Yintoni omawuyazi malunga ne-inshurensi

Sonke siyafuna ukhuseleko lwemali ngokwethu nosapho lwethu. Siyazi ukuba ukuba ne-inshurensi kunokusinceda sihlanganise isicwangciso esiluqilima sezemali. Nangona kunjalo abaninzi bethu abacingi nge-inshurensi.

Amaxesha amaninzi, asicingi ngeengozi kunye neziganeko ezingalindelekanga esijamelana nazo mihla le. Kwakhona kusenokwenzeka ukuba akukho nto ingako siyaziyo ngeinshorensi. Kule mihla, kukho iipolisi ze-inshurensi zomntu wonke. Nokuba unabantwana abakhubazekileyo, kukho a ipolisi ye-inshorensi yaba bantwana bakhubazekileyo.

Ngokuchasene neengcamango ezinjalo, kungakhathaliseki ukuba impilo yethu, imeko yethu yezemali okanye umgangatho wethu njengomqhubi, sonke sifuna i-inshurensi. Oku kungenxa yokuba i-inshurensi isebenza njengenetha yokhuseleko ekhusela wena kunye nosapho lwakho ngemali xa iitshiphusi ziphantsi. Kweli nqaku siza kuthetha ngayo yonke into malunga ne-inshurensi. Sibonisa iintlobo ezahlukeneyo ze-inshurensi kunye nokubaluleka kwazo ebomini bethu. Kodwa okokuqala, nantsi i-ebook yam ekuvumela ukuba uqonde ngcono ulawulo lwemali yakho yobuqu.

Yintoni i-inshurensi?

Ingcamango ye-inshurensi ilula kakhulu ukuyiqonda. Uhlawula umrhumo wenyanga okanye wonyaka kwinkampani yeinshurensi qinisekisa ubomi bakho, impilo yakho, isithuthi sakho, impahla yakho, njl. ixesha elithile. Ngembuyekezo, i-inshurensi ihlawula umonakalo wemali xa kwenzeka umonakalo kumntu okanye into efakwe kwi-inshurensi. Ngoko udlulisela umngcipheko welahleko yemali onokuthi ubandezeleke ngenxa yokungaqiniseki kobomi kwinkampani yeinshurensi ngentlawulo encinci. Ngokomzekelo, ukuba ufumene ingozi yemoto kwaye kufuneka ulaliswe esibhedlele.

I-inshurensi yempilo yakho iya kuhlawulela iindleko zonyango zokulaliswa esibhedlele. Kwaye, i-inshurensi yemoto yakho iya kuhlawula umonakalo kwimoto yakho. Okwangoku, ukuba usweleke kwingozi, usapho lwakho luya kufumana isixa se-inshurensi yexesha lakho. Ukusuka kwezobugcisa ukuya kwizilwanyana zasekhaya, kukho i-inshurensi ekhoyo yezinto ezininzi, kwaye umntu ufanele afumane i-inshurensi ngokweemfuno zazo nezinto eziphambili kuzo.

Abadlali be-inshurensi

I-inshurensi yehlabathi ye-inshorensi yobomi isenokubonakala intsonkothile ekuqaleni, kodwa eneneni, ifana nomdlalo olungelelaniswe kakuhle, onabadlali abahlukeneyo abadlala indima ebalulekileyo. Makhe ndikwazise kubalinganiswa abaphambili kulo mboniso wemali.

Okokuqala, sineenkampani ze-inshurensi, abalawuli bokwenyani balo mboniso. Ngabo abaqulunqa iikhontrakthi, balawule iimali kwaye baqinisekise ukuba yonke into ihamba ngokwemigaqo. Bafana nabaqhubi beokhestra, abalathisa wonke umdlalo.

Emva koko, iiarhente eziqhelekileyo kunye nabarhwebi bangena kumdlalo. Bacinge njengabakhenkethisi kule meko yemali. Bakhona ukukunceda ukuba uhambe ngeendlela ezahlukeneyo, uchaze ubucukubhede beekontraki, kwaye uncede ukhethe eyona ikulungeleyo. Indima yabo ibalulekile ekwenzeni i-inshurensi yobomi ifikeleleke kuye wonke umntu.

