IzimaliUmshwalense

Indlela ukucacisa isigaba umshayeli ukuze umshwalense?

Nge kwamanani ka CTP abashayeli abaningi bakwazi ukuphunyula inqubomgomo yokubhaliswa. isinqumo esinjalo angeke kubhekwe ngamabomu, nakuba isifiso ukulondoloza kuyaqondakala. Kukhona enye indlela esingathola esisemthethweni ukunciphisa izindleko inqubomgomo - ukushayela ingozi-DRM. Esimweni esinjalo inikezwa umshayeli ekilasini. Indlela bona abuye asebentise kahle, funda ku.

izimfanelo

Namuhla uyinto ezifana "ikilasi yokushayela," a esetshenziswa kakhulu "ndaba ochwepheshe", owayesebenza eSoviet Union. Ngemva kwalokho abe eseqala Ukuhlunga. Njalo umshayeli wazama ukuthola amalungelo esigabeni 1st. Phakathi kwalesi simemezelo laqanjwa Goskomtrud ibhonasi iholo. ESigabeni leSisemkhatsini futhi inama inkampani. Namuhla, i-iziqu saziso enjalo manje. Kodwa uma umqondisi, waliyisa inkampani, ngeke ukukhansela kakade. Lokhu itholakala para. 3.8 "Isivumelwano Federal emgwaqeni futhi ezokuthutha ezweni."

iqembu

Indlela ukucacisa isigaba umshayeli ngaphansi kohlelo ubudala? Bonke baprofetha emithathu base zibalwa kusukela phezulu ukuya phansi. Kwasebenza njengesibonakaliso ngesisekelo yokuhlukanisa isibalo izigaba evulekile kwamalungelo:

  • "A" - motor yezokuthutha;
  • "B" - ugibele imoto;
  • "C" - nezimoto bezentengiselwano;
  • «D» - ibhasi;
  • "CE" - ezokuthutha-trailer esindayo.

Indlela ukucacisa isigaba umshayeli?

grade 3

Abashayeli iphathwa Leli qembu, ngubani wayevule isigaba «B» futhi «C». Kwakukhona nesinye iziqu. Esikhundleni "C" lalivulwa «D».

2 ekilasini

Ukutholakala isigaba ilayisensi «B» akudingekile kweqembu. Ngakho nakanjani kudingeka unemvume ukushayela ibhasi ( "D") kanye namaloli nge trailer ( "CE"). izimo Esamukeleka: «B + C + CE" noma «B + C + D» noma «D + CE". Amalungelo kulesi sigaba engunyaza emva kweminyaka emithathu lokushayela okuqhubekayo.

grade 1

Ukuze abasebenzi eziphambili aphathe abantu zonke izigaba ivulekile. Nakuba yaphawula ukuthi ukuba khona imvume usebenze ngezimoto akudingekile. Njengasendabeni yabase langaphambilini, amalungelo esigabeni sokuqala engunyaza emva kweminyaka emibili okuqhubekayo ukulawula iloli.

izinguquko

Lokhu ukushiyana kwezidalwa uwusebenzise. Indlela ukunquma ekilasini somshayeli namuhla? Inqubo isibe more xaka kusukela idokhumenti kukhona izigaba entsha:

  • «OKUFANELE» - imoto nge trailer;
  • «CE» - iloli eligcwele phama, trailer;
  • «DE» - ibhasi ne-trailer.

Ukuze amalungelo esigabeni sokuqala ukuvula «OKUFANELE» futhi «DE» ozikhethela.

Kuhlukaniswa for CTP

"MTPL" sibandakanya uhla eqondile amakilasi. Kukhona izingcezu 13 kuphela. Kukhona isigaba sakugcina phakathi abashayeli abafanelekile. Indlela bakuchaza? Uma umshayeli akanalo umlando umshwalense njengoba enjalo, khona-ke ishintshela "1". Lokhu kusho ukuthi lapho kubalwa izindleko inqubomgomo Baye bangeniswa akhawunti zonke izici, ngaphezu ukushayela umlando. Lapho ukunciphisa isibalo izingcingo inkampani yokukhokha yonyaka isigaba umshayeli lukhula.

