Unoziva sei ako MSC MTPL pahwaro X-ray? Chii MSC

Vatyairi ruzivo vanonyatsoziva kuti mari vanofanira kubhadhara kuita inishuwarenzi gwara mudziyo, zvichienderana ravo urefu basa, uyewo tsaona-akasununguka kutyaira. Mutengo mutemo anonzi kufungisisa mwero-bhonasi-Malus. Tinodzidza sei kuwana kwenyu MSC MTPL.

Chii MSC

The coefficient iri kukurudzira vatyairi kutevera mitemo uye pakufamba pasina tsaona imwe. Ivo tiwane dhisikaundi kana iwe kuti itsika. Nerimwe gore tsaona isina nokufambisa kwaJehu mutyairi chinhu ipfupi, nokuda izvo kuti mutemo kubhadhara zvishoma.
Kare, iye akanzi chimwe muchina, uye kana kutengeswa dhisikaundi akarasika. Zvisinei, kuchinja kwakaitwa muna 2008, maererano izvo MSC ndowenyika mutyairi, zvisinei kuti motokari anotinhira. Discount iri rakaramba panyaya, kana mutyairi yasarudza kushumirwa mune imwe kambani yeinishuwarenzi.

Zvisinei, izvozvo ipfupi kana akadzima zvachose uye kunyange anoenda kunaka, kana mushure tsaona, mutyairi anokumbira muripo. Kwakakura rutapudzo kunobva kirasi kuti rave basa mutyairi pamberi tsaona iyoyo.

Kazhinji yamunenge uye isingadhuri kugadzirisa tsaona muduku uri panzvimbo, pasina anokonzera motokari mapurisa. Kwoitawo, vachikanganisa mutemo havazowandi chaikonzera tsaona.

Unoziva sei ako MSC MTPL

Kana mutyairi achida kuziva chii MSC ake uye kuchinja, unofanira kushandisa rinokosha tafura. Kazhinji, rokutanga gore iye akanzi kukirasi rechitatu, akaenzana imwe MSC.

Kana tsaona gore rino umo akanga chaikonzera asingadi kuitika, zvino gore rakatevera akagamuchira mugwaro rechina, uye MSC achaita kuderera ne 5%. Asi kana tsaona aanenge, ipapo kirasi achava wechipiri, uye MSC achamuka 1,4, kureva mutengo mutemo achawanda 40%.

Nokuda kutyaira pasina tsaona 5 muzana dhisikaundi zvichabviswa paakavapa rimwe gore kusvikira zvasvika 50%.

CTP Table

The coefficient inogona nyore pakutsvaga tafura chinokosha ichi kuti kunoitika CS zvose. Zviri zvakakwana kuziva boka mutyairi.

Tora somuenzaniso mugiredhi rechitatu. Maererano naye inotevera mbiru tinoona mumwe. MSC ichi. Gore rakatevera, mutyairi anogamuchira kirasi yechina unoenderana chinokonzera kuti 0.95. Saka tarisa mberi. Other mbiru anoratidza iyo boka icharamba kupiwa, kana pachava tsaona.

aive

Imwe nzira kuwana kwenyu MSC MTPL - yakazvimirira kukarukureta. Chimbofunga muenzaniso pamwe chete mutyairi, uyo kutanga akamuka seri vhiri. Kana makore asingasviki matatu haisi tsaona, ipapo mugore rechina rokubata kwake pakutyaira dhisikaundi achava 15%. Zvisinei, kana petsaona, chaikonzera raakanga inova, giredhi kwake hakuzovipo 7, iyo yakafanana 15 muzana dhisikaundi, uye ndiye wechina chete.

Kana tafura riri pedo, zviri nyore kuona. Asi pasina izvozvo kuverenga MSC zvinogona kuvakanganisawo.

MSC kana belaying nevatyairi yakawanda

Unoziva sei ako MSC MTPL kana vakabvuma kuti vanhu vashoma kutyaira motokari? Ndicho nyore chaizvo. It atsanangura coefficient kuti ane-soro kukosha zvose. Somuenzaniso, mumwe mutyairi MSC - 35%, uye mumwe - 15 chete%. Ipapo mutengo achapiwa dzaona kwakavakirwa 15% dhisikaundi.

Kana mumwe vatyairi ane tsaona, chaikonzera rine, uye mumwe proezdil gore pasina tsaona imwe, kuti MSC pachamera chete kubva mutyairi - chaikonzera tsaona. Vamwe vachagamuchira akamuisa 5 muzana dhisikaundi.

