Bonasi-malus koyefishienti (MSC). Makalasi KBM MTPL: tebulo. MSC 1 Maphunziro 3 - zikutanthauza chiyani?

Siyense dalaivala amadziwa zimene magulu MSC. Pa nthawi yomweyo, kumvetsa zothandiza pankhani zimenezi, koma opindulitsa. Tiyeni tione funso kuyambira pachiyambi, ndiko kuti, chifukwa mwini galimoto amene samadziwa nkomwe momwe kumvetsa ndi MSC, ndi kuyang'ana pa ena ndi ovuta tanthauzo lake.

inshuwalansi mokakamizidwa

Mwini aliyense galimoto pamodzi ndi zikalata zina ayenera kukhala cholowa CTP. Izi mokakamizidwa inshuwalansi galimoto udindo. Chifukwa cha malamulo kuti madalaivala onse, motero, kutetezedwa. Ngati mlandu wa ngozi ya galimoto, inshuwalansi wa chipani cha mlandu wa ngozi amalipidwa kuti chipani anavulala kuti achire galimoto. Ndipo ngati inu zowawa choipa munthu, ngakhale kuti wolakwayo.

Mtundu wa inshuwalansi dongosolo cholinga kulimbikitsa oyendetsa galimoto ngozi wopanda galimoto. Komanso muyeso umakhala mu ulemu wa amachirikiza ngozi. Iwo anazindikira mwa MSC-makalasi. Kuti mudziwe tanthauzo ndi momwe ntchito.

KBM-makalasi

MSC zikuimirira koyefishienti wa bonasi ndi chilango mfundo. Bonasi amalandira dalaivala sakhala mu ngozi, zikuoneka kuti iye akukhala, ngati malus, mwachitsanzo koyefishienti kuchepetsa, motero, walandiranso amene amayamba ngozi.

Vuto lililonse ulendo zingatenge zaka zambiri. Koma inshuwalansi akuda ali ndithu ofuna kukhala ndi kuchepa mtengo wa malamulo wafika ziro. Choncho, tiyenera kuganizira pakhomo pa zimene mtengo wa inshuwalansi salinso yafupika. Izi ndi 50%.

Pali madalaivala amene galimoto malamulo onse a msewu kwa zaka zambiri ndipo sakutsutsana iwo. Kungakhale kulakwa ngati iwo anayenera kupereka mochuluka monga ziziyenda amene pafupifupi sanamuzindikire lamanja la msewu.

Choncho, chiŵerengero pazipita ndi 0,50. Pofuna kukwaniritsa zimenezi, muyenera kupeza ngozi zaka 10.

Downgrading kapena imfa ya kuchotsera

Ngakhale ndi kuchotsera pazipita, sindikuganiza kuti kwapatsidwa zivute zitani. Ngati woyendetsa galimoto ngozi, kukhala woyambitsa ake, kuchotsera akupita pansi ndipo wafika wagawo, ndiyeno kuti adzathe yaitali kusuntha kwa aziti iyeyu n'ngwabwino 50%. Koma ngati woyendetsa adakhala kumbuyo gudumu ndipo posachedwapa kuchotsera ang'onoang'ono chifukwa cha ngozi si yekha bwererani ku ziro, koma mtengo wa inshuwalansi adzakhala kuwonjezapo.

Kwa oyendetsa ovomerezeka, ndi kuposa m'pomveka kuyeza: ngati inu amayenda m'njira yakuti zikhoza kuwononga ena, kulipira mfundo yanu kwambiri!

A zambiri ngozi kuchitika chifukwa cha kulephera kapena madalaivala manyazi. Only anthu amenewa adzalipira chabe kuti pamene kugwa pa vuto pangoziyi. Choncho, pamene Events zazing'ono kwa iwo bwino kukambirana ndi chipani anavulala ndi kuthetsa nkhani popanda kuitana apolisi magalimoto a. Ndiye, wokhutitsidwa ndi kukhala yekha (monga sizikusoweka kuti tiziwononga nthawi ndi misempha kucheza ndi inshuwalansi kampani), ndi zina (monga kuchotsera pa ndondomeko monga izo zinali, ndi sizinasinthe).

Mwa njira, muyenera kudziwa kuti magulu MSC CTP siligwira ntchito kwa nyumba. Komanso, sichidzalandiridwa n'komwe pamene malamulo ndi chikalata ku wakunja kapena galimoto polumikizira.

