Izizathu zokuthintela ingozi
Ukungaxilwanga kusebenza ngeenjongo ezahlukeneyo. Uninzi lusebenza kwimingcipheko ewela kwelinye lamacandelo alandelayo.
- Ingozi Eminye imingcipheko ayinakulungeleka kuba iyakwazi ukuthintela inani elikhulu labaphathi-nkqubo ngokukhawuleza. Umzekelo wemfazwe.
- Iindawo ezifihliweyo Kwimiba emininzi ingabandakanywa phantsi kohlobo oluthile lomgaqo-nkqubo kuba luhlanganiswe ngaphantsi komnye. Ngokomzekelo, izibango zembopheleleko zezimoto zifakwe ngaphandle komgaqo- nkqubo wokubamba umthwalo ngenxa yokuba zihlanganiswe ngumgaqo-nkqubo wentengiso .
- Kulula ukuLawula Ezinye iingozi azifakiwe ngenxa yokuba zilawulwa lula ngumnini-nkqubo. Umzekelo umonakalo kwipropati yomntu siqu evulekileyo ebangelwa yimvula, iqhwa, iqhwa okanye i-sleet. Umonakalo onjalo ungabandakanywa phantsi kwemigaqo-nkqubo yepropati yintengiso kuba ikhutshwe kalula.
- Ininzi ye-inshorensi imigaqo yeziganeko ezinobungozi. Ngaloo ndlela, ababandakanyi ilahleko ezifunyenwe ngumntu okhuselekile. Ngokomzekelo, zombini uxanduva kunye nemigaqo-nkqubo yokuzibophezela ngemali yokuthengisa umqobo akubandakanyi ukulimala komzimba ukuba i-insured igxile kwinxalenye yesithathu ngenjongo.
- Imiba yokulondolozwa Kweminye ingozi ayinakulungele ukuqinisekisa ukuba ivela ngokwemvelo. Umzekelo ugqoke kwaye uphuke. Ukulimala okubangelwa ukuguga kunye nokukrazula kungabandakanywa kwipropati yentengiso kunye nokukhutshwa komonakalo ngokomzimba . Izingozi zolu hlobo zingahlala zilawulwa ngokugcinwa kakuhle. Izithuthi zamatye ziyakhuselwa ukuba zigule kwaye zichithe ngokujikeleza.
- Imigaqo emininzi engekho mthethweni ingabandakanyi ilahleko ezibangelwa ukuphulwa komthetho okanye izenzo zobugebengu. Ngokomzekelo, imigaqo-nkqubo yokuzibophelela ngokubanzi ayibandakanyi ukulimala komzimba, umonakalo wepropati okanye ubungozi bomntu kunye nokukhangisa okubangelwa ukuphulwa komthetho we- Telephone Consumer Protection Act okanye i-CAN-SPAM Act .
- I-Partially Insurable Ezinye iingozi zingenakunyuswa kwiiparitha ezithile. Ngokomzekelo, imigaqo-nkqubo yamatyala amaninzi ayifaki iimbopheleleko ezithathwa phantsi kwesivumelwano. Nangona kunjalo, ukuhanjiswa kunikezelwa uxanduva olubanjwe phantsi kwekhontraki efanelekileyo njengekhontrakthi eqinisekisiwe (njengoko kuchaziwe kumgaqo-nkqubo).
- I-Insurable for Price Ezinye izingozi zingenakuqinisekiswa ukuba uzimisele ukuhlawula i-premium eyongezelelweyo. Umzekelo ukulahleka okubangelwa ubusela obwenziwe ngabasebenzi bakho. Ilahleko ezinjalo zihlala zingabandakanywa phantsi kweenkqubo zepropati zorhwebo. Nangona kunjalo, unokuqinisekisa ukuba ilahleko ezinjalo ngokuthenga umsebenzi wokuba utywala .
Ukungabikho kokutshintsha
Ifom yePolisi ayifakwe kwilitye. Uninzi luhlaziywa ngezihlandlo. I-ISO ihlaziya imoto yokuthengisa, uxanduva oluqhelekileyo kunye neefom zepropati zorhwebo yonke iminyaka embalwa. Ama-insurers ahlala esilandelayo, ukubandakanya iinguqulelo ze-ISO zenze iifom zabo ezifanelekileyo. Isiphumo esifanayo kwinkqubo yokuhlaziywa kwefom yongeza okanye ukuguqulwa kweemigaqo-nkqubo.
