Isithintelo sihluke kwisatifikethi se-inshurensi . Isatifiketi sisebenza ngobungqina bomshuwalense.
Ikhutshwe ngenjongo yomntu omnye ngaphandle komnini-nkqubo. Ngakolunye uhlangothi, i-inshurensi iyayikhupha ukuze inzuzo yomthengi we-inshorensi.
Ukuba uthenga i-inshurensi ye-inshurensi ngomthengisi womgca we- surplus okanye uLloyd waseLondon , unokufumana inqaku lekhava ngaphandle kwesithintelo. C ngaphezu kwesaziso kuphela enye inqaku lokubambisa.
Ngubani okhupha izibophelelo?
Isithintelo sinokukhishwa yinkampani yomshuwalense, okanye ngummeli we-inshurensi egameni lomshuwalense. I-arhente inokukhupha isithintelo kuphela ukuba unalo igunya lokukwenza. Ububanzi begunya lokubopha i-agunya lichazwe kwisivumelwano phakathi kwe-arhente kunye ne-inshurensi. Ikhonterikethi inokuvumela i-arhente ukuba ibophe ukuxhaswa kwezinye iindidi zemigaqo-nkqubo kodwa ingabanye. I-arhente engenawo igunya lokukhupha isithinteli inokucela omnye kwi-inshurensi.
Umthengisi we-inshurensi akakwazi ukukhupha ababopheli ngenxa yokuba abadayisi abanalo igunya lokubopha (igunya lokuqalisa i-inshorensi).
Ngokungafani nama-inshorensi, ii-brokers azenzi njengabameli bomshuwalense.
Ulwazi olunikeziweyo
Uninzi, kodwa akusiyo yonke, i-insurers yokukhishwa kwiifom efanelekileyo. Ngenxa yokuba uxwebhu lwesikhashana, isithintelo sinikeza isishwankathelo somgaqo-nkqubo omele wona. Isithintelo esiqhelekileyo siqulethe uhlobo lolwazi oluchazwe ngezantsi.
Iinkcukacha zajikelele
Isithintelo sinika ulwazi olubanzi malunga nenkampani yakho, umgcini-mali kunye ne-agent yakho. Oku kubandakanya:
- Igama le-arhente lakho, idilesi kunye nolwazi lokunxibelelana
- Igama lenkampani lakho nedilesi
- Igama lomshuwalense wakho
- Inombolo yeBinder
- Imihla yokusebenza eyiyo
- Inombolo yomgaqo (jonga inqaku)
- Inkcazo yemisebenzi yakho, izithuthi okanye ipropati eziza kubanjelwa
Inombolo yesithintelo isebenza kwi-binder kuphela. Akuyena inombolo efanayo eya kuvela kumgaqo-nkqubo wakho. Isibhengezo sakho siza kubhala inombolo yombutho kuphela ukuba ibhajethi ikhishwe ukunyusa ixesha lepolisi ephelile.
Ngokomzekelo, ukuba ufumene ileta evela kwi-insurer yakho echaza ukuba uye wagqiba ekubeni ugqibe imigaqo-nkqubo yokubuyisela abasebenzi kubarhulumente bakho. Ileta ifika iintsuku ezingama-60 ngaphambi komhla wokuphela komgaqo-nkqubo. Ukwazisa umgcini wakho womshuwalense ukuba udinga ngaphezu kweentsuku ezingama-60 ukuthenga i-coverage. Umshuwalense wakho uphatha umtshini obhenkcelayo ukufikelela kwithuba lakho kwiintsuku ezingama-60 emva kokuba umgaqo-nkqubo wakho uphela. Ngoku unemihla engama-120 ukufumana omnye umgaqo-nkqubo wokuhlawulela abasebenzi.
Inkcazelo yoLwazi
Isithintelo sihlulwe ngokuhlukileyo sibe ngamacandelo, afana neePropati zoRhwebo, uLawulo oluPhezulu kunye noPhumo lwaBasebenzi. Ngolunye uhlobo lwentengiso oyithengileyo, umcebisi kufuneka uluhlu lwemida enikezelweyo kunye neifom zokufakisha eziya kufakwa kumgaqo-nkqubo wakho.
Isibhengezo sinokuphinda sibhale uluvo oluphambili.
Ngokuxhomekeke kwiingxelo ezithengiweyo, isithintelo sinokubonisa oku okulandelayo:
- Iipropati zepropati ezihlanganiswe (ingozi okanye ingozi echaziweyo), i- deductible kunye nepesenti ye-coinsurance
- Uxanduva oluPhezulu loMgaqo-siseko wokubhengezwa ( amatyala-eyenziwe okanye ukuvela ). Ukuba i-coverage yenziwe ngamabango, umhla wokubuyela emva kufuneka uhlulwe xa kusebenza.
- Iziganeko zokuziThengisa ngokuVikela kwii-autos ezikhuselekileyo. Imizekelo nayiphi na imoto, ama-autos aqeshwe , kunye nama -autos angenawo .
- Ulwaphulo-mali oluPhezulu olwenziwe ngezoBucala lubandakanyeka (olubanzi kunye / okanye udibaniso) kunye ne-deductible
- Uhlobo oluphambili lweMigaqo-nkqubo yomgaqo-nkqubo ( umgaqo- sambuli okanye olunye uhlobo lomgaqo-nkqubo ogqithisileyo).
Qaphela ukuba xa uqinisekisa isakhiwo okanye isithuthi esilondolozwe ngemboleko, igama lakho lomboleki kufuneka livele kwi-binder.
Iimeko
I-binder ibandakanya ezinye iimeko . Ngokomzekelo, ithetha ukuba i-inshorensi echazwe kwi-binder iyaxhomekeka kwimimiselo kunye nemingcele yemigaqo-nkqubo ngoku kusetyenziswa ngumshuwalense.
Ababophezeli abaninzi banamalungiselelo okukhansela. Ngokuqhelekileyo, umgcini-mali unokukhenxisa ibhinti yakho ukuba inokuthi i-ishishini lakho alihambisani nemigangatho yalo yobhaliso. Nangona kunjalo, izibophelelo ziyaxhomekeke kwimithetho efanayo elawula ukucinywa kwemigaqo-nkqubo . Ukuba i-inshurensi yakho ikhansela isithintelo, kufuneka ikunike isaziso ngexesha elifunekayo ngumthetho. Izidingo zokukhansela ziyahluka ukusuka kummandla ukuya kwilizwe. Ngethamsanqa, ukucinywa kwebinder kunqabile. Iimbopheleleko ezininzi zithatyathwa yinkqubo ye- inshorensi .
Ekugqibeleni, isithintelo sinokuba neemeko ezisetyenziswa kuphela kumazwe athile. Ezi meko ziya kusebenza kuwe kuphela ukuba ishishini lakho lisebenza kwelinye lamazwe achazwe.