Kodi mukudziwa wanu MSC MTPL pamaziko a X-ray? MSC Kodi

madalaivala odziwa bwino kuti ndalama ayenera kulipira chida mfundo udindo inshuwalansi, malingana ndi kutalika kwa msonkhano, komanso ngozi wopanda galimoto. Mtengo mfundo imatengedwa kutenga nkhani mlingo-bonasi-malus. Timaphunzira yanu MSC MTPL.

MSC Kodi

The koyefishienti ndi kulimbikitsa madalaivala kutsatira malamulo ndi kukwera popanda ngozi limodzi. Iwo kupeza kuchotsera pamene mupanga ndondomeko. Kwa chaka cha ngozi wopanda galimoto ya dalaivala chinthu yafupika, chifukwa limene kwa mfundo kulipira zochepa.
Poyamba, iye anapatsidwa makina makamaka, ndipo pamene anagulitsa kuchotsera anataya. Komabe, kusintha anapangidwa 2008, malinga ndi zimene MSC limabweretsa dalaivala, kaya galimoto iye amayendetsa. Kuchotsera ali anapitiriza mu mulanduwo, ngati woyendetsa wasankha kutumikiridwa mu kampani ina ya inshuwalansi.

Komabe, yafupika kapena kwathunthu zimafika ndipo ngakhale amapita zoipa, ngati pambuyo ngozi, dalaivala anafunsa kuti malipiro. Ukulu wa kuchepetsa zimadalira kalasi amene apatsidwa dalaivala pamaso pa ngozi mphindi.

Nthawi zambiri zili ndi mtengo kuthetsa ngozi zazing'ono pa malopo, popanda kuchititsa apolisi apamsewu. Ndiye, ndithudi, pa ndalama za ndondomekoyi sadzachulukana, ponena ngozi.

Kodi mukudziwa wanu MSC MTPL

Ngati woyendetsa akufuna kudziwa zimene MSC wake ndi kusintha, muyenera kugwiritsa ntchito tebulo wapadera. Nthawi zambiri, chaka choyamba anapatsidwa kalasi lachitatu, wofanana MSC wina.

Ngati ngozi chaka chino amene anali ponena sizingandichitikire, ndiye chaka chotsatira analandira kalasi chachinayi, ndi MSC adzakhala ndichepe ndi 5%. Koma ngati ngozi chimachitika, ndiye kalasi adzakhala wachiwiri, ndi MSC an'dzamuka 1.4 ie ndalama za ndondomekoyi zingawonjezere ndi 40%.

Chifukwa galimoto popanda ngozi 5 peresenti kuchotsera adzakhala amaitcha chaka mpaka akafika 50%.

CTP Table

koyefishienti mosavuta anatsimikiza mtima tebulo wapadera wamba onse CS. Ndi zokwanira kudziwa dalaivala kalasi.

Mwachitsanzo kalasi yachitatu. Malinga ndi iye mu ndime yotsatira wina. MSC izi. Chaka chotsatira, dalaivala amalandira kalasi yachinayi logwirizana ndi chinthu cha 0,95. Choncho kuyang'ana zina. mizati zina zimasonyeza zomwe kalasi adzapitiriza ntchito yake, ngati kudzakhala ngozi.

Tony

Njira ina yanu MSC MTPL - ndi mawerengedwe palokha. Taganizirani chitsanzo ichi ndi dalaivala yemweyo, amene poyamba ali kumbuyo gudumu. Ngati ndi pasanathe zaka zitatu si ngozi, m'chaka chachinayi cha galimoto kuchotsera lake lidzakhala 15%. Komabe, mu nkhani ya ngozi, ndi wotsutsa womwe iye akukhala, kalasi wake sadzakhala 7, womwe ndi 15 peresenti kuchotsera, ndipo ndi chachinayi yekha.

Ngati tebulo yayandikira, n'zosavuta kuona. Koma popanda kuwerenga MSC n'zothekanso.

MSC pamene belaying ndi madalaivala angapo

Kodi mukudziwa wanu MSC MTPL ngati anavomereza kuti anthu angapo kuyendetsa galimoto? Ndi yosavuta. Iwo amagwiritsa ntchito koyefishienti kuti ali mtengo wapatali kwambiri wa zonse. Mwachitsanzo, dalaivala wina MSC - 35%, ndi zina -% 15 okha. Ndiye mtengo adzakhala masamu zochokera 15% kuchotsera.

Ngati mmodzi wa madalaivala ali ngozi, zikuoneka kuti wayamba, ndi zina proezdil chaka popanda ngozi osakwatiwa, MSC chidzakula yekha kwa dalaivala - ngozi ponena. The zina adzalandira anamuika 5 peresenti kuchotsera.

