Inkcazo ye "Iipilisi" kwi-inshurensi ibhekisela kwiingozi kunye neemeko ezibangelwa ngumlahleko okanye umonakalo. Ichaza ngokucacileyo izinto ezinokuthi zenzeke, kuxhomekeke ekubeni ngaba yingozi yokhuseleko okanye ayikho, inokukunceda ukuba uyayiqonda into efunyenwe kwi-inshorensi yakho.
Iipilisi nazo zibizwa ngokuba "ingozi".
Umgaqo-nkqubo wakho womshuwalense uza kubhekisela "kwingozi" kwisivumelwano sakho somgaqo-nkqubo.
Igama elithi "i-insured danger" libhekisela kwimingcipheko okanye kwimithombo yomonakalo "eqinisekisiwe".
Iipilisi zingabhekisela kumthombo wenzakalo onokuthi uhlawulwe .
Imizekelo yezinye izingozi zi:
- umonakalo wamanzi
- Ngomlilo
- ubusela
- umkhukula
- inyikima
- ukuchitheka, kunye nezinye ezininzi.
Azikho zonke iingozi ezihlanganiswe kumgaqo-nkqubo, kodwa ngamanye amaxesha mhlawumbi zingeniswa ngokuvuma, umzekelo nge-inshorensi yenyikima. Umgaqo-nkqubo wakho womshuwalense kufuneka ucacise oko kufunyenwe okanye kungenjalo.
Inkcazo eyongezelelweyo kunye nemizekelo yekota "Iipilisi" kwiNkcazo yeMshuwalense
I-term peril isetyenziswe kwiimeko ezininzi, ngaphandle kwenkcazo, ingasetyenziselwa ukuchaza uhlobo lwenkqubo yomshuwalense onayo. Iingozi ze-inshorensi ziya kuhlala zichazwe ngokucacileyo kwinkqubo yomshuwalense, ngaphandle kwe- "All Risk" nkqubo eyenza enye indlela ngokuqinisekisa "yonke ingozi" okanye "yonke into eyingozi" kwaye ke iluhlu kuphela zonke iingozi ezingabhekanga ukungafunyanwa.
Ininzi yemigaqo-inshorensi ingabhala "Iipilisi ezithiwa" okanye "Iipilisi zokhuseleko", oku kuchaza ukuba uyintoni i-insured.
Iipilisi kunye nokungabikho
Akuzona zonke iingozi eziqinisekisiwe kwinqubomgomo yomshuwalense, izingozi ezingenakuqinisekiswa okanye ezingabandakanywayo zingathunyelwa "kwiingozi ezingaxhaswanga" okanye "ingozi" okanye ukungafunyanwa. Ngokomzekelo, iingozi ezinjengekhukhula, inyikima, umonakalo obangelwa kukubunjwa , umonakalo obangelwa yizinambuzane, zonke zinokuba yimingcipheko, nangona zingabandakanywa kwi-inshorensi yokuhlala yokuhlala, umninikhaya okanye umnini-condo.
Ezinye izingozi okanye ingozi zingongezwa ngokuvuma okanye umgibeli .
Iintlobo ezimbini ezibalulekileyo zeNkxaso-nkqubo ye-Innshurensi yasekhaya
Ingozi iyigama elikhethiweyo elisetyenziselwa iikontrakthi ze-inshorensi ukuchaza ukuba yeyiphi ingozi inkontileka ye-inshurensi iya kufikelela. Umgaqo-nkqubo womnini uya kunika izabelo ezikwinqanaba lezakhiwo zomgaqo-nkqubo kunye nenxalenye yesinxalenye yomgaqo-nkqubo. Akufanele kucatshangelwe ukuba ngenxa yokuba enye inxalenye yokubhengezwa kwayo inobungozi bonke, ukuba enye iya kubakho.
I-Pered Peril ngokubhekiselele kwi-Open Perils (Yonke ingozi) Umgaqo-nkqubo we-Inshorensi
Kwimigaqo- nkqubo yomshuwalense wengozi yomshuwalense, umgaqo-nkqubo we-inshorensi uza kuhlinzeka kuphela nge-inshorensi ngokulahlekelwa ngenxa yengozi ethile okanye umonakalo ochazwe ngokukodwa kwinqubomgomo yomshuwalense.
Kubalulekile ukuqonda ukuba yiziphi iingozi ezikhuseliweyo ukuze ukwazi ukuba ulindele ntoni kwibango . Ekubeni umgaqo-nkqubo womshuwalense we-paril uquka kuphela izingozi ezithile, ngokuqhelekileyo zibiza kakhulu kuneyona mngcipheko okanye yonke inkqubo yomshuwalense wengozi. Iziganeko ezongezelelweyo zingahlawulwa ngamanye amaxesha ngokuvuma .
