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Ininshurensi yePropati
I-inshurensi yepropati yoshishino iya kukhusela ishishini lakho kwilahleko ezibangelwa ukulimala ngokomzimba kwipropati yakho. Ipropati enjalo ingabandakanya isakhiwo apho ibha yakho isebenzayo kunye nepropathi yakho eyisebenzisayo kwishishini lakho.
Abanikazi abaninzi bebhanki bafumana i-inshurensi yepropati njengenxalenye yomgaqo- nkqubo . Abanye abaqinisekisayo banikela iinkqubo ezijoliswe ngokukodwa kubanini bemvume yobutywala.
Unokuqinisekisa ipropati yakho ngokusekelwe kwixabiso langempela lemali (ACV) okanye ixabiso layo lokubuyisela. Ukuthengwa kweendleko ezibizayo kunokubiza kakhulu kodwa kutyalo-mali olulungileyo. Abaninzi abanini bebhagi abanako ukuhlala bengeshishini emva kokulahlekelwa okukhulu ngaphandle kokuba bathenge ukuthengwa kweendleko zokubuyisela. Ukuba ungumnikazi wesakhiwo sakho, kufuneka uqikelele nokuthenga isicatshulwa somthetho . Ezi zilandelayo ziqinisekisa ukuba umgaqo-nkqubo uza kuhlawula iindleko zokuphuculwa ezifunekayo kwiikhowudi zokwakha xa isakhiwo esonakalisiweyo senziwa okanye satshintshwa.
Ukumisela umda we-inshurensi ukuthenga, kuya kufuneka uqikelele indleko zokutshintsha yonke impahla yakho. Le mali iyakufuneka uchithe ukubeka endaweni yakho, izakhiwo, iifriji, isitokisi, kunye nezinye iimpahla ukuba zitshabalaliswa ngumlilo okanye enye ingozi.
Qaphela ukuba ezininzi iinkqubo zepropati aziboneleli ngeendleko zokubuyisela iindleko, ukuqokelela, i-bric-a-brac kunye nezinto ezinjalo. Ezi zinto zifakwe kwixabiso langempela lemali. Ukuba ibha yakho inemifanekiso ekhethekileyo, efana nentloko ye-moose okanye iqoqo yeelayisenisi yeelayisenisi, unokufuna ukuthenga i-arts cover .
Le ngxelo inokukunceda ukuphepha iingxabano kunye ne-insurer yakho ngenani lezinto ezizodwa eziye zonakaliswa okanye zonakaliswe.
Masithi ukuba isakhiwo apho usebenza khona ibha yakho yonakaliswe kakhulu ngumlilo. Unyanzelekile ukuba uvale ibhizinisi lakho deze isakhiwo silungiswe. Imigaqo-nkqubo yepropati emininzi ayifumene neengeniso ozilahlekileyo ngexesha lokuvala. Ukukhusela ishishini lakho malunga nokulahlekelwa kwemali engenayo, kuya kufuneka ukuba uthenge ukukhutshwa kwengeniso yoshishino .
Ekugqibeleni, imigaqo-nkqubo yepropathi ayibandakanyi umonakalo obangelwa ngumkhukula okanye iinyikima Ukuba ibha yakho ibonakala kwindawo ejongene nale yezingozi, kufuneka uqikelele ukuthenga i- inshurensi yesikhukhula okanye ukukhuselwa kwenyikima .
Intshuwalense
Inyhuwalense yoxanduva kubalulekile ukuba kusetyenziswe utywala. Uzakufuna zombini izibophelelo zecala kunye noxanduva lotywala.
UmGaqo woLuntu
Umgaqo- nkqubo wokuzibophelela ngokubanzi ukhusela ibhizinisi lakho kumabango okanye amavili afakwe kumaqela esithathu (kubandakanywa nabathengi) ukulimala komzimba okanye umonakalo wepropati abahlala kwindawo yakho. Umzekelo ibango ngumthengi oye wawela waza wawa phantsi komtya wakho, ephula umlenze wakhe. Imigaqo-nkqubo eninzi yokuzibophezela ngokuzenzekelayo iquka inshorensi yemfanelo yemveliso .
