Kuphi Ukufumana Umlinganiselo Webhayisiki Yakho Nento Ongayifumana Ngomshuwalense
Kwiqela elidala lama-25 +, bekukho izigidi ezingama-26.1 ezithatha inxaxheba kwimisebenzi yebhayisikili. Zizinto ezininzi zebhayisikili ezisetyenziswa ngabantu ngosuku ngalunye!
Ngaba iBhayisikili ifakwe nge-inshurensi?
Iindaba ezilungileyo kukuba iibhayisekile zihlanganiswe njengenxalenye yeziqulatho kumnini-yindlu yakho, umnini-mali okanye umgaqo- inshurensi womgaqo-mali phantsi kwecandelo lequlatho yomgaqo-nkqubo, ngokungakhathaliseki ukuba umda wakho wokulinganisela ukwanele ukufihla ibhayisikili yakho, kwaye nje akukho ukukhutshwa okanye umda okhethekileyo wemfanelo kwipolisi ethile malunga neebhasikidi. Ukuba ibhasikidi yakho ifakwe kwipropati yakho yepropati yakho kwimiqathango ekhankanyiweyo ngasentla, ngokuqhelekileyo iya kuxhomekeka kwi-deductible .
Iyintoni Ibhayisikili Eliqhelekileyo Elifihliweyo?
Wonke umgaqo-nkqubo we-inshorensi uhlukile. Unokuba nomgaqo-nkqubo ojongene nayo yonke ingozi okanye iingozi ezivulekileyo, okanye omnye oza kufikelela kwiingozi ezizodwa zepropati . Umgaqo-siseko ojongene neengozi ezichaziweyo uza kukugubungela ukweba nomlilo, kunye nezinye iingozi.
Ngaba iBhayisikili okanye iCycleling Apparel?
Nangona ezininzi i-inshurensi yeebhayisikili zisebhayisiki zithetha ukuba iingubo zokuhamba ngebhayisikili ayikwazi ukugqitywa yinshurensi yasekhaya, ukuba isambatho sokuhamba ngebhayisikili singabandakanywa kwicandelo lakho loqulatho lomgaqo-nkqubo, ngoko ayiyi kubandakanywa, kwaye ngoko ke inokuthi ihlanganiswe nemingcipheko ecacileyo njengabo bonke ezinye izinto ezivela ekhaya lakho.
Nceda ubuze ummeli wakho we-inshurensi malunga nale nto ngaphambi kokuba ucinge ukuba ayifakwe.
Yonke ingozi yokuBambisana ngokubanzi kunye nomGaqo weePilisi ezibizwa ngokuba yiBilecle
Umngcipheko ovulekileyo okanye umgaqo-mngcipheko wonke uza kuba neyona ngxelo ebalulekileyo, ngakumbi xa unokuqwalasela zonke izinto ezingahambi kakuhle ngebhayisekile. Umzekelo, kuba ipolisi evulekileyo iphambili isekelwe kwingcamango yokuba ngaphandle kokuba into engekho ngaphandle okanye ingagqithwanga, ihlanganiswe.
Ufumana ukukhutshwa kuzo zonke iintlobo zezinto ezingabandakanywa. Eminye imizekelo ingaquka ukunyamalala okungaqondakaliyo, okanye umzekelo, ukuba uxakekile uthatha i-selfie kwaye awuqondi ukuba ushiye ibhayisikili yakho kufuphi nomda wee-rapids kunye nebhayisikili yakho ngokukhawuleza i-slides ibe emlambo kwaye ibonakaliswe ngaphandle kokulungiswa . Kwiingozi ezivulekileyo okanye umgaqo-nkqubo opheleleyo, ukuba ngaba umonakalo ungabandakanywa, uhlanganiswe.
Kwiingozi ezichaziweyo, okanye umgaqo-nkqubo wengozi, ukuba umonakalo ungaboniswa, ngoko awufihliwe. Le ndlela ifom. Unokucela ummeli wakho we-inshorensi malunga noko kufunyenwe kwaye uhambe ngoku ngokukodwa malunga nomgaqo-nkqubo wakho ngoba njengoko ubona oko kwenza ukubahluko omkhulu kwizinto onokuzibango.
