txheem
- Kev hloov pauv tseem ceeb hauv OSAGO tariffs
- Tus nqi pib thiab MTPL tariff txoj kev hauv tsev hauv 2022 (RUB) *:
- OSAGO tariff txoj kev hauv tsev, coj mus rau hauv tus account lub cheeb tsam coefficient hauv Moscow hauv 2022 (rubles):
- Dab tsi tau hloov pauv hauv OSAGO system hauv 2021
- Dab tsi tau hloov pauv hauv OSAGO system hauv 2022
- Yam dab tsi cuam tshuam tus nqi ntawm OSAGO
- Puas yuav OSAGO cov cai nce nqi?
- Lwm yam txawv txawv yuav hloov li cas
- Kev tshuaj xyuas tshiab hauv 2022
- Nrov lus nug thiab lus teb
- Qhov chaw ntawm
Lub hom phiaj tseem ceeb ntawm OSAGO hloov kho yog ua kom tus nqi ntawm txoj cai ncaj ncees. Tam sim no txhua tus them nyiaj ntxiv / rho tawm tib yam. Muaj tsuas yog tsib yam uas cuam tshuam rau tus nqi: thaj tsam ntawm kev sau npe, lub zog ntawm lub cav, hnub nyoog ntawm tus neeg tsav tsheb, nws txoj kev tsav tsheb, thiab ntau npaum li cas nws tau txais kev huam yuaj.
Cov txheej txheem no tsis tau hloov txij li xyoo 2003. Thiab lub sijhawm no tau hloov ntau heev. Qhov tseem ceeb tshaj plaws, cov tuam txhab tuav pov hwm tau sau cov txheeb cais thiab tuaj yeem siv cov ntaub ntawv loj. Ntawd yog, txhawm rau khi tus nqi ntawm txoj cai rau qhov kev pheej hmoo tiag tiag ntawm tus neeg tsav tsheb tshwj xeeb tau txais kev sib tsoo. Yog li ntawd cov neeg tsav tsheb tsis zoo them nyiaj ntau dua rau txoj cai, thiab cov neeg tsav tsheb ceev faj them tsawg dua.
Kev hloov pauv tseem ceeb hauv OSAGO tariffs
Nws yuav tsis ncaj ncees lawm coj thiab tam sim ntawd hloov tag nrho cov system. Ces tus nqi ntawm txoj cai yuav hloov heev. Yog li ntawd, Central Bank ua txhua yam maj mam. Tshwj xeeb, lawv maj mam nthuav txoj hauv kev ntawm cov nqi tariff. Hauv xyoo tas los no, nws tau nthuav tawm 30% ob qho tib si nce thiab nqis.
"Lub Tuam Txhab Nyiaj Txiag ntawm Peb Lub Tebchaws npaj yuav nthuav dav OSAGO tariff corridor kom cov tuam txhab pov hwm tuaj yeem tsim tus nqi qis rau cov neeg tsav tsheb ceev faj thiab tus nqi siab dua rau cov neeg tsav tsheb pheej hmoo thiab ua txhaum txoj cai tsheb," Central Bank tau hais hauv nqe lus.
Tam sim no qhov tsawg kawg nkaus OSAGO tus nqi rau cov tib neeg yog 2224 rubles, thiab qhov siab tshaj plaws yog 5980 rub. Rau cov koom haum raug cai thiab cov neeg tsav tsheb tavxij nrog daim ntawv tso cai, lawv cov nqi.
- Vim tias muaj kev sib tsoo siab, qhov sib txawv tseem ceeb ntawm qib ntawm cov neeg tsav tsheb thiab qhov tseem ceeb ntawm cov nqi qis, qhov loj tshaj plaws nthuav dav ntawm txoj kev hauv tsev yog muab rau cov tsheb tavxij. Txoj kev dav dav yuav tso cai rau ruble kom muaj txiaj ntsig zoo rau cov neeg tsav tsheb uas tsis muaj kev qhuab qhia thiab txo tus nqi rau cov neeg tsav tsheb ceev faj, kev pabcuam xovxwm ntawm Central Bank tau piav qhia.