Kodi mukudziwa MSC wanu CTP pamaziko a X-ray mapindidwe akuwala

X-ray mapindidwe akuwala, kapena Russian Association of Njinga inshuwalansi akuda ndi bungwe la alimi. Union amathandiza ziziyenda pa nkhani zambiri. Yofunika kwambiri amagwira ntchito ndi kuzindikira madalaivala. Choncho, tsamba lovomerezeka ali zambiri kuti ndi chidwi yeniyeni ndi phindu.
PCA ndi umodzi wa MSC Nawonso achichepere. Kubwera ku izo, inu mosavuta kupeza MSC wanu MTPL mu akuti sar.

zambiri amapezeka kuti anthu onse malamulo ndi masoka. Kwa anthu muyenera kulowa chilolezo a dalaivala wanu. Ngati CTP anaphedwa popanda malire madalaivala mndandanda, mwini galimoto kupeza pasipoti ndi vutoli.

Basi choncho ndi MSC lapansi. Chongani KBM CTP pa maziko a PCA mabungwe alamulo mosavuta. Ndi zokwanira kulowa malata wa kampani ndi zikalata zofunika galimoto.

Kodi mungathe kukonza deta mu PCA wa MSC?

Chongani KBM CTP pamaziko a X-ray mapindidwe akuwala, kuganiza analephera. Koma pano akhoza kudziwa mavuto ena. Nthawi zambiri, dongosolo malo amasonyeza koyefishienti zomwe si zizigwirizana zenizeni. Mwachitsanzo, policyholder amalandira MSC Angafanane ndi, pamene kuyenda pa galimoto yake popanda ngozi kwa zaka zambiri.
Zifukwa kuti zimachitika, pangakhale motere.

Ngati anapangidwa chilolezo m'malo galimoto, mwina deta ndi sitisintha, ndipo anachoka amene anali chikalata wakale. Pofuna kukwaniritsa kuwonetsera olondola a mudziwe azilemba za pempho ili kwa PCA magazini a watsopano ndi zikalata akale. Zimachitika kuti deta kulowa kulakwitsa.

Tingaone zimenezi ngakhale pamene dzina dalaivala limapezeka pa malamulo ambiri. Mwachitsanzo, Ivanov, ndi kalasi 11 ndi galimoto zanu, komanso anavomera kuti galimoto mkazi wake. Ndipo pa koyefishienti otsiriza 0,95 womwe ndi kalasi 4-TH. Choncho, pamene kupatsira deta zikuoneka ngati chinthu cha 0,95.

Ndipo chifukwa ina, pamene MSC madalaivala pamaziko a AIS akuti sar kwa CTP mwina sapezeka Nawonso achichepere - ichi bankirapuse SC.

Kodi kupulumutsa rebate

Choncho, kodi inu mukudziwa wanu MSC MTPL Intaneti PCA, ife tinapeza. Tiyerekeze kuti Ziwerengero wanu palokha sizigwirizana ndi manambala amene ali pa Intaneti. Kodi kukhala mu nkhani iyi?

The PCA ayenera kulemba kunena kuti phindu panopa pa koyefishienti ena kuposa online, ndi kutsutsana zomwe. Kabuku ndondomeko ya amanena ntchito ndi zikalata ku UK kuti kwa ena chiwerengero cha zaka Kwachitika ngozi wopanda galimoto.

Pa zolakwa, malamulo omwe kanthu udzatha, safuna kutaya. Ndipotu, pali chimaonetsedwa mudziwe lolingana zenizeni. Chinachake kutsimikizira kuti nthumwi inshuwalansi kapena kutchula sizimatanthauza. Ndi bwino kuti usapite ku ofesi yaikulu ya kampani polemba amadandaula. Pamene inu kutumiza dandaulo, kupulumutsa polandirira msonkho, amene adzatumikira monga umboni wa kupereka.

Ndipo ngati mwaganiza monga umboni kampani komanso kuchita izo mu mabuku awiri, mmodzi wa iwo mwaika chizindikiro cha kulandiridwa.
Ngati, mu masabata awiri, palibe mapepala, palibe obwezeredwa akhala, tikhoza kugwiritsa ntchito ulamuliro pamwamba ndi kufunafuna chilungamo.
Ndiye funso n'lakuti "kodi inu mukudziwa wanu MSC MTPL mu PCA?" Nkofunika osati chifukwa cha chidwi chabe koma pofuna kuti mawerengedwe a mfundo yotsatira zingakhale.