I-inshurensi ingaba yibaluleke kakhulu, kodwa ingaba yinto engadingekile
I-inshurensi ibhishishini elikhulu kunye nemveliso emitsha kunye nemigaqo-nkqubo yenziwa ngokuqhelekileyo ukuhlangabezana nazo zonke iintlobo zeemfuno. Abanye ngokuqinisekileyo banokungalunganga, ngelixa abanye banokuvakalelwa njengengcamango elungileyo. Umfutshane wokusebenza nomcwangcisi -mali-based based-based-based fee, unokukhetha njani ukuba yintoni i-inshorensi wena kunye nosapho lwakho kufuneka ube nayo?
Ndiyincoma ukuqala ngeentlobo zemigaqo-inshorensi oyifunayo ukuqinisekisa ukuba unxibelele iziseko ezibalulekileyo. Xa loo migaqo ikhona, unokwenza ucwangco kwaye uqwalasela ezinye iintlobo ze-inshorensi ezinokubaluleka kwimeko yakho ekhethekileyo (njengomntu osesikhundleni somntu osesikhundleni kubani boshishino okanye imigaqo-nkqubo yokunyamekela ixesha elide ukwenzela ukukhupha ukunyuka kweendleko zokunakekelwa kwabantu abadala). Yaye ke, unako ukufumana ukuba yeyiphi ipolisi yomshuwalense engekho kwisicwangciso sakho semali.
3 Iimigaqo-nkqubo ze-inshurensi ezingenakuzifuna
Nangona kukho ngokwenene kuneenxalenye ezimbalwa zemigaqo-inshorensi enendawo yazo kwiiphothifoliyo zabantu, zininzi nje ukuba mhlawumbi ungcono ngaphandle. Ngelixa zivakala ngathi zikhangeleka kwiingcamango, ngokwenene, unokuchitha imali kwiiprayimari. Ezi zilandelayo iintlobo ze-inshorensi ziwela kwicandelo leenkcukacha ezininzi abantu abazidingayo.
1. I-Insurance Mortgage Insurance
Olu hlobo lwe-inshurensi lufumana ukwanda kweendaba ezikhoyo kumaphephandaba, kodwa mhlawumbi umgaqo onokuwenza ngaphandle.
Intsholongwane yempilo yomshuwalense ngumgaqo-nkqubo othembisa ukuhlawula imali yakho yokuhlawulwa kwemali xa usukhubazekile okanye ufa. Ukuba utshatile le nto ifana nombono omuhle, kunene?
Ewe, hayi kanye. Olu hlobo lomgaqo-nkqubo lugqithisela kuphela iinkqubo ze-inshorensi zakho ezikhoyo onethemba lokuba usuvele umqeshi wakho okanye ngokusebenzisa ipolisi eyahlukileyo (khumbula uluhlu lweminshurensi wonke umntu omele abe nalo)).
Xa kwenzeka ukufa kunye nomgaqo-nkqubo womshuwalense wobomi, umxhamli womgaqo-nkqubo ufumana inzuzo engasetyenziselwa nayiphi na iindleko abazikhethayo, kuquka ukuhlawula imali yakho eyabelweyo.
Kuqhelekileyo kubacwangcisi bezezimali ukucebisa ukuba umgaqo-nkqubo we-inshorensi yobomi ikhutshwe ngenani elingagcini nje kuphela umvuzo olahlekileyo womntu ofileyo, kodwa enye imali eyongezelelweyo ukugqithisa ezinye iindleko. Intsholongwane yempilo yomshuwalense ingaba yindleko-kwaye ayimfuneko - eyongezelelweyo kwi-inshorensi yobomi bendabuko. Ekugqibeleni, kutheni ukuhlawula i-premium yongeziweyo kwinto ethile enokusetyenziswa kwemali yomshuwalense wokhuseleko lwempilo?
Into ehla kuyo kukuba i-inshorensi yomshuwalense we-mortgage incinci kakhulu kwi-coverage yayo kwaye, ngoko ke, mhlawumbi ayilona lusetyenziso olungcono kwiimali-mali ze-inshorensi. Ubhetele ngokubambisana nomgaqo- nkqubo womshuwalense wobomi . Unako ukwandisa inshorensi yakho yobomi bomshuwalense ukwenzela ukucima ibhalansi yakho yokubolekwa kwemali xa kukho into oxhalabele ngayo.
