Kuongorora bhonasi-malus ratio

Kubva panguva yekare, kontrakiti yeinishuwarenzi yakasiyaniswa nealeatory (ngozi) hunhu, ndiko kuti, zvichienderana nemamiriro ezvinhu echokwadi, inshurensi inogona kuita purofiti yakakura uye irambe iri "mutsvuku". Mubhizinesi reinishuwarenzi, chero kambani yehunyanzvi inoedza kuverenga mikana yese yepurofiti uye njodzi dzinogona kuitika kuitira kudzivirira kuparara kwehupfumi. Kuti uite izvi, imwe yeakakosha coefficients mumunda we auto inishuwarenzi ndeye CBM (bonus-malus coefficient).

Pfungwa uye kukosha kwe KBM

Yakashandurwa kubva muchiLatin, bonus zvinoreva "zvakanaka" uye malus zvinoreva "zvakaipa." Izvi zvinojekesa musimboti wekuverenga chiratidzo cheinishuwarenzi: zvese zvakaipa zvakaitika kumutyairi (zviitiko zveinishuwarenzi) uye zvese zvakanaka (kutyaira pasina tsaona) zvinotariswa.

Kazhinji, kune nzira dzinoverengeka dzekunzwisisa bhonasi-malus coefficient, iyo inosiyana chete muhunyengeri hwekududzirwa kweshoko, asi ine chinhu chakafanana. CBM inoti:

• hurongwa hwekuderedzwa kwemutyairi wekutyaira pasina tsaona;
• nzira yekuverenga mutengo weinishuwarenzi, uchifunga nezve chiitiko chekare chekuitika kwezviitiko zveinishuwarenzi nemutyairi;
• hurongwa hwekuyera uye mibairo yevatyairi vasinganyore kubhadhara inishuwarenzi uye vasina zviitiko zveinishuwarenzi nekuda kwekukanganisa kwavo.

Izvo zvishoma zvikumbiro zvekubhadharwa kweinishuwarenzi mutyairi ane, zvishoma iye achabhadhara purogiramu yeOSAGO

Hazvina mhosva kuti tinotarisa sei pfungwa iyi, kukosha kwayo kudzikisa mutengo weOSAGO inishuwarenzi yevatyairi vane hunyanzvi avo kwenguva yakareba vanokwanisa kudzivirira kutanga kwezviitiko zveinishuwarenzi nemotokari yavo uye, semhedzisiro, zvikumbiro zve. muripo weinishuwarenzi. Vatyairi vakadaro vanounza purofiti yakakura kune auto inshuwarisi, uye saka vekupedzisira vakagadzirira kuratidza kuvimbika kwakanyanya pakusarudza mutengo weinishuwarenzi. Mukutyaira kwechimbichimbi, maitiro akapesana anoshanda.

Nzira dzekuverenga uye kutarisa KBM yeOSAGO

Zvichienderana nemamiriro ezvinhu, zviri nyore kuti vamwe vanhu vaverenge vakazvimirira BMF yavo, nepo kune vamwe zviri nyore kutendeukira kune epamutemo dhatabhesi uye kuwana ruzivo mune yakapedzwa fomu. Zvisinei, mumamiriro ezvinhu anokakavadzana, apo KBM inoverengwa neinishuwarenzi inosiyana kubva kune inotarisirwa nemuridzi wemotokari nenzira isina kunaka, inobatsira zvikuru kukwanisa kuzvimiririra kuverenga coefficient yako.

Kugona kwako kuverenga BMF uri wega kunogona kukubatsira kugadzirisa kusawirirana

Kuverengera kweKBM zvinoenderana netafura yezvakakosha

Kuti uverenge bhonasi-malus coefficient yeOSAGO, tinoda ruzivo rwunotevera:

• ruzivo rwekutyaira;
• nhoroondo yekukumbira mari yeinishuwarenzi mumakore achangopfuura.

Maverengero ekutarisa CBM anoitwa pahwaro hwetafura inogamuchirwa mumakambani ese einishuwarenzi muRussia.

