A coefficients na CTP. Coefficient ƙasa CTP. CTP da yankin coefficient

A Afrilu 1, 2015 shiyya avtograzhdanki coefficients aka gabatar a Rasha, da kuma bayan wani makonni biyu - modified tushe. Kudade sun karu da 40%. Yadda yawa direbobi yanzu biya domin MTPL siyasa?

majalisu canje-canje

Kudin ragewar darajar kuɗi, da karuwa a cikin iyaka biya rage marasa amfani baki ɗaya autocitizen kashi a cikin inshora kasuwar - duk wadannan dalilai ne suka kai ga karuwa a tariffs da kuma fadada daga cikin corridor biya a shekarar 2015.

Coefficient ƙasa CTP karu zuwa 11 yankuna na Rasha da kuma wani for guda lambar rage. Matsakaicin ci gaban rates na 25% azurta Chuvashia, Voronezh, Kurgan yankuna. A Magadansky yanki rates za a rage by 41%. A Dagestan, Tove, Ingushetia, Chechnya da kuma Birnin Leningrad yankin da yankin CTP coefficient rage.

Lissafi sun MSU masana. A cewar bayanai samu, a cikin wasu yankuna da shi ya wajaba mu ƙara kudin tafiya a kan jama'a kai halaye fiye da 400%. The real canji ya 100%. Isasshen jadawalin kuɗin fito karuwa kasuwar da aka jiran 'yan shekaru. A PCA yi imani da cewa yanzu za su yi don inganta ingancin kariya da kuma daidaita da bukatun.

Bugu da kari, wani sabon tsarin da samun m biyan bashin hujjar da lalacewar rai da kuma kiwon lafiya na azabtar. A baya can, duk biya sanya bayan da magani, a kan tushen da ƙaddamar receipts. Biya zai iya samun yanzu ba kawai dogara da aka azabtar, amma kuma ya uwansa.

farashin

kudin da manufofin da aka yi sama da kudin tafiye-tafiye da kuma na musamman rates. A coefficients na CTP dokar kafa ta jihar. Kamfanonin inshora ba zai iya canza su da kanka. A karshen shekarar 2014, cikin kayyadewa ya karu da matsakaicin size of avtograzhdanki biya zuwa 400 dubu rubles, da kuma cewa kamfanoni suna ba rasa kudi - .. Karuwan ta tariffs da wani talakawan of 50%.

Yadda yin lissafi da kudin

Da dabara ne quite sauki: MTPL inshora coefficients suna yawaita da tushe kudi. Amma duka biyu dabi'u dogara a kan wani adadin dalilai: .. Ci Gaba direban na yankin zaman mota, abin hawa yanayin, da dai sauransu A saba dabara domin lissafi ne kamar haka:

Policy RT = TDB x x x BM FAC OK x x x C x KM KN x n, inda:

• BT - tushe kudi.
• CT - yankin CTP coefficient.
• KBC - wani nuna alama daga cikin shekaru / tsawon sabis.
• BM - bonus-malus.
• OK - iyakance gwargwado.
• KM - engine iko.
• C - seasonality.
• KH - coefficient cuta.
• P - wani nuna alama daga cikin inshora lokaci.

A mafi tsada inshora siyasa za kudin da matasa suka je a kan m motoci a manyan birane. Halin kaka samu direbobi da hatsari-free tuki kwarewa fiye da shekaru 10 zai kasance kadan.

Ainihin rate

MTPL manufofin kudin dabam da yankin. Domin kowane irin kai, dangane da yawan kujerun da tonnage, kafa ta jadawalin kuɗin fito. Ga masu motoci da shi ne zuwa kashi, bisa ga xabi'a shahararsa ko doka abokai. Ya ya canza ba tun 2004. Domin kwangila da cewa an shiga bayan Afrilu 1, 2015, za a yi amfani da irin wannan coefficients na inshora tariffs CTP:

Babura da kuma Scooters - 1507 rubles.