Ingabe ibango liyahlawulwa njani ngebhayisiki? Ingakanani Unokuyilindela Imali?
Ukuba ibhayisekile yakho ibonakaliswe ngenxa yengozi ethile engumgaqo-nkqubo wakho, njengokuba ukweba, umzekelo, kuya kufuneka ukwazi ukuba i-inshurensi yakho ibandakanya ixabiso lokubuyisela, okanye ixabiso langempela lemali ukuze ukwazi ukuba uza kufumana phi imali.
Ukuba umgaqo-nkqubo uquka ukuhlawulwa kweendleko zebhayisiki yakho eyebiweyo, ngoko unokulindela ukuba ukwazi ukufumana ixabiso eliza kuthatha ukutshintsha ibhayisiki lakho elidala kunye nomgangatho omgangatho ofanayo kunye nesitayela. Ngamanye amaxesha unokufumana uhlawulelo oluyingcipheko olugqubuthela ixabiso elithinteleyo, uze ufumane intsalela yesixa-mali, ngaphantsi kwe-deductible (ukuba i-deductible is applicable) xa ubonisa ukuba ususe endaweni yebhayisikile ngokubonelela ngeerisi. Inkampani nganye yomshuwalense iya kusebenza ngokuhlukileyo. Unokufunda okungakumbi ngeendlela ezahlukeneyo ibango lihlawulwa kwi- tip number 6 kwinqaku lethu malunga nokuqonda ukhetho lwe-inshorensi yasekhaya .
Iimfuno zokubambisa izibhengezo ezisisiseko ezibonisa ukuba ingaba imali ehlawulwayo ibango:
- Ixabiso langempela leeCash - elona xabiso elithintekayo ngexesha lokulahleka
- Iindleko zokubuyisela - ixabiso lokubuyisela into
- Ixabiso elivunyelweneyo - oku akuqhelekanga, kodwa ingaba imeko xa uthengela ipolisi ekhethekileyo, okanye ukuba wongeza umkhwele ukugubungela ibhayisikili ngokukodwa. Kufuneka ucele ummeleli wakho ukuba ngaba kukho ukhetho, ngoko oko bangakwenzayo bavumelana nenani le-inshurensi elinqunywe ngaphambili kwibhayisiki yakho ngaphandle kokunciphisa ibango. Oku kufana nezinye i- inshorensi yento ekhethiweyo eyongeziweyo kumgaqo-nkqubo, njengempahla yezithombe okanye iigugu.
Umzekelo wexabiso langempela leeCash kwiBango leBhayisikili
Ukuba isiseko samabango ukulungiswa kwipolisi yakho yixabiso langempela lemali, qaphela ukuba oku akuthethi ukuba ufumana imali eyaneleyo yokufihla ibhayisiki lakho elitsha. Oko kuthetha ukuba baya kukunika ixabiso elithinteleyo lebhayisikili. Oku kudla ngokulingana nesiqingatha sexabiso lokutshintshwa, ukuba i-bike isanda kutsha, ngoko ayiyi kuhlaziywa kakhulu, ngoko unako ukufumana ngaphezulu, kodwa awuyi kufumana i-100% yexabiso lexabiso lebhayisiki entsha Imeko yexabiso leCash. Ngaphezulu, musa ukulibala ukuba ngaphambi kokuhlawula ixabiso, baya kutsala i-deductible, ukwenzela ukuba ungeke ufumane inkokhelo xa ixabiso lakho elichithwayo lidlulayo kwixabiso eliza kuhlawulwa.
Ngaba kufuneka wenze iBango kwi-Intshurensi yasekhaya kwiBhasiki eyebiwe?
Ukuba wenza ibango lakho kwi-inshurensi yasekhaya phantsi kwepropati yokubaluleka kwendawo yakho kubalulekile ukwazi ukuba uza kulahleka kangakanani na ukuba uhlawulelwe kwaye ukuba uya kuhlawulwa ngokulahlekelwa isaphulelo semali-ntlawulo ngenxa yesibango sakho.
