Indlela yokuqinisekisa ubuqiniso bomshuwalense we-MTPL ngezindlela ezihlukahlukene

Kulesi sihloko sizofunda ukuthi singaqinisekisa kanjani inqubomgomo yomshuwalense we-OSAGO ngobuqiniso, futhi kungani. Ungakhathazeki: ukuthola umbuzo kuthatha isikhathi esithile, kodwa uzokwenza i-prophylaxis ezinkingeni eziningi ezihlobene nokuba khona komshuwalense "wokukhohlisa".

Kungani uhlola ubuqiniso be-OSAGO

Njengoba i-OSAGO ingenye indlela "isibophezelo", abanye abashayeli bacabangela ukutholakala kwayo ngendlela ejwayelekile futhi abahlukumezi ngokuqinisekiswa kwayo.

Futhi kuyize! Ukuhlola ubuqiniso bomgomo we-OSAGO ngenombolo - kungumzuzu owodwa, kodwa le mizuzwana engamashumi ayisithupha izokulondoloza ezinkingeni ezinkulu kakhulu. Okokuqala, uma kuvela ukuthi umshuwalense wakho uyinkohliso, icala elivulekile lingavulwa ngokumelene nawe ngaphansi kwe-Article 327 ye-Criminal Code "Ukubanjwa Kwamadokhumenti".

Okwesibili, uma kwenzeka ingozi ngenxa yephutha lakho, kuzodingeka ukhokhele umonakalo ngokwakho izindleko. Inkampani yomshuwalense ayikukhathazi uma ngabe uyazi ukuthi inqubomgomo yakho "iyiphutha", noma cha. Uma le dokhumenti lingamanga, lesi sivumelwano asiphethwanga. Ngakho-ke, inkampani ayitholanga i- premium yomshuwalense evela kuwe, futhi akukho nxephezelo evela kuyo.

Kule nkinga, ungaxhumana kuphela namaphoyisa ukuthola abathungi abakuthengisile inkohliso bese bebuyisela umonakalo kubo. Futhi lapha akukho ziqinisekiso zokuphumelela. Ngakho-ke, kulula ukubeka izinsalela bese ubuza kusengaphambili indlela yokuhlola inqubomgomo yomshuwalense ka-OSAGO ngobuqiniso.

Isheke esheshayo nge-intanethi

Indlela elula kakhulu yokuqinisekisa ukuthi konke kuhambisane nomshwalense wakho "ukuphulukana" ngokusekelwe kwi-RSA (i-Russian Syndicate of Insurers). Ukuze wenze lokhu, udinga ukuvakashela isayithi le nhlangano futhi uqinisekise ubuqiniso be-MTPL inqubomgomo ngenani lamadijithi ayishumi.

Akudingekile ukulinda ukuthengwa komshuwalense ukwenza lo msebenzi. Ukuhlola kungenziwa kahle ngesikhathi sokuthengiselana. Uma uya ukwenza OSAGO, thatha nawe ifoni noma ithebhulethi ephathekayo ene-Internet. Buza i-ejenti ifomu azokwenza idatha yakho, bese usebenzisa isayithi le-PCA ukuqinisekisa ubuqiniso.

Uma "isiqeshana sephepha" sinesimo esinqunyiwe, esilahlekile, esbiwe, bese ungathengi inqubomgomo enjalo. Futhi, uma uthola ukuthi ifomu linikezwa enye inkampani yomshuwalense, esikhundleni salowo ohlose ukuphetha inkontileka, khona-ke ukubambisana kufanele kushiywe.

Ngendlela, ngosizo lwe-database ye-RSA awukwazi kuphela ukuqinisekisa ubuqiniso bemgomo we-MTPL, kodwa futhi ufunde ngokuphila kwayo khona, uma ulimele ngengozi. Ngenombolo eyodwa yokubhalisa yedwa ungathola ukuthi kukhona yini umshuwalense we "owenzayo" wakho.

Ukungahambi kwalendlela ukuthi ukungabi khona kwepholisi ku-database akubonakali ukungalungi kwayo.

Ukuhlolwa okubukwayo

Kungenzeka ukuhlola ubuqiniso benqubomgomo ye-OSAGO ngaphandle kwedatha ye-RSA, uma kuhle ukwazi ukuthi yiziphi izimpawu zokuvikelwa amafomu ale dokhumenti. Ake ubheke umshuwalense wakho futhi uqiniseke ukuthi unezici ezibalulwe ngezansi.

