Midhudhudhu inishuwarenzi premium: bhonasi-chirango ratio
Zviri mukati
Inishuwarenzi yemavhiri maviri inodhura. Iyo lever inoshanda yekudzikisa saizi yeinishuwarenzi yake premium ndiyo bhonasi-malus ratio. Chokwadi, mutyairi wega wega anopihwa bhonasi kana faindi zvichienderana neruzivo rwake rwekutyaira. Yakakosha inishuwarenzi premium, iyo maverengero isingaitwe chero, asi maererano nemimwe mitemo inofanirwa kuzivikanwa kune wese munhu, mari yeinishuwarenzi maprimiyamu anoshanda kune ese marudzi emota mota (mota, midhudhudhu, nezvimwewo).
Unoziva sei kana iwe uine bhonasi kana chirango sebhasiki? Ini ndinowana sei 50% bhonasi pane mudhudhudhu inishuwarenzi? Chii chinonzi MAAF Hupenyu Hwose bhonasi? Nekuti nzwisisa zvese zvaunoda kuti uverenge mari yeinishuwarenzi yemidhudhudhu, chinyorwa ichi chinotsanangura zvimwe zvakakosha pfungwa senge inozivikanwa bhonasi malus ratio.
Ndeipi bhonasi yechirango ratio?
Iyo zvakare inonzi iyo yekuwedzera-kudzikisa chiyero. Bonus-malus - indekisi yekuverenga iyo inishuwarenzi premium... Iyo inokutendera iwe kuti uwedzere kana kudzikisa mudhudhudhu miripo kubva kune hunhu hwemutyairi. Iyo mudhudhudhu inishuwarenzi premium inoverengwa gore rega rega zvichienderana nekuwedzera kana kuderera kwechiratidzo ichi.
Nheyo yebhonasi-chirango chakakwana
Chinangwa chebhonasi malus ndechekuti tusa vatyairi nehunhu hwakanaka munzira. Nekudaro, izvi zvinokurudzira. Mune mazwi einishuwarenzi, izvi ndezvekuita kuti vanonyanya kufambisa mudhudhudhu vabhadhare zvishoma kune inishuwarenzi.
Nekudaro, mukushaikwa kwetsaona nemufambiro wakanaka, vane inishuwarenzi akapihwa mubairo nekuderedzwa kwemudhudhudhu inishuwarenzi, iri bhonasi.
Zvakare, kana paitika tsaona uye zvirevo izvo mutyairi ane basa rakazara kana zvishoma, iye inobvumidzwa nekuwedzera kweinishuwarenzi premium : izvi zvakanaka.
Midhudhudhu inishuwarenzi premium kuverenga nzira
Le iyo yekuverenga yeiyo premium yemudhudhudhu inishuwarenzi inoitwa zvinoenderana nemamwe maitiro... Kunyanya, zera kana chinzvimbo chebasa chemutyairi, nhoroondo yekutyaira, uchifunga mabhonasi emutyairi kana zvirango, uye mashandisiro emudhudhudhu.
kubva zvisina kunangana zvinhu zvinotarisirwawo kana uchiverenga huwandu senzvimbo yekutarisa njodzi yetsaona kana kuba pane saiti. Izvi zvinhu hazvina hukama zvakananga nechinzvimbo chemutasvi saizvozvo.
Bhonasi chirango chinoshanda kuwedzera bhonasi yepasi nebhonasi-yechirango coefficient... Mhedzisiro yakawanikwa inobvumidza kuongorora zvekare saizi yemudhudhudhu mubairo munzira yekudzikira kana kuwedzera.
Pamusoro pekushandurwa kwemutengo weinishuwarenzi yemudhudhudhu, shanduko yemutengo kubva pagore kusvika kuneinotevera inogona kutsanangurwa nekuchinja kwemamiriro (semuenzaniso, kutenga mudhudhudhu mutsva) kana neshanduro yeiyo fomula yevimbiso (shanduko kubva kuinishuwarenzi yakazara kune wechitatu inishuwarenzi), kana kuvandudzwa kwegore rega kwebhonasi yako yechirango coefficient.
Bonus Malus kubatana pakati pemotokari uye mudhudhudhu
Iyo bhonasi malus inoshanda kune ese midhudhudhu uye mota. Paunoshandura kubva kumudhudhudhu kuenda kumotokari, bhasikoro reMonus-Malus rinogona kuendeswa kumotokari uye zvinopesana.
Uyezve, paunenge uchivhura kondirakiti nyowani yemishuwarenzi, inishuwarenzi inokukumbira kuti umupe kopi yemishumo yako yese yeinishuwarenzi, zvese mota nemudhudhudhu. Pakadaro, kondirakiti nyowani inozoenderana neyakanakisa bhonasi yechirango bhonasi rate.
Chirevo cheruzivo chinodawo kuvhura kondirakiti nyowani, sezvo ichi bvumidza vanishuwarenzi kuziva bhonasi yako malus pamwe neyako yapfuura semutyairi wemavhiri maviri.
Unoziva sei kana iwe uine bhonasi kana chirango sebhasiki?
Kuti uwane kana iwe uine bhonasi kana chirango, unogona kuzviverengera iwe pachako kana uchiziva nzira dzekuverenga. Idzi nzira dzekuverenga dzakatotsanangurwa zvakadzama pamusoro. Kunyangwe kana ivo vachida zvakati wandei mazano ehunyanzvi, iwo haana kunetseka kushandisa. Zvisinei, iwe unogona zvakare kubata inshuwarisi yako kuti ikunyorere tsamba.
