Ukufumana utshintsho kwi-inshurensi yakho? Kungenzeka ngenxa yemida ekhethekileyo.
Abantu abaninzi bashiya ibango le-inshurensi baziva bephutshana, kodwa oku kunokugwenywa ngokuqonda oko kukulindele kwangaphambili. Enye yezinto eziphosakeleyo ezibangela ukuba abantu bazive bengenakuvuyela ukuhlawulwa kwamabango kukuba xa bacinga ukuba baya kuhlawulwa into ethile, kodwa ke bangahlawulwa ngokupheleleyo.
Isizathu sihlala singayazi imida yomshuwalense.
Ngokufunda malunga nemimiselo ekhethekileyo kunye nendlela anokuchaphazela ngayo, unokwenza izigqibo ezingcono malunga nokuba ufuna uncedo lokubhengezwa , okanye ukuba ufuna ukufumana ipolisi yomshuwalense ongcono kwiimfuno zakho.
Yintoni umda okhethekileyo wemfanelo kwi-inshurensi?
Umda okhethekileyo wemfanelo kwi-inshorensi yakho yinkomfa ngaphakathi kwegama lakho lomgaqo-nkqubo elichaza ukuba ubuninzi boba baya kuhlawulwa kwizinto ezithile ezichazwe ngaphambili. Akunakudideka kunye neziqulatho kunye nomda wepropati yakho kwiphepha lakho lokubhengezwa kwenqubomgomo yomshuwalense okanye ixabiso eliqinisekisiwe lehlala kuhlala liphezulu kakhulu.
Umzekelo owodwa wokumisela: Umgaqo-nkqubo wakho we-inshorensi unomda wemali okanye imali
Nasi umzekelo wemida ekhethekileyo kwipolisi yomshuwalense kunye nendlela anokuchaphazela ibango:
Umkhulu kaMariya wayephangiwe, kwaye amasela awazange athathe zonke iingubo zakhe zegolide kunye nesilivere kodwa wenziwa kunye ne-$ 1,500 ngemali enokuthi umkhulu wakhe wayeyilondoloze phantsi komatshini wakhe ngemvula yamvula.
Xa umkhulu wakhe wenza ibango le-inshurensi, wanikela ubungqina obufunekayo ukuba wayenalo i-$ 1,500 efihliweyo phantsi kwe-mattress; waqokelela iingubo zakhe zokuvavanya i-$ 16,000; kwaye inikezele ngeenkcukacha zesilivere ezongezelele kwi $ 6,000. Wanikezela kummeli wakhe wesibonakaliso ngenxa yobungqina bakhe befomu yokulahlekelwa kunye nokuzithemba kwaye wayenentembelo yokuba uya kuhlawulwa i-$ 23,500 yee-$ kuba oko kwakuyilahleko yakhe yangempela .
Unina kaMariya wathabatha imali engama-23,500 ngamatyala, kodwa inkampani yomshuwalense yayikhokhela i-$ 4,200! Kweneke ntoni?
Ngaphandle kwazo zonke iimpapasho ezicokisekileyo kunye nobungqina bexabiso lezinto ezibiwe, umkhulu kaMary ufumana i-$ 200 kuphela ngemali, i-$ 2,500 ye-silverware kunye ne-$ 1,500 kwizinto zokugqoka: i-$ 4,200. Isizathu sokuba ufumene le mali kuphela ngenxa yokuba ezi zixa eziphezulu zihlawulwa njengoko zichazwe kumncinci omncinci we "Imida ekhethekileyo yoxanduva" kwi-khontrakthi yakhe yomshuwalense. Kwakungekho nto ephosakeleyo, kuphela ukungaqondakali okukhulu kakhulu kwento efunyenwe yi-inshurensi.
Kutheni ungeke uhlawule ngokugcwele ukweba kwemali kunye nezinye izinto kwi-inshurensi yakho
Ngenxa yemida ekhethekileyo ye-inshurensi kwimali kunye nokuba uMama ka-Mary wayengakulungiselelanga ubucwebe kunye nesilivere kwi- rider okanye ukuvunyelwa okukhethekileyo , umkhulu kaMariya wayesephunxeni amawaka eedola ngenxa yokumahluko phakathi kwexabiso elibiwe, kunye nemali ephezulu ehlawulwa ngenxa yemida ekhethekileyo.
