Ukhusela Uninzi Olulahlekileyo
Iinshurensi yoshishino yenzelwe ukukhusela inkampani ngokubhekiselele ekulahlekeni kwintlekele.
Imizekelo ngumlilo otshabalalisa isakhiwo, kunye neengozi yemoto eyenza umgwebo omkhulu kwi-firm. Ezi ziganeko zinokuba zibiza kakhulu. Ukuba abayi-insured, bangabangela ukuba inkampani ihambe.
I-inshorensi yoshishino ayijolise ukukhupha ilahleko ezincinci ukuba inkampani ikwazi ukuyifumana kalula. Le yimiba imigaqo-nkqubo eninzi iqulethe iinqununu . Ngokomzekelo, umgaqo-nkqubo wentengiso ngokubanzi uquka ukuchithwa okusebenzayo kumonakalo womonakalo ngokomzimba . Ukuba umgaqo-nkqubo ubandakanya umonakalo wokudibanisa, umgcini - mali uya kuhlawula inxalenye encinane "fender bender" yokulahlekelwa engadluli kwi-deductible.
Eminye ingozi ayikwazi ukufumana inshorensi phantsi kwemigaqo-nkqubo yomshuwalense . Imizekelo inyikima nokukhukhula . Ezi zingozi zifuna ukuxhaswa okukhethekileyo. Imingcipheko embalwa ayinakulungeleka. Ngokomzekelo, awukwazi ukuqinisekisa isakhiwo sakho ngokumalunga nomonakalo obangelwa yimfazwe okanye imisebe yenyukliya.
Ukusasazeka kweengozi
Injongo ephambili yomshuwalense kukusasaza ingozi.
Wonke amashishini abhekana nomngcipheko wokulahlekelwa yintlekele. Kukho nawuphi na ishishini, iingxaki zelahleko enkulu zincinci kakhulu. Nangona kunjalo, ilahleko ezinkulu ziyenzeka, ngoko ke zonke iinkampani zifuna ukuzikhusela ngokuthenga i-inshurensi. Ibhizinisi lihlawula i-premium, kwaye ngokutshintshiselana, umkhushurensi uthatha ingozi yokuba ilahleko ezinkulu ziya kwenzeka.
Iinkampani zomshuwalense ziqokelela imali kubathengi be-inshurensi ngendlela yeeprayimari. Abaqinisekisi bafunwa ngumthetho ukubamba enye yale mali njengempahla . Bafaka imali kule mali ukuze bafumane imali. Abatshutshisi basebenzise enye yemali ebebekele eceleni ukuhlawula amabango.
Iinkampani ze-inshurensi ziye zavelisa izixhobo zokuchaza ukulahleka ngokusekelwe kumgaqo wemathematika obizwa ngokuba ngumthetho wamanani amaninzi . Lo mthetho ngowona mfundiso yokuba ukulahlekelwa kwangaphambili kwexesha lokulahleka kuya kuchaneka ngakumbi njengoko inani leeyunithi zonyango likhula. Okokuthi, i-insurers ingcono ukukwazi ukuxela ukulahleka xa beqinisekisa amawijethi amaninzi kunokuba abambalwa.
Ngokomzekelo, khangela ukuba umshwalense uqinisekisa izakhiwo ezithandathu. Ngenxa yokuba inani lezunithi zokungcebeleka (izakhiwo) zincinci, umshuwalense akakwazi ukuchaza ngokuchanekileyo ukuba zininzi zazo ziya kugcina ukulahleka komlilo kunyaka ozayo. I-insurer yokukwazi ukuxela ukulahlekelwa komlilo iya kuphucula kakhulu ukuba umshwalense uqinisekisa izakhiwo zezigidi ezithandathu kwiindawo ezithandathu.
Abaqinisekisi baqokelela kwaye bahlalutye idatha yelahleko kwishishini ngalinye. Basebenzisa idatha yelahleko yomlando ukuqikelela ukulahleka kwexesha elizayo. Abatshutshisi basebenzise le datha ukuphuhlisa amaxabiso ahlawulwa ngabanikazi bamaphepha-nkqubo. Amashishini asebenza kwimingcipheko ahlawula amaxabiso aphezulu kunabo abaphantsi kwemisebenzi emngciphekweni okanye ephantsi.
Amanyathelo okuthenga i-Inshorensi
Ukuthenga i-inshorensi yoshishino yinkqubo ebandakanya amanyathelo abalulekileyo amane.
Zi fundise
Ngaphambi kokuthenga i-inshorensi, kufuneka ube nolwazi oluyisiseko lweentlobo zemigaqo-nkqubo yokuthengwa kwamashishini. Kungaba luncedo ukubuza abanye abanikazi bezoshishino kwishishini lakho ukuba ziphi i-inshorensi. Uninzi lwamashishini ludinga uxanduva oluqhelekileyo , u- auto auto , ipropati yoshishino , kunye nemigaqo-nkqubo yembuyekezo . Akufuneki ukuba uyayiqonda yonke imiba yale nkqubo, kodwa kufuneka ukwazi ukuba yintoni injongo abayisebenzayo.
Hlaziya I shishini Lakho
Isinyathelo esilandelayo kukuhlalutya ibhishini lakho ukuchonga iingxelo ezithile ezifunekayo zezoshishino. Lungiselela inkcazo ebhaliweyo yebhizinisi lakho, uchaza ukuba yintoni na kwaye isebenza ngayo. Yenza umgca we-flowchart ochaza isinyathelo ngasinye semisebenzi yakho.
Yenza uluhlu lwepropati lakho ishishini.
Khetha uMmeli okanye uMthengisi
Ininshurensi ngabantu boshishino. Uya kufuna i- arhente okanye umthengisi onokuhlakulela ubuhlobo besikhathi eside. Lo mntu kufuneka abe ngumqeqeshi onikwe ilayisenisi ngolwazi olufanelekileyo lwe-inshorensi. Kwakhona kufuneka akwazi ukuqonda indawo yemarike yomshuwalense. Nika i-ejenti yakho ingcaciso ebhaliweyo yebhizinisi lakho. Ukubonelela nayiphi na ingcaciso eyongezelelweyo ayicelayo. Xa igosa lakho liyazi ngakumbi nge shishini lakho, bhetele uya kukwazi ukuhlangabezana neemfuno zakho ze-inshorensi.
Uhlaziye ii-Coverages zakho rhoqo rhoqo
Ibhizinisi lakho aliphonswa kwitye. Kuya kukhula kwaye kutshintshe ixesha. Imigaqo-nkqubo yakho yomshuwalense kufuneka ibonise olo tshintsho. Unokufuna iimali ezongezelelweyo, okanye umda ophezulu okanye ophantsi. Ukudibanisa ne-arhente yakho okanye umthengisi kanye ngonyaka, ngaphambi kokuba iipolisi zakho zivuselele, ukuvavanya imiba yakho.
Inqaku elihlelwe nguMarianne Bonner