CTP amakilasi and definition yabo

izinqubomgomo MTPL abiza Nokho kulawulwa Central Bank, kodwa hhayi bonke abashayeli okufanayo. Kukhona okuthiwa CTP amakilasi ukuthi wabelwe nabanikazi bezimoto kuzinto eziningana. Isihloko likuchaza ngokuningiliziwe mayelana lokho MTPL ekilasini umshwalense: indlela ukucacisa lesi sibalo kanye lokho kuthinta.

Ingozi-free isaphulelo

Lapho nokwelula inqubomgomo amasheke umshwalense ukuthi yangenkathi le ngozi. Lokhu kwenziwa yini ukuthi bayabakhathalela lutho. Uma umuntu oshayela imoto ngokucophelela hhayi ezingozini zemigwaqo, kucatshangwa Isaphulelo kumasevisi umshwalense motor e inani ku-50%. Lokho ukubaluleka nqubomgomo kushintshwe isici okuthiwa ibhonasi-malus (MSC).

Kungani inkampani yomshuwalense uzimisele ukukhokha esingeziwe ukushayela olunembile? Nanguya inzuzo. Ake nje leyo ndawo ilahlekelwa ingxenye inzuzo, okwenza isaphulelo, lezi zindleko angaphansi kuka uma kwakudingeka akhokhe isinxephezelo engozini. Ngakho-ke, abanikazi imoto kwavusa ukuthuthukisa ukushayela kahle, ukuhlinzeka isaphulelo 5% ngonyaka ka-ukushayela ngayinye "ngaphandle kwenkinga." Lena ibhonasi. Kodwa ukushayela angenandaba, okuholela izinkinga endleleni, futhi izindleko yomshuwalense isinxephezelo, enqwabelene inhlawulo-malus.

Ngasekuqaleni kwaleli isilinganiso magic kwakuxhumene imoto ethize, kwaba kubonakala kuphatheke kabuhlungu kakhulu. Phela, umnikazi imoto lapho ukuthengisa imoto elahlekile zonke amabhonasi. Ngakho-ke, kusukela ngo-2008, umlando umshwalense ixhunyiwe nomuntu, hhayi imoto.

Hhayi iphahlazeka, kodwa hhayi ngempela

CTP eqala umshwalense icala, kunokuba impahla. Uma sikubeka kalula, ikakhulukazi ezimweni lapho kwesamba akuyena obangela okwenzekile, musa kuthinte izindleko inqubomgomo. Ziyabhekelelwa kuphela labo izingozi lapho senzeka ukukhokhelwa umshwalense (uma pholisi esasiphethe le ngozi). Ezinye izindaba zika-ingozi, okuyinto, isibonelo, asebenzisa evroprotokol noma akubhalwa amaphoyisa womgwaqo, azinandaba.

Uma umnikazi imoto awenzanga iphutha ngesikhathi kwehla ingozi yomgwaqo, ke izaphulelo ayiyi ndawo. Kanye uma kwenzeka ukuthi unesandla, kodwa "akekho oye wabona", futhi abahlanganyeli abavumile, ngaphandle kokwazisa amaphoyisa omgwaqo.

MTPL ekilasini

Ekugcineni sifika kakhulu umqondo 'CTP amakilasi. " Igama elithi kuhlobene eduze Coefficient ibhonasi-malus, okuyinto sibuyekeze ngenhla.

A ekhethekile ilebula, umqondo, Coefficient okuyinto ukubaluleka inikezwa ngaphansi kwezimo ezihlukahlukene. Njengoba singabona kusukela kuqala amakholomu amabili, isigaba esithile sifana MSC.

Isaphulelo ibalwa ngokukhipha Coefficient ubunye futhi banda Chile nge 100%. Ngokwesibonelo, uma MSC kuyinto 0.85, isaphulelo kuyoba:

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

MTPL ekilasini umshwalense akusho kuphela zincike kangaki umnikazi imoto ingena engozini, kodwa futhi ku isipiliyoni ukushayela.

