The horgalaha ah CTP. CTP territory Wehliyaha. CTP by Wehliyaha gobolka

On April 1, 2015 horgalaha avtograzhdanki gobolka ayaa la soo bandhigay in Russia, iyo laba toddobaad oo kale ka dib - u habaynta saldhig. Kharashka ayaa kordhay 40%. Sidee badan oo darawaliinta hadda inay bixiyaan siyaasadda MTPL?

isbedel-dejinta

qiima Lacagta, korodhka lacagta xadka in la xadido qeybta autocitizen wax tar lahayn ee suuqa caymiska - kuwan oo dhan arrimo keentay in kororka canshuuraha iyo ballaarinta lacagaha waddada ee 2015.

CTP territory Wehliyaha kordhay ilaa 11 gobol oo Russia iyo kale oo tiro isku dhimay. heerarka koritaanka ugu badnaan 25% la siiyo gobollada Chuvashia, Voronezh, Kurgan. In Magadansky heerka deegaanka la dhimi doonaa 41%. In Dagestan, Tove, Ingushetia, Chechnya iyo Leningrad gobolka by Wehliyaha CTP gobolka hoos.

Xisaabaha ahaayeen khubaro MSU. Sida laga soo xigtay warbixin helay, in gobollada qaar ka mid ah waxaa lagama maarmaan ahayd in la kordhiyo lacagta dadweynaha hababka gaadiidka ka badan 400%. Isbeddelka dhabta ahaa 100%. suuqa la kordhiyay canshuurta ku filan sugayay muddo dhowr sannadood ah. PCA ayaa aaminsan in hadda ka dhigi doonaa in la hagaajiyo tayada ilaalinta iyo miisaamid danaha.

Intaa waxaa dheer, in nidaamka cusub ee helitaanka lacag degdeg ah xaqiiqada ah burburka nolosha iyo caafimaadka ee dhibbanaha. Markii hore, oo dhan lacag bixinta daawaynta ka dib, ku salaysan rasiidhada gudbiyey. Payment hadda ka heli kartaa ma aha oo kaliya ku tiirsan dhibanaha, laakiin sidoo kale uu qaraabada ugu dhow.

binta

kharashka siyaasadda wuxuu ka kooban yahay qiimaha iyo heerka gaarka ah. The horgalaha sharciga CTP ee gobolku dejiyey. Shirkadaha caymiska iyaga waxba kama bedeli karo naftaada. Dhamaadkii 2014, jaangooyaha kordhay size ugu badan ee lacagaha avtograzhdanki ilaa 400 oo kun oo rubles, iyo in shirkadaha aan lacag laga badiyay - .. kordhiyo canshuuraha ay celcelis ahaan 50%.

Sida loo xisaabiyo qiimaha

formula waa mid fudud ilaa xad: horgalaha caymiska MTPL ku bateen iyadoo heerka salka. Laakiin labada qiimaha ay ku xiran tahay dhowr arrimood: .. hawada darawalka gaariga joogista gobolka, xaaladda gaariga, iwm formula caadiga Xisaab, waa sida soo socota:

Siyaasadda RT = TDB x x x BM Cuntada OK x x x x C KM Kn n x, halkaas oo:

• BT - heerka saldhig.
• CT - Wehliyaha CTP dhuleed.
• Raila Oding - tilmaame da'da / dhererka adeegga.
• BM - bonus-malus.
• OK - yareysey qiyaas.
• KM - awood engine.
• C - xilliyada.
• KH - xanuunada Wehliyaha.
• P - tilmaame muddada caymiska.

The caymis ugu qaalisan ku kici doona dadka dhallinta yar tagaan on baabuurta xoog badan magaalooyinka waaweyn. Kharashka wadayaasha khibrad leh waayo-aragnimo driving shil-free in ka badan 10 sano noqon doona ugu yar.

Heerka aasaasiga ah

MTPL kharashka siyaasadda kala duwan by Gobolka. Waayo, nooc kasta oo gaadiid, waxayna ku xiran tahay tirada kuraasta iyo tanka, dhigay ay canshuur. Waayo, milkiilayaasha baabuurta u qaybsan yahay, siday u kala sarrayn xannaanada ama hay'adaha sharciga ah. Waxa uu uusan waxba iska badalin tan iyo 2004. Waayo, qandaraasyada ee la galay ka dib markii April 1, 2015, waxaa loo isticmaali doonaa sida horgalaha ah canshuuraha caymiska CTP:

Mootooyinka iyo mootooyinka - 1507 rubles.

baabuurta:

• dadka sharci - 2945 rubles,.
• shaqsiyaadka, IP - 2455 rubles.