Tus nqi pib thiab MTPL tariff txoj kev hauv tsev hauv 2022 (RUB) *:
| Cov neeg caij tsheb ntawm cov koom haum raug cai | 1152 - 4541 |
| Cov neeg caij tsheb ntawm tus kheej thiab tus neeg ua lag luam | 2224 - 5980 |
| Cov neeg caij tsheb tavxij | 2014 - 12505 |
| Motorcycles, mopeds thiab lub teeb quadricycles ntawm cov tib neeg thiab cov chaw raug cai | 438 - 2013 |
OSAGO tariff txoj kev hauv tsev, coj mus rau hauv tus account lub cheeb tsam coefficient hauv Moscow hauv 2022 (rubles):
| Cov neeg caij tsheb ntawm cov koom haum raug cai | 2073,6 - 8173,8 |
| Cov neeg caij tsheb ntawm tus kheej thiab tus neeg ua lag luam | 4003,2 - 10764 |
| Cov neeg caij tsheb tavxij | 3625,2 - 22509 |
| Motorcycles, mopeds thiab lub teeb quadricycles ntawm cov tib neeg thiab cov chaw raug cai | 788,4 - 3623,4 |
Dab tsi tau hloov pauv hauv OSAGO system hauv 2021
- Lawv tau tshem tawm qhov txwv tsis pub ua haujlwm ntawm daim ntawv cog lus hluav taws xob OSAGO rau hnub xaus (yav dhau los nws yuav tsum tau tos 72 teev). Txawm li cas los xij, cov neeg tuav pov hwm muaj cai txiav txim siab seb lub sijhawm txwv yuav teem caij li cas.
- Koj tuaj yeem txiav tawm lossis hloov kho rau daim ntawv cog lus pov hwm tsheb (hauv theem kev sim).
- Kev muag ntawm cov cai tsis yog nyob ntawm kev dhau qhov kev tshuaj ntsuam xyuas - nws siv tau rau tib neeg nkaus xwb.
Dab tsi tau hloov pauv hauv OSAGO system hauv 2022
- Txij li thaum Lub Plaub Hlis 1, cov txiaj ntsig tshiab-malus tau tshwm sim - KBM. Lawv xav tau los txhawb cov neeg tsav tsheb kom tsis txhob muaj kev sib tsoo. Thiab vice versa: rau cov neeg koom nrog kev sib tsoo (los ntawm lawv qhov txhaum), cov cai yuav raug nqi ntau dua. Nyob rau hauv 2022, qhov tsawg kawg nkaus coefficient uas tus nqi ntawm cov nyiaj tuav pov hwm yog xam (uas yog, OSAGO cov nqi) txo los ntawm 0,5 mus rau 0,46. Ntawd yog, tam sim no qhov txo qis tshaj plaws rau txoj cai yog 54%. Nws yuav muab rau cov neeg uas tau zam kev sib tsoo rau kaum lossis ntau dua xyoo. Tsis muaj hmoo rau cov uas yog tus ua txhaum ntawm lub tsheb sib tsoo. Rau lawv, qhov siab tshaj plaws coefficient tau nce: mus rau 3,92 (yog 2,45). Cov coefficients tshiab siv tau txog thaum Lub Peb Hlis 31, 2023.
- Hloov kho cov lus qhia pib qhov chaw. Lawv suav tus nqi them. Cov nqi tau nce siab nyob rau hauv xyoo tas los no, yog li cov ntaub ntawv coj mus rau hauv tus account.
Yam dab tsi cuam tshuam tus nqi ntawm OSAGO
Muaj ob peb ntawm lawv. Lawv paub meej thiab nkag siab. Muaj tag nrho cov lus ntawm coefficients³. Piv txwv li, los ntawm cheeb tsam ntawm kev sau npe, lub zog tsheb lossis hnub nyoog ntawm tus neeg tsav tsheb. Nyob rau tib lub sijhawm, ib feem ntawm tus kheej yam tseem ceeb rau kev txiav txim siab tus nqi pib tau muab rau cov tuam txhab pov hwm lawv tus kheej. Lawv raug txwv tsuas yog qhib kev ntxub ntxaug: piv txwv li, los ntawm haiv neeg lossis kev ntseeg.
