I-Market Competitive
Imarike ye-inshorensi yamashishini amancinci ikhuphisana kakhulu. Abaninzi batshutshisi bathengisa inshorensi eyenzelwe iinkampani ezincinci. Nangona kunjalo, imarike yomshuwalense ilula , ngoko-ke aba-inshurensi abakwazi ukukhuphisana kwixabiso.
Abaninzi bomshuwalense baye bazama ukuhlukanisa ngokubuyisela kwakhona iminikelo yabo yemveliso nokuphucula inkonzo yabathengi.
Ngokutsho kwe-JD Power, i-insurers baye bachitha ixesha elininzi kunye nokuzama ukudala iziteshi ezintsha zokuhambisa . Baye bazama ukwenza iinkqubo zabo zichaneke ngakumbi kwiinkampani. Uvavanyo lwe-JD Power olwanelisayo lunokukunceda abaqinisekisi bendlela yokufumana imali. Inokukunceda nabanini-mali ukuba baqine amandla abo kunye nobuthathaka xa kuthelekiswa nabathengisi babo.
Injongo yoPhando
Uphononongo lwenzelwe ukuvavanya ukwaneliseka kwabanikazi bamashishini amancinci kunye nabanini-bhorensi babo . I-JD Power ifuna ukwazi ukuba ziphi iinkonzo zamashishini ezifunayo, ezifunekayo kunye nezilindeleke kubagcini-bhoksi. Kwakhona kwakufuna ukuchonga imimiselo kwishishini elincinci yoshishino lomshuwalense.
Bonke abathathi-nxaxheba abaphando baba ngamashishini nabasebenzi abangamashumi amahlanu okanye abambalwa. Abanini-shishini baceliwe ukuba bahlawule abaqhorensi babo ngokusekelwe kwezi zinto zilandelayo ezintandathu:
- Ukwaneliseka ngokubanzi Ukwaneliseka ngokubanzi kuyo yonke imimiselo yeenkonzo ezibonelelwa ngumshuwalense
- Izipho zoMgaqo-nkqubo Ukwaneliswa kunye neentlobo zezigqeba zabo i-insurer kunye nokuba ingaba loo miqulu idibene neemfuno zabo
- Ixabiso Ukwaneliseka ngexabiso elihlawulwe kwii-coverage ezinikezelweyo (ixabiso)
- Ukwaneliswa kweeNtlawulo kunye nokuhlawula Inkokhelo kunye nenkqubo yokuhlawula kunye nentlawulo ye-inshurensi. Ngaba izitatimende zokuhlawula ezicacileyo, ezichanekileyo, kwaye ziveliswe ngexesha elifanelekileyo?
- Ukunxibelelana Ukwaneliseka koqhagamshelwano lwama-inshurensi, nokuba ngaba i-arhente , ummeli weziko leefowuni okanye iwebhusayithi ye-insurer
- Amabango Ukwaneliswa kwenkqubo yamabango, kubandakanywa neenkqubo zomshuwalense , abaguquleli , kunye nokuhlaliswa kwamabango
Amacandelo oMbane
I-JD Power ibonise iimpendulo ezivela kubathathi-nxaxheba. Emva koko wabala i-insurers kwizinto ezintandathu ezisebenzisa i-Power Circle Ratings system. Inkqubo ngumkhiqizo we-JD Power. Yenzelwe ukunika ingxelo engabonakaliyo kubasebenzisi beemveliso okanye inkonzo.
Kwizinto eziphandathu zeenzululwazi, i-JD Power yabanikezela ngabatshorensi ukulinganiswa kwezibini, ezintathu, ezine okanye ezihlanu zeMandla. Ama-insurers anike ukwaneliseka okukhulu kunemigudu engaphezulu. Nantsi oku kuthetha ukuba amanani:
5 Amagceke Amandla - Phakathi kwezona zinto zilungileyo
4 Amacangci Amandla - Ungcono kuninzi
3 Amagceke Amandla - malunga nomyinge
2 Amagceke Amandla - Abanye (ngaphantsi komyinge)
Ukongeza kwimijikelezo yamandla, i-JD Power ibelwe ngamnye umshishina manqaku amanqaku ngokusekelwe kumlinganiselo we-1,000-point. Eli nqanaba libonakalisa ukwaneliseka ngokupheleleyo kwabathengi kunye ne-inshurensi.
