The koefishienti wa CTP. Koyefishienti gawo CTP. CTP ndi dera koyefishienti

Pa April 1, 2015 dera avtograzhdanki koefishienti kuyamba mu Russia, ndipo patatha milungu ina iwiri - kusinthidwa m'munsi. Chindapusa awonjezera ndi 40%. Kodi madalaivala ambiri tsopano ndi kulipira mfundo MTPL?

kusintha malamulo

Ndalama devaluation, kuchuluka kwa ndalama malire kuchepetsa opanda pake autocitizen gawo mu inshuwalansi msika - zinthu zonsezi zinachititsa kuti kuwonjezeka tariffs ndi kukula kwa malipiro kulowera mu 2015.

Koyefishienti gawo CTP kuchuluka kwa zigawo 11 Russia ndi wina kuti nambalayi yafupika. mitengo pazipita kukula kwa 25% anapereka kwa zigawo Chuvashia, Voronezh, Kurgan. Mu Magadansky mitengo m'dera adzakhala kuchepetsedwa ndi 41%. Mu Dagestan, dera Tove, Ingushetia, Chechnya ndi Leningrad dera ndi dera CTP koyefishienti utachepa.

Asayansi anali MSU akatswiri. Malinga ndi zimene analandira, m'madera ena kunali koyenera kuonjezera yolipirira pa anthu modes zoyendera oposa 400%. Kusintha kwenikweni anali 100%. Mokwanira tariff kuwonjezeka msika akhadikhira zaka zingapo. The PCA mukukhulupirira izo tsopano adzapanga luso la chitetezo ndi kugwirizanitsa zinthu.

Komanso, dongosolo latsopano la kupeza malipiro mwamsanga chifukwa chakuti kuwononga moyo ndi thanzi la munthu wovulalayo. Poyamba, ndalama zonse pambuyo mankhwala, pa maziko a anagonjera malisiti. Malipiro tsopano akhoza kupeza osati amene amadalira woberedwa, komanso abale apamtima.

mitengo

mtengo wa malamulo wapangidwa mitengo ndi mitengo yapadera. The koefishienti la chilamulo CTP anapereka boma. Makampani a inshuwalansi sangasinthe iwo nokha. Kumapeto kwa 2014 yang'anira chawonjezeka kukula pazipita ndalama avtograzhdanki kuti rubles 400 zikwi, ndi makampani omwe si kutaya ndalama - .. Kuchuluka tariffs ake ndi avareji 50%.

Kodi kuwerengera ndalama

Ndondomeko ndi losavuta: koefishienti MTPL inshuwalansi akuchulukitsidwa ndi mlingo m'munsi. Koma mfundo zonse kudalira pa zinthu zingapo: .. Resume dalaivala wa dera kukhala galimoto, chikhalidwe galimoto, etc. The chilinganizo mwachizolowezi kwa mawerengedwe chiri motere:

Policy RT = TDB × × × BM FAC Chabwino × × × C × Km KN × N, kumene:

• BT - mlingo m'munsi.
• CT - Kupititsa CTP koyefishienti.
• KBC - chizindikiro cha zaka / kutalika kwa utumiki.
• BM - bonasi-malus.
• Chabwino - Kuchepetsa muyeso.
• Km - injini mphamvu.
• C - seasonality.
• KH - matenda koyefishienti.
• P - chizindikiro cha nthawi inshuwalansi lapansi.

Zodula kwambiri inshuwalansi ndalama achinyamata kupita pa magalimoto wamphamvu m'mizinda ikuluikulu. Ndalama madalaivala anakumana ndi ngozi wopanda zinachitikira galimoto zaka zoposa 10 adzakhala kochepa.

Mlingo zoyambirira

MTPL mtengo mfundo zimasiyanasiyana ndi dera. Pakuti mtundu uliwonse wa zoyendera malingana chiwerengero cha mipando ndi tonnage, anapereka tariff ake. Kwa eni magalimoto izo wagawanika, malinga ndi ukulu wawo zi- kapena mabungwe alamulo. Iye sanasinthe kuyambira 2004. Kuti zimenezi kuti mwalowa pambuyo April 1, 2015, zidzagwiritsidwanso ntchito koefishienti ngati inshuwalansi tariffs CTP:

Zamoto ndi Scooters - 1507 rubles.

Cars:

• anthu malamulo - 2945 rubles.
• anthu, IP - 2455 rubles.

