Dzaifanoiswa CTP: mutemo nokuda dzaifanoiswa nhamba

Nhasi mumigwagwa munyika yedu pane vatyairi vakawanda nguva dzose kungwarira. Kana kutenga motokari iri injini zvinoratidza mumwe mutyairi vanosungirwa ngaateme inishuwarenzi itsika. Izvi zvinogona kuitwa zvakananga pamusoro nzvimbo, izvo zviri nyore chaizvo nokuti hazvidi kupedza nguva kutsvaka yakavimbika insurer.

Mazuva ano, pane zvirongwa inishuwarenzi wandei, rimwe riri kupfuura nemunyika inishuwarenzi CTP. Zviri fanira kuti vatyairi vose uye harisi chete mureza akagadzirwa njodzi, asiwo muripo upi kukuvadza achaita mutyairi kune vamwe vanoshandisa mugwagwa, munofamba nevanhu kana pati yechitatu. Pasina mutemo uyu, iwe kwete chete kukwanisa kuwana muripo pakuparwa raparadza mutsaona, asiwo kutengesa motokari kana zvakakodzera.

Vhuṱanzi

Dzaifanoiswa MTPL mitemo, mukusiyana kune zvatinosiita inishuwarenzi ane zvishoma ukoshi. Kuva ichi mhando inishuwarenzi, unogona zvakachengeteka mberi motokari yako haisi mazuva anopfuura 20. Panoperera iyi, inishuwarenzi anofanira kuwedzera kana kutsiviwa.

Kana kutenga kana kutengesa muridzi motokari vanosungirwa kupfeka kana ngaabvise mazita uye kutenga imwe inishuwarenzi itsika. Saka, pasi mitemo ano, kana motokari chakatengwa kanenge mazuva mashanu apfuura, hurukuro yacho inishuwarenzi haisi fanira motokari mapurisa. Mune zvimwe zviitiko zvose mutyairi vanosungirwa kuva mutemo uye tichiriratidza varindi Unorudzi pamusoro chikumbiro.

CTP (dzaifanoiswa) pamusoro mudhudhudhu anoitwa saizvozvo sezvo mumotokari, uye kunoda muridzi wemotokari kwekanguva Kuwanikwa makamuri. Pashure kugara nhamba tinogamuchirwa, inishuwarenzi dzaifanoiswa anofanira misa.

Kana unofanira kugadzira chinhu inishuwarenzi urongwa?

Nhamba dzinoratidza kuti varidzi mota itsva muna 70 muzana nyaya dzinobatanidzwa mugwagwa tsaona dzemotokari muvhiki dzokutanga pashure kutengwa. Saka kana ukasarudza kuti muchina mutsva, Zvinokurudzirwa kuti pakarepo inishuwarenzi. Dzaifanoiswa CTP zvinofanira rakapa panguva kutenga muchina, mushure kusaina pamusoro rwokutenga / kutengeswa kondirakiti. Izvi inotodiwa nokuti pasina inishuwarenzi havagoni kunyora motokari iri motokari mapurisa, asi pasina izvozvo kutyaira imhosva uye rinobatanidza zvakakodzera kurohwa. Kana kutengesa motokari, mitemo yakafanana, saka kunyoresa kuri fanira MTPL.

Kubva chii Ngozi insures CTP?

Dzaifanoiswa CTP kunosanganisira kuripwa muripo wemari kuti vawirwa kana petsaona, izvo zvakakanganisa zvinhu, utano kana upenyu. Pakarepo zvinofanira kucherechedzwa kuti havasi zviitiko zvose kuwira muchikwata che inishuwarenzi, saka muripo iri kubhadharwa maererano kwete nguva dzose.

muridzi dzaifanoiswa inishuwarenzi vangatarisira kuti ndanyarara hangu zvinotevera nyaya:

• kana munhu chime akanga akakoromora, somugumisiro iye akakuvara kana akafa;
• Motokari payakarovera;
• Iye atambura kukuvadza upenyu kana utano mumwe mutyairi kana vanhu;
• kukanganisa zvomumwe.

Dzaifanoiswa CTP hakudi kuripwa muripo wemari zvinotevera nyaya:

• yakapera rokuti mutemo;
• mugwagwa vanozvishandisa, munofamba nevanhu kana akagamuchira non-pecuniary chete zvakakanganisika, kwete panyama;
• zvakakanganisika rwaiwanikwa somugumisiro kubatanidzwa vemarudzi kana padheshibhodhi pamwe motokari chokurovedza;
• kukuvara kwakakonzerwa kwete motokari, uye kutakurwa navo vapinze.

