UkuLawulwa koBungozi kunye nokuLawulwa kwePropati
Uninzi lwezigqeba ezibandakanyiweyo "ukuphakamisa" ukulungiswa kwezilungiso zoXanduva lokuLawulwa kweBhodi kunye nokuPhathwa kweMpahla (uMgangatho A).
Ukulimala kwiindawo eziqeshwe kuwe
Umgaqo-nkqubo wokumisela umgangatho uquka amabango aphuma kumonakalo womlilo kwindawo oqeshisayo . Ikwabandakanya umonakalo ngengozi ngaphandle komlilo kwizinto eziqingqiweyo oqeshisayo ngexesha elifutshane. Uninzi olwandisiweyo "ukuphakamisa" ukuvumela luquka umda ophezulu (njengama-$ 300,000) ngaphezu kwe-$ 50,000 okanye umyinge we-100 000 wemida ngokuqhelekileyo olungiselelwe le ngxelo. Abanye banomonakalo wokulimala komlilo ukubandakanya umonakalo ngombane, ukuqhuma, umsi okanye ukuvuza okuvela kwiinkqubo zokukhusela umlilo ngokuzenzekelayo.
Izixhobo zamanzi
Umgaqo-nkqubo wokumisela umgangatho uquka amabango avela ekusebenziseni iimveliso zamanzi ezingekho ngaphantsi kweenyawo ezingaphantsi kwamamitha angama-26 ubude. Uninzi lweemvume lwandise le ngxelo ngokukhuphula ubude ukuya kuma-50 okanye kwii-75.
UkuPhathwa kweMizi
Amaninzi amabango avela ekusebenziseni iinqwelo-moya ayabandakanywa phantsi komgaqo-nkqubo ojongene noxanduva. Nangona kunjalo, ezinye "ukwandisa" izibonelelo zongeza i-exception kwi -aircraft ngaphandle kwezibango ezivela ekusebenziseni iinqwelo ezidibeneyo kunye nabasebenzi.
Ezinye iziphakamiso zifuna ukuba abasebenzi bahlawulwe, bathetha ukuba abayikuyihlola inqwelo mahala.
Ukulindela okanye ukuLawulwa koMsebenzi
Imigaqo-nkqubo yokuzibophelela ingabandakanyi ukulimala komzimba okanye umonakalo wepropathi okulindelwe okanye ojoliswe kumbono wokhuseleko. Nangona kunjalo, ukukhutshwa kuqulethwe ngaphandle.
Umlinganiselo unikezelwa ngengozi yomzimba ephumela ekusebenziseni amandla okukhusela abantu okanye impahla. Uninzi lweemvume lwandisa lo mzekelo ukubandakanya umonakalo wepropathi.
Ubuntu kunye noKhuseleko lokuThengisa
Uninzi "ukuhanjiswa kwandiswa" ukuvumela ukuba kube lula, ukuba kukho, utshintsho kwi- Personal and Advertising Injury (Umgangatho B ). Nangona kunjalo, abanye bahlinzeka ngekharityhulam yokuxhomekeka kwemvumelwano ngokususa ukukhutshwa kwekhontrakthi efunyenwe phantsi kweSiqendu B. Ngaphezu koko, ezinye izinto ziyavuma ukwandisa inkcazo yegama lomntu kunye nokulimala kwintengiso ukubandakanya enye okanye ngaphezulu kwezi ziphoso ezilandelayo:
- ukusetyenziswa kakubi kweenkqubo (ngokubambisana nokutshutshiswa kwenkohlakalo)
- ukucalulwa okungahambelani nomsebenzi
- ukuthotywa okungahambelani nomsebenzi
- ukukhathazeka kwengqondo, ukulimala kwengqondo, okanye ukutshitshiswa okubangelwa kwelinye icala
IiNtlawulo zonyango
Uninzi lwamanyathelo okunyuswa kwamatyala alungisa ukulungiswa kwezoNyango zokuhlawula iintlawulo ezibandakanya omnye okanye zombini kwezi zinto zilandelayo:
- Ukuphakama okuphakamileyo Uninzi lweemvume lwandise umda olinganiselweyo weentlawulo zonyango (ngokuqhelekileyo i-$ 5,000) ukuya ku-R10 000 okanye ngaphezulu.
- ImiSebenzi yokuThathela Abanye ukuvunyelwa okanye ukunciphisa "imisebenzi yezemidlalo" ukukhutshwa ngaphandle kokufunyanwa phantsi kweentlawulo zonyango.
