Dzokera CTP kana kutengesa motokari: application magwaro

Kuwedzera Mari CTP rinokurudzira varidzi kutengesa motokari, kumudzorera tsva chikamu inishuwarenzi. Aval mibvunzo inowira kushandiswa forum uye renhoroondo Websites ose insurers. Recent nyongoroka kutaura nezvenyaya iyi uye kunyange zvakawanda vasingadi kupa zano. Dzokera CTP ari kutengeswa mumotokari, Chokwadi, zvichiita, asi pane vakawanda zvinhu izvo zviite abvume pakuvhiya.

Standards uye mitemo

Kuzodzoka CTP ari kutengeswa mumotokari kunofanira kutungamirirwa zvinotevera magwaro:

• FL, yomusi 25.04.02, sezvo Akave nokuvandudza ne 05,2016 "On rokumanikidzirwa inishuwarenzi yevagari kuita motokari varidzi" (Article 10);
• Rokumanikidzirwa mitemo kugadzirwa Central Bank of Russian Federation uye mutemo Bank Russia (№ 431).

Uye zvishoma zvisingashanduki chokwadi:

• Pamusoro kuvandudzwa kubva motokari kubva muridzi mutsva une mazuva chete gumi.
• Mutengesi TC vanosungirwa kuzivisa insurer ari kutengesa akakwana chibvumirano.
• Mirayiro pamusoro rokumanikidzirwa gwenya TPL inishuwarenzi (ndima 1.9) notifies vatengi makambani inishuwarenzi kuti yekupindurwa motokari kana insurer haisi inopiwa muna CTP. Ndiko, pasi apa ezvinhu, chibvumirano inishuwarenzi haizorambi chiito chepamutemo. Uye ichi ndicho chinoita kuti dzosera pamusoro CTP pane imwe motokari kutengeswa.
• Inishuwarenzi mari, pasinei kana kwete vakanga panyaya kugumiswa kondirakiti haangavi kuverenga.
• Documents achisimbisa yekupindurwa muridzi motokari, kusvikira mharidzo yacho insurer zvinodiwa.
• The chibvumirano, iro raiva rokutakura motokari kunzvimbo kunyoresa, imi hamugoni kukanzura.
• Unogona kugumisa chibvumirano chete kana akagumisa kuti gore.

kutanga

Rokumanikidzirwa Dzokai kutengeswa motokari kana paine chikonzero chakanaka yakasimbiswa mitemo CTP, ndima 33.

Dzokera unspent kuwanda inishuwarenzi UK riri disadvantageous chaizvo. Naizvozvo, nyanzvi dzinokurudzira kuti kutsvaka kubatsirwa magweta. The nzira kunoda vamwe vanochengeta magwaro. Mumwe wavo - mashoko. Anonyora chiso chake, unopinda chibvumirano ne kambani yeinishuwarenzi. Chikumbiro fomu haisi muenzaniso wakasimba. Naizvozvo, kambani inishuwarenzi ose anopa ayo dzakabudirira chimiro. Asi, kazhinji, nokuti dzosera CTP apo kutengesa motokari ine mashoko anotevera: pasipoti Data of insured, ari mashoko pamusoro motokari insured, chibvumirano inishuwarenzi nhamba. A zvikuru ndezvokuti rairatidza chikonzero kugumiswa inishuwarenzi. Mamwe mashoko zvichava zvakakodzera kuchinjwa mari (bhangi zita, BIC, mberi, dzomupepanhau uye iyezvino nhoroondo uye zvichingodaro.).

The muviri unosanganisira chikumbiro kukumbira kugumiswa chesungano pakati inishuwarenzi nokuda kutengeswa motokari, uye somugumisiro, kuchinja muridzi. Uyezve, petitioner anofanira kutaridzwa inopfupikisa vaviri vasina nguva kushandisa, uye izvo zvakanyorwa dziri premiums. It rinopera mashoko kukumbira dzosera nokuda pamusoro mashoko.