Yini enquma isigaba MTPL

Iklayenti, ubani aqale wacela inqubomgomo, uthola isigaba 3rd ejwayelekile nge value of 1. Ngemva kwalokho ukupela umlando umshwalense wakhe.

Minyaka yonke kusukela ngaphandle ingozi, kuzonciphisa izinga. Okusho ukuthi, uma isandiso kwenqubomgomo 3rd ekilasini ushintsho on the 4th nge ibhonasi-malus 0.95 no-5% isaphulelo. Uma yengozi, isigaba, kunalokho, lehla, futhi intengo linyuka inqubomgomo.

Ngazi kanjani ekilasini CTP yami

Manje njengoba sesikhulumile ngo eqonda imigomo, sekuyisikhathi ukuthola indlela yokuthola umshayeli ekilasini CTP. Eqinisweni, ukubala isaphulelo Ukukhishwa inqubomgomo kudinga umlando umshwalense yomnikazi imoto. is ke egcinwe kuphi?

Uma umnikazi imoto esetshenziswa amasevisi we umshwalense esifanayo, ngokwanele ukuba zisebenze inkampani yakho. Isisebenzi uzodinga imizuzwana embalwa nje ukuhlola MTPL ekilasini semininingwane yangaphakathi futhi ukucacisa izindleko isandiso kwenqubomgomo.

Uma umshayeli banquma ukuzihlela kabusha izinto umshwalense, kuyodingeka ukubuza odlule "umnakekeli" inombolo ifomu isitifiketi 4, equkethe ulwazi mayelana umlando alamu. Document inikezwe phakathi nezinsuku ezinhlanu.

Nokho, lokhu akusho ngaso sonke isikhathi kudingeka usizo. Iningi lezinkampani umshwalense zisebenzisa base-SAR ngisho ukunikeza kumawebhusayithi wabo ku amakhasimende abo ithuba abale izindleko inqubomgomo ngesisekelo lezi idatha. Akuvamile, kodwa kuyenzeka ukuthi isigaba elicacisiwe inqubomgomo.

Ngezinye izikhathi inkampani entsha ezizenzakalelayo ufake eyodwa imfundamakhwela. Akufanele kube phansi phezu amabhuleki, ngoba kulesi simo izolahleka umlando umshwalense.

Yazi ekilasini lakho siqu

Anqume ekilasini MTPL zingaba ngabanikazi, ngaphandle wenziwa ngomshuwalense. Kuyinto ngokwanele ukusizakala uphawu ngenhla.

Nge ngowokuqala amakholomu amabili, sesikubonile esiphethweni: amakilasi kanye MSC. Asele amakholomu ezinhlanu bamele linani lemacala umshwalense ngonyaka odlule. 0 - lena akukho ngozi. Ngakho, 4+ kubonisa khona izingozi ezine noma ngaphezulu.

Amanani amakholomu - futhi amakilasi. Ngokwesibonelo, imfundamakhwela umshayeli ukuthi kuwina bani inqubomgomo yokubhaliswa ekilasini lokuqala lwesithathu futhi KMB 1, ukuhamba ngonyaka ngaphandle izingozi. Ngokuvumelana isigaba 3 rd, sibona ukuthi uziro ezingozi eyabelwe grade 4. Uma kwakukhona ingozi eyodwa, 1st. Class 1 oluhambisana Coefficient 1.55. Sibheka:

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

Ngakho, umshayeli uzokhokha lapho kokuvuselela inqubomgomo 55% ngaphezulu. Kodwa lokhu akulona ukuqondanisa embi kakhulu. Kodwa uma kuyoba izingozi ezimbili, isigaba M lizokwabelwa, futhi ukuphuma bese ubuyela iyunithi, kuyothatha iminyaka emihlanu.

Njalo lapho lokukhokhelwa umshwalense ejenti iholwa umugqa omunye etafuleni, okuhambelana wamanje ekilasini umshayeli.