Pfungwa nyowani patafura ndeye "kirasi muridzi wemota". Pakazara, makirasi gumi nemashanu anogona kusiyaniswa kubva kuM kusvika ku15. Kirasi yekutanga, iyo inopiwa kuvaridzi vemotokari vakanga vasina ruzivo rwekare mukutyaira motokari, ndeyechitatu. Ndiye anoenderana nekwaakarerekera KBM yakaenzana neimwe, kureva, 100% yemutengo. Uyezve, zvichienderana nekuderera kana kuwedzera kwemuridzi wemotokari mukirasi, KBM yake ichachinjawo. Kwegore rimwe nerimwe rinotevera rekutyaira pasina tsaona, mutyairi bhonasi-malus ratio inoderera ne0,05, ndiko kuti, mutengo wekupedzisira weinishuwarenzi ichave 5% zvishoma. Iwe unogona kuona maitiro aya iwe pachako nekutarisa pachikamu chechipiri chetafura kubva kumusoro kusvika pasi.

Ukoshi hudiki hweKBM hunoenderana nekirasi M. M inomirira malus, inozivikanwa kwatiri nezita rekoefficient iri kukurukurwa. Malus ndiyo yakaderera poindi yeiyi coefficient uye ndeye 2,45, ndiko kuti, inoita iyo policy inenge 2,5 nguva inodhura.

Iwe unogona zvakare kuona kuti iyo BSC haigari ichichinja nehuwandu hwakafanana hwemapoinzi. Pfungwa huru ndeyokuti iyo yakareba mutyairi anotyaira motokari pasina kuitika kwezviitiko zveinishuwarenzi, iyo yakaderera iyo coefficient inova. Kana mugore rokutanga akaita tsaona, ipapo pane kurasikirwa kukuru muKBM - kubva 1 kusvika 1,4, kureva, kukwira kwemutengo ne40% yemutemo. Izvi zvinokonzerwa nekuti mutyairi wechidiki haana kuzviratidza nenzira ipi zvayo zvakanaka uye akatoita tsaona, uye izvi zvinoda mubvunzo pamusoro pehutano hwake hwekutyaira.

Ngatipei muenzaniso wekubatanidza kugona kushandisa tafura uye kuverenga nyore BMF kubva kune yega data yaunayo. Ngatiti wanga uchityaira mota yako wega pasina tsaona kwemakore matatu. Naizvozvo, iwe unowana kirasi yechitanhatu muridzi wemotokari ine bhonasi-malus coefficient ye6 uye 0,85% kuderedzwa pamutengo weyakajairwa inishuwarenzi mutemo. Ngatitorei zvakare kuti wakapinda mutsaona uye wakanyorera kune inshuwarisi yako kuti udzoserwe mari mukati megore iroro. Nekuda kwechiitiko chinosuruvarisa ichi, kirasi yako ichaderedzwa nepoindi imwe, uye iyo MPC ichawedzera kusvika ku15, iyo inowirirana negumi chete muzana yekuderedzwa. Saka, tsaona imwe chete ichakubhadhara iwe kuwedzera kwe0,9% mumutengo weinishuwarenzi yako mune ramangwana.

Kuti uone kirasi, ruzivo rwezvibvumirano zvakapera pasina kupfuura gore rapfuura zvinotariswa. Naizvozvo, kana kutyora muinishuwarenzi kwapfuura gore, bhonasi inodzoserwa kune zero.

Tafura: tsananguro yeKBM

Kirasi yemuridzi wemota	KBM	Kuchinja kirasi yemuridzi wemotokari nekuda kwekuitika kwezviitiko zveinishuwarenzi zvegore
		0 kubhadhara	1 payout	2 kubhadhara	3 kubhadhara	4 kana kupfuura kubhadhara
M	2,45	0	M	M	M	M
0	2,3	1	M	M	M	M
1	1,55	2	M	M	M	M
2	1,4	3	1	M	M	M
3	1	4	1	M	M	M
4	0,95	5	2	1	M	M
5	0,9	6	3	1	M	M
6	0,85	7	4	2	M	M
7	0,8	8	4	2	M	M
8	0,75	9	5	2	M	M
9	0,7	10	5	2	1	M
10	0,65	11	6	3	1	M
11	0,6	12	6	3	1	M
12	0,55	13	6	3	1	M
13	0,5	13	7	3	1	M

Vhidhiyo: nezve kutarisa KBM zvinoenderana netafura

Kirasi yevatyairi zvinoenderana neOSAGO. Bonus-Malus coefficient (BM) pane PCA webhusaiti. Zvinenge zvakaoma

Kutarisa iyo KBM pane yepamutemo webhusaiti yeRSA

Dzimwe nguva zvinobatsira kuti uzvitarise kuburikidza nemeso einishuwarenzi uye unzwisise kuti ndeupi rudzi rwekuderedzwa rwaunofanirwa kuwana. Iyo yakanyanya nyore nzira yekuwana ruzivo rwepamutemo yemahara ndiyo yepamutemo webhusaiti yePCA. Izvo zvinofanirwa kucherechedzwa kuti chaizvo mumwedzi ichangopfuura yave nekuchinja kukuru, ichiva yazvino uye yakanakira kushandisa.

