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Mayelana nalolu hlelo lokusebenza

Ukubhaliswa kwe-OSAGO kanye nezinqubomgomo zomshwalense eziphelele seziyatholakala ku-inthanethi. Sebenzisa umshini wokubala olungele ukubala izindleko zomshwalense phakathi kwezinkampani zomshwalense eziqinisekisiwe ezingama-20. Khetha okunikezwayo okungcono kakhulu futhi ufake isicelo senqubomgomo ye-MTPL phakathi nemizuzu emi-5, ngaphandle kwezinsizakalo ezengeziwe noma amakhomishini.

Ukuthenga i-MTPL kanye nezinqubomgomo zomshwalense eziphelele ngokusebenzisa isicelo sethu kusho:

- Isebenza kahle. Gcwalisa imininingwane edingekayo ukuze ubale futhi ukhiphe umshwalense wesikweletu semoto oyimpoqo ku-inthanethi ngesikhathi esincane. Sebenzisa umshini wokubala we-OSAGO ukuze ubale ngokushesha ngokufaka inombolo yemoto nedolobha lokubhalisa.

- Inenzuzo. Yonga kufikela ku-60% ku-MTPL ngokuqhathanisa amanani ezinkampani zomshwalense ezahlukene. Sicabangela isilinganiso sebhonasi-malus (BMR), sikusiza ukhethe okunikezwayo okunenzuzo kakhulu.

- Ukhululekile. Inqubomgomo ye-elektroniki ye-MTPL izothunyelwa ku-imeyili yakho futhi ihlala itholakala esicelweni. Awusadingi ukuphatha inqubomgomo yephepha nawe, vele uyethule kusukela kusikrini sefoni yakho uma kudingeka.

- Uthembekile. Siqinisekisa ubuqiniso nokutholakala kwenqubomgomo ye-MTPL kusizindalwazi se-RSA, sisebenza kuphela nezinkampani zomshwalense ezinelayisensi.

- Ngokwethembeka. Sihlinzeka ngezintengo ngaphandle kwezimali ezifihliwe nezinkokhelo ezengeziwe, futhi ukonga okumaphakathi kumshwalense wezimoto oyimpoqo kubalwa ngokusekelwe kumehluko phakathi kweminikelo ebiza kakhulu neshibhe ngekota yokuqala ka-2021.

- Kuphephile. Yengeza umshwalense wakho we-MTPL ukuze uvikele imoto yakho ekuntshontshweni nasekulimaleni okungakhaviwe yi-MTPL. I-Casco inikeza umshwalense ophelele, ngaphandle kwesibopho kwezinye izimoto.

Izindleko zenqubomgomo ye-MTPL zincike esilinganisweni esiyisisekelo nama-coefficient, okuhlanganisa i-bonus-malus coefficient (BMC). Sebenzisa isibali somshuwalense ku-OSAGO ku-inthanethi ukuze uhlole i-KBM futhi ufake isicelo sepholisi ngesaphulelo.

Sisebenzisana nezinkampani zomshwalense ezahlukahlukene, sinikeza abasebenzisi ithuba lokukhetha ukunikezwa okungcono kakhulu. Ezibuyekezweni ezizayo zohlelo lokusebenza, kuhlelwe ukwengeza ukuqinisekiswa kwenqubomgomo, ukubala okuhlakaniphile kwe-CASCO nokusekelwa ku-inthanethi lapho ufaka ingozi.