Class "ibhonasi-malus" - kuyini? Class "ibhonasi-malus" Wazi ngani?

Izindleko kwenqubomgomo liqukethe inani base okuyinto buyehluka nezici ezithile. Bathembele amandla emotweni, ubudala futhi eneminyaka engu-umshayeli kanye neminye imingcele. Enye yezinto i-class of "ibhonasi-malus". Kuyini lokhu? Njengoba-ke ukubala? Lisho ukuthini leli sibalo incike? Izimpendulo zale mibuzo, funda ku esihlokweni.

definition

XRD owethulwa Coefficient esetshenziswa lapho kubalwa inani okwesikhathi CTP ethile futhi imoto - ". Malus-ibhonasi" Class Kuyini lokhu? Ikhumbula izinguquko ukubaluleka base izinga nothile kukhulu panacea abashayeli olunembile abanokuhlangenwe nakho eside ukushayela ingozi-DRM. Ukuze abantu abanale abenzi bokubi kwaba ingozi, kungase kube nomphumela omubi - ukwandisa yokugibela ngo izikhathi 2.5.

Class "ibhonasi-malus" (MSC) - isaphulelo for a ride kucocekile. Izinkampani zemishuwalense unesithakazelo abashayeli olunembile. Ngandlela-thile umvuzo wabo tariff inikeza okuza, ukuhlinzeka izaphulelo kumakhasimende. Izinkampani zomshuwalense Inkomba yasungulwa ngu MSC, okuyinto unomthwalo ukushayela ingozi-free futhi inikeza isaphulelo ka-5% ngonyaka ngamunye. Ikhumbula kuphela ingozi lapho wenkokhelo kwenziwa.

Njengoba MTPL insures umonakalo odalwe umnikazi kwenqubomgomo besithathu, kulesi simo, ikhumbula kuphela ingozi, okuyinto kwaba umsunguli we iklayenti. Izigameko, kuhlanganise ehlotshisiwe ngaphandle kobukhona traffic amaphoyisa (ngaphandle evroprotokol) akubalwa. Isihloko inkontileka kuwumthwalo womshayeli we, hhayi impahla. Ukuze ukulahlekelwa ukwenza kuhlinzekelwe izinhlawulo, ezingasetshenziswa ukwandisa kakhulu izindleko inqubomgomo. Lokho ride elingenazinkinga iklayenti ithola "ibhonasi", kodwa lokho kwaba obangela ingozi - "malus". Yingakho igama lalowo inkomba.

Indlela ukunquma ekilasini "ibhonasi-malus"?

Ngokuzenzakalelayo, MSC Ayibalwa ku-SAR inkampani semininingwane - ke baloba idatha ku izinkontileka langaphambilini, ekhishwe kumuntu imoto. Lokhu kubalwa i-ejenti ye-isakhamuzi izikhalazo Empeleni. Luyakukhahlela kahle ibe nomthelela ekubeni SAR data base ekupheleni inkontileka wamanje. Lesi sibopho is kuvikelwe uMthetho "Ngo ayimpoqo". Ngo umkhuba, kuyaqabukela kwenziwa. Hlola isigaba "ibhonasi-malus" kungaba hhayi kuphela inkampani yomshuwalense, kodwa futhi nge website RSA. Ifomu ekhethekile edingekayo ukuze ucacise ikhodi VIN, igama futhi idatha passport. Umphumela izokwethulwa ngendlela wamaqhuzu leenomboro kufika ku 2,45.

izinhlobo okuza

Kukhona 13 amakilasi angu-MSC - ngezikhathi Abashayeli 'nangale, kuye ngokuthi inani izingozi kanye nezinkokhelo umshwalense ngabo (umnikazi Inqubomgomo okungenzeka bahlukunyezwe, kodwa hhayi ingozi ibangelwa).

Ngenxa yalesi etafuleni, ungakwazi ukuthola kalula Coefficient a "ibhonasi-malus". Inqubo sibalo kuso nokusenza umkhuba le nkomba, kuzoxoxwa ngakho ngokuningiliziwe ngezansi. Imithetho jikelele for ukusetshenziswa etafuleni ungabona kule isampula. Umshayeli KMB Ebangeni lesithathu. Ucabanga Inqubomgomo MTPL nge 0.9 Coefficient. Uma kuwukuthi umnyaka ngaphandle izingozi yokugibela, bese uthola lesithupha kanye nosayizi 15% isaphulelo. Kodwa uma umshayeli ngeke kuvuse ingozi, isigaba kuyehla kube 3. Uma kuwukuthi 2 engozini - okuthile 1. Yonke inqubo is yaphinde yaqhubeka. Ngonyaka kungase kwandise isigaba esisodwa kuphela. Uma, ezinyangeni eziyi-12 umshayeli hhayi ukuthathelwa umshuwalense ku CTP, ulwazi ngaye kumila SAR ngokuzenzakalelayo kabusha.

izibonelo

Man Agasti 9, 2014 okokuqala wathenga Inqubomgomo MTPL isikhathi esingaphezu konyaka. Phakathi nenkathi yokubika, akalokothi wangena ingozi. Ibhonasi "-malus" wabeka off ekilasini. Wazi kanjani ubukhulu bakhe? Ekuqaleni, umshayeli yabelwe ekilasini lesithathu futhi ukubaluleka Inkomba 1. Ngemva konyaka, ride Lihle grade yakhe 4th nokubaluleka Coefficient ka 0.95 bayonikezwa.

