Indlela i-inshurensi ekhwela ngayo okanye imvume yokusebenza
Iyintoni injongo yokugunyazwa kwe-inshorensi?
Injongo yokwamkelwa ngumgaqo-nkqubo. Iinkampani ze-inshurensi zenza izibonelelo zokubonelela iinketho kuma-insureds ukwenzela ukufaka inkxaso okanye ukwandisa imida yokukhawulela, kodwa umgcini-mboleko unokukhupha ukuvumela okukhethekileyo ukukhawulela okanye ukukhawulela umrhumo. Uxhaso lwe-inshurensi lisetyenziselwa kwipropati kunye ne-inshorensi yokubulala. Unokuba unemvume ekhutshwe kwikhaya, abaqashi, i-condo, i-automobile kunye ne-inshurensi yemigaqo-nkqubo yomshuwalense, phakathi kwabanye.
Kuze kube nini ukuvunyelwa kwe-inshorensi kuvumelekile?
Ukuvuma kukuguqula umgaqo-nkqubo kwaye uba yinxalenye yomvumelwano wakho we-inshurensi yomthetho. Ihlala isebenza kuze kube yilapho iphelelwa ngumgaqo-nkqubo kwaye ingahlaziywa phantsi kwemiqathango efanayo kunye nemimiselo njengoko yonke imigaqo-nkqubo yakho. Okukungaxhomekeke kule nto ukuba ukuvuma kukucacisa ixesha elithile apho imvume ivumelekile.
Umzekelo wokubhengezwa kwe-inshorensi ngexesha elide
Ukuqinisekiswa okufundayo: "Kuyaqondwa kwaye kuvunyelwene ukuba uxanduva luya kwandiswa kwindawo eyongezelelweyo kwi-X dilesi ukususela ngoJuni 1, 2017, ukuya ku-Juni 30, 2017." iqulethe uluhlu lwexesha elichaziweyo lokuvuma okanye isivumelwano kwisilungiso somgaqo-nkqubo.
Kulo mzekelo, ukuvuma kukucacisa ixesha layo, ngoko ke ukuba umgaqo-nkqubo uphela ngo-Disemba 2017, ukuvunyelwa akuyi kuba yinto evumelekileyo kwixesha elipheleleyo lekhonterikethi kodwa kunokuba ihloniphe ixesha elichaziweyo.
Olunye uhlobo lokuvuma oluqhelekileyo elisetyenzisiweyo kwixesha elilinganiselwe libe yipemethe yezithuba okanye ikhaya elilungiswayo.
Umgaqo-nkqubo awuyi kukhawulela ngokuqhelekileyo olu hlobo lomngcipheko kwixesha elipheleleyo, kodwa ukuba uvumela inkampani yakho yomshuwalense ukuba yayazi ngemfuno yesikhashana, banokunika imvume yokuvala ixesha elide ngokungongeza ukuvuma oko kuchaza oko. Bangaphinda bakhethe ukunciphisa imibalelwano ngexesha lekota.
Iintlobo ezimbini zeNtshutshiso zomshuwalense
Ukunikezelwa kwe-inshorensi ngumqulu omtsha owamkelayo emva kokuba wenze utshintsho lomgaqo-nkqubo
Iyingxenye yesivumelwano sakho se-inshorensi kwaye kufuneka uhlale ugcina ikopi yalo ngamaxwebhu akho asekuqaleni.
Umzekelo: Ngamanye amaxesha kunokuba kuthethwe ukuba imvume ibeka inguqu yangaphambili yesivumelwano sakho, umzekelo kwimeko apho utshintshe idilesi, inkontileka yangaphambili yomgaqo-nkqubo kunye nedilesi yakudala ayisasetyenziswa. Kwimeko enjengaleyo, ukugunyazwa kufaka indawo yombhalo wesivumelwano sokuqala.
Umzekelo: uJulie noSam bahlukanisa kwaye uSam ubonisa ubunini bendlu kunye nemoto kuJulie. Ekubeni uJulie ubuye kuphela umnikazi obhalisiweyo kunye nomthetho wepropati, unokucela ukuba avunyeliswe ekhaya lakhe kunye nemigaqo-nkqubo ye-inshurensi yemoto esusa igama lika-Sam Amaxwebhu omgaqo-nkqubo ayamkelayo kunye nokulungiswa kuya kuba yi-endorsement. Ukuvuma kuya kubonisa nje uJulie nje ngokuba ngu-insured.
Oku kufaka inguqu yekhontrakthi ekhutshwe ngaphambili kwaye ukuvuma ngoku kuya kubonisa isivumelwano sokuvuselela isivumelwano se-inshurensi. Ukutshintsha i-insured ebizwa ngokuba ngumgaqo-nkqubo omkhulu, ipolisi yangaphambili kunye negama lika-Sam kulo liza kutshintshwa yi-endorsement entsha.
Ukuvunyelwa kwe-inshorensi kungabhekisela kwigatya okanye umgibeli
Xa kuvunyelwene kwongezwa kwenkcazo kumgaqo-nkqubo wakho, ubhala iziganeko ezongezelelweyo kwisivumelwano, ungeze i-coverage ezifana nomkhweli we-inshurensi, okanye ungeze imingcipheko kwi-coverage okanye imingcele elandela ukubhalwa phantsi kwenkampani yomshuwalense, ngoko inokuthi yenziwe njengendlela yokuvumela. Igama elilodwa lomgaqo-nkqubo okanye isivumelwano asichaphazeli, kuphela imigaqo emiselweyo, ngoko ke ukuvuma kuyakuba yongezelelo kumgaqo-nkqubo kwaye kufuneka kugcinwe kunye nexwebhu lokuqala.
