Umzekelo
Unayo iParamount Produce, umthengisi ngokubanzi wezityalo kunye nemifuno. Uvele uthenge iloli enkulu enenjongo yokuyisebenzisa ukuthunyelwa kwemveliso.
Iloli lineminyaka engama-25 ubudala kodwa inenjini entsha. Kwakhona i-brakes entsha, amathayi amatsha kunye nefowuni entsha yokuphakamisa.
Ubeke imali eninzi kwiloli kwaye ufuna ukukhusela utyalo-mali. Uqhagamshelana nommeli wakho we- inshurensi uze umcele ukuba afake iloli kwipolisi yakho yokuthengisa . Utshela i-arhente yakho ukuba ufuna ukuqinisekisa iloli ngokuxanduva lokuzimela ngokuzenzekelayo , uhlahlo olubanzi kunye nokudibanisa.
I-ejenti yakho ifowuni ngosuku olulandelayo ngeendaba ezimbi. Umthuthi wakho wezimoto unqabile ukuqinisekisa ukuba isithuthi simonakalo . I- inshurensi inxamnye nexabiso leloli kunzima ukuvavanya ngokunikezelwa kwexesha lemoto kunye nophuculo olwenzileyo. Nangona kunjalo, i-inshurensi yakho ikunika imvume. Kuya kuqinisekisa iloli ngomonakalo emzimbeni ngokwexabiso elithile .
Inani eliqinisekisiweyo lokuVunywa
Isixa semali esicatshuweyo sinikezelwa xa ixabiso lesithuthi esiqinisekisiwe kunzima ukusungula.
Iilori (ngokukodwa imodeli endala) zihlala zihlanganiswa ngale ndlela. Iimoto ze-Antique nazo zigqitywa ngokwemali echazwe phantsi komgaqo-nkqubo wentengiso.
Isithuthi sigqityiweyo ngokwemali ekhankanywe ngokubhengezwa kwenkqubo yakho. Wena (umnini-mgaqo-nkqubo) unquma inani lezithuthi.
Eli xabiso lidweliswe ngokubhengezwa njengeNqununu yoMshuwalense. Isixa semali esicatshuweyo sixhomekeke kwi-deductible, ebhaliweyo kwisiqinisekiso esingaphantsi komda.
Isixa-mali esiqinisekisiweyo sokuchithwa siyachitshiyelwa iMida ye-Intshumo kumgaqo-nkqubo wentengiso. Xa kungabikho ukuvuma, ukukhutshwa komonakalo ngokomzimba akuxhomekeke kumda. Ukuba umbane okhuselekileyo ubonakaliswe ngengozi ekhuselekileyo umshwalima wakho uya kuhlawula iindleko zokulungisa okanye ukubuyisela indawo eyonakalisiweyo, okanye ixabiso lexabiso lemali eliphantsi kwepropati, nayiphi na into encinane.
Akukho Mqathango oqinisekisiwe
Njengoko kuchazwe ngasentla, ixabiso onikezela kwisithuthi sakho liba ngumda we-inshurensi kwiNkxaso-mali eBalisiweyo. Nangona kunjalo, imali oyifumanayo ngenxa yelahleko ingaba ngaphantsi kwexabiso elichaziweyo.
Ngaphantsi kweNkxaso yeMali eqinisekisiweyo, ininzi yakho yomshuwalense iya kuhlawula ilahleko kwiphina ingozi enye yile ilandelayo:
- Inani langempela lemali yepropati ewonakalisiweyo;
- Iindleko zokulungisa okanye ukubuyisela ipropati eyonakalisiweyo; okanye
- Umda we-inshurensi (isixa esicatshulwayo) ngokuvuma
Ngokomzekelo, cinga ukuba ubale ixabiso lelitori lakho lokuvelisa libe yi-$ 50,000. Usukele iloli ngaphantsi kwe-coverage epheleleyo kunye ne-$ 1,000 echithwe.
Ingqungquthela iyabhuqa edolophini ize ichithe iloli lakho. I-insurer yakho ichaza iloli ilahleko epheleleyo . Umshuwalense wakho unokugqiba ukuba izibalo zakho zexabiso leloli lichanekile. Ihlawulela i $ 49,000 (umyinge wama-$ 50,000 umncinci i-$ 1,000 ichithwe).
Ngaphandle koko, umgcini wakho womshuwalense unokugqiba ekubeni ixabiso elinikezwe iloli lakho liphezulu. I-insurer yakho inquma ukuba ixabiso langempela lemali yeloli lakho li-$ 35,000. Ekubeni ixabiso langempela lemali (i-$ 35,000) lingaphantsi komda we-inshurensi (i-$ 50,000), umshwalima wakho uhlawula kuphela i-$ 34,000 kuphela (i-$ 35,000 engaphantsi kwe-$ 1,000 echithwayo).
Uhluke kwixabiso elivunyelweneyo
Njengendlela yokuxabisa impahla, ixabiso elichazweyo lihluke kakhulu kwixabiso elivunyelweneyo . Xa ipropati ixabiswa ngokubaluleka kwexabiso elivunyelweneyo, wena kunye ne-inshurensi yakho iyavumelana ngokuxabisa kwipropati xa kuqwalaselwa.
Ukuba ipropati yonakaliswe okanye ichithekele, ilahleko ihlaziywa ngokusekelwe kwixabiso elivunyelweneyo. Xa ipropati exabisekileyo ngokwemali ebhaliweyo yonakaliswe, ilahleko ichitshiyelwe ngokusekelwe kwisixa esicacisiwe kuphela ukuba loo mali ingaphantsi kwexabiso lexabiso lemali okanye ixabiso okanye lilungiswe.
Isetshenziselwe ukuHlola iziPhulo
Umda we-Inshorensi odweliswe kwiNkcazo yokuBaliswa kweMali isetyenziswe ngokusisiseko kwiinjongo zokulinganisela . Ngokuqhelekileyo, iiprayimari ezihlawulwe ngokukhawuleza ukulimala kwilori zisekelwe kwiindleko zithuthi xa zitsha. Ngaphantsi kweNkxaso yeMali eqinisekileyo, i-premium isekelwe kwisamba esichaziweyo (umda we-inshurensi). Isixa esicacisiwe singabi ngaphantsi kweendleko ezintsha. Ngaloo ndlela, ukuvunyelwa kukukugcina imali kwiimali-mali zokulimala.
IiNzuzo zeNkxaso-mali
Abatshutshisi bachaza iindleko ezimbini zokubhengezwa kwemali kumnini-nkqubo. Enye iyakwazi ukulondolozwa kwimivuzo yokulimala emzimbeni. Inzuzo yesibini kukuba ukuvumela kukuvumela ukuba uqiniseke izithuthi ozilungisile ngokusekelwe kwixabiso. Ewe, oku kuyinzuzo kuphela xa ubalwa inani lezithuthi zakho ngokuchanekileyo.
Ukuxhaswa kwemali echanekileyo kunika inzuzo enkulu kwinkokhelo. Ukuba isithuthi senza ilahleko elipheleleyo i-insurer ayinyanzelekanga ukuhlawula umda we-inshorensi (ukuqikelela kwakho kwexabiso lezithuthi). Kunoko, i-inshurensi inokuhlawula ukuqikelelwa kwexabiso lexabiso lemali.