CTP Electronic: ncomo umthengi

Xa inshorensi kubalulekile ukukhumbula ukuba nayiphi na imeko, umntu ohlala kummandla welizwe lethu, emva kokuba kuthengwe isithuthi into yokuqala linyanzelekile ukuba inshorensi. Ngexesha lokungabikho okanye kulibaziseke umhla kwi-inshorensi kuwiso-mthetho RF izohlwayo ezimiselweyo enzima.

Kuba abo bangenalo amandla okanye abanqwenela ukutyelela sikhundla quote-inshorensi, unako ukuyenza kwi-Internet. Okwangoku, phantse zonke iinkampani ze-inshorensi zibonelela abaxhasi babo ithuba. Kuyinto elula kakhulu, ngok kwaye sitshiphu mgomo iphepha yemveli, sibhalwe kwi-ofisi.

Ngoku e-CTP uqokelela ncomo ezininzi. Ukanti abanini imoto ukudida le ndlela inshorensi. Bakhetha ukwenza i CTP endala. Ngelo xesha overpay ngendlela ngokuphawulekayo.

Nyaka ngamnye, Ngokwezibalo, imigaqo-CTP ethengwe ngabantu abangama-42 ezigidi. Njengoko yokusebenza ibonisa, ukuma CTP ukuya kumhla akavumeli ukugubungela ngokupheleleyo le-inshorensi kubaxhasi babo. Ngenxa yokuba oku kusebenza ngakumbi kwiinkundla, yaye abanye abantu buyisela nje umonakalo yabo mali lwayo, ucinga ukuba ngokupheleleyo akwenzi ngqiqo ukumangalela. Ngokuqhelekileyo, aba bantu ushiye izimvo kwi-Internet malunga imilinganiselo lweshishini. Imeko kwimarike insurance luyathandabuzeka.

Yintoni i-nkqubo MTPL elektroniki?

Yiyiphi eqokelelwe electronic imigaqo-ncomo CTP? Lo mbuzo umdla abaninzi.

Ubudala obunyanzelekileyo bokuhamba liability motor wesithathu iqala imbali yayo imi- 20-kwinkulungwane yokugqibela.

Ekuqaleni, umgaqo-nkqubo onjalo yaqaliswa eUnited States, kodwa kwiminyaka embalwa (ukuya kunyaka-40-th), zaye zasasazeka kulo lonke elaseYurophu. It ibiya iziqinisekiso zemali imbuyekezo xa iingozi phezu ezindleleni.

In Russia CTP ekugqibeleni ethathe imilo kakhulu kamva. Abasemagunyeni eSoviet zaye kuqwalaselwe ukuqaliswa kwe-inshorensi yembuyekezo ukuba iziganeko yendlela, kodwa wakubona kufanelekile ukuyi- kuyo. 01.07.2003 weza kuphela ukusebenza i-Federal uMthetho №40-FZ "On esisinyanzelo inshorensi liability yoluntu yabanini isithuthi". Ngoku abanini imoto belizwe lethu ingqinisekiso kwiingozi zendlela, oko kwabanga umonakalo kwipropati-inshorensi.

Yintoni umahluko?

Yintoni i-CTP-elektroniki? Uhlaziya becala HIV. Ngaphezulu kule ngezantsi.

inshorensi esisinyanzelo sijongwa njengenye guarantors lokuqhuba ukhuselekile endleleni, njengoko nabaqhubi imithetho ngokusondeleyo. Nangona kunjalo, kukho ezinye abaqhubi abo, phezu koko, ziphathe ngakumbi ngokungakhathali, sithembele kwi-inshorensi. Ngaphambili, u nga inshorensi liability yakho auto kuphela ngokuqhagamshelana ofisi. Kulo mzekelo, oko kwakuya kufuna ukuba kakhulu salinda ixesha elide emgceni.

Kutsha nje kukho ithuba lokuba akhuphe i-CTP, ncomo ukuqinisekisa oku.

