Indlela yokuqinisekisa imoto nge-Internet OSAGO?

Indlela yokuqinisekisa imoto ngaphansi kwe-OSAGO nge-Intanethi?

Imoto isiphenduke indlela yokuphila kubantu abaningi. Ngenxa yalokho, ungazizwa uzimele ezinhlelweni zezithuthi zomphakathi. Ukuba nemoto nakho kuwumthwalo wemfanelo omkhulu. Ngenhlanhla, namuhla kungenzeka ukuthi uqinisekise isikweletu sakho ngosizo lwenqubomgomo ye-OSAGO. Uma uba yisigebengu sengozi yomgwaqo, inkampani yomshwalense izonxephezela umonakalo odalwe nguwe kwabanye abantu.

I-OSAGO inikeza izinzuzo ezilandelayo:

• Ama-ruble ayizinkulungwane ezingama-500 azonxeshezelwa ngokwelashwa kwezisulu ngesikhathi sengozi;
• Izinkulungwane ezingama-400 zizokhokhelwa ukulungisa izimoto ezilimele;
• uma umonakalo mncane, konke kungaxazululwa ngosizo lwe-Europrotocol ngenani elingekho ngaphezu kwama-ruble ayizinkulungwane ezingu-50.

Ngaphezu kwalokho, ngesicelo somshayeli, angakhokhelwa inani lomonakalo ngemali noma ekhadini, noma athunyelwe esiteshini sesevisi ukuze alungiswe. Kuyafaneleka futhi ukukhumbula ukuthi i-OSAGO iyimpoqo, sesivele sikhulume izikhathi ezingaphezu kwesisodwa ku-Vodi.su mayelana nezinkampani zomshuwalense ezihamba phambili eRussia, lapho ungathola khona inqubomgomo yomshuwalense.

Kulesi sihloko, ngingathanda ukuhlala ngokuningiliziwe mayelana nokuqanjwa okusha njengenqubomgomo ye-elektroniki ye-OSAGO. Okusho ukuthi, manje awudingi ngisho nokuphuma endlini, ngoba lonke ulwazi mayelana nolwazi lwakho lomshwalense luqukethwe ku-OSAGO AIS - I-Automated OSAGO Information System. Inqubomgomo ye-elekthronikhi inawo wonke amandla angokomthetho adingekayo futhi izinkampani eziningi namuhla zinikeza isevisi enjalo. Kukhona nenani elikhulu lezingosi zabalamuli ezingama-ejenti ezinkampani zomshwalense ezehlukene, kanti izindleko zomshwalense ziyafana nezenkampani yomshwalense enkulu. Okuwukuphela kwento ukuthi kuzodingeka ukhokhe imali eyengeziwe ukuze uthole izinkonzo ezengeziwe, njenge-courier.

Inqubo

Isevisi eku-inthanethi ye-OSAGO yethulwe kusukela ngo-2015, ekuqaleni yayitholakala kubantu ngabanye kuphela. Kusukela ngo-July 2016, 2017, izinhlangano ezingokomthetho nazo zithole ithuba lokuthola umshwalense ngale ndlela. Ekuqaleni kuka-XNUMX, ungathenga umshwalense ku-inthanethi ngenani elikhulu lezinkampani zomshwalense:

• I-Rosgosstrakh;
• RESO-Garantia;
• I-Tinkoff-Insurance;
• Hoska;
• I-Parity SK nabanye abaningi.

Ukuze uthole ukuthi ngabe umshwalense wakho unikeza inketho enjalo, vele uye kuwebhusayithi esemthethweni, thola isigaba esithi "Umshwalense wemoto: OSAGO, CASCO" futhi ubone ukuthi kungenzeka yini ukuthenga inqubomgomo ku-inthanethi.

Siphakamisa ukuthi uzijwayeze ne-algorithm yokuthenga i-OSAGO kuwebhusayithi ye-Rosgosstrakh.

Ekhoneni eliphezulu kwesokunxele sibona ingxenye ethi "Umshwalense", sikhetha insizakalo esiyithandayo kuyo - i-OSAGO. Sifika ekhasini elibonisa zonke izinzuzo zomshwalense oyimpoqo. Okulandelayo, sibona isibali lapho ungakwazi ukubala izindleko.

Kuncike ezintweni ezilandelayo:

• indawo;
• amandla enjini;
• ulwazi lokushayela lomnikazi wemoto, noma ngabe bekunemicimbi enomshwalense esikhathini esidlule;
• inani labashayeli abavunyelwe ukushayela (isigaba esincane sabashayeli abavunyelwe).

Njengomphumela, isistimu izokukhombisa inani lezindleko zenqubomgomo. Khona-ke udinga ukuya esigabeni esithi "Thenga ku-Inthanethi", lapho udinga ukuhamba ngezinyathelo ezimbalwa ezilula: ngena kusayithi ngokufaka ikheli lakho le-imeyili nephasiwedi. Ungakwazi futhi ukufinyelela i-akhawunti yakho siqu ngokusebenzisa iwebhusayithi Yezinsizakalo Zombuso. Bese ufaka yonke idatha efana naleyo esesibalini.