Kodwa ungenza ngaphandle yokukhokha ngokuvakashela PCA futhi kweso ukwazi MSC yakho ngokufaka kwifomu olukhethekile igama kanye nenombolo ilayisense yokushayela.

Uma abashayeli amaningi

Kuthiwani uma inqubomgomo liqoshwe abanikazi imoto eziningana kokuba ezahlukene ekilasini umshwalense MTPL? Indlela ukucacisa intengo inqubomgomo kuleli cala?

Kulesi simo, izindleko ibalwe ngokwendlela izinga eliphelele. Ngokwesibonelo, ezintathu umshayeli kufakwe CTP: ngesikhathi MSC sokuqala 0.6, owesibili - 0.7, kanti eyesithathu - 0.9. Okukushoyo Inqubomgomo Isici 0.9 iyothathwa, futhi isaphulelo kuyoba 10%.

Uma isibalo abashayeli ayisethelwe kwemikhawulo, ibhansela malus kuxhomeke ekutheni yokukhokha umshwalense senziwa phezu enkathini yokugcina inkontileka.

Mayelana izinkampani zomshuwalense abonakele namaphutha lobuchwepheshe

Umbuzo ezinengqondo kuphakama: kungani umnikazi imoto udinga ulwazi zendlela yokuthola umshayeli MTPL ikilasi, uma yonke idatha isikhathi eside afakiwe uhlaka jikelele, futhi izinkampani zomshuwalense ahlale abantu abaqeqeshiwe abakwaziyo ukubala amanani kwenqubomgomo?

Inkinga wukuthi ngaso sonke isikhathi ukwenza lezi abasebenzi sinonembeza omuhle. Futhi ungakwazi ngokunenzuzo zokungazi ikhasimende ukuba simnike imali ejwayelekile, futhi ngokwenza kanjalo walenza overpayments.

Ngisho noma lo umshwalense ngenhloso okushintsha ikhasimende ekilasini, okungase kwenzeke ngenxa yokwehluleka lobuchwepheshe noma eyiphutha kufakwa.

Uma CTP ekilasini kwinqubomgomo nganoma yisiphi isizathu ukushintsha, umlando omusha umshwalense iqala - ne ekilasini lokuqala. Futhi idumela yokushayela uzobe kwakhiwa kabusha.

Ngakho-ke akutuseki ukuthenga nomshuwalense inkohliso ukulondoloza imali. Phela uma umnikazi imoto CTP ubabonisa ekilasini somshayeli kunqunywa okusekelwe umlando ukushayela wakhe, futhi ngesisekelo lezi idatha, ukubala amanani. Uma umlando onjalo lapho, zonke izaphulelo uzosha.

Indlela ukusindisa ku MTPL

Intengo nqubomgomo ithinta CTP amakilasi hhayi kuphela, kodwa futhi nezinye izinto. Ngokwesibonelo, amazinga indawo iyashiyana yakithi. Abanye abashayeli uhlakaniphile ukuhlobisa izimoto zabo yesihlobo endaweni lapho isilinganiso indawo ingaphansi, kuyilapho bona uye ku amandla jikelele nommeli.

Kubalulekile futhi obani wangena ngaphezu umnikazi inqubomgomo imoto. Umshwalense akugcini lezo ungaphatha ezokuthutha kuyabiza kakhulu. Kuthe bengena Inqubomgomo abantu abangafuni ukuya kahle noma nje kuze banobufakazi ukushayela kancane, kubabangele izindleko ezingenasidingo.

Ekugcineni, uma umnikazi imoto ushayela imoto akuyona njalo, kodwa, isibonelo, isikhathi efudumele konyaka kuphela, khona-ke akwenzi mqondo overpay unyaka wonke. Enough ukuthenga umshwalense izinyanga ezimbalwa.

Manje siyazi ukuthi amakilasi CTP, abakwenzayo, kanye nendlela ongayibona ngayo kubo.