Mashiinnada loo isticmaalaa sida taxi ah, - 3677 rubles.

baabuurta:

• miisaanka ugu badnaan la ogolaan karo of 16 metrik - 2511 rubles.;
• in ka badan 16 metrik - 4018 rubles.

basaska:

• 20 kursi rakaabka - 2009 rubles.;
• tirada kuraasta 21 ama in ka badan - 2511 rubles.;
• Taxi - 3677 rubles.

Gaariga - 2009 rubles.

Taraamyada - 1252 rubles.

Cagaf - 1507 rubles.

tilmaamayaasha territorial

factor Tani waxay si weyn u saamayn kartaa xisaabinta. Waxay ku xidhan tahay goobta hawlgalka gaari hoose. Haddii heshiis la sameeyo on shaqsi ahaan, ka dibna loo isticmaalo meesha baabuurta ka diiwaan gashan, iyo ganacsatada - meesha diiwaangelinta gobolka ee ururka.

The CTP ratio meesha ugu weyn waxaa loo isticmaalaa in goobaha magaalooyinka la shil gaari firfircoon iyo ka-fiirsashada sare (Kazan, Perm, Yakutsk, Chabrovsk). Waayo, baabuurta awood intaa xisaabiyaa heerka sare. Sidaa darteed, darawallada TC fiican diiwaan SUV ama gaari ku nool qaraabo degaanka. Heerarka New MTPL 2015 waxaa lagu soo bandhigay shaxda hoose. 11 degmo oo tilmaamayaasha ayaa kor u kacay, iyo kuwa kale - waa la dhimay. In Moscow qiimaha index ka badelin.

Bonus-malus

Haddii kale, u dhimaya nabadgelyada this waxaa la yiraahdaa dhimista safarka dhib-free ah. Waxaa si weyn u saamayn kartaa kharashka siyaasadda. Wehliyaha Tan waxaa loo qoondeeyey oo ku salaysan xogta ku saabsan joogitaanka / maqnaanshaha darawal gaar ah heshay halkii gaariga. Sidaas daraaddeed bedelka ee gaariga ama shirkadda caymiska in la beddelo qiyaastii uusan saamayn ku lahayn. fasalka waa la cusboonaysiiyaa dhamaadka sanadka laga bilaabo taariikhda gabagabeeyo heshiiska. horgalaha CTP waxa loo xisaabinayaa si waafaqsan siyaasadaha hore, bareeg u dhexeeya heshiiska ma ahaa in ka badan 12 bilood. Haddii kale, fasalka saldhigga saddexaad milkiilaha gaariga loo xilsaaray.

Gudigga

Haddii muddada gelintu darawalka uu mas'uul ka ahaa shilka, waxa ka codsan doonaan CTP kordheen heerarka. Siyaasadda cusub 50% ka badan oo qaali ah ku kici doonto. Muddo sannad dhib-free, macaamiisha helo dhimis ah 5%. Haddii siyaasadda la soo saaray markii ugu horeysay, qiimaha index waa 1. dhimis ugu badan waa 50%. Haddii siyaasadda ku qoran dhowr wadayaasha ah (tusaale ahaan, aabbe u ahaa waraaqaha on wiilkiisa), iyo mid ka mid ah ayaa dhawaan heshay sharciga, ka dibna index loo xisaabiyo qiimaha ugu yar. Sidaas darteed, la beddelo qiimaha siyaasadda MTPL.

horgalaha New BM ogaado darawalka fasalka. Tusaale ahaan, haddii qof uu lahaa fasalka 5-tii la index qiimaha of 0.9, ka dibna uu qalad shil, ka dibna sanadka soo socda dhimis wuxuu soo daadiyaa doonaa ilaa 5%, iyo rating ah - ilaa 3. Haddii 12 bilood ee soo socda uu noqon doono dhib-free, ka darawalka filaysaa heer sare 6.

Helidda macluumaad

Bonus-malus waxaa la aasaasay oo ku saleysan taariikhda sheegashada caymiska. Si aad ula socoto iyaga ka mid ah, PCA saldhig gaar ah waxaa la abuuray 2013. Caymisku kasta 15 maalmood gudahood ka dib saxiixa dirato gudbiya xogta.

