Uxanduva lokuzimela ngokuzenzekelayo - Yintoni engafihliweyo?

Ukhuseleko lwezithuthi zorhwebo olukhuselekileyo lukhusela inkampani yakho kumabango ngamagumbi esithathu afuna umvuzo wokulimala komzimba okanye umonakalo wepropathi ogcina ingozi yemoto. Njengoko zininzi iintlobo ze-inshorensi, ukukhutshwa kwembopheleleko yemoto kuxhomekeke kwii- exclusions . Iingenakunokuthi zingagqithisa ukukhutshwa kweengozi ezingenakunceda okanye ezifakwe ezinye iindidi zemigaqo-nkqubo. Ezinye izibhengezo zithintela umngcipheko othile kodwa zize zongeze ezinye zeendlela zokungena ngeendlela zokungabikho.

Iziphumo ezilandelayo zifunyanwe phantsi koxanduva lokubambisa kwi-policy auto.

Ukulindela okanye ukuLawulwa koMsebenzi

I-inshorensi yemfanelo ye-Auto ayifaki ukulimala komzimba okanye umonakalo wepropathi okulindelwe okanye ojoliswe kumbono wokhuseleko. Oku kubandakanywa ngokuqhelekileyo ukuba umntu okhuseliweyo ogqityiweyo kwibango okanye i-suit ngokubangela ukulimala okanye ukulimala kumntu wesithathu ngengozi yemoto. Ngokomzekelo, uphawula esinye isithuthi ngendlela ehambelana nomsindo ngokukrakra omnye umqhubi. Ukuba umqhubi uyalimala kwaye uyakubuza ngenxa yokulimala komzimba, ibango lingafunyanwa.

Ubume beMvumelwano

Uxanduva oluthatha phantsi kwekhontrakthi alufaki. Nangona kunjalo, ukubonelelwa ngeenkonzo kunikezelwa uxanduva oluya kuthathwa phantsi kwekhontrakthi eqinisekisiwe njengoko eli gama lichazwe kumgaqo-nkqubo.

Abasebenzi beMbuyekezo

Umgaqo-nkqubo wakho wezemoto awuyi kuhlawulela inzuzo onyanzelekile ukuba uyihlawule phantsi kwembuyekezo yabasebenzi, ukukhubazeka okanye umthetho wokuhlawulela umsebenzi.

Ezi ntlawulo kufuneka zinikezelwe ngumgaqo- nkqubo wokubuyisela, umgaqo-nkqubo wokukhubazeka okanye inkqubo karhulumente.

Xanduva lomqeshi

Umgaqo-nkqubo wakho wecala ungabandakanyi amabango akho (umqeshi) ngabasebenzi abalimele. Amabango anjalo afunyanwe ngabaxhamli bemfanelo . Ukukhutshwa kuqulethe ezimbini.

Owokuqala unikezela ngokubhengezwa kwamabango ngabasebenzi basekhaya abalimele abangenakufumana izibonelelo zokuhlawulela abasebenzi. Ukwahlula okwesibini kunikezela ukuxhamla kwimbopheleleko oye wacinga phantsi kwekhontrakthi ekhuseliweyo ngenxa yezibango ezibangelwa kukulimala kwabasebenzi bakho.

Nangona abasebenzi abalimalayo bevinjelwe yimithetho yombuso ekuxosheni umqeshi wabo, ngokuqhelekileyo bavumelekile ukuba bagxeke omnye umntu onokuba noxanduva lokulimala kwabo. Ngokomzekelo, sithi umqeshwa we-subcontractor ulimele kwingozi yemoto kwindawo yomsebenzi. Umqeshwa uthabatha inkontileka jikelele ngokunganakwa . Iikontraki zikarhulumente azifuni ukuthethwa ngabasebenzi abalimele bezontrakta. Ngaloo ndlela, iikhontrakthi zokwakha zidla ukuba zidinga abaphantsi kwamatyala ukuba bathathe uxanduva lweebango ezibhekiselele kwi-GC ephakanyiswa kukulimala kwabasebenzi be-subcontractors. I-exceptional responsibility responsibility exceptioned above is providing coverage for this assumption of responsibility.

Ukulimala kwabasebenzi

Oku kubandakanywa kubandakanyeka ukukhutshwa kwebango ngumqeshwa omnye kunye nomnye ngenxa yengozi eqhubekayo emsebenzini. Ukukhutshwa kusebenza injongo efanayo nomsebenzi wabasebenzi abangabandakanyiyo kwi- policy of responsibility .

