Ezi zizona ziqhelekileyo:
Nazi ezinye iimbopheleleko zokuzibophezela ngemoto eziqhelekileyo zibandakanywa ekuwandiseni ukuvunyelwa.
Izixhobo ezitsha okanye eziManyeneyo
Ngokungafani nomgaqo -mgangatho oqhelekileyo wemfanelo, umgaqo-nkqubo we- ISO webhishini umgaqo-nkqubo awunikeli ngokukhawuleza ngokukhawuleza kwamashishini atsha . Ngaloo ndlela, abanye abatshutshisi baquka oku kubhengezwa kwiimvume zabo. Isebenza ngokusisiphi na inkampani oyifumanayo okanye ifomu emva komhla wokuqalisa komgaqo-nkqubo. Iqumrhu elitsha kufuneka libe yininzi-nkampani eneenkcukacha kumgaqo-nkqubo wakho (obizwa ngokuba yi-insured). Akukho nkonzo yokubonelela ngokuzenzekelayo inikezelwa ngobuhlakani obutsha, iintsebenziswano ezidibeneyo okanye iinkampani ezithintekayo.
Amashishini amatsha ngokubanzi ahlanganiswe ixesha elichaziweyo, njengeentsuku ezingama-90 okanye ezili-120. Ukuze kuhanjiswe ingxelo emva kokuba ixesha lidlulileyo, kufuneka ucele umgcini-mali wakho ukuba ungeze inkampani entsha kwipolisi yakho. Kufuneka uhlawule i-premium eyongezelelweyo ehlawulwe ngu-inshurensi yakho.
Abasebenzi njenge-Insureds
Ukwaziswa okubizwa ngokuba ngabasebenzi njengama-Insureds utshintshisa icandelo elithi "Ngubani oNgciniweyo" kwicandelo lomgaqo-nkqubo wentengiso. Ihlanganisa abaqeshwa bakho ngelixa beqhuba ii-autos ezingenabanikazi , kuquka nezithuthi zabo. Ngokungabikho kwalolu xwebhu, abasebenzi baqinisekisa kuphela xa beqhuba i-autos inkampani yakho eyakho okanye iqeshwe.
Qaphela ukuba abasebenzi njenge-Insureds coverage isebenza ngokugqithiseleyo (ngaphezu kwezinye iinsurance insurance). Oku kuthetha ukuba ukuba umqeshwa adibana nesimo sakhe somntu kwi-shishini senzeke engozini kwaye uhlawuliswa njengesiphumo, umqeshwa uya kugqitywa ngumgaqo-nkqubo wakho wentengiso emva kokuba usebenziso lwabasebenzi luye lwasetyenziswa.
I-Autos Hired Autos
Ngaphantsi komgaqo-nkqubo womgaqo-nkqubo wokuthengisa, abasebenzi baqinisekisayo ukufumana iimbopheleleko zemfanelo xa beqhuba iinqwelo zokuthengisa ii-autos okanye eziqeshwe ngu-insured (umqashi) ogama lakhe . Abasebenzi abaqinisekanga ngelixa beqhuba i-autos baqeshisele egameni labo, nokuba ngaba ii-autos zisetyenziselwa egameni lakho.
Xa i-postage ebizwa ngokuba yi-Employee Hired Autos yongezwa kumgaqo-nkqubo wakho, abasebenzi bahlaselwa ngokuzenzekelayo xa beqhuba izithuthi eziqashisayo abaqeshwe egameni labo. Oku kusebenzayo kusebenza njengoko nje beqhuba isithuthi kwiinjongo zoshishino kunye nangemvume yakho.
Umhlobo woBasebenzi
Olu khuselo lususa ukungabikho komsebenzi kunye nomgaqo-nkqubo. Inika ingxelo yokufakela isitifiketi sokulimala ngomntu omnye kumnye. Le ngxelo ingaba ibalulekileyo xa uthe uvumele abasebenzi ukuba basole abanye abasebenzi ngenxa yokulimala okuqhubekayo emsebenzini.