Umzekelo: uElizabethe uyazibandakanya kwaye uyaqonda ukuba umgaqo wakhe womgaqo-nkqubo unomda ophantsi kakhulu weegolide , ucela imvume yokongeza into ehleliweyo: intambo yakhe yokubandakanya. Ukuvuma kuya kuchaza i-coverage entsha: iigrafu ezihleliweyo . Oku kuvunywa akuyiyo nayiphi na indlela ithatha indawo yomgaqo-nkqubo we-condo, nje kuphela wongeza umyalezo ngendlela yokukhwela.
Umzekelo: UJim wayedinga ukukhutshwa okongezelelweyo kwishishini lakhe lasekhaya. Wakwazi ukongeza ukunyanzeliswa kwe-inshurensi kumgaqo-nkqubo we-inshorensi yomnini-mali yangoku ukuze ahlawule ishishini lakhe.
Ngeentlobo zokuvuma ukugunyazwa kwe-inshorensi utshintshe imimiselo kunye neemeko zomgaqo-nkqubo kwaye uba yinxalenye yesikontraka sakho somthetho-inshorensi.
Ukunikezelwa kwe-inshorensi yindlela efanelekileyo yokongeza ukugqithiswa komgaqo-nkqubo wakho womshuwalense okanye wenze utshintsho ngaphandle kokuba ucele umgaqo-nkqubo omtsha kwaye unokubonelela ngezinye iinkonzo kumnini-nkqubo .
Uxhaso lwe-inshorensi lungasetyenziswa ngeendlela ezininzi zokuphucula umgaqo-nkqubo we-inshorensi kunye nokubonelela ngokugqithiseleyo kunye nomntu ngamnye wokubhengezwa kwabaphathi-nkqubo.
Isiseko seNtshumo-mali
Ukuqinisekiswa kwe-inshurensi yenguqu yenkqubo-nkqubo enokuthi
- Yongeza kwi-coverage yomshuwalense
- Imida okanye isusa ukuhanjiswa komgaqo-nkqubo
- Ukongeza okanye ukususa abantu kunye neendawo kwi-inshorensi
- Unokungeniswa phakathi kwekota
- Iimali-ntlawulo zinokulungiswa ngenxa yesigunyaziso se-inshorensi
Naliphi ixesha lakho utshintsho lomgaqo-nkqubo womshuwalense uzazise zonke iziphumo
Iimvume ezisetyenziselwa kwimigaqo-inshorensi ziyahlukahluka kuxhomekeke kwinkampani yomshuwalense kunye nohlobo lwenkampani yomshuwalense ekuvunyelwene ngayo. Ukuba ufumana idokethi ethi kukugunyazwa kwipolisi yakho, qinisekisa uze uyithelekise iphepha lakho lokumemezela inqubomgomo kunye ubone oko kutshintshile okanye qhagamshelana nommeli wakho we-inshorensi ukuqinisekisa ukuba uyayiqonda imiphumo yomqulu omtsha.
Xa ukugunyazwa kwe-inshorensi kunciphisa okanye kususe ukukhutshwa
Ukuba ufumana imvume kwi-imeyile, okanye kwinkampani yakho yomshuwalense kwaye ungazi ukuba kuyintoni, qiniseka ukuba ubiza umnxusa wakho we-inshorensi kwaye ufumane.
Ukuvunyelwa kwakhona kunokususa okanye kukhuphe umgca. Ngokomzekelo, ukunciphisa umthwalo kwisakhiwo, okanye ngaphandle kwemonakalo yamanzi kwipropati yakho, okanye ukwandisa imali yakho . Ezi meko zinciphisa ukukhawuleza kwaye zinokukhutshwa njengeziqinisekiso ezigunyaziwe zenkampani ngokusekelwe kwiinkxalabo zokubhala phantsi.
Uxhaso lwe-inshurensi lunokunika iingenelo ezibalulekileyo okanye umda kumgaqo-nkqubo wakho, qinisekisa ukuqonda ukuba zeziphi iimvume ezitholakalayo kumgaqo-nkqubo kunye nendlela ukuvunyelwa ngayo ukutshintsha umgaqo-nkqubo wakho we-inshorensi ngoku ngokubuza ummeli wakho we-inshorensi.
Umzekelo: UJeff unquma ukubiza umnxusa wakhe we-inshorensi ukuba afune ukuba yeyiphi na indlela yokuvumela enokufumaneka kwi-inshurensi yemoto yomshuwalense. Igosa lakhe liyamxelela ukuba akanalo inzuzo yokubambisa imoto kwipolisi yakhe, kwaye unokuyongeza njengendlela yokuvumela okanye ulinde de iqule umgaqo-nkqubo wakhe uvuselelwe kwiinyanga ezili-8. Uthatha isigqibo sokuba athathe i-coverage ngokukhawuleza nje ngokuvuma. Kwiinyanga ezintathu kamva imoto yakhe yonakaliswe ngengozi. Ngenxa yokuba wongezelela imoto yokuqashisa imoto yokuqeshisa phakathi kwexesha elide ngokuvuma, kufuneka asebenzise imoto yokuqeshisa ngelixa elindele ukuba imoto yakhe ilungiswe kwaye inkampani yomshuwalense ikhokhelwa yonke into. Ukuba wayengenayo imvume, wayenamathela ngaphandle kweemoto iintsuku okanye bekufuneka ahlawule ephaketheni. Wayevuya kakhulu wabiza ukuba afune malunga nokukhetha kwakhe okungeziwe kwaye wongezelela ukugqithiswa phakathi kwexesha elide ngokuvuma.