Ukuba ulahlekelwa isaphulelo samahhala se-25% semali kwi-inshorensi yakho yasekhaya, kwaye ulahlekelwa yi-$ 500 yenani elifunayo ukufaka ibango kwi-deductible, ngoko unokuba ufuna ukucinga ukuba kunengqiqo ukwenza ibango kwinshurensi yakho yasekhaya ngebhayisiki. Ixabiso lebhayisiki iba yinto ebalulekileyo kule meko.
Xoxa ngale ngxaki kummeli wakho we-inshurensi ngaphambi kokuba ube nebango ukwenzela ukuba unokwenza isigqibo malunga nokuba ufuna ukuthenga i-inshurensi eyongezelelweyo kule meko, okanye ukuba ulungile ngokumangalisa ukuba ibhayisekile ibanjwe. Ukuba ibhayisekile yakho ibalulekile, ke kukho ezinye iindlela zokuqwalasela kwaye kulungile ukwenza oku phambi kokuba ibango lenzeke.
Ngaba Ibhayisekile Yakho Iqinisekisiwe Xa Uhamba?
Ininshurensi yakho yomnini-mboleko ikufaka wena kunye nepropati yakho yangasese isuswa kancinci naphi na emhlabeni. Ngoko ke ukuba uhamba ngebhayisekile, kuya kubakho xa uphantsi kwakho kunye nokulawula, njengoko kuya kwenzeka xa uhlala ekhaya.
Ukuba ubeka ibhayisikili yakho ezandleni zenkampani yezothutho, uya kufuna ukukhangela inkampani yakho yomshuwalense malunga nendlela ehlanganiswa ngayo ngeli xesha, kuba ingaba yinkampani yesithathu eya kubanjelwa umonakalo xa ibhasiki ekunyamekeleni kwabo. Ezi meko zinokuba zikhohlisayo, ngoko qiniseka kwaye ubuze ukuba awuyi kuba ngumlawuli webhayisiki yakho ngamaxesha onke xa ujikeleza ngehlabathi.
Ingaba Inkonzo Yakho Yomshuwalense Yempahla Yomntu Wakho Ingozi Eya kuBhayisikili?
Ubunikazi bakho bepropati yakho yomgaqo-nkqubo womshuwalense wekhaya uya kuphazamisa kuphela ukulimala kwebhayisikili ukuba umonakalo uvele ngenxa yengozi ekhuselekile.
Ukuba uqhuba ibhasikidi yakho emthini, umzekelo, kwaye umgaqo-nkqubo uchazwe ngeengozi okanye iingozi ezibizo, njengoko sixoxwe ngasentla, ngoko umonakalo ebhayisekile awanako ukukhutshwa.
Umgaqo-mngcipheko wonke unokubhengeza oku ukuba iimeko zelo meko zingabandakanywa . Kukho ezinye iindlela ezikhethekileyo ze-bhaskri ongakhetha kuzo ungaphinda ufune ukubheka ukuba ngubani ongaphezulu kwesi sikhewu ukuba oku kubalulekile kuwe kwaye ufumanisa ukuba akuyi kuhlanganiswa phantsi komgaqo wakho wangoku.
Ukulimala kwakho kwimeko yengozi yebhayisikili
Ukuzilimala kwakho okuzibangelwa wena ngephoso yakho akuyi kuhlanganiswa phantsi kwekhaya, umgaqo-nkqubo okanye umqeshi womgaqo-nkqubo.