Nazi ezinye izandiso ezisoloko zibonelelwa phantsi kwe- auto damage damage .
Umyinge womoya
Ukukhutshwa komonakalo owenziwe ngokuzenzekelayo kuqulethe ukukhutshwa kunye nokugqabhuka, ukuqhaqhazela, kunye nokuchithwa kombane. Ngenxa yolu hlobo, umgcini-mali wakho awuyi kuhlawula umonakalo kwi-auto egxininisiweyo ebangelwa yi-airbag eyenziwe ngengozi. Ukukhutshwa kwe-Airbag kunikezwa ngokufaka umzekelo kwi-mechanical or breakal breakdown portion of the exclusion. Le ngxelo ingaba ngaphezu kweyomnye umshuwalense wokuhlawula okanye iwaranti onokuyenza.
Ukuqeshisa ngokuzenzekelayo / Ukuhlawulwa kweGan Gap
Ukuqeshisa ngokuzenzekelayo ukukhawulwa kweengcambu kusebenza xa isithuthi oqeshisa ixesha elide liye lagcina ilahleko epheleleyo, kwaye isixa ohlawulwayo ngokuqeshisa sidlula ubunani bexabiso lemali yesithuthi. Umzekelo, unetyala le-15,000 kwi-leasing yakho, kodwa ixabiso lexabiso lemali liye lahlolwa kwi-$ 10,000 kuphela.
Isithuba sakho sokuqhawula ikhefu siya kuhlawula i-$ 5,000 ekhoyo. Akukho nto yokusebenza echaphazelekayo kwizigwebo ezinqunywe ngumntu ongaphantsi kokusetyenziswa ngokugqithiseleyo, umgama ophezulu okanye ukuguquka okungavamile nokulila. Imali ye-Gap coverage ifana nokuqeshiswa kwemoto ngokukhawuleza ngaphandle kokuba isebenza kwimali mboleko yemali evelele.
Ukulungiswa kweDeductible kwi-Glass Breakage
Ii-Chips okanye iintsikelelo kwi-windshield iyakwazi ukulungiswa rhoqo. Iindleko zokulungisa iiglasi zingaba ziphantsi kakhulu kunexabiso lentsimbi entsha. Ngaloo ndlela, ezinye i-inshurensi ziza kukhishwa i-deductible kwi-coverage epheleleyo okanye yokudibanisa (nayiphi na into esebenzayo), xa iglasi ephukileyo ilungiswa kunokuba ithathe indawo.
Ukukhutshwa kweMoto ngokuKonakalayo
Ezinye iziphakamiso ezongezelelweyo zenkxaso zibandakanya ukuxhamla umonakalo owenziwe ngomonakalo ngomzimba . Ngokuqhelekileyo, le ngxelo iyasebenza kuphela xa umnikazi wepolisi sele sele eqinisekisele ukuqeshisa i-autos ngenjongo yokukhawuleza. Ngaphezu koko, zonke i-autos eziphantsi kweshishini kufuneka zikhutshwe nge-inshorensi yokulimala ngokomzimba. Oko kukuthi, umoto oqashiweyo awuyi kuhlanganiswa phantsi okanye ukudibanisa ngaphandle kokuba yonke i-autos eneenkampani iqinisekisiwe.
Xa kunikezelwa ngokuzenzekelayo, umonakalo owenziwe ngomzimba ngokwasemzimbeni ngokuqhelekileyo uphantsi komda, njengama-$ 50,000. Ukuba umoto oqashiweyo uwonakaliswe okanye utshatyalaliswe, umgcini-mali uya kuhlawula ngaphezu komda ochaziweyo okanye ubunani bexabiso lemali yesithuthi, nayiphi na into encinane. I-deductible isebenza ngokuqhelekileyo.
Iimigaqo neMigaqo-nkqubo
Ezinye izivume zenza utshintsho kwiimeko okanye iinkcazo kumgaqo-nkqubo.
