Ukubambisana kunika iBhizinisi Lenu elincinci ibe ngumda wokuPhuphisana
Ukuba uye wabuzwa udliwano-ndlebe ngomsebenzi, mhlawumbi uyaqhelana nombuzo othi, "Ngaba unokubambisana?" Njengoko umqeshi wakho oza kuba ngumbuzo ngenxa yokuba ufuna ukwazi ukuba uyinto ethembekileyo akukho rekhodi yolwaphulo-mthetho, kuyinto enhle ukukwazi ukuphendula "ewe".
Kodwa ukubophelelwa kwinto entle kumashishini amancinci. Abaxhasi kunye nabathengi bafuna ukwazi into efanayo kunye nokujonga ukuba banamathele njengomqondiso owukhoyo lwenkampani ehloniphekileyo, inyanisekileyo.
Kwaye ukubophelelwa kukukhusela inkampani yakho malunga nokulahlekelwa kwezinto ezibangelwa ubusela okanye ukungakwazi. Ukuba usebenzisa iseshishini sokuhlala kwilwanyana , umzekelo, kunye nenja ephosakeleyo iyonakalisa iseshoni sempahla yelinen xa omnye wabasebenzi bakho edlala nayo kwiredi yomthengi wakho, i- inshorensi yakho yebhondi ngokubambisana iya kuhlanganisa iindleko zomonakalo.
Amanye amabhizinisi ayadingeka ukuba ahlangane nomthetho, kodwa nangona awukho, ukufumana i-inshorensi yokubambisana ingaba yinto efanelekileyo kuba ukwazi ukuthetha nokuvakalisa ukuba ibhizinisi lakho libophelelwe linokunyusa ishishini owenzayo.
Yiyiphi inqaku?
Masicacise apha; kukho iintlobo ezahlukeneyo zeebhondi. (Jonga kwicandelo elilandelayo.) Kodwa zonke iimbophelo zihlobo lomshuwalense olukhusela ekulahlekeni. Uthenga uhlobo lokubambisana olufunekayo ukukhusela ishishini lakho kwaye, kwaye kwaye xa ilahleko ekhankanyweyo ivela, umshwalense ubeka ilahleko esikhundleni sakho, njengomzekelo ongentla.
Iintlobo zeBhondi zeBhanki
Iimeko zeenja eziqhekezayo ngasentla ngumzekelo wobudlelwane bokwethembeka . Olu luhlobo lwentsimbi ebaninzi abantu abayicinga ngayo xa bacinga ngokubambisana. Izibophelelo zokunyaniseka zikhusela amabhizinisi avela kumsebenzi wokungathembeki kunye / okanye umonakalo kwipropati yomthengi. Iintlobo zeentlondi zihlala zithengwa njengenxalenye yephakheji yomshuwalense.
Izibophelelo zeekhontrakthi , ngakolunye uhlangothi, zihlobo lokubambisana kunye nokukhusela abathengi bakho ngaphandle kokugqitywa kwesivumelwano. Ukuba, ngokomzekelo, unkonkontrakta oya kulungiswa ekhaya kwaye unesivumelwano kunye nomthengi ukuvuselela ikhitshi kodwa ungagqiba umsebenzi, isibophelelo sekhontrakthi siya kuhlawulelwa kumxhasi wakho, ngubani onokusebenzisa imali ukuqesha umntu ukuba agqibe oko uqalisile. (Qaphela ukuba olu hlobo luhlobo lwe-bond, i-insurer ingabuya kuwe ngokubuyisela.)
Ukuba uthumela ngaphandle , uya kufuna iimfuno ezifana ne-akhawunti yokuThuthukiswa koKhuseleko lwe-Akhawunti (ukukhutshwa kweThuthukiswa kweKhansela eKhanada) ekhusela ibhanki yakho ukuba umthengi wakho ufuna ukuhlawulwa, okanye ukuqinisekiswa kweSibonelelo soKhuseleko lwangaphandle olwenza ubomi bakho bube lula ngokukhuthaza umniki-mali wakho wangaphandle. ukuxhamla phambili.
Zininzi ezinye iintlobo zeekhonkco ezizodwa kumashishini athile.
Indlela yokufumana iCanada
1) Okokuqala, qaphela ukuba kukho iintlobo ezininzi zeekhonkco, ngoko kufuneka uqiniseke ukuba ufumana i-inshurensi yokubambisana efanelekileyo.
