Buyela CTP lapho ukuthengisa imoto: imibhalo isicelo

Nokuphakama kwezindleko CTP lukhuthaza abanikazi ukuthengisa imoto, buyela ngengxenye engasetshenziswanga umshwalense. Kusuka imibuzo ewela izinkundla ezikhethekile kanye website esemthethweni izinkampani zomshuwalense. Kwakamuva ngokungathandi amazwana kulesi sihloko futhi ngibe manqikanqika nakakhulu ukunikeza iseluleko. Buyela CTP ukudayisa imoto Yiqiniso, kungenzeka, kodwa kukhona eziningi izici lula inqubo ukuhambisana.

Amazinga kanye nemithetho

Ukubuyela CTP ukudayisa imoto kufanele aqondiswe madokumende alandelayo:

• FZ, sangomhla 25.04.02, njengoba uchitshiyelwe ngesigaba 05,2016 "Ngo umshwalense okuphoqelekile okwenziwa ezikhungweni kuhilele ecaleni elimayelana nezakhamuzi abanikazi imoto" (Isigaba 10);
• imithetho okuyimpoqo akhiwa Central Bank of the Russian Federation futhi yoMthetho Bank Russia (№ 431).

Futhi amaqiniso ezingeguquleke ezimbalwa:

• On sokuvuselela imoto evela kumnikazi omusha ine izinsuku eziyishumi kuphela.
• Umthengisi TC ubophekile ukuba azise umshwalense we yokuthengisa isivumelwano esiphelele.
• WeMithethonqubo ayimpoqo motor TPL umshwalense (isigaba 1.9) azisa bezikhungo izinkampani zomshuwalense ukuthi ushintsho imoto noma umshwalense singanikezwanga ku CTP. Okungukuthi, ngaphansi kwezimo ngenhla, inkontileka umshwalense iyeke izinyathelo zomthetho. Futhi yilesi isisekelo sokubuyiselwa imali CTP ngesikhathi imoto ukudayiswa.
• Umshwalense nokubuyisela, kungakhathaliseki ababekuso endabeni ukuqedwa kwenkontileka yini noma cha ngeke ukubala.
• Imibhalo eqinisekisa ushintsho umnikazi imoto, isethulo se-umshwalense ziyadingeka.
• Incwadi yesivumelwano, eyayihlanganisa kokuthutha imoto endaweni sokubhalisa, awukwazi ukukhansela.
• Ungakwazi sephule inkontileka uma kuphela kuphothulwe onyakeni.

Ukuqalisa

Buyisela okuyimpoqo ukuthengiswa imoto uma kunesizathu esihle ukuze washaya imithetho CTP, isigaba 33.

Buyela lemali engasetshenzisiwe yomshuwalense ukuze UK disadvantageous kakhulu. Ngakho-ke, ochwepheshe batusa ukuba afune usizo abameli. Inqubo kudinga iqoqo elithile imibhalo. Omunye wabo - isitatimende. Ubhala ubuso bakhe, engena inkontileka enkampanini yomshuwalense. Ifomu lesicelo kungekho iphethini esinqunyiwe. Ngakho-ke, zonke inkampani yomshuwalense inikeza injalo athuthukile. Kodwa, ngokuvamile, ukuze CTP imbuyiselo lapho ukuthengisa imoto liqukethe ulwazi olulandelayo: ipasipoti idatha ye oVikelwe, idatha imoto oVikelwe, inombolo inkontileka umshwalense. Iphuzu elithile iyinkomba yokuthi isisekelo ukuqedwa umshwalense. Eminye imininingwane kuzodingeka ukuba ukudluliswa kweemali (Igama lebhange, BIC, phambi, umlobeli nama-akhawunti wamanje kanye nokunye.).

Umzimba siqukethe isicelo isicelo ukuqedwa kwenkontileka yomshuwalense ngenxa ukudayiswa imoto, futhi ngenxa yalokho, ushintsho kobunikazi. Ngaphezu kwalokho, abakhalazayo kumele ucacise tibalo ezimbili okuyinto akazange abe nesikhathi ukuyisebenzisa, futhi ezilotshwe ifomu amaphrimiyamu. It iphela isitatimende isicelo sokubuyiselwa imali ngenxa imininingwane ngenhla.