Kuwedzera Muzviitiko izvi, kuripwa muripo hazvigoni kuitwa chero dzimwe ngozi raanotaura kondirakiti. Naizvozvo, kuti varege kupinda mudambudziko, tinoratidza vanyatsohuongorora kudzidza mamiriro ezvinhu dzaifanoiswa inishuwarenzi itsika pa kunyoresa.

Mamwe muripo

Dzaifanoiswa CTP rinewo kukuvadza kuti mushandirwi, kana kukuvadzwa utano kana upenyu hwake pasi zvinotevera nyaya:

• kusatikuvadza panguva vachizvitakudza uye vachidzikisa;
• mushandi vakagamuchira kukuvara utano kubva turera kana mumwe midziyo kuiswa mune motokari;
• zvakakanganisika kunokonzerwa nenjodzi dzinongoitika dzoga kana kuti mamwe mamiriro ezvinhu, kwete zvichienderana munhu.

Kana chitsama zvaparadzwa akapfuudza anokarirwa kubhadhara inishuwarenzi, ipapo kukuvara vanosungirwa kubhadhara chaikonzera tsaona.

How yakawanda kutenga dzaifanoiswa inishuwarenzi urongwa?

mutyairi mumwe anotenga motokari itsva, vanofarira mutengo inishuwarenzi dzaifanoiswa MTPL. MuRussia, mutengo mabasa inishuwarenzi vari nokudzorwa mamiriro, saka mureza nomutemo kunodyira saizvozvo vatyairi vose. Zvisinei, chokupedzisira mari uchava kubhadhara muridzi motokari zvingasiyana yekudyidzana nomumwe nyaya imwe neimwe. Kana pakuverenga mari inishuwarenzi dzaifanoiswa vari kufungwa zvinhu zvinotevera:

• vanokwanisa simba chikwata;
• munharaunda nyika;
• uchityaira ruzivo;
• munguva iyo mutyairi haana kuwana mutsaona;
• vanhu raanotaura chibvumirano;
• seasonality.

Chinonyanya zvinodhura zvinoita kuti chokuita mari dzaifanoiswa MTPL, gwenya simba uye mhando motokari. Uyewo, nehanya kupiwa kune chaiwo chinhu anoisa hurumende. Kana kunonyanyisa injini simba hakuiti kupfuudza 50 horsepower, reshiyo uyu 0,7, mune zvimwe zviitiko zvose, nhamba - 1. Mukuwedzera, saizi chinhu uyewo inokanganisa vanhu muguta kana musha.

A yechipiri, asi hapana zvishoma chinokosha ndiko mwaka iyo chichaitwa kugadzira motokari. Muzhizha dzaifanoiswa inishuwarenzi mutemo kuchaita mari zvinooneka isingadhuri kupfuura chando, nekuti kwoushamwari mwaka mamiriro mumugwagwa iri nani zvikuru, saka motokari njodzi shoma chaizvo.

Kana mukati gore rimwe kumbobvira dzaifanoiswa CTP rakashandiswa, "Rosgosstrakh" kuzvitenga muridzi wemotokari muripo wemari mu uwandu shanu muzana zvachose mari mutemo.

Kuita inishuwarenzi pamusoro paIndaneti

Nokuda huru basa uye zvokusagona mutinhimira upenyu ano havasi vatyairi vose vane mukana kupedza nguva yakawanda ari pamasikiro inishuwarenzi itsika. Naizvozvo, makambani akawanda kupa vatengi vavo mukana ngaaverenge mari inishuwarenzi ari paIndaneti nzira. Zviri nyore chaizvo, sezvo chirongwa pamusoro insurer uchava chete kuziva chaiyo inofanira kubhadharwa kana iwe kuti itsika. Pakuverenga simba hadzisisina kufungwa simba uye uchityaira ruzivo, ivo coefficients ayo kane anokosha muripo uye inishuwarenzi chinhu wakaiswa mamiriro.