Ngubani Okhuseleko
Inani leengxelo ezibandakanyiweyo phantsi kwe "ukwandisa" iziphakamiso zecandelo elinesihloko esithi Who Who Insured.
Imibutho entsha okanye efunyenweyo
Umgaqo-mgangatho wemfanelo oqhelekileyo unikezela ngokukhawuleza kweentsuku ezingama-30 kwanoma yiphina inhlangano (ngaphandle kobambiswano, iqumrhu elidibeneyo okanye iqumrhu elijongene nemfanelo) wena ( obizwa nge-insured) ufumana okanye ifom ngexesha lepolisi, ukuba inkampani yakho inayo ubuncinane ama-51 ekhulwini . Abaninzi batshorensi baya kwandisa ixesha lokufikelela kwi-60, 90, 120, okanye kwiintsuku eziyi-180.
IiNkcazo zongezelelweyo
Iimbopheleleko ezininzi "ukuhanjiswa kwandiswa" ukuvumela ngokuzenzekelayo amaqela athile njengabanini-mali abongezelelweyo . Ngokuqhelekileyo, amaqela anjalo ahlanganiswa kuphela xa uvumelene, kwisivumelwano esibhaliweyo, ukuba uzibandakanye kumgaqo-nkqubo wakho njengabanini-mali abongezelelweyo .
Nangona amaqela afakwe njengama-insureds angeziweyo, ahlukeneyo afaka enye okanye ngaphezulu kwezi zilandelayo:
- Abaphathi okanye Izifundo zeZakhiwo: Ukhupha umninikhaya okanye umphathi wepropati oqeshisile.
- Abanikazi, iiLeses okanye abakontrakta: Ukhupha abanikazi bepropati (okanye ii-lessees) okanye iikontrakthi eziqhelekileyo eziqeshwe ukuba wenze uhlobo oluthile lomsebenzi.
- Abathengisi: Bavala abadayisi beemveliso ezenziwe nguwe.
- Abafundi beZibonelelo: Baqeshisa abanikazi bezixhobo oqeshwe okanye oqeshwe ukusebenzisa kwi shishini lakho.
- Urhulumente okanye ulwahlulo lwezopolitiko : Uququzelela iinkampani karhulumente kufuneka uqinisekise ukuba ufumane imvume yokumisela uphawu, ubambe isiganeko okanye wenze umsebenzi othile kwipropati yoluntu.
- I-Blanket Ukubhaliweyo: Catch-zonke iilwimi ezibandakanya nayiphi na inxaxheba ekufunwa yi-khontrakthi ukuqinisekisa.
Igama elongezelelweyo le-insured lingaba neengxowa ezinzima ukuzibona. Ngokomzekelo, ezinye iivumelwano zivuma ukuba xa i-insured eyongezelelweyo ihlawuliswa, umgcini-mali uya kuhlawula ngaphezu komda ochazwe kumgaqo-nkqubo okanye umda onyanzelekileyo kwisivumelwano, nokuba ngaphantsi ngaphantsi. Ezinye izimvume zihlanganisa i-insured eyongezelelweyo ngokwemfuneko engaphezulu (oko kuthetha ukuba umgaqo-nkqubo obongezelelweyo umshwalense uya kusebenza kuqala) ngaphandle kokuba isivumelwano sifuna ukuba simfihle ngasese. Ezinye iziphakamiso zibanzi, ukunika ingxelo yokubhengezwa kwinqanaba elongezelelweyo elingaphambili kunye negalelo, ukuba unyanzelekile ngesivumelwano ukuba unikezele ngokukhawuleza ngaloo ndlela.
Ukulimala kwabasebenzi
Umgaqo-nkqubo wokumisela umgangatho uqulethe umbandela odla ngokubhekiswa kuwo njengomsebenzi wokungabikho komsebenzi . Ukukhutshwa kwalolu hlobo kuphelisa ukukhutshwa kwamabango ngomqeshwa omnye kumnye. Ezinye iziphakamiso ezongezelelweyo zokusasazwa zisusa ukukhutshwa ngokupheleleyo. Abanye baya kuhlengahlengisa ukukhutshwa ngaphandle ke ngoko akusebenzi kubasebenzi bakho bokuphatha okanye abaphathi malunga nezenzo abazenzayo njengomqeshwa wekampani yakho.