Amanqaku avela kuma-839 ukuya ku-793, anesilinganiso sama-823.
Survey Results
Ireyati elandelayo ibonisa indlela abaqhankqalazi abaye benza ngayo uphando. Qaphela ukuba iinombolo 2, 3, 4 kunye no-5 zibonisa inani leMigudu yeziMandla ezinikezelwe kubashurensi. Abatshorensi ababini (i-Cincinnati Insurance kunye ne-Philadelphia Insurance) bafakwe kwi-survey kodwa bangashiywanga kwizinga ngenxa yobukhulu beesampula.
| Umshurensi | Inqaku | Satis epheleleyo. | Ukunikezelwa kweMigaqo | Ixabiso | Ukuhlawula kunye neentlawulo | Ukusebenzisana | Amabango |
| Umndeni waseMelika | 839 | 5 | 5 | 4 | 5 | 4 | - |
| Kunye | 835 | 5 | 3 | 5 | 3 | 5 | - |
| Kwilizwe lonke | 835 | 5 | 4 | 3 | 4 | 5 | 4 |
| Ifama kaRhulumente | 831 | 4 | 5 | 3 | 5 | 3 | 4 |
| Erie | 829 | 4 | 4 | 3 | 4 | 3 | 5 |
| Allstate | 827 | 3 | 3 | 4 | 3 | 2 | 3 |
| Abanikazi beZithuthi | 826 | 3 | 4 | 3 | 3 | 5 | 2 |
| U khu luleko | 821 | 3 | 3 | 3 | 3 | 2 | 4 |
| Zurich | 821 | 3 | 3 | 3 | 3 | 3 | - |
| Abalimi | 818 | 3 | 2 | 3 | 3 | 3 | 4 |
| AIG | 816 | 3 | 3 | 2 | 3 | 3 | - |
| IHartford | 814 | 3 | 3 | 2 | 2 | 3 | 3 |
| Chubb | 810 | 2 | 3 | 2 | 2 | 2 | - |
| CNA | 806 | 2 | 2 | 2 | 3 | 3 | - |
| Abahambi | 793 | 2 | 2 | 2 | 2 | 2 | 2 |
Umqhubi wongqungquthela ngu-American Family, i- insurer yomhlalaphantsi esekelwe eMadison, eWisconsin.
I-American Family ithengisa iifayili zomntu kunye nezorhweba ngokusebenzisa ama-agent abathunjiweyo. Unika i- inshorensi yoshishino kwiikontraki zorhwebo ezincinci, ivenkile zokuthengisa, iiofisi zengcali, izitolo zokulungisa izithuthi, iindawo zokutya kunye nabanikazi bezindlu. Abadibeneyo bafumana indawo yesibini, landelwa yiSizwe lonke, ifama yeSizwe kunye no-Erie. NjengeNtsapho yaseMerika, ifama yelizwe lonke kunye neSizwe isasaza imveliso yazo ngokusebenzisa iimbopheleleko.
Olu lwaluyi-JD Power yesine inkqubela yokuneliseka kweshishini elincinci. Uphando luye lwabonisa ukuphucula ukwaneliseka kwabaxhasi kwiminyaka emithathu edlulileyo. Phakathi ko-2013 no-2016, amanqaku amanelisayo anyuke ngamanqaku angama-46. Umlinganiselo owanelisayo we-823 ngowama-2016 wawungama-30 angaphezulu kwamanqaku angama-793 ngo-2015.
I-Gen Yifuna Ukuthengisana kwabathengi
Ucwaningo lwango-2016 lubonakalisa ukungafani kovelwano phakathi kwabaxumi. Kuboniswe ukuba abathengi bakwa-Generation Y bafuna ukusebenzisana okungakumbi kunye nee-agents kunye nabathengisi kunabantwana bama-Baby Boomers okanye i-Generation X abathengi. Abatshutshisi, kunye nee-ejenti ezizimelayo, kufuneka zigcine ezi ngqondweni xa zijongene noGen Yers. Abaxhasi abancinci banqwenela ukudibanisa ne-arhente yabo ezimbini okanye ngaphezulu konyaka ngamnye. I-Gen Y-ers iphinda ikhethe ukusebenzisana komntu ngokubambisana nabalingane babo abadala.