Indlela yokukhetha i-inshurensi efanelekileyo?

L 'i-inshurensi yindlela yokulawula umngcipheko. Xa uthenga i-inshurensi, udlulisela iindleko zelahleko enokubakho kwinkampani yeinshurensi ngokutshintshiselana ngentlawulo, ebizwa ngokuba yi-premium.

Iinkampani ze-inshurensi zityala imali ngokukhuselekileyo, ukuze zikhule kwaye zihlawule xa kukho ibango. I-inshurensi yobomi, i-inshurensi yemoto, i-inshurensi yekhaya... kuninzi ekufuneka kuqwalaselwe wonke umntu.

Ukukunceda ukuba uqalise, senze esi sikhokelo. Ukuthenga i-inshurensi lutyalo-mali olubalulekileyo kunye nawe uya kufuna ukutyala imali ngobulumko. Ungayifumana njani i-inshurensi yeshishini ilungele ishishini lakho? Nazi ezinye izinto ekufuneka uziqwalasele phambi kokuba wenze isigqibo sakho.

Okokuqala, amagama amabini aphathelele zonke iintlobo zeinshorensi, yaye oko kufanele kukhunjulwe. Kodwa ngaphambi kokuba uqale, nantsi indlela yokuphucula izinga lokuguqulwa kwivenkile yakho ye-intanethi.

🌿 Imiba engundoqo kwi-inshurensi

🔰 Prime

Ezi ziintlawulo zenyanga ozihlawulayo ukuze ufakwe kwi-inshorensi. Ngamanye amazwi, yindleko yokwenene umthengi kufuneka ahlawule ukuze afanelekele iinzuzo zepolisi.

Ngesiqhelo, iphezulu ipremiyamu, kokukhona ugubungela ngesisa. Kwezinye iimeko, nangona kunjalo, iinkampani zihlawulisa iipremiyamu eziphezulu xa zikrokrela ukuba kunokubakho umngcipheko ophezulu.

🔰 Franchise

Inxalenye ehlawulwe yi-inshorensi xa ibango lenzeka (ingozi, umlilo, njl.). Masithi i-deductible yi 1 000 $ nokuba umonakalo owenziweyo 60 000 $. Bona (umkhuseli) baya kuhlawula $ 59.

🌿 i-inshurensi yekhaya

I-inshurensi yekhaya luhlobo lwe-inshurensi ethi “ hlanganisana kwakhona » izinto ezahlukeneyo, kodwa ngamnye wahlukile. Ibandakanya i-inshurensi yekhaya, i-inshurensi yepropathi yomntu, ukulahlekelwa ngumsebenzi, uxanduva loluntu kunye nokhathalelo lwezonyango.

🔰 Ezezindlu

Iindleko inkampani ye-inshorensi iya kuyihlawula ukwakha ngokupheleleyo okanye ukutshintsha ipropati. Oko kukuthi, xa indlu ichithwa ngokupheleleyo ngenxa yesizathu esithile.

Ngokuqhelekileyo, le yimali enye ebolekwa yibhanki ukuze uhlawule imali-mboleko. Ngokomzekelo, ukuba wenza intlawulo kwangaphambili ye-10 yeedola ukuthenga indlu exabisa i-000 yeedola kwaye ibhanki ikuboleka i-250 yeedola, esi sisimbuku sendawo yokuhlala.

🔰 I-inshurensi yepropathi yomntu

Le nxalenye ye-inshurensi igubungela yonke ingaphakathi lendlu (ifenitshala, ubucwebe, izixhobo zasekhaya), kunye nenye ipropati eyayingeyonxalenye yolwakhiwo lokuqala, kodwa ibekwe ngaphakathi kwipropati. Ngokomzekelo, ucingo lwepatio.

🔰 Ilahleko yokusetyenziswa

Masithi kukho into eyenzekayo eyenza ukuba indlu yakho ingahlali ixesha elithile.

Ngelixa kusalungiswa, lo mba we-inshurensi yabaninimzi yimali enikwa umnini-polisi ukuze ahlale ehotele okanye kwezinye iindawo ezikudidi olufanayo naleyo bebehlala kuyo.

🔰 Intlawulo kunye noxanduva lonyango

Eli licandelo le-inshorensi yekhaya ehlawula iindleko zonyango zomntu ngaphakathi kwekhaya. Masithi umema umntu aze loo mntu awe.

