OSAGO tariffs muna 2022

Chinangwa chikuru chekugadzirisa OSAGO ndechekuita kuti mutengo wepurogiramu uwedzere kunaka. Iye zvino munhu wese anobhadhara kuwedzera/kubvisa zvakafanana. Pane zvinhu zvishanu chete zvinokanganisa mutengo: nharaunda yekunyoresa, simba reinjini, zera remutyairi, ruzivo rwake rwekutyaira, uye kuti anopinda kangani mutsaona.

Iyi seti yezvinhu haina kuchinja kubva muna 2003. Uye panguva ino zvakawanda zvakachinja. Chinonyanya kukosha, mainishuwarenzi akaunganidza nhamba uye anogona kushandisa makuru data system. Ndiko kuti, kusungirira mutengo wepolicy kune ngozi chaiyo yekuti mumwe mutyairi apinde mutsaona. Kuti vatyairi vasina hanya vabhadhare mari yakawanda kupolicy, uye vatyairi vanongwarira vanobhadhara zvishoma.

Kuchinja kukuru mumitero yeOSAGO

Zvingave zvakaipa kutora uye nekukurumidza kushandura iyo system yese. Ipapo mutengo wepolicy waizochinja zvikuru. Naizvozvo, Central Bank iri kuita zvese zvishoma nezvishoma. Kunyanya, ivo vari kuwedzera zvishoma nezvishoma mukoridho wemitengo yemitengo. Mumakore achangopfuura, yakawedzera ne30% kumusoro nekudzika.

"Bhangi reNyika Yedu rinoronga kuwedzera OSAGO tariff corridor kuitira kuti makambani einishuwarenzi akwanise kuisa mutero wakaderera kune vatyairi vakangwarira uye mutero wepamusoro kune avo vanotyaira zvine njodzi uye vanotyora mitemo yemigwagwa," Central Bank yakati mune chirevo.

Ikozvino iwo mashoma ekutanga OSAGO mwero wevanhu ndewe 2224 rubles, uye iyo yepamusoro ndeye 5980 rubles. Kune masangano emutemo uye vatyairi vetekisi vane rezinesi, mitengo yavo.

-Nekuda kwehuwandu hwetsaona yakakura, musiyano wakakosha pakati peyero yevatyairi uye kushomeka kwakakosha kwemitero, kuwedzera kukuru kwekoridhi kunopihwa matekisi. Mukoto wakafara unobvumidza iyo ruble kuti inyatso kupesvedzera vatyairi vetekisi vasina kurongeka uye kuderedza mutero wevatyairi vanongwarira, basa rekudhinda reCentral Bank rakatsanangura.

Base rate uye MTPL tariff corridor muna 2022 (RUB)*:

OSAGO tariff corridor, tichifunga nezvedunhu coefficient muMoscow muna 2022 (rubles):

Chii chakachinja muOSAGO system muna 2021

• Vakasimudza kurambidzwa kwebasa rechibvumirano chemagetsi OSAGO pazuva rekupedzisa (kare zvaive zvakakodzera kumirira maawa 72). Nekudaro, veinishuwarenzi vane kodzero yekusarudza kuti ndeipi nguva yekuseta.
• Iwe unogona kumisa kure kure kana kugadzirisa kune mota inishuwarenzi kontrakiti (mudanho rekuyedza).
• Kutengeswa kwemitemo hakunei nekupfuura tekinoroji yekuongorora - inoshanda kune vanhu chete.

Chii chakachinja muOSAGO system muna 2022

• Kubva Kubvumbi 1, mabhonasi-malus coefficients matsva akaonekwa - KBM. Vanodiwa kukurudzira vatyairi kutyaira pasina tsaona. Uye zvakasiyana: kune vanogara vachitora mutsaona (kuburikidza nemhosva yavo), mitemo ichave inodhura. Muna 2022, iyo yakaderera coefficient iyo iyo mari yeinishuwarenzi inoverengerwa (kureva, OSAGO mitengo) yakadzikira kubva 0,5 kusvika 0,46. Ndiko kuti, ikozvino iyo yakanyanya kuderedzwa yepolicy ndeye 54%. Ichapihwa kune avo vakanzvenga tsaona kwemakore gumi kana kupfuura. Hapana rombo rakanaka kune avo vaive honzeri dzetsaona dzemotokari. Kwavari, iyo yakawanda coefficient yakawedzera: kusvika 3,92 (yaive 2,45). Iwo macoefficients matsva anoshanda kusvika Kurume 31, 2023.
• Yakagadziridzwa auto zvikamu zvinotungamira. Vanoverenga kuwanda kwemuripo. Mitengo yakakwira mumakore achangopfuura, saka zvinyorwa zvinotora izvi.

Ndezvipi zvinhu zvinokonzera mutengo weOSAGO

Kune akati wandei awo. Zvakajeka uye zvinonzwisisika. Kune matafura akazara e coefficients³. Semuenzaniso, nenharaunda yekunyoresa, simba remotokari kana zera remutyairi. Panguva imwecheteyo, chikamu chezvikonzero zvemunhu pakusarudza mwero wepasi chakapihwa kumakambani einishuwarenzi ivo pachavo. Vakarambidzwa chete pachena kusarura: somuenzaniso, nenyika kana chitendero.

