Izintengo ze-OSAGO ngo-2022

Umgomo oyinhloko wokuguqulwa kwe-OSAGO ukwenza intengo yenqubomgomo ilunge kakhulu. Manje wonke umuntu ukhokha plus/susa okufanayo. Kunezici ezinhlanu kuphela ezithinta izindleko: indawo yokubhalisa, amandla enjini, ubudala bomshayeli, ulwazi lwakhe lokushayela, nokuthi uba kangaki engozini.

Le sethi yezinto ayikashintshi kusukela ngo-2003. Futhi ngalesi sikhathi kuningi okushintshile. Okubaluleke kakhulu, izinkampani zomshwalense zinezibalo eziqoqiwe futhi zingasebenzisa amasistimu amakhulu edatha. Okungukuthi, ukubophela izindleko zenqubomgomo engozini yangempela yokuthi umshayeli othile angene engozini. Ukuze abashayeli ababudedengu bakhokhele kakhulu ipholisi, nabashayeli abacophelelayo bakhokhe kancane.

Izinguquko eziyinhloko ezindlekweni ze-OSAGO

Kungaba iphutha ukuthatha futhi uguqule ngokushesha lonke uhlelo. Khona-ke izindleko zenqubomgomo zizoshintsha kakhulu. Ngakho-ke, i-Central Bank yenza konke kancane kancane. Ikakhulukazi, kancane kancane bandisa umhubhe wamazinga e-tariff. Eminyakeni yamuva nje, likhule ngo-30% kokubili phezulu naphansi.

"IBhange Lezwe Lethu lihlela ukwandisa i-OSAGO tariff corridor ukuze izinkampani zomshuwalense zikwazi ukubeka intela ephansi kubashayeli abacophelelayo kanye nentela ephakeme kulabo abashayela ingozi futhi bephula imithetho yomgwaqo," kusho isitatimende seBhange Elikhulu esitatimendeni.

Manje isilinganiso esincane esiyisisekelo se-OSAGO sabantu ngabanye 2224 ruble, futhi esiphezulu kuyinto Ama-ruble angu-5980. Okwezinhlangano ezisemthethweni nabashayeli bamatekisi abanelayisensi, amanani abo.

- Ngenxa yezinga eliphezulu lezingozi, umehluko omkhulu phakathi kwezinga labashayeli kanye nokubukelwa phansi okuphawulekayo kwezindleko, ukunwetshwa okukhulu komhubhe kunikezwa amatekisi. Umhubhe obanzi uzovumela i-ruble ukuthi ithonye ngokuphumelelayo abashayeli bamatekisi abangaqondi kahle futhi inciphise intela yabashayeli abacophelelayo, isevisi yabezindaba ye-Central Bank yachaza.

Isilinganiso esiyisisekelo kanye nephaseji yentela ye-MTPL ngo-2022 (RUB)*:

I-OSAGO tariff corridor, kucatshangelwa i-coefficient yesifunda eMoscow ngo-2022 (ama-ruble):

Yini eshintshile ohlelweni lwe-OSAGO ngo-2021

• Baphakamisa ukuvinjelwa komsebenzi wesivumelwano se-elektroniki se-OSAGO ngosuku lwesiphetho (ngaphambilini kwakudingekile ukulinda amahora angu-72). Kodwa-ke, abahlinzeki bomshuwalense banelungelo lokunquma ukuthi yisiphi isikhathi esinqunyiwe okufanele sibekwe.
• Ungakwazi ukunqamula ukude noma wenze izinguquko kwinkontileka yomshwalense wemoto (esigabeni sokuhlola).
• Ukuthengiswa kwezinqubomgomo akuncikile ekuphumeleleni ukuhlolwa kobuchwepheshe - kuvumeleke kubantu ngabanye kuphela.

Yini eshintshile ohlelweni lwe-OSAGO ngo-2022

• Kusukela ngo-Ephreli 1, ama-coefficients amasha ebhonasi-malus avele - KBM. Bayadingeka ukuze bakhuthaze abashayeli ukushayela ngaphandle kwezingozi. Futhi ngokuphambene nalokho: kubahlanganyeli abavamile engozini (ngephutha labo), izinqubomgomo zizobiza kakhulu. Ngo-2022, i-coefficient encane lapho inani le-premium yomshuwalense ibalwa khona (okungukuthi, amanani e-OSAGO) yehla isuka ku-0,5 yaya ku-0,46. Okusho ukuthi, manje isaphulelo esiphezulu senqubomgomo singama-54%. Izonikezwa labo abagweme izingozi iminyaka eyishumi noma ngaphezulu. Ayikho inhlanhla kulabo ababeyimbangela yezingozi zezimoto. Kubo, i-coefficient ephezulu inyusiwe: yaya ku-3,92 (yayingu-2,45). Ama-coefficient amasha asebenza kuze kube umhla ka-31 Mashi 2023.
• Imihlahlandlela yezingxenye zezimoto ebuyekeziwe. Babala inani lesinxephezelo. Amanani eqa eminyakeni yamuva nje, ngakho imibhalo iyakucabangela lokhu.

Yiziphi izici ezithonya intengo ye-OSAGO

Kukhona ezimbalwa zazo. Zicacile futhi ziyaqondakala. Kunamathebula aphelele wama-coefficient³. Isibonelo, ngokwesifunda sokubhaliswa, amandla emoto noma iminyaka yomshayeli. Ngesikhathi esifanayo, ingxenye yezinto zomuntu siqu zokunquma izinga lesisekelo yanikezwa izinkampani zomshuwalense ngokwazo. Babevinjelwa kuphela ngokubandlulula obala: isibonelo, ngobuzwe noma inkolo.