KBM MTPL kalasi: tebulo

Choncho, motsogozedwa ndi tebulo pansipa, mukhoza kuwerengera MSC wanu. Mfundo yopingasa limasonyeza kalasi galimoto pa chiyambi cha mawu a malamulo. Malinga ndi galimoto m'chaka (ngozi-free kapena ndi ngozi, zotsatira za malipiro inshuwalansi) kwa chaka chamawa amagwira ntchito limodzi kapena kalasi ina ya MSC pa CTP. tebulo A tichipeza makalasi fifitini, kumene "M" kutanthauza "yayikulu", anatumizidwa ku bokosi chilango.

Kalasi afika dalaivala wa pansi kwa nthawi yoyamba kumbuyo gudumu?

M'chaka choyamba dalaivala ulipo kwa kagulu chitetezo 3. Tiyeni kuphunzira Mwachitsanzo, mmene kumvetsa makalasi a MSC lapansi. MITU pamene kuyang'ana pa mzere woyamba ofukula lili kalasi ndipo ngati wachiwiri - 1. wake koyefishienti Izi. Likukhalira, ndi MSC 1, Maphunziro 3. Kodi zikutanthauza chiyani?

Ngati woyendetsa akuyendetsa galimoto chaka chino sindifika ku ngozi zapamsewu (onani ndime yachitatu), ndiye lotsatira inshuwalansi nthawi adzakhala MSC - 0,95 kalasi - 4, motero. Ndiye kuchotsera adzakhala ofanana peresenti asanu. Komabe, ngati pa nthawi ino ngozi nthawi zikachitika, asankhe kalasi 2, pamene MSC ndi 1.4. Kenako inshuwalansi kulipira 40% kwambiri.

Atsopano galimoto ayenera kusamala kwambiri chifukwa pamene awiri kapena kuposa zolephera MSC amakhala pazipita ndipo ndi wofanana 2,45. Koma pamene vuto lililonse ulendo wachitatu kalasi dalaivala adzabwerera chaka chotsatira, ndipo iye analibe kulipira inshuwalansi ndi.

KBM, wofanana 0.5, zikutanthauza pazipita magawo fifite kuchotsera. Koma ngati woyendetsa galimoto ngozi, iye anatumizidwa ku kalasi 7, womwe ndi 0,8.

The CTP linalembedwa madalaivala angapo

Ngati inshuwalansi wosindikiza madalaivala angapo, MSC ankaona mwapadera. maziko ndi khalidwe lalikulu. Mwachitsanzo, ngati inshuwalansi kukhomereza madalaivala anayi, atatu amene ali ofanana ndi 0,7 ndi pansi, koma mmodzi yekha 0,9, inshuwalansi tidzakambirana pa maziko a MSC otsiriza, i.e. anapatsidwa gawo khumi kuchotsera.

KBM ndi inshuwalansi malire

Ngati mukufuna kugula mfundo za inshuwalansi mokakamizidwa, omwe angagwiritse ntchito mopanda malire anthu, MSC ankaona mosiyana. Unatenga maziko a deta mwini galimoto.

Nkofunika kukumbukira kuti ngati inu kale anagula malamulo pa anthu ochepa, kenako anaganiza kuti adzikonzenso izo kwa malire, m'pofunika kuloŵamo payokha anthu amene zikhazikitso ndi bwalo yochepa ya anthu. Apo ayi, MSC-makalasi atsopano adzataika.

Kodi kufufuza chiŵerengero cha bonasi-malus?

Chonde dziwani, ndi MSC sanalowa Nawonso achichepere limodzi la Soviet Russian deta inshuwalansi akuda. Lili chabe zokhudza inshuwalansi yapita pa galimoto. Koma chiŵerengero kuchita masamu ndi kutsimikizika mwachindunji ndi inshuwalansi kampani pamene akugula woyendetsa ndondomeko. UK ayenera kugwiritsa ntchito makalasi MSC kwa CTP, komanso zimathandiza kuti Nawonso achichepere zokhudza ngozi imene dalaivala anali mu galimoto yake.

Choncho, mu makampani inshuwalansi ndi mungawerenge MSC ndi kupereka uthenga zogwirizana.

Komabe, mungaphunzire za izi, ndi njira zina. Mwachitsanzo, kupita ku malo a PCA posonya m'munsi mwa MSC lapansi. Pakuti zosowa kulemba wanu VIN kachidindo kapena boma chilolezo chiwerengero ndi mfundo za mwini.

Nthawi zina (monga si udindo) kampani ya inshuwalansi amasonyeza MSC mu inshuwalansi lapansi. Choncho, nthawi zina zokwanira kuphunzira chikalata mosamala. Chiwerengero kuperekedwa ndi maina a aliyense wa madalaivala kapena zizindikiro zapadera.

malo ambiri lero, pali Intaneti toŵerengera, mungathe kuwerengera MSC anu mosavuta. Choncho n'zotheka kuphunzira paokha.