Iibhanki nazo zidlala indima ebalulekileyo kulo mdlalo. Bafana nabadlali abaguquguqukayo, abanakho ukunxiba iminqwazi emininzi. Abanako nje ukusasaza imigaqo-nkqubo ye-inshorensi yobomi, kodwa banikezela ngoluhlu olupheleleyo lweenkonzo zemali, ezenza ukuba zibe ziivenkile ezithengisayo kubathengi abaninzi.

Masingalibali abacebisi bolawulo lobutyebi, abayili bokwenene besicwangciso sakho sezemali. Balapha ukukunceda ubone umfanekiso omkhulu, cwangcisa ikamva lakho lezemali ngokudibanisa i-inshurensi yobomi kwisicwangciso esibanzi.

Ekugqibeleni, kukho wena, umrhumi, inkwenkwezi yokwenyani yalo mboniso. Kungenxa yakho ukuba yonke le nkcazelo ibekwe endaweni. Nguwe okhetha ikhontrakthi, othatha isigqibo malunga neentlawulo kwaye ngubani, ekugqibeleni, azuze kolu londolozo.

Ukubaluleka kwe-inshurensi

Njengoko besitshilo ekuqaleni, abantu abaninzi bacinga nge-inshurensi njenge iindleko ezingeyomfuneko. Isizathu sikukuba siqinisekile ngekamva lethu namandla ethu okumelana neemeko ezingazange zibonwe ngaphambili. Kodwa kukho umahluko omkhulu phakathi kwamandla ethu okuqonda kunye nenyaniso. Ngokomzekelo, iminyaka embalwa yokonga inokunyamalala kwingxakeko yonyango. Lo ngumzekelo nje. Nazi izizathu ezi-3 zokuba kutheni kubalulekile ukuthatha i-inshurensi

#1: I-inshurensi inika uzinzo lwemali kusapho

Kungakhathaliseki ukuba ungakanani na okwazileyo ukugcina okanye uthini umvuzo wakho wenyanga, isiganeko esingalindelekanga sinokutshisa umngxuma omkhulu epokothweni yakho okanye sibeke emngciphekweni ikamva lezezimali losapho lwakho.

umzekelo, ukuba akunayo i-inshorensi yobomi eyaneleyo, intsapho yakho inokuba neengxaki zemali ukuba unokujamelana nokufa ngequbuliso. Nangona kungekho mali inokuthi ithabathel’ indawo ilahleko yabantu ababathandayo, i-inshorensi yobomi ibiya kubasindisa kubunzima bemali.

Okwangoku, ukuba wena okanye usapho lwakho aninayo i-inshurensi yezempilo eyaneleyo, amatyala amakhulu ezonyango ngalo naluphi na unyango angayigungqisa ngokupheleleyo imali yakho. Kubalulekile ke ngoko ukuba uqinisekise ukuba wena nosapho lwakho ninesixa esaneleyo se-inshurensi.

#2: I-inshurensi inika uxolo lwengqondo

Intlawulo oyihlawulayo kwinkampani yeinshorensi yile ixabiso eliqinisekisayo ukuba inkampani yeinshorensi iya kugubungela umonakalo xa kukho isiganeko esingalindelekanga. Kwaye, esi siqinisekiso sokuba ingozi yakho igutyungelwe inika uxolo lwengqondo. Ngokomzekelo, cinga ukuba usweleka ngokungalindelekanga ngexesha usenemiba eliqela ekufuneka uyigqibe njengemfundo yabantwana, umtshato wabo, ikhoposi yomhlalaphantsi yeqabane lakho, njl. Kukwakho netyala elinjengemali mboleko yezindlu.

Ukufa kwakho ngequbuliso kunokubeka usapho lwakho kwimeko yengxaki. Kodwa, ukuba uthe wathenga i-inshurensi yexesha elithathela ingqalelo zonke ezi zinto, usapho lwakho luya kuba nakho ukutyhubela amaxesha anzima.