Ukunyamekela, ukuGcina okanye ukuLawula

Oku kubandakanywa kukuphelisa umonakalo kwisithuthi esinawo okanye esesandleni sakho (njengemoto yokuqashisa ).

Unokuzikhusela ngokulahlekelwa ngumzimba kwi-autos okanye uqeshe ngokuthenga umonakalo owenziwe ngomonakalo. "Ukunyamekelwa, ukugcinwa, nokulawula" ukukhutshwa kuzo kusebenza kumonakalo kwipropati ehanjiswayo okanye kwi-auto. Unokuqinisekisa ipropati othutha kwisithuthi ngokuthenga i-inshurensi yokuhamba.

Ukuphathwa kwePropati

Njengomgaqo oqhelekileyo, imigaqo-nkqubo yemoto igubungela ukulimala komzimba okanye umonakalo wepropati owenzeka kwikota yokulayisha okanye ukulayishwa kwepropati kwi-auto. Ngokomzekelo, uthengisa iqela elikhulu leplywood kwivenkile ye-hardware ukuyisebenzisa kwi shishini lakho. Wena kunye nomsebenzi wesitolo ulayisha i-plywood kwiloli yakho xa ulahleka ngenye indlela ekupheleni kwayo. I-plywood iwela phezu kwonyawo lomsebenzi, utyhoboza inzwane yakhe. Ukuba umqeshwa ufuna ukuhlawulwa kwenkampani yakho ngenxa yokulimala kwakhe, ibango lakhe kufuneka lifakwe ngumgaqo-nkqubo wakho wemoto.

Ukukhutshwa kwecala lokuzibophezela ngokuzenzekelayo akusebenzi kwingozi okanye umonakalo owenzeka ngaphambi kokuba uqale ukulayisha impahla kwi-auto okanye emva kokuba ipropati ilayishiwe. Xa ipropati ithathwa ngokuthi "ilayishiwe" okanye "ilayishiwe" ingahluka ukusuka kummandla ukuya kwimeko. Izingozi eziwela "ekuphathweni kwepropati" ekukhutshweni kwenkqubo yakho yomgaqo-nkqubo ngokuzenzekelayo ziyakucetyiswa ngumgaqo-nkqubo wakho wokuzibophelela. Ngaloo ndlela, kubalulekile ukuba neentlobo zombini zengxelo.

Ukuhamba kweZakhiwo

Umgaqo-nkqubo wakho wemizi ayiyi kubuya umonakalo okanye umonakalo ophumela ekuhambeni kwepropati kwisixhobo esicwangcisiweyo (ngaphandle kweloli yesandla) ngaphandle kokuba isixhobo siqhotyoshelweyo kwi-auto. Umzekelo, umqeshwa wakho uhambisa iikhonkrithi zekhonkrithi kwisiza somsebenzi. Umqeshwa wakho usebenzisa i-forklift ukukhulula iibhegi xa ehlawule umthwalo umthwalo, ukulimaza ummeli. Ilungu elenzakalisiweyo liyakwenza ukuba unobungozi bomzimba. I-suit ayifakwanga ngumgaqo-nkqubo wakho wezemoto kuba i-forklift yayingathinxiwe kwiloli lakho. Esi sithuba kunokuba sijongwe ngumgaqo-nkqubo wakho wemfanelo.

Ukusetyenziswa kweeMpahla zoLuntu

Izibango ezivela ekusebenziseni izixhobo eziphathekayo azihlanganiswa nomgaqo-nkqubo wentengiso. Ukugcinwa kwezixhobo zezixhobo eziphathekayo kunikezelwa ngumgaqo-nkqubo wokuzibophelela.

Imisebenzi egqityiweyo

Umgaqo-nkqubo wakho wezemoto awuyi kubhala iibango ezibhekiselele kwingozi okanye umonakalo ophumela emsebenzini owugqibileyo. Amabango anjalo angagcinwa ngumgaqo-nkqubo wesikhundla sakho jikelele phantsi kweemveliso-ezigqityiweyo zengxelo.

Ngco liseko

Ubunjineli yemfanelo yomshuwalense iqulethe ukungcola okukhulu .

Imfazwe, iMarike

Izibango ezivela kwimfazwe okanye kwimisebenzi yokugijima zingabandakanywa. Imigaqo-nkqubo ye-Auto ayijoliswanga ukujongana nemingcipheko enjalo.