Iintlobo ze-Inshorensi yabaNini-mhlaba kunye nabaTyalo-mali

Yiyiphi Inshshurensi Ngaba Abanikazi Bemihlaba Nabanini-mali Bemihlaba Bafuna

I-inshurensi ngumxholo odla ngokungahoywa ngumtyalo-mali kunye nabanini-zimhlaba, nangona luyinxalenye ebalulekileyo kuyo yonke impumelelo yomhlaba otyalo-mali. Xa kwenzeka ukulahlekelwa kwepropati ethile, ukulahleka kwepropati, okanye ukugwetywa komthetho, ukuba ungekho i-insured, ungakufumanisa ngokwezimali, uqeqesho lwakho lwentlalo-mali lusemngciphekweni, okanye lubi nakakhulu, ukonga imali yakho kunye nesigwebo esikhulu kuwe.

Nge-inshurensi efanelekileyo kwindawo leyo, unokuzihlasela ngokulahlekelwa kwelahleko ezinkulu ezinokubangela ukuphazamiseka kwemali. Kubalulekile ukuba uqaphele, nangona kunjalo, kufuneka ufumane ibhalansi efanelekileyo phakathi kwe-inshorensi ecebileyo kunye nemali embi. Ufuna ukuqinisekisa ukuba imali oyihlawulayo kwiimali-mboleko zomshuwalense yodwa ayifaki ubunzima bezezimali kuwe nakwi shishini lakho. Ukuba ufumana ubunzima bezemali ngenxa yeendleko ze-inshorensi, kusenokuba ixesha lokuphinda ucinge ngokutsha lwakho mali.

Kwakhona kubalulekile ukuba uqaphele ukuba kufuneka uhlale uthetha ne-inshente ye-inshurensi yobugcisa ukuxoxa ngeemeko ezithile kunye neemfuno. Zonke iipropati ziyahluke. Ipropati kwingingqi yonxweme ineemfuno zee-inshurensi ezahlukileyo kunokuba zijikelezwe ngumhlaba wefama. Ukungaphantsi kwe-insured, ipropati yotyalo-mali, ukukhusela ipropati yotyalo-mali okanye iindidi ezingafanelekanga kwipropati yotyalo-mali inokuvelisa iziphumo ezimbi.

Iintlobo ze-Inshorensi ye-Real Estate abatshali-mali kunye nabanini-mhlaba:

Umshuwalense wengozi kunye noMlilo kwiPropati yeMpahla

• Intsholongwane yomshuwalense nomlilo ihlala ifunekayo.

Intshuwalense

• Inyhuwalense yexanduva ihlala ifunekayo. Unokuthenga i-inshorensi yemfanelo kwipropati yomzimba kunye neyeshishini lakho langempela.

Umshuwalense weeNkxaso

• I-inshorensi yokugcinwa kwe-inshorensi yokugcinwa kwe-inshorensi isoloko iyadingeka kwaye iyakongezwa kwi-inshorensi yakho yomshuwalense kunye nomlilo ngexabiso eliphantsi

Umshuwalense weMkhukula wePropati yoMhlaba

• Umshuwalense weMkhukula ufunwa kuphela xa uhlala kwindawo ekhutshwayo, ukuba ipropati yakho ikhona kwindawo engabonwanga njengezityalo ezikhuselekileyo, kodwa isenokuba nefuthe lokukhukula okanye ukuba unenkxalabo yokuba umkhukula unokutshabalalisa yakho propati.
  
• Ukuba indawo yakho ihlala isiphephelo esinjengesiqhwithi kunye namava okukhukula, umgaqo wakho wengozi kunye ne-inshorensi yomlilo ayiyi kuhlanganisa ilahleko yakho. Ngona ngelanga, abaninzi abaninikhaya nabanini-propati bepropati bafunde le ndlela ekhuselekileyo xa izinto zangaphandle, ezifana neziphepho, zibangele izikhukhula ngaphakathi kwipropati yabo. Umkhukula obangelwa ngamanzi angaphandle, oko kukuthi, kungekhona kumbhobho ogqityiweyo okanye ukuvuza ekhaya lakho, akuqhelekanga kubhekiswe ngumgaqo-nkqubo we-inshorensi yabanini. Ngaphandle kwe-inshurensi ethile, ungenakho inhlanhla ekufumaneni imali ye-inshurensi ukuze uncede ukufihla ilahleko.

Ubundlobongela

• I-inshorensi yobundlobongela iyadingeka xa ukhathazekile kukuba isenzo sokubakhokisayo singabangela umonakalo kwipropati yakho.

Intshumo yoMngcipheko Wezakhiwo

• Intsholongwane yengozi yomshuwalense iyimfuneko kuphela xa uthengela indawo engenamntu okanye ubuninzi bepropati engenamntu kwaye uhlaziywa kwipropati. Ngenxa yomngcipheko wokunyuka kokutshabalalisa, umonakalo wepropati, kunye ne-slip-makontrakta kunye nokuwa, 'iipropati eziwela kule nqanaba aziyi kufaneleka kwiingozi eziqhelekileyo kunye ne-inshorensi yomlilo okanye imigaqo-mboleko. Ummeli wakho we-inshorensi uya kufuna ukunikezela nge-inshurensi kwiimarike zesekondari. ULloyds waseLondon ungomnye wabanikezeli be-inshurensi ephakamileyo. Olu hlobo lwe-inshorensi ngokuqhelekileyo luphindwe kabini kunezihlandlo ezine kunexabiso eliqhelekileyo kunye ne-inshorensi yomlilo okanye yemigaqo-nkqubo.

Ukulahlekelwa kweNkxaso-mali yeNgeniso

• Ukulahlekelwa kwe-inshorensi yengeniso kuyadingeka ukuba ungumnini-mnini onomhlaba onotyalo-mali oqeshisayo kubaqeshi. Abatyalomali abafake ipropati ngenjongo yokuyithengisa kumnini-mhlaba omtsha abayidingi le nhlobo ye-inshurensi. Ukulahlekelwa kwe-inshorensi yengeniso ngokuqhelekileyo kwongezwa kwingozi yomshuwalense yomlilo ngeendleko ezongezelelweyo.

Inkontileka yoTyhurensi jikelele

• I-inshorensi jikelele yontengiso iyadingeka xa ugqiba ekubeni yi-kontraki jikelele jikelele ukuba ufumane iziqinisekiso zakho zokuvuselela imisebenzi kwiindawo zakho zokuqashisa.

Inkonzo Yomshuwalense Wembuyekezo

• Inkokhelo yemphuwalense yemphuwalense iyadingeka xa unabasebenzi abanjengama-superintendents, abasebenzi bokulondolozwa, abafumana i-receptionists, okanye nangona uqeshe amakontrakthi kwaye ubavumela ukuba basebenze phantsi komgaqo-nkqubo wakho womshuwalense.

Umbrella Insurance Policy

• Umgaqo-nkqubo womshuwalense we-umbrella awunakudinga ngokwenene, kodwa kuhlala kuyinto enhle ukuba ube neyona nto inika ukukhuselwa komsebenzi.

Olu luhlu lunokubonakala lude, kodwa aluphelelanga. Zininzi iintlobo zee-inshurensi ezongezelelweyo onokuzidingayo, yintoni kutheni kubalulekile ukuba ube ne-inshenti efanelekileyo neyithemba elithembekileyo kwiqela lakho ukuhlaziya imeko yakho kunye neemfuno zakho.