Nangona ukuqhuba ukhuseleko lokukhusela iinqanawa kunceda ukugcina amanqaku engozi phantsi, kukho ithuba lokungacingi ukuba kuya kwenzeka. Ngokwezibalo ze-US Coast Guard, ngowama-2014 kwakukho izingozi ezingaphezu kwe-4 000 e-US ezibangelwa ukufa kwabantu abayi-610, ukulimala okungama-2,678 kunye nama-dollar angama-39 yezigidigidi.
Ngubani ofuna i-Insurance Insurance
Unokuba ngaphantsi kombono wokuthi ukuba unabanini-bhorensi besikhokelo sakho isikebhe sikhishwe ngokuzenzekelayo. Oku akunjalo ngaso sonke isikhathi. Ngelixa unako ukukhuselwa phantsi komgaqo-nkqubo we-inshorensi yabanini, ukuba uthembele kule ngxelo kuphela; ungaba phantsi kwe-insured. Kwabo abanemizekelo emitsha okanye iinqanawa ezibizayo, umgaqo-nkqubo ohlukeneyo webheyiphu unokwenzeka ukhetho olulungileyo. Kwakhona, ukuba isikebhe sakho sise-marina, i-marina ingafuna ukuba unakekele umgaqo-mgaqo-mjelo kunye nemida ethile yoxanduva. Hlola nge-marina malunga neemfuno zayo ezithile ze-inshorensi yemfanelo yomshuwalense.
Akunjalo wonke umnqanawa oyena mkhombe uya kuba nesidingo somgaqo-nkqubo womshuwalense / umkhumbi womshuwalense wendawo. Izikebhe ezinokubaluleka kwexabiso kunoko ngokukhawuleza ngendlela efanayo imoto iqala ukuhlaziywa kwintengo ngokukhawuleza xa usuka kwibala lemoto. Kwabo abanamabhobho amadala, iindleko ze-inshurensi zingaba ngaphezu kweenzuzo oza kuzifumana xa kwenzeka ukulahleka.
Unokwazi ukunqumla i-inshurensi yebhayibhile ngokupheleleyo okanye mhlawumbi ungathenga umkhweli owongeziweyo kumgaqo-nkqubo we-inshorensi yomnini-mali yakho ye-premium yomshuwalense engaphantsi kunokuba uthenge umgaqo-nkqubo ohlukeneyo wemkhombe.
Iindleko
Ngokuqhelekileyo, unokulindela ukuhlawula i-1 kuya kwi-2% yexabiso lakho lexabiso lemarike langoku njengemali ye-inshuwalansi yebhokhwe. Ukufaneleka kwezaphulelo kuya kunciphisa i-premium yakho yomshuwalense. Njengoko nge-inshurensi yomshuwalense, okona kubiza ukwenza kunye nemodeli yesikhephe sakho, ukuphakama kwe-inshurensi ye-inshurensi yakho iya kuba. Iimodeli zonyaka omtsha ziya kuhlawula imali ngakumbi ukuqinisekisa. Kulabo bahlala kwiindawo ezinqabileyo, i-inshorensi yakho ingakubiza ngakumbi. Izizathu ezininzi zisetyenziselwa ukujonga iindleko ze-inshurensi yekhefu kuquka:
- Age Boat
- Ubude beBhekile
- Ukukhawuleza okanye ukuHlaba amaHhashi
- Ixabiso leBhekile
- Isimo
- Indawo yokuhlala yasePrayimari (Ngaba uhlala kwisikhephe)
- Iinqanawa zasekhaya
- Uhlobo (ukuloba iinqanawa, ukuqhuba isikebhe, ukungena ngaphakathi, i-cruiser, i-utility, njl.
- Indawo yokusebenza (imifula, i-bay, amachibi, ulwandle, njl.)
Iintlobo
Njengoko zininzi iintlobo ezahlukeneyo zeenqanawa / iimpahla zamanzi, kukho iindidi ezahlukeneyo zeekhushurensi ezikhoyo. Ezinye zeentlobo ziquka:
- I-inshurensi ye-Hull ibonakalisa umonakalo kwisikhephe sakho kwaye nayiphi na umonakalo sakho sikhephe kubangele indawo yabanye. Oku kubandakanya iindleko zokulungiswa kweekhephe. Ukuba ilahleko epheleleyo ivela, i-inshurensi ye-hull iya kuhlawula ixabiso elivunyelweneyo lesikhephe.
- Intshuwalense ye-Thirty Party yobuninzi ibonakalisa umonakalo sakho sikhephe kubangele ipropati yabanye. Iya kubandakanya nanoma yimuphi umonakalo obangelwayo obangelwa uxanduva olunjalo olubangelwa ukuchitheka kwamanzi, ukukhwela, iindleko zonyango kunye nayiphi na imisebenzi yokuhlangula eyimfuneko. I-marina yakho inokufuna ukuba uthwale ipolisi yemfanelo yomntu wesithathu.