Olu xwebhu unalo nokusebenza efanayo-nkqubo yephepha. inshorensi Electronic kuthetha ukuba umqhubi wangena database enye. Ukuba kuyimfuneko, uya kunikwa iinkonzo ezifanayo kwimeko yengozi, nokuba umqhubi kunye ikopi yephepha. Zonke iintlawulo ezo nkcukacha kuvimba weenkcukacha, ngenxa umqhubi uyakwazi ukufumana isaphulelo phantsi kwe-inshorensi entsha uqhuba ngaphandle neengozi. Kwelinye icala, ukuba umqhubi isoloko inxaxheba yezothutho ezindleleni okwenzeke, database ibithethwa abachaphazelekayo.

rates inshorensi on e-CTP

imbuyekezo Insurance imisela lweerhafu zalo, ezibunjwe ngokusesikweni ukususela ekuqalisweni kwe-inshorensi yesinyanzelo kweli lizwe. Kwixa elizayo, lo mthetho iye yatshintsha kancinane ngokusebenzisa ezinye izilungiso, kodwa isiseko engundoqo kuhlala ingatshintshanga unanamhla.

Izinga olusisiseko umlinganiselo ixhomekeke ubukhulu becala uhlobo lwesithuthi (isithuthuthu, imoto abakhweli, a esiporweni, ibhasi, njalo njalo. D.). Oku sisiseko nganye lweerhafu, ngakumbi iphindwe into ixhomekeke kwizinto ezininzi.

Ezi ngongoma yokubonelela i-inshorensi MTPL elektroniki. Reviews ngale ziyafumaneka.

Imiba echaphazela iindleko inshorensi:

- umthamo we-injini yesithuthi;

- indawo ahlala kuyo (okanye ubhaliso) zabanini imoto;

- inani abanini abaye inshorensi isithuthi;

- amava umqhubi, eyaphuma nkqubo MTPL;

- kummandla apho ofisi kwinkampani ye-inshorensi.

Ngoko ke, lo eliphezulu amava akho, kwaye elincane lemali kweemoto eyeye ixabiso ngaphantsi ze-inshorensi.

imbono abanamava vutivi kungekudala uza kwandisa uluhlu lwamaxabiso izinga isiseko, leyo aphakamise kakhulu ixabiso le-inshorensi ngqo. A isici esasenza-nkqubo yekhompyutha ixabiso layo eliphantsi xa kuthelekiswa ne-nkqubo yephepha.

Umyalelo lokubhaliswa inshorensi electronic

CTP Electronic (reviews ukuqinisekisa oku) umba ilula:

- website esemthethweni kwinkampani ye-inshorensi kufuneka ugcwalise isicelo;

- asayine ifomu umntu yemvelo ingase, ngu SNILS;

- ahlawule intlawulo ngayo nayiphi na indlela elula.

Kubalulekile ukuqonda ukuba olu hlobo lwe-inshorensi unelungelo lokukhupha inkampani kuphela abhaliswe ngokusemthethweni. Broker, uMmeli, nayiphi umlamleli ukwenza oko asikwazi.

Ukuba yenziwe ngokuchanekileyo, emva kwexesha elithile e-mail uya kufumana ileta nge-nkqubo iqhotyoshelwe apha. Kuyimfuneko ukuba uprinte nihle nabo. Loo nto ekhutshwe nepolisi ye-inshorensi electronic CTP. Ukuphonononga ingafunyanwa kwi web.

Ubuqhetseba kule ndawo ivamile. Ukuze uqinisekise sokunyaniseka nkqubo, sinako ukukhangela inani kwi diffraction X-ray. Kwakhona behlola igama lenkampani ye-inshorensi.

Umgaqo-Electronic Kubonakala ngathi nje CTP eqhelekileyo inshorensi. Nditsho scheme umbala igcinwe.

utshintsho olukhulu inshorensi ngo-2017

Izilungiso New entsimini MTPL zipapashwe ngokusesikweni ekupheleni kuka Agasti 2016. Wavele, ngoJulayi 2017 ukuba sele kuqalisa ukusebenza. Abanini Car kufuneka sinikele ingqalelo ngokulandela utshintsho olwenzileyo:

• imbuyekezo oqhelekileyo ngoku kuya kuba nzima kakhulu. Inkampani ye-inshorensi yokuqala uya kunikela ulwalathiso kwisikhululo inkonzo yokulungisa simahla emotweni.

• yi evroprotokol umda kwiingozi zendlela olwandisiweyo engange 100,000 (eMoscow St Petersburg ukuya 400,000 engange). Oku kunikeza MTPL nkqubo electronic FAC (iimbekiselo ezikhoyo).

