Yintoni omawuyazi malunga ne-inshurensi

Sonke siyafuna ukhuseleko lwemali thina 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. Namhlanje, 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 ikhusela umonakalo wemali xa kwenzeka umonakalo kumntu okanye into efakwe kwi-inshorensi.

Ngoko ke udlulisela umngcipheko welahleko yemali onokuthi ube nawo ngenxa yokungaqiniseki kobomi kwinkampani yeinshorensi ngomrhumo omncinci. 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.

Ukususela kubugcisa ukuya kwizilwanyana zasekhaya, kukho i-inshurensi ekhoyo yezinto ezininzi, yaye ubani ufanele afumane i-inshorensi ngokweemfuno zazo nezinto eziphambili kuzo.

✔️ 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 kwesakhono esicingayo kunye nenyaniso. Ngokomzekelo, iminyaka embalwa yokonga inokunyamalala kwimeko kaxakeka yonyango. Lo ngumzekelo nje omnye. Nazi izizathu ezi-3 zokuba kutheni kubalulekile ukufumana i-inshurensi

#1: I-inshurensi inika uzinzo lwemali kusapho

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

umzekelo, ukuba akunayo i-inshorensi yobomi yaneleyo, intsapho yakho inokujamelana nobunzima bemali 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 izisa 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 usweleke ngokungalindelekanga ngexesha usenamanyathelo amaninzi okufuneka uhambe kuwo njengemfundo yabantwana, umtshato wabo, ikhoposi yomhlalaphantsi yeqabane lakho njl.njl. Kukho kwakhona ityala elifana ne-mortgage.

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 olunjalo kwizibhedlele ezilungileyo lunokuxabisa ii-laks.

Ke ukuba ne-inshurensi yezempilo kule meko ikugcina ixhala 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-inshorensi yobomi ikhusela usapho lwakho ngokwasezimalini xa unokusweleka ngaphambi kwexesha. Nantsi indlela esebenza ngayo. Uhlawula iprimiyamu eqhelekileyo kwinkampani yeinshurensi iminyaka emininzi. Ngembuyekezo, inkampani yeinshorensi ihlawula isixa se-inshorensi kusapho lwakho ukuba uyasweleka ngexesha lesivumelwano.

Umntu ofakwe kwi-inshorensi utyumba umntu omnye okanye ngaphezulu (umxhamli/abaxhamli) abaya kufumana inzuzo yokusweleka njengoko kubonisiwe kwipolisi. Intlawulo yokufa okanye inzuzo 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 – yimveliso edibanisa i-inshurensi yobomi kunye notyalo-mali.

#2. I-inshorensi yempilo

I-inshurensi yezempilo inokunceda ekuhlawuleleni iindleko zokhathalelo lwempilo. Ezinye iintlobo zinokongeza umvuzo wakho ukuba ugula kakhulu okanye ukwenzakala. Ezinye iintlobo zinokuhlawula amatyala ezonyango ukuba uyagula ngelixa useholideyini.

Nazi ezinye iintlobo ze-inshurensi yezempilo:

• I-inshurensi yezempilo ehambelanayo
• I-inshurensi yokukhubazeka
• I-inshurensi yonyango yokuhamba
• Isigulo esiPhakamileyo okanye i-Inshurensi yokuNxila
• 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-inshorensi yePropati kunye neyokwenzakala ikhusela umntu ofakwe kwi-inshorensi kwityala elisemthethweni lelahleko ebangelwe kukwenzakala kwabanye abantu okanye ukonakaliswa kwepropathi yabanye.

Nazi ezinye iintlobo ze-inshurensi jikelele:

• I-inshurensi yekhaya okanye yepropathi
• Umqeshi okanye i-inshurensi yomqeshi
• i-inshurensi yemoto
• I-inshurensi yoxanduva
• IiNzuzo zeNgozi/I-Inshurensi yokuNzakala komntu
• I-inshurensi yokungqubana
• Buyela kwi-inshurensi yangasemva
• I-Inshurensi yoShishino
• 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 ekhoyo, phantsi kweziphi iimeko eza kuhlawulwa yi-inshurensi, ingakanani imali kunye noluphi uhlobo lwenzuzo oya kuyifumana ukuba wenza ibango.

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

Ukuhlanganisa – isixa se-inshorensi oyithengileyo. 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 ehlawula umnini-polisi xa ipolisi ye-inshurensi yobomi icinyiwe. Isenokuba yimali eyongeziweyo kwinzuzo yokufa kwaye inokuhlawulwa xa kusweleka lowo ufakwe kwi-inshorensi. Eli gama lisetyenziswa kunye neepolisi ze-inshorensi yobomi esisigxina.

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

Isibhengezo -esi sisaziso esisemthethweni kwi-inshurensi yakho ukuba ihlawulwe ngelahleko okanye isiganeko esifakwe kwipolisi yakho ye-inshurensi.

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

Franchise – imali ovuma ukuyihlawula phambi kokuba umkhuseli ahlawule enye.

Ezingabikho – izinto ezingabandakanywanga kwipolisi yakho. Ngokomzekelo, ezinye iipolisi ze-inshorensi yezempilo zisenokungabandakanyi iimeko ezithile zonyango obunazo ngaphambi kokufaka isicelo se-inshorensi, okanye ipolisi ye-inshorensi yokuhamba isenokungabandakanyi amabango ukuba uhamba kwilizwe elisemngciphekweni omkhulu.

Yiyo loo nto kubalulekile ukufunda ipolisi yakho ngocoselelo ukujonga ukuba iquka ntoni na kwaye ayikuquki ntoni na ukuze kungabikho nto imangalisayo xa usenza 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 zeinshorensi ekhoyo, eziquka: i-inshorensi yemoto, i-inshorensi yekhaya, i-inshorensi yobomi, i-inshorensi yempilo, i-inshurensi yohambo, i-inshorensi yetyala, i-inshorensi yokukhubazeka, i-inshorensi yeshishini, i-inshorensi yesilwanyana sasekhaya, njl.

Umbuzo: Isebenza njani inkqubo yamabango e-inshurensi?

IMPENDULO: Ukuba ulahlekelwa yilahleko ehlawulwa yipolisi yakho yeinshorensi, kufuneka uqhagamshelane nenkampani yakho yeinshorensi 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.

Noko ke, isigqibo sokuthenga i-inshorensi sifanele simiselwe yimiba emithathu: iimfuno, izibonelelo ozifumana kwipolisi, kunye nokukwazi kwakho ukuhlawula intlawulo. Ngaphambi kokuba uhambe, nalu uqeqesho lweprimiyamu ekuvumela ukuba wenze ukwakha ishishini lakho kwi-intanethi.