Age / waayo-aragnimo

Waayo-aragnimo dheeraad ah oo darawal u ururay, hoose qiimaha tilmaame this. Laakiin waxaa jira laba tirooyinka oo muhiim ah: da'da darawalka (22 sano) iyo 36 bilood ee driving. Xaaladdan oo kale, index ugu sareeya Bude qiimaha - 1.8. Haddii dhowr wadayaasha, waxaa la tixgeliyo qiimaha ugu badan ee index ah.

arrimaha Xaddididda for CTP (2014)

Caymiska loo gelin karaa wadayaasha badan. Haddii siyaasadda ay la soo daabici doonaa by magaca, waxa macno ah ma tirada (2 ama 5). Factor ma beddeli doono. Laakiin haddii darawalka run ahaantii ma sheegi karo oo weli isticmaali doonaa gaariga, laakiin waxa uu qirtay macquul noocan oo kale ah, qiimaha isticmaalka 1.8 ah.

xilliyada

wadayaasha badan waxa ay isticmaalaan gaadiidka kaliya ee xagaaga iyo jiilaalka waxaa ku hadhay garaashka. Ama shaqeeyaan gaariga inta lagu guda jiro safarada dheer. Xaaladaha noocaas ah, waxay soo saartay siyaasad xilliyeed muddo mid ka mid ah 3 bilood. qiimaha index waa loo siman yahay mid ka mid, waxay ku bilaabmeysaa ah 10kii bilood ee hawlgalka. Iyadoo mid ka mid gaaban tirin karaa on yar dhimis.

xadgudubyada Wehliyaha

Waxa loo isticmaalaa in kiisaska noocaas ah:

• kelmadaha beenta,
• wadidda halka sarkhaansan,
• xanaaqii ula kac shil;
• tago goobta;
• helo qofka isteerinka aan qoro siyaasadda.

Muujiyeyaasha caymiska nolosha iyo xoogga motor

Asal ahaan kala duwan yihiin inta u dhaxaysa 0.2 ilaa 1 waxaana loo isticmaalaa oo kaliya in ay shisheeye ama haddii gaariga lagu dhaqaaqin in transit. awood Engine loo arki karaa in PTSD. ratio Tani waxaa loo xisaabiyaa sida shaqo ah hooras. Haddii dukumentiyada ku qeexan kilowatts, diinta waa sida soo socota: 1 kw = 1.359 litir. a.

baabuurta trailer

Waayo, sida gaari hal hadda waa canshuur la bixin. Laakiin waxaa horumariyo Wehliyaha gaar ah, taas oo ku xiran nooca trailer, ka 1.15 in 1.45.

Iyada oo shabaqeeda

taariikhda Insurance la saarayaa qofka wuxuu leeyahay xuquuq iyo gacanta ku gaariga. Laakiin xogta waa la nadiifiyay, haddii gudahood 12 bilood ee darawalka ayaa ma uu gelin CTP siyaasad kasta. Tusaale: ma gaariga weydiin kartaa milkiilaha auto ku heshiis ah oo aan dadka ka qirtay in maamulka. Ka dib 12 bilood oo ay taariikhda waa keddibna, waxa ay noqon doontaa suurto gal ah inay la soo wareegto ay siyaasad gaar ah. milkiilayaasha gaadiidka waa in marka hore loo cusboonaysiiyo dukumentiyada in ay qaraabo, ka dibna tag on awoodda qareenimo.

isbeddello kale

fursad ay ku heshiis ah muddo ka yar hal sano ayaa hadda la heli karaa. baahi noocan oo kale ah waxaa laga yaabaa in kac, tusaale ahaan, haddii gaariga lagu helay in mid ka mid ah gobolka, iyo darawalka uu doonayo in uu u diiwaan in ka kale. Markii hore, ujeedooyin sida, siyaasadda lagu iibsaday dhowr maalmood. Haddaba caymiska sida la soo saari karaa oo keliya baabuurta shisheeye. Sidaas Warriors ku soo gunaanadi karo oo kaliya heshiis xilliyeed. Waayo, milkiilayaasha baabuurta on qalabka LPG waxaa la siiyaa 15% sicir-dhimis.

Qiimaha saldhig siyaasadaha ee magaalooyinka waaweyn Ruush

Tusaale ahaan, qaado heerka xogta ugu badan ee darawallada 23 sano oo khibrad ah maamulka la gaari ka badan saddex jir ah, kuwaas oo uu leeyahay gaari oo leh awood engine of 70-100 l ah. a.

gunaanad

Bishii Abriil 2015 ee Bank of Russia bedelay ratio ee CTP by gobolka iyo heerka aasaasiga ah. Innovations taagi doonaa kordhinta lacagta ugu badan ee lacagaha iyo xiisadda dhaqaale ee dalka. Guud ahaan, heerka koritaanka lacag si 40-60%. Horgalaha ah awood dhul bedelay oo kaliya in 11 gobol. heerka Base ayaa sidoo kale kor u kacay ma dhammaan goobaha. Waxaa jira Wehliyaha cusub ee baabuurta la trailer ah. caymiska alaabta for dhowr bilood baabuur ka diiwaan gashan Ruushka xilli oo kaliya awoodo.