• Uya kuba umlomo ingqokelela intlawulo eyongezelelweyo evela unetyala kuba abahambi ngeenyawo kwingozi abonzakele kule ngozi.

• Uya kuba nako ukufumana idata yobuqu evela RSA (Russian Union of nabaKhuseli) ngaphandle isicelo kwinkampani ye-inshorensi. Kule nkalo, i-inshorensi electronic ngokuya kwanda. Ngapha koko, lo mgaqo-nkqubo uya kukhutshwa, ngaphandle kokushiya ekhaya.

Olunye utshintsho eziya kuba yimfuneko ukuba abanini imoto, uya kuba umgaqo omtsha yokubala MSC. Uya kunikwa qho ngamnye.

ezintsha CTP Positive

Ngoko ke, nanku uluhlu lwe ezintsha ezintle.

• Ubhaliso nge-elektroniki (ngokutsha becala elungileyo).

• Ukuba nokwenzeka wokwandisa MSC ngaphandle kokuba ebotshelelwe kwisithuthi.

• Ukwenza i-inshorensi iqela liya kuba lula.
• Recalculation of the MSC, xa iphumeza izilungiso umthetho ezingundoqo iya kuba sisiganeko esenzeka rhoqo ngonyaka. Ngaphambili, yena kwenziwa kuphela emva kokuphela kwekhontrakthi.

nkqubo MTPL Electronic "Uralsib"

Ukuphonononga lubonisa ukuba i-inshorensi lokuthenga nge-elektroniki kwinkampani yeinshorensi angenza. "Uralsib" uye njengesebe izinzile. Ngoko ke, imigaqo-CTP, ihonjiswe apha ethandwayo. Le nkampani iya kuhlawula insurances ezahlukeneyo mikhulu. Hetisekile abathengi ngenxa yoko akukho sizathu sokuba aye enkundleni.

imigaqo-inshorensi CTP uya kukhutshwa xa utyelele i-ofisi okanye kwi-intanethi. Lwalo yesibini iba ngcono. Oku kungenxa yokuba akukho mfuneko yokuba ulinde emigceni ukuba angene kwemikrozo yeemoto.

Ukuze ufumane ikopi yekhompyutha ye-inshorensi MTPL, kufuneka uye kwi website esemthethweni "Uralsib". "Insurance Online" Kukho umntu icandelo okhethekileyo. Kufuneka kuqala ukusebenzisa sokubala electronic ukubala isixa insurance premium.

Kufuneka ufumane lokugqitha le akhawunti email ukuze ungene kwi-akhawunti yakho.

Le iigrafu ezikhethekileyo polisi faka ulwazi malunga nawe kunye emotweni.

Oko kusenokuba ulwazi?

- passport yomnini imoto.

- passport le-inshorensi, kuba kunokuba abe ngumntu owahlukileyo.

- Isiqinisekiso sobhaliso lwesithuthi okanye TCP.

- mvume Zonke yomqhubi abo bantu abaya kwamkelwa ulawulo imoto.

- Diagnostic Card, kokuqinisekisa ukuba imoto ezingonakalanga. Ngako oko, le ikhadi kufuneka zingqamelane.

zonke amaxwebhu afunekayo. Kufuneka kwakhona ukuba achazwe, limited okanye unlimited inshorensi umthengi ufuna ukuyithenga, ixesha elide kangakanani.

Yakuba lonke ulwazi oluthile lurekhodwa, uyakwazi ukuqhubeka kwintlawulo. Eyona ndlela elula ukuyenza ngecredit card. Emva kwemizuzu nje embalwa le nkqubo iya kuthunyelwa nge-imeyili elikhankanyiweyo xa kubhaliswayo.

Electronic inshorensi CTP "Rosgosstrakh"

Ukuphonononga lubonisa ukuba inkampani "Rosgosstrakh" yinkokeli ekuzibonakaliseni kwimarike insurance. Oku kungenxa yokuba ikho ixesha elide kwaye ixesha elininzi abantu trust. Kulo mbutho, kukho kwakhona ithuba ukuthenga umgaqo-elektroniki.

