Isizathu sini i-inshurensi yakho engeyiyo yokuhlaziya i-inshorensi yakho? Isilumkiso esingaphambili kusini na ukuba umgcini-mali wakho uza kunika ukuba uceba ukuyeka ukufumana ingxelo? Ingaba umshwalense wakho unyanzelekile ukuvuselela umgaqo wakho ?
Eli nqaku liya kuphendula le mibuzo.
Izizathu zokungabikho ukuvuselelwa
Kukho izizathu zokuba kutheni umgcini-mali angakhetha ukuyeka ukunikwa kwe-inshorensi yakho. Nazi ezinye zazo:
- Uzenzele iingozi ezininzi okanye ilahleko.
- Unalo irekhodi elikhuselekile okanye ungagcinanga ipropati yakho.
- Abaqeshwa bakho banamarekhodi omqhubi omqhubi.
- Uhlulekile ukuthobela iinqununu zokulawulwa kwelahleko .
- Umshuwalense wakho akafunanga ukubonelela olo hlobo lokubhengezwa.
- Ibhizinisi lakho litshintshile kwaye liba yingozi kakhulu.
- Uhlulekile ukubonelela ngolwazi olubalulekileyo oluceliwe ngu-inshurensi.
- Unika ulwazi lobuxoki kwisicelo.
Izibonelelo zomgaqo-nkqubo
Cishe zonke iipropati zorhwebo , uxanduva kunye nemigaqo-nkqubo yoshishino yomshuwalense ye- auto iqulethe imiqathango ethile malunga nokungahlaziywa. Ezi ziquka:
- Izimo zeGeneric ezakhiwa kwifomu yomgaqo-nkqubo.
- Amalungiselelo anikezelwe nguRhulumente afakwe kwipolisi yakho ngokuvuma.
Izibonelelo zeGeneric
Iifom ezininzi zomgaqo-nkqubo ziqulethe ukubonelela ngokumalunga nokungahlaziywa komgaqo-nkqubo. Ngokomzekelo, umgaqo-nkqubo we- ISO jikelele wokuzibophelela uqulethe isigatya kwiCandelo leMigangatho enesihloko esithi Xa Asiyi Kuvuselela. Ithi ukuba i-inshurensi yakho ikhetha ukuyivuselela umgaqo-nkqubo wakho, iya kukwazisa iintsuku ezingama-30 ngaphambi kokuba umgaqo-nkqubo wakho uphele.
Ezinye iifom zepolisi zithe cwaka malunga nokuhlaziywa. Kule meko, ukuhlaziywa kuya kubhekiswa kwisigunyaziso esifakwe kumgaqo-nkqubo wakho.
Imithetho kaRhulumente
Cishe yonke imigaqo ineemithetho echaza ukuba yeyiphi na amanyathelo amaphepha-mboleko afunekayo ukuba ayenze ukuba azimisele ukuyeka ukufumana ingxelo yakho xa ipolisi yakho iphelelwa. Imithetho esebenzayo kwimigaqo-nkqubo yomntu (njengabantu abazizimeleyo kunye nabanikazi bezindlu) ingaba yinto engqongqo ngakumbi kunezo ezisebenzayo kwimigaqo-yorhwebo. Ngokuqhelekileyo, u-inshurensi ukhululekile ukungahlaziyi umgaqo-nkqubo wakho wezorhwebo, nje kuphela xa unika isaziso esaneleyo. Umthetho wombuso unquma ukuba unonophelo olunjani umgcini-mali kufuneka anikezele.
Imithetho eyahlukeneyo inokufaka isicelo kwiimeko ezingenakuhlaziywa. Okokuthi, ukuba umgcini wakho womshuwalense uhoxisa kwimarike ngenxa yokuba engasayikuthanda ukubhala uhlobo oluthile lokubhengezwa, kunokufunwa ukuba akuxelele kunye nomlawuli we-inshorensi kwangaphambili. I-insurer yakho inokunyanzeliswa ukuba ikufumene umthombo wenkcazo yokubuyisela.
Iimfuneko zokuhlaziywa ezingabikho zihluka ukusuka kwelinye ilizwe ukuya kwelinye. Ngokomzekelo, amanye amazwe angadinga isaziso seentsuku ezingama-30 ngelixa abanye bebalela iintsuku ezingama-45 okanye iintsuku ezingama-60.
Ukuvunyelwa kweeNdawo ezithile
Imithetho yakho yomshuwalense kufuneka ilandele ukuba iphelisa umgaqo-nkqubo wakho, phakathi kwexesha elide okanye ekupheleni kwayo, ichazwe ngokucacileyo kwisigunyaziso esithile sikarhulumente esifakwe kumgaqo-nkqubo wakho.
Ukuba wenza ishishini kumazwe angaphezu kweyodwa, kufuneka ukuvunyelwana okuhlukeneyo kufakwe kwisiqendu ngasinye.
UkuVunywa kweNkxaso yeSizwe kuPhakamisa imiGaqo yesiGaba
Xa ukuvunyelwene kombuso kuqhotyoshelweyo, kuthatha indawo nayiphi na imimiselo yendalo kumgaqo-nkqubo wakho. Ngokomzekelo, cinga ukuba iCandelo leMimiselo yomgaqo-nkqubo wakho wemfanelo ithi umgcini-mboleko angeke ahlaziye umgaqo wakho ukuba umgcini-mali uya kukunika ubuncinane isaziso seentsuku ezingama-30. Nangona kunjalo, umthetho wakho wombuso (kunye nokuvuma kombuso okuxhomekeke kumgaqo-nkqubo wakho) kufuna umgcini-mali ukuba anike isaziso seentsuku ezingama-45 ukuba wenqaba ukuvuselela umgaqo-nkqubo wakho. Imfuno yeentsuku ezingama-45 ekuvunyelweni iphakamisa umyalelo wesaziso seentsuku ezingama-30 kumgaqo-nkqubo.
Izidingo zokukhansela
Ukongezelela kokungabikho ukuhlaziywa, ukuvunyelwa koburhulumenteni ukulungiswa komgaqo-nkqubo. Nawuphi na umqathango wokukhansela oqhelekileyo oqulethwe kumgaqo-nkqubo uza kugqitywa yi-endorsement yelizwe.
Amazwe ngokubanzi abeka imithetho emininzi ngokuphathelele ukukhanselwa komgaqo-nkqubo wakho kunokuba ungayivuselela. Ngokomzekelo, amaninzi amaninzi avimbela abathengisi ukuba bangawupheli umgaqo-nkqubo phakathi kwexesha elide ukuba kusebenze ixesha elithile, njengeentsuku ezingama-60. Le mithetho kaninzi ayinalo. Ngokomzekelo, umgcini wakho womshuwalense unokuvunyelwa ukukhansela umgaqo wakho wemfanelo xa uthe waxokisa kwisicelo sakho, ulahlekisa kakubi ibhizinisi lakho njengomenzi wezambatho xa usenza imveliso yomlilo.
Isaziso esongezelelweyo sokuChoxiswa kunye nokungahlaziywa
Abanye abatshutshisi baya kunika, njengengqinisiso yokubhengezwa, isaziso sangaphambili sokukhansela okanye ukungabi nhlaziywa kunokuba kufunwa ngumthetho kaRhulumente. Ngokomzekelo, umshwalense unokubonelela ngeentsuku ezingama-90, iintsuku ezingama-120 okanye kwiintsuku ezingama-180. Le ngxelo ingafumaneka ngokwahlukileyo okanye inxulumene nezinye izandiso zokuhambisa.