Kana pakuverenga mutyairi vachafanira zadza yakakodzera paIndaneti chimiro pamusoro Website yekambani inishuwarenzi uye zvinopa zvakafanira zvose mashoko ari. Yose muitiro anotora zvishoma pane maminitsi mashanu. Uyezve, kana uine mibvunzo ipi yokuwedzera, makambani akawanda kupa vatengi vavo mukana kukumbira runhare shure.

Kuita MTPL Gwaro Indaneti: zvinyorwa

Dzaifanoiswa CTP muNovosibirsk Somuenzaniso, unogona kuurayiwa kwete chete pabasa raida kambani yacho inishuwarenzi, asiwo paIndaneti. Nyaya iyi yave yakatanga makore mashoma apfuura uye nhasi Anova kurayira rinoshamisa. Kuti aite izvi unofanira kuzadza fomu kupa vashandi pamwe kambani yeinishuwarenzi tarisa makopi zvinotevera magwaro:

• pasipoti;
• zvekushandisa pasipoti mumotokari;
• chitupa chokutyaira;
• chekiapu kadhi;
• 4, mashoko ari fomu.

Pashure achizadza yose yeminda uye tarisa chakakoshera mashoko iwe akapinda, unogona kutumira chikumbiro kuti nyaya inishuwarenzi.

Chikumbiro rinonyoreswa, chii chinotevera?

Kamwe wapedza paIndaneti chimiro uye anopa vashandi pamwe kambani yacho inishuwarenzi waida magwaro ose, chikumbiro chako chichange akatuma kugadzira. Apo vose pamutemo chokungoitawo yokunyoresa CTP dzaifanoiswa nhamba achaparadzwa arongwe panze, iwe magwaro inotevera akatumirwa:

• urongwa;
• mubhadharo pitikoti;
• inishuwarenzi chibvumirano yacho;
• contactsGoogle pakati vamiririri insurer;
• varara siyana kuti uzadzwe ari chiitiko petsaona.

zvinyorwa zvose izvi zvinofanira nguva dzose kutakura navo, saka zviri nani kuti akaisa motokari gurovhisi mupanda.

Kugadzira Pepa inishuwarenzi gwara paIndaneti: Walkthrough

Nhasi, kuti kubhadhara siyana uye vatenge, uyewo kuti kubva inishuwarenzi kuburikidza neindaneti. Izvi zvinoda:

1. Register iri pamutemo Website wekambani yacho inishuwarenzi.
2. Muzadzise fomu.
3. Shongai chibvumirano zvemagetsi siginicha.
4. Mirira kudaidzwa vashandi kuti kambani yacho inishuwarenzi tendero ose ezvinhu.
5. Kubhadhara ive inishuwarenzi.
6. Send insurer that tarisa makopi chionekeso.

Kuita inishuwarenzi paIndaneti - zviri zvakasimba kwazvo, nyore uye yakakodzera.

Ndingawana kupi kutenga dzaifanoiswa MTPL urongwa?

Rongai inishuwarenzi dzaifanoiswa kuti motokari yako kunogona kuva kambani ipi kuti inopa rubatsiro zvakafanana uye ane rezinesi. Kuwedzera, kureva motokari zvakananga motokari unoratidzei, izvo achaponesa iwe yakawanda nemusoro uye anovaponesa nguva yakawanda.

Kana uri kubatikana kana kushanda kusviba, nyaya ungava dzaifanoiswa wokuti vamiririri inishuwarenzi, asi muchiitiko chino zvakafanira kuti kunyatsongwarira, nokuti havasi vose dzakavanzika makambani kushanda vakatendeseka uye zvizere zvaidiwa nomutemo zvinoshanda.

mhedziso

inishuwarenzi dzaifanoiswa - iri fanira nzira iyo inofanira kupfuura chero mutyairi kana kutenga motokari itsva. Zvisinei, kukosha nokuti kunokonzerwa kwete chete nokuda zvinodiwa nomurayiro, asi uzvidzivirire pachako. Pashure pezvose, zvisinei uchityaira ruzivo, hapana yakachengeteka kubva tsaona, kunyanya pamusoro muchina mutsva, izvo zvichiri kuda kujaira. Naizvozvo, muchizvitengera yeinishuwarenzi gwara, unogona kuva nechokwadi chokuti insured pamusoro kutomboda kuti zvingaitika mumugwagwa.

Asi kuti sezvo zvingaita, chero mumamiriro ezvinhu, edza kungwarira zvikuru, nekuti utano haagoni kudzokera kuti chero mari.