Izibango zokuPhepheka xa kuthengwa i-Inshishino ye-Inshoni

by Marianne Bonner

Nangona abanikazi bamashishini abancinci behlala beengcali kwintsimi yabo, abaninzi baninzi malunga ne- inshorensi yoshishino . Ngenxa yoko, abanikazi bezoshishino bangenza iimpazamo xa bethenga ingxowa-mali. Ezinye iiphoso zincinci kodwa ezinye zinokuba nemiphumo emibi. Nazi iintonga ezili-10 zokuziphepha xa uthenga i-inshurensi kwi shishini lakho.

01 - Uhlala uthengela umgaqo-nkqubo obizayo

Iintlawulo zeeNyanga ziyakwazi ukuhluka ngokubanzi kwi-inshurensi enye ukuya kwinye, ngoko kuyacaca ukuba uthenge ngeenxa zonke xa uthengisa i-inshurensi. Nangona kunjalo, abanikazi boshishino ngokuzenzekelayo bakhetha umgaqo-nkqubo oncinci. Le mpazamo. Abathengi kufuneka baqonde ukuba yintoni umgaqo-nkqubo kwaye awufihla phambi kokuba bathathe isigqibo sokuwuthenga.

Xa uthenge i-inshorensi yoshishino, cela i-arhente yakho okanye umthengisi ukuba athathe iicatshulwa ezivela kuma- inshurensi amaninzi. Emva koko uhlaziye iziphakamiso ngokubanzi. Qinisekisa ukuba ucinga ngeentlobo kunye nemali yenkxaso nganye yomshuwalense idibene kwisicatshulwa sayo. Umgaqo-nkqubo oncinci awunayo inzuzo xa unika inkxaso encinane. Ukuba udinga uncedo ngokuthelekisa iziganeko zokucela i-arhente yakho okanye umthengisi uncedo. Injongo yakho kukufumana i-coverage efanele kwixabiso elifanelekileyo.

02 - Ukuthenga i-inshurensi yePropati ePhantsi

Abaninzi bamashishini bancinci baqinisekisa izakhiwo zabo kunye nepropati yabo phantsi komgaqo-nkqubo wepropati . Ngelishwa, abahlali bathengi imida efanelekileyo.

Njengabanye abanamalungelo omgaqo-nkqubo, unokucinga ukuba umgaqo-nkqubo oquka ukukhutshwa kweendleko zokubuyisela izindleko ngokuzenzekelayo uza kulungisa iindleko zokulungisa okanye ukubuyisela ipropati yakho eyonakalisiweyo. Awukwazi ukuba umgaqo-nkqubo wakho awuyi kuhlawula ngaphezu komda we-inshorensi. Ukuba iindleko zokulungisa okanye ukubuyisela impahla eyonakalisiwe idlula umda, umgaqo-nkqubo awuyi kubhalela ilahleko ngokupheleleyo. Inkampani yakho iya kufuneka ilandele ilahleko eseleyo.

Kufuneka uqaphele ukuba iipolisi ezininzi zepropati zibandakanya okanye isigatya se-coinsurance okanye ukubonelelwa kwexabiso elivunyelweneyo . Bobabini banika isohlwayo sokugcizelela ipropati yakho. Ukuba ilahleko ivela kwaye uhlulekile ukugcina inani elincinci le-inshurensi, wakho umshwalense akayi kuhlawula imali epheleleyo yokulahleka. Ukunyanzelisa ngokunyanisekileyo ipropati yakho akuyona indlela efanelekileyo yokugcina imali kwiiprayimali zepropati!

03 - UkuGembula kwiMilinganiselo ephantsi kweMfanelo

Cishe nayiphi na ishishini linokubetha inkundla. Amagqwetha amacala awunakulinganiswa. Abanini-shishini abanakho ukuqikelela ukuba ngubani oza kumangalela iseshingi sakhe, xa ama-suits aya kufakwa, okanye inani lemonakalo elichasiweyo liya kufuna. Akukho mntu ulindele ukuthethwa kodwa ukugwetywa kwamacala kwenzeka. Elinye ibango elikhulu linokufaka inkampani encinci ngaphandle kweshishini.

Xa uthengisa uxanduva oluqhelekileyo okanye i- inshorensi yemboleko yemoto , musa ukukhawulela kwimida. Ukuba awuqinisekanga ukuba yintoni i-inshurensi oyifunayo, cela i-arhente yakho okanye umthengisi ukuba anike iingcebiso.