- Zonke iinkqubo zobungozi zibandakanya nayiphi na ingozi engabandakanywa ngokukodwa kwimigaqo-nkqubo yomshuwalense wesikhephe njengomonakalo weqhwa, ukugqithisa, uxanduva lokungcola, ukuxhatshazwa komonakalo, ukuphazamiseka kwemishini. Iinshurensi yonyango ihlala ikhona njengomgibeli kumgaqo-nkqubo.
- Ixabiso langempela leeCash okanye ixabiso elivunyelweyo libhekisela kwiphakheji yomgaqo-nkqubo weekhephe kunye nokuba uya kuhlawula ixabiso lenkokhelo lenqanawa okanye isixabiso esivumelwaneni esinqunyiwe xa uthengela umgaqo-nkqubo wakho. Ixabiso langempela lemali lingakubiza ubuncinane kodwa umgaqo-xabiso ovunyelweneyo uya kukhusela inani onokufumana ngalo kwisikhephe ukuba ilahleko lilonke lenzekile kungakhathaliseki ukuhla kwexabiso, nangona kwezinye iimeko ilahleko ezikhethiweyo zingahlaziywa.
- I- inshurenti ye- Yacht ihlanganisa izitya 27 'okanye ezinkulu. Umgaqo okhethekileyo uyadingeka ngenxa yokuba ezi nqanawa ezinkulu zinokungcola ngakumbi kunokuba "isikhephe" esincinci.
- I-Club Club ibandakanya onke amalungu ebhulabhu yeekhephe xa eqhuba inqanawa yomonakalo wepropati kunye noxanduva.
- I-Angler yeNgcali, iNkcazo yokuLoba okanye iMigaqo- nkqubo yeCharter iyafumaneka ukujonga ukuhamba kunye nezixhobo ezifunekayo zokutyelela iintambo.
Izaphulelo ezifumanekayo
Unako ukukunceda ukunciphisa iindleko ze-inshorensi yakho xa ufanelekile ukufumana izaphulelo ezikhoyo. Iinkampani ezininzi zinikeza izaphulelo kubaphathi benqanawa abanelayisenisi yokuqhubela okanye okanye ugcina isikebhe sakho phantsi kwesakhiwo esityhiweyo esinjenge-shed. Unako ukufumana isaphulelo xa unesikebhe sakho esiphethwe nguLondolozo lweNxweme oluNcedisayo. Ukusebenzisa zonke izaphulelo ezikhoyo ziya kukunceda ukuba ube nexabiso elifanelekileyo kwi-inshorensi .
Xa i-Boat yakho ingabhalwa
Kubalulekile ukuba abanikazi beenqanawa bawakhumbule kukuba kukho amaxesha apho isikhephe sakho singagqitywa ngumgaqo-nkqubo we-inshorensi yakho. Nangona ikhephe lakho lihamba ukusuka kwikhaya lakho ukuya emanzini kwaye litshitshiswa ngemoto yakho siqu, umgaqo-nkqubo wakho womshuwalense we-auto uhlanganisa isikhephe sakho. Ungeke ube negalelo elininzi ngaphantsi komgaqo-nkqubo wakho wemoto njengoko umgaqo-nkqubo wakho weekhuphe unikezela. Kukho rhoqo abagibeli abanokungeniswa kwipolisi yemoto ukukhupha iinqanawa kunye nezinye izinto onokuzithengisa ngemoto yakho. Kwakhona, ukuba ipolisi yakho ibonisa ukuba isikebhe sakho siya kugcinwa ngexesha elithile, zithetha ngexesha lokubanda kwinyanga kaNovemba-Februwari kwaye uthabathe isikhephe ukukhwela ngeli xesha; awunayo inkcazo ngaphantsi komgaqo-nkqubo wakho wemkhombe kufuneka kwenzeke ingozi.
Iingcamango Zokugqibela
Ukuhamba ngeenqanawa yindlela ehle kakhulu yokuphumla kunye nabahlobo kunye nosapho. Ungakwazi ukuphumula lula ukwazi ukuba isikhephe sakho sivikelwe ngokufanelekileyo. Ukuba awuqinisekanga ukuba ufuna i-inshorensi / yomshuwalense wendalo yamanzi, qhagamshelana nommeli womshuwalense wendawo ukuba ucebise uboniswano okanye ummeli wenkampani yinshuwalense enikela i-inshurensi yebhayibhu. Ukuba ufumanisa umgaqo-nkqubo we-inshorensi yesikhephe ukulungele ukuthenga kunye nokuthelekisa iirhafu kunye neenkampani zomshuwalense ezihloniphekileyo ezinokwaneliseka kwamandla emali evela kwimibutho ye- inshorensi efana ne- AM Best . Ngokuthelekiswa okumbalwa ukujonga, oku kuya kwenza kube lula ukufumana ingxelo efanelekileyo kwixabiso elifanelekileyo.