Inkampani yomshuwalense iya kuhlawula kuphela kwimida ekhethekileyo kwisivumelwano
Intsapho yacaphukisa ngenxa yokuba yayivalelwa ingatshintshiswanga kwaye ihlaselwa yi-inshurensi, kodwa zonke iinkcukacha zazingummiselo okhethekileyo. Umkhulu kaMariya akazange enze nantoni na engalunganga, kwaye wayenayo yonke ingcaciso ukuqinisekisa ubungakanani bakhe.
Kwakungekho nto. Inkampani ye-inshurensi ayingayi kuhlawulwa loo mali ngoba umgaqo-nkqubo awathengayo awuzange uyigubungele. Inkampani yomshuwalense iya kuhlawula kuphela oko bavumile ukuhlawula ngaphakathi kwesivumelwano.
Oku bekuye kwachithwa konke kwangaphambili ukuba bahlolisise imida ekhethekileyo ye-inshorensi xa bethenga umgaqo-nkqubo okanye bahlaziye iinkcukacha ngokuvuselela kunye nommeleli wabo we-inshorensi ukuba bafumane malunga nokongeza i- inshurensi yabagadi okanye ukufumana inkxaso ephuculweyo kwifomu engcono yomgaqo-nkqubo.
"Imilinganiselo ekhethekileyo yoxanduva" inkokhelo engakanani onokuhlawulwa ngayo kwibango
Ingaba unomshuwalense weRharens, Intshurensi yasekhaya okanye i- Condo yomshuwalense nkqubo , kukho imida efihliweyo ngaphakathi kwegama lomgaqo-nkqubo eliya kunciphisa imali enokuhlawulwa ngayo kwibango. Abantu abaninzi bakhangele imali yokuhlala yokuhlala, okanye ixabiso lempahla yomshuwalense kwaye ziqwalasele inani elibhaliweyo kwikhasi lokubhengeza njengexabiso elipheleleyo baya kuhlawulwa kwiibango, kodwa le nto iyingcamango enkulu.
Yonke imigaqo-nkqubo ineemilinganiselo ezikhethekileyo zomgaqo-nkqubo kunye nexesha abantu abaninzi bayazibona ngexesha lebango.
Kutheni kukho imida ekhethekileyo kwizinto ezithile kwiinshurensi zasekhaya?
Ukubonelela imida ekhethekileyo kwimigaqo-inshorensi kuqinisekisa ukuba indleko yomshuwalense ihlala ifikeleleke kuluntu jikelele.
Imida ekhethekileyo idla ngokunciphisa izinto kwixabiso "umntu onomyinge" oya kubakho ukwenzela ukuba kukho inani elifanelekileyo elinikezelwayo, kodwa oku kuhambelana nendlela yokuphila komntu ngamnye.
Kwakhona kubalulekile ukukhumbula ukuba imida ekhethekileyo kwizinto ezithile zenziwe ekuqaleni ngexesha leendlela zokuphila ezahlukileyo kwaye ixabiso lihlukile, kwaye nangona eminye imida ihlaziywa, abayikuqwalasela indlela yokuphila namhlanje, ngakumbi kwimimandla iteknoloji yabantu abazimeleyo okanye abaqeshwe ngabanye.
Umzekelo omhle womda wexesha lomgaqo-nkqubo unokuthi ube ngumgaqo-nkqubo onqanda imali ephezulu ehlawulwa kwi-$ 200 okanye i-$ 500. Umntu akadingeki ukuba abe nobutyebi ukuba abe needola ezingamakhulu ambalwa ngemali, cingela ukuba usebenzisa le ndlu kunye nabantu abambalwa abahlala kuyo. Kucacile, umda awuvumelekanga. Ngokona nxalenye, ityala abantu basebenzisa ibhanki ukugcina "imali eninzi" - umbuzo wimalini yemali enkulu? Imigaqo-nkqubo yomshuwalense ihlelwe ukujongana neemfuno eziphakathi. Ukuba awukho kuloo mbono, ufanele uhlolisise imida yakho.
Ukuze siqonde oku bhetele, makhe sijonge uluhlu oluyisiseko lweminye imida ekhethekileyo efumaneka kwimigaqo-nkqubo yomshuwalense.
Ufumana phi imida ekhethekileyo kwi-inshorensi yakho?
Ngaphambi kokuba siye ngaphaya kwemida ekhethekileyo, kunokunceda ukwazi apho ungabathola khona kumgaqo-nkqubo wakho. Ukusebenzisa umzekelo we-HO-3 nkqubo evela kwiNkampani ye-Inshorensi, phantsi kwesihloko esithi "Umthombo C: Ipropati Yomntu Wakhe". Ikhaya lakho, i- condo okanye i-renters yomgaqo-nkqubo yomshuwalense iya kulandela ifomathi efanayo kwaye izakuquka imida yakho ekhethekileyo kwicandelo elifanayo.