Njengoko bekwipropati yakho, unoxanduva loku iindleko zabo zonyango. Oku kunokunxulumana, kodwa akufuneki kubhidaniswe, neli candelo lilandelayo.

Nangona kunjalo, ukuba umntu owele kwikhaya lakho akakwazi ukusebenza okanye ufuna utyando, " Inxalenye yaloo nto ziindleko zonyango, esele zigutyungelwe, kodwa ukuba bakumangalela ngenxa yokungakwazi ukusebenza, ngoko bahlawulelwa yenye inxalenye yetyala. ».

🌿 i-inshurensi yobomi

Abo bethu basuka eLatin America abayijongi njengento ebaluleke kangako, kodwa eUnited States olu hlobo lwe-inshurensi lunokuba luncedo kakhulu kwiimeko apho, umzekelo, ipropathi ikwigama lesibini esitshatileyo.

Ukuba omnye wabo uyafa, omnye unokuqhubeka ehlawula, nokuba ulahlekelwe ngumvuzo njengentsapho.

Kukho iintlobo ngeentlobo zeinshorensi yobomi. Kodwa kukho iindidi ezimbini eziphambili-ixesha kunye ne-inshurensi yobomi bonke. Wonke umntu uneyakhe izinto eziluncedo nezingeloncedo.

🔰 ubude

Le migaqo-nkqubo yeyexesha elimiselweyo. Isenokuba yiminyaka eli-10, engama-20 okanye engama-30. Ixabiso eliphantsi. ungachukumisa $250 okanye $000 isibini, kwaye uhlawule $ 35 ukuya kwi- $ 40 ngenyanga, umzekelo.

Emva kokuba eli xesha lidlulile (ixesha), kucingelwa ukuba akukho kufa ngelishwa, ipolisi iyaphelelwa, ngaphandle kokuba unqwenela ukuyihlaziya.

🔰 I-inshurensi yobomi bonke

Ibiza kakhulu, kodwa ihlala isebenza de umntu abhubhe. I-advanteji kukuba uyazi ukuba uya kuyifumana le mali.

I-disadvantage kukuba, ukuba umntu uhlala iminyaka emininzi, kuyenzeka ukuba ekugqibeleni abhatale ngaphezulu kwizavenge zenyanga ngaphezu kokuba usapho luya kuzifumana ngexesha lokusweleka kwakhe.

🌿 i-inshurensi yemoto

Kukho iindidi ezimbini eziphambili ze-inshurensi yemoto. Eyokuqala inyanzelekile kwaye igubungela wonke umonakalo onokuwenza kwabanye emva kwengozi okanye ukungasebenzi kakuhle kwesithuthi sakho.

La okwesibini kukuzikhethela, kwaye kukukhusela imoto yakho kwezinye iintlobo zeziganeko.

🔰 I-inshurensi yetyala lemoto

Kunyanzelekile phantse kuwo onke amazwe aseMelika. Inamacandelo amabini: elinye eligubungela umonakalo owenziwe kwabanye (ukwenzakala emzimbeni) kunye nolunye olugubungela umonakalo owenziwe kwizinto zabanye.

Awukwazi ukuqhuba ngomngcipheko wokwenzakalisa omnye umntu, kwaye loo mntu ugqiba nge-bill yezonyango ngaphandle kwendlela yokuyihlawula.

🔰 Imingcipheko emininzi kunye noKungqubana

Njenge-inshurensi yasekhaya, yi " ulwaphulo-mthetho »iinxalenye ezimbini. Ukungqubana kubhekiselele kumonakalo owenziwe kwimoto yakho xa kukho ingozi.

Ukugqibelela yiyo nantoni na engeyongozi, efana nomlilo, ubusela okanye izikhukula. Olu luhlobo lwe-inshorensi efunekayo xa imoto yakho ixhaswa ngemali yibhanki okanye umthengisi ogunyazisiweyo.

Njengezinye iintlobo zemigaqo-nkqubo, badla ngokuba ne-deductible. Ngamanye amazwi, yinxalenye ekufuneka i-inshorensi ihlawule, nokuba unoxanduva okanye akunjalo, ukuvala umonakalo owenziwe kwimoto yakhe.

🌿 Iingcebiso ezisi-7 zokufumana i-inshorensi efanelekileyo

🔰 Thelekisa amaxabiso

Kukho iinkampani ezininzi ze-inshurensi kunye iintlobo ngeentlobo zeinshorensi. Ukuba ufuna ingcaciso, unokucinga ngokusebenza ne-arhente (ethengisa i-inshurensi yenkampani enye) okanye nge-inshurensi ye-inshurensi (emele iinkampani ezininzi ze-inshurensi) endaweni 'yokuthenga ngokuthe ngqo kwi-intanethi.

