Class "bonus-malus" - he aha te mea te reira? Class "bonus-malus" pehea e mohio koutou?

Utu o te kaupapa here ngā te auau turanga e rerekē rite ki etahi āhuatanga. whakawhirinaki ratou i runga i te kaha o te waka, tūranga matua me te tau o te taraiwa me te tahi atu tawhā. Ko tētahi o nga āhuatanga ko te piha o "bonus-malus". He aha te mea te reira? Ka rite ki te tatau i te reira? He aha e tei tenei ahua? Ko te whakautu ki ēnei pātai, lau i roto i te tuhinga.

whakamāramatanga

XRD whakaurua whakarea i whakamahia te ka tātai i te uara mō te CTP ngā me te waka - ". Malus-bonus" Class He aha te mea te reira? Ka mau ia ki pūkete te huringa i roto i te uara o te auau turanga ki te rā ko te raau rapaau no te taraiwa tika nei i te wheako roa o te aituā-free taraiwa. No te tangata nei i kua perpetrators o te aituā, ka taea e whai reira te pānga ritenga - ki te whakapiki ake i te ekenga i te 2.5 wā.

Class "bonus-malus" (MSC) - he hekenga mo te hoiho i tau. kamupene Insurance e hiahia i roto i te taraiwa tika. Io ratou utu i roto i te tāke whakarato whakarea, whakarato pä ki kiritaki. I whakawhanakehia ngā kairīanga taupū e MSC, i te kawenga mō te aituā-free taraiwa me whakarato te hekenga o te 5% mō ia tau. Ka mau ia ki pūkete te aituā anake i roto i nei i hanga te utu.

Ka rite ki MTPL roaa kino meinga e te rangatira o te kaupapa here ki ngā rōpū tuatoru, i roto i tenei take, tango ki pūkete te aituā anake, i ko te Take o te kiritaki. Mahinga, tae whakapaipai waho te aroaro o āpiha pirihimana waka (anake evroprotokol) e kore e kiia. Ko te kaupapa o te kirimana, ko e fatongia o te taraiwa, e kore te taonga. Hoki te mate-hanga whakaratohia hoki whaina, e taea te whakanui ake nui te utu o te kaupapa here. Ko te heka raruraru-free mo te kiritaki e tango i te "bonus", engari mo te mea i te kawenga mō te te aituā - "malus". No reira te ingoa o te tohu.

Me pēhea te ki te whakatau i te piha haapiiraa o "bonus-malus"?

Na roto i te taunoa, e kore e whakaurua te MSC i roto i te kamupene pātengi raraunga SAR - tuhia reira raraunga i runga i ngā kirimana o mua, puta ki runga ki te tangata, me te waka. tatau tenei e te kaihoko o te meka piira tangata. ka whai wāhi te reira ki te turanga raraunga SAR i te mutunga o te kirimana o nāianei. noaa tēnei titauraa ko ture "I mātua". I roto i te mahi, kei te uaua whakamana reira. Tirohia te piha haapiiraa o "bonus-malus" taea e i roto i te kamupene inihua e kore anake, engari ano hoki mā te paetukutuku RSA. he tika te puka motuhake ki te tautuhi i te waehere vin, ingoa me nga raraunga o te uruwhenua. Ka te hua e te aroaro i roto i te puka o te whānuitanga tau ki runga hautanga ki te 2.45.

momo tau whakarea

E 13 ngā akomanga o te MSC - i te wā atekōkiri 'a tua atu, i runga i te maha o ngā aituā, me utu inihua mo ratou rānei (kia pāngia ai te rangatira kaupapa here, engari e kore e te aituā kaiwero).

Hoki tenei tepu, ka taea e ngāwari kitea e koe i te tau whakarea i te "bonus-malus". Ka te tukanga o te tātaitanga, me te mahi o tenei tohu e kōrero i roto i te taipitopito i raro. ture General mo te whakamahi o te tepu taea kite koe i roto i tenei tauira. Ko te atekōkiri KMB kōeke tuarima. riro ia kaupapa here MTPL ki te 0.9 whakarea. Ki te mea te reira te ki tonu te tau kahore ekenga aituā, ka tiki i te kōeke tuaono, me te rahi 15% hekenga. Otiia ki te mea ka whakapataritari i te taata faahoro i te aituā, heke te piha haapiiraa e ki 3. Ki te he reira 2 aituā - te tahi mea ki 1. anō te tukanga katoa te. I roto i te tau e whakanui i te piha haapiiraa o te kotahi anake. Ki te, i roto i te 12 marama o te kaiakiaki kore inihua i runga i CTP, e tautuhi anō aunoa i te mōhiohio e pā ana ki a ia i roto i te turanga o te SAR.

tauira

Te tangata August 9, 2014 mo te wa tuatahi hokona kaupapa MTPL mo te tau. I roto i te wā pūrongo, e kore ia eke ki te aituā. "Takoha-malus" whakatakotoria atu ia mo te piha haapiiraa. Me pēhea e mohio koe tona rahi? I te tīmatanga, ko te taraiwa whakaritea ki te toru o nga piha, me te uara taupū o 1. te tau i muri mai, he tere tau tona kōeke 4, me te uara o te tau whakarea o 0,95 ka whakaritea.