2. Uhambo lwe-Travel and Flight
Iinkqubo ze-inshurensi zokuhamba kunye neenqwelo-moya zinikeza olunye uhlobo lokubhengezwa okungafuna ukuba uhlawule i-premium ye-inshurensi engayifumana i-coverage okanye inzuzo onayo.
Ngaphambi kokuba uchithe imali kwi-inshorensi yokuhamba, hlola impilo yakho yangoku kunye nemigaqo-nkqubo yokuphila ukuze ubone ukuba izingozi okanye ukulimala ngethuba lokuhamba okanye iindiza. Kungakumbi kunokuba kukho uhlobo oluthile lokubhengezwa olubandakanya. Kwaye xa kwenzeka intlekele, umgaqo-nkqubo womshuwalense wakho wokuphila kufuneka ukhankanye ukuba uyadlula xa uhamba.
Ukuba usebenzisa ikhadi lokuthenga ngekhredithi ukubhuka amathikithi okanye amalungiselelo okuhamba, uya kufuna kwakhona ukukhangela inkampani yakho yekhadi lesikweletu ukuba ubone ukuba ziphi na ukukhusela ukuhamba zifakwe ne-akhawunti yakho. Iinkampani ezininzi zekhadi zesikweletu zizenzekelayo ngokubonelela ngeenzuzo ezifana ne-inshurensi yokuqashisa imoto, i-inshurensi yokulahleka kwempahla okanye i-inshurensi yengozi yokuhamba njengenxalenye yesivumelwano sakho sekhadi. Ukuba ufumanisa ukuba usadinga enye inshorensi eyongezelelweyo ukugcina ingqondo yakho uxolo, unokuhlala uthenga umgaqo-nkqubo omncinci wokuhamba ukukhawulela izikhala kwi-postage yakho ekhoyo.
3. I-inshurensi yomshuwalense / iiNtsholongwane
Inkcazo yokugula efana ne-inshurensi yomhlaza iba yinto ethandwa kakhulu njengamazinga omhlaza kunye nokwazisa abantu. Kodwa ngaba ngokwenene utyalo-mali? Nangona unyango lwemhlaza lungena kunye nezinye iindleko zonyango, mhlawumbi ufuna ukuyeka ukukhangela umgaqo-nkqubo we-inshorensi ethile.
Isizathu? Kwiimeko ezininzi, i-inshorensi yempilo yonyango eyona nto iquka iindleko zonyango eziphathelele unyango lomhlaza. Ukuba unesifo esinokukhathazeka esinokunyanga, njengokonyango lomhlaza, ekushiye iindleko zokuphuma ngaphandle kwexesha xa ufikelela kumyinge wobomi bemivuzo, buyekeze ingxelo yakho yangoku ukuze ubone ukuba umgaqo-nkqubo uhlawula phi.
Esinye isizathu esichukumisayo se-inshurensi yomhlaza yomshuwalense singabonakaliswa kwemali kukuba ininzi yomshuwalense womhlaza ayigcini ngisho nomhlaza wesikhumba, uhlobo olumkhokelo lomhlaza. Akunjalo kuphela, kodwa i-inshurensi yomhlaza ayigcinanga iindleko zangaphandle eziphathelele unyango lomhlaza. Kwaye, kusoloko kunokwenzeka ukuba awukwazi ukufumana umdlavuza. Kuloo mifanekiso, kufuneka uphawule ngokuqinisekileyo oko uhlawulayo kunye nale migaqo yemigaqo.
Ngaphandle kokuba i- inshorensi yakho yempilo ingabonakali iindleko ezinxulumene nomhlaza okanye unakho amathuba okufumana uhlobo oluthile lomhlaza onokuthi lubekwe ngumgaqo-nkqubo, ungaphinda uchitha imali kwi-premium ongayisebenzisa kwenye indawo. Kwaye kwezinye iimeko, umgaqo-nkqubo wonyango ophambili awukwazi ukukugubungela ukuba unako ukufumana i-postageal coverage kwenye indawo kwiindidi ezifanayo zonyango. Njengoko naluphi na uhlobo lomshuwalense, qiniseka ukuba uyaziqonda iinzuzo kunye nemingcele ngaphambi kokuthenga umgaqo-nkqubo.