Kuya kuthatha ixesha elifutshane kunye nophando kwicandelo lakho ukuze ufumane ixabiso elifanelekileyo kwi-inshorensi.
1. Khangela inkampani ehloniphekileyo
Kutheni ufuna i-inshurensi ehloniphekileyo ukuba ubhale ipolisi yakho? Usenokuba uthengise ngexesha elide ukufumana umgaqo-nkqubo ongcolileyo kodwa kufuneka ucinge ukuba uyithengi ngempela. Iyintoni igama le nkampani yomshuwalense? Ingaba zizinzileyo kwaye ziza kubakho ukuhlawula naziphi na izimangalo onokuba nazo? Unokufumana okungakumbi malunga nendlela inkampani yakho ye-inshorensi iphakame ngayo yonke into ngokuphonononga ukulinganisa kwayo ngemibutho ye-inshorensi efana ne- AM Best , Standard & Poor's and Fitch Ratings .
Le mibutho ye-inshorensi ibhekisela kwizinto ezininzi zokujonga iinkcazo zeenkampani zomshuwalense kubandakanya ukusebenza kwayo kwezezimali, iphrofayili yoshishino kunye nendlela yokulawula. Enye ingqwalasela ebalulekileyo yembono. Umbono wenkampani ngokuqhelekileyo unomlinganiselo ongezantsi, ozinzile okanye ochanekileyo.
Kungenzeka ukuba inkampani ilinganiswe ngombono ongalunganga unokuba neenkhathi eziqhwithelayo. Zizo zonke izinto zokugcina engqondweni xa ukhetha inkampani yomshuwalense.
2. Yenza umsebenzi wesikolo wasekhaya
Emva kokuba ufumene inkampani ehloniphekileyo ukubonelela nge-inshurensi yakho, awukwenziwanga. Ingaba uyazi ukuba uluhlobo luni lokubhengezwa olufunekayo?
Kungakhathaliseki ukuba ungumntu okanye ngumnini-shishini, kufuneka wenze uphando malunga neentlobo ze-inshorensi ofunekayo ukuba ukhuselwe ngokwaneleyo kwimeko yokulahleka. Ewe, oku akufaniyo wonke umntu. Iindidi ze-inshurensi oza kuyidinga ziyahluka kwiimeko zakho kunye nezidingo. Nazi ezinye iintlobo eziqhelekileyo zemigaqo-inshorensi yomntu ngamnye kunye namashishini.
Iintlobo zeIntshurensi yomntu
- I-Automobile
- Abaninikhaya
- Abaqeshi
- Inshorensi yobomi
- I-inshorensi yempilo
- Intshuwalense yexesha elide
- Intshuwalense yokukhubazeka
Iintlobo ze-Inshorensi Yoshishino
- Jikelele
- Ininshurensi yePropati
- Intshumo yoMngcipheko Wezakhiwo
- Inshorensi ye-Inland Marine
- Iimpazamo kunye neemveliso
- Umthwalo weMveliso
- ZoLuntu lweZakhiwo
- Ushishino Lwezithuthi
- Abasebenzi beMbuyekezo
Ezi azinjalo kuphela iintlobo ze-inshurensi ongayimfuneko kodwa ezinye zeentlobo zeenkqubo ze-inshorensi eziqhelekileyo ezithengiswayo. Funda uphando ngalunye uhlobo lwenkqubo yomshuwalense kwaye ube ngumthengi onolwazi. Ukwazi oko ukhangelayo kuya kukunceda uthengise ngengqiqo ixabiso elifanelekileyo kwi-inshorensi. Ukubonisana kunye ne-inshente ye-inshorensi kunokukunceda ukuba unesiva esilahlekileyo kwaye ungaziqinisekanga ngeentlobo zokupapashwa oza kuzifuna.
3. Ukuthenga ngeenxa zonke
Xa kuziwa ekufumaneni i-premium engcono ye-inshurensi, ihlawula ukuthenga ngeenxa zonke.
Unokutyelela ii-arhente zendawo kwaye ubone ukuba uluphi uhlobo lwexabiso onokufumana okanye unokujonga kwakhona nge-intanethi. Unokufumana amaninzi amaninzi e-intanethi eqhathaniswa ne-intanethi ukukunceda ukuba ufumane ixabiso eliphezulu kunye neendlela zokufikelela ezikhoyo.
4. Cela malunga neAkhaphu
Buza ummeli wakho we-inshurensi malunga naziphi izaphulelo ezikhoyo kunye nomgaqo-nkqubo kunye nawaphi na onokufaneleka ukufumana. Ukuba unelungelo lokufumana isaphulelo se-inshuwalense eyaneleyo, unokufumana ukunciphisa okukhulu kwintengo ye-premium yomshuwalense. Ukuba uthengisa nge-intanethi, funda malunga nazo zonke izaphulelo ezifumaneka kwiinkcukacha ezinikezelwe kwiwebhusayithi. Ukuba kuyimfuneko, fowunela inombolo yenkonzo yabathengi ibalwe ukufumana ulwazi olungakumbi.
5. Ukuphucula iPhulophu Yakho Ingozi
Ngaba kufuneka uzithengise kwinkampani yomshuwalense njengengozi?
Ukwenza umngcipheko okhangele ngakumbi uza kukufumana ama-premiums angcono. Oku kunokuthetha ukwenza izinto ezifana nokucoca irekhodi lakho lokuqhuba, ukuthatha ikhosi yokuziqhuba yokuzikhusela, ukufaka izixhobo zokhuseleko ekhaya lakho okanye ngokuzenzekelayo, ukwenza izinto ukuphucula impilo yakho kunye nokucoca umlinganiselo wakho wesikweletu . Inkampani encinci yomshuwalense ingacingi ukuba iyakufuneka ichithe ekuhlawuleleni amabango akho, i-premium yakho ye-inshurensi iya kuba yincinci.