🔰 Thenga kuphela i-inshurensi yokugcina umgangatho wakho wokuphila ngoku

Awuyidingi i-inshurensi yeziganeko ezingayi kubeka uxinzelelo kwiimali zakho. Qala ngeemfuno zakho ezisisiseko (ikhaya, imoto, ishishini), emva koko udibanise ezinye iimfuno (i-cyber, ityala lobuchwephesha).

Ungasoloko wongeza ukhuseleko emva kwento ukuba utshintsha ingqondo yakho. Ungawunciphisa umngcipheko kwaye ukwandise ukonga kwakho ngokuthenga i-inshurensi elungiselelwe iimfuno zakho namhlanje.

🔰 Buza umqeshi wakho we-inshurensi ukuba ipolisi ayikhuphi na

Ipolisi ye-inshorensi nganye idwelisa imingcipheko engafunyaniswanga, ebizwa ngokuba “ ngaphandle ". Cela umrhwebi wakho ukuba akuchazele izinto ezishiyiweyo kwipolisi yakho ngaphambili, nto leyo eya kukugcinela uxinzelelo kunye nonxunguphalo lokufumanisa ngazo emva kokuba ufumene umonakalo okanye ulahlekelwe.

🔰 Cinga ngokudibanisa iipolisi ezininzi nenkampani enye yeinshurensi

Kusenokuba nomdla ukudibanisa imigaqo-nkqubo emininzi nenkampani enye yeinshurensi.

Ukuba ujonge kwi-inshurensi yezithuthi ezininzi okanye ufumane iindidi ezininzi zeshishini, unokufuna ukufumana umniki-inshurensi omnye obonelela ngeemveliso ezininzi - izaphulelo zepolisi okanye iinkqubo zokunyaniseka.

🔰 Hlaziya iimfuno zakho ze-inshurensi ngonyaka

Ipolisi yakho ye-inshurensi iya kutshintsha njengoko iimfuno zakho zitshintsha. Mhlawumbi uthenge isithuthi esitsha ukususela ekufumaneni i-inshurensi yemoto kwisithuthi sakho sokuqala, okanye mhlawumbi uqalise ukuqhuba ishishini elincinci ngaphandle kwekhaya lakho.

Wakuba wenze utshintsho, kubalulekile ukuqwalasela ukuba ingaba umgaqo-nkqubo wakho kufuneka ulungelelanise nokuvezwa komngcipheko omtsha.

Hlala unxibelelana nomboneleli wakho we-inshurensi okanye umthengisi ukuze uhlale uphezulu kwiimfuno zakho ze-inshurensi.

🔰 Musa ukulibaziseka iiNtlawulo

Ukungaphumeleli ukuhlawula kuthathwa njengoku" ingozi embi ”, enokuthi ibangele izinga eliphezulu. Ukuba uthatha isigqibo sokungayihlaziyi ipolisi yakho, kufuneka ngoko nangoko wazise i-inshurensi ngembalelwano.

Gcina ukhumbula ukuba ukutshintsha ababoneleli be-inshorensi ngaphambi kokuba ipolisi yakho ihlaziywe kunokubangela intlawulo yokurhoxiswa kwangaphambi kwexesha.

🌿 Thatha amanyathelo okunciphisa umngcipheko kwaye uthintele ilahleko

Ulawulo lomngcipheko lunakho kakhulu kukunceda uhlale ukhuselekile. Ukuba ungumnikazi wendlu, cinga ngokwenza iitshekhi zokulungisa ngamaxesha athile onyaka.

Ukuba uneshishini elisekelwe ekhaya, cinga ukuphucula ukhuseleko lwakho lwedijithali ukukhusela ngcono kulwaphulo-mthetho lwe-cyber. Ukucwangcisa okulungileyo kunye nokukhuselwa kunokukunceda uhlale uphambi komngcipheko kwimisebenzi yakho yemihla ngemihla.

Nangona kunjalo, andinakukushiya ngaphandle kokukunika uqeqesho lwam kuqeqesho lomntu siqu. Cofa apha ukukhuphela isikhokelo sokugqibela solawulo lwemali yobuqu.

Ndishiye uluvo