#3: I-inshurensi inciphisa uxinzelelo kumaxesha anzima

Kungakhathaliseki ukuba uzama kangakanani ukuphucula ubomi bakho, isiganeko esingalindelekanga sinokuzishukumisa ngokupheleleyo izinto, sikushiye ngokwasemzimbeni, ngokweemvakalelo nangokwemali. Ukuba neinshorensi eyaneleyo kunceda ngengqiqo yokuba ubuncinane akuyomfuneko ukuba ucinge ngemali ebudeni bexesha elinzima ngolo hlobo yaye unokunikela ingqalelo ekuchacheni.

Ngokomzekelo, Masithi wena okanye ilungu losapho lihlaselwe yintliziyo kwaye lifuna ukulaliswa esibhedlele ngoko nangoko. Unyango kwizibhedlele ezilungileyo lunokuxabisa ii-laks. Ke, ukuba ne-inshurensi yezempilo kule meko kukusindisa inkathazo kunye noxinzelelo lokucwangcisa imali. Nge-inshurensi ekhoyo, naluphi na uxinzelelo lwezemali luya kunyamekelwa kwaye unokugxila ekubuyiseleni kwakho.

Iindidi ezahlukeneyo ze-inshurensi

Iinshorensi ezintathu zezona zaziwa kakhulu.

#1. i-inshurensi yobomi

I-inshurensi yobomi ikhusela usapho lwakho ngokwasezimalini xa unokusweleka ngaphambi kwexesha. Nantsi indlela esebenza ngayo. Uhlawula ipremiyamu eqhelekileyo kwinkampani yeinshurensi ngenani elithile leminyaka. Ngembuyekezo, inkampani yeinshorensi ihlawula isixa se-inshorensi kusapho lwakho ukuba uyasweleka ngexesha lesivumelwano.

Amagama afakwe kwi-inshorensi abiza umntu omnye okanye ngaphezulu (umxhamli/abaxhamli) abaya kufumana inzuzo yokufa njengoko kuchaziwe kwipolisi. Ingeniso okanye inzuzo yokufa ayinarhafu. Kukho iindidi ezimbini ze-inshurensi yobomi:

• Okwethutyana

Ibonelela ngokhuseleko lwexesha elithile. Ukuba umntu ofakwe kwi-inshorensi uyasweleka ngexesha lokhuselo (kwaye iipremiyamu zihlawulwe), umxhamli ufumana ibhenefithi yokufa njengoko kuchaziwe kwipolisi. Ukhuseleko luphela ngexesha elichaziweyo. Inokuhlaziywa emva kwexesha, nangona kunjalo, ipremiyamu inokunyuka njengoko iipremiyamu zinokuxhomekeka kwiminyaka yobudala yalowo ufakwe kwi-inshorensi.

• Unaphakade

Ikhusela umntu ofakwe kwi-inshorensi ubomi bakhe bonke (ngaphandle kokuba lowo ufakwe kwi-inshorensi akazihlawuli iipremiyamu). Kukho iindidi ezimbini:

I-inshurensi yobomi bonke – oku kuqinisekisa ukuba iipremiyamu zakho aziyi kutshintsha njengoko ukhula. Olu hlobo lwe-inshorensi lunexabiso eliphantsi eliqinisekisiweyo lemali kunye nesixa-mali esiqinisekisiweyo sokufa.

I-inshurensi yobomi bonke – le yimveliso edibanisa i-inshurensi yobomi kunye notyalo-mali.

#2. I-inshorensi yempilo

I-inshurensi yezempilo inokukunceda uhlawule iindleko zokhathalelo lwempilo. Ezinye iintlobo zinokongeza umvuzo wakho ukuba ugula kakhulu okanye ukwenzakala. Ezinye iintlobo zinokuhlawulela iindleko zonyango ukuba uyagula ngelixa useholideyini. Nazi ezinye iintlobo ze-inshurensi yezempilo:

• I-inshurensi yezempilo ehambelanayo
• I-inshurensi yokukhubazeka
• I-inshurensi yonyango yokuhamba
• Isigulo esibalulekileyo okanye i-inshurensi yokwenzakala
• I-inshurensi yokhathalelo lwexesha elide

#3. I-Inshurensi Jikelele

I-inshurensi yePropati iquka ilahleko okanye umonakalo kwikhaya lakho okanye kwipropathi yakho, imoto okanye ishishini. I-inshurensi yepropathi ikhusela umntu ofakwe kwi-inshurensi kubutyala obusemthethweni ngenxa yelahleko ebangelwe kukwenzakala kwabanye abantu okanye ukonakaliswa kwempahla yabanye.