Ukukhupha i-CTP "Rosgosstrakh" (iimpendulo kuqinisekisa oku), kufuneka:

- ndwendwela i esemthethweni website rgs.ru;

- ukufumana ikhalityhuleyitha yokubala ixabiso ngekhompyutha yalo mgaqo-nkqubo;

- gcwalisa imihlaba efunekayo;

- ulinde. Le nkqubo iza uqinisekise i data evela PCA kwaye iya kukhupha ixabiso lokugqibela inshorensi. Emva koko ke uya kukwazi ukuba ungene kwi-akhawunti yakho apho unako ukuhlawula CTP elektroniki. "Rosgosstrakh" (iimbekiselo ezikhoyo) usenza sibe nentembelo.

Xa ufaka le datha kufuneka ize nizilumkele ke kunene. Lonke ulwazi luya mazitshekishwe ngokujonga database efanayo. Kwakhona, le nkcazelo kuchaphazela ngokupheleleyo ekubaleni i-MSC yaye, ngokunjalo, iindleko ze-inshorensi.

Xa intlawulo yenziwe, uyakwazi ulinde i-imeyile.

Amaxesha amaninzi umbuzo umbuzo: Ingaba kufuneka uprinte le nkqubo. Nangona oku kuyimfuneko, kuba amapolisa ezendlela akwenzeki ukufumana ingcaciso kwi-SAR.

VSK

VSK Company ( "Military Insurance Company") yinto eyaziwayo kwaye zithembeke. Lungisa umgaqo isixhobo liability insurance nge-elektroniki ayikho nzima. Njengoko kwezinye imibutho, kufuneka indawo esemthethweni ukuhlala. Kwiofisi yangasese ukuzalisa ulwazi malunga umnini kunye isithuthi. Kufuneka kwenziwe ngocoselelo, ngenxa yokuba lo mgaqo-nkqubo kunye iimpazamo akayi kuba semthethweni.

kubika inkampani yeinshorensi, wabulawa nge-Internet, kubalulekile kakhulu kuyilo, ngenxa yokuba yonke le nkqubo akayi kuthatha ixesha elininzi. Kwakhona, le ndlela yokufumana CTP ethembakeleyo, ekhuselekileyo kunye nenzuzo. Ixabiso le-electronic version kutshiphu kakhulu version ephepheni.

breakeven Isaphulelo basindiswe, nto leyo iluncedo kubathengi rhoqo.

Zonke iinkcukacha zizaliswe ngokukhawuleza mazitshekishwe yi X-reyi diffraction, kangangokuba indlela fast kakhulu-inshorensi. Idatha malunga inshorensi nemoto yakhe kuvavanywa, uhlawula kuphela le nkqubo. Kuyenzeka ukuba ukwenza oku ngoncedo ikhadi lamatyala. Emva kwexesha elithile le-inshorensi kuza ibhokisi yakho.

reviews

Indlela-nkqubo MTPL nge-elektroniki eziqhelekileyo? Review ngoxa intembeko inshorensi loo nto bonke.

Xa websites ezininzi esemthethweni isambuku reviews iye iimpawu zombini kwiinkampani zonke iimveliso inshorensi ezimbi. Konke oku kwenzeka ngenxa yokuba abanini imoto nembuyiselo elinemali kunqabile ukuba beze isiza ushiye ngqo umbulelo kukho inkampani yakhe inshorensi. Ngenxa umthetho, kukho ufuna uncedo okanye ashiye izikhalazo.

Enye imixholo eziphambili izimvo ezimbi ziinkonzo ezongezelelweyo "esisinyanzelo" uthenge. Kuziwa kwizinto ezitenxileyo xa ubomi umntu yomntu inshorensi yinkampani efanayo izihlandlo eziliqela. izikhalazo ezinjalo aphathwa ukuya kwiinyanga eziliqela, ngoko abanini imoto athenge le phakheji ngenxa nathemba.

Nangona kunjalo, kubalulekile ukukhumbula ukuba imeko nganye ngamnye endleleni, ngenxa yokuba yintoni na izigxeko apha kufuneka ukuba nikholwe njalo.

Kodwa ngokubanzi, i-inshorensi CTP electronic oqokelela ncomo elungileyo. Ngapha koko, oko kunceda abaqhubi beemoto ukulondoloza imali. Ukongeza, i-inshorensi elektroniki ukuphelisa imfuneko ukuhlala emigceni. lula kakhulu ukuba inshorensi uxanduva lwabo yoluntu ngaphandle kokushiya ekhaya.