Le bhorensi ibandakanya izibango zokulimala komzimba okanye umonakalo wepropathi ovela kwimveliso oyithengisayo. Ngokomzekelo, umthengi uyagula kwisithambisi esikhatywayo esithenge kwi-bar yakho kwaye uyakuxhomekeka ngenxa yengozi yomzimba. Umgaqo-nkqubo wakho wemfanelo kufuneka ubhalele ibango.
Ezinye iivalo zibonelela ngokuzonwabisa ezifana nebhodi ephilayo. Abanye bakhusela izinto ezifana neetafile zamanzi okanye iinkunzi zenkomo. Iibhasi ezibandakanyeka kwimisebenzi enjalo zihlawulwa ngakumbi nge-inshorensi yemfanelo. Ezinye iindidi zemisebenzi, ezifana neziboniso ze-pyrotechnic okanye i-trampolines, zingabandakanywa kwi-coverage.
YoTywala iMboleko
I-inshorensi yobuninzi-mboleko ayiyi kufaka ibango kwi-shishini lakho elivela ngaphandle kokuthengiswa okanye inkonzo yezonxila. Amabango anjalo akhankanywe ngaphandle kokunyanzeliswa kotywala kotywala. Ngaloo ndlela, nayiphi na isiseko esithengisa utywala kufuneka igosa lokujongana notywala .
Kwamanye amazwe, le ngxelo iyadingeka njengesimo sokufumana ilayisenisi yotywala.
Iindleko zoxanduva lokutywala utywala kuxhomekeke kwizinto eziliqela. Ezi zibandakanya uhlobo lwebhizinisi lakho, ipesenteji yentengiso yakho yonke into equka ukuthengiswa kotywala, kunye nelizwe osebenza kuyo. Ngokuqhelekileyo, uya kuhlawula ngaphezulu i-inshurensi njengoko ukuthengiswa kotywala kwakho kwandisa isiqingatha kwintengiso yakho yonke. Ngaphezu koko, ukukhutshwa komthwalo wotywala kubiza kakhulu kwilizwe elibamba umnini-mgca onoxanduva lokulimala kumaqela asemithathu abangelwa ngumgcini otywalayo. Kubalulekile ukuba uyayiqonda indlela imithetho yomthetho wotywala esebenza ngayo kwimeko yakho. Cela ummeli wakho ukuba achazele kuwe.
Ezinye izimangalo ziwela "kwimimandla egciniweyo" phakathi kweemfanelo eziqhelekileyo kunye noxanduva lokutywala. Amabango anjalo angavelisa iingxabano phakathi koxanduva olubanzi kunye noomatshini bano-inshorensi. Unokuziphepha ezi ngxabano ngokuthenga uxanduva lwezotywala kunye nezindleko zokubambisa ezivela kwi-insurer efanayo.
Ukuhlaselwa kunye noBhettery
Iifom eziqhelekileyo ( ISO ) ngokubanzi kunye neefom zentlawulo yotywala azibandakanyi ngokukodwa ukuhlaselwa kunye nebhetri. Nangona kunjalo, ezi fomu azibandakanyi ukulimala okulindelekileyo okanye okujoliswe kumbono wokhuseleko. Izenzo ngumnini webar okanye umqeshwa ngokubhekiselele kumntu ongekho phantsi kungabangela ukulimala kumphathi. Ukuba umgcini-sicelo uyakunqumela okanye ishishini lakho, i-suit isenokuwela phantsi kwe- "kulindeleke okanye ukulimala" . Ngaloo ndlela, xa kuthengwa i-inshorensi yemfanelo kwisiseko sotywala, khangela umgaqo-nkqubo ojongene nokuhlaselwa kunye neebhetri zamatyala phantsi kokubambisa uxanduva lwe-inshorensi.
Ezinye iiNgcaciso
Ngaphandle kweempahla zepropati kunye nezoxanduva, umnini webar unokufuna i-inshurensi yembuyekezo yorhwebo kunye nabasebenzi. Kufuneka uqikelele ukuthenga ukuthengwa kwemali yokuthengisa imoto xa usebenzisa i-autos kwishishini lakho. Oku kubandakanya i-autos ibhizinisi lakho alikho, njengesithuthi esiphethwe ngumqeshwa. Ukuba ishishini lakho liqesha abasebenzi, kuya kufuneka ukuba uthenge umgaqo-nkqubo wokuhlawula abasebenzi .
Inqaku elihlelwe nguMarianne Bonner