Nazi ezinye iintlobo ze-inshurensi jikelele:

• I-inshurensi yekhaya okanye yepropathi
• Umqeshi okanye i-inshurensi yomqeshi
• I-inshurensi yemoto
• I-inshurensi yoxanduva
• Izibonelelo zengozi / i-inshurensi yokulimala komntu
• I-inshurensi yokungqubana
• Buyela kwi-inshurensi yangasemva
• I-inshurensi yeshishini
• I-inshurensi yepropathi yorhwebo
• I-inshurensi yoxanduva
• Iimpazamo kunye ne-inshurensi eshiyiweyo

Iingcamango eziphambili kwi-Inshurensi

Mapolisa – isivumelwano somthetho phakathi kwakho nomkhuseli. Ichaza ukuba yeyiphi na imingcipheko echaphazelekayo, phantsi kweemeko eziphantsi kwe-inshurensi eya kukuhlawula yona, yimalini kunye noluphi uhlobo lwenzuzo oya kuyifumana ukuba wenza ibango.

Umnini-Polisi – umntu ofakwe kwi-inshorensi okanye umntu okhuselwe yipolisi.

Ukuhlanganisa – isixa sokhuseleko oluthengileyo. Esi sesona sixa siphezulu siya kuhlawulwa yinkampani yeinshurensi ukuba wenza ibango lelahleko okanye isiganeko esihlawulwa yipolisi yakho.

Ngeneza – imali oza kuhlawulwa yi-inshurensi ukuba i-inshurensi iyalamkela ibango lakho.

Prime – imali oyihlawulela i-inshurensi.

Ixabiso lokunikezela – le yimali i-inshurensi eyihlawula kumnini-polisi xa i-inshurensi yobomi icinyiwe. Isenokuba yimali eyongeziweyo kwinzuzo yokufa kwaye inokuhlawulwa xa esweleka lowo ufakwe kwi-inshorensi. Eli gama lisetyenziswa kunye neepolisi ze-inshorensi yobomi esisigxina.

Inzuzo yokufa - imali eya kuhlawulwa ngumxhasi kwi-inshorensi xa esweleka lowo ufakwe kwi-inshurensi.

Isibhengezo - esi sisaziso esisemthethweni esiya kwi-inshorensi yakho ukuba ihlawulwe ngelahleko okanye isiganeko esihlawulwa yipolisi yakho ye-inshurensi.

Umxhamli – lo ngumntu okanye iziko elo lityunjwe ngumntu ofakwe kwi-inshorensi okanye elimtyumbela ukuba lifumane ingeniso yepolisi. Umxhamli unokurhoxiswa (unokutshintshwa nangaliphi na ixesha ngaphandle kokwazisa umxhamli) okanye angenakurhoxiswa (akunakutshintshwa ngaphandle kwemvume ebhaliweyo yomxhamli).

Franchise – imali ovuma ukuyihlawula phambi kokuba umkhuseli ahlawule enye.

Ezingabikho – izinto ezingabandakanywanga kwipolisi yakho. Ngokomzekelo, ezinye iipolisi ze-inshorensi zempilo zisenokungabandakanyi iimeko ezithile zonyango obunazo ngaphambi kokufaka isicelo se-inshorensi okanye ipolisi ye-inshorensi yokuhamba inokungabandakanyi amabango ukuba uye kwilizwe elisemngciphekweni omkhulu. Yiyo loo nto kubalulekile ukufunda ipolisi yakho ngononophelo ukujonga ukuba iquka ntoni na kwaye ayikuquki ntoni na ukuze kungabikho izothuso xa kufika ixesha lokwenza ibango.

Umngcipheko - ukuba nokwenzeka okanye amathuba okuba isiganeko esifakwe kwi-inshorensi, esifana nokulahlekelwa, ukulimala okanye ukufa, kuya kwenzeka ngelixa umgaqo-nkqubo usebenza.