He tauira matatini ake. August 8, 2015 mo te wa tuatahi inihua e te tangata motokā, me te kore hoki e 5 nga tau i whiwhi i roto i te ati. I 2020, ko ia te kawenga mō te aituā e rua. Ka piha o "bonus-malus" kia whakaarahia i roto i tenei take. He aha te mea te reira? I roto i te whati-ara taraiwa rima tau ' "roaa te 8 MSC piha haapiiraa. Otira, i muri i tohu e rua ngā aituā i kitea ki te tuarua ki te uara o 1.4.

Me pēhea te ki te whakamahi i te MSC ki te inihua tuwhera, me te iti

E ai ki te tuhinga "Ko nga reiti haurokuroku o te rahi," tātai piha te i raraunga i runga i te tangata nona i roto i te pā ana ki te waka. E ai ki te kawenata, i reira he kahore rohe i runga i te tokomaha o nga tangata uru ki te whakahaere motokā. takoto ana te hekenga i runga i te pūtake o te raraunga e pā ana ki te waka, me te piha haapiiraa o te ope, i ko i mua. Ki te he ngaro tenei kōrero, whakaritea te rangatira te ki Class 3.

Ki te puta te kaupapa here e mo te here i te maha o nga taraiwa, he fakapapau'i mo te rangatira o te motokā te whakarea. KBM - he āhuatanga o te kaiakiaki, ana ritenga taraiwa, e kore mihini. Ki te kawea te kaupapa here kei te ki runga ki te 5 iwi, i roto i te hui o te auau aituā heke anake rōpū hara, a kore taraiwa katoa.

Ki te mea kua kua tomo te tuatoru mua tangata ki te kirimana mo te iti inihua, a ka whakaritea e te taraiwa ki te puta MTPL ki te maha nui o taraiwa, i roto i te tikanga ki te tiaki pä i roto i te kaupapa here me tautuhi tētahi atu (hoa, whanaunga, ranei hoa), kia rite ki te kore ki te ngaro i te auau roaa.

Ka rite ki te tono ki te MSC iti inihua?

I roto i tenei take, tatau te utu kaupapa here kei runga i te piha haapiiraa iti o tangata tomo i roto i te kaupapa here, me te rongoa i te hītori mō ia atekōkiri. Tauira: te MSC tuatahi tohu 0.6 atekōkiri, te tuarua - 0.9. I roto i te tātai ka whakaturia te CTP ki 0.9.

hapa

I te tahi taime whakaaturia te kaiarataki he wheako raruraru-free pai, engari raraunga whakamanatanga te piha haapiiraa raro "bonus-malus". He aha te mea te reira? He taea rua take:

• atekōkiri kore inihua mo te tau maramataka o mua, a ko kihai hakari i roto i tetahi atu kaupapa here kia rite ki te tangata mana e te whakahaere o te TC;
• kua kawea mai noa te kamupene inihua mōhiohio ki te turanga raraunga SAR.

te rua Ko te raruraru tino noa. A ehara i te mea i roto i mahue noa o te tokotoko, ka e kua tomo te mōhiohio ki te pātengi raraunga ā-ringa. No te mea hapa taea te warewaretanga ranei. Ko te rongo kino, ko e ki whakahoki "bezavariyku" e na roto i te marae. Tuatahi e hiahia ana koe ki te whakamatau e he tautuhi te bonus. Ka taea e te mahi koe i tenei mā te whakapā i te inihua ranei takitahi manatoko mōhiohio i runga i te pae. Next hiahia koe ki te tono tika ki te PCA, e whakapūtā kaupapa here MTPL te mua, me te maha o nāianei kia e taea kaimahi kia papu e kua koutou nga aituā. aru ana tēnei e te amuamu ki te insurer i roto i te Central Bank o Russia. Ki te kore enei mehua e te āwhina, whai koe ki te haere ki te kōti.

here

CTP kirimana wahi he hoki iti iho i te 12 marama. Ko te hekenga tika atekōkiri mō "moni" - te piha haapiiraa o "bonus-malus". Me pēhea e mohio ana ahau ki te nui o penapena? Kahore. Na roto i te ture, ka tono anake te MSC ki te kaupapa here, i te mea tika hoki te 1 tau.

mutunga

kamupene Insurance e hiahia i roto i te taata faahoro mātanga, ko wai hoki te wa roa, waka pai-te mana. Ki te tauwehe MSC i hangaia ki te whakatenatena i taua tangata. Ko kawenga hoki te āpā o "pai" ngā atekōkiri ia, ka whiua te hunga e whiwhi maha ki te aituā. Me pēhea te ki te tātai i te piha haapiiraa o "bonus-malus"? Hoki ia tau he tere tau ka riro te kaiarataki he hekenga o te 5%. I roto i te take o te ōwehenga inihua payout faarahi, a kua ki te utu moni anō mo te kaupapa here te kiritaki.