Mawerengedwe a MSC kuti: chimatanthauza kuchotsera anu pa MTPL

mfundo Price MTPL kumadalira osati kokha pa mphamvu ya galimoto, galimoto zambiri, zaka ndi malo okhala a dalaivala, komanso mmene mosamala kuti khalidwe panjira. Ziziyenda amene simukhala mu ngozi (osachepera, ndi vuto lake) kungakhale kulandira kuchotsera la 50% CTP. Koma amene nthawi zambiri amachititsa ngozi, ndithu tidzalipira inshuwalansi nthawi 2.5 wamkulu. Mmene adzakhala kuchotsera kapena umafunika, malingana koyefishienti wa bonasi-malus (MSC). Choncho, kodi malamulo kuwerengetsa ndi MSC?

Kuchotsera kapena chabwino?

MSC amatchedwanso kuchotsera kwa vuto lililonse galimoto. Ngati woyendetsa mu chaka chathachi anali kukhala udindo ngozi, ndiye inshuwalansi kampani analibe ndalama pa chipukuta misozi. Pakuti ichi kasitomala angalimbikitsidwe, ndipo chaka chamawa kuti asamuphe inshuwalansi pa kuchotsera ndi - kupereka bonasi.

Ngati woyendetsa analowa ngozi, ndi insurer anayenera foloko kunja kwa malipiro. Ndipo kuti recoup ndalama zawo ndipo pa nthawi yomweyo kulimbikitsa kuti anthu dalaivala kusamala panjira, ndi kampani ya inshuwalansi, akupereka mfundo, kwezani mtengo wa CTP - kupereka malus.

Kodi ngozi ali n'komwe?

Kuyamba, tiona kuti si ngozi amakhudza mawerengedwe a MSC lapansi. CTP - ndi udindo pa inshuwalansi, osati chuma. Choncho, mawerengedwe a amaganizira ngozi okhawo amene insurer kudzifufuza kuti malipiro inshuwalansi kasitomala wake.

Ngati woyendetsa ndi ngozi sindikuwatsutsa kapena chochitika sanali formalized mu apolisi apamsewu, nkhani inathetsedwa ndi evroprotokol, zilibe kusokoneza mwini galimoto OSAGO kuchuluka mtengo.

Zamkatimu koefishienti bonasi-malus

Kudziwa koyefishienti ntchito pano, ngati tebulo kuwerengetsa ndi MSC.

Woyamba magawo awiri kusonyeza kalasi pa chiyambi cha inshuwalansi ndi koyefishienti kake. Makoma otsala tebulo amakulolani kuona mmene kusintha kalasi ndi MSC pamaso kapena kusapezeka ngozi.

Mayina a mizati kusonyeza chiwerengero cha milandu mu nthawi yotsiriza yomwe malipiro anapangidwa. Motero, ndime yoyamba ndi chiwerengero 0 zikutanthauza kuti ngozi sanali, ndi wachisanu ndi chiwerengero cha 4+ limasonyeza kuti munthu anali ngozi kuposa kanayi. Manambala ndi makalata mu thupi la gome akusonyeza mmene MTPL kalasi, malingana ndi chiwerengero cha ngozi pa msewu cha kulakwa kwake.

MSC kuchita masamu malinga ndi mfundo zotsatirazi. Kuyambira khalidwe unit koyefishienti ndi subtracted, ndipo zotsatira zake ndi kuchulukitsa ndi 100%. Pamene munthu woyamba amakhala CTP basi amalandira m'kalasi yachitatu ndi MSC 1. dalaivala Izi amalipira 100% ya mtengo wa inshuwalansi - popanda kuchotsera kapena premiums.

Ngati MSC ndi anatsimikiza pa 0.9, ndiye ife kupeza: (0.9 - 1) * 100% = 10%. Choncho, dalaivala amadalira 10% kuchotsera.

Ngati chiŵerengero adzakhala 2.45, ndiye: (2.45 - 1) * 100% = 145%. mtengo mfundo chinawonjezeka ndi 145%, ndi, mwini galimoto malipira inshuwalansi nthawi 2,45 kwambiri. Ichi ndi chilango kwa chilengedwe cha dzidzidzi panjira.

Kodi kudziwa chiŵerengero pa tebulo?

Musanayambe kuwerengera MSC, kapena kani, kuchotsera kapena surcharges malinga ndi mbiri inshuwalansi, muyenera kudziwa dalaivala kalasi kudziwa ntchito mlingo.

Tiyeni tinene mwini galimoto ali inalandira lamanja, anagula galimoto ndipo anapita kukalembetsa CTP. Iwo anatuma 3 kalasi muyezo. Chaka chotsatira, iye anabwera kudzakonzanso inshuwalansi. mbiri Ntchito inshuwalansi zikuwoneka n'kupeza kuti kasitomala wadutsa mu chaka chatha ya ngozi.

Tebulo limasonyeza kuti sitili pa ngozi pambuyo nthawi inshuwalansi pachaka dalaivala zipita 4 kalasi, ndi chiŵerengero ake yafupika kuchokera 1 mpaka 0,95. Pamene kukonzanso mwini galimoto angathe kugwidwa ndi kulipira inshuwalansi ndi 5% kuchotsera. Nthawi yotsatira inu kupanga MTPL insurer adzakhala kale kutsogoleredwa ndi mzere wa tebulo lolingana kalasi 4..

Ngati likukhalira kuti nthawi imeneyi panali ngozi imodzi pa vuto la dalaivala, kusintha wake kalasi kwa 3 mpaka 1 ndi MSC kukula kuchokera 1 mpaka 1,55. Inshuwalansi kwa chaka chatsopano kulipira 55% kwambiri. Komanso mawerengedwe a MSC udzakhala wokhazikika pa mizere lolingana kalasi 2. awiri okha patapita zaka zambiri, anthu adzatha kubwerera m'kalasi yachitatu ndi kuyamba mumapezera kuchotsera.

Ngati woyendetsa likulowa mu kalasi M, panapita zaka zisanu kuwafika muyezo lachitatu kalasi kachiwiri.

Ngati mfundo linalembedwa ndi anthu ochepa, kuchotsera kapena umafunika anatsimikiza ndi zoipitsitsa koefishienti lapansi.

Kodi mukudziwa chiŵerengero wanu?

yosowa kwambiri MSC mmene inshuwalansi lapansi. Choncho, kudziwa gulu la CTP ndi moyenera, kuchuluka kwa kuchotsera kapena umafunika, ndi insurer adzakhala ndi kufunafuna, kuwerengera MSC nokha ntchito tebulo kapena ntchito akuti sar m'munsi.

Pamene inu pempho galimoto kampani kalasi inshuwalansi ayenera patapita masiku asanu kupereka mauthenga mawonekedwe №4 zikusonyeza zonse zofunika. chikalata ichi ndi zothandiza, ngati mwini galimoto akukonza kusintha insurer.

Pa X-ray mapindidwe akuwala kudziwa malo chinthu muyenera kupita ku gawo "CTP" tsamba ndipo dinani "Information kwa inshuwalansi ndipo akuvutika." Mwa zina zambiri, ndipo mudzapeza tanthauzo la koyefishienti wa. Kuti mudziwe zokwanira kulowa anatsegula mawonekedwe a dzina ndi galimoto chilolezo chiwerengero.

Kotero, ife tikudziwa chimene MSC, n'chifukwa chiyani chofunika, mmene kuwerengera izo.