Qaphela ukuba abanokuba ngabanikazi bezindlu, abathengisi kunye nabanye banokungafuni ukwenza ibhizinisi ngaphandle kokuba uthathe umyinge omncinci we-inshurensi. Ngokufanayo, urhulumente karhulumente unqabe ukukhupha imvume yakho yokumisela uphawu, ubambe isiganeko okanye wenze enye imisebenzi kwipropati yoluntu ngaphandle kokuba uthenge umda ochaziweyo. Namhlanje, iinkampani ezininzi kunye namaziko karhulumente adinga umda we-1 million okanye ngaphezulu.

04 - Ukukhetha ngokuzenzekelayo i-Low Deductible

Iideductibles yindlela yokuzimela-inshurensi . Bavumela abanini-nkqubo ukuba bagcine imali kwiimali-mali ze-inshorensi ngokuhlawula ilahleko ezincinci ngaphandle kwepokothini. Baye bavumela abatshutshisi ukuba baphephe indleko yokulungiswa kwamabango amancinci.

Xa uthengisa ipropati yoshishino okanye inkunkuma yomshuwalense womzimba , ungakhethi ngokuzenzekelayo i-deductible ephantsi. Unokuthenga enye inshorensi kunokuba uyifunayo. Kunoko, cinga indlela oyi-premium eninzi oyisindisa ngayo ngokukhupha i-deductible, ukusho i $ 100 ukuya kuma-250, okanye ukusuka kuma-250 ukuya kuma-500. Njengomgaqo oqhelekileyo, kufuneka ukhethe i-deductible enkulu kunazo zonke i-firm firm yakho ingayifumana. I-deductible ephezulu iya kunika inkxaso ekukhuseleni ipropati yakho kumonakalo.

05 - Ukusilela ukulungiswa koMlinganiselo wakho njengeziTshintsho zeBhizinisi lakho

Uninzi lwamashishini atshintsha ixesha. Iinkampani ezincinci zikhula, zifumana ipropati entsha kunye nokuqesha abanye abasebenzi. Abanye bakwandisa iminikelo yabo yemveliso ngelixa abanye beya kwiindawo ezintsha zendawo. Xa amashishini atshintsha, i-inshorensi yabo idinga ukutshintsha kwakhona. Ngaloo ndlela, abanini-shishini kufuneka bahlale be-inshorensi zabo ngokutsha ngokutshintsha okwenzekileyo. Ngelishwa, abanye abanini-shishini abenzi oku. Isiphumo sinokungenakwaneleyo kwenkxaso yomshuwalense.

Ixesha elifanelekileyo lokuphinda uhlolisise iimfuno zakho ze-inshorensi ziinyanga ezimbalwa ngaphambi kokuba iipolisi zivuselele. Hlangana ne- arhente yakho okanye umthengisi kumntu ukuze ukwazi ukuchazela nayiphi na utshintsho olwenziwe kwinkampani yakho. I-arhente yakho kufuneka iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde ihlaziywe.

06 - Ukuhluleka Ukufunda Iipolisi Zakho

Kukhuselekile ukutsho ukuba bambalwa abanini-shishini banomdla wokufunda imigaqo-inshorensi. Nangona kunjalo, ukuphepha kukuyindlela efanelekileyo yokulawula ingozi. Kufuneka ufunde imigaqo-nkqubo yakho ukuze uqonde oko abakwenzayo kwaye abayikugubungela. Musa ukulinda kude kubekho ilahleko ebonakalayo ukujonga iinkqubo zakho. Awukwazi ukuthenga ukukhutshwa kwelahleko engekho ngaphandle eyenziwe.

Nangona iinkqubo ezininzi ze-inshorensi zibhalwa ngolwimi olulula, ziqulethe ezinye "zomthetho." Ukuba unenkathazo yokuqonda amagama, cela ummeli wakho we-inshorensi okanye ummeli ukuba akuchazele yona ngokwemigaqo yomntu.

07 - Ukungaphumeleli Ukuqinisekisa Ukulahleka Kwemali

Njengabanini banini-shishini, unokuthi uqinisekise i-assets yakho yenkampani ngokulahleka okanye umonakalo phantsi komgaqo-nkqubo wepropati. Nangona kunjalo, usenokuthi uhlulekile ukuqwalasela umphumo oqhelekileyo wokulahleka, oko kukuthi ukulahleka kwemali engenayo.

Ukuba izakhiwo zeshishini lakho liwonakaliswe ngumlilo okanye enye ingozi, inkampani yakho ingafuneka ivalwe kude kube yintoni umonakalo olungiswe ngayo. Ibhizinisi lakho alikwazi ukuvelisa ingeniso ukuba ayisebenzanga ukwenzela ukuba ukukhutshwa kungaba yingozi. Unokukunceda ukuqinisekisa ukuba inkampani yakho isaphila ukuphazamiseka ngokuthenga inzuzo yengeniso yoshishino . Oku kuhlawulelwa kukubuyisela imali yengeniso onokuyifumana ukuba ilahleko ayizange yenzeke. Ikwabandakanya neendleko omele uqhubeke nokuhlawula (njengentlawulo okanye umbane) nokuba ingaba ishishini lakho liyasebenza.