- Akunangqondo ukukhuluma ngohlu oluqondile lwezinto ezizosetshenziswa. Kodwa izibonelo esizibonile kozakwethu bakwamanye amazwe ziyafika engqondweni. Lesi yisikhathi sokusebenza kwemoto kanye nemvamisa yokusetshenziswa. Uma usebenzisa i-telematics, ungabona isitayela sokushayela somshayeli. Izici ezingaqondile - ukuba khona komndeni womnikazi wemoto nezinye izinto zempahla. Lokhu ngokuvamile kubonisa indlela yokushayela ekhawulelwe kakhulu. IPhini likaSihlalo weBhange Elikhulu uVladimir Chistyukhin.

Ingabe izinqubomgomo ze-OSAGO zizokhuphuka ngentengo?

I-Central Bank ikholelwa ukuthi amanani entengo akhona manje ayalingana. Manje abathinteki kuphela ngomhubhe oqokiwe, kodwa futhi nezinkampani zomshuwalense. Nokho, amanani mancane amathuba okuthi anyuke. Imakethe inokuncintisana kakhulu. Kulwelwa abashayeli abaqotho.

Kodwa-ke, ukuze kugwenywe ukweqisa kwamanani entengo, izinkampani zomshwalense zibeke ungqimba lwezindleko zepholisi. Ngokwale mithetho, intengo ye-OSAGO ayikwazi ukudlula izinga lesisekelo, ngokucabangela isifunda, izikhathi ezingaphezu kwezintathu. Isibonelo, uma uhlala eMoscow (lapho i-coefficient yesifunda ingu-1,8) futhi umshwalense ubale inani lesisekelo sakho kuma-ruble angu-5000, khona-ke izindleko eziphezulu zenqubomgomo yakho zizoba ama-ruble angu-4140 (5000 x 1,8), 0,46 x 3,92). Futhi uma, ngokuphambene nalokho, uyisigebengu esivamile engozini ene-KBM esiphezulu (5000), khona-ke ukubala kuyoba 1,8 x 3,92 x 35 = XNUMX ruble.

Sicela uqaphele ukuthi abahlinzeki bomshuwalense nabo bacabangela iminyaka yomshayeli kanye nesipiliyoni sokushayela, ngakho-ke esimweni sakho, izibalo zingase zihluke.

Yimaphi amanye amathuba azoshintsha

Ngaphambilini, iBhange Elikhulu lenze izinguquko kwamanye ama-coefficient akhona. Ikakhulukazi, ngeminyaka kanye nesipiliyoni sokushayela. Ukulungiswa okuncane, okusekelwe kwizibalo, kwakungokweminyaka yonke. Sekukonke, ohlelweni olusha, abashayeli bezimoto bahlukaniswe izigaba ezingama-58 kuye ngeminyaka yobudala nolwazi lokushayela.

Ngesikhathi esifanayo, i-coefficient yesifunda ayikathintwa. Kwakuhlelwe ukuthi kukhanselwe esigabeni esilandelayo sokuguqulwa ngo-2022. Njengoba kwenzeka, ngokusekelwe kwizibalo zesikhathi eside, uma indawo yokuhlala ithinta izinga lengozi, uma yenza, khona-ke ngokungaqondile. Izimfanelo zomuntu siqu zomshayeli zidlala indima enkulu kakhulu. Kodwa kuzoba nzima ukushiya ngokushesha uhlelo lwamanje. Akukacaci ukuthi isikhonkwane sesifunda sizosuswa yini ngo-2022 uma kubhekwa isimo somnotho esintengantengayo.

"Sizosuka ngokucophelela futhi kancane kancane kulawa ma-coefficients," echaza. UVladimir Chistyukhin.

Ngokusho kwakhe, lokhu kuyadingeka ukuze kugwenywe ukushintshashintsha okubukhali kwezindleko. Ngemva kokuqedwa kwe-coefficient yesifunda, intengo yenqubomgomo, ngokwesilinganiso, izokwehla kubahlali balezo zifunda lapho le coefficient iphezulu. Futhi, ngokuphambene nalokho, izokwanda kubahlali balezo zifunda lapho iphansi khona. Khumbula ukuthi manje i-coefficient yesifunda ephezulu ingu-1,88; ubuncane bungu-0,68.

Imithetho emisha yokuhlola ngo-2022

Ukuze uthenge i-OSAGO, akusadingeki ubonise ikhadi lokuxilonga. Kodwa lokhu kusebenza kuphela kwezokuthutha ezizimele - abantu ngabanye. Lokhu kungenxa yokuthi izindawo zokuhlolwa kwezobuchwepheshe azisebenzi kahle yonke indawo Ezweni Lethu. Ngaphezu kwalokho, izingozi ngenxa yesimo esingalungile sezimoto enanini eliphelele lezingozi ziyiphesenti elincane (0,1% ngokusho kwamaphoyisa omgwaqo).

Nokho, manje, izinkampani zomshwalense zinelungelo lokudayisela amapholisi abiza kakhulu kulabo abanikazi bezimoto abangazange baphumelele ukuhlolwa. Ngesikhathi esifanayo, ukukhululeka emthethweni akukhululi esibophweni sokuhamba ngenqubo noma kunjalo. Kusukela ngoMashi 1, 2022, inhlawulo yokushayela imoto engazange ihlolwe izoba ngama-ruble angama-2000 (ngaphambi kwalokho, inani eliphakeme lama-ruble angama-800). Ngaphezu kwalokho, amakhamera azokwazi ukuyibhala.

Imibuzo nezimpendulo ezidumile

Imithombo ye

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