Izizathu zokuba ngabaqeshi mababe ne-Inthanethi yeNkampani ye-Renter
Izizathu ezi-5 abaqeshi abathengi i-inshurensi yerenti
Kukho izizathu ezinhlanu ezibalulekileyo ukuba umqeshi angathengi i-inshurensi yerenti.
- Ayazi ukuba ikhona - Abaqeshi abaninzi abathengi i-inshurensi yerenti kuba bengazi ukuba kukho. Basenokuba ne-inshorensi yempilo kunye ne-inshurensi yemoto, kodwa bacinga ukuba i-inshorensi enxulumene nekhaya kuphela kubaphathi bezindlu, kungekhona abaqashi.
- Akuyiyona nto ephambili - Abanye abaqeshi bangayazi ukuba i-inshurensi yerenti ikhona, kodwa bayayicima ukuyithenga. Bajolise kwizinto abazicingayo ezibaluleke kakhulu, ezifana ne-inshorensi yempilo, kwaye babeke i-inshurensi yomnini-ntengo ngokuthenga uluhlu lwabo. Kubaluleke kakhulu ukuba bangayibhalisa kalula indawo yokuqeshisa kwaye, ngaphambi kokuba bayayazi, ukuqeshiswa kudlulile kwaye abazange bafikelele ukuthenga loo inshurensi yeyona ndawo ephantsi.
- Bacinga ukuba bahlanganiswa nomgaqo-nkqubo womnini-ndawo - Abanye abaqeshi bahluleka ukuthenga i-inshurensi yerenti kuba bakholelwa ukuba bahlanganiswe phantsi kwe-inshurensi yomgaqo-bhorensi. Oku akunjalo. Ukuba umqeshi akanalo inshorensi kwaye kukho umlilo kwipropati, umzekelo, i-inshurensi yesakhiwo ayiyi kubambisa impahla yomqeshi.
- Bacinga ukuba kubiza kakhulu - Abanye abaqeshisi abayithenge i-inshorensi ngenxa yeendleko. Bakholelwa ukuba kubiza kwaye kunokuba kungabikho mngcipheko wokuhlala kwipropati ngaphandle kwayo.
- Bacinga ukuba yinkcitho yemali - Esinye isizathu sokungabikho kwintengiso ye-inshurensi yomqeshi, umqeshi ucinga nje ukuba yinkcitho yemali. Ba landela "iingxaki" zengqondo ye-renter. Bacinga ukuba kukho ithuba elincinane lokuba kubekho umlilo, ukweba okanye esinye isiganeko kwindawo yabo. Bakhetha ukuba bathathele ingozi ethile into eyenzekayo ngaphandle kokuba baqiniseke ngokufanelekileyo kunokuba bakhokhe imali ukuze bahlanganiswe.
5 Iinzuzo zokuthenga i-Intshurensi yomqeshi
Abaqeshi kufuneka bathenge i-inshurensi yeenitor ukwenzela ukukhusela impahla yabo kunye nokuyikhusela xa kuphakama imiba yemfanelo. Kubalulekile ukuba uqaphele ukuba umgaqo-nkqubo we-inshurensi yomnini-ntanethi uhlukile. Umqashi kufuneka afunde umgaqo-nkqubo wawo ngokugqibeleleyo ukuze amise inani lemali kunye nokuba yiziphi izenzo kunye neziganeko ezifakwe phantsi komgaqo othile.
- Ukungahambi kakuhle - Abahlali abaninzi banqikaza ngokuthenga i-inshurensi yeenrenti ngenxa yeendleko. Iyakwazi ukuhlawuleka kakhulu. Inqubomgomo ye-inshorensi yamaninzi kakhulu isebenza phakathi kwama-$ 100 kunye nama-$ 200 ngonyaka. Iindleko ziyahlukahluka kuxhomekeke kwiimeko ezinjengexabiso lokubhengezwa kunye nommandla wepropati.
- Ubungakanani bemfanelo - Ukuba nomgaqo-nkqubo we-inshorensi efanelekileyo unokunceda ukukhusela umqeshi ukuba kwenzeka ingozi kwiyunithi yabo. Ngokomzekelo, ukuba isivakashi siza siphendule size siwele kwipropati, iinkqubo ezininzi ze-inshorensi zentengo zinikezela ukhuselo oluxanduva oluza kubhalela umqeshi kwesi siganeko. Isixa sokukhusela siya kuxhomekeka kwimimiselo yomgaqo ngamnye.
- Umlilo okanye Umoya Womoya - Umgaqo-nkqubo we-inshurensi yomnini-mboleko unokunikezela ngokukhusela umqeshi ukuba iimpahla zakhe zilahlekile okanye zonakaliswe ngumlilo okanye umonakalo omoya, njengomthi owela kwipropati. Ngokuxhomekeke kwipolisi umqashi okhethayo, banokufumana ixabiso langempela lemali kwizinto zabo okanye ixabiso lokubuyisela. Imigaqo-nkqubo yokubiza iindleko zihlala zibiza kakhulu.
- Ubuqhopho boPhuhliso - Ngokukhetha umgaqo-mboleko umqeshi angafumaneka kwakhona ukuba kukho ubusela okanye utywala kwipropati yawo. Kwakhona, isixa kunye noluhlobo lwabhengezo luya kuxhomekeka kumgaqo wabo ngamnye.
- Uluhlu olongezelelweyo lwesiKhuseleko kuwe- Xa umqeshi enerensi yomshuwalense, yinto engaphezulu yokukhusela kwakho, umninikhaya. Ukuba kukho ingozi kwiyunithi yabo okanye ukunganakwa kwabo kubangele umonakalo kwipropati, umgaqo-nkqubo we-inshurensi yomnini-mboleko uya kujoliswa kuqala. Oku kunokukunqanda ukuba ufake ifowuni kwinkampani yakho yinshuwalense.
Yintoni engagutywanga?
Ewe, umgaqo-nkqubo we-inshurensi yomnini-mboleko awufihli yonke into. Umqeshi uya kufuna ukuthenga i-inshurensi eyahlukileyo kwizinto ezibiza, njengendandatho yokubambisana kuba ixabiso elipheleleyo aliyi kuze lijongwe ngumgaqo-nkqubo we-inshurensi yomnini-renter.
Ukongezelela, i-inshorensi yeenrenti ayinakucala umonakalo kwizityalo. Ukuba umkhukula unenkxalabo, umgaqo-nkqubo womshuwalense ohlukeneyo kufuneka uthengwe.
Indlela yokuxelela abaqeshi malunga ne-inshurensi yomnini-renter
Kufuneka uquke isongezelelo se-inshurensi yerenti njengenxalenye yesivumelwano sakho sokuqeshisa. Qhagamshelana negqwetha ukuba lichane igama elichanekileyo, kodwa kufuneka ucacise ukuba umqeshi kunye neempahla zomqeshi azihlanganiswa phantsi kwe-inshorensi yakho. Kufuneka uphawule iingeniso zokufumana i-inshurensi yenkampani.
Amanye amazwe avumela ukuba ufune abaqeshi ukuba bathenge i-inshurensi yomnini-renter ngokukhawuleza ukuba le mfuneko ikhona kubo bonke abaqeshi. Hlola imithetho yomnini-mhlaba wendawo yokuhlala ukuze ufumane imigaqo kwindawo yakho. Ukuba urhulumente wakho akakuvumeli ukuba ufuna i-inshurensi yomnini-renter, unokuzama ukunika umnini-mali umncinci kwirente ukuba uthenge kwaye agcine umgaqo-nkqubo we-inshurensi yomnini-mali.