Isicelo ngasinye kufanele zibhaliswe njengezinhlangano idokhumenti engenayo. Avtoyuristy Kunconywa ukukhipha ikhophi lesibawo elizalisiweko, nenombolo engenayo apelwe nosuku ukulaliswa esibhedlela. Ungafaka isicelo mathupha, futhi incwadi ngeposi Russia ibhaliswe. Kulokhu, kufanele ucele irisidi ukubuya nokwenza yokusungula eningiliziwe imibhalo afakiwe. Indlela yesibili ewusizo ikakhulukazi uma imibhalo kungukuthi wathola ehhovisi.

Uma isicelo akuthathi

Amacala ukuhluleka kokuthola isicelo kanye iphakethe kwemibhalo sokubuyiselwa imali yomshuwalense. Abaphathi ukuthumela amakhasimende ehhovisi elikhulu: basuke Kusinda like, Awugunyaziwe ukukwenza. Lokhu akulona iqiniso. Ukuze ukuqedwa kwenkontileka - lokhu ingenye izinqubo ezilula, okuyinto siyakuba yiliphi ihhovisi le-enkampanini yomshuwalense. Noma ngabe zesifunda, ingane noma yimuphi omunye.

Imibhalo ngoba CTP ukubuya lapho ukuthengisa imoto

Basuke evamile ihlukaniswe yaba izingxenye ezimbili. Omunye wabo - eyisisekelo, idingeka kunoma yikuphi inkampani yomshwalense, kungakhathaliseki isizathu ukuqedwa kwenkontileka. Eyesibili kubonisa futhi uqinisekisa ukuthi kudingeka ukubuya CTP lapho ukuthengisa imoto.

Le ngxenye base kuhlanganisa imibhalo elandelayo:

• original futhi ikhophi kwasayinwa we ipasipoti iklayenti, akhiphe inkontileka;
• nokuthatha umshwalense uzovalwa (kuphela yokuqala, kuyinto efiselekayo ukushiya ikhophi ngokwayo, okungase kudingeke kuzinhlelo umangalelwa nofana umangali);
• iresidi noma idokhumenti ngogesi eqinisekisa nokukhokhwa CTP;
• imininingwane yasebhange ne-akhawunti lapho ukubuyiselwa imali (izinyathelo cash kuvunyelwe) uzobe kukhiqizwa.

Uhlu kwemibhalo eqinisekisa ukudayiswa imoto, kungatholakala kakhulu inkampani yomshuwalense. Kodwa ngokuvamile kuba:

• Usizo-akhawunti (uma kukhona inqubo ukudayiswa);
• Isihloko ngerekhodi yoshintsho yobunikazi kanye inkontileka olubhalisiwe ukudayiswa.

Usuku of the ukubuya yomshuwalense premium MTPL imoto yokuthengisa kuzofundwa usuku kuhanjiswa kwemibhalo.

Ekhuluma TCP. Dinga ikhophi yayo yasekuqaleni noma yomphathi IC angenalungelo lokukuthola. Umthetho, ukudayiswa imoto kuqinisekiswa isivumelwano sokuthenga.

Imibandela

Buyela umshwalense MTPL ukudayisa imoto kuthatha izinsuku ezimbalwa zebhizinisi. inkampani ngayinye iletha lolu lwazi iklayenti ekupheleni yokwamukela imibhalo.

Kodwa ikhasimende UK kumele wazi ukuthi inqubo cishe noma yikuphi okwenziwa yinkampani ethile yomshuwalense ayikwazi ukudlula izinsuku ezingu-14. Lokhu kuyinsakavukela ezisohlwini isigaba 34 CTP Regulation. Kungenjalo, izinhlawulo ezinqunywe UK, kanye nenani imbuyiselo izokwenyuka ngo ukwabela izinhlawulo. Uma inkampani yomshuwalense kubambezela kwesinqumo, iklayenti ungaletha isikhalo esibhaliwe Central Bank of the Russian Federation (noma nge-website) ku Motor izinkampani zomshuwalense Union noma anezimangalo enkantolo (endaweni ehhovisi ababhalisiwe SC). Inkantolo kakhulu kancane ucabangela izimo ezinjalo, ngakho avtoyuristy ukuncoma eziqala Central Bank.

Ezimweni ezingavamile, SC ungenqaba imali ka CTP ngesikhathi imoto ukudayiswa. Lokhu kungase kuthinte eziningi izimo ezithile eziqondile.

abanikazi Vehicle egijima ngokushesha ukuzidayisa kudingeka ziqonde ukuthi uma ubuyela sokukhokha yomnikazi ishintshile ke imali ozothola vele. Avtoyuristy batusa kakhulu ukuthi uqala ukuxazulula zonke izinkinga inkampani yomshuwalense, bese akhiphe imoto ukuze umnikazi omusha.