Ukungasebenzi
Inkcazo yezokwelapha ezingasetyenziswayo ngokuqhelekileyo isebenza kubongikazi, ochwepheshe bezonyango, okanye iiproedics eziqeshwe ngeshishini lakho. Isebenza njengengxelo yokugcinwa kwenkxaso yezobugqirha. Akujoliswe ukuba ibe ngumthombo wabo oyintloko wokubambisa iimbopheleleko. Ukukhutshwa kwezinto ezingekho phantsi kwezokwelapha akusebenziyo xa useshishini lokubonelela ngeenkonzo zonyango.
Izimo zeMigaqo
Ezi zilandelayo ziquka ukuguqulwa kweemeko ezithile zomgaqo-nkqubo .
Ibhentshi Inkcazo yoNgcoliseko
Eli lungiselelo lilungisa isigatya esithathwe phantsi kwesigxina esitholakalayo kwiimeko eziyimfanelo. Isebenza ngokugqithiseleyo xa uvumelekile, nge-mkontrakthi ebhaliweyo, ukunika amalungelo akho ukutshutshisa umhlobo webhishini. Eli qela lingaba umnini-mhlaba, okanye inkampani owenzayo uhlobo oluthile lomsebenzi. Isigatshana sichaza ukuba xa ususile ilungelo lakho lokumangalela elo qela, umgcini-mali uyawuyeka ilungelo lakhe lokumangalela elo qela ngokunjalo.
Ulwazi kunye neSaziso soMvelaphi weNkunkuma
Umgaqo-nkqubo wokumisela umgangatho kufuneka ukuba uxelele umgcini wakho womshuwalense ngokukhawuleza (okunokwenzeka) kwanoma yiyiphi into eyenzekayo okanye icala elingabangela ibango. Eli gatya linokuba yingxaki xa kwenzeka isiganeko, kwaye umqeshwa uyazi, kodwa akakwazi ukukwazisa. Kucacile ukuba awukwazi ukubika isiganeko sakho kumshuwalense ukuba awukwazi ukuba kwenzekile.
"Isaziso kunye nolwazi lwesiganeko" igama lithetha ukuba unyanzelekile ukuba uxelele umkhuseli-mali okanye ulwaphulo-mthetho kuphela xa kulwaziwa kwiinqununu ezithile zeenkampani. Ezi zibandakanya wena, ukuba ishishini lakho lilodwa lenkampani, iqabane lakho, ukuba ishishini lakho libambiswano, okanye umphathi wengozi kwenkampani yakho.
Ukungaphumeleli kokungabikho kokuzikhethela ukutyhila izingozi
Abafake izicelo ze-inshorensi ngokubanzi kulindeleke ukuba baphendule imibuzo yokwenza isicelo ngokunyanisekileyo ukuze umgcini-mali angakwazi ukuvavanya ingozi yomfaki sicelo. Ukuba umgcini-inshurensi ufunda ukuba umfaki-sicelo unamanga okanye ufihlile ngenjongo yolwazi olubalulekileyo malunga neengozi zenkampani kwisicelo, umgcini-mali uya kukhupha umgaqo-nkqubo okanye angakufuni ukufaka ibango.
Nangona kunjalo, abaninzi batshorensi baya kwongeza "ukungaphumeleli ngokungenasenzo ukudalula izingozi" amagama kumgaqo-nkqubo. Ngaloo mazwi, umshwalense uthembisa ukuba akayi kuhlawulwa i-insured ngenjongo yokungaphumeleli ngokungazenzisiyo ukuveza iingozi ezenzeka ekuqaleni kwexesha lomgaqo-nkqubo. Umshuwalense kufuneka abike ingozi kumshuwalense kungekudala xa efumanisa impazamo.
Iinkcazo zemigaqo
Oku kulandelwayo okulandelayo kunikwa ngokulungiswa kwengcaciso yomgaqo-nkqubo.
Ukulimala komzimba
Uninzi "ukwandisa" ukuvumela ukwandisa intsingiselo yokulimala komzimba , njengoko eli gama lichazwe kumgaqo-nkqubo we- ISO . Ukwandiswa okuqhelekileyo kukunyusa ukukhathazeka kwengqondo njengobungozi obukhuselekileyo. Nangona kunjalo, ezinye iziphakamiso ziquka enye okanye ngaphezulu kwezi zinto zilandelayo:
- ukulimala kwengqondo
- tshutshiswa
- soyika
- ukuthotywa
- ukukhubazeka
Ukulimala kwengqondo ngokubanzi kubhekiswe kuphela xa kubangelwa ukulimala, ukugula okanye izifo.