Inkomba Parallel ibalwa MSC. Nge kungenzeka ukunciphisa zaminyaka yonke ngu-5%. Umuntu eyabelwe isigaba esiphezulu sokuhlukanisa "13" Ungamukela 50% isaphulelo lapho ukhokhela inqubomgomo. Eba ingozi ibangela ukwanda intengo inqubomgomo kanye ekilasini ukunciphisa.

Abashayeli lababelwe tinkhulumo ebangeni ubuncane (M), ukuthola inqubomgomo nge-premium ka 45% izinga elilungisiwe. Lesi simo kwenzeka uma umuntu izikhathi ezingaphezu kuka ezine ngonyaka isicelo izinkokhelo inkampani.

izindleko inqubomgomo

Lapho kubalwa izindleko inqubomgomo unendima ebalulekile ekilasini umshayeli. Indlela bakuchaza, it kuzoxoxwa ngokuningiliziwe ngezansi. Ingqikithi yalo izibalo simiswe ngalendlela lelandzelako: ayanda nelibanga, ephansi intengo. izindleko inqubomgomo enqunywe ngesisekelo izici ezine. Ake sihlole ngokuningiliziwe.

Uhlobo imoto

Izimali ezikhokhiswayo bhalisiwe ngokuhlukile amabhasi, amaloli nezimoto. Endaweni ehlukile, lapho is a division of yenza futhi amamodeli we izimoto ngesisekelo izibalo yokuthola bese kuba nengozi. I okuza ezifundeni akhiwa ngesisekelo idatha mayelana izingozi kuyo yonke imizi. Abashayeli Novice sabelwe eliphakeme, futhi wazibonela - ephansi.

ukushayela irekhodi

Kususelwa lesi silinganiso Inkomba ebalwe MSC. Njengoba kushiwo ngaphambili, Coefficient "ibhonasi-malus" kuthinta izindleko inqubomgomo.

ekilasini umshayeli

Yikuphi indawo kungacacisa ukuthi ekilasini CTP yokushayela? -X-ray umumo womsebenzi. Nansi indlela eyisipesheli sokubalwa. Udinga ukufaka idatha yomuntu siqu (igama, usuku lokuzalwa) kanye Inombolo yelayisense. Ukuphendula isicelo lonke ulwazi ngentando somshayeli, okungukuthi, umlando umshwalense wakhe. Lolu lwazi lusetshenziselwa hhayi kuphela abathengi, kodwa futhi izinkampani zomshuwalense. Indaba mayelana umuntu othize zingatholakala, ngisho noma ke yashintsha igama lakhe. A database efanayo kuyatholakala enkampanini yomshuwalense ngamunye.

Zonke izinkampani at basayine inkontileka nekhasimende kumelwe wenze idatha yayo kohlaka PCA. Akunandaba ukuthi lowo muntu phambi inkampani iklayenti noma cha. kwakhiwa umlando Umshuwalense phezu idatha kusuka zonke izinkampani zomshuwalense. Lokhu itholakala Art. 9 zoMthetho Federal № 40 "Ku-CTP."

Indlela ukuchaza umshayeli ekilasini for umshwalense ngokusebenzisa isayithi? Uma umuntu wokuqala osebenza umklamo inqubomgomo, kuqala lonke ulwazi wangena kwi-website ye izinkampani zomshuwalense. Uma kamuva osebenza ngoba inkokhelo, ulwazi isilungisiwe. Eqoshiwe idatha ubunjalo umonakalo, inani inkokhelo. Ngisho noma esikhathini abantu baphendukela kwenye inkampani, lonke ulwazi mayelana lilondolozwe. I umshwalense entsha ngeke hlola wonke umlando PCA egciniwe. Nakhu ukuthi sithole ekilasini umshayeli ngesikhathi MTPL ngokuvumelana RSA.