Ngokuqhelekileyo kuwela phantsi kwe-inshorensi yempilo. Nangona kunjalo, xa kuthelekiswa, ezinye iinkqubo zemfundo zomshuwalense yebhayisiki ezikhethekileyo zingabandakanya ukukhutshwa kwenzakalo , kufuneka nje ukuba unqume ukuba sele unayo loo ngxelo nge-inshorensi yakho yempilo, okanye endaweni yengozi yomntu. Musa ukuthenga inshorensi kabini ukuba awuyidingi. Ukuphonononga iphothifoliyo yakho epheleleyo ngaphambi kokuba ugxume kwi-inshurensi ongayifuniyo, abameli bakho bomshuwalense banokukunceda uhlolisise oku. Ngamanye amaxesha ukukhetha ukuthenga umgaqo-nkqubo wengozi kunokubhenkceka kuwe kuba kunokukugubungela kuzo zonke iintlobo zeengozi, kungekhona nje kwibhayisiki yakho. Iinkampani zekhadi zekhredithi zize zinike le ngxelo ngezinye iinkcukacha. Zininzi iindlela zokukhetha.
Ziziphi iindlela zokufaka iBhayisikili?
- Unokwazi ukuba nebhayisiki yakho ngokuqinisekileyo uyagcinwa ngokuqinisekileyo phantsi kwe-inshurensi yakho yasekhaya, njengoko kuthethwa ngaye ngasentla, ngokwemiqathango yemigaqo kunye neemeko kwaye kuxhomekeke kwi-deductible
- Unokuthenga umkhwele okanye ukuvumela ukuba ungeze kwi-personal coverage yakho ukwenzela ukuba ufumane ibhayisekile engcono kwaye mhlawumbi ugweme i-deductible kwibango.
- Ungathenga i-inshorensi ekhethekileyo yebhayisiki kunye nenkampani efana neVelosurance, i-Markel Insurance okanye ezinye iinkampani onokuzifumana ngokukhangela inthanethi . Ukucela abahlobo okanye imibutho efana nebhola yebhayisikili njengeBicycle Adventure Club (okanye abanye), umthengisi wakho okanye abanye abahlobo. Abathanda ukuhamba ngeebhayisikili banamagama amaninzi angaphakathi okanye iiphakheji ezikhethekileyo abanokukwazi ukukuxelela malunga nokongeza kwiingongoma zakho zokuthelekisa.
- Ukuthenga ngeenxa zonke kwindawo yakho kwaye uthetha nabathengisi beebhayisiki okanye abahlobo beebhayisikili ukufumana ukuba amava abo baye bafumana njani ukukhetha uphando lwakho. Yazi zakho iinketho ngaphambi kokuba wenze isigqibo.
Ngaba Ufanele Uthenge i-Inshurensi ekhethekileyo kwiBhayisikili okanye kwiiVikethi zeentaba?
I-inshorensi ekhethekileyo inokubonelela ngegalelo eliza kubandakanya iingozi ezininzi kunokuba umgaqo-nkqubo womshuwalense wekhaya. Ngokuxhomekeke kwiimfuno zakho kunye naluphi uhlobo lwemisebenzi oyenzayo ngebhayisikili yakho, oku kunokukhethwa kukho. Nazi ezinye zezinto onokuzibuza umgcini-mali we-bhisikidi oyimfuneko ukuba uzama ukufumanisa ukuba ufumana ipolisi emhle. Uza kubona kwiphepha elingezantsi ukuba ukufikelela kungabanzi kakhulu, kwaye kuvumela ukufumana ingxelo ngexesha lezemidlalo kukhuphiswano kumaxesha amaninzi. Inzuzo ephambili ayinayo ibango kwi-inshurensi yomshuwalense wekhaya kwaye inobungozi yokuba ukwanda kwe-inshurensi yasekhaya ngenxa yokulahlekelwa kwesaphulelo se-free-free.
I-Bicycle Insurance? Ngaba Kuyafaneleka? Yintoni efihliweyo?
Nalu uluhlu lwezinto ezifunyenwe ngabanini-bhaki bodwa besikhokhelo esicwangcisiweyo esingaqhelekanga kubanjwe yinshurensi yasekhaya okanye i-inshurensi yangaphakathi.
Ezinye zezi zinto zingabandakanywa ngenxalenye yomshuwalense wasekhaya, kuboniswe nge-* nangona kunjalo, umgaqo ngamnye uhlukile kwaye awukwazi ukugqitywa kwinqanaba elifanayo i-inshorensi ekhethekileyo iyakubhenca oku.