Kazhinji, iwe unongoda kutora matanho mashoma aya kuti uwane ruzivo rwekufarira nezve bhonasi-malus coefficient:

1. Enda kune yepamutemo portal yeRSA. Iyo Tarisa KBM peji iri muchikamu cheMaverengero. Ikoko iwe unofanirwa kutarisa bhokisi rinoratidza kubvuma kugadziridzwa kwedata rako, uye zvakare tinya bhatani re "OK".
   

   Usakanganwa kubvumirana nekugadziriswa kwedata rako pachako, nekuti pasina izvi hazvibviri kutarisa KBM
2. Nekudzvanya bhatani rekuti "OK", iwe unoendeswa kune peji resaiti ine minda yekuzadza. Mitsetse inosungirwa yakanyorwa nenyeredzi tsvuku. Mushure mekupinda data, usakanganwa kupfuudza "Ini handisi robhoti" cheki nekumaka bhokisi rakakodzera.
   

   Izvo zvinofanirwa kuyeukwa kuti KBM data inowanikwa chete kune vatyairi vari vagari veRussian Federation
3. Pakupedzisira, tinya bhatani rekuti "Tsvaga" uye tarisa mhedzisiro inoratidzwa mune imwe hwindo.
   

   Kana maererano nedata rako paine kuratidzwa kwakashata kweKBM, iwe unofanirwa kubata insurer kuti ijekeswe

Iyo PCA dhatabhesi ndiyo yakavimbika yekunze sosi yeruzivo, sezvo ichiunganidza data kubva kumakambani ese einishuwarenzi. Kana iyo inshurensi coefficient yakasiyana kubva pane inoratidzwa pawebsite, anosungirwa kuitarisa uye kuiverenga zvakare.

Vhidhiyo: BCC kuverenga uchishandisa iyo yepamutemo portal yeRussia Union yeMotor Insurers

Tarisa KBM pane PCA dhatabhesi online

Nzira dzekudzorera KBM

Nokuda kwezvikonzero zvakawanda, coefficient yako, kana yakatariswa pawebsite yepamutemo yePCA, inogona kusaratidzwa zvakakwana kumamiriro ezvinhu chaiwo uye maverengero ako akaitwa maererano netafura. Sezvo mutemo, kukanganisa neKBM kunotungamirira kukuwedzera kukuru kwemutengo weinishuwarenzi inomanikidzirwa ye "motor citizen" uye, naizvozvo, ichawedzera mutoro wakatonyanya pane bhajeti yako pachako. Chikonzero chekukundikana mukuverenga kweiyo coefficient inogona kuva:

• human factor (kukanganisa kwemumiriri weinishuwarenzi paunenge uchirekodha data remunhu);
• shanduko yakarongwa yerezinesi rekutyaira (kana iyo inshurensi isina kuziviswa nezveizvi);
• kuitwa kwe "isina muganho" OSAGO mutemo;
• kuisirwa muinishuwarenzi yeanopfuura munhu mumwechete (kuongororwa kweMSC kuchaitwa pazasi). Somuenzaniso, kana muridzi wemotokari ane BMF ye0,9 uye 0,6 akabatanidzwa muinishuwarenzi, ipapo kuderedzwa kuchava 10%, kwete 40%;
• kuzivisa kambani yeinishuwarenzi yemotokari yawaishandisa kubhuroka.

