Ungathenga kanjani futhi yiziphi izinkampani zomshuwalense ezithengisayo?
Kusukela ngoJulayi 2015, 2015, isimemezelo saqala ukusebenza, ngokusho ukuthi abashayeli banelungelo lokukhipha i-OSAGO ye-elektroniki. Yini? Kuze kube yihlobo lika-XNUMX, abashayeli bezimoto babe nezindlela ezimbili zokuthola umshwalense oyimpoqo:
- ngqo ehhovisi lenkampani yomshwalense;
- gcwalisa isicelo nge-inthanethi, futhi uthole inqubomgomo eqediwe ehhovisi eliseduze lase-UK, noma umthumeli uzoyiletha ekhaya lakho.
Ungaphambanisi inketho yokugcina - ukufaka isicelo nge-inthanethi - nge-OSAGO ye-elekthronikhi, ngoba ungaziphrinta ngokwakho inqubomgomo ye-e-OSAGO noma uyigcine endaweni ye-elekthronikhi, ngokwesibonelo, ku-smartphone yakho. Uma uprinta ipholisi uwedwa, umehluko kuphela kumshwalense owamukelwe ehhovisi uzoba sesihloko - ifomu lizoba nombhalo othi: “Inqubomgomo Yomshwalense Kagesi”.
Kuyaphawuleka ukuthi leli yithuba elihle labakhohlisi bomshwalense womgunyathi, kodwa ngeke kube nzima kumhloli wamaphoyisa omgwaqo ukuhlola inombolo ye-serial ye-e-OSAGO ku-database yabo yezimoto ezifakwe umshwalense. Ukuze enze lokhu, uzodinga kuphela ukuthola ikhodi ye-VIN yemoto yakho. Imiyalo yokuhlola i-e-OSAGO iqukethwe encwadini esemthethweni yoPhiko Oluyinhloko Lokuphepha Kwezimoto lwangomhla 3.07.15. Ungakhohlwa futhi ukuthi kunezinhlawulo ezingathi sína zokukhwabanisa imibhalo kanye nokushayela ngaphandle komshwalense oyisibopho.
Ungasifaka kanjani isicelo senqubomgomo ye-elektroniki ye-OSAGO?
Inqubo ngokwayo akufanele ibangele ubunzima obukhethekile. Inqubo yokubhalisa izothatha kusukela emaminithini ambalwa kuye kwesigamu sehora:
- iya kuwebhusayithi yenkampani yomshwalense esekela le sevisi;
- ngena ngemvume ku-akhawunti yakho yomuntu siqu noma ubhalise uma ungazange uthathe umshwalense ngaphambilini kule nkampani yomshwalense;
- uzobona i-calculator eku-inthanethi yokubala izindleko, faka ulwazi oludingekayo kuyo: indawo ohlala kuyo, usayizi wenjini yemoto yakho, isipiliyoni sokushayela kanye neminyaka yobudala, idatha mayelana nabanye abashayeli abavunyelwe ukushayela imoto yakho;
- ngemva kokuvela kwezindleko ezilinganiselwe zenqubomgomo, gcwalisa zonke izinkambu: izinombolo zokubhalisa zemoto, uchungechunge kanye nenombolo yepasipoti, i-STS, i-PTS, inombolo yesondlo kanye nekhadi lokuxilonga;
- isistimu ihlola yonke le datha nge-database ye-RSA - lokhu kungathatha isigamu sehora, nakuba ngokuvamile kungathathi ngaphezu kwemizuzu embalwa;
- ngokusekelwe ku-coefficient yakho yebhonasi-malus, inani lokugcina lomshwalense we-OSAGO liyakhiwa;
- khokhela isevisi nganoma yiziphi izindlela ezitholakalayo - ngokuvamile uthola irisidi elingakhokhelwa ngesistimu yebhange ye-Inthanethi;
- cacisa ikheli le-imeyili lapho ifayela lombhalo eline-e-OSAGO lizothunyelwa khona;
- phrinta inqubomgomo bese uhamba nayo emotweni (yize lokhu kungeyona imfuneko, ingabuye igcinwe njengefayela kunoma iyiphi idivayisi yeselula).
Kungenzeka ukukhipha i-OSAGO isikhathi esiyizinyanga ezintathu kuya onyakeni owodwa, i-e-OSAGO inomehluko kuphela kunqubomgomo ekhishwe ehhovisi leNkampani Yomshuwalense - igama elithi "Inqubomgomo Yomshuwalense We-Electronic". Izoba nezimpawu ezidingekayo namasignesha, umshayeli udinga nokushiya i-autograph yakhe ekhophi. Uchungechunge nenombolo yomshwalense kufakwa ngokuzenzakalelayo kusizindalwazi esijwayelekile sezimoto ezifakwe umshwalense.
I-Automotive portal vodi.su iyaxwayisa: yilabo kuphela abashayeli abake bathatha umshwalense ngaphambili ngendlela evamile kanye nolwazi mayelana nesikhathi sabo somshuwalense, i-bonus-malus coefficient, izinombolo zokubhalisa sezivele zitholakala ku-database ye-PCA abangasebenzisa le sevisi.
Uma usanda kuthola ilayisense futhi ufaka isicelo se-OSAGO okokuqala, kuzodingeka uye ehhovisi eliseduze lenkampani yomshuwalense futhi ufake isicelo somshuwalense lapho. Nokho, usungakwazi kakade ukuyivuselela nge-inthanethi.
Izindleko ze-e-OSAGO zizofana nezomgomo ojwayelekile. Kungase kudingeke ukuthi ukhokhe ikhomishini ngezinkonzo zamabhange ukuze udlulisele izimali ku-akhawunti yokukhokha yenkampani yomshwalense.