amasheke

Noma yimuphi umshayeli Ungahlola ulwazi mayelana ngokwabo kuwebhusayithi ngomshuwalense sika. Lokhu kumele kwenziwe njalo ngonyaka ne ukuthengwa kwepholisi. Lapho kubalwa izindleko inqubomgomo ukuqeda abantu iphutha isici akunakwenzeka. Isivumelwano bababonisa ukulandelana izibalo. Uma ukungafani atholakala, kuzomele uxhumane inkampani ukuthola ukuqaqwa. Ngokuvamile, lesi simo kwenzeka lapho beshintsha izinkampani zomshuwalense. Uma kukhona wenqaba azokuqhubela ukubala enemininingwane, kufanele uthintane ihhovisi lomshushisi.

sicelosikhalo

Ukuze uphikise izindleko inqubomgomo, udinga ukunikeza isitatimende lapho ibonisa:

  • ngokuyisisekelo isimangalo - ukudluliselwa amalungelo i-;
  • incazelo eningiliziwe izimo;
  • isicelo ukuthatha isinyathelo umshwalense futhi ukuqalisa kokuqhutshwa okuncike izikhulu;
  • idatha yomuntu siqu.

Imibhalo kubhekwa phakathi nenyanga. Ngokuvamile, ngemva kokuba inqubo enjalo inkampani ehamba yakhe zonke izibalo.

KBM

Ngaphambili, MSC ibalwa ngokuhlukile imoto ngayinye bese zero uma ukudayiswa yayo. Ngakho, kwanciphisela Isaphulelo phezu ukuthengwa kwepholisi. Le ndoda abathenge imoto entsha, kwadingeka ukuqoqa amaphuzu ngokuphindaphindiwe ukwandisa isigaba. Kusukela 2016 ukubala indlela washintsha. Factor inikezwa kumuntu hhayi emotweni.

MSC Ungase futhi ufunde indlela ukunquma ekilasini umshayeli engozini-free. Inketho eyodwa - ukubuka ulwazi kwi website PCA. I okufana yesibili - bheka ithebula ehlinzekwe ngezansi.

Class ekuqaleni konyaka

KBM

Class ekupheleni konyaka (*)

13

0.50

13 (7)

12

0,550

13 (6)

11

0.60

12 (6)

10

0,650

11 (6)

9

0.70

10 (5)

8

0,750

9 (5)

7

0.80

8 (4)

6

0,850

7 (4)

5

0.90

6 (3)

4

0,950

5 (2)

3

1.0

4 (1)

2

1.40

3 (1)

1

1,550

2 (M)

0

2.30

1 (M)

M

2,450

0 (M)

* Uma umshayeli ngonyaka nje isicelo yokukhokha, bese ngonyaka ozayo kuzoba isigaba, njengoba kukhonjisiwe kubakaki.

Indlela yokubona umshayeli isigaba imoto ekupheleni konyaka? Sidinga ukuthola lenani kuthebula isigaba, okuyinto waklonyeliswa umshayeli ekuqaleni konyaka, uphinde ukuqhathanise inani lezicelo izinkokhelo. Kuvele umshayeli osengumakad 'ebona inikezwa amamaki aphakeme "13" futhi uthola 50% isaphulelo (MSC = 0.5) ku ukuthengwa inqubomgomo. Indlela ukunquma ekilasini somshayeli ekuqaleni konyaka? Kuyinto ilingane nesibalo seminyaka nakho ushayela.

Ngokwesibonelo

ikilasi "5" inqubomgomo inkampani yomshuwalense umshayeli babelwe ingozi-free ukushayela futhi ithengiswe at isaphulelo of 10% (MSC 0.9). Uma kungakapheli nonyaka owodwa nje inqubomgomo, umshayeli icela yokukhokha, bese ngokuzayo yena yanikezelwa isigaba "3". Uma ngesikhathi unxusa inkampani kungenjalo, esabela "6" class of MSC 0.85. Okungukuthi, angathenga inqubomgomo nge-15% isaphulelo.

zenyathi KBM

Izinkampani zomshuwalense yahlukanisa leli isilinganiso has izinhlobo ezintathu:

  • ukushayela - kunqunywa umshayeli ngamunye ngesikhathi yomshuwalense;
  • umnikazi imoto;
  • isiphetho isetshenziselwa ukubala izindleko.