Unoziva sei ako MSC CTP pahwaro X-ray diffraction

X-ray diffraction, kana Russian Association of Motor Insurers sangano munharaunda. Union kunobatsira vatyairi panyaya dzakawanda. An rinokosha riri basa uye vazive nevatyairi. Saka, zviri pamutemo Website ine zvakawanda zviri dzinoshanda kufarira uye kubatsira.
PCA ndiyo imwe yacho MSC Database. Kuuya here, unogona kuwana nyore kwako MSC MTPL muna SAR.

ruzivo urwu hunowanika zvose zviri pamutemo uye zvakasikwa vanhu. Nokuti vanhu chete vanofanira kupinda kwako chitupa chokutyaira. Kana CTP akaurayiwa pasina vatyairi kukamurwa list, muridzi remotokari kuziva pasipoti uye PTSD.

Just nyaya chete MSC. Check KBM CTP pahwaro of PCA pamutemo masangano nyore. Zviri zvakakwana kupinda netini wekambani uye magwaro anodiwa kuti motokari.

Unogona kugadzirisa mashoko ari PCA of MSC?

Check KBM CTP pahwaro X-ray diffraction, bvuma vakakundikana. Asi pano unogona kuziva zvimwe zvinetso. Kazhinji, nzvimbo hurongwa anoratidza coefficient usingabereki anoenderana chokwadi. Somuenzaniso, ari policyholder anogamuchira MSC akaenzana mumwe, paakanga kufamba kwake motokari pasina tsaona kwemakore akawanda.
Zvikonzero kuti izvi zvinoitika, pangava sezvinotevera.

Kana akaitwa yokutsiva chitupa chokutyaira, zvichida mashoko hauna kugadziriswa, uye akasiya vakanga vari yekare gwaro. Kuti vabudirire yakarurama kuratidzwa mashoko anofanira kunyora pamusoro chikumbiro ichi kuna PCA magazini itsva uye tsaru certificate. Zvinoitika kuti munhu date kupinda chikanganiso.

Izvi zvinogona kuonekwa kunyange apo zita mutyairi rinooneka pamusoro mitemo akawanda. Somuenzaniso, Ivanova, kuva mukirasi yechi11 uye uchityaira motokari yako, uyewo vakabvuma kuti kutyaira wake. Uye pakupedzisira coefficient ndiyo 0.95, izvo rinoenderana 4-fung kirasi. Saka, kana kuparadzira mashoko zvinoita sokuti somunhu chinokonzera kuti 0.95.

Uye chimwe chikonzero, kana MSC vatyairi pahwaro ais SAR nokuda CTP sevasingazivi ari Database - ichi kusauka SC.

Sei kuponesa rebheti

Saka, unoziva sei zvenyu MSC MTPL paIndaneti PCA, takazoziva. Tomboti yenyu kuzvimirira inofungidzirwa regai uwirirane avo nhamba dziri nzvimbo. Sei kuva iyi?

The PCA anofanira kunyora kutaura kuti chipo kukosha coefficient kunze paIndaneti, uye nharo kuti ruzivo. Nokuti kopi vanoti rakaiswa policies uye zvitupa kubva UK kuti imwe nhamba yemakore kwave tsaona-isina kutyaira.

On kukanganisa, mutemo ane zvinoitwa yapera, havafaniri kurasa. Handiti pane rwunoratidzwa mashoko zvakafanana chokwadi. Chinhu kuratidza kuti inishuwarenzi mumiririri kana kudana hazvina musoro. Zviri nani kuenda zvakananga huru kuhofisi boka nokunyorera kunyunyuta. Kana iwe kutumira kunyunyuta, kunze risiti, iro richava hwokuti muripo.

Uye kana ukasarudza zvinosanganisira mashoko ari kambani pachedu, itai izvozvo makopi maviri, mumwe wavo here akaisa mucherechedzo yokubvuma.
Kana, mukati vhiki mbiri, hapana mapepa, hapana dzosera Havasati, tinogona zvakachengeteka anoshanda simba pamusoro uye kuti tsvakai kururamisira.
Saka mubvunzo ndewokuti, "unoziva sei zvenyu MSC MTPL mu PCA?" Zvakakosha kwete chete nokuda zvadzo kuziva, asi kuitira kuti tive nechokwadi kuti dzemaitirwe inotevera negwaro kwaizova.