Uncedo ekufuneni kwakho kwiNkampani yeIntshurensi yeyona ndlela
Kufana nekhadi lokubika yenkampani yomshuwalense .
Uluhlu lweeNkcazo zeeNtshumo
Kukho iinkonzo ezahlukeneyo ze-inshorensi ezahlukeneyo apho ungaqalisa khona uphando lwakho. Nazi ezinye zeenkampani ezinomgangatho ophezulu owaziwa ngomshuwalense:
- I-Standard & Poor's
- Izilinganiso ze-Weiss
- AM Best
- Ukulinganiswa kweFitch
- Corporation yeMoody
- Iqela leWadi
- Ukuchithwa kwemida
- I-Index ye-American Customer Satisfaction Index (ASCI)
JD Power & Associates
Izinto zokubala
Luhlobo luni lwazi olunokunceda imibutho yenkampani ye-inshorensi ikunike inkampani ye-inshorensi? Iinkampani zenkampani ye-inshurensi ibheka ukusebenza kwenkxaso-mali yexesha elidlulileyo ukwenzela ukukunceda ukucacisa ulwalathiso olubhekiselwe kwikamva. Inkonzo nganye ye-inshorensi isebenzisa imigaqo yayo yokugweba ukuzinza kwemali kunye nezinye izinto ezibalulekileyo kwinkampani yomshuwalense. Oko kuthethwa, kukho iinkalo eziliqela ukuba yonke imibutho ye-inshorensi iyaqwalasela.
- Ukwakhiwa kweNkampani kunye nesimo sokuLawula : Inkampani enequmrhu elomeleleyo kunye neqela lobunkokeli landisa ukuzithemba kwabathengi. Ngokwahlukileyo, inkampani yomshuwalense othengwa rhoqo kwaye ithengiswe inika umqondo wokungazinzi kwaye abathengi banokuthatha ibhizinisi labo kwenye indawo.
- Amabango ahlawulwayo : Ukuba inkampani inamabango amaninzi ukuhlawula kuyo nayiphi ikota yezemali okanye unyaka, inokunciphisa ukuthenga ngetyala kunye nokukwazi ukuhlawula abathengi okanye amabango esizayo kubaphathi-nkqubo.
- Ugxininiso : Imibutho yokulinganisa ibhekiselele ishishini lenkampani yomshuwalense. Incinci ingqwalaselo ingathetha ukuba inkampani iya kulahlekelwa ishishini ukuba utshintsho lweemarike.
- Izibonelelo zeMali : Inkampani enezibonelelo ezizinzileyo zemali inokukwazi ukuhlangabezana nazo zonke izibophelelo zayo zemali nokuhlawula amabango kumnini-nkqubo. Olu luleko lwemali oluqinileyo luya kunceda nenkampani yemozulu nayiphi na imeko yezoqoqosho ezinzima okanye iimeko ezingabonakaliyo kwimarike ngaphandle kweempembelelo ezimbi.
- Ukuthelekisa noontanga : Imibutho yokunyusa i-inshurensi ithathatsanisa ukusebenza kwezimali yenkampani yomshuwalense kunye neontanga-abo bathengisa iintlobo zeeinshorensi ezifanayo kwaye zifana nobukhulu kunye nokugcina imali. Abaqhubi abakhulu baphuma kunye nokulinganisa okuphezulu.
Ukulinganiswa kwamandla emali kwiinkampani ze-inshorensi kubaluleke kakhulu kwiinkampani zomshuwalense. Ukulinganiswa kwemali ebuthakathaka kunokuthetha ukulahlekelwa ukuzithemba kwabathengi nokunciphisa ikhono lenkampani yokwenza inzuzo. Inkampani eneemilinganiselo eziphakamileyo ezivela kwimibutho ye-inshorensi yeminyaka emva komnye unokuziva ukhuselekile ukubeka ishishini lakho. Inkonzo yabathengi kunye nokwaneliseka kwabathengi nayo inendima. I-JD Power kunye ne-Associates ibhasozela ukunyaniseka kwabaxhamli kumanqaku aphezulu kwi-inshorensi nganye efana nempilo, i-auto, ikhaya le-inshorensi yempilo.
Ukwenza Ukhetho
Wonke umntu ufuna ukufumana ixabiso elifanelekileyo kwi-inshorensi .
Kutheni uthengisa i-inshurensi nayiphi na into enzima kunokuba ifunekayo? Sebenzisa intlangano ye-inshorensi ukufumana iinkampani eziphezulu kwihlobo lomshuwalense. Ukusuka apho, unokunciphisa ukukhangela kwakho ngokuchaza imilinganiselo yakho. Unokugweba indlela oziva ukhululekile ngayo ngamava kumakhasimende xa uqhagamshelana nenkampani ngenqaku le-inshorensi. Ngaba umthengi unobungane? Ingaba kunika iinketho ezininzi zokuhlawula? Kufuneka unqume oko kubalulekile kuwe kwinkampani yakho yinshuwalense. Khumbula ukuthenga ngokucokisekileyo nokuqonda oko uthengayo. Ukuba kukho into ongaqondiyo xa ugqiba isicelo se-inshorensi, soloko uqinisekile ukuba ucele. Kwakhona kubalulekile ukubonelela ngolwazi oluchanileyo kunye nolwazi oluchanekileyo ukuze ufumane ingcaciso echanekileyo yomshuwalense.