Cars:

• doka mutane - 2945 rubles.;
• mutane, IP - 2455 rubles.

Inji amfani da wani taxi, - 3677 rubles.

Babban Motoci:

• tare da iyakar halatta nauyi na 16 ton - 2511 rubles.;
• fiye da 16 ton - 4018 rubles.

bas:

• tare da 20 fasinja kujeru - 2009 rubles.;
• yawan kujerun 21 ko fiye - 2511 rubles.;
• Taxi - 3677 rubles.

Trolley - 2009 rubles.

Trams - 1252 rubles.

Tractors - 1507 rubles.

yankin Manuniya

Wannan factor iya ƙwarai shafi lissafin. Ya dogara da yankin na farko hawa aiki. Idan kwangila aka sanya a kan mutum, sai ya yi amfani da wuri motoci rajista, da kuma ga 'yan kasuwa - da wuri na jihar rajista daga cikin kungiyar.

The most yanki rabo CTP da ake amfani a Metropolitan yankunan da aiki zirga-zirga hatsari da kuma wani babban taro (Kazan, Perm, Yakutsk, Chelyabinsk). Domin iko cars bugu da žari lasafta high rates. Saboda haka, TC masu motoci mafi rajistar SUV ko truck a kan wani zumunta rai a cikin yankin. New MTPL rates for 2015 aka gabatar a tebur a kasa. Ga 11 gundumomi Manuniya an ya karu, kuma ga wasu - an rage. A Moscow tamanin da index zauna canzawa.

Bonus-malus

In ba haka ba, wannan siga da aka kira da rangwame ga matsala-free tafiya. Yana iya muhimmanci shafi kudin da siyasa. Wannan coefficient da ake sa bisa data game da kasancewar / babu wani takamaiman payout direban maimakon na abin hawa. Saboda haka cewa sauyawa daga cikin abin hawa, ko da inshora kamfanin canza awo ba zai tasiri. A ajin da aka wallafa a karshen shekara ta daga ranar ƙarshe na kwangila. CTP coefficients aka lasafta bisa ga m manufofin, da tazara tsakanin kwangila ya ba fiye da watanni 12. In ba haka ba, da sanya mota mai uku tushe aji.

nuances

Idan a cikin rarrabe lokacin da direba da alhakin hatsari, shi za su shafi CTP ya karu rates. A sabon manufofin za su kudin 50% mafi tsada. Domin matsala-free shekara, abokin ciniki sami wani rangwame na 5%. Idan manufofin da aka bayar da farko, da darajar da index ne 1. A kalla rangwame ne 50%. Idan siyasa ne rubũtacce dama direbobi (misali, uban na paperwork a kan dansa), kuma daya daga cikinsu kwanan karɓi Shari'a, sa'an nan da index da aka lasafta a m kudi. Saboda haka, canza darajar MTPL siyasa.

New coefficients BM ƙayyade aji direba. Ga misali, idan mutum ya yi wani 5th sa da darajar index of 0.9, sa'an nan zuwa ga Laifi na wani hatsari, sa'an nan gaba shekara da rangwame zai sauke zuwa 5%, da kuma rating - har zuwa 3. Idan na gaba 12 watanni zai zama matsala-free, da da direba bukata mafi girma matakin 6.

samun bayanai

Bonus-malus aka kafa a kan tushen da tarihi na inshora siffantawa. Don ci gaba da lura da su, musamman tushe PCA aka kafa a shekarar 2013. Kowane insurer cikin kwana 15 bayan shiga kula watsa bayanai.

Age / kwarewa

A mafi kwarewa tara direba, da ƙananan darajar wannan nuna alama. Amma akwai biyu muhimmanci Figures: direba ta shekaru (22 years) da watanni 36 na tuki. A wannan yanayin, bude mafi index darajar - 1.8. Idan dama direbobi, shi ne a dauki la'akari da matsakaicin darajar da index.