I-inshorensi yengeniso yoshishino ibonelelwa ngokubambisana kunye neendleko ezongezelelweyo zeendleko . Oku kubandakanya iindleko ozenzayo ukukhusela okanye ukunciphisa ukuvalwa kwebhizinisi lakho emva kokulahleka kwepropati.

08 - Ukubambisana neNkxaso-mboleko efanayo

I-inshurensi ngabantu boshishino ngoko kubalulekile ukuba nobuhlobo obuhle kunye ne-insurer yakho. Nangona kunjalo, oku akuthethi ukuba kufuneka udibanise nenkampani efanayo yomshuwalense ngonaphakade.

Njengazo zonke iishishini, abaqinisekisi batshintsha ixesha kunye neenguqu zihlala zingcono. Iintlawulo zeeNyanga ziyakhula ngelixa umgangatho wenkonzo uncipha. Iimveliso ezingenakugcinwa ngokutsha. Izilinganiso zemali ze-inshurensi zingawa. Isondlo sakho se-inshurensi yamashishini afana neowakho angadambisa. Ukuba ugcina utshintsho olunje, mhlawumbi ixesha lokuthenga. Buza i-arhente yakho okanye umthengisi ngeempendulo ezivela kwabanye bomshuwalense. Unokuzama ukuthenga i-inshurensi kwi-intanethi .

09 - Ukukhetha uMmeli Ongalunganga okanye uMthengisi

I-arhente yakho okanye umthengisi ufumana ama-commissions kwiiprayimari ozihlawulayo kwimigaqo-inshorensi. Ekubeni uhlawula le nkonzo, kufuneka ahlangane neemfuno zakho.

Abanye abanikazi bamashishini badinga ukusebenzisana rhoqo kunye negosa labo. Abanye bafuna indlela yokubeka izandla. Abanye bafuna ukuqhagamshelana ubuso nobuso ngelixa abanye bathanda ukuthetha ngefowuni okanye nge-imeyili. Kungakhathaliseki ukuba ukhetha ntoni, i-arhente yakho ifanele ifane nesitayela sakho. Ungamamatheli kwi-inertia engafanelekanga okanye ngenxa yokuba ungafuni ukulimaza iimvakalelo zakhe ngokuphelisa ubuhlobo. Ukuba awufumani nto oyifunayo, fumana enye i-arhente .

10 - Ukungaphumeleli ngokuchanekileyo Uluhlu lweZiko okanye indawo

Ininzi yemigaqo-nkqubo yembopheleleko, njengoko kuthiwa yi-insureds , abantu okanye iinkampani zoshishino eziboniswe kwizivakalisi. Abantu okanye iinkampani ezingabhalwanga kumgaqo-nkqubo azifanelekanga njengegama elibizwa ngokuba yi-insureds. Lo mgaqo usebenza kuwo

uxanduva jikelele, i- auto auto , kunye ne- umbrella . Ukungahoyi uluhlu lwequmrhu loshishino kumgaqo-nkqubo unokuba nemiphumo emibi.

Ngokomzekelo, cinga ukuba i-ABC Inc yenza i-candy. Ngenxa yezizathu zerhafu, i-ABC idala isibonelelo esibizwa ngokuba ngu-XYZ Inc. ABC ngoko ke idlulisela ubunini bezakhiwo zaso kwi-XYZ. Abanikazi be-ABC bathengi umgaqo-nkqubo ojongene noxanduva othayibhile i-ABC njengegama eliqinisekisiwe. Bayalibala ukuquka i-XYZ. Ingozi eyenzeka kwiprinikhi, kwaye i-XYZ Inc. ilandelwa. Ngenxa yokuba i-XYZ ayibhalwanga kwipolisi ka-ABC, umgcini-mali ka-ABC wenqaba ukukhupha ibango.

Iingxaki ezinjalo ziyakwenzeka ukuba indawo zeshishini zikhutshwe kumgaqo-nkqubo wepropati. Ininzi yemigaqo-nkqubo yipropati ibhawula ukulahlekelwa ngumzimba okanye umonakalo kwipropati ekhutshwe kwiziko elichazwe kwiimpapasho . Ukuba ipropati ewonakalisiweyo isendaweni engabonakaliyo kumgaqo-nkqubo, umonakalo awunakutyalwa.