Inihua mātua: he aha e hiahiatia tuhinga? rēhitatanga mātua o

He aha te mea he CTP, mohiotia ki nga rangatira waka, no te mea, i te iti rawa kotahi te tau, kua ia ki te whakapā atu i te kamupene inihua mo tona mahia. Whakarite tikanga kaupapa here MTPL mo te kaitaraiwa i roto i te hui o te utu puta i ngā āhuatanga kino i runga i te ara, e ko, aituā, na e mea faufaa ia i iho tonu i inihua CTP. He aha e hiahiatia tuhinga me te nui, ka whai ki te utu - enei pātai e hāngai tonu. Whakamātauria ki matau.

He aha e hiahia ana koe ki te hoahoa i tētahi kaupapa here?

He maha ngā atekōkiri amo e no te rēhita o MTPL inihua he nui ki te muri, engari ehara i te mea. Hoki te mutunga o te kirimana i waenganui i te kamupene inihua whiriwhiri me te inihua ka hiahia he maha o ngā tuhinga.

Heoi, e kore ratou e whai roa ki te kohikohi me te noho i tenei wa utu nui, nga taraiwa e te nuinga o nga wa katoa ki a koutou. Na, i roto i te tikanga ki te tomo ki te CTP kirimana, me whakarato e koe te tuhinga taketake e whai ake nei.

tuhinga Car

Ko te nuinga o tenei rānei te tiwhikete o rēhita o te waka - hfs (hoki e mohiotia ana ko "kāri māwhero"), ranei tuhinga rēhita waka - WhM (i roto i te iwi - "puru"). Enei tuhinga tohu nga raraunga hangarau o te waka, me te raraunga taketake o te rangatira - ingoa, wāhitau.

tuhinga tuakiri

Ko te tikanga ko reira he uruwhenua Russian - te rangatira waka. I roto i te take i te inihua, me te rangatira - he tangata rerekē, kua hiahiatia hoki te insurer uruwhenua.

e haere Pātea waka tirohanga

Kei te whakahaere teihana inaianei te tirohanga hangarau o te waka, te rangatira o te kāri tātaritanga, e kei raraunga e pā ana ki te motokā, te rā o te tirohanga hakari, me te heke mai. Kua ki kua mutu CTP inihua, me whai koe i te tūtohi tātaritanga whaimana. Me waiho te reira tika hoki i te iti rawa i tetahi atu 24 haora.

He maha taraiwa, e hiahia ana ki te whakaora i to ratou ake moni, te karo haere te tirohanga, me te ngana ki te whai wa ki te utu ki te mātaki CTP nāianei, engari ki te puta i te hou, ranei wareware, ranei e kore e hiahia ana. Kia mahara ki e i roto i te hui o te aituā, ki te mea te pātengi raraunga ko kahore raraunga i runga i te tirohanga hangarau o te waka, kia kore te kamupene inihua ki te utu.

raihana taraiwa

hiahiatia tēnei tuhinga e ki ko te CTP kirimana he rārangi iti o atekōkiri. Na nga tiwhikete e tika ana o te taraiwa nei e kia tomo i roto i te kaupapa here rīanga. I roto i te take tino ko reira taea ki te whakarato kape o ratou. He mea nui ki te mohio e te tokomaha o taraiwa e whai i te tika ki te pei i te waka, e kore e taea e nui ake wha tangata. Kore, ka taea e koe te whakarite rīanga, kahore here. A, no te kore e hiahiatia raihana inihua o taraiwa tätou.

I roto i ētahi wā, kia rapua e ngā māngai o te kamupene inihua te kirimana o te hoko ranei i tetahi atu tuhinga. Ko Ko te okotahi, nui atu i te ture tenei.