Uninzi lweenguqu ezenziwe kwimigqaliselo yepolisi yempendulo kwiinqununu zenkundla zamuva. I-ISO kunye ne-inshorensi ifom ye-policy nkqubo ngenjongo yokukhawulelana nokukhawulelwa kwiingozi ezithile. Inkundla inokumisela ukuba umgaqo-nkqubo ubeka umngcipheko wokuba umfaki-nkqithi uthathelwa ngaphandle. I-ISO okanye i-inshurensi ingadibanisa okanye iguqule ukukhutshwa ngaphandle kokususa ukukhutshwa kwengozi.
Isiqendu
Indawo ecacileyo ukujonga umgaqo-nkqubo ongabandakanywayo kwinqanaba elinelungelo lokungabikho . Eminye imigaqo iqulethe kokubili ukungabikho kunye nemingcele. Ukunciphisa ukukhutshwa okukodwa. Iyanciphisa ubuninzi bokufikelela kwengozi yokhuseleko. Ngokomzekelo, imigaqo-nkqubo yepropathi ihlala ivumela ukukhutshwa kwezinto ezixabisekileyo ezifana neentsimbi kunye nobucwebe kumlinganiselo othile (ophantsi).
Umgaqo-nkqubo onika uninzi lwendlela yokubhengezwa ingaquka uluhlu lwezinto ezingabonwayo.
Uluhlu oluhlukileyo lusebenza kolunye uhlobo lwe-coverage. Ngokomzekelo, umgaqo-nkqubo wokuthengisa ngokuzenzekelayo uqulethe iiseti ezimbini zokungafunwa, omnye phantsi koMsebenzi wokuPhathwa kweMfanelo kunye nomnye phantsi koKhuseleko lweMvelo.
Ezinye iinkqubo ezibonelela ngeendlela ezininzi zokubandakanya iifaka ziquka kuphela isethi enye yezinto ezingabonwayo. Ukukhutshwa ngalunye kusebenza kuzo zonke iingxelo. Enye imigaqo-nkqubo iqulethe izinto ezingafaniyo zohlobo ngalunye lweenkcukacha kunye nokungaqhelekanga okuqhelekileyo okusebenza kuzo zonke izibonelelo.
Izibhengezo ezifumaneka kwenye indawo
Umgaqo-nkqubo unokuthi ungaqulethe izibonelelo ezingekho kwicandelo elingafunwayo . Nazi ezinye iindawo apho zivame ukubonakala khona.
Iinkcazo
Enye yezona ndawo ziqhelekileyo ukufumana umgaqo-nkqubo ongagqithwanga yiinkcazo zeenkcazo . Iinkcazo zidibanisa intsingiselo ethile kumagama, ngoko banokunciphisa ububanzi bokubhengezwa. Ngokomzekelo, imigaqo-nkqubo emininzi ichaza intsimi yokubhengezwa , ebeka umda wokubhengezwa kwiziganeko ezenzeka kumazwe athile. Le nkcazo isebenza njengokungabikho ngenxa yeziganeko ezenzeka ngaphandle kwamazwe achaziweyo. Iipolisi ezingacacisi indawo yenkcazo ngokubanzi ikhusela imicimbi eyenzekayo naphi na kwihlabathi.
Iimeko
Izibhengezo zingaphinda zifumanekwe kwicandelo lomgaqo-nkqubo. Ngokomzekelo, umgaqo-nkqubo we-ISO wentengiso uqulethe umqathango onqanda ukukhawulelwa kwingozi ezenzeka kwintsimi yokubhengezwa . Eli lungiselelo livela kwiimeko eziqhelekileyo kwinqanaba, kungekhona iinkcazo .
Ukuvunyelwa
Abaninzi bango-inshurensi bangezelelwe kwimigaqo-nkqubo ngokufaka iinkxaso kwiifom zokuprintwa. Ukuvuma kungabongeza ukukhutshwa okutsha okanye ukuguqula umntu okhoyo.
Isiqinisekiso sokuqinisekisa
Isivumelwano esiqinisekisayo sisigxina somgaqo-nkqubo. Iqulethe ngokubanzi izitatimende ezichazela ukukhutshwa okunikezelwayo. Nangona kunjalo, isivumelwano sokuqinisekisa sinokuthi singenalo izizathu. Ngokomzekelo, isivumelwano esiqinisekisayo kumgaqo-nkqubo oqhelekileyo wemfanelo-mboleko ngokukodwa asibandakanyi ukulimala komzimba okanye umonakalo wepropathi owaziwayo kumaqela athile aqinisekisiwe ngaphambi kokuba umgaqo-nkqubo uqale.