Nangona i-inshorensi nkqubo ilula ngoku, ayisoloko kulula ukuyiqonda. Inqubomgomo yomshuwalense kukuba, emva koko, isivumelwano somthetho. Eli nqaku liza kuchaza indlela iipolisi ezakhiwa ngayo. Kuya kuchaza ngalinye icandelo lomgaqo-nkqubo kunye nolwazi lwenu oluza kulufumana khona.
Yintoni uMgaqo-nkqubo?
I- policy nkqubo ithetha isivumelwano se-inshurensi epheleleyo. Umgaqo oqhelekileyo uqulethe ukuvakaliswa kunye nokuxhaswa kweefom zangaphambili kunye nokuvumela . Ngokuqhelekileyo , ifom iqulethe umgaqo-nkqubo omkhulu. Umzekelo, ifom ye-Business Auto Coverage Form ngumqolo we- ISO wokuthengisa umgaqo-nkqubo wokuthengisa . Ukuvuma kulungiswe umgaqo-nkqubo ngendlela ethile. Ngokomzekelo, ukugunyazwa kokukhanselwa kombuso kulungiswa ukubonelelwa kokukhanselwa komgaqo-nkqubo ukwenzela ukuba uhambelane nomthetho kaRhulumente.
Umgaqo-nkqubo ungaphinda ube neeshedyuli enye okanye ngaphezulu (uludwe), njengoluhlu lweendawo okanye ishedyuli ye-autos.
Kwezinye iikontraki ze-inshorensi, njengabalawuli nabaphathi-nkqubo, isicelo sifakwa kumgaqo-nkqubo.
I-Monoline okanye iipolisi
Uninzi lwemigaqo-nkqubo ye-inshorensi yezorhwebo yimigaqo-nkqubo. Iphakheji iqulethe ezimbini okanye ezininzi iintlobo zokubhengezwa kwinkontileka yomshuwalense. Umgaqo-nkqubo womnini-shishini ngumgaqo wephakhethi equleleyo uxanduva olubanzi kunye nokuthengiswa kwepropati yepropati.
Ezinye iinkqubo ze-inshorensi zinikeza uhlobo olulodwa kuphela lokubhengezwa. Ezi zibizwa ngokuba yimigaqo-nkqubo ye- monoline . Umzekelo ngumgaqo-nkqubo onika kuphela ukuthengwa kwemoto.
Icandelo loMgaqo-nkqubo we-Inshorensi
Uninzi lwemigaqo-nkqubo ye-inshorensi iqulethwe ngamacandelo adweliswe ngezantsi
Izibhengezo Izivakalisi zivame ukubonakala kwiphepha lokuqala lomgaqo-nkqubo. Inika isishwankathelo seenkcukacha ezibalulekileyo, njengegama lenkampani lakho nedilesi kunye negama lakho le-adhensi ye-inshurensi kunye nedilesi. Kwakhona kufakwe nenombolo yomgaqo-nkqubo, umhla osebenzayo kumgaqo-nkqubo, kunye nohlu lweengxelo ezibonelelwa ngeprakthi yakho. Ukuba umgaqo-nkqubo uquka uhlobo olungaphezulu kolunye uhlaselo, lungaquka izibhengezo eziqhelekileyo kunye nezivakalisi ezihlukeneyo zohlobo ngalunye lwengxelo. Ngokomzekelo, umgaqo-nkqubo owenza uxanduva lokubambisa kunye neepropati zepropati ziyakuthi ziqulethe izibhengezo eziqhelekileyo, izibhengezo zemfanelo kunye nezivakalisi zepropati.
Isivumelwano sokuqinisekisa : Isivumelwano esiqinisekisayo sisitatimende esifutshane esichaza iintlawulo ezenziwa ngu-inshurensi (okanye egameni lakho) kwimeko yokulahleka. Idla ngokuqala ngamazwi athi "Siya kuhlawula." Isivumelwano sokuqinisekisa siyisiseko somgaqo-nkqubo.
Okungabandakanyiyo Icandelo elikhethiweyo lichaza iingozi ezingagqithwanga phantsi komgaqo-nkqubo.