Iipilisi ezivulekileyo, yonke ingozi okanye yonke Inqubomgomo yomshuwalense we-Peril yinkqubo yomshuwalense ehlanganisa zonke iingozi ngaphandle kweengozi ezichazwe ngokukodwa kwi-inshorensi.
Umgaqo-nkqubo we-inshorensi wonke udla ngokubiza kakhulu kunokuba umgaqo-nkqubo wengozi ngenxa yokuba ungaphezulu kuneyona nkqubo egunyazisiweyo.
Ngokuqhelekileyo inezinzuzo ezibalulekileyo ngaphezu komgaqo-nkqubo ojongene nomngcipheko ngenxa yenkcazo yayo ebanzi, ngamanye amaxesha kuquka nemida ekhethekileyo yomgaqo-nkqubo .
Ufunyanwa phi na iipilisi kwiNkcazo yakho yomshuwalense?
Iphepha lakho lokubhengeza ipolisi yomshuwalense liya kukubonisa uluhlobo luni lomshuwalense wekhaya onayo: Iipilisi ezivulekileyo okanye iiPilisi ezithiwa ngokusekelwe kwifom yepolisi eluhlu.
Iingozi ze-insured ziza kubalwa ngokuthe ngqo kunye neengozi ezingabandakanyiyo kunye neemeko kwigama lomgaqo-nkqubo oza kulandela iphepha lokubhengezwa kwenkqubo yakho.
Uluhlu lwabahlali beeNkcitho eziqhelekileyo IiNtsholongwane ezibhekiswe kwiNkxaso-mali kuquka:
Umlilo: Into evelisa i-spark, ilangatye okanye ikhanya. Musa ukutshaya. Umonakalo ochanekileyo ngenxa yomlilo obushushu uhlanganiswe phantsi komlilo. Umlilo okhohlakeleyo ngumlilo ovuthayo apho kungenjongo yokutshisa njengobhedi okanye amakhethini.
Umbane: Uchazwe njengombane wendalo. Umbane uwonakalisa into ethile okanye umlilo obangelwa ngumbane zombini ihlanganiswe phantsi kwendiza yombane. Kwakhona, umonakalo kwinkqubo yombane okanye izixhobo ezisetyenziswa ekhaya ngenxa yesiganeko sombane nazo ziya kugutyungwa phantsi kombane kodwa kungenjalo ukuba ingxaki yombane ivela kwinkampani enika amandla.
Ukuxhamla: Umyinge wokuqhuma iyakwazi ukuhluka ngokubhekiselele kumgaqo-nkqubo we-inshorensi kodwa ngokubanzi ibhekisela ekuqhubheni okuvela kwisakhiwo esityhiweyo kodwa ngamanye amaxesha kunokuquka ukuqhuma okuvela ngaphandle kweso sakhiwo kwaye kubangele umonakalo kwisakhiwo esibunjiweyo.
I-Windstorm: Ukulimala ngenxa yemoya kuquka iikhukhula, iindubhu kunye neempukane kwaye zihlanganisa ngaphandle kwepropati kunye ngaphakathi kwipropati ukuba umoya udala ukuvula ngaphakathi. Akubandakanyi umonakalo ngenxa yezikhukula.
Isichotho: Imonakalo ebangelwa ngokuthe ngqo kwesichotho. Isisombululo sokubhengeza ngaphakathi ngaphakathi kwisakhiwo senziwe kuphela xa isichotho siphulaphula isakhiwo kwaye sikhangela umonakalo wangaphakathi ukuze ukuba isichotho singene ngenxa yefestile evulekile, umonakalo ongaphakathi ngenxa yesichotho esivela kwifestile evulekileyo ayiyi kuhlanganiswa .
I-Riot okanye i-Civil Commotion: I-riot ivame ukuchazwa ngabantu abathathu okanye ngaphezulu abangabangela umonakalo kwipropati kunye nomfelandawonye woluntu ngokuqhelekileyo uchazwa njengomonakalo obangelwa inani elikhulu labantu.
Iinqwelo: Ukulimala okubangelwa nayiphi na imishini ebhakabhaka kuquka amabhaluni, ii-helicopter, ii-airplanes, i-spacecrafts kunye nezixhobo zokuzikhusela.
Ukufunda okungakumbi malunga neendlela ezahlukeneyo zokukhawulwa kwemigaqo-nkqubo ye-inshurensi yasekhaya unokuqhubeka nokufunda Ukuqonda iipilisi eziqinisekisiwe ngu-HO-2. I-HO-3 kunye ne-HO-5 Imigaqo-nkqubo yabanini .