Kodwa lo mthetho wanikwa izinsuku eziyishumi kuphela. Sinezizathu ezizwakalayo hhayi ukubamba, ngakho-ke, abashayeli abanolwazi belulekwa ukuba athathe umnikazi omusha irisidi ukubuya isinxephezelo ngenxa CTP, futhi uvumelane ke ku inqubomgomo.

Ukubuya senziwa hhayi kuphela pholisi

Thola asele isamba ukubaluleka inqubomgomo, ngomshuwalense, kungathi ngaphezu:

• indlalifa oVikelwe obonwa wokulungisa izivumelwano;
• Abameli we umshwalense;
• Abameli yomnikazi;
• indlalifa umnikazi imoto, wokulungisa izivumelwano ayibonwa.

Abamele kuyadingeka sokusebenzisa ukubuya CTP samanje amandla jikelele nommeli. Futhi kufanele kube iphuzu eyokhombisa kungenzeka zokukhokhelwa ngezimali.

Ifomula ukubala inani ukubuyiswa kwemali

Kuyi-Internet kukhona izingosi eziningi ezinikeza ukubala okusheshayo izindleko CTP ubuningi. Kodwa ungakwenza ngesandla. Kukhona ifomula olusemthethweni.

Kubonakala sengathi lokhu:

D = (P - 23%) x (H ː 12), lapho:

• 23% - izinga ejwayelekile UK (kusho izindleko ezithile ngomshuwalense);
• N - empeleni isibalo sezinyanga ngokugcwele ngaphambi kokuphela kwenkontileka umshwalense;
• P - izindleko egcwele inqubomgomo;
• D - nenani imali.

Zenzalo zinqunywa esinqumweni Central Bank of the Russian Federation. Amanye awo yilawa.

izindleko ngomshuwalense sika zimumethe 3% of iminikelo SAR. Ngoba kwenzenjani? Lesi samba idluliselwe akhawunti inqolobane kusuka lapho isinxephezelo ikhokhelwa. Ngaphezu kwalokho, 2% - esiqiwini samanje, futhi eyodwa - okuqinisekisiwe.

20% zihlala kule nkampani. Badlulele egijima izindleko kanye nokugcinwa izindaba iklayenti. Lokhu kuhlanganisa isevisi kwesamba, ukugcinwa umshwalense, ukukhiqiza yayo, sebenzisa amasu ahlukene, umsebenzi namaholo, silungiselela imibhalo nokunye.

Lokho isisekelo ukubala kuthiwa asele 77%.

Idethi okuyinkomba usuku nokusakazwa kwesamba ehhovisi inkampani. I enhle ubhekwa usuku ukusayina inkontileka ukuthenga.

Avtoyuristy IBhodi tentatively ubambe izibalo ezimele, ukuze uma ukukhwabanisa yinkampani yomshuwalense zibophe.

A akanhlanhlatsi encane

Ngokomthetho ndawo azimisele labo kakhulu 23%. Ngokwesibonelo, nembuyiselo ukudayiswa MTPL imoto "Rosgosstrakh" uqinisekisa ukuthi kukhona "kwesivumelwano mutual" amaqembu. Kunoma ikuphi, isimo sezinzwa. Manje u-20% uya ekuqhubeni umsebenzi we umshwalense. Uma inkontileka umshwalense akuyona sinqanyuliwe zakuqala, inkampani yomshuwalense ithatha le amaphesenti? Ngemva kokuchitha zonke sohlobo olufanayo? Okungukuthi, akusiyo ngezizathu ecacile wayeqamba kwezinhloso zenzuzo phezu ekunqanyulweni ekuseni. Umbuzo kuthé cwaka. Uma semali izibalo sakhe, kunengqondo, eqondiswa Article 958 Code Civil futhi isigaba 34 weMithetho CTP, ukubhekana icala enkantolo kufunwe sokutakula izimali ezikhokhelwayo lenqubomgomo ngaphandle kucatshangelwa 20% kumelwe nalo likhokhelwe.

Isimanga siwukuthi iningi kwalamatleyimi ziyaxazululwa yinkantolo uthambekele kokuhle, kusukela (bheka isithombe esingenhla) umthetho alinikezi isiqondiso esicacile kwawo izinkampani zomshuwalense 23%.

