Ukwazi I shishini Lakho
Igosa lakho kufuneka liqonde ibhizinisi lakho. Kufuneka akwazi ukuba yintoni inkampani yakho, ukuba isebenza njani, apho ikhona kunye nezinye iinkcukacha ezibalulekileyo.
I-arhente yakho ayikho umfundi weengqondo. Uyazi ngakumbi malunga nebhizinisi lakho kunanoma ubani. I-arhente yakho kufuneka ithembele kuwe ukuba ifike ngolwazi. Qiniseka ukuba utshele i-arhente ukuba ishishini lakho linomngcipheko oyingqayizivele, njengendlela yokusebenza kwindlela yokuhamba okanye ukubandakanyeka kwesinye ishishini.
Ukuqhuba Uvavanyo loKungozi
Xa igosa lakho liqonda ibhizinisi lakho kufuneka kukuncede uhlole ingozi yakho. Buza i-arhente yakho ukuba yiziphi iintlobo zelahleko eziqhelekileyo ezenziwa ngamashishini anjengewekho kunye nento ongayenza ukuze uzikhusele. I-agent yakho kufuneka ikuncede uhlaziye iimpawu zakho zokulawula ingozi. Ngokomzekelo, i-arhente yakho ingasikisela ukuba umise inkqubo yolawulo lokulahleka, uthenge umgaqo-nkqubo we- inshorensi , usebenzise i-inshuwalense , kunye / okanye utshintshe umngcipheko komnye umntu ngokusebenzisa isivumelwano sembuyekezo .
Hlaziya iimfuno zakho zokuPhucula
Xa i-arhente yakho inokuqonda okuyisiseko kwengozi yenkampani yakho, kufuneka ihlalutye iimfuno zakho zokufikelela.
Ezinye iintlobo ze-inshurensi, ezinjenge- auto responsibility kunye nokuhlawulelwa kwabasebenzi , ziyimfuneko. Abanye abagunyazwa ngumthetho kodwa kubalulekile nakubanini. Umzekelo ngu-inshorensi yemfanelo yomshuwalense jikelele . Ezinye iintlobo ze-inshurensi (njenge- auto damage damage coverage ) zixabisekileyo kodwa akusoloko zibalulekile. Ukwenza uninzi lwebhajethi yakho ye-inshurensi cela i-arhente yakho ukuba ibeke iifowuni ezicebisayo ngokuxhomekeka kwintsebenzo enxulumene neshishini lakho.
Ukuthenga
Isinyathelo esilandelayo kukungenisa izicelo kwigama lakho okanye kwiinkampani zomshuwalense . Ukuba usebenzisa i- arhente ezizimeleyo kufuneka aziqhelane neemveliso ezinikezelwa ngabashurensi i-ejenti emele. I-arhente yakho kufuneka kwakhona yazi ukuba zeziphi iimveliso eziza kulungelelanisa iimfuno zakho. Ngokukhethekileyo, i-arhente yakho iya kufumana iincatshulwa ezivela kumabhoksi athile. Nangona kunjalo, oku kungenakwenzeka ukuba ishishini lakho liyimngcipheko, lineempawu ezingavamile okanye imbali elahlekileyo. Kweso siganeko, i-arhente yakho inokucela umthengisi wemigca yee-surplus ukufumana iingcaphuno kumntu omnye okanye abangaphezulu abangabhalwanga .
Ukuphonononga iiKota kunye nokukhetha okuKhetele
Xa i-arhente yakho ifumene iingcaphuno ezivela kubaqhankqalazi kufuneka akuncede ukuba uthelekise. Uxanduva lwe-agent yakho ukuqinisekisa ukuba iiprimiyam ezicatshulweyo ziquka iingxelo eziceliwe. Ukuba kukho nayiphi na iiprayimenti eziphakamileyo kakhulu okanye i-coverage ayikho, i-arhente yakho kufuneka izame ukuxoxisana neyona nto ibhetele egameni lakho. Emva kokuba izicatshulwa zigqityiwe i-agent yakho kufuneka ikuncede ukhethe umgaqo-nkqubo ojongene nezidingo zakho.
Ukujonga Umlinganiselo Wakho
Umsebenzi we-agent wakho awupheli xa uthenge umgaqo-nkqubo. Ibhizinisi lakho liyakhula kwaye litshintshe kwixesha kunye ne-inshurensi yakho kufuneka ivumelane nezo zinguqulelo.
I-arhente yakho kufuneka idibanise nani ubuncinane kanye ngonyaka ukwenzela ukuhlaziywa kwakhona . Ukuba i-inshurensi yakho ibhaliwe yindishurensi efanayo iminyaka emininzi, cela i-agent yakho malunga nokuthengisa ishishini lakho kwabanye abatshorensi. Iimarike zitshintshile ukususela ekugqibeleni kwakho ukubhalwa kunye nokukhetha okungcono.
Uncedo Ngeebango
Ukuba inkampani yakho ixhasa ilahleko, i-arhente yakho kufuneka inike isikhokelo ekuzaliseni ifom yebango kwaye uyithumele kwi-insurer. I-arhente kufuneka ilandele ibango ukuqinisekisa ukuba iqhutywe ngokukhawuleza. Ukuba ibhaso lakho lemali lilibazisekile okanye liphikisiwe, mhlawumbi ngenxa yokungafi okanye ulwazi olungachanekanga, i-arhente yakho inokuthetha ne-adjuster egameni lakho ukukhawulezisa inkqubo yokuhlawula. Xa ibango lakho lihlawulwe, i-arhente yakho inokukunceda ukuba unqume ukuba inani lemali lokuhlawula lifanelekileyo kwaye lifanelekileyo.
Ukubonelela ngezikhokelo
I-arhente yakho kufuneka ifumaneke ukuphendula imibuzo enxulumene ne-inshurensi yakho. Ngokomzekelo, ukuba unenjongo yokuhamba ngaphandle kwe-US kwishishini lakho i-arhente kufuneka ikwazi ukuxelela ukuba i-coverage yakho ekhoyo iya kusebenza kwelinye ilizwe. Qinisekisa ukuba uqhagamshelane ne-arhente yakho ngokukhawuleza ukuba ibhizinisi lakho lithatha ingozi entsha (njengokuthenga isakhiwo esitsha) okanye iguqulwe utshintsho.
Khonza njengoMmeli Wakho
I-arhente yakho kufuneka isebenze njengommeli wakho ekujonganeni nabashuseli kwimibandela eyahlukeneyo (kungekhona nje amabango). Kufuneka asebenze nabasebenzi bekampani yomshuwalense ukulungisa iingxaki egameni lakho. Ngokomzekelo, cinga ukuba umgcini we-underwriter ufuna ukungahlaziyi umgaqo-nkqubo wakho wepropati ngenxa yokuba ugcine ilahleko ezininzi. I-arhente yakho kufuneka isebenze nomgcini-phantsi ukuba axoxe ngesisombululo esincinci esincinci, esinjenge-deductible enkulu.