Amadokhumenti okubhaliswa kwe-OSAGO ye-elekthronikhi
Ngaphambi kokuthi uqale uku-oda inguqulo ye-elekthronikhi yomshwalense oyimpoqo, qiniseka ukuthi unawo wonke amadokhumenti adingekayo kuwe:
- ipasipoti yomuntu siqu yomuntu okubhaliswe ngaye imoto;
- izincwadi zokushayela zabo bonke labo bantu abazofakwa kunqubomgomo ye-OSAGO futhi bayoba nelungelo lokushayela le moto ngokusemthethweni;
- imibhalo yokubhalisa izimoto - PTS, STS;
- isitifiketi sokuhlolwa kwezobuchwepheshe kanye nekhadi lokuxilonga elivumelekile.
Kuyacaca ukuthi ngeke udinge amadokhumenti ngokwawo, kodwa izinombolo zawo ze-serial kuphela, ngoba uzodinga ukuzifaka emikhakheni ebonisiwe. Sicela uqaphele ukuthi ngaphandle kwekhadi lokuxilonga ngeke ukwazi ukukhipha inqubomgomo ye-elekthronikhi.
Ngezinye izinkampani zomshwalense, uzodinga kuqala ukugcwalisa isicelo se-elekthronikhi, ngemva kokugunyazwa ongaqala ukufaka idatha kumafomu okubhalisa.
Lonke ulwazi olufakayo luyahlolwa ngokuqhathaniswa nesizindalwazi. Uma ungenzi amaphutha ngesikhathi sokugcwalisa, okulandelayo kuzothunyelwa ku-imeyili oyicacisile phakathi nemizuzu embalwa:
- inqubomgomo ye-OSAGO ngokwayo enguqulweni yefayela;
- imemo evela enkampanini yomshuwalense;
- inkontileka yomshwalense;
- imininingwane yokuxhumana yenkampani yomshwalense;
- izixhumanisi zamawebhusayithi kahulumeni lapho ungabheka khona ukufaneleka nokuba semthethweni kwalesi sivumelwano.
Njengoba ubona, lena indlela esheshayo nelula yokufaka isicelo somshwalense. Ngeke udinge ukuma emigqeni kokubili e-UK ngokwayo nasemadeskini emali yasebhange ukuze ukhokhele izinsiza. Ngokusho kwencwadi, eyathunyelwa yi-Central Bank yaseRussia kuzo zonke izinkampani zomshuwalense namabhange, inqubo yokukhipha i-e-OSAGO ayikwazi ukudlula imizuzu engu-30. Okusho ukuthi, i-UK inesibopho sokuqinisekisa ukusebenza kahle kwezingosi zabo.
Esimeni lapho inqubo ibambezeleka hhayi ngenxa yephutha lakho noma umhlinzeki wakho, kodwa ngenxa yokuthi isayithi lilenga, unelungelo lokufaka isikhalazo ku-PCA futhi umshwalense uzoba nesibopho sokungathobeli izinhlinzeko zomthetho " NgeNhlangano Yebhizinisi Lomshwalense". Futhi lokhu kubandakanya imiphumela emibi, kuze kufike ekumisweni kwelayisensi. Uma noma yimuphi umsebenzi wezobuchwepheshe wenziwa kusayithi, umshwalense unesibopho sokwazisa amakhasimende ngabo amahora angu-XNUMX kusengaphambili.
Yiziphi izinkampani zomshwalense ezisekela i-e-OSAGO?
Inani lama-IC anikeza le sevisi lilokhu likhula njalo. Uma ungazi ukuthi i-UK yakho ikunikeza le nketho, ungashayela ucingo lwamahhala futhi uthole ulwazi oluthandayo.
Ngokwezibalo, ekupheleni kuka-August 2015, abanikazi bezimoto abangaphezu kancane kwezinkulungwane eziyishumi babekhiphe i-e-OSAGO. Ekupheleni kukaSeptemba 10, le nombolo idlule izinkulungwane ze-2016, okuyisibonakaliso esicacile sokuthandwa kokuthenga i-OSAGO ku-intanethi.
Kusukela ngoJanuwari 2017, XNUMX, noma iyiphi inkampani yomshuwalense izodingeka ukuthi inikeze ithuba lokukhipha i-OSAGO nge-Intanethi.
Izinkampani zomshwalense ezinkulu nezidume kakhulu eRussia kudala zamisa ukusebenza kwezinsiza zazo ze-inthanethi ukuze zikhiphe i-OSAGO ku-inthanethi:
- I-Rosgosstrakh;
- Ingosstrakh;
- RESO-Garantia;
- EUROINS;
- I-Ergo-Rus;
- i-Uralsib;
- Ukuvuselelwa kabusha;
- I-VSK;
- Hoska;
- I-Tinkoff-Insurance;
- SC MOSCOVIA;
- I-Zetta Insurance, njll.
Kuyaziwa futhi ukuthi izinkampani zomshwalense ezingaphezu kuka-30 ziye zayala ukuthuthukiswa kokusebenza okudingekayo kanye nokutholwa kwezinqubomgomo ze-elekthronikhi. Ngakho, kusukela ngo-2017 olandelayo, kuzokwazi ukukhipha i-e-Policy kuwebhusayithi yanoma iyiphi inkampani yomshuwalense. Ngokusho kwe-portal ye-vodi.su, lokhu kuzoba omunye wemibandela yokuvuselela ilayisensi yokuhlinzekwa kwezinsizakalo zomshuwalense.
Iyalayisha...