Panyaya iyi, zvinofanirwa kucherechedzwa kuti vese inishuwarenzi vanodikanwa kuti ipa varidzi vemitemo tsamba yekutsva seyenguva yekupera kwechibvumirano chegore rega... Venishuwarenzi vanogona zvakare kuikumbira kana iko kudikanwa kukamuka. Chikumbiro chinogona kuitwa pachikumbiro kana nekunyora. Nemutemo, inishuwarenzi haidi anodarika mazuva gumi nemashanu kutumira gwaro.
Ini ndinowana sei 50% bhonasi pane mudhudhudhu inishuwarenzi?
Mutengo weinishuwarenzi yemudhudhudhu ndiyo chiyero chikuru pakusarudza inishuwarenzi yemudhudhudhu. Iyo 50% bhonasi ndiyo yakanyanya kuderedzwa iyo munhu ane inishuwarenzi anogona kugamuchira pamubhadharo wavo weinishuwarenzi zvinoenderana nekodhi yeinishuwarenzi. Kuti uwane iyi yakanyanya bhonasi, iwe unofanirwa kukwanisa kuratidza maitiro kune imwe nguva yenguva.
Nheyo yekuwedzera mabhonasi gore rega rega
Zvinoenderana neInishuwarenzi Code, mudhudhudhu inishuwarenzi premium inowedzera gore rega rega neinenge 5% mukushayikwa kwezvikumbiro. Saka kuwana ma50% emabhonasi madhimoni nekutyaira kwakanaka pasina chako chakasarudzika kana kuzere mutoro wenjodzi. Kwemakore mangani ekutyaira zvine mutsindo bhonasi kuinishuwarenzi premium inosvika 50%?
Hwakanaka hunhu hunopfuura makore gumi nematatu (13) emakore
Iko kuwedzera kwebhonasi coefficient iri 5% pagore. Saka tora Iyo 50% bhonasi inoda makore gumi nematatu ekutyaira uye kurasikirwa kurasikirwa.... Nekudaro, hapana waranti yeupenyu pakusvika bhonasi iyi. Yako bhonasi malus ichaenderera ichichinja zvichienderana nemaitiro ako gore rese.
Kukanganisa kwetsaona yemudhudhudhu pane bhasikoro bhasikoro bhonasi
Njodzi ipi neipi iyo iyo inishuwarenzi iri chikamu kana zvizere zvine mutoro zvinotungamira mukuwedzera kwehuwandu hweinishuwarenzi yake yekutanga, ndiko kuti, kudzikira kwemudhudhudhu weinishuwarenzi. Mumamiriro ezvinhu akadaro, zviitiko zvinoverengeka zvinogona kusimuka.
Kazhinji mutoro wekuda
Kana paine chikwereti chakakamurwa chikumbiro, chako iyo premium ichawedzera ne12.5%... Mune mamwe mazwi, iwe unogovana malus coefficient nemutyairi wechipiri, uyo mutoro unouya mushure mechisarudzo cheinishuwarenzi chaitwa.
Yakazara Inotarisirwa Mhosva
Kana paine chikumbiro chauri iwe wega chekuita, mari yako yepamberi ichawedzerwa ne25%, i.e. chirango che1,25. Nekudaro, semunhu wega ane chekuita nechiitiko ichi, chirango chikuru chinoiswa.
Zvinodikanwa zvevamiriri vemitemo vakasvikira iyo yepamusoro bhonasi
Sezvatakataura pamusoro, iyo yepamusoro bhonasi yemutemo iri 50%. Kune vanhu vasvikira bhonasi iyi kweanopfuura makore matatu, tsaona yekutanga inokonzeresa haigumisi kurasikirwa nebhonasi... Vanotanga kuirasa kubva mutsaona yechipiri.
Hupenyu HWEMAFA Bhonasi
Zviripachena, kunyangwe bhonasi iri 50%, haisi yehupenyu. Inoramba ichichinja zvichienderana nekutyaira kwako. Kuita kuti zvive nyore kune iyo inishuwarenzi, vamwe veinishuwarenzi, senge MAAF, vanopa mabhonasi ehupenyu kune vatengi vavo.... Aya ndiwo mabhonasi ekutengeserana ayo asina hukama chaihwo neiyo bhonasi-chirango ratio. Nekudaro, uyu mubairo wekuwedzera kune vanofamba nemidhudhudhu vanoisa inishuwarenzi kune avo mavhiri maviri mota, semuenzaniso nekutora MAAF mudhudhudhu inishuwarenzi.
Chii chinonzi Hupenyu Hwose bhonasi?
Le bhonasi yehupenyu hwese kuderedzwa kwekutengesa pamari yeinishuwarenzi inopihwa neinishuwarenzi uye yakashandiswa mukati menguva yese yesungano pasi pemamwe mamiriro.
MAAF Hupenyu Hwose Bhonasi Mamiriro
Kutora mukana weMAAF Hupenyu Hwose, bhonasi-chirango coefficient - 0.50 yakakanganiswa kune chete mudhudhudhu uye wega wekutanga mutyairi akafukidzwa nechibvumirano ichi kwemakore matatu apfuura.
Ipapo mutyairi haafanire kunge aine haina mhosva yetsaona ipi mukati memwedzi makumi maviri nemana yapfuura usati wapedza chibvumirano cheinishuwarenzi. Chekupedzisira, mutyairi anofanira kunge aine rezinesi rekutyaira kweanosvika makore gumi nematanhatu.
Iyo bhonasi-malus, yakatarwa zvinoenderana nemufambiro wemutyairi kana mutasvi, inozotarisirwa kana uchiverenga mari yeinishuwarenzi. Naizvozvo, zvakakosha kuti udzidze kutyaira zvakanaka kuitira kuti uwane dhisikaundi pane yeinishuwarenzi.
