CTP makalasi ndi kumasulira kwawo

ndondomeko MTPL ndalama ngakhale ndi Lamulo Bank ku Central, koma si chomwecho madalaivala onse. Pali otchedwa makalasi CTP kuti amapatsidwa kwa eni galimoto potengera zifukwa zingapo. Nkhani anafotokoza mwatsatanetsatane zimene MTPL inshuwalansi kalasi: mmene kudziwa chithunzi ichi ndi chimene chimakhudza.

Ngozi-free kuchotsera

Pamene akupereka mfundo kuti macheke insurer ngati kanthu nthawi ya ngozi. Izi zachitika osati chifukwa cha chidwi ulesi. Ngati munthu amayendetsa galimoto mosamala ndi nawo ngozi zapamsewu msewu, amaganiza kuchotsera pa ntchito galimoto inshuwalansi kuchuluka kwa 50%. Kuti n'kopindulitsa ndondomeko kusintha ndi chinthu otchedwa bonasi-malus (MSC).

Chifukwa kampani inshuwalansi okonzeka kulipira owonjezera galimoto zolondola? Iye lipindulitsa. Tiyeni amalakatika gawo la phindu, kupanga kuchotsera, ndalama izi ndi osakwana ngati alipire chipukuta misozi ngozi. Choncho, eni galimoto analimbikitsa kusintha galimoto, kupereka kuchotsera 5% chaka chilichonse galimoto "popanda kuchita ngozi." Izi ndi bonasi. Koma kwa galimoto mosasamala, imbaenda mavuto panjira, ndi ndalama za inshuwalansi malipilo, accrued ndalama-malus.

Kale izi chiŵerengero matsenga linamangidwa ndi galimoto imeneyi, zinkandivuta kwambiri. Ndipotu, mwini galimoto pamene kugulitsa galimoto anataya mabonasi onse. Chotero, popeza 2008, mbiri inshuwalansi ndi chikugwirizana ndi munthu, osati galimoto.

Osati inaonongeka, koma osati kwambiri

CTP amalandiranso udindo inshuwalansi, osati chuma. Mwachidule, anthu milandu imene inshuwaransi si udindo pa zimene zinachitika, musati bwanji ndalama za ndondomekoyi. Kodi n'komwe ngozi okhawo amene anatenga malo malipiro inshuwalansi (ngati policyholder anachititsa ngozi). Onse a ngozi, amene Mwachitsanzo, imakhala ndi evroprotokol kapena sizilembedwa apolisi apamsewu, ziribe kanthu.

Ngati mwini galimoto sanali wolakwa mu ngozi, izo kuchotsera Sapita kulikonse. Komanso kukachitika kuti ndi mlandu, koma "palibe amene waona", ndi ophunzira anavomera, popanda zindikirani kuti apolisi apamsewu.

MTPL kalasi

Pomaliza ife tiyenera lingaliro kwambiri za "makalasi CTP." akuti kumagwirizana ndi bonasi-malus koyefishienti, zomwe takambirana pamwambapa.

A wapadera chizindikiro, chilangizo, koyefishienti lomwe kufunika akapatsidwa m'mikhalidwe yosiyanasiyana. Monga Tingaone makoma awiri oyamba, gulu makamaka limafanana MSC lapansi.

kuchotsera The kuchita masamu ndi Kuchotsera ndi koyefishienti mgwirizano ndi kuchulukitsa zotsatira ndi 100%. Mwachitsanzo, ngati MSC ndi 0,85, kuchotsera adzakhala:

(1 - 0.85) X 100% = -15%.

MTPL inshuwalansi kalasi Kuwonjezera zimadalira kangati mwini galimoto limalowera mu ngozi, komanso zochitika galimoto.

Kodi Mzimuyo kalasi MTPL

Kasitomala, amene poyamba anapempha malamulo, alandira 3 kalasi muyezo ndi mtengo wa 1. kuti kuziwerenga mbiri inshuwalansi wake.

Chaka chilichonse chiyambire popanda ngozi, kuchepetsa mlingo. Ndiko kuti, pamene kutambasuka kwa mfundo 3 kalasi kusintha pa 4 ndi bonasi-malus 0,95 ndi 5% kuchotsera. Ngati ngozi anali, kalasi M'malo mwake, amachepetsa, ndipo mtengo wa ukuwonjezeka malamulo.

Kodi ndikudziwa kalasi wanga CTP

Tsopano ife kumvetsa mawu, ndi nthawi kuti muganize momwe kupeza dalaivala kalasi CTP. Ndipotu, kuwerengera kuchotsera mu issuance mfundo liyenela mbiri inshuwalansi ya mwini galimoto. Kodi izo kusungidwa?

Ngati mwini galimoto ntchito misonkhano ya insurer chomwecho, zokwanira kutsatira gulu lako. Wantchitoyo adzafunika masekondi ochepa kuti aletse MTPL kalasi mkati Nawonso achichepere ndi kudziwa mtengo wa kutambasuka kwa malamulo.

Ngati woyendetsa anaganiza zosintha insurer, iye amayenera kuti amufunse yapita "mtetezi 'Kalata mawonekedwe nambala 4, lomwe lili zokhudza mbiri Alamu. Chikalata amaperekedwa patapita masiku asanu.

Komabe, sikuti zonse thandizo. Ambiri kampani ya inshuwalansi ntchito akuti sar m'munsi ndipo ngakhale anapereka awo Websites pa makasitomala awo mwayi kuwerengera ndalama za ndondomekoyi pamaziko a deta izi. Kawirikawiri, koma zimachitika gulu mwachindunji mu mfundo.