1. Idokhumenti ine-tint eluhlaza. Uma uthola i-CTP ngemuva kukaMeyi 1, 2015, uchungechunge lomgomo kumele lube yi-EEE. Uma kungekudala ngaphambi kwalolu suku, yi-BBB. Okunye kochungechunge akusetshenzisiwe, futhi amafomu aluhlaza okwesibhakabhaka.
2. Okungenalutho kungamamitha amabili ubude obude kunomshini wefomethi ejwayelekile ye-A4 (210 x 297 mm).
3. Inomboro yenqubomgomo iqukethe izinhlamvu eziyishumi futhi inokusiza (okungukuthi, ingahle ifakwe).
4. Uhlangothi olungaphambili lomgomo lunokuthungwa okhethekile. Ethintweni, ihluke ephepheni elivamile futhi lifana nendawo ebhalwe phansi.
5. Ngemuva kunezintambo zensimbi 2 mm ububanzi. Kumele kube ukudonsa futhi ngezinga elifanayo nephepha, okungukuthi, uma uzizwa ukuthi akuzizwa likhululekile.
6. Umdwebo we-guilloche ohlangothini olungaphambili unempilo.
7. Phezu kwento engenalutho kukhona amancane amancane ombala obomvu. E-ultraviolet, zikhanya, kodwa akunakwenzeka ukuba zihlolwe endaweni efuywayo. Kodwa ukukhohlisa i-villi akulula njengoba kubonakala, ngakho-ke ukuphila kwazo kakade kudala ukuzethemba.
8. Uma ucabangela ifomu ekukhanyeni, i- "SAR" ye-watermark kufanele ibonakale.

Ngamanye amazwi, amafomu awavikelwe kabi kunama-banknote. Ngakho-ke, kuyinto engokoqobo ukuqinisekisa ubuqiniso bomgomo we-OSAGO kuphela ngosizo lokuhlolwa okufanayo kanye nomuzwa. Noma kunjalo, abakwa-scammers abakwazi ukulala, kodwa ubuchwepheshe buyathuthuka. Ngakho-ke, isiqiniseko esingu-100% sokuhlolwa okunjalo ngeke senzeke.

Ukuxhumana nenkampani yomshuwalense

Mhlawumbe awuthembi izindlela ze-elekthronikhi nokutadisha okubukwayo, noma lezi zindlela azange ziholele ekutheni kube nomphumela ongathandeki. Khona-ke akukho lutho oluhlala, ngaphandle kokuqinisekisa ukuthi ubuqiniso benqubomgomo ye-OSAGO ngokuxhumana nenkampani yomshuwalense ngokwayo. Chaza kubasebenzi ukuthi unezinsolo, futhi ucele ukuthi ubone ukuthi kukhona isivumelwano nawe yini ku-insurer database.

I-Electronic OSAGO

Ngokuhlukile kuyadingeka ukutshela ngezinqubomgomo ze-elektroniki ze-OSAGO, ezaqala ukukhishwa kusukela ehlobo lika-2015. Njengoba indlela enjalo yokubona i-autocitizen inezinkinga eziningana, uma nje itholakala kuphela kumakhasimende akwa-Rosgosstrakh, i-RESO-Garantii, i- Renaissance Insurance ne- SK Tinkoff.

Ukuze uhlole inqubomgomo ye - elektroniki ye-OSAGO ngobuqiniso kungenzeka kuphela ngokuxhumana nenkampani yomshuwalense noma imininingwane ye-RSA. Kubonakala lokhu akukwenziwanga. Kodwa kuncane kakhulu ithuba lokuthola inkohliso. Ingabe lokho kungalindelekile kakhulu. Phela, lo mbhalo uhlelwe ngqo kwiwebhusayithi esemthethweni yenkampani yomshuwalense. Kwanele ukugcina izinyathelo zokuqapha:

1. Uma wenza idokhumenti, qinisekisa ukuthi empeleni ungosayithi esemthethweni yenkampani yomshuwalense - hlola ikheli layo endaweni efanele yesiphequluli.
2. Yeka ukuthenga umshuwalense kuwebhusayithi ye-agents, ngisho noma isaphulelo esibalulekile sinikezwa. Umphathi wezimoto angeke athengiswe ngesaphulelo, amanani ayo alawulwa yiBhange Elikhulu. Thola inqubomgomo kuphela kwiwebhusayithi yenkampani yomshuwalense!

Uma kutholakala amanga

Uma kwenzeka ukuthi umshuwalense wakho "i-linden", masinyane ubhekane nokubunjwa kwalo mgomo. Bese uthatha umkhondo emaphoyiseni bese ubhala isitatimende. Ngakho uzokuzivikela ekumangalelweni kokuqamba kwamadokhumenti.

Manje uyazi lapho ungabheka khona inqubomgomo ye-OSAGO ngobuqiniso, nokuthi ungakugwema kanjani ukukhwabanisa kobugebengu. Qaphela!