The coefficients pamusoro CTP. Coefficient ndima CTP. CTP ne nharaunda coefficient

Musi waApril 1, 2015 remunharaunda avtograzhdanki coefficients vakanga akatanga muna Russia, uye pashure mumwe mavhiki maviri - dzakachinjwa chawo. Mari vakaita yakawedzera 40%. How vatyairi vazhinji zvino kubhadhara MTPL urongwa?

zvemitemo kuchinja

Currency kuderedza, kuwedzera muganhu kubhadhara kuti dzisanyanya maturo autocitizen chidimbu ari pamusika inishuwarenzi - zvose izvi zvinhu zvakaita kuti kuwedzera tariffs, uye kuwedzera mukoridho kubhadhara muna 2015.

Coefficient ndima CTP yakawedzera kumatunhu 11 Russia uye imwe chete nhamba ipfupi. Kunonyanyisa kukura dziine 25% akapa Chuvashia, Voronezh, kuKurgan kumatunhu. In Magadansky nzvimbo prices achapiwa kuderedzwa 41%. In Dagestan, Kine, Ingushetia, muBosnia, muChechnya uye Leningrad nharaunda kubudikidza mudunhu CTP coefficient kunoderedza.

Masvomhu vaiva MSU nyanzvi. Maererano mashoko akapiwa, mune dzimwe nzvimbo zvakanga zvakakodzera kuwedzera yokufamba pachena chokufambisa modes anopfuura 400%. The chaiyo nokuchinja kwakanga 100%. Yakakwana mutero kuwedzera musika akanga akamirira kwemakore mashoma. The PCA vanodavira kuti ikozvino achaita kuvandudza kudzivirira uye BALANCInG kuti zvido.

Mukuwedzera, gadziriro itsva mvumo nokukurumidza mubhadharo nokuti chokwadi pamusoro kukuvara upenyu uye utano rechipfuwo. Kare, kubhadhara zvose akaita pashure kurapwa, pachishandiswa vakabvuma pakutengeserana. Payment zvino vanogona kuwana kwete chete paanofa rechipfuwo, asiwo ake hama dzapedyo.

Pricing

Mari mutemo rinoumbwa fares uye anokosha prices. The coefficients pamusoro CTP mutemo wakaiswa neHurumende. Inishuwarenzi Makambani goni navo pachako. Pakapera 2014 regulator yakawedzera kufadza kukura avtograzhdanki kubhadhara kuti 400 zviuru rubles, uye kuti makambani havasi kurasikirwa mari - .. kwakawedzera tariffs, wayo paavhareji 50%.

How kuverenga mutengo

The yemaitiro iri nyore: coefficients MTPL inishuwarenzi kwawanda pamwe chawo unodiwa. Asi vose tsika kuvimba zvinhu zvinoverengeka: .. kutangazve mutyairi nharaunda kugara motokari, motokari ezvinhu, etc. The zvatinosiita payakavakirwa nokuti kukarukureta riri sezvinotevera:

Policy RT = TDB X X X BM FAC OK X X X C X KM KN X N, apo:

• Bt - garo unodiwa.
• CT - miganhu CTP coefficient.
• KBC - nechiidzo kwenyika / urefu basa.
• BM - bhonasi-Malus.
• OK - vakaomerwa nechiyero.
• KM - injini simba.
• C - seasonality.
• KH - coefficient zvirwere.
• P - nechiidzo nguva inishuwarenzi.

The inishuwarenzi Gwaro kupfuura zvinodhura achaita mari vaduku vanhu vanoenda pamusoro motokari simba mumaguta makuru. Mari vatyairi noruzivo pamwe tsaona isina dzokutyaira ruzivo makore anopfuura 10 zvichava zvishoma.

The zvazvingava anokosha

MTPL mitemo mutengo kunosiyana-siyana maererano mudunhu. Nokuti mumwe mhando pakufamba, zvichienderana neuwandu zvigaro uye tonnage, akaisa mutero kwayo. For varidzi mota rakakamurwa, maererano chi- Ukuru kana zviri pamutemo masangano. Haana kuchinja kubvira 2004. For zvibvumirano vapinda pashure April 1, 2015, richashandiswa coefficients zvakadai pamusoro inishuwarenzi Zimbabwe tariffs CTP:

Midhudhudhu uye Scooters - 1507 rubles.

Cars:

• pamutemo vanhu - 2945 rubles;.
• vanhu, IP - 2455 rubles.

Michina inoshandiswa somunhu tekisi, - 3677 rubles.