Nthawi zina kampani latsopano kusakhulupirika kuika wina watsopano. Sitiyenera pansi pa mabuleki, chifukwa Pankhaniyi mbiri inshuwalansi ndi adzataika.

Kudziwa kalasi lanu

Kudziwa kalasi MTPL akhoza nazo, popanda thandizo insurer a. Ndi zokwanira kuti agwiritse ntchito chizindikiro pamwamba.

Ndi magawo awiri poyamba, ife kale asanaganize: makalasi ndi MSC. Otsala mizati isanu akuimira chiwerengero cha milandu inshuwalansi mu chaka chathachi. 0 - zimenezi sizinachitike mwangozi. Choncho, 4+ akusonyeza pamaso pa ngozi anayi kapena kuposerapo.

The makhalidwe mizati ya - ndi makalasi. Mwachitsanzo, dalaivala novice amene agonjetsa woyamba mfundo kulembetsa lachitatu kalasi ndi KMB 1, kuyenda chaka popanda ngozi. Mu mzere ndi kalasi 3 Rd, tikuona kuti ziro chiwerengero cha ngozi anatumizidwa 4 kalasi. Ngati panali ngozi imodzi, 1st. Maphunziro 1 limafanana ndi koyefishienti 1,55. Tikambirana:

(1.55 - 1) X 100% = 55%.

Choncho, dalaivala kulipira pamene takonza ndondomeko ya 55% kwambiri. Koma uwu si mayikidwe koipa. Koma ngati kudzakhala ngozi awiri, kalasi M ndi nkhani, ndi kutuluka ndi kubwerera ku wagawo, izo kutenga zaka zisanu.

Midzidzi mitengo wothandizila inshuwalansi chimatsogoleredwa ndi mzere umodzi wa tebulo, womwe ndi dalaivala panopa kalasi.

Koma tingachite popanda malipiro mwa kuchezera PCA ndipo nthawi yomweyo mukudziwa MSC wanu ndi kulowa mwapadera dzina ndi galimoto chilolezo chiwerengero.

Ngati madalaivala angapo

Kodi ngati malamulo linalembedwa galimoto eni angapo kukhala osiyana kalasi MTPL inshuwalansi? Kodi kudziwa mtengo wa mfundo Pankhaniyi?

Nkhani imeneyi, mtengo kuchita masamu mogwirizana ndi mlingo pazipita. Mwachitsanzo, atatu dalaivala m'gulu CTP: pa MSC woyamba ndi 0,6, wachiwiri - 0,7, ndi wachitatu - 0,9. Zikutanthauza kuti chinthu malamulo a 0,9 adzatengedwa, ndi kuchotsera adzakhala 10%.

Ngati chiwerengero cha oyendetsa sipakhala zofooka, bonasi-malus zikudalira malipiro inshuwalansi amapangidwa pa nthawi yomalizira ya mgwirizano.

Za inshuwalansi akuda oipa ndi zolakwa luso

funso A wololera lakuti: chifukwa ali mwini galimoto muyenera kudziwa mmene mungapezere dalaivala MTPL kalasi, ngati deta zonse kwa nthawi yaitali m'gulu chimango chonse, ndi magulu inshuwalansi kukhala anthu ophunzitsidwa mwapadera amene amadziŵa kuwerengera mtengo wa mfundo?

Vuto si nthawi zonse antchito awa ndi chikumbumtima. Ndipo iwo tingalandire umbuli wa makasitomala kupereka iye tariff muyezo, potero kupanga overpayments.

Ngakhale insurer mwadala kumasintha kalasi kasitomala, zomwe zingachitike chifukwa cha kulephera luso kapena olakwika kulowa deta.

Ngati CTP kalasi mu ndondomeko pa chifukwa chilichonse kusintha watsopano mbiri inshuwalansi akuyamba - ndi kalasi loyamba. Ndipo mbiri galimoto adzakhala anapanga mwatsopano.

Choncho sizingathandize kugula inshuwalansi yabodza ndalama. Ndipotu, pamene mwini galimoto CTP chimafikira kalasi galimoto anatsimikiza potengera mbiri ya galimoto lake, ndipo pa maziko a deta awa, kuwerengera mtengo. Ngati mbiri zotero, kuchotsera onse zidzaotchedwa.

Kodi kupulumutsa pa MTPL

Mtengo wa mfundo amakhudza makalasi osati CTP, komanso zinthu zina. Mwachitsanzo, mitengo Kupititsa ikhoza kusintha kutengera m'deralo. Ena madalaivala wochenjera kukongoletsa magalimoto awo pa moyo wathu m'dera limene chiŵerengero Kupititsa n'chozama, pamene iwo kupita mphamvu ambiri a loya.

Ndi chofunika, amene aliyense walowa kuwonjezera pa mwini malamulo a galimoto. Insurance si amene akhoza kusamalira zoyendera kwambiri zodula. Ndipo adalowa ndondomeko anthu amene sapita bwino kapena basi mpaka kwenikweni galimoto zambiri, zinadzala ndi ndalama zosafunika.

Pomaliza, ngati mwini galimoto amayendetsa galimoto si nthawi zonse, koma Mwachitsanzo, kokha mu nthawi ofunda kwa chaka, ndiye izo zimapangitsa neza kwambiri overpay chaka chonse. Zokwanira kugula inshuwalansi kwa miyezi ingapo.

Tsopano ife tikudziwa chomwe magulu CTP, zimene iwo amchita, ndi mmene kudziwa.