Imithetho CTP: izibakala ekhawulezayo

CTP libhekisela inshorensi yesinyanzelo. Ukuthengwa-inshorensi ngeemoto kufuneka bonke abemi Russian Federation, wenza kulawulo naluphi kwezithuthi kumhlaba welizwe lethu. Ukungabikho-inshorensi CTP iqulathe ukunyanzelwa isohlwayo.

Ngokungafaniyo iintlawulo CASCO imigaqo data zenziwa kuphela abantu zibonakaliswa njengemali namaxhoba ngozi. imbuyekezo intlawulo yenziwe imali, yaye emva koviwo.

ulawulo lomthetho

Uxwebhu oluphambili olawula ubudlelwane phakathi kwinkampani ye-inshorensi kunye umnini wesithuthi ngumxhasi wayo - Imithetho esisinyanzelo. Aqulathe ulwazi olupheleleyo ngale mbasa, ukupheliswa kunye nokwandiswa-inshorensi.

Lilawula ukulawula uluhlu MTPL lwamaxwebhu ezinokufuna yeinshorensi ngeenjongo-inshorensi. Ngokuqhelekileyo oku yokundwendwela, iphepha-mvume kunye nokuqhuba amaxwebhu ukuze imoto. utshintsho kwimithetho-inshorensi zaqaliswa ngo-2013: CTP ngoku ikhutshwa kuphela xa ntetho kwesithuthi kuhlolwa coupon.

Ngaphezu koko, le isiqwenga mthetho ulawula ixesha apho ungahlela inkqubo MTPL. Le miqathango idiza ukuba isivumelwano se-inshorensi ekunokugqitywa ukuba ubuncinane iinyanga ezintathu. Emva kweli xesha, umgaqo-nkqubo ungadluliselwa, kodwa hayi amaxesha ngaphezulu kwe ezimbini. Ubude liphezulu kangangoko ixesha lokuba semthethweni lesivumelwano inshorensi unyaka omnye.

Ukwenza isixhobo nkqubo liability inshorensi kwinkampani yeinshorensi enye, umqhubi uyakwazi ukufumana isaphulelo ukuba kukho ingozi. Eku sunguleni, kulula ukutshintsha-inshorensi, umqhubi uyakwazi ukufihla iinkcukacha zokuzibandakanya wakhe kwingozi. Nangona kunjalo, le mithetho mitsha CTP ubeke imida kwimeko enjalo. Ngoku, ekubeni uvimba elinye labantu inshorensi, apho iinkampani ze-inshorensi lula khangela nawuphi na umnini-moto umsebenzi inkathazo-free.

Ukususela ngoJanuwari 1, bonke mveliso ezo ezifunekayo ukuze udlulise ulwazi malunga waqukumbela izivumelwano MTPL kwinkqubo enye. Ngoku, i insurance premium sibalwa kuphela emva kokuba isibheno ukuya resource onjalo. Oku kuthetha ukuba inshorensi kufuneka ukuba zinike isaphulelo hayi kuphela ehle inkathazo-free, kodwa usoloko ukhumbula ukuba iziqendu xa kuthe ziingozi, umsunguli yayo inshorensi.

Kuyanceda ukwazi ukuba intengiso imoto phambi kokuphela nkqubo inshorensi CTP, umqhubi unalo ilungelo lokufaka ikhontrakthi. Kulo mzekelo, inkampani yeinshorensi linyanzelekile ukuba abuyele inxalenye kuhlawulwa na isixa-inshorensi.

An into umdla kukuba kulo nyaka ngethuba wesibini gqolo contract -inshorensi ne-inshorensi efanayo akukho mfuneko ukunika amaxwebhu entsusa.

Kubalulekile ukuqonda ukuba imithetho CTP, kunye nemithetho yendlela, kufuneka uhlole bonke abaqhubi. Ukwazi olu xwebhu luya baziphathe kakuhle kunye kwinkampani ye-inshorensi, ukuba kuyimfuneko, ukuze bafumane imbuyekezo.