Nā coefficients o CTP. Kaʻi lau waiwai ?? eoi? CTP. CTP ma ka māhele'āina kaʻi lau waiwai

Ma April 1, i hoʻolauna 2015 nā 'āina' avtograzhdanki coefficients ma Rusia, a ma hope o kekahi mau hebedoma - Hoʻololi 'kumu. Ua hoʻomāhuahuaʻoe i ka 40% nā uku. Ehia na Keaukaha kēia manawa i ka uku no ka MTPL pilikino E pili?

Ahaolelo hoʻololi

Kālā devaluation, ka mea ulu ma ka palena hookaa ana i kaupalena pono ole autocitizen Hoʻohana i loko o ka lapaʻau market - a pau kēia mau kumumea alakai ai i ka mahuahua ana i loko o nāʻauhau a me ke anoe o ke ala hele uku i ka 2015.

Kaʻi lau waiwai ?? eoi? CTP hoʻomāhuahua i ka 11 moku o Rusia a me kekahi no ka mea ia helu hoemiia. I kā mākou ulu holo 'awelika o 25% i hoakaka ia Chuvashia, Voronezh, Kurgan wahi. Ma Magadansky wahi kumu e hoemi, e ka 41%. Ma Dagestan, Tove, Ingushetia, Chechnya a me Leningrad māhele 'āina ma ka māhele CTP kaʻi lau waiwai ua hoʻemi.

Helu, he MSU mākaukau. E like me ka ike i loaa, ma kekahi wahi ka mea, ua pono e hoonui i ka momona ma lehulehu amo 'ole oi ma mua o 400%. ʻO maoli loli ua 100%. Kūpono dute mahuahua market ia e kali ana no kekahi mau makahiki. Ka PCA manaʻo i kēia manawa, e hana, e hoʻoikaika i ka pono o ka hoomalu ana a me ka o hoʻonupaikini pono.

Eia hou, he hou nenoaiu a loaa ke ake uku no ka mea o ke poho i ke ola a me ka ola o ka nāna. Mua, a pau uku i ma hope o ka lapaau, ma ka kumu o ka hoʻouna 'ia ka loaʻa' ana. Uku hiki e kiʻi ole wale na kauwa o ka luahi, akā, i kona hea ka hoahanau.

kumu kūʻai

kāki no ka kulekele ua i mai o nā hoahānau a me kūikawā holo 'awelika. Nā coefficients o CTP kānāwai kau ma ka moku'āina. hiki ole Insurance poe hoʻololi 'ana i ia oe iho. I ka pau ana o 2014 ka mea hoʻokonukonu ua mahuahua ka i kā mākou nui o avtograzhdanki uku i 400 tausani rubles, a me ia poʻe i ole losing kala - .., a mahuahua nui kona nāʻauhau ma ka awelika o ka 50%.

Pehea e hoʻomaulia i ka waiwai e lilo aku

Ke haʻilula Ua puni hoʻi: MTPL lapaʻau coefficients i hoonuiia me ka waihona ipu uku. Akā, nā loina hilinaʻi ma ka helu o nā kumumea: .. E holomua i Keaukaha o ka aina ma kaʻa, kaa ana, etc. ka mau haʻilula no ka i ka ho omaulia mea like penei:

Policy RT = TDB m m m BM FAC OK m m m C m KM kn m n, ma:

• BT - kumu kōmi.
• HI - ia kenekoa CTP kaʻi lau waiwai.
• KBC - he anakahi o ka makahiki / lōʻihi o ka hana.
• BM - bonus-malus.
• OK - ke kaupalenaʻana ana.
• KM - engine mana.
• C - seasonality.
• Kh - kaʻi lau waiwai kāna hana.
• P - he anakahi o ka lapaʻau wā.

Ka loa pipiʻi lapaʻau pilikino E pili e loaʻa i ke keiki kanaka, ka poe e hele ana ma mana kaa i ka nui kulanakauhale. Koina ua hoano e Keaukaha me ka ulia-noa holo ka hoao ana oi ma mua o 10 makahiki e e ka palena haʻahaʻa.

Ke kumu o kōmi

MTPL pilikino E pili kāki loli aʻe ma ka māhele. No kēlā me kēiaʻano o ka amo, ke kaumaha ma muli o ka helu o ka noho a me na tona, i kona dute. No ka mea nona ka hi ka mea, ua maheleia, e like me kā lākou pre- eminence a loio i nāʻoihana. He ua i loli mai 2004. No ka aelike i e komo i loko o hope o April 1, 2015, e e hoʻohana 'ia coefficients o ka lapaʻau nāʻauhau CTP:

Nā mokokaikala a me Scooters - 1507 rubles.

Uhane:

• loio i kanaka - 2945 rubles;.
• kanaka, IP - 2455 rubles.

Machines hoʻohana me ke kaʻa'ōhua, - 3677 rubles.

ia i kona kalaka.