Isaziso seNgebe okanye iBango
Umgaqo-nkqubo we-ISO webhishini lomgaqo-nkqubo ufuna wena, ogama liqinisekisiwe, ukuba unike isaziso somshuwalense esiphuthumayo naliphi na ingozi, ibango, i-suit okanye ilahleko. Le mfuneko ingaba yingxaki xa umqeshwa ebona ingozi, kodwa ehluleka ukuyibika ekuphathweni kwenkampani yakho. Xa iqumrhu lakho lifaka ifowuni, ibharensi inokukhanyela ukuhanjiswa kwendlela yokuba awukwazanga ukuthobela imfuno yokunika ingxelo.
Le "ngesaziso yengozi okanye ibango" isilungiso senzelwe ukukhusela ezo ngxaki ngokulungiswa kwemfuneko yesaziso. Ngokuqhelekileyo ithi ulwazi lwengozi okanye ukulahlekelwa ngumqeshwa aluyi kuba nolwazi olubizwa ngokuba yi-insured ngaphandle kokuba iinqununu ezithile zeenkampani zizazi eso siganeko. Ezi ziinqununu zingabandakanya umntu ogqityiweyo ongu-insured (umntu oyedwa), iqabane (lobambiswano), ilungu (leenkampani ezinomthwalo ongezantsi), okanye igosa lenkampani okanye umphathi we-inshorensi (yenkampani).
Ukulungiswa kweNgcasiso
Abaninzi batshorensi baya kulungisa imimiselo yomgaqo-nkqubo ukubandakanya ukukhishwa kwe-subrogation provisional. Nangona ulwimi olukhutshwayo luyahlukahluka, ngokuqhelekileyo luchaza ukuba ukuba umntu ogunyazisiweyo ogqityiweyo uthe wagxotha amalungelo akhe ngekhontrakthi ebhaliweyo yokumangalela iqela elithile, umgcini-mali uya kukhupha amalungelo akhe okumangalela elo qela.
Ukungaphumeleli kokungabikho kokuLawula iingozi
Umgaqo-nkqubo omiselweyo umgaqo-nkqubo uthi umgcini-mali uya kukhupha umgaqo-nkqubo ukuba wenza ubuqhetseba obunxulumene nokukhutshwa kwemoto yakho. Umgaqo-nkqubo wakho unokupheliswa kwakhona ukuba wena okanye nayiphi na enye inshurensi ngokufihlakeleyo ukufihla okanye ukuphazamisa into ephathekayo enxulumene nomgaqo-nkqubo wakho, umbane (okanye inzala yakho), okanye ibango olifakile phantsi komgaqo-nkqubo. Ngokomzekelo, ufaka ibango lokonakaliswa komzimba kwi-auto egxininisiweyo phantsi kokubambisana kwakho. Umshuwalense uyayeka umgaqo-nkqubo wakho emva kokufunda ukuba umbane unommelwane wakho kunokuba ushishino lwakho. Imithetho kaRhulumente inokumisela umgudu wakho wokukhupha umgaqo-nkqubo wakho.
Abaninzi batshorensi baya kwandisa i-exception kwi-fraud provision for the failure of intentionally to reveal the dangers. Imbango ngokubanzi ichaza ukuba umgcini-mali uya kukhanyela ukukhutshwa kwebango esekelwe kukungaphumeleli kokungazenzisiyo ukuchazela, okanye ukunyaniseki kwakho okungenakuzenzela, into ephathekayo. Emva kokuba ufumene impazamo, kufuneka uyixele kwingxelo yakho yomshuwalense ngokukhawuleza.
Ingqondo Yengqondo
Esi sihlomelo sitshintsha inkcazo yokulimala komzimba . Iwandisa inkcazo kubandakanya ukukhathazeka kwengqondo okubangelwa ukulimala komzimba, ukugula okanye izifo. Injongo yalo kukugubungela ukukhathazeka kwengqondo okubangelwa yingozi.