Ukuqonda i-DEC yakho Page - Yintoni ofuna ukuyifumana kwaye Kutheni ibalulekile
Inkcazo: Iphepha leNkcazo ye-Intshupha ngumqulu oyingxenye yenkqubo yomshuwalense wakho , ngaba ngamanye amaxesha ubizwa ngokuba "ikhasi le-DEC" yamaphepha akho yomshuwalense. Iphepha leNkcazo yeShorensi liza kufumana le nkcazelo elandelayo:
- Ngubani okhuseleko
- Yintoni eqinisekisiwe
- Indlela eqinisekisiwe ngayo (uhlobo lokubhengezwa)
- Ingakanani inikwe i-insured (imingcele yomgaqo-nkqubo)
- Kuza kube nini umgaqo-nkqubo we-inshurensi usebenza (iintsuku ezisebenzayo kunye nokuphela kwexesha)
Ikhasi lokubhengeza i-inshurensi linikezelwa kwinqubomgomo entsha yomshuwalense kunye nekota nganye yokuvuselela.
Ikhasi le-DEC lidla ngokuba liphepha lokuqala le-inshorensi; icacisa imida ephezulu kunye neengxelo ezikuyo kwisivumelwano sakho.
Inokuthi ibhekane namanqaku ambalwa ukuba uludwe lweengxelo ezifunyenweyo zithatha iphepha elingaphezulu kweyodwa ukuba uluhlu.
Yisetyenziswe njani iSibhengezo se-Inshorensi?
Ikhasi lakho lokubhengeza i-inshorensi lisetyenziswe njengesishwankathelo sokubhengezwa kunye neemeko zekhontrakthi yakho yomshuwalense. Inqubomgomo yomshuwalense inamaphepha amaninzi. Ukujonga kuwo onke amaphepha ukuqonda iziseko zepolisi yakho yomshuwalense kuya kuba nzima. Ikhasi lokubhengeza i-inshurensi lenza lula le nkqubo ngokunika umgaqo-nkqubo we-inshorensi ingqwalaselo eyisiseko yomgaqo-nkqubo wawo womshuwalense kwindawo enye ukuze zonke izinto zichazwe ngokucacileyo kunye neendleko ezihambelana nezibonelelo eziboniswe kwiphepha.
Ziziphi iinkcukacha ezibandakanyiweyo kwi-Declaration Declaration Page
Ikhasi lokubhengezwa kwe-inshurensi liya kubandakanya ngokubanzi ulwazi olulandelayo:
- Inombolo yomgaqo-inshurensi
- Igama negama lomnini-nkqubo
- Ngubani obizwa ngokuba ngumshuwalense kumgaqo-nkqubo
- Igama lekampani yomshuwalense, idilesi kunye nolwazi lokuqhagamshelana
- Ulwazi olufunekayo ukunika ibango
- Ukuchongwa kwepropati ekhuselekile
- Ziziphi iingxelo ezibandakanyiweyo
- Luhlobo luni lokubambisa umgaqo-nkqubo, umzekelo ifom yomgaqo-nkqubo, njengomnini wezindlu umninimzi we-HO-3 okanye ifomu leCondo, kwimeko yezithuthi okanye umbhobho wamanzi uhlobo oluthile lomgaqo-nkqubo luya kuthethwa ngaso.
- Imida ye-inshurensi nganye ngokukhawulelana, umzekelo umgangatho wokuhlala kwezindlu
- Ukukhutshwa kweentengo ngekota
- Ukuvunyelwa kunye nemida kunye neentlawulo
- Umhla osebenzayo umhla nomhla wokuphelelwa yisikhathi (Inkqubela yomgaqo-nkqubo we-Inshorensi iyasebenza kangakanani)
- Izaphulelo kunye neerhafu
- Ulwazi lweNqanaba leNkqubo
- Ixabiso le-inshurensi, eyaziwa ngokuba yi-premium
- Ukongezwa okubizwa ngokuba ngama-Insurets, afana ne-Mortgagees, iinkampani zokuqeshisa imali, iibhanki zemali-mboleko yemoto, okanye nayiphi na enye umntu onomdla ongenakukhuseleka kwipropati ngenxa yokubonelela ngemali kwipropati.