Anake i muri i nga mea katoa e hiahia ana koe ki te kia rite, e taea te tukuna reira MTPL inihua. He aha ngā tuhinga e hiahiatia ana mo tenei, e matau ana koutou, pera kia ara ake i te raruraru. Ko te pātai i muri e arorau whakatika i te rangatira waka, "Kia pehea te nui te moni ki te tunu?"

utu CTP

e kore ko te na'ina'i pai, engari he tika tonu te take kaupapa here. I roto i tenei take, i kitea taraiwa riro haumaru. I muri i te katoa, noa'tu eaha te tino te kaiarataki i roto i tona ngaio, i a kahore wheako taraiwa, he rerekē ngā āhuatanga. Ahakoa kotahi meneti, i roto i nei raruraru te atekōkiri i taea hua i roto i te ati. Na reira ngawari te ano ki te whakaputa te kaupapa here, kaua ki te utu mo te hanga o te waka pakaru.

uara CTP o te moni o te auau turanga whakanuia e te maha o tau whakarea. Ko te auau turanga mōrahi mō tangata māori ko 4118 moni, te raro 3432. kamupene Insurance i te tika ki te whakaturia ratou ake turanga, na kia paku rerekē te utu o te kaupapa here.

I tua atu ki te āhuatanga e kua riro ki pūkete ka tātai i te utu o te inihua kamupene e hiahiatia hoki ki te whakahere i te kaiarataki ki kite, whakaratohia nei ki a ia mo nga tau aituā-free i roto i te nui o te 5%. E roto i te raraunga i roto i te pātengi raraunga kotahi, me te e kore e whakawhirinaki i runga i te manakohanga o ngā kairīanga. Na kia kōrero a atu e pā ana ki te whakarea.

Ko te whakarea o tariffs inihua

Ko te whakarea e whai ake nei o tariffs rīanga.

1. Ko te rohe o te whakamahi mua-kāwanatanga o te waka.

Whakaritea e te wahi o te noho o te TC rangatira. I eke ia ki runga ki CTP ture, hei tauira, Moscow whakarea rite ki te 2, o Irkutsk 1.7, engari i roto i te 0.6 anake Sebastopol.

2. Ko te tau me te wheako o te kaiakiaki.

Ki te te atekōkiri he teina atu 22 tau, me tona wheako o nga tau i te iti rawa e toru, etahi ahua o tenei tūemi motuhake ranei, pā te auau teitei i roto i 1.6-1.8.

3. uru te tokomaha o nga tangata ki peia.

Ki te kore e te kaupapa here rīanga whakarato mō here i runga i te maha o taraiwa, reira e faarahi hoki tono te whakarea te, rite ki te 1.8.

4. Car Power i HP

Ko te nui o te kaha, te nui te whakarea. Hei tauira, tono te whakarea ki te auau turanga mo te waka ki te kaha o 135 hp Ko 1.4. Whakatika ki te 50 hp - 0.6.

5. Wā o te whakamahi.

Fele te mutunga te rangatira kaupapa here MTPL mo te tau. Factor i roto i tenei take, ko te rite ki te kotahitanga. Otiia ki te faaoti koe rīanga mō te ono marama, ka whai ki te utu 70% o te utu o te kaupapa here mo te tau, arā, e kia te ōwehenga 0.7.

Ko nga āhuatanga katoa e kua riro ki pūkete ka tātai i te uara o te kaupapa here. Kaua e wareware e pā ana ki te tuku ngā. Ki te wātea i te rangatira, engari e kore e, kua horo a reira ki pūkete, e kore ai e reira tika me te CTP inihua. He aha ngā tuhinga e hiahiatia ana ki te whakaū i te hekenga? Anake raihana o te taraiwa ranei, ki te te inihua, kahore he fakangatangata, te rangatira o te uruwhenua o te waka.

I muri te pānui i tēnei tuhinga, ka kitea ia policyholder he mōhiohio faufaa mo nga āhuatanga utu, te ture i roto i te mana i roto i te hoahoa o te kaupapa here. e mohio ana koe e founga te mea e tika ana - inihua CTP, he aha e hiahiatia tuhinga, inaianei ano mohiotia. He policyholder mātau, e mohio katoa, e kore rere ki raruraru ina meinga koe kaupapa here. A haunga, faatupu te reira i te faatura o kairīanga, me te iwi mōhio ko tonu ahuareka atu ki te mahi ki te mea.