Trucks:

• pamwe vaifanira bvumidzwa uremu matani 16 - 2511 rubles.
• matani anopfuura 16 - 4018 rubles.

mabhazi:

• pamwe 20 mutakurwi zvigaro - 2009 rubles.
• uwandu zvigaro 21 kana kupfuura - 2511 rubles.
• Taxi - 3677 rubles.

Trolley - 2009 rubles.

Trams - 1252 rubles.

Nematarakita anofamba - 1507 rubles.

miganhu zviratidzi

chinhu ichi kunogona Masvomhu kwazvo. It kunobva nzvimbo chinonyanya motokari kushanda. Kana chibvumirano chakaitwa musi munhu, ipapo akashandisa nzvimbo motokari vakanyorwa, uye nokuda Entrepreneurs - nzvimbo mamiriro vanyorwa sangano.

Kudeuka nzvimbo reshiyo CTP inoshandiswa mumaguta pamwe rinoita motokari tsaona uye yakakwirira yevasungwa (Kazan, Perm, Yakutsk, kuChelyabinsk). For mota simba anowedzera dzaona dzakakwirira prices. Naizvozvo, TC vatyairi nani kunyoresa SUV kana rori iri hama mupenyu munharaunda. New MTPL for 2015 vari dzaitaurwa tafura pazasi. For mumatunhu 11 zviratidzi kunge kwakawedzera, uye nokuda vamwe - vari kuderedzwa. In Moscow kukosha indekisi kumbochinja.

nharaunda	CTP - coefficients itsva
Leningrad nharaunda, Kamchatka nharaunda, Adygea	1.3
Republic of vokuTuva, Chechen Republic, Zvionera Jewish Region, Baikonur	0,6
Trans-Baikal Territory, ari Magadan Region, Dagestan	0.6-0.7
Ingushetia	0.6-0.8
The Republic of Sakha	0.6-1.2
Murmansk nharaunda	1.2-2.1
Mordovia	0.8-1.5
Amur nharaunda	1-1,6
Voronezh nharaunda	0.5-1.1
Ulyanovsk nharaunda	0.9-1.5
Chuvashia	0.8-1.7
Kazan nharaunda	0.6-1.4
kuChelyabinsk nharaunda	1-2,1
The Republic of Mari El	0,7-1

Bhonasi-Malus

Zvikasadaro, parameter ichi inonzi dhisikaundi nokuda dambudziko-akasununguka chokufambisa. Zvinogona yekudyidzana kukanganisa mari mutemo. coefficient Izvi basa inobva Data pamusoro kuvapo / kusavapo yakananga payout mutyairi panzvimbo motokari. Zvokuti yaitsiva motokari kana kambani yacho inishuwarenzi kushandura mwero asingadi kukanganisa. Boka iri yoku- pakupera kwegore kubva musi mhedziso chesungano. CTP coefficients vari dzaona maererano yapfuura policies, kuti chinguva pakati chibvumirano haana mwedzi anopfuura 12. Zvikasadaro, asi basa muridzi motokari rechitatu chawo kirasi.

nuances

Kana ari kupindira nguva mutyairi akakonzera tsaona, anofanira kushandisa CTP akawedzera prices. Mutemo mutsva mari 50% anodhura. Nokuti dambudziko isina gore, mutengi anogamuchira dhisikaundi 5%. Kana mutemo uyu wapiwa kokutanga, kukosha indekisi iri 1. The kunonyanyisa dhisikaundi ndiyo 50%. Kana mutemo rakanyorwa vatyairi dzakawanda (somuenzaniso, baba nyaya dzemapepa ari mwanakomana wake), uye mumwe wavo vachangobva vakagamuchira murairo, ipapo indekisi rinowanikwa panguva shoma unodiwa. Saka, kuchinja kukosha MTPL itsika.

New coefficients BM kuona boka mutyairi. Somuenzaniso, kana munhu wacho akanga giredhi 5th pamwe kukosha Indekisi 0,9, uye ipapo mhosva yake netsaona, ipapo gore rakatevera racho dhisikaundi achadonha kusvika 5%, uye Rating - kusvika 3. Kana inotevera 12 mwedzi uchava dambudziko-vakasununguka, kuti mutyairi anotarisira LEVEL 6.

Kuwana ruzivo

Bhonasi-Malus achiumbwa pachishandiswa nhoroondo inishuwarenzi anoti. Kuti arambe kwavari, rinokosha nechigadziko PCA akasikwa 2013. insurer nomumwe mukati memazuva 15 pashure kusaina kuti controller transmits mashoko.

Age / ruzivo

The zvakawanda ruzivo vaunganidza mutyairi, rezasi kukosha chinoratidza ichi. Asi pane zviviri zvinokosha inofananidza: mutyairi zera (Makore 22) uye mwedzi 36 of kutyaira. Muchiitiko chino, bude chepamusorosoro indekisi ukoshi - 1.8. Kana vatyairi wandei, zviri kufungwa kufadza kukosha indekisi.

