Umlinganiselo ogqithisileyo wokuPhakamisa
Iipolisi ezininzi ze-umbrella zibonelela ngokudibanisa kweemfanelo kunye ne-umbrella.
Ukugqithiswa okugqithiseleyo kunika imida engaphezulu xa ilahleko lidlula imida ebekwe yipolisi yakho yokuzibophelela. I-courier coverage isebenza kwiilahleko ezingabandakanywa yinshurensi yonyango.
Ezinye ezibizwa ngokuba yii-ambulla ziyimigaqo-nkqubo eyimfuneko yokuguqula. Zivele zibonise i-coverage enikezelwe yimigaqo-siseko. Xa uthengisa i-ambulera, khangela umgaqo-nkqubo owenza uncedo olubanzi kunemigaqo yakho ephambili. I- arhente yakho okanye umthengisi angakunceda ukuba ubone ukuba yiyiphi i-sambuli ikulungele.
Isiqinisekiso sokuqinisekisa
Isivumelwano esiqinisekisayo sisiseko sesambulela. Yindawo enengqiqo ukuqala xa uhlaziya umgaqo-nkqubo. Iqukethe isitatimende esibanzi esichazela ukunikezelwa kwengxelo. Kukho izinto ezintathu eziphambili ukujonga kwisivumelwano sokuqinisekisa.
Iyokuqala isingqinisiso sokuba umgcini-mali uya "hlawula egameni." Oku kuthetha ukuba umshwalense uya kuhlawula umonakalo ngaphambili kunokuba ahlawule imali.
Gwema nayiphi na i-sambule eqala ngegama elithi "siya kukuhlawulela." Oku kuthetha ukuba i-inshurensi yakho izakubuyisela iindleko kuphela emva kokuba uzihlawule ephaketheni lakho.
Okwesibini, i-sambuli kufuneka ibe neyokuqala inokubangela ( ukuvela okanye ukufunyanwa kwebango ) njengomgaqo-nkqubo wakho oyimfuneko ngokubanzi .
Ukuba umgaqo-nkqubo oyimfanelo oyintloko usetyenziswa kwisithuba, isambulela kufuneka sisebenzise nakwiimeko ezikhoyo. Ngokufanayo, kufuneka uthenge i-umbrella eyenziwe ngamabango ukuba umgaqo-nkqubo wakho oyintloko wokuzibophelela uxanduva olwenziweyo.
Okwesithathu, khangela ukuba i-umbrella ibandakanya ukugcinwa kwe-insured (SIR). I-SIR iyinani lemali (njengamaRandi ayi-10,000) omele uyihlawule ephaketheni ngalinye kwibango eligqitywa yi-sambulela kodwa kungekho yinshurensi yakho eyintloko. Ukuba kunokwenzeka, khetha umgaqo-nkqubo ngaphandle kwe-SIR.
Ngubani Ofihliweyo?
Umgaqo-nkqubo we-umbrella kufuneka uhlanganise bonke abantu kunye namacandelo achazwe "kwinqanaba eliqinisekisiwe" loxanduva lwenu jikelele kunye nemigaqo-nkqubo yokuzibophezela ngokwemoto . Eyona nto, iya kubonelela ngokubanzi kunemigaqo-siseko yakho.
Enye into ebalulekileyo ekufuneka ikhangele kuyo igalelo lokuzenzekelayo ngee-insureds ezongeziweyo . Oku kuphelisa isidingo sokongeza amaqela ngabanye kwisambulela sakho ngokuvumela . Ezinye iinkqubo zibandakanya iintlobo ezithile zee-insureds ezongezelelweyo ezifana nabanikazi bezindlu okanye abathengisi . Abanye bahlanganisa onke amaqela afakwe njengama-insureds angeziweyo phantsi kwemigaqo-nkqubo ephambili. Ezinye iibrawule zokukhawulela umyinge kumaqela adingekayo ukuba afakwe njengeziqinisekiso ezongezelelweyo phantsi kweemvumelwano ezibhalwe phantsi .
Khuselo
Icandelo lokukhusela lomgaqo-nkqubo kufuneka litsho ukuba i-inshurensi iya kuhlawula iindleko zokukhusela ngaphezu kokungekho ngaphakathi) umda womgaqo-nkqubo. Oku kubalulekile kuba iindleko zokukhusela ibango zingaba zikhulu. Ukuba ezi zindleko zinciphisa umda wakho we-inshurensi, unako ukufumana ubuncinane okanye akukho nkonzo ekhohliweyo ukuhlawula umonakalo.
Ezinye iibravu azichazi ngokucacileyo ukuba iindleko zokukhusela zihlawulwa ngokungezelelwe kumda. Kule meko, khangela ilahleko lokugqibela lokulahlekelwa kwemali . Isivumelwano esiqinisekisayo singathi umgcini-mali uya kuhlawula ilahleko yokuphela kwenetha egameni le-insured. Ukuba umgaqo-nkqubo uqulethe eli gama, jonga intsikelelo yalo kwinqanaba leenkcazo. Qinisekisa ukuba ukulahleka kwe-net elipheleleyo akubandakanyi iindleko zokukhusela.
Ezingabikho
Ukuba uthenge i- inshorensi yemfanelo kunye ne- inshorensi yemboleko yemoto , i-umbrella yakho kufuneka ifake le ngxelo.
Qinisekisa ukuba ayifakiwe.
Xa uvavanya ingqungquthela, qiniseka ukubuza ukuba zeziphi iimvume kunye nokungahlawulwanga kwindishurensi eyongezelelweyo kumgaqo-nkqubo. Qaphela ukuba i-ambulera ingabandakanywa ilahleko ezithile ezigqitywe ngumgaqo-siseko. Ngokomzekelo, ezininzi iimbambulu zingabandakanyi umonakalo wepropati ekugcinweni okanye ukulawula, kuquka umonakalo kwindawo oqeshisayo . Ngokufanayo, ininzi isambulela ngaphandle kwezibophelelo ezibekwa kuwe phantsi kwe- motorist uninsured okanye umgaqo-myalelo we-auto-fault .
Iimeko
Iibrawule ezininzi zinamalungiselelo kwiCandelo leMigqaliselo enesihloko esithi Ukugcinwa kwe-Inshorensi ephantsi. Eli gatya lifuna ukuba ugcine yonke imigaqo-nkqubo ephambili eyasebenza xa uthenge isambulela. Ukuba ukhansela okanye ungayivuselela umgaqo-nkqubo oyintloko, kufuneka uxelele ngokukhawuleza i-umbrella wakho.
Ekugqibeleni, intsimi yokufihla kwi-ambulula kufuneka ibe ngokubanzi kunokuba yimiqathango yakho yemigaqo-siseko. Uninzi lwezimbululwazi zibandakanya iziganeko kunye neengozi ezenzeka naphina kwihlabathi.