- Imida yo xanduva
Kutheni i-Declaration of Insurance Page ebalulekileyo?
Ikhasi leNgcaciso ye-inshurensi yinto ebalulekileyo kwinqubomgomo yakho yomshuwalense kuba:
- luchaza iingxelo eziphambili ezikhokelela kwindlela ibango liza kuhlawulwa ngayo
- yintoni imingcele yecandelo ngalinye lomgaqo-nkqubo
- iquka iiprayimali ezihlawulweyo malunga nokuthengwa okuthengiweyo
Ikhasi lokumemezela lilandelwa yinto yesibini ebaluleke kakhulu kwinxalenye yomgaqo-nkqubo wakho, igama lomgaqo-nkqubo ochaza ngokucacileyo nganye imigaqo efumaneka kwiphepha le-DEC kunye nendlela abasebenzisa ngayo ibango.
Uluphi ulwahlulo phakathi kweNkcazo ye-Inshorensi kunye neNgcaciso yeShorensi?
Ikhasi lokubhengeza i-inshorensi inxalenye yenkqubo yakho yomshuwalense.
Uya kuyifumana xa umgaqo-nkqubo wakho we-inshurensi ukhishwa, emva kwe-binder ye-inshurensi . Ikhasi lakho lokubhengeza i-inshorensi kufuneka limele ulwazi olufanayo oluthunyelwe kuwe kwi-binder ye-inshurensi. I-binder ye-inshurensi yayisisigxina sonyaka esichazela ukucacisa ukukhutshwa okuqinisekisiweyo xa ufumana iphepha lakho lokubhengeza i-inshorensi kunye negama lomgaqo-nkqubo.
Yintoni Okufanele Uyenze Ngomxholo Weziqinisekiso ze-Intshurensi?
Ikhasi lokubhengeza i-inshorensi liqule yonke ingcaciso ebalulekileyo malunga nenkontileka yakho yomshuwalense, kubandakanywa oko kuhlanganiswa, uhlobo lokubhengezwa ngoko kufuneka uhlaziye rhoqo iphepha lakho lokubhengeza i-inshorensi ukuqinisekisa ukuba yonke into echanekileyo njengegama lakho, idilesi kunye nenani le-inshurensi yemali. Ufuna kwakhona ukuqinisekisa ukuba uhlobo lomgaqo-nkqubo luyilo kanye olucelile.
Ukuhlola iiNgcaciso zakho zeNtshuwalense kunye neNkcazelo kwiSaziso sePolisi yakho
Iingxaki eziqhelekileyo ezifumaneka kumaphepha e-inshorensi yokubhengeza i-inshorensi zingabandakanya iimpazamo, njengegama elingenakuphikisa okanye umzekelo, ukuba ucele umgaqo-nkqubo wePerms Open kunye nenkampani yomshuwalense ingenza ingozi ngokukhupha umgaqo-nkqubo weeNkqubo zeePilisi.
Uyakukwazi ukufumana yonke le ngcaciso kwikhasi lakho le-DEC. Omnye umzekelo kwintengiso yomshuwalense, ukuba umntu ucele i-deductible ethile, kwaye ufumane umgaqo-nkqubo nge-deductible engalunganga.
Ukuba uthe wongeza ingxelo ngokuvuma , oku kufuneka kuvele kwiphepha lokubhengeza i-inshurensi.
Iphepha leNgcaciso ye-Intshurensi yakho ibonisa ukuba yiliphi igama
Yonke into oyicelile okanye eyavumelene nayo xa ukwamkela umgaqo wakho omtsha kufuneka ubonakale kwikhasi lokuvakalisa. Oku kubonisa ukuba unelungelo luni, ngoko jonga ngenyameko kwaye ungesabi ukubuza imibuzