Izixhobo zontengiso zihluke kwiintlobo ezininzi zepropati enepropati apho ihamba. Ngokungafaniyo, zithi, isakhiwo okanye izakhiwo zeofisi, izixhobo zesikontrakthi azihlali kwindawo yakho. Isuswa kwenye indawo yomsebenzi ukuya kwenye.
Izixhobo zonxibelelwano zingonakaliswa ziziintlobo ezahlukeneyo zeengozi. Ezi zibandakanya umbane, ukusila komhlaba , izikhukula , kunye nesichotho . Ezinye izixhobo zokusebenza zingabaluleka ngokukhethekileyo. Ukuba unobungozi okanye utshatyalaliswe, izinto ezinjalo zingabiza ukulungisa okanye ukuthatha indawo.
Ayingaboniswa yiMigaqo-nkqubo yePropati
Umgaqo- nkqubo womhlaba wezorhwebo wenzelwe ukufihla impahla echanekileyo kwindawo yakho yezoshishino. Ikhupha impahla yakho yoshishino, kuquka izixhobo kunye nomatshini, ezikuloo ndawo okanye kwindawo emfutshane (ezifana neenyawo eziyi-100). Ayigubungele izixhobo, izixhobo okanye enye indawo ephantsi kwendawo yakho. Unokukhusela ishishini lakho ngokuchasene nezixhobo zokulahlekelwa ngokuthengwa kwezixhobo zokusebenza .
Uluhlu lweZibonelelo
I-contractor equipment coverage isoloko ibizwa ngokuba yi "float" kuba idibanise ukukhupha impahla ehambayo. Ingabhalwa yedwa, yongezwe kumgaqo-nkqubo wepropati, okanye idibaniswe nezinye izibonelelo phantsi komgaqo-nkqubo.
Abaninzi bango-inshurensi banikezela ngokukhawuleza kwezixhobo zokuqulunqa izixhobo ngokusebenzisa iifom zomgaqo-nkqubo zangaphambili ezipapashwe ngu- ISO okanye i-AAIS (inhlangano yelungu le-inshorensi efana ne-ISO). Abanye abaqinisekisayo baye baqulunqa iifom zabo zomgaqo-nkqubo.
Ibhentshi okanye Umlinganiselo oCwangcisiweyo
Iifom zezixhobo zokunxibelelana zinokubonelela ngeengxelo ezicwangcisiweyo, ukukhutshwa kwengubo, okanye ukudibanisa ezimbini.
Ukukhutshwa okucwangcisiweyo kusebenza kuphela kwizinto ezidweliswe kwishedyuli. Uluhlu lwepropati ehlanganisiweyo lunokuqhotyoshelwe kumgaqo-nkqubo okanye "kwifayili" kunye ne-inshurensi. "Kwifayili" kuthetha ukuba umgcini wakho womshuwalense ugcina uluhlu lwezinto ezigqityiweyo ngokusekelwe kwingcaciso oyinikezile.
Xa i-inshorensi isebenza kwi-blanket, umgaqo-nkqubo uhlanganisa zonke izinto ezidibana nencazelo "yepropati ehlanganisiweyo". Ezi zinto zixutyushwa ukuba okanye zingabhalwanga kwishedyuli.
Abaninzi bango-inshurensi banikezela ukudibanisa kwenkqubo yokucwangciswa kunye neengubo. Xa uthengi umgaqo-nkqubo, unika umgcini-mali wakho uluhlu lwezixhobo kunye nezixhobo ofuna ukuziqinisekisa. Uluhlu luquka ukuzenzela, imodeli, inombolo ye-serial, kunye nenani lempahla nganye. Ukongeza kwizinto ezicwangcisiweyo, umgaqo-nkqubo ungabhawula izinto ezingabhalwanga phantsi komda othile.