Isibonelo eziyinkimbinkimbi. Agasti 8, 2015 okokuqala umuntu oVikelwe imoto futhi iminyaka 5 abakutholanga bese kuba nengozi. Ngo-2020, wayenomthwalo wokusingatha noma izingozi ezimbili. class of "ibhonasi-malus" abayovuswa kuleli cala. Kuyini lokhu? Eminyakeni emihlanu 'ikhefu-ngisho' umshayeli wathola 8 MSC ekilasini. Kodwa ngemva izingozi ezimbili inkomba Ngafaka yesibili nge value of 1.4.

Indlela yokusebenzisa MSC kuya umshwalense ovulekile futhi elinganiselwe

Ngokusho idokhumenti "Ukulinganisela abekelwe emaceleni ezinobukhulu," ikilasi ibalwa kusukela idatha umnikazi maqondana imoto. Ngokusho isivumelwano, akunamkhawulo ku njengobunengi bemiphefumulo ungeniswe ukuphathwa imoto. Isaphulelo kunqunywa ngesisekelo idatha mayelana imoto futhi isigaba yempi, lapho ngaphambili. Uma lolu lwazi olahlekile, umnikazi sabelwe Class 3.

Uma inqubomgomo eyakhishwa esingenamkhawulo ukuthi abashayeli, Coefficient uzimisele umnikazi wemoto. KBM - isici umshayeli, yakhe ukuziphatha ukushayela, hhayi imishini. Uma inqubomgomo aletha abantu 5, uma kwenzeka sezinga lezingozi kwehle onecala kuphela, hhayi bonke abashayeli.

Uma ngaphambilini umuntu wesithathu iye wangena Inkontileka umshwalense elinganiselwe, bese umshayeli isinqumo ukukhipha MTPL ngenombolo enkulu abashayeli, ukuze silondoloze izaphulelo kwinqubomgomo kumele icacise omunye (abangane, izihlobo noma abangane), ngakho njengoba singalahlekelwa izinga wathola.

Njengoba isicelo kwi-MSC umshwalense elinganiselwe?

Kulokhu, izindleko inqubomgomo ibalwa isigaba esincane sabantu afakwe inqubomgomo, futhi umlando kugcinwa for umshayeli ngamunye. Isibonelo: MSC lokuqala kubonisa 0.6 umshayeli, kwesibili - 0.9. Ekubaleni CTP azosethwa ukuba 0.9.

amaphutha

Ngezinye izikhathi, ayicele nayo ukuyiqhubela elingenazinkinga nakho okuhle, kodwa kwedatha uboniswa ekilasini aphansi "ibhonasi-malus". Kuyini lokhu? Izizathu ezimbili zingenzeka:

• umshayeli hhayi ukuthathelwa umshuwalense ukuze ikhalenda lonyaka odlule, futhi wayengekho kwenye inqubomgomo njengoba umuntu ogunyazwe ukuphathwa TC;
• inkampani yomshuwalense umane ulilethele ulwazi SAR data base.

Inkinga yesibili ezivamile. Futhi alikho ukunganaki izisebenzi, futhi ukuthi ulwazi singenelwe database ngesandla. Ngenxa amaphutha kungenzeka noma ekukhohlweni. Izindaba ezimbi ukuthi ukubuyisela "bezavariyku" ngeke ezinkantolo. Okokuqala udinga ukuqinisekisa ukuthi ibhonasi reset. Ungenza lokhu ngokuxhumana umshwalense noma ngokuzimela ukuqinisekisa ulwazi kusayithi. Okulandelayo udinga ukusebenzisa ngqo PCA, okuyinto ucacise izinqubomgomo owedlule futhi nenombolo wamanje MTPL ukuze abasebenzi kungaba bayaqiniseka ukuthi izingozi uke waba. Lokhu kulandelwa isikhalazo ukuze ngomshuwalense e Central Bank of Russia. Uma lezi zinyathelo musa asize, une ukuya enkantolo.

imikhawulo

CTP inkontileka okuyingxenye kuyinto izinyanga esingaphansi 12. Umshayeli isaphulelo esifanele "inzuzo" - uhlobo "ibhonasi-malus". Ngazi kanjani lemali imali? Lutho. Ngokomthetho, MSC ngeke zisebenza inqubomgomo, okuyinto isebenza unyaka ongu-1.

isiphetho

Izinkampani zemishuwalense unesithakazelo i umshayeli osengumakad 'ebona, ngubani isikhathi eside, kahle elawulwa imoto. Nge-MSC isici kwakuhloselwe ukhuthaze abantu abanjalo. Yena unesibopho ekukhishweni kwethenda ka abashayeli "inzuzo" futhi ajezise labo ngokuvamile uthola zibe ingozi. Kanjani ukubala ekilasini "ibhonasi-malus"? Ukuze unyaka ngamunye ride Lihle umshayeli uzothola isaphulelo 5%. Endabeni i isilinganiso umshwalense wenkokhelo kwandisa, futhi iklayenti kumele akhokhe imali ethe xaxa ngoba inqubomgomo.