Kukwidza nyaya nekuda kwekuratidzwa zvisirizvo kweKBM kana uchichinja kubva kune imwe inishuwarenzi kuenda kune imwe kwakajairika. Mukuita kwangu, ndakadzokorora kusangana nemamiriro evatengi vakarasikirwa ne0,55 CBM uye kunyange zvishoma, kureva, inoenderana nemakore mazhinji echiitiko chekutyaira pasina tsaona. Aya mamiriro, mumaonero angu, anogona zvakare kuve ane hukama ne "kutsva" kweiyo KBM dhatabhesi muRussia Union yeMotor Insurers. Naizvozvo, svinura uye uteedzere coefficient yako kunyanya kana uchifamba kubva kune imwe SC uchienda kune imwe.

Kudzoreredzwa kwebhonasi-malus coefficient pane PCA webhusaiti

Imwe yedzakareruka nzira dzekudzoreredza KBM ndeye online kukwidza kuRussia Union yeMotor Insurers pane yavo webhusaiti yepamutemo. Kuti uite izvi, iwe unongoda kuwana Internet uye nguva shoma yekuzadza uye kutumira chikumbiro.

Ita chichemo pamusoro pekambani yeinishuwarenzi pane fomu yakajairwa kana kukwidzwa kwemahara-fomu kana hunhu hwayo husina hukama nezviito zveinishuwarenzi. Iwe unogona kutumira gwaro ne e-mail [e-mail] kana kuburikidza ne "Feedback" fomu.

Chikumbiro kuRSA chinogona kutumirwa kuburikidza nekugamuchira kwemagetsi

Tsanangudzo inosungirwa yekutsanangura, pasina iyo application isingatariswe:

• F. I. O. zvizere;
• zuva rekuzvarwa;
• nhamba yerezinesi yekutyaira ine kopi yerezinesi rekutyaira (kana pasipoti - yezvibvumirano zvakapedzwa maererano nemitemo isingadzikise nhamba yevanhu vanobvumirwa kutyaira mota).

PCA haizogadzirise kune database pachayo. Chikumbiro chinozomanikidza inshuwarisi kuti averenge zvakare coefficient uye ape ruzivo rwakakwana.

Zvimiro zvekudzoreredza kweKBM mukushaikwa kwemitemo yekare yeCMTPL

Semutemo, iyo inonyanya kufarirwa bhonasi-malus coefficient ine vatyairi vane ruzivo rwakareba rwekutyaira pasina tsaona (makore gumi kana kupfuura). Mumamiriro ezvinhu akadaro, zvakaoma kuchengeta zvese zvinyorwa zvinodiwa kubva kumakambani einishuwarenzi. Izvi ndezvechokwadi kunyanya kune avo varidzi vemotokari avo vakashandura kakawanda inshurensi.

Sezvineiwo, maererano netsamba yemutemo, hapana chikonzero chekuunganidza uye kuchengeta mainishuwarenzi enguva yese yaunotyaira mota. Saka, maererano nendima 10 yechinyorwa 15 che Federal Law "On OSAGO" Nhamba 40-FZ ine basa rinotevera rinobatsira reinishuwarenzi:

Pakupera kwechibvumirano cheinishuwarenzi chinomanikidzwa, inshuwarisi ichapa iyo inshuwarisi ruzivo pamusoro pehuwandu uye chimiro chezviitiko zveinishuwarenzi zvakaitika, pamubhadharo weinishuwarenzi wakaitwa uye pamuripo weinishuwarenzi unouya, panguva yeinishuwarenzi, pa yakatariswa uye isina kugadzikana zvichemo zvevakabirwa muripo weinishuwarenzi uye rumwe ruzivo rweinishuwarenzi panguva yekushanda kwekondirakiti yeinishuwarenzi inosungirwa.inishuwarenzi (inozozivikanwa seruzivo rweinishuwarenzi). Ruzivo nezve inishuwarenzi inopihwa neveinishuwarenzi mahara mukunyora, uye zvakare inopinzwa muotomatiki ruzivo sisitimu yeinishuwarenzi inomanikidzwa yakagadzirwa zvinoenderana neChinyorwa 30 cheFederal Law.

Federal Law "Pane Inomanikidzirwa Inishuwarenzi yeCivil Liability yeVaridzi Vemotokari" yaApril 25.04.2002, 40 N XNUMX-FZ

Saka, pakugumisa kondirakiti, une kodzero yekukumbira kubva kune inshurensi kuti akupe ruzivo rwese, runosanganisira KBM, mahara. Zvino, kana paine kusawirirana nekuverenga, unogona kutarisa kune ese zvitupa zvakapihwa neapfuura maICs, pamwe nekuabatanidza kuchikumbiro chako kutsigira chokwadi chezvakataurwa. Zvichienderana nemaitiro angu, ese mainishuwarenzi anozadzisa basa iri nyore uye pasina kumanikidzwa kubva kumagweta.