Iyakance dalilai for CTP (2014)

A inshora za a iya shiga mahara direbobi. Idan manufofin da suka za a jera sunayensu, ba kome da lamba (2 ko 5). Factor ba zai canza. Amma idan direban da gaske ba zai iya gaya wa zai har yanzu amfani da mota, amma ya yarda da irin wannan yiwuwar, da yin amfani da darajar 1.8.

seasonality

Mutane da yawa direbobi amfani da abin hawa kawai a cikin rani da kuma hunturu aka bar a cikin gareji. Ko aiki da mota a lokacin dogon tafiye-tafiye. A irin haka ne, shi bayar da wani yanayi siyasa domin wani lokaci na watanni 3. A index darajar ne daidai da daya, shi zai fara da watanni 10 na aiki. Tare da gajeriyar daya zai iya ƙidaya a kan wani kadan rangwame.

keta coefficient

Ana amfani a irin haka:

• yin ƙarya kalamai.
• tuki yayin da m;
• m tsokanar wani hatsari;
• barin fage;
• gano da mutum baya da dabaran da aka ba rubũtacce a cikin manufofin.

Manuniya na rayuwa inshora da kuma mota ikon

Origin dabam tsakanin 0.2 zuwa 1 da aka yi amfani da kawai zuwa kasashen waje ko kuma idan abin hawa ne motsi a sufuri. Engine ikon za a iya gani a PTSD. Wannan rabo da aka lasafta a matsayin aiki na horsepower. Idan takardun kayyade a kilowatts, da hira ne kamar haka: 1 kW = 1.359 lita. wani.

Cars trailer

Domin irin wannan guda hawa ne yanzu jadawalin kuɗin fito ba a bayar. Amma shi ɓullo da wani musamman coefficient, wanda ya dogara a kan irin trailer, daga 1.15 zuwa 1,45.

Tare da mai tsabta sheet

Inshora tarihi da aka sa a kan mutum da ke da hakkin da kuma iko da abin hawa. Amma da data aka barrantar, idan a cikin watanni 12 da direban ya ba shiga wani siyasa CTP. Misali: babu abin hawa mai iya tambaya mai shi daga cikin auto sayayya ba tare da mutane shigar da management. Bayan watanni 12 na da tarihi shi ne sake saiti, zai yiwu ya shiga nasu siyasa. Vehicle masu dole ne farko sabunta takardun zuwa zumunta, sa'an nan tafi a kan ikon lauya.

wasu canje-canje

The damar sayayya na tsawon kasa da shekara guda ne yanzu akwai. Irin wannan bukatar iya tashi, ga misali, idan abin hawa da aka samu a daya yankin, da kuma direban son yin rajistar da shi a cikin wasu. A baya can, domin irin wannan dalilai, da manufofin da aka saya a 'yan kwanaki. Yanzu irin wannan inshora za a iya bayar kawai don waje motocin. Saboda haka da Warriors iya kawai gama yanayi kwangila. Ga abin hawa masu a kan LPG kayan aiki da aka bayar 15% rangwame.

A tushe kudin na manufofin a manyan biranen Rasha

Alal misali, sama da matsakaicin data rates ga direbobi shekaru 23 na gudanar da kwarewa da wani abin hawa kan shekaru uku, da haihuwa, wanda ke da wani mota tare da wani engine damar 70-100 l. wani.

ƙarshe

A watan Afrilu 2015 da bankin na Rasha ya canja da rabo daga CTP da yankin da kuma na asali rates. Innovations zai shirya kara da matsakaicin adadin biya da kuma tattalin arziki da rikicin a kasar. A general, da ci gaban rates amounted zuwa 40-60%. Coefficients na yankin iko canza kawai a 11 yankunan. Base rates su ma sun karu ba a duk yankuna. Akwai wani sabon coefficient ga motocin da wani trailer. Contents inshora ga 'yan watanni ga wani abin hawa rajista a Rasha Federation iya kawai seasonally.