• me ka i kā mākou ana kaumaha o 16 tons - 2511 rubles.;
• oi ma mua o 16 tona - 4018 rubles.

nā kaʻa'ōhua:

• me 20 ohua noho - 2009 rubles.;
• ka helu o nā noho 21 a oi - 2511 rubles.;
• Kaʻa'ōhua - 3677 rubles.

Trolley - 2009 rubles.

Trams - 1252 rubles.

Nā kaʻa kauō - 1507 rubles.

ia kenekoa nā hoailona

Kēia ololi hiki nui pili i ka helu. Ua hilinaʻi nui ma luna o ka wahi o ka iniiaiie kaa hana. Inā ka aelike ua i ma luna o kekahi kanaka, a laila, hoʻohana i ka wahi o ka hi kakau, a no nā mea hoʻopukapuka kālā - o ka wahi o ka moku'āina kakau o ka hui.

Ka mea nui loa 'āpana hiʻohiʻona CTP ua hoʻohana' ia i loko o Kauhalenui wahi me kaʻeleu kalepa ae la lakou ulia, a me ka kiʻekiʻe lehulehu (Kazan, Perm, Yakutsk, Chelyabinsk). No ka ikaika hi aiiieieoaeuii pōpilikia kiʻekiʻe holo 'awelika. Nolaila, TC motorists maikaʻi? Aaeno? SUV paha kona kalaka ma ka pili e ola ana i loko o ka wahi. New MTPL holo 'awelika no ka 2015, ua hōʻike mai iā ia i loko o ka papaʻaina ma lalo nei. No ka 11 apana nā hoailona i ua nui ae, a no na mea e ae - e hoemiia. Ma Moscow i ka waiwai o ka 'inideka koe ua hoʻololiʻia.

Bonus-malus

I ole ia, ua kapaʻia kēia aiao i ka uku ho'ēmi no ka pilikia-noa holo. Ua hiki me ka nui loa pili i ka lilo o ke kulekele. Ua kaʻi lau waiwai ua ia ma muli o kaʻikepili e pili ana i ke alo / kaawale ana o kekahi mau 'payout O Keaukaha kahi o ke kaa. No laila, i ka hope o ke kaa a me ka lapaʻau poe e hoʻololi i ke ana, aole ia i aloha ia. Ka papa ua hōʻano hou 'ia ma ka pau ana o ka makahiki, mai ka la aku o ka hopena o ka aelike. i mau hōʻailona i CTP coefficients e like me ka mua kūkulu 'ia, i ka wā mawaena ma waena o ka aelike ua i oi aku mamua o 12 mahina. I ole ia, ka mea ia kaʻa mea nāna kolu o ka waihona ipu no ka papa.

nuances

Inā ma ka intervening au i ka Keaukaha ua kuleana no ka ulia, ka mea e pili CTP māhuahua holo 'awelika. Ke houʻikepili e loaʻa 50% hou pipiʻi. No ka pilikia-noa makahiki, ka Customer loaa ka uku ho'ēmi o 5%. Inā ke kulekele ua hoopuka ia no ka manawa mua, i ka nui o ka 'inideka mea 1. O kā mākou uku ho'ēmi He 50%. Inā ke kulekele ua kākauʻia kekahi mau Keaukaha (no ka mea hoike, i ka makua kāne o ka paperwork ma luna o kāna keiki) nei, a me kekahi o ia mau mea i loaa mai i ke kānāwai, a laila, he pōpilikia ka 'inideka ma ka palena iki kōmi. Penei, hoʻololi i ke kumukuai o MTPL kulekele.

New coefficients BM ho oholo i ka papa Keaukaha. No ka laʻana, ina ke kanaka i kekahi 5th papa me ka waiwai 'inideka o 0,9, a laila, i kona hewa o ka ulia, laila, i ka makahiki o ka uku ho'ēmi e papa i ka 5%, a me ka pane pālākiō - i ai i 3. Inā ka aʻe 12 mahina e e pilikia-noa, me ka ka Keaukaha manao he oi aku kaʻilikai 6.

Kaniak 'ike

Bonus-malus ua hanaʻia ma luna o ke kumu o ka moolelo o ka lapaʻau koi ana. E malama i Track o ia, Ua hana kekahi kūikawā kumu PCA i ka 2013. Kēlā me kēia insurer i loko o 15 mau lā ma hope o ka wehe 'o ka eiioeieeae? Aaeaao aeaiiua.

Makahiki / ka hoao ana

Ua nui ka hoao ana hoʻonui Keaukaha, me ka haahaa o ka waiwai o keia anakahi. Akā, loaʻa nō nāʻano nui huahelu: ka Keaukaha ka makahiki (22 makahiki) a me 36 mahina o ka holoʻana. Ma keia hihia, Bude kiekie loa inideka waiwai - 1.8. Inā mau Keaukaha, ka mea, ua laweʻia i loko o ka mooolelo o ka i kā mākou waiwai o ka 'inideka.