Mumwe Chikumbiro inofanira vakanyorwa sechinhu kuuya gwaro. Avtoyuristy akataura kuti ape kopi yapera chikumbiro chimiro, pamwe nesipereti kuuya nhamba uye musi rubvumo. Unogona kushandisa munhu, uye zvinogona vakanyorwa tsamba kuburikidza pambiru Russia. Muchiitiko chino, unofanira kukumbira kudzoka chionekeso uye kuita zvakawanda uwandu pakati akanyudzwa magwaro. The nzira yechipiri kunonyanya kubatsira kana magwaro havasi kugamuchira muhofisi.

Kana chikumbiro haatori

Zviitiko kukundikana okutambirwa kushanda uye pasuru magwaro kuti dzosera rweinishuwarenzi. Mamaneja tuma vatengi kuhofisi nomusoro vari mhando kwakafanana, hadzina simba kuzviita. Ichi hachisi chokwadi. Kugumiswa chibvumirano - ndiwo mumwe nyore nzira, ichazovapo chero raida kambani yacho inishuwarenzi. Kana zviri romunharaunda, mwana kana mumwe.

Documents nokuti CTP kudzokera apo vachitengesa motokari

Vari conventionally muzvikamu zviviri. Mumwe wavo - inokosha, hunodiwa kambani inishuwarenzi upi, pasinei nechikonzero kugumiswa kondirakiti. Yechipiri inoratidza uye zvinoratidza kuti zvinodiwa kudzoka CTP kana kutengesa motokari.

Nechepasi mugove kunosanganisira magwaro anotevera:

• chokutanga uye notarized kopi pasipoti yacho nemhosva, tongai chibvumirano;
• simbiso zvichawanikwa kuvharwa (chete yepakutanga, zviri zvinodiwa kusiya kopi pacharo, iro kungadiwa nokuda zvekufamba);
• chionekeso kana yemagetsi gwaro chinosimbisa kubhadhara CTP;
• mubhengi mashoko uye nyaya ine dzosera (nhanho vane mari kubvumirwa) vachaparadzwa akabudiswa.

The mazita magwaro achisimbisa kutengeswa motokari, anogona kuwanikwa dzakawanda kambani yacho inishuwarenzi. Asi kazhinji zviri:

• Help-Nhoroondo (kana paine sero muitiro);
• Title ane nhoroondo kwokuchinja tenzi uye vakanyorwa chibvumirano waakazvitengesa.

Musi kudzoka inishuwarenzi dzinonyanya kukoshesa MTPL motokari rokutengesa ichakurukurwa musi pasi magwaro.

Achitaura TCP. Anodei yaro yepakutanga kana kopi IC maneja haana kodzero. Mitemo, kutengeswa motokari kunosimbiswazve nemashoko chibvumirano waakazvitengesa.

mazwi

Dzokera MTPL inishuwarenzi pamusoro kutengeswa motokari anotora mashoma mabhizimisi mazuva. kambani imwe neimwe inounza ruzivo urwu yeGmail.END_STRONG panoperera negashiro magwaro.

Asi muUK mutengi vanofanira kuziva kuti chero nzira kuitwa kambani inishuwarenzi imwe kunogona haapfuuri mazuva 14. wokuyera ichi akanyorwa mundima 34th CTP Regulation. Zvikasadaro, ivo marangirwo zvavakatemerwa ne UK, uye dzosera mari achapiwa yakawedzera rakavapa Zvirango. Kana boka inishuwarenzi rinononotsa mutongo wayo, kuti nemhosva anogona pasi zvokunyorwa kuna Central Bank of Russian Federation (mu munhu kana nomukombiyuta websites) muna Motor Insurers Union kana aine vanoti dare (panzvimbo vakanyorwa kuhofisi SC). Dare iri chaizvo kunonoka kufunga Pakadaro, saka avtoyuristy reverero kutanga Central Bank.

Mune zvisingawanzoitiki zviitiko, SC anogona kuramba dzosera pamusoro CTP pane imwe motokari kutengeswa. Izvi zvinogona kukanganisa zvinoverengeka chaiwo ezvinhu.

Motokari varidzi, akakurumidza nokukurumidza kuvatengesera, vanofanira kunzwisisa kuti kana ukadzokera nguva kuripwa muridzi yachinja, ipapo mari achaidya kare. Avtoyuristy vanokurudzira zvakasimba kuti iwe tanga kugadzirisa nyaya dzose kambani yacho inishuwarenzi, uye ipapo tongai motokari kuti muridzi itsva.