Njengoko ubona ngasentla, iintlobo ezahlukeneyo zeekhonkco zenzelwe ukukhusela kwiimeko ezahlukeneyo kunye nokulahleka okungenzeka.
2) Khangela umniki-mboleko.
Umboneleli wakho we-insurer yindawo efanelekileyo yokuqala. Kukho kwakhona ezinye iindijenti ze-inshorensi zendawo ukuba zikhangele.
I-intanethi iya kuba yimithombo ebalulekileyo. Faka igama legama lokukhangela "njengama-bondty bonds Canada" okanye "i-bondsity bonds Canada" kwi window yakho yokukhangela isiphequluli kwaye uya kuba namaphepha okukhetha. Zama ukunciphisa uphendlo lwakho kwi shishini lakho ukucima ukuxosha; "Isilwanyana esihlala phantsi" siza kuvelisa iphepha lokuzikhethela.
3) Cela unqaku.
Ukufumana enye iya kubandakanya ukuzalisa ifom yesicelo, nokuba uzalisa enye inthanethi okanye uhamba kwifomu kunye ne-inshente ye-inshurensi kwiofisi yakhe.
Yilungiselele ukuba ube nolwazi olufanelekileyo lwezoshishino oluya kufuna, njengoluhlu olupheleleyo lweenkonzo onika zona, ngeniso yonyaka yenkcitho yakho, inani leminyaka lakho ishishini lisebenza, njl njl.
4) Phinda isinyathelo 2 ubuncinane kathathu kwaye mhlawumbi ngaphezulu.
Le nto ibaluleke ngokwenene kuba iindleko zee inshurensi ziyahluka kakhulu. Kwaye njengoko iindleko ze-inshorensi yoshishino iqhubela phezulu, ufuna ukuqiniseka ukuba ufumana ininzi yinshurensi ngemali encinci yemali enokwenzeka.
5) Ukuphonononga izicatshulwa ozihlanganisayo uze ukhethe inkampani enxulumeneyo.
Khumbula ukuqinisekisa ukuba uthelekisa iipulo kwiipulo kwaye awukho iipulo kwiimonon. Thelekisa nje kuphela ixabiso le-inshorensi yokubambisa enikezelwa kodwa iinkonzo ezichanekileyo zihlanganiswa. Umzekelo, ukubuyela kumzekelo weshishini lokuhlala kwipilesi, ngaba unikezela ngeenkonzo zokucocwa kwezilwanyana kwakunye neenkonzo zokuhamba kunye nabo bahlanganiswa yinshorensi yokubambisana?
Ngokuqhelekileyo, ii-premiums zakho ziya kusekelwe kwisixa sokubhengezwa esicelweyo, inani labasebenzi , imisebenzi yezoshishino yenkampani yakho, kunye nemali ye-deductible. Qinisekisa ukuba uphando malunga netyala lokubambisa le nshurensi kunye nezinye iintlobo zeemfuno zebhizinisi lakho, njengenkokhelo yomshuwalense .
6) Tyikityo kwaye uhlawule.
Emva kokuba wenze ukhetho lwakho, lixesha lokutyikitya isivumelwano kunye nomshuwalense obeka into ekubambisene ngayo kwaye ayifihla. Funda ngokucopheleleyo. Qinisekisa ukuba uyayiqonda imiba enjengeenkqubo zokufakela ibango kunye nokuba kusetyenziswa ixesha elide ukufaka ibango ngokuqhelekileyo kuthatha.
Kukho ezinye iifom zenkampani yomshuwalense ikucela ukuba uzalise kwaye usayine.
Kwaye ke ixesha lokuhlawula. Ngokuqhelekileyo uza kuba nokukhetha ukwenza iintlawulo rhoqo ngonyaka, ngekota okanye ngenyanga.
Kwaye kunjalo! Unamathele eCanada! Ngoku yonke into omele uyayiyazi khumbula ukuhlaziya i-inshurensi yakho kwaye uyihlaziye xa kuyimfuneko, njengokuba uqeshe umsebenzi omtsha omele afunyanwe. Kwaye akunakwenzeka ukuba ukwazi ukuxelela abaxumi bakho kunye nabathengi ukuba unesiqinisekiso kwaye unamathele?