Ke kaupalenaʻana kumumea no CTP (2014)

Ka lapaʻau hiki ke komo mau Keaukaha. Inā ka mea, e e makemake ai i ke kulekele ma ka inoa, ka mea, aole ia i mea i ka helu (2 a 5). Ololi eʻaʻole loli. Akā, inā i ka Keaukaha maoli hiki ole hai aku ka mea nana e nō ke hoʻohana 'ia i ke kaʻa, akā, no ke komo maluna ia o ka manawa kūpono, ka hoʻohana' waiwai io o 1.8.

seasonality

Ua nui na O Keaukaha hoʻohana i ke kaa wale i loko o ka kauwela, a me ka hooilo, ua waiho ia ma ka aoeaiia caaiea. A hana i ka kaʻa ka manawa lōʻihi huakaʻi. Ma na hihia, ka mea, puka mai he naciiiuo kulekele no kekahi manawa o 3 mahina. Ke 'inideka waiwai mea like i kekahi, e hoʻomaka me ka 10 mahina o ka hana. Me ka pōkole i kekahi ke helu ma ka hōʻemi iki uku ho'ēmi.

aʻe 'kaʻi lau waiwai

Ua Ua hoʻohana 'ia i loko o ia hihia.

• hana ana i wahahee hoʻomaopopo;
• kipaku ana haole nei i wai;
• deliberate inaina o ka ulia;
• e waiho ana i ka loa;
• loaa i ke kanaka ma ke kua o ka huila ua i kākauʻia i loko o ke kulekele.

Nā hoailona o ke ola a me ka lapaʻau Hawaii ka mana

Me Kinohi loli aʻe ma waena o 0.2 hiki i 1, a ua hoʻohana wale i ka aina e paha ina ke kaa e neʻe maila i ka maalo. Pake mana hiki ke ike ma PTSD. Kēia lākiō he pōpilikia like me ka hana o ka horsepower. Inā i hoakaka ia i nā palapala i loko o kilowatts, o ka huli ana o like penei: 1 kW = 1.359 nā lika. i kekahi.

Uhane trailer

No ka mea, he hookahi kaa ka manawa i ke dute ua i ae nei. Akā, ka mea nui he kūikawā kaʻi lau waiwai, i hilinaʻi nui ma ke 'ano o ka trailer, mai 1,15 a 1,45.

Me ke kuina maemae

Insurance mōʻaukala ua kau aku ma luna o ke kanaka i loaʻa i ka pono a me ka hoʻi iā i ke kaa. Akā, i hooakea ai i ka 'ikepili, ina i ole komo i loko o 12 mahina o ka O Keaukaha i loko o kekahi kulekele CTP. Laʻana:ʻaʻohe mea nāna kaa i ke noi aku i ka mea nona o ke ola auto manao i kekahi aelike me na kanaka i hoʻokomo i ka hooponopono ana. Ma hope o 12 mahina o kona mōʻaukala ka'ōlelo huna, ka mea e hiki ke kakau i ko lakou mauʻikepili. Kaa ona pono mua hoʻokūpaʻa i laila i na palapala e pili ana, a laila, e hele ma luna o ka mana o ka loio.

nā hoʻololi

I ka manawa e manao i ka aelike no ka wā o ka emi o kekahi makahiki i kēia manawa i loaʻa. Oia kekahi e pono ke ala mai, no ka mea hoike, ina ke kaa ua loaa ia lakou ma kekahi'āina, a me ka Keaukaha manao e? Aaeno? Ia i loko o ka 'ē aʻe. Mua, no ka mea hana, ke kulekele i kūʻai ai i kekahi mau lā. Ano, hiki e hoopuka wale i na kaa e like lapaʻau. No laila, na koa a hiki wale hoʻopau naciiiuo aelike. No ka kaa nona ma LPG lako a ua hoakaka ia 15% uku ho'ēmi.

Ke kumu kāki no kūkulu 'ia i loko o nā Lūkini kulanakauhale

No ka laʻana, lawe i ka i kā mākou ikepili holo 'awelika no Keaukaha 23 makahiki o ka'ōnaehana hana me ke kaa ma luna o ekolu makahiki, ka mea i kaʻa me ka engine nona iho o 70-100 ho'āo ai. i kekahi.

ka hopena

I 'Apelila 2015 i ka Bank o Rusia hoʻololi i ka lākiō o CTP ma ka māhele a me ka walaʻauʻana holo' awelika. HOU E hoopau i mahuahua ka i kā mākou dala o ka uku, a me ka waiwai ulia i loko o ke aupuni. I mau, ke ulu holo 'awelika ua like ia 40-60%. Coefficients o ia kenekoa mana hoʻololi wale i loko o 11 wahi. Base holo 'awelika Ua hoʻomāhuahuaʻoe,ʻaʻole hoʻi i loko o nā wahi. Aia He He hou kaʻi lau waiwai no kaa me ka trailer. Contents lapaʻau no kekahi mau mahina no kekahi kaa i kakau ia ma ka Russian Hui hiki wale seasonally.