Asi mutemo uyu wakapiwa mazuva chete gumi. Pane chikonzero ose kwete kubata, saka, ruzivo vatyairi vari zano kutora zvitsva muridzi ane risiti kudzoka muripo nokuda CTP, uye kupinda mutemo anoenderana nayo.

Return hauna chete pamusoro policyholder

Get dzasara chitsama kukosha mutemo, kuti insurer angabvuma Kuwedzera:

• insured mugari wenhaka kuzivikanwa pedyo gweta;
• mumiriri yepamutemo pamusoro insurer;
• mumiririri wepamutemo muridzi;
• mugari wenhaka muridzi motokari, ane kuzivikanwa gweta.

Representatives anodiwa kushandisa kuti kudzoka CTP chipo vakawanda simba gweta. Uye panofanira kuva pfungwa stipulating mukana usapinde kwema.

The yemaitiro nokuti pakuverenga uwandu mutsividzo

PaIndaneti pane nzvimbo dzakawanda kuti ape nokukurumidza kukarukureta pakati achikanganisa tsva CTP. Asi iwe unogona kuzviita manually. Pane pamutemo payakavakirwa.

Zvinoita seizvi:

D = (P - 23%) X (H ː 12), sezvamakaropafadzwa:

• 23% - inoenzanirana mureza UK (rinoreva zvimwe zvaidiwa insurer);
• N - nhamba izere mwedzi kuguma chibvumirano inishuwarenzi pamberi;
• P - azere mari mutemo;
• D - chitsama dzosera.

Kufarira rate takatsunga ne chirevo Central Bank of Russian Federation. Ivo ndeinotevera.

ari insurer wacho mari vanoumba 3% zvipo kuna SAR. For chii? mari iri hwakatamisirwa kuchengeterwa nyaya umo muripo iri akabhadhara. Uyezve, 2% - kuitika kuchengeterwa, uye mumwe - unovimbisa.

20% vari boka. Vanoenda pamusoro achimhanya mari uye dzigadziridzwe yeGmail.END_STRONG nyaya. Izvi zvinosanganisira insured basa, kwerunyararo inishuwarenzi, ayo gadzira, kushandisa dzakasiyana, mushandi mari, anogadzira zvinyorwa nezvakadaro.

Ndizvo hwaro dzemaitirwe ndivo vasara 77%.

Musi bhuku iri musi kuparadzirwa insured muhofisi kambani. The yakanaka iri kuonekwa musi nokusaina kuritenga kondirakiti.

Avtoyuristy Board tentatively kuchengeta akazvimiririra Masvomhu, saka kuti kana kubiridzira kuburikidza kambani yacho inishuwarenzi kunokumbira.

A duku digression

Zviri pamutemo nzvimbo kuti kutsunga avo kupfuura 23%. Somuenzaniso, kudzoka musi kutengeswa MTPL motokari "Rosgosstrakh" rinobvuma kuti pane "yakawiriranwa chibvumirano" vemapato. Chero zvazvingava, mamiriro acho ezvinhu huta. Zvino anenge 20% kuenda zvinoitwa basa insurer. Kana chibvumirano inishuwarenzi hauna wakagumiswa mangwanani, kubva kambani inishuwarenzi anotora pauwandu hweavo izvi? Tapedza vose vakadarovo? Kureva, hazvina pachena chikonzero pakupomera kufarira pamusoro mangwanani kugumiswa. The mubvunzo ichimuremera mudenga. Kana yakawanda zvake Masvomhu, zvine musoro, anotungamirirwa Article 958 of Civil Code uye ndima 34 Mitemo CTP, kugadzirisa kudare redzimhosva uye vanoda kuti adzikunure mari inobhadharwa mutemo pasina kufungisisa 20% inofanira kubhadharwa.

Oddly zvakakwana, dzakawanda izvi anoti vakatsunga nedare iri zvakanaka, sezvo (ona pamusoro) murayiro haripi nhungamiro yakajeka pamusoro chengetedzo makambani inishuwarenzi 23%.