Zonke iinkampani zomshuwalense ziyahluke. Ezinye iinkampani zinika iindlela zokufumana imida ekhethekileyo, ngokunikela ngefomcale fomu okanye ukuvumela. Le ngcaciso ingasetyenziswe njengesikhokelo sokuxubusha iingxaki zakho nommeli wakho we-inshorensi onokwenza uhlalutye imida ethile ekhethekileyo yemfanelo kumgaqo-nkqubo wakho, okanye unokukwazi ukukunika umgaqo-nkqubo ongcono kunye nemida ephezulu.
Iiminganiso eziqhelekileyo eziqhelekileyo kwi-Intshurensi yakho kufuneka ukuba uqaphele
Nolu uluhlu lwemida ekhethekileyo yomshuwalense ehlawulwa kwibango kwizinto ezithile kwi-inshorensi yakho. Oku kungumzekelo wesamphelo esisezantsi; Umgaqo-nkqubo uqulethe ngaphezu kwezi zinto ngaphakathi kwemida kunye nezibonelelo. Oku kuya kukunika ingcamango jikelele malunga noko unokukhangela. Ngenxa yokuba imida iyahluka ukusuka kwinkampani kuya kwenkampani, inani lemida alikholiswe.
Yonke inkampani iyahluke, ezi ntlobo zingabonakali ukuba unayo le nto. Qiniseka kwaye ubuze malunga nokuba zihlanganisiwe, zichazwa njani kwaye zilinganiselwe:
- Iimali, iMali, amanqaku ebhanki, iimali, iintsimbi ezixabisekileyo njengegolide kunye nesilivere kunye namakhadi exabiso elondoloziweyo kunye namakhadi ahlakaniphile
- Iziqinisekiso, ii-akhawunti, izenzo, ubungqina bentyala, ileta zetyala, amanqaku, imibhalo yesandla, iirekhodi zomntu, iipaspoti, amathikithi kunye nezitampu
- Izixhobo zamanzi (phantsi kwemiqathango eyongezelelweyo kumagama omgaqo-nkqubo) kuquka nabakhweli bawo, iimpahla, izixhobo kunye neenjini zangaphandle okanye ii-motors
- Iidrara okanye izitishi ezingasetyenziswanga ngemigodi yamanzi
- Kukho umda kwixabiso elihlawulelwayo lokuhlaziywa kwezinto zokugqoka, iilindo, ii-furs, amatye anqwenelekayo kunye namanqabileyo anqabileyo xa elahlekelwe ngumba. Oku kusenokuba ngumgama oqhelekileyo oqhelekileyo ukususela ekubeni abantu basenayo imali ekubukeni kwindleko kunye neengubo zokugqoka, into eqhelekileyo yinto yomtshato. Ezinye iinkampani zomshuwalense zize zinike i-inshorensi ngokukhethekileyo ngamashishini omtshato xa ixabiso lawo liphezulu kakhulu xa lithelekisa kunye neziqulatho. Ngokomzekelo, nangona kunokwenzeka ukuba umntu unomgaqo-nkqubo wama-dollar wama-50,000 kunye ne-$ 25,000 isandi, akusoloko eyenza ingqiqo enkampanini yenkampani yomshuwalense ukuba iqinisekise ingqungquthela yokubaluleka kwenani lomntu ngamnye izinto. Kukho iindlela ezikhoyo kula maxesha ukuthenga i-inshurensi eyahlukeneyo okanye umgibeli onenkampani ye-inshurensi yexabiso eliphezulu okanye kunye neenqwelo zokugqoka ezikhethekileyo.
- Isiliva, igolide, kunye ne-platinum-ware okanye i-plated-ware when we lost theft. Nangona ezi zinto zingabonakali njengokuba bekunjalo kubantu bonke, abaninzi abantu banezinto abazuze njengefa, kwaye kufuneka kuqwalaselwe ezi zinto xa ucinga malunga nokufuneka uqinisekise.