Makina ntchito ngati takisi, - 3677 rubles.

magalimoto:

• ndi pazipita chovomerezeka kulemera matani 16 - 2511 rubles.
• matani oposa 16 - 4018 rubles.

mabasi:

• ndi 20 mipando zonyamula - 2009 rubles.
• chiwerengero cha mipando 21 kapena kuposa - 2511 rubles.
• Taxi - 3677 rubles.

Trolley - 2009 rubles.

Trams - 1252 rubles.

Mathirakitala - 1507 rubles.

zizindikiro Kupititsa

Chinthu ichi akhoza kwambiri bwanji kuwerengetsera lapansi. Izo zimatengera malo a ntchito yaikulu galimoto. Ngati mgwirizano pa tsiku munthu, ndiye ntchito malo a magalimoto anawawerenga, ndi amalonda - malo a boma kulembetsa kwa gulu.

Yaikulu m'dera chiŵerengero CTP ntchito m'madera matauni ndi yogwira ngozi pamsewu ndi mkulu ndende (Kazan, Perm, Yakutsk, Chelyabinsk). Magalimoto wamphamvu Komanso masamu ziwawa. Choncho, TC ziziyenda bwino kulembetsa SUV kapena galimoto pa moyo wathu m'deralo. Latsopano MTPL mitengo cha 2015 ndi kuperekedwa ku gome pansipa. Pakuti m'maboma 11 zizindikiro akhala kuchuluka, ndi kwa ena - ndi kuchepetsedwa. Mu Moscow mtengo wa index ndi sichinasinthe.

Bonasi-malus

Apo ayi, chizindikiro uwu umatchedwa kuchotsera kwa vuto lililonse ulendo. Iwo akhoza kwambiri bwanji ndalama za ndondomekoyi. koyefishienti Izi akapatsidwa zochokera deta za kukhalapo / palibe yeniyeni payout dalaivala m'malo galimoto. Kotero kuti m'malo a galimoto kapena kampani ya inshuwalansi kusintha muyeso sikumangotikhudza. Maphunzirowo ndi kusinthidwa kumapeto kwa chaka kuchokera tsiku la chimaliziro cha mgwirizano. CTP koefishienti mopitirira malinga ndi ndondomeko yapita, imeneyi pakati pa pangano silinali miyezi yoposa 12. Apo ayi, anatumizidwa galimoto mwini lachitatu m'munsi kalasi.

mokoma

Ngati mu nthawi inoyi dalaivala anachititsa ngozi, kudzakhala ntchito CTP akukulirakulirabe. The ndondomeko yatsopano ndalama 50% zodula. Pakuti vuto lililonse chaka, kasitomala amalandira kuchotsera 5%. Ngati mfundo ndi chikalata kwa nthawi yoyamba, mtengo wa index ndi 1. kuchotsera pazipita 50%. Ngati mfundo linalembedwa madalaivala angapo (mwachitsanzo, atate wa zolembalemba mwana wake), ndipo mmodzi wa iwo posachedwapa adalandira chilamulo, ndiye index ndi kuchita masamu pa mlingo osachepera. Choncho, kusintha kufunika kwa mfundo MTPL.

Latsopano koefishienti BM kudziwa dalaivala kalasi. Mwachitsanzo, ngati munthu anali ndi kalasi 5 ndi mtengo index wa 0,9, ndiyeno vuto lake la ngozi, ndiye chaka chamawa kuchotsera adzaleka 5%, ndi mlingo - mpaka 3. Ngati miyezi 12 vuto-mfulu, dalaivala amafuna mlingo wokwererapo 6.

Kupeza mudziwe

Bonasi-malus aumbike pamaziko a mbiri zodzinenera inshuwalansi. Kukhala ndi njira yolongosoka iwo, wapadera m'munsi PCA analengedwa mu 2013. Aliyense insurer pasanathe masiku 15 pambuyo kusainira Mtsogoleri transmits deta.

M'badwo / zinachitikira

Zinachitikira zambiri anasonkhanitsa dalaivala, m'munsi mtengo wa chizindikiro ichi. Koma pali kanjedza ziwiri zofunika: m'badwo dalaivala (zaka 22) ndi miyezi 36 galimoto. Pankhaniyi, Bude apamwamba index mtengo - 1.8. Ngati madalaivala angapo, izo n'komwe phindu pazipita index lapansi.