-Hazvina musoro kutaura nezve iyo chaiyo rondedzero yezvinhu zvichashandiswa. Asi mienzaniso yatakaona kubva kune vamwe vatinoshanda navo inouya mupfungwa. Iyi ndiyo nguva yekushanda kwemotokari uye kuwanda kwekushandiswa. Paunenge uchishandisa telematics, unogona kuona maitiro ekutyaira emutyairi. Zvinhu zvisina kunanga - kuvapo kwemhuri yemuridzi wemotokari uye zvimwe zvinhu zvepfuma. Izvi zvinowanzoratidza imwe nzira yekutyaira yakadzora. Mutevedzeri wasachigaro weCentral Bank Vladimir Chistyukhin.

Ko OSAGO mitemo ichakwira mumutengo?

Central Bank inotenda kuti mitero iripo ikozvino yakaenzana. Iye zvino vanobatwa kwete chete nekoridhi yakasarudzwa, asiwo nemakambani einishuwarenzi. Zvisinei, mitengo haigoni kukwira. Musika wacho unokwikwidza zvikuru. Pane kurwira vatyairi vakanaka.

Nekudaro, kuitira kudzivirira kukwira kwemitengo, makambani einishuwarenzi akaisa sirin'i pamutengo wepolicy. Maererano nemitemo iyi, mutengo weOSAGO haugoni kudarika chiyero chepamusoro, uchifunga nezvenharaunda, nekanopfuura katatu. Semuenzaniso, kana iwe uchigara muMoscow (apo iyo yedunhu coefficient iri 1,8) uye inishuwarenzi yakaverengera mwero wepakati iwe pa5000 rubles, ipapo iyo yakanyanya mutengo wepolicy kwauri ichave 4140 rubles (5000 x 1,8, 0,46 x 3,92). Uye kana, pane zvinopesana, iwe unogara uine mhosva mutsaona ine yakakura KBM (5000), ipapo kuverenga kuchava 1,8 x 3,92 x 35 = XNUMX rubles.

Ndokumbira utarise kuti mainishuwarenzi anofungawo zera remutyairi uye ruzivo rwekutyaira, saka mune yako, maverengero anogona kunge akasiyana.

Ndeapi mamwe maitiro achachinja

Pakutanga, Central Bank yakaita shanduko kune mamwe macoefficients aripo. Kunyanya, nezera uye ruzivo rwekutyaira. Kugadziriswa kudiki, kwakavakirwa pahuwandu, kwaive kwemazera ese. Pakazara, muhurongwa hutsva, vatyairi vakakamurwa kuita zvikamu makumi mashanu nesere zvichienderana nezera uye ruzivo rwekutyaira.

Panguva imwecheteyo, coefficient yedunhu haisati yabatwa. Yakanga yakarongerwa kubviswa pachikamu chinotevera chekugadzirisa muna 2022. Sezvazvakazoitika, zvichibva pahuwandu hwenguva refu, kana nzvimbo yekugara inokanganisa chiyero chengozi, kana ikadaro, ipapo chete zvisina kunanga. Hunhu hwemunhu hwemutyairi hunoita basa rakakura. Asi zvichange zvakaoma kukurumidza kusiya hurongwa huripo. Hazvisati zvajeka kuti hoko yedunhu ichasimudzwa here muna 2022 nemamiriro akaita zvinhu munyaya dzehupfumi.

"Tichanyatso uye zvishoma nezvishoma kubva kune aya coefficients," akatsanangura kudaro. Vladimir Chistyukhin.

Maererano naye, izvi zvinodiwa kuti udzivise kushanduka kwakapinza mumutengo. Mushure mekubviswa kweiyo coefficient yedunhu, mutengo weiyo mutemo, paavhareji, uchaderera kune vagari venzvimbo iyo iyo coefficient yakakwirira. Uye ichaita, pane kudaro, kuwedzera kune vagari venzvimbo idzo dzakaderera. Yeuka kuti ikozvino iyo yakawanda yedunhu coefficient ndeye 1,88; shoma i0,68.

Mitemo mitsva yekuongorora muna 2022

Kuti utenge OSAGO, hauchadi kuratidza kadhi yekuongorora. Asi izvi zvinoshanda chete kune vega zvifambiso - vanhu. Izvi zvinokonzerwa nekuti tekinoroji yekuongorora nzvimbo hadzishande nemazvo kwese kwese muNyika Yedu. Pamusoro pezvo, tsaona nekuda kwekutadza kwemota muhuwandu hwetsaona ishoma muzana (0,1% maererano nemapurisa emigwagwa).

Iye zvino, zvisinei, makambani einishuwarenzi ane kodzero yekutengesa mitemo inodhura kune avo varidzi vemotokari vasina kupasa kuongororwa. Panguva imwecheteyo, kurerutsira mumutemo hakusunungurwi kubva kune chisungo chekufamba nenzira yacho zvakadaro. Kubva munaKurume 1, 2022, faindi yekutyaira mota isina kupasa kuongororwa ichave 2000 rubles (zvisati zvadaro, inodarika mazana masere rubles). Mukuwedzera, makamera achakwanisa kuinyora kunze.

Mibvunzo nemhinduro dzakakurumbira

Zvitubu zve

1. http://cbr.ru/press/event/?id=6894

2. https://www.garant.ru/products/ipo/prime/doc/403224566/

3. https://cbr.ru/Queries/UniDbQuery/File/90134/2495