Chekupedzisira, mukuwedzera kune yakasununguka yakanyorwa referensi, iyo inshurensi inofanirwa zvakare kukurumidza kuisa ruzivo nezve inishuwarenzi muOSAGO AIS dhatabhesi, kubva iyo kambani yako itsva yeinishuwarenzi inogona kuvagamuchira.

Dzimwe nzira dzekudzorera KBM

Kunyorera kuRSA kuri kure kubva kune yega, uye kutaura zvazviri, haisi iyo yakanyanya kunaka nzira yekudzoreredza kururamisira munhau dzekuona chokwadi chekuverenga kweKBM. Heano dzimwe nzira shoma shoma:

• chichemo kukambani yeinishuwarenzi;
• kunyunyuta kuCentral Bank;
• yakabhadharwa online zviwanikwa;
• vamiririri veinishuwarenzi.

Kubata nekambani yeinishuwarenzi

Nekuda kwekuchinja kwemutemo kwakaitika mumakore mashoma apfuura, kubata IC zvakananga, iyo yakashandisa iyo isiriyo coefficient kukosha, ndiyo inonyanya kufarirwa sarudzo. Icho chokwadi ndechekuti kubva mukupera kwa2016, pakutambira chikumbiro kubva kumunhu anoiswa inishuwarenzi, inshurensi inosungirwa kuzvimiririra kuti ione kana iyo coefficient yakashandiswa kana kuiswa inoenderana nekukosha kuri muAIS PCA. Mukuwedzera, vatsigiri veinishuwarenzi chete ndivo vane kodzero yekuendesa data pane zvibvumirano uye zviitiko zveinishuwarenzi kuti zviiswe muPCA database.

Mukuita kwangu, kuve nyore kwekubatana kwakananga neazvino kana yeramangwana inshurensi yakasimbiswa muzviitiko zvakawanda. Kutanga, mashoko okufunga nezvezvichemo zvakadaro anowanzova mashoma. Chechipiri, hapana kuedza kunodiwa kubva kwauri, kunze kwekunyora iyo application pachayo. Kunyangwe kushanya kwako pachako kunogona kutsiviwa nekuzadza mafomu epamhepo pamawebhusaiti emasangano. Chechitatu, kazhinji, iyo SC, ichiona kukanganisa kwaitwa, inogadzirisa ivo pachavo nekukurumidza, vachishandisa iyo KBM chaiyo. Saka, inodzivirira kudiwa kwekusangana nevakuru vevatariri kana PCA.

Inenge chero kambani yeinishuwarenzi iye zvino ine webhusaiti iyo iwe unogona kunyunyuta pamusoro pekuverenga kusina kururama kweKBM pasina kupambadza nguva pakushanya kwako pachako.

Ngatitorei semuenzaniso peji rakadaro pawebhusaiti yeanonyanya kufarirwa insurer muRussia - Rosgosstrakh. Heano matanho ekutumira chikumbiro:

1. Chokutanga pane zvose, unofanira kuenda kune webhusaiti yeRosgosstrakh Insurance Company uye uwane peji yekusiya zvikumbiro zvinonzi "Feedback".
   

   Usati waita chikumbiro chaicho kukambani, zvinodikanwa kutarisa mabhokisi "munhu / sangano repamutemo" uye sarudza musoro.
2. Tevere, pazasi peji, sarudza "Zadza fomu" uye zadza makoramu ese akanyorwa seanosungirwa.
   

   Kuzadza data rese nezve mutemo uye munyoreri pachake achabvumira iyo CSG kuti ione chokwadi chekuverenga kweKBM.

3. Pakupera, iwe unofanirwa kuisa kodhi kubva pamufananidzo uye kubvumirana nekugadziriswa kwedata, pamwe nekutumira chikumbiro nekudzvanya bhatani regirini pazasi peji.

   

   Pasina kupfuudza iyo yekuongorora nekuisa iyo kodhi kubva pamufananidzo uye kubvuma kugadziriswa kwedata rako pachako, hazvigoneke kutumira chikumbiro.