Kukhona seqiwe bese ubuncane index. On the lokuqala ukuthola isaphulelo on ukuthengwa inqubomgomo. Lapho inani eliphansi we nqubomgomo ethengisiwe 100% ngokujulile ukubaluleka kwaso. Nge ukwehla okunye kangcono ukubaluleka inqubomgomo.

isicelo

Ngu ayimpoqo kanye kokuvinjwa CTP Coefficient isicelo ehlukile. Isigaba sokuqala inkontileka ngawo njengobunengi bemiphefumulo ungeniswe ukulawula imoto lilinganiselwe. Ngakho, ngo-inqubomgomo isigaba sesibili, mingcele akusethwanga.

Coefficient kunqunywa umshayeli ngalinye ngokuhlukile. Ukubala isebenzisa Inkomba ngolwazi bonke abashayeli. Ake sithi, umshayeli igcinwe ukushayela ekilasini for nyaka. Isaphulelo ngeke anikezwe kumnikazi, bese umshayeli othile. Uma umnikazi wemoto ukuze izinguquko nyaka, MSC ngeke recalculated. Ukwandisa inani le-MSC kunyaka ozayo oyokwenziwa maqondana labo ziye zaba yimbangela yengozi.

Kubalwa izindleko

Ukubala wenziwa yilo algorithm. Okokuqala inqubomgomo inikezwa umshayeli ekilasini lesithathu. Uma bekungelona lumelele unyaka hhayi engozini olulodwa iqhaza lakhe, isigaba bese izokwenyuka ngonyaka ozayo. Uma kwakunebandla elilodwa isicelo yokukhokha, bese esigabeni izohlala injalo. Uma kwakukhona amabili noma ukwelashwa, isigaba kuyehla kube «M». Nge ukwanda ngamunye esigabeni encishisiwe MSC ekilasini. Ngakho, isaphulelo ezikhulayo. Ngokwesibonelo, uma uya ikilasi "4" inikezwa kumtshayeli MSC 0.95, okusho ilungelo isaphulelo 5%.

izici

MSC incike ukushayela ingozi-DRM. Ukwabela Coefficient ukwenziwa izinqubomgomo CTP, ukuba yiqiniso kwalesi okwaphela ngonyaka odlule. izinkontileka ezikhona kosomabhizinisi kungukuthi kunakwe. Okusho ukuthi, uma ungeke ukwazi ukubala umshayeli MSC, futhi ishintshela isigaba "1".

Futhi nakho ebalulekile umshayeli. Umnikazi wemoto, futhi wavuma ukuba ubuso ukushayela ezocatshangelwa ngokwehlukile. Ikilasi is recalculated okwamanje uma udinga ukwenza izinkokhelo traffic yengozi lapho umshayeli inecala. Lokhu kunciphisa premium umshwalense. Isaphulelo on ukuthengwa inqubomgomo inakekelwa ngisho noma iklayenti useshintshe enkampanini yomshuwalense.

Sokuzindla ulwazi ngenqubomgomo

Hhayi kudingwa wumthetho faka idatha MSC umshayeli futhi umnikazi inqubomgomo. Kodwa ngomshuwalense ingenza njalo ngesisekelo ukuphathwa kwe-oda yangaphakathi. Ngokuvamile, lokho kwaziswa kutholakala ebekiwe phambi Igama umnikazi imoto ngayinye ogunyaziwe umshayeli. Ngezinye izikhathi ukuqopha kwenziwa "Special Amanothi" ikholomu.

isiphetho

MTPL umshwalense uhlelo okucatshangwa ukhuthaze abashayeli abanolwazi futhi kunembile. Emazingeni aphezulu kanye ilungelo ukushayela ikhasimende uthola isaphulelo 50% kwi ukuthengwa kwepholisi. Ngo izibalo abashayeli awela nezigaba ezithile. Indlela ukucacisa okungenani isigaba umshayeli? Sikhishwe inani izicelo izinkokhelo kanye nomlando ushayela, ungakwazi ukubuka sibalo eqondene kwi website PCA noma itafula ekhethekile.

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