OSAGO tarihin farashi a 2022

Babban makasudin sake fasalin OSAGO shine don sanya farashin manufofin ya zama daidai. Yanzu kowa yana biya ƙari/rasa iri ɗaya. Abubuwa biyar ne kawai ke shafar farashin: yankin rajista, ikon injin, shekarun direba, kwarewar tuƙi, da kuma sau nawa ya shiga haɗari.

Wannan jerin abubuwan ba su canza ba tun 2003. Kuma a wannan lokacin abubuwa da yawa sun canza. Mafi mahimmanci, masu insurers sun tara ƙididdiga kuma suna iya amfani da manyan tsarin bayanai. Wato, ɗaure farashin manufofin da haƙiƙanin haɗarin wani direban da zai iya shiga cikin haɗari. Don haka direbobin da ba su da hankali suna biyan manufofin, kuma direbobi masu hankali suna biyan kuɗi kaɗan.

Babban canje-canje a cikin jadawalin kuɗin fito na OSAGO

Ba daidai ba ne a ɗauka kuma nan da nan canza tsarin gaba ɗaya. Sa'an nan kuma farashin tsarin zai canza sosai. Don haka babban bankin yana yin komai sannu a hankali. Musamman, a hankali suna faɗaɗa layin farashin kuɗin fito. A cikin 'yan shekarun nan, ya haɓaka da 30% duka sama da ƙasa.

"Babban Bankin kasarmu yana shirin fadada hanyar tariff OSAGO ta yadda kamfanonin inshora za su iya sanyawa direbobi masu hankali da kuma karin kudin fito ga wadanda ke tuki masu hadari da keta dokokin zirga-zirga," in ji Babban Bankin a cikin wata sanarwa.

Yanzu mafi ƙarancin ƙimar OSAGO na daidaikun mutane shine 2224 rubles, kuma matsakaicin shine 5980 rubles. Don ƙungiyoyin doka da direbobin tasi masu lasisi, ƙimar su.

- Saboda yawan haɗarin haɗari, babban bambanci tsakanin matakin direbobi da rashin ƙima na jadawalin kuɗin fito, an samar da mafi girman fadada hanyar don taksi. Babban titin zai ba da damar ruble ya yi tasiri sosai ga direbobin tasi marasa tarbiyya da kuma rage jadawalin kuɗin fito ga direbobi masu hankali, in ji sabis ɗin manema labarai na Babban Bankin.

Ƙididdigar tushe da layin kuɗin fito na MTPL a cikin 2022 (RUB):*:

OSAGO jadawalin kuɗin fito corridor, la'akari da yanki coefficient a Moscow a 2022 (rubles):

Me ya canza a cikin tsarin OSAGO a cikin 2021

• Sun dage haramcin aikin yarjejeniyar OSAGO na lantarki a ranar ƙarshe (a baya ya zama dole a jira 72 hours). Koyaya, masu insurer suna da 'yancin yanke shawarar wane ƙayyadaddun lokaci don saitawa.
• Kuna iya ƙarewa ko yin gyare-gyare ga kwangilar inshorar mota (a cikin matakin gwaji).
• Siyar da manufofin ba ya dogara da ƙaddamar da binciken fasaha ba - yana aiki ne kawai ga mutane.

Me ya canza a cikin tsarin OSAGO a cikin 2022

• Tun daga ranar 1 ga Afrilu, sabbin ƙididdiga na bonus-malus sun bayyana - KBM. Ana buƙatar su don ƙarfafa direbobi don tuki ba tare da haɗari ba. Kuma akasin haka: ga masu halartar haɗari masu yawa (ta hanyar laifinsu), manufofin za su fi tsada. A cikin 2022, mafi ƙarancin ƙididdiga wanda aka ƙididdige adadin kuɗin inshora (wato, farashin OSAGO) ya ragu daga 0,5 zuwa 0,46. Wato, yanzu matsakaicin ragi na manufofin shine 54%. Za a ba da ita ga waɗanda suka guje wa haɗari har tsawon shekaru goma ko fiye. Babu sa'a ga wadanda suka kasance masu laifin hadurran ababen hawa. A gare su, an ƙara matsakaicin ƙididdiga: zuwa 3,92 (ya kasance 2,45). Sabbin ƙididdigar ƙididdiga suna aiki har zuwa Maris 31, 2023.
• An sabunta jagororin sassan mota. Suna lissafin adadin diyya. Farashin ya tashi a cikin 'yan shekarun nan, don haka takardun sunyi la'akari da wannan.

Wadanne abubuwa ne ke tasiri farashin OSAGO

Akwai kadan daga cikinsu. A bayyane suke kuma ana iya ganewa. Akwai duka allunan ƙididdiga³. Misali, ta yankin rajista, ikon abin hawa ko shekarun direba. A lokaci guda, an ba wani ɓangare na abubuwan sirri don ƙayyade ƙimar tushe ga kamfanonin inshora da kansu. An hana su nuna wariya kawai: misali, ta ƙasa ko addini.