Yebo, kufanele ube nawo wonke amadokhumenti kuwe:

• ipasipoti yomuntu siqu;
• I-COP (STS);
• PTS;
• ikhadi lokuxilonga elisebenza ngesikhathi sokubhaliswa komshwalense;
• I-VU yomnikazi kanye nabo bonke abantu abavunyelwe ukushayela kule moto.

Ngemva kwalokho, kuzodingeka ukhokhe izindleko kuphela ngohlelo lwamabhange ku-inthanethi, futhi ngokuphendula i-imeyili yakho uzothola inqubomgomo ngokwayo njengefayela, kanye nawo wonke amadokhumenti ahambisana naso. Kufanele nje uyiphrinte kuphrinta.

Sicela uqaphele ukuthi asikho isidingo sokuqinisekisa ikhophi yenqubomgomo ye-elekthronikhi enophawu, njengoba iqinisekiswa isiginesha yakho ye-elekthronikhi. Uma umiswa ngamaphoyisa omgwaqo, kwanele ukwethula le khophi, futhi bazovele bahlole ubuqiniso bayo ku-database yabo.

Ngesikhathi sokubala izindleko zepholisi, zonke izaphulelo zizobhekwa. Ngakho-ke, ngokwezindleko, unyaka ngamunye wokushayela imoto yakho ngaphandle kwesigameko, uzothola ukukhishwa kwamaphesenti angu-5 entengo yepholisi. Kuyaqapheleka ukuthi abafundi abaningi beVodi.su autoportal bayakhononda, ngoba izaphulelo azinakwa nhlobo lapho kubalwa intengo. Kulokhu, udinga ukubheka umnyango we-PCA wendawo futhi uthole isizathu.

Ukubhaliswa komshwalense kumawebhusayithi ezinye izinkampani zomshwalense

Empeleni, i-algorithm engenhla isebenza cishe kubo bonke abadayisi bomshwalense. Nokho, kungase kube nezinto ezingavamile:

• abanye base-UK ukuze bathole imvume bayacelwa ukuthi bafake ikheli lasekhaya lapho uhlala khona;
• isiginesha ye-elekthronikhi (futhi iphasiwedi yakho evela ku-akhawunti yakho yomuntu siqu) iqinisekiswa kuphela ehhovisi lenkampani;
• ukuze uqinisekise konke ukuthengiselana, uzothola i-SMS emfushane enezinombolo ocingweni lwakho;
• kwezinye izimo, kuyadingeka ukuthumela amadokhumenti askeniwe ku-Viber, izinombolo ze-WhatsApp noma ku-imeyili yenhlangano.

Kwezinye izimo, akunakwenzeka ukukhipha inqubomgomo ye-elekthronikhi. Okokuqala, uma ufaka isicelo se-OSAGO okokuqala, kuzodingeka uye kunoma yimaphi ama-IC, lapho lonke ulwazi lwakho luzofakwa kudathabheyisi ye-PCA.

Okwesibili, abanikazi bezimoto kuphela abanelungelo lokuthenga umshwalense nge-inthanethi. Noma udinga ukuba ne-passport yomnikazi wemoto esandleni. Okwesithathu, uma kutholakala ukungqubuzana nolwazi olungamanga, uhlelo luzokutshela ukuthi uhlole ukuthi wonke amafomu agcwaliswe ngendlela efanele yini. Uma inkinga iqhubeka, uzophinda futhi uye ehhovisi lase-UK.

Kukhona nezinsiza eziningi zabalamuli, labo ababizwa ngama-broker, abamele izintshisekelo zezinkampani ezinkulu zomshwalense futhi bazokunikeza ithuba lokukhipha i-OSAGO ngewebhusayithi yabo. Ochwepheshe abancomi ukuphendukela ezinsizeni zalezi zinsizakalo, njengoba bengewona amalungu e-PCA. Eqinisweni, amasayithi anjalo aqondiswa kabusha ezinsizeni ezisemthethweni zezinkampani zomshwalense, ngakho-ke awunayo nhlobo yokulahlekelwa, ngoba intengo iyafana yonke indawo.

Ngokwezibalo, kusukela ngesikhathi isevisi ibonakala ekuqaleni kuka-2015 kuze kube sekupheleni kuka-2016, ukuthandwa kwayo kuye kwanda kakhulu. Ngakho-ke, ekwindla ka-2015, abashayeli abangu-10 kuphela abakhiphe i-OSAGO ku-intanethi, futhi ekwindla ka-2016, le nombolo yanda yaba ngu-200. Kuyafaneleka ukusho ukuthi eNtshonalanga nase-USA, inani labantu lidweba imibhalo eminingi ngale ndlela. Ngiyajabula ukuthi ubuchwepheshe besimanje obusiza ukonga kakhulu isikhathi bufika kancane kancane eRussia.

Iyalayisha...