Kazhinji, mafomu ese emhinduro akafanana zvakanyanya uye anoda ruzivo rwunotevera:

• ruzivo rweinishuwarenzi;
• nhamba yevatyairi uye ruzivo rweumwe neumwe wavo (zita rizere, zuva rekuzvarwa, pasipoti uye rezinesi rekutyaira data);
• data yemotokari pachayo (VIN, nhamba yenyika).

Musiyano uripo chete mukureruka uye ruvara rweiyo interface yewebhusaiti yeinishuwarenzi.

Chichemo kuCentral Bank

Imwe yenzira dzinonyanya kushanda, kana kubata kambani yeinishuwarenzi isina kupa mhedzisiro yaidiwa, ndeye kuisa chichemo kuCentral Bank yeRussia (CBR). Kuti aite izvi, unofanira kuita zvinotevera:

1. Enda kuCentral Bank's "Tumira Chichemo" peji.
   

   Nekuenda kune iyo yakakodzera peji yeCentral Bank webhusaiti, iwe uchafanirwa kusarudza nyaya yekunyunyuta kubva pane zviri pasi apa
2. Muchikamu che "Insurance organizations", sarudza OSAGO, uye kubva pane zvakarongwa pasi apa - "kushandiswa kusina kunaka kweKBM (kuderedzwa kwekutyaira kusina njodzi) pakupedzisa kontrakiti."
   

   Mainishuwarenzi anotariswa neCentral Bank yeRussian Federation, saka kunyora zvichemo pamusoro pavo pakero iyi hachisi chinhu chisina basa.
3. Verenga ruzivo uye tinya "Kwete, enderera kukwidza chichemo". Mahwindo akati wandei achavhura pamberi pako, ayo anofanira kuzadzwa kunze.
   

   Kuti ukwanise kunyora chikumbiro, zvinofanirwa kucherechedzwa kuti ruzivo rwakapihwa haruna kukubatsira
4. Mushure mekudzvanya bhatani rekuti "rinotevera", zadza ruzivo rwako uye chichemo chichatumirwa.
   

   Zvakarurama (maererano nemagwaro epamutemo) kuzadza data repasipoti kunovimbisa kutariswa kwechikumbiro, sezvo Central Bank ine kodzero yekufuratira zvikumbiro zvisingazivikanwe.

Yakabhadharwa online masevhisi

Nhasi, kune zvakawanda zvinopihwa panetiweki kubva kune zvekutengesa online zvimiro izvo, nemari shoma, zvinopa masevhisi avo ekudzoreredza kweKBM pasina kubva pamba.

Kubva pane zvakaitika kwandiri, zvinosuruvarisa, handizivi nezvemienzaniso yakanaka yekushandisa masayiti akadaro. Sekuona kwangu, zvine njodzi kusiya data rako pachako uye kubhadhara kumahofisi asina chokwadi anoita mabasa emutemo. Muchiitiko ichi, zvakanyanya kunyatso kunyorera iwe pachako nerubatsiro rwezvinyorwa zvechinyorwa ichi kana gweta rine zvikumbiro zvepamutemo kuUK, Central Bank uye PCA, iyo inodzosera KBM yako mahara, yakakodzera makore ekutyaira pasina tsaona.

Kana iwe uchiri kusarudza kutendeukira kunzvimbo dzakadaro kuti ubatsirwe, zvino tungamirirwa nezano revatyairiwo zvavo vakagutsikana nehutano hwebasa uye kuvimbika kwemurevereri.

Vhidhiyo: zvimwe nezve maitiro ekudzorera reshiyo

Nzira yekudzoreredza sei isina kururama KBM OSAGO kirasi muPCA dhatabhesi? Kutarisa kupi? Nzira yekuwana sei bug?

MBM ishanduko yakakosha iyo, zvichienderana nemamiriro ezvinhu, inogona kuwedzera mutengo weOSAGO yako mutemo kana kuidzikisa nepakati. Zvinonyanya kubatsira kudzidza kushandisa tafura uye kuzvimiririra kuverenga coefficient yako, kuitira kuti kana paine zvikanganiso zveinishuwarenzi, nekufamba kwenguva kunyorera kururamiswa kwavo kukambani yeinishuwarenzi pachayo kana kune zviremera zvevatariri (Central Bank) uye masangano ehunyanzvi ( Russian Union yeMotor Insurers).