- Nws tsis muaj txiaj ntsig los tham txog cov npe ntawm cov khoom siv uas yuav raug siv. Tab sis cov piv txwv uas peb tau pom los ntawm cov npoj yaig txawv teb chaws tuaj rau hauv siab. Qhov no yog lub sijhawm ua haujlwm ntawm lub tsheb thiab qhov zaus ntawm kev siv. Thaum siv telematics, koj tuaj yeem pom kev tsav tsheb ntawm tus tsav tsheb. Cov yam tsis ncaj ncees - qhov muaj tsev neeg ntawm tus tswv lub tsheb thiab lwm yam khoom ntawm cov khoom. Qhov no feem ntau qhia txog kev tsav tsheb ntau dua. Tus Lwm Thawj Coj ntawm Central Bank Vladimir Chistyukhin.
Puas yuav OSAGO cov cai nce nqi?
Central Bank ntseeg hais tias tam sim no tariffs yog sib npaug. Tam sim no lawv raug cuam tshuam tsis yog los ntawm txoj kev hauv tsev, tab sis kuj los ntawm cov tuam txhab pov hwm. Txawm li cas los xij, cov nqi tsis zoo li yuav nce. Kev ua lag luam muaj kev sib tw heev. Muaj kev sib ntaus rau cov neeg tsav tsheb zoo.
Txawm li cas los xij, txhawm rau kom tsis txhob muaj nqi ntau dhau, cov tuam txhab pov hwm tau teeb tsa lub qab nthab ntawm tus nqi ntawm txoj cai. Raws li cov cai no, tus nqi ntawm OSAGO tsis tuaj yeem tshaj tus nqi hauv qab, suav nrog hauv cheeb tsam, ntau dua peb zaug. Piv txwv li, yog tias koj nyob hauv Moscow (qhov chaw coefficient hauv cheeb tsam yog 1,8) thiab tus neeg tuav pov hwm tau suav cov nqi hauv qab rau koj ntawm 5000 rubles, ces tus nqi siab tshaj ntawm txoj cai rau koj yuav yog 4140 rubles (5000 x 1,8, 0,46 x 3,92). Thiab yog hais tias, ntawm qhov tsis tooj, koj yog ib tug nquag culprit nyob rau hauv ib qho kev huam yuaj nrog ib tug siab tshaj plaws KBM (5000), ces tus xam yuav yog 1,8 x 3,92 x 35 = XNUMX rubles.
Thov nco ntsoov tias cov neeg tuav pov hwm kuj suav nrog tus neeg tsav tsheb lub hnub nyoog thiab kev tsav tsheb, yog li hauv koj cov ntaub ntawv, cov kev suav yuav txawv.
Lwm yam txawv txawv yuav hloov li cas
Ua ntej, Central Bank tau hloov pauv rau lwm cov coefficients uas twb muaj lawm. Tshwj xeeb, los ntawm hnub nyoog thiab kev tsav tsheb. Kev hloov me me, raws li kev txheeb cais, yog rau txhua lub hnub nyoog. Nyob rau hauv tag nrho, nyob rau hauv lub tshiab system, cov neeg tsav tsheb tau muab faib ua 58 pawg nyob ntawm seb muaj hnub nyoog thiab kev tsav tsheb.
Nyob rau tib lub sijhawm, lub cheeb tsam coefficient tseem tsis tau kov. Nws tau npaj yuav tsum tau muab tshem tawm nyob rau theem tom ntej ntawm kev hloov kho hauv 2022. Raws li nws tau muab tawm, raws li kev txheeb cais mus ntev, yog tias qhov chaw nyob cuam tshuam rau qib ntawm kev pheej hmoo, yog tias nws ua, ces tsuas yog indirectly. Tus kheej zoo ntawm tus neeg tsav tsheb ua lub luag haujlwm ntau dua. Tab sis nws yuav nyuaj rau kev tso tseg tam sim no. Nws tseem tsis tau paub meej tias lub cheeb tsam peg yuav raug tshem tawm hauv 2022 vim tias muaj kev lag luam tsis ruaj khov.
"Peb yuav ua tib zoo thiab maj mam txav deb ntawm cov coefficients," nws piav qhia. Vladimir Chistyukhin.