Isilungiso - eli ligatya okanye ixesha elongezelelweyo kwipolisi yakho ye-inshurensi ukubonelela ngokhuseleko. Oku kuneendleko ezongezelelweyo kuba ibandakanya imingcipheko engabandakanywanga kumgaqo-nkqubo osisiseko.

gama – ixesha oye u-inshorwe ngalo yipolisi yakho.

FAQ

Umbuzo: Yintoni i-inshurensi?

A: I-inshorensi sisivumelwano phakathi komntu okanye ishishini kunye nenkampani yeinshorensi. Ukutshintshana nokuhlawula i-premium, inkampani yomshuwalense iyavuma ukubonelela ngembuyekezo xa kukho ibango okanye ilahleko yemali.

Umbuzo: Ziziphi iintlobo ze-inshurensi ezikhoyo?

IMPENDULO: Zininzi iindidi ze-inshorensi ekhoyo, eziquka: i-inshorensi yemoto, i-inshurensi yekhaya, i-inshorensi yobomi, i-inshorensi yempilo, i-inshorensi yohambo, i-inshorensi yetyala, i-inshurensi yokukhubazeka, i-inshorensi yeshishini, i-inshorensi yezilwanyana zasekhaya, njl.

Umbuzo: Isebenza njani inkqubo yamabango e-inshurensi?

IMPENDULO: Ukuba ulahlekelwa yilahleko ehlawulwa yipolisi yakho ye-inshorensi, kufuneka uqhagamshelane nenkampani yakho ye-inshurensi ukuze uxele ilahleko kwaye uqalise inkqubo yamabango.

Kuya kufuneka unikezele ngolwazi malunga nebango kunye nelahleko efunyenweyo. Inkampani yeinshorensi iya kuthi emva koko ihlole umonakalo kwaye ibone isixa sembuyekezo.

Umbuzo: Indlela yokukhetha i-inshurensi efanelekileyo?

A: Ukukhetha i-inshurensi efanelekileyo, kubalulekile ukuqwalasela iimfuno zakho ezithile kunye nohlahlo lwabiwo-mali.

Kuya kufuneka kwakhona uthelekise iinketho ezahlukeneyo ezikhoyo kwimarike, ukuvavanya iindleko zeprimiyamu, ukutsalwa kwemali kunye nemida yokugubungela. Kuyacetyiswa ukuba uthethe nomcebisi we-inshurensi ukuze ufumane iingcebiso zomntu.

Umbuzo: Ziziphi iingenelo kunye nokungalunganga kwe-inshurensi?

IMPENDULO: I-inshurensi inokukhusela ngokwemali xa kukho intlekele okanye ilahleko. Nangona kunjalo, zinokubiza kwaye zisenokungahlawuleli zonke iintlobo zelahleko.

Kubalulekile ukuqonda imigaqo kunye neemeko zepolisi yakho ye-inshurensi ngaphambi kokuba uthenge i-inshurensi.

Umbuzo: Ndingazigcina njani iintlawulo zam zeinshorensi?

IMPENDULO: Ukugcina izavenge zeinshorensi yakho, usenokucinga ngokunyusa intlawulo yakho, ukuhlanganisa iipolisi ezininzi zeinshorensi kwinkampani enye, ukujonga iinkqubo zezaphulelo zabaqhubi abalungileyo okanye amakhaya axhotyiswe ngenkqubo yokhuseleko, okanye ubize umrhwebi weinshorensi ukuba athethe ngamaxabiso akhuphisanayo. .

Shwa nkathelo

Yiba ne-inshurensi- ubomi, impilo kunye noxanduva loluntu – yinto ebalulekileyo yocwangciso lwezemali. Oku kunokukusindisa kwiingxaki zemali xa kukho iimeko ezingalindelekanga. Nangona kunjalo, isigqibo sokuthenga i-inshorensi kufuneka simiselwe zizinto ezintathu: iimfuno, izibonelelo ozifumanayo kwipolisi kunye nokukwazi kwakho ukuhlawula intlawulo yanyanga le. Ngaphambi kokuba uhambe, nalu uqeqesho lweprimiyamu ekuvumela ukuba wenze ukwakha ishishini lakho kwi-intanethi.