Iprogram nganye ye-inshurensi ye-bhoksi ye-bhisikidi iya kuba yinto eyahlukileyo, ngoko kwakhona, ezi zinto zingasetyenziswa njengoluhlu lokukhangela ukuze ufumane oko kufunyenwe kwaye wenze isigqibo. Kukho ezinye iinkcazo okanye iingeniso ezifumanekayo kuxhomekeke kwinkampani oqhagamshelana nayo, kwaye nganye into ingaxhomekeke kumda. Qiniseka kwaye ufumane.
Nguwe kuphela onokugqiba ukuba ngaba ufanelekile, kodwa kulungile ukwazi ukuba zeziphi iintlobo zokubhengezwa ezikhoyo ukwenzela ukuba wenze isigqibo kwaye uqhathanise ukhetho lwakho xa uthetha kummeli wakho we-inshorensi, i-agent okanye umthengisi.
Iibhayisikili ezizodwa okanye i-Cyclist Insurance Examples
- Ukuqashiswa kweBhayisikili yokuTshintshela xa i-bike yakho ibonakele
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- Ubungakanani bexabiso *
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- Ukukhuselwa koThutho
Ngaba Ufuna Inyununu Yemfanelo Yeebhayisikili?
Umnini-mnini wakho, i-condo okanye i-inshurensi ye-renters ihlanganisa uxanduva lwakho oluxhomekeke kwimimiselo yomgaqo-nkqubo kunye nezibonelelo. Umthwalo wakho wobuqu unokubonelela ngokukhawuleza xa ulimaza umntu xa ekhwele ibhayisiki ukuba unembopheleleko. OKUNYE >>
Ngaba Ukuthatha Inxaxheba KwiMqhudelwano okanye iMidyarho Ehlanganisiweyo?
Ukuba uthatha inxaxheba kwimidlalo okanye eminye imisebenzi ehleliweyo, uya kufuna ukukhangela inkampani yakho yenkampani yomshuwalense kuba nayiphi na isigxina esithathwa ngesivumelwano singabandakanywa, kunye nexanduva lemisebenzi yezobugcisa, kunye nokugijima okanye ukhuphiswano. Nangona kunjalo ezinye zeenketho esizixelile ngasentla kwi "Iindlela zokuQinisekisa iBhasiki" zingabonelela ngolu hlobo lomngcipheko. Kubaluleke kakhulu ukuxoxa nge-inshurensi yakho kwaye uqinisekise ukuba unesigodlo osifunayo okanye unokubanjelwa kungekho nkonzo yomshuwalense kule mi sebenzi kunye nobungozi.
Ngaba kufuneka ubize i-Intshurensi yakho xa uthenga iBhasiki elitsha?
Ukuba utyalomali kwibhayisiki entsha, yinto efanelekileyo kakhulu yokuqhagamshelana nenkampani yakho yomshuwalense ukuba ubazise malunga nokuthenga okutsha. Baya kuba nako ukuphonononga umgaqo othile kwaye bakuxelele:
- ukuba kukho nayiphi na imida ephathelene neebhasiki okanye izixhobo zemidlalo
- oko kuya kukwenyulwa xa kuya kufuneka ukuba wenze ibango lakho ngebhayisekile
- ukuba kukho umkhweli okhethekileyo okanye uvumelekileyo ungongeza kwipolisi yakho ukufumana inshuwalense engcono yebhayisekile
Ukuthatha ixesha lokuxoxa ngazo zonke phambi kokuba ibango liyakumisa ukuba yintoni okumele ulindele, kwaye ukuba uthe wafaka imali ebalulekileyo kwibhayisiki yakho entsha, okanye ube neebhayisikili ezininzi ekhaya lakho, kuyakuxabisa ukufumana. Kwi-adventure yakho elandelayo yokuhamba ngebhayisikili, ukuba kukho into ehambileyo, uya kuba noncedo kunye nesigcino ozifunayo.