Kuderedza zvinokonzera kuti CTP (2014)

The inishuwarenzi inogona akapinda vatyairi vakawanda. Kana mutemo vachange mazita, hazvina basa kuti nhamba (2 kana 5). Factor hakuzochinji. Asi kana mutyairi zvechokwadi haagoni kuudza ndiani vachiri kushandisa motokari, asi anobvuma Zvinogoneka yakadaro, kushandiswa kukosha 1.8.

seasonality

Vatyairi vakawanda vanoshandisa motokari chete muzhizha uye chando dzakasara garaji. Kana kushandisa motokari panguva nzendo refu. Muzviitiko zvakadaro, izvozvo mutemo yomwaka mutemo kuti chero nguva 3 months. Indekisi mutengo akaenzana mumwe, kuchitanga 10 mwedzi kushanda. Ane mapfupi chete anogona kuverenga pamusoro zvishoma dhisikaundi.

kutyorwa coefficient

It rinoshandiswa Muzviitiko zvakadaro:

• kuita mashoko venhema;
• kutyaira vakadhakwa;
• kutsamwa nemaune netsaona;
• anyangarike;
• kuwana munhu seri vhiri haina akanyorwa mutemo.

Zviratidzi upenyu inishuwarenzi uye motokari simba

Origin zvinosiyana pakati 0.2 1 uye rinoshandiswa chete kune dzimwe kana kana motokari iri uchifamba dzaifanoiswa. Engine simba anogona kuonekwa PTSD. reshiyo ichi rinowanikwa somunhu Zvaiitwa horsepower. Kana magwaro raanotaura kilowatts, kutendeuka riri sezvinotevera: 1 KW = 1,359 litres. a.

Cars tirera

Nokuti motokari yakadaro imwe zvino mutero hakuna inopiwa. Asi noushamwari chaihwo coefficient, izvo kunoenderana mhando karavhani, kubva 1.15 kusvika 1.45.

With jira rakachena

Inishuwarenzi nhoroondo iri afuke munhu ane kodzero uye anodzora motokari. Asi Data kukagadziriswa, kana mukati 12 mwedzi mutyairi haana kupinda chero inozowana CTP. Muenzaniso: hapana muridzi motokari anogona kubvunza muridzi motokari tati chibvumirano pasina vanhu vakabvuma kuti utariri. Pashure pemwedzi 12 zvenhoroondo zvayo Reset, zvichiita kuti asaine yavo negwaro. Motokari varidzi vanofanira kutanga kuzomutsidzirazve zvinyorwa kuti hama, uye ipapo kuenda simba gweta.

vamwe kuchinja

Mukana kugumisa chibvumirano kwenguva gore asingasviki mumwe ava kuwanika. kudiwa akadaro kungamuka Somuenzaniso, kana motokari inogona kuwanwa imwe nharaunda, uye mutyairi achida kunyoresa panzvimbo imwe. Kare, zvinangwa zvakadaro, mutemo atenga kwemazuva mashomanana. Zvino inishuwarenzi yakadaro inogona rakapa chete motokari yokumwe. Saka Warriors anogona kungogumisa chibvumirano pamwaka. Nokuti motokari varidzi pamusoro LPG midziyo inopiwa 15% dhisikaundi.

Mujinga mutengo mitemo mumaguta makuru Russian

Somuenzaniso, tora kufadza date for vatyairi makore 23 management ruzivo ane motokari pamusoro matatu nemakore ane motokari ine injini inokwana 70-100 l. a.

guta	Old mutengo (Rbl.)	New mutengo (Rbl.)
Vladivostok	3964	6342
Khabarovsk	4814	7701
Irkutsk	4814	7701
Krasnoyarsk	5097	8154
Novosibirsk	4814	7701
Ekaterinburg	5097	8154
kuChelyabinsk	5663	9513
Moscow	5663	9060
Krasnodar	5097	8154

mhedziso

Muna April 2015 ari Bank of Russia zvakachinja nhamba CTP kubudikidza nharaunda uye zvinokosha prices. Zvakagadzirwa kuchagadzirisa kuwedzera kunonyanyisa uwandu vachibhadhara uye ari zvoupfumi munyika. Kazhinji, kukura prices vakasvika 40-60%. Coefficients kuti miganhu utongi achinja chete munyika 11. Base kushoma rakawedzera kwete zvose munzvimbo. Pane coefficient itsva motokari ine mavhiri. Mukati inishuwarenzi kwemwedzi mishoma kuti motokari vakanyorwa muna Russian Federation anogona chete zvomwaka.