Unofanira kubhadhara hurumende kubhadhara. Asi kuita kunze chikumbiro kuti dzosera MTPL mutemo pamusoro kutengeswa motokari, inofanira kupedzwa uye kuunganidzwa ane kunyoresa kubhadhara.

"Ingosstrakh" inopa zano raro

Vatengi uyo insured gwenya kuita mu UK "Ingosstrakh", tanga yakashuma pamusoro ake nevavariro pafoni. maneja anojekesa mamiriro ezvinhu uye kupa mazano, kusanganisira pamusoro pasuru magwaro anodiwa kugumiswa. Kamwe vakagadzirira kuti insurer anouya kuhofisi pedyo, anozadza mune fomu racho, iyo inorondedzera chikonzero kugumiswa uye kutaura mashoko nokuda dzosera pakati mari mutemo.

Kana akaramba, nei?

Kazhinji, izvi ndizvo ichangobva pakurapa CTP kudzoka kukarukureta kana kutengesa motokari. Kana musi kutenga motokari kwave mazuva anopfuura 60, kambani yacho inishuwarenzi anekodzero kuramba. Pano tinofanira kucherechedza kuti insurer haangavi kuitisa kukarukureta kubva musi kutengeswa motokari, uye pashure musi boka kuti ape mutemo.

Uyewo, kambani yacho inishuwarenzi anoramba kubhadhara kana waakazvitengesa motokari ari mukuru simba gweta. Nokuti zviri pamutemo muridzi motokari inoramba zvakafanana.

dzinonakidza nuances

Mamwe makambani inishuwarenzi kupa kuti uchatamisa nengaidzo itsva MTPL itsika. mubvunzo uyu ane kodzero yokusarudza kuti nemhosva.

Ndinofanira bhonasi?

Asi chero zvakadaro, magweta teerera vatyairi zvakadaro zvakakurumbira sezvo MSC. reshiyo ichi bhonasi-Malus, vaibhadharisawo vakachengeteka kutyaira. Izvi kunoitika chete pakupera kwegore inishuwarenzi. Uye, sezvo munoziva, MSC ndechokuti, zvikuru dhisikaundi ari kumirira insured kana kutenga mutemo mutsva.

Zvisinei, kana kuti mangwanani kugumiswa ari CTP chibvumirano, nokuti chero chikonzero, kuti coefficient ari bhonasi-Malus hachiverengerwi. Naizvozvo, zvinokosha kufunga. Zvichida, kana kuguma mutemo asati inoramba mwedzi miviri kana mitatu, zvino zviri nani kuchengeta chibvumirano kushanda uye zvipe (pasina mhosva mumugwagwa) a dhisikaundi muchimiro yakawedzera KBM.

Ndinogona kuchengetedza mari?

Rokumanikidzirwa Return inishuwarenzi kana kutengesa motokari usingagoni kuuraya (apo kuramba 23% earmarked SC). Kana paine chivimbo mutengi, kuti CTP nyore reissued, uye inishuwarenzi anodzoka tsva muridzi itsva. Nekuti iri rakanyorwa chibvumirano pakati vakwegura uye muridzi matsva kudzoka imwe mari. Zvinonzi vanopupurirwa pedyo gweta. Unogona kuenda kune imwe nzira uye kugadzirisa kutanga muridzi itsva magetsi kuita inishuwarenzi mitemo mudziyo sechinhu yoga chinhu ari chibvumirano waakazvitengesa. Mutengi muchiitiko ichi, akanyora mashoko ari zvaakanga anokumbira kuti rive chesamende nehurumende.

Uye nenzira, iyo insurer haana kodzero kumanikidza mamwe yaanobhadhara kana vachibhadhara vave akasarudzwa pasi mutemo chiitiko inishuwarenzi.

Uye pakupedzisira,

The Russian Union Auto Insurers anonyevera motokari varidzi, kutengesa kwavo. It anozivikanwa kare nyaya dzokudarika, itsva motokari varidzi vanokwanisa kudzoka tsva inishuwarenzi (inobhadharwa yapfuura insurer) pacharo. Saka kudhonza pamwe nyaya dzemapepa muna UK haagoni kuva!