Uzodinga ukuba akhokhe imali isimo. Kodwa okwenza ukuthi isicelo inqubomgomo MTPL imali ukudayiswa imoto, kufanele igcwaliswe futhi ukuqoqwa inkokhelo yokubhalisa.

"Ingosstrakh" linikeza uhlelo lwayo

Amakhasimende oye oVikelwe motor ehluphayo UK "Ingosstrakh", wokuqala owabikwa mayelana izinhloso zakhe ocingweni. umphathi icacisa isimo futhi anikeze iseluleko, kuhlanganise iphasela kwemibhalo ezidingekayo ngokuqedwa kwesivumelwano. Ngaphambili they are usulungile, ngomshuwalense kuziwa ehhovisi eliseduze, igcwalisa ifomu yesicelo, echaza isizathu ekunqanyulweni futhi icacisa imininingwane yokubuyiselwa izindleko inqubomgomo.

Uma ngenqaba, kungani?

Ngokuvamile, lokhu ukuphathwa yakamuva CTP ukubuya ukubala uma ukuthengisa imoto. Uma usuku ukuthenga imoto ibilokhu izinsuku ezingaphezu kwezingu-60, inkampani yomshuwalense unelungelo ukuwenqaba. Lapha kumelwe uqaphele ukuthi umshwalense ngeke ukuqhuba ukubala kusukela ngosuku ukuthengiswa imoto, futhi ngemva kosuku lenkampani elikhiphe inqubomgomo.

Futhi, inkampani yomshuwalense enqaba ukukhokha uma kunezimoto emandleni jikelele nommeli. Ukuze umnikazi wezomthetho imoto ayiguquki.

umehluko wemisindo nemiqondo yamagama ezithakazelisayo

Ezinye izinkampani zomshuwalense ukunikela ukudlulisela esele kwenqubomgomo entsha MTPL. Lo mbuzo unelungelo lokunquma iklayenti.

Ingabe ngidinga ibhonasi?

Kodwa noma kunjalo, abameli banake abashayeli isici ezifana MSC. Lokhu ratio ibhonasi-malus, icala zokushayela ephephile. Lokhu kwenzeka kuphela ekupheleni konyaka umshwalense. Futhi, njengoba wazi, MSC okungukuthi, isaphulelo ngaphezulu ulinde kwesamba uma uthenga inqubomgomo entsha.

Nokho, uma ekuqaleni ukuqedwa kwenkontileka CTP, nganoma isiphi isizathu, Coefficient ibhonasi-malus icala. Ngakho-ke, kuyafaneleka ukucabangela. Mhlawumbe, uma ngaphambi kokuphela inqubomgomo uhlala izinyanga ezimbili noma ezintathu, khona-ke kungcono ukugcina isivumelwano sisebenza futhi zinike (ngingenzi cala endleleni) isaphulelo ngesimo anda KBM.

Ngingaba wonge imali?

Ayimpoqo Buyisela umshwalense lapho ukuthengisa imoto angeke akhiphe (ngenkathi sigcina 23% SC okubhekwe). Uma kukhona uyamethemba umthengi, le CTP umane selikhishiwe, futhi umshwalense ukubuyiselwa ubuningi umnikazi omusha. Ngoba lokhu kuyiso phansi kube yisivumelwano phakathi elidala futhi umnikazi omusha ukubuya ethile. It is eqinisekisiwe ngumuntu ummeli olungisa izivumelwano. Ungaya enye indlela futhi silungise ukwethulwa umnikazi omusha ukuze wamanje umshwalense isibopho sezomthetho ithuluzi inqubomgomo njengoba into ehlukile inkontileka sokuthengisa. Umthengi kuleli cala, wabhala isitatimende lapho ebuza ukuze uyenze inqubomgomo ukhonkolo.

Futhi by the way, ngomshuwalense ayinakho enelungelo lokubekela ebanjwayo eyengeziwe uma izinkokhelo ziye designated ngaphansi kwale pholisi izinkundla umshwalense.

Futhi ekugcineni,

I-Russian Union of Auto izinkampani zomshuwalense ukuxwayisa abanikazi imoto, ababethengisa. It is kakade eyaziwa amacala okukhwabanisa, abanikazi entsha imoto uphathe ukubuyela yomshuwalense ubuningi (esakhokhwa ngomshuwalense odlule) uqobo. Ngakho-ke ukudonsa ne wamaphepha e-UK akukwazi!