Kuchepetsa zinthu kwa CTP (2014)

Inshuwalansi akhoza kulowa madalaivala angapo. Ngati malamulo iwo adzakhala kutchulidwa dzina, zilibe kanthu chiwerengero (2 kapena 5). Factor sizidzasintha. Koma ngati woyendetsa kwenikweni sindingakhoze kukuuzani amene adakali ntchito galimoto, koma anavomereza kuthekera kumeneku, ntchito phindu la 1.8.

seasonality

madalaivala ambiri amagwiritsa ntchito galimoto yekha m'chilimwe ndi yozizira, amasiyako china mu garaja lapansi. Kapena ntchito galimoto Pamaulendo yaitali. Zikatero, izo anapereka mfundo nyengo nthawi iliyonse ya miyezi 3. The index mtengo ndi wofanana ndi chimodzi, iwo amayamba ndi miyezi 10 ntchito. Ndi wina waufupi tizidalira kuchotsera pang'ono.

kuyan'anila koyefishienti

Izo ntchito mu Zikatero:

• kufotokoza wabodza;
• kuyendetsa galimoto oledzera;
• dala akatiputa ngozi;
• kusiya powonekera;
• kupeza munthu kumbuyo gudumu si alembedwa malamulo.

Indicators inshuwalansi moyo ndi mphamvu galimoto

Origin zimasiyanasiyana pakati pa 0.2 1 ndi ntchito yokhayo yachilendo kapena ngati galimoto chokwawa kupita. Engine mphamvu Tingaone mu vutoli. chiŵerengero Izi masamu ngati ntchito ya ndiyamphamvu. Ngati mapepala mwachindunji mu kilowatts, kutembenuka ndi ili: 1 kW = 1.359 malita. a.

Cars ngolo

Pakuti galimoto limodzi ndi tsopano tariff si anapereka. Koma anayamba koyefishienti wapadera, potsata mtundu wa ngolo, kuchokera 1,15 kuti 1,45.

Ndi chinsalu woyera

mbiri Insurance ndi kuvala munthu amene ali ndi ufulu ndipo akulamulira galimoto. Koma deta kungathetsedwe, ngati m'miyezi 12 ya dalaivala alibe analowa CTP uliwonse ndondomeko. Chitsanzo: palibe mwini galimoto angathe kufunsa mwiniwake wa galimoto anaganiza pangano opanda anthu anavomereza kuti kasamalidwe. Patapita miyezi 12 za mbiri yake ndi Yambitsaninso, kudzakhala kotheka kuti lowani mfundo zawo. Galimoto eni ayenera choyamba adzikonzenso zikalata wachibale, ndiyeno nkumapitirira ndi ulamuliro.

kusintha zina

mwayi kunena pangano la nthawi ya chaka chimodzi tsopano alipo. Chotero chosowa angakhalepo Mwachitsanzo, ngati galimoto ndi kuthi m'dera limodzi, ndipo dalaivala akufuna kuti akalembetse mu zina. Poyamba, zolinga zimenezi, mfundo anagulidwa kwa masiku angapo. Tsopano inshuwalansi akhoza chikalata yekha magalimoto lina. Choncho Ankhondo pomaliza mgwirizano nyengo. Kwa eni galimoto pa zida LPG amaperekedwa 15% kuchotsera.

The mtengo m'munsi ndondomeko m'mizinda ikuluikulu Russian

Mwachitsanzo, kutenga pazipita deta mitengo madalaivala zaka 23 zinachitikira kasamalidwe ndi galimoto zaka zoposa zitatu, amene ali ndi galimoto ndi injini mphamvu 70-100 L. a.

Pomaliza

Mu April 2015 ku Bank of Russia anasintha chiŵerengero cha CTP ndi dera ndi mitengo zofunika. Zaluso lidzakhalamo kuwonjezeka pazipita kuchuluka kwa malipiro ndi mavuto a zachuma mu dziko. Ambiri, mitengo kukula anakwana 40-60%. Koefishienti ya ulamuliro Kupititsa kusinthidwa ngati m'madera 11. mitengo Base komanso kuchuluka osati m'madera onse. Pali koyefishienti watsopano galimoto ndi ngolo. Zamkatimu inshuwalansi kwa miyezi ingapo pa galimoto mayina la Russia angakhoze kokha olumikizana.