- Izibhamu kunye nezixhobo ezihambelanayo xa zilahlekelwe ngubusela
- Kwipropati esetyenziselwa ukushishina ibhizinisi, le nkcazo ibinemida emibini, enye yayo ikhona "kwindawo" kwaye enye enye "isuswa kwindawo." Umda uhluka kakhulu kodwa unokuba ungaphantsi kwe-$ 500 ngaphandle kwendawo. Ukuba oku kusebenza kuwe, awuyi kufuna kuphela ukubuza malunga nomda okhethekileyo kodwa unokukhathazeka ngokukhutshwa komgaqo-nkqubo ongenakukugubungela ishishini elisekelwe ekhaya. Ukuqhuba ishishini ukusuka kwindlu yakho, nokuba yincinci, kunokukwenza ukuba i-inshorensi yakho ibe yinto engafanelekanga kwaye ungayiphumeli ukuba awuzange uyivakalise, kuxhomekeka kwinkqubo yenkampani yomshuwalense kwimashishini asekelwe ekhaya. Qinisekisa kwaye nixubushe oku nge-inshurensi yakho ukuba unayo nayiphi na ingeniso esekelwe ukusebenza kwasekhaya. Kubalulekile kuba akuphelelanga nje kuphela kwipropati kodwa nakwi-coverage yakho yemfanelo .
- Qaphela imida engaphantsi kwezi zinto zokuphila Iibhayisikili kunye nezixhobo zemidlalo, iifowuni zeeFowuni - iifowuni, iipilisi, njl. Kunye neekhomputer, ii-Gaming Devices, izixhobo zombane kunye ne-software ehlobene
- UbuGcisa boBugcisa, amaConftibles, kunye neqoqo. Ezi zinto zingabonakali kwiiNqununu eziKhethekileyo zeCandelo le-Inshishini kodwa zingabandakanywa okanye zingagcinwa kwezinye iindawo zamagama. Ukuba unayo nayiphi na uhlobo lwezinto zokulwa, ubugcisa obuhle okanye uqokelelo lwaluphi na uhlobo, thetha kwinshuwalense yakho malunga nokuba isiseko samabango esiza kubakho kwaye uyakufumanisa ukuba ngaba umyinge uphawulo okanye ungabandakanywa. Kukho imigaqo-nkqubo ehlelwe ukuba ifihle ngakumbi abantu abanezinto, ngoko kubalulekile ukuxubusha ukuba unayo nayiphi na yezi zinto ukufumanisa iinketho zakho.
Ingaba umda okhethekileyo onjengoko ungabonakaliyo kwibango ?
Le mida ayiyi kudideka kunye needucucable; i-deductible iya kusebenza kwezi zinto kwiibango ngaphandle kokuba kuchazwe ngenye indlela kwinqubomgomo yakho yomshuwalense.
Ngaba yonke imigaqo-nkqubo yomshuwalense ineemida ezizodwa kwizinto eziphathekayo okanye kwipropati yakho?
Ewe, zonke iinkampani ze-inshorensi ziqulethe iigatya kwigama elinciphisa imali ehlawulwa kwizinto ezithile. Nangona kunjalo, nangona zonke iinkampani zinemiqathango ekhethekileyo, azifani zonke. Enye inkampani inokunikela ngemida ekhethekileyo. Ezinye iinkampani zinokunikela ngeendlela ezahlukeneyo zokukhetha kuzo ukuba ukuba umthengi akadingi imida ekhethekileyo, bangakhetha umgaqo-nkqubo ongezantsi.
Ukuxoxa ngeMida ekhethekileyo kwi-Intshumo Yomshuwalense unokukugcina Imali
Ukuthatha ixesha lokuphonononga imida yakho ekhethekileyo kunokukugcina amawaka eedola ngeendleko ozihlawulayo kwi-inshorensi yakho rhoqo ngonyaka, kunye nokuba uhlawulwa kangakanani ibango:
- Mhlawumbi awunayo yezinto ezizodwa zemida, ngoko kukuvumela ukuba uthathe ipolisi engundoqo;
- Mhlawumbi ufuna i-inshurensi eyongezelelweyo kuba le mida ekhethekileyo ikukhathalela. Nguwe kuphela onokukumisela oku emva kwengxoxo kunye nommeli wakho we-inshorensi.
Musa ukuhlawula i-inshorensi ongayifuniyo, kwaye ungayinqumki ikhonkco ukuze ugcine imali kwi-inshurensi ngokungaqiniseki izinto ezibalulekileyo kuwe.
Umkhulu kaMariya wayeya kuhlawulwa ngokupheleleyo kwibango lakhe ukuba wayithathile ixesha lokufaka abagibeli okanye ukuvumela. Kusenokwenzeka nokuba wenza ngcono ngokukhetha umgaqo-xabiso ophezulu kunokuba ngumgaqo-siseko wesikolo ongazange ummbele yena xa ekugqibeleni wayefuna ukwenza loo mabango.