- Ba shi da ma'ana don yin magana game da ainihin jerin abubuwan da za a yi amfani da su. Amma misalan da muka gani daga abokan aiki na kasashen waje suna tunawa. Wannan shine lokacin aiki na mota da yawan amfani. Lokacin amfani da telematics, zaku iya ganin salon tuƙi na direba. Abubuwan da ba a kai tsaye ba - kasancewar dangin mai motar da sauran abubuwa na dukiya. Wannan yawanci yana nuna salon tuki mai kamun kai. Mataimakin shugaban babban bankin kasar Vladimir Chistyukhin.

Shin manufofin OSAGO za su tashi a farashi?

Babban bankin ya yi imanin cewa kudaden da ake biya a halin yanzu sun daidaita. Yanzu ba kawai hanyar da aka keɓe ba, har ma da kamfanonin inshora ke shafar su. Koyaya, da wuya farashin ya tashi. Kasuwar tana da gasa sosai. Akwai fada don ƙwararrun direbobi.

Duk da haka, don guje wa hauhawar farashin kayayyaki, kamfanonin inshora sun kafa rufi akan farashin manufofin. Bisa ga waɗannan ka'idodin, farashin OSAGO ba zai iya wuce ƙimar tushe ba, la'akari da yankin, fiye da sau uku. Alal misali, idan kana zaune a Moscow (inda ma'auni na yanki shine 1,8) kuma mai insurer ya ƙididdige ƙimar tushe a gare ku a 5000 rubles, to, matsakaicin farashin manufofin a gare ku zai zama 4140 rubles (5000 x 1,8). 0,46 x 3,92). Kuma idan, akasin haka, kai mai laifi ne akai-akai a cikin haɗari tare da matsakaicin KBM (5000), to lissafin zai zama 1,8 x 3,92 x 35 = XNUMX rubles.

Lura cewa masu insurer kuma suna la'akari da shekarun direba da kuma kwarewar tuƙi, don haka a cikin yanayin ku, ƙididdiga na iya bambanta.

Abin da sauran rashin daidaito za su canza

Tun da farko, Babban Bankin ya yi canje-canje ga sauran ma'auni na yanzu. Musamman, ta hanyar shekaru da ƙwarewar tuƙi. Ƙananan gyare-gyare, bisa ƙididdiga, sun kasance na kowane zamani. A cikin duka, a cikin sabon tsarin, an raba masu ababen hawa zuwa nau'ikan 58 dangane da shekaru da kwarewar tuki.

A lokaci guda, har yanzu ba a taɓa ma'auni na yanki ba. An shirya soke shi a mataki na gaba na sake fasalin a cikin 2022. Kamar yadda ya fito, bisa ga kididdigar dogon lokaci, idan wurin zama yana rinjayar matakin haɗari, idan ya faru, to kawai a kaikaice. Halayen sirri na direba suna taka rawar gani sosai. Amma zai yi wuya a yi watsi da tsarin da ake da shi da sauri. Har yanzu dai ba a bayyana ko za a dage fintinkau a yankin a shekarar 2022 ba bisa la'akari da yanayin tattalin arzikin da ba a daidaita ba.

"Za mu a hankali kuma a hankali za mu ƙaurace wa waɗannan ƙididdiga," in ji shi. Vladimir Chistyukhin.

A cewarsa, hakan ya zama dole domin kaucewa tabarbarewar farashi. Bayan da aka soke haɗin gwiwar yanki, farashin manufofin zai, a matsakaita, raguwa ga mazauna waɗancan yankuna inda wannan haɗin ke da yawa. Kuma zai, akasin haka, ya karu ga mazauna waɗancan yankuna inda yake ƙasa. Ka tuna cewa yanzu matsakaicin adadin yanki shine 1,88; mafi ƙarancin shine 0,68.

Sabbin dokokin dubawa a cikin 2022

Don siyan OSAGO, ba kwa buƙatar nuna katin tantancewa. Amma wannan ya shafi sufuri masu zaman kansu kawai - daidaikun mutane. Wannan ya faru ne saboda gaskiyar cewa wuraren binciken fasaha ba sa aiki yadda ya kamata a ko'ina cikin ƙasarmu. Bugu da kari, hatsarurruka saboda rashin kyawun yanayin motoci a cikin jimlar yawan hatsarurrukan ba su da yawa (0,1% bisa ga ’yan sandan hanya).

Yanzu, duk da haka, kamfanonin inshora suna da hakkin sayar da manufofin da suka fi tsada ga masu motocin da ba su wuce dubawa ba. A lokaci guda, sauƙaƙewa a cikin doka ba ya keɓanta daga wajibcin shiga ta hanyar ta wata hanya. Daga Maris 1, 2022, tarar motar da ba ta wuce dubawa ba zai zama 2000 rubles (kafin haka, matsakaicin 800 rubles). Bugu da kari, kyamarori za su iya rubuta shi.

Shahararrun tambayoyi da amsoshi

Tushen

1. http://cbr.ru/press/event/?id=6894

2. https://www.garant.ru/products/ipo/prime/doc/403224566/

3. https://cbr.ru/Queries/UniDbQuery/File/90134/2495