaniso luboniswa apho. Akukho ndawo ekuboniseni nantoni na kwi -inshente yomshuwalense okanye ukwenza umnxeba. Kungcono ukufaka isicelo ngokukhawuleza kwi-ofisi ephambili yenkampani ngokubhala isikhalazo esifanelekileyo. Xa usithumela isikhalazo, gcina i-risithi, eya kuba ngumqinisekiso wokuhlawula.

Yaye ukuba unquma ukuthabatha inkcazo kwinkampani kumntu, yenze iikopi ezimbini, ngokokuba enye yazo ubeka inqaku ekuwamkelekeni.
Ukuba kungakapheli iiveki ezimbini kungekho amaxwebhu okanye ukubuyiselwa imali, unokusebenza ngokukhuselekileyo kwigunya eliphezulu kwaye ufune ubulungisa.
Ngaloo ndlela, umbuzo "indlela yokufumana iMIS yabo ye-OSAGO kwi-SAR?" Akubalulekanga kuphela ngenxa yokufuna ukwazi, kodwa ukuze uqiniseke ukuba ukubalwa komgaqo-nkqubo olandelayo kuya kuchaneka.