Kukho iintlobo ezintathu zeengozi eziqhelekileyo zezifundo:
- Izingozi ezihlanganiswe phantsi komnye uhlobo lomgaqo-nkqubo. Ngokomzekelo, umgaqo-nkqubo wentengiso ungabandakanyi imbopheleleko onokuthi uhlawulwe phantsi komthetho wokuhlawulela abasebenzi. Iimbopheleleko ezinjalo ziqinisekisiwe ngaphantsi komgaqo-nkqubo wokubuyisela abasebenzi , ngoko zifakwe ngaphandle komgaqo-nkqubo wakho wokuthengisa.
- Iingozi ezingabhekiswa kwi-premium eyongezelelweyo. Ngokomzekelo, umgaqo-nkqubo wakho wentengiso awufihla (njenge-insureds) abasebenzi bakho ngelixa uqhuba ii- autos ezinabo . Nangona kunjalo, unako ukhetho lokuba unikwe inkxaso kwipolisi yakho ehlanganisa abasebenzi xa usebenzisa iinqwelo zabo.
- Izingozi ezingenakunyaniseki. Umzekelo ukulahleka okubangelwa yimfazwe. Imfazwe yingozi yengozi kangangokuba ingabandakanywa phantsi kweentlobo ezininzi zemigaqo-nkqubo.
Ukuba umgaqo-nkqubo unikezela ngophawu olungaphezulu kolunye, icandelo ngalinye lokunika ingxelo linokuthi liqule isethi ehlukileyo yezinto ezingabonwayo. Eminye imigaqo-nkqubo iqulethe uluhlu lwezinto eziqhelekileyo ezifunyenweyo, ezisebenza kuzo zonke izibonelelo.
Iimeko Iimeko zeemeko zichaza imiqathango esetyenziswa kuwe nakwamanye amaqela achazwe ngumgaqo-nkqubo. Kufuneka uzalisekise imimiselo yomgaqo-nkqubo ukuze ufumane intlawulo ngokulahlekelwa. Ngokomzekelo, umgaqo-nkqubo ungatsho ukuba kufuneka ubike ilahleko kwi-insurer ngokukhawuleza.
Icandelo leemeko lichaza kwakhona imigaqo kunye neenkqubo ezibhekiselele kumgcini-mali oza kulandela xa umgaqo-nkqubo usasebenza. Umzekelo, phantsi komgaqo-nkqubo wepropati yoshishino , umgcini-inshurensi unokucacisa ukuba uza kubeka njani ixabiso lepropati ethile ukuba loo propati yonakaliswe.
Iinkcazo Iinkoliso ezininzi zinamagama anentsingiselo ekhethekileyo phantsi kwesivumelwano. Amagama acacisiwe aqhelekileyo agxininiswe kwisicatshulwa esibhaliweyo okanye esibhaliweyo. Ezinye iinkqubo ziqulethe amagama ambalwa kuphela xa ezinye ziqulethe ezininzi. Iinkcazo ziyakwandisa okanye zinciphise ububanzi benkxaso enikezelwe ngumgaqo-nkqubo. Amagama achazwayo achazwe kwicandelo leenkcazelo zepolisi.
Ngokomzekelo, cinga ukuba ixesha lokulimala komzimba , njengoko kuchaziwe kwipolisi yakho yokuzibophelela kubandakanya ukukhathazeka kwengqondo kunye nokulimala kwengqondo. Ngenxa yokuba ezi ntlobo zokulimala azibandakanyi kwinkcazo yokulimala komzimba efunyenwe kumgaqo-nkqubo we-ISO wemfanelo, umgaqo-nkqubo wakho unikezela ngokubanzi.
Iinkcazo zinokuthi zisebenze njengezizathu. Ngokomzekelo, inkcazo yomqeshwa kwi-ISO yomgaqo-nkqubo wokuthengisa ngokuzenzekelayo ithi umsebenzi wegama alithethi umqeshwa wexeshana. Abasebenzi bexeshana ababhekiselelwe kumgaqo-nkqubo ongabikho. Ngaphandle kokuba ufunde inkcazo yomqeshwa , awuyi kuqonda ukuba abasebenzi bexeshana abaqinisekanga phantsi komgaqo-nkqubo.