Ixabiso kunye noQoqosho
Umgaqo-nkqubo wezikontrakthi zomgaqo-nkqubo unakho ukuhlawula ilahleko ngokusekelwe kwiixabiso ezimbini: ixabiso langempela lemali yepropati ewonakalisiweyo, okanye iindleko okanye ukulungiswa okanye ukuyibuyisela. Ubungakanani obusekelwe kwiindleko ezithatha indawo zenza ngcono, kodwa zibiza ixabiso, ukhuseleko kunokuba luncedo olusekelwe kwixabiso langempela lemali.
Imigaqo-nkqubo emininzi ibandakanya isigatya se-coinsurance . Abanye abatshorensi baya kukhankanya eli gatya xa uthengela ukuhlawula ngokubaluleka okuvunyelweneyo .
Iipilisi
Uninzi lwemigaqo-nkqubo yesikontraki yonakalisa umonakalo kwipropati ekhushulwa yi-insured ebanzi ininzi yeengozi, kuquka ukukhukula nokuzamazama komhlaba . Iinkqubo ngokubanzi zibandakanya "zonke iingozi," oku kuthetha ukuba zonke iingozi azibandakanyi ngokuthe ngqo. Imigaqo-nkqubo eninzi ayifaki iingozi ezilandelayo:
- Ingozi ye nyukliya
- IMfazwe
- IZenzo ngegunya lombutho
- Izenzo zobugebengu ezenziwa nguwe okanye umqeshwa
- Ukubola, i- fungus , i-rust, ukuphazamiseka kwemishini, ukulimala kombane, kunye nokugqabhuka. Nangona kunjalo, ilahleko elandelayo nge-insil ye-insil ingafakwa.
Deductible
Phantse yonke imigaqo-nkqubo yemigaqo-kontraki ibandakanya i- deductible esebenzayo kwilahleko nganye. I-deductible ingaba yipropati yedola yexabiso okanye ipesenti yexabiso lezinto ezilimele.
Izixhobo zonkontileka ziphantsi kobusela. Oku kuyinyani ngokukodwa kwizixhobo ezinzima, ezihlala zihlala kumasayithi omsebenzi de iiprojekthi zigqityiwe.
Abanye abaqinisekisayo baya kunqumla yonke into okanye inxalenye ye-deductible emva kokulahlekelwa kwebabi ukuba into ebiwe ifakwe kwisixhobo se-GPS okanye ibhaliswe kwiRejista yeSizwe yoLwazi.
Izixhobo eziqeshisiweyo
Njengeenkontrakthi ezininzi, unokuqeshisa izixhobo kumnye umntu. Isiqeshiso sokuqeshisa izixhobo ngokuqhelekileyo sikwenza wena, umqeshi, uxanduva lokulimala kwisixhobo esenzeka ngexesha lokuqeshisa. Ngenhlanhla, ezininzi iinkqubo zezixhobo zesikontrakthi zibandakanya ukuhanjiswa kwezixhobo oziqeshisayo kwabanye.
Unokuba nezixhobo oziqeshisela abanye. Ezinye iifom zezixhobo zesikontrakthi zibandakanya umonakalo owenzekayo xa izixhobo zakho ziqeshwe kwelinye iqela. Ukuba uqeshisa ipropati kwabanye, qinisekisa ukuba umgaqo-nkqubo uquka le ngxelo.
IiNgcaciso ezongezelelweyo
Uninzi lwemigaqo-nkqubo yeekontraki ziquka iinkonzo okanye izandiso ezingakhange zibhekiswe ngasentla. Ezinye zezi zidweliswe ngezantsi. Ngamnye ungaphantsi kwemida ekhethekileyo okanye izithintelo.
- Isakhiwo esithengiweyo esitsha
- Izixhobo zabasebenzi
- Iindleko zokuqeshisa eziqhubekayo xa izixhobo ezilinakalisayo zingasetyenziswa
- Ucoceko lokucoceka
- Imirhumo yenkonzo yesebe yomlilo kunye neendleko zokuzalisa izixhobo
- Ukulahleka kwemali . Le ngxelo ingafumaneka nge -endorsement .