Raws li nws, qhov no yog qhov tsim nyog kom tsis txhob muaj kev hloov pauv ntawm tus nqi. Tom qab tshem tawm cov coefficient hauv cheeb tsam, tus nqi ntawm txoj cai yuav, qhov nruab nrab, yuav txo qis rau cov neeg nyob hauv cov cheeb tsam uas qhov coefficient no siab. Thiab nws yuav, ntawm qhov tsis sib xws, nce rau cov neeg nyob hauv cov cheeb tsam uas nws qis. Nco qab tias tam sim no qhov siab tshaj plaws hauv cheeb tsam coefficient yog 1,88; qhov tsawg kawg nkaus yog 0,68.
Kev tshuaj xyuas tshiab hauv 2022
Yuav OSAGO, koj tsis tas yuav qhia daim npav kuaj mob ntxiv lawm. Tab sis qhov no tsuas yog siv rau kev thauj mus los ntiag tug - cov tib neeg. Qhov no yog vim qhov tseeb tias cov ntsiab lus tshuaj ntsuam xyuas tsis ua haujlwm zoo txhua qhov chaw hauv Peb Lub Tebchaws. Tsis tas li ntawd, kev sib tsoo vim yog qhov tsis zoo ntawm cov tsheb hauv tag nrho cov xwm txheej yog feem pua meager (0,1% raws li tub ceev xwm tsheb).
Tam sim no, txawm li cas los xij, cov tuam txhab pov hwm muaj cai muag cov cai uas kim dua rau cov tswv tsheb uas tsis tau kuaj xyuas. Nyob rau tib lub sijhawm, kev yooj yim hauv txoj cai lij choj tsis raug zam los ntawm kev lav phib xaub los ntawm cov txheej txheem lawm. Txij lub Peb Hlis 1, 2022, kev nplua rau kev tsav tsheb uas tsis tau kuaj xyuas yuav yog 2000 rubles (ua ntej ntawd, qhov siab tshaj plaws ntawm 800 rubles). Tsis tas li ntawd, cov koob yees duab yuav muaj peev xwm sau nws tawm.
Nrov lus nug thiab lus teb
Cov ntaub ntawv dab tsi xav tau los thov rau txoj cai hauv 2022?
• daim ntawv thov (sau rau daim ntawv pov hwm);
• daim ntawv hla tebchaws;
• cov ntaub ntawv rau lub tsheb;
• daim ntawv tsav tsheb;
• daim ntawv cog lus muag (rau cov uas nyuam qhuav yuav tsheb).
Yuav ua li cas xam tus nqi ntawm OSAGO txoj cai?
Tus nqi nruab nrab rau cov neeg caij tsheb ntawm cov tib neeg thiab cov neeg ua lag luam: 2224-5980 rubles.
Thaj chaw coefficient: ntawm 0,68 txog 1,88.
Bonus-malus coefficient: los ntawm 0,46 txog 3,92 (kev tsav tsheb tsis muaj kev sib tsoo ntau dua, qhov luv nqi ntau dua, thiab thaum tau txais daim ntawv tso cai nws yog sib npaug rau 1).
Hnub nyoog thiab laus coefficient: los ntawm 0,83 txog 2,27 (tag nrho cov npe nyob rau hauv daim ntawv ntxiv rau tsab cai ntawm Central Bank).
Tus naj npawb ntawm cov neeg tsav tsheb: 1 lossis 2,32 (yog tias muaj daim ntawv teev npe tseeb ntawm cov neeg raug qhia lossis kev tuav pov hwm qhib).
Lub zog ntawm lub cav: 0,6 txog 1,6 (qhov ntau hp, siab dua, qhov siab tshaj plaws pib ntawm 151 hp)
Seasonality coefficient: los ntawm 0,5 mus rau 1 (peb lub hlis twg hauv ib xyoos lub tsheb siv, yog ntau tshaj 10, ces 1).
There is also a rare KP coefficient (0,2 – 1) – needed for cars that are registered abroad, but used in the Federation, as well as when they bought a car in one region and drove it for registration in another. In addition, insurance companies have the right to use their coefficients, for example, for family people or those who did not provide a diagnostic card for technical inspection.
Qhov chaw ntawm
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