M'munsi mwa deta MSC

Choncho, deta kwa kuwerengetsa ndi koyefishienti wa inshuwalansi kampani amatenga patsinde Union ndi Russian a inshuwalansi akuda. Amachita mwachindunji makampani inshuwalansi inshuwaransi madalaivala. Mbali imeneyi ayenera kukumbukira makamaka anthu amene asankha kusintha IC awo ndi mzake. Ndi bwino kutenga nawo chimodzimodzi inshuwalansi kampani kalata, umene akusonyeza MSC. kuti ena a iwo zimachititsa kuti nthawi yolakwika kapena kuyiwala za izo, ngati zingachitike mavuto ena jombo, ndi zina zotero. Choncho ndi bwino kusewera izo otetezeka ndi kubweretsa chikalata munthu izo zikutsimikizira kuti muli ndi chiŵerengero ena kuti 'mwangozi "simunasungitse bwererani.

kuchotsera Features

M'magazini ino ayenera kuganizira mfundo zotsatirazi.

Posachedwapa, kuchotsera kwa vuto lililonse ulendo anatchulidwa kwa galimoto yeniyeni. Pamene zogulitsa ake ndi kugula ya galimoto latsopano anali kuti adzathe kuyamba mbiri inshuwalansi wake. Kudziwa zolakwa za dongosolo izi kwa iye yagwera. Tsopano nambala onse a makalasi angati MSC amanena mwachindunji dalaivala. Choncho, zilibe kanthu zimene galimoto iye amayendetsa ndi zimene inshuwalansi kampani anapeza mfundo MTPL. Ndi waukulu vuto lililonse kukwera.

mafunso osiyana amene kawirikawiri anafunsa madalaivala

Tiyeni tikambirane zinthu zingapo.

Kodi Mwachitsanzo, mmodzi wa madalaivala, amene alembedwa CTP, n'kumusintha chiphatso ndi dalaivala wake? Mu nkhani ya mgwirizano alipo ayenera yomweyo ntchito ku UK. Inshuwaransi kulemba, awadziwitse insurer kuti yotsirizira wapanga kusintha chidziwitso m'munsi mwa Soviet Russian a inshuwalansi akuda.

nkhani ina chidwi kuti ziziyenda ndi linanena ndi MSC, ngati mgwirizanowo inshuwalansi si chiwerengero cha oyendetsa chakuti mu nthawi yomalizira ya mgwirizano amapereka owerengeka iwo. Mu nkhani iyi, SC anapatsa ophunzirawo kuti ali chinanena mu mgwirizano inshuwalansi. Kodi UK, ngati zinthu kubwezedwa, kuti uli wotsiriza wa mgwirizanowo inshuwalansi alibe zoletsa chiwerengero cha anthu, ndi latsopano anamaliza pa mawu ndi sangathe kuchita? Pankhaniyi, kampani inshuwalansi chofunika kuchepetsa MSC.

Maphunziro 3 - kodi izi zikutanthauza kuti dalaivala? Komanso, kalasi ndi chikalata munthu amene poyamba ali kumbuyo gudumu ngati dalaivala ali sanalowe mu mgwirizano CTP pa chaka, zimene sasamala m'pang'ono opareshoni musanagulitse yopsereza, ndipo Iye afika kalasi monga Shackleton kumbuyo gudumu kwa nthawi yoyamba. Ndiko kuti, MSC 1, kalasi 3.

Kodi izi zikutanthauza kuti dalaivala, ngati sasamalira mfundo zonse za ngozi mu mgwirizano? mawerengedwe cholakwika a dongosolo adzakhala wapezeka yomweyo. Choncho, inshuwalansi kampani mu nkhani iyi, amaika ndalama pa dalaivala. Iwo anafotokoza mu 1.5 MSC. Kuti, mu chaka chamawa malipirowo zingawonjezere ndi chinthu cha 1.5.

Pomaliza

Tafotokoza tanthauzo la magulu MSC, momwe iwo mopitirira ntchito ndi kuyang'aniridwa. Madalaivala kukumbukira kuti sibwino yekha kuti athe kuyendetsa galimoto komanso kutsatira malamulo onse alipo magalimoto. M'pofunikanso komanso zinthu zina zomwe zokhudzana, monga Mwachitsanzo, inshuwalansi ndi subtleties ake, kuti ndi mutu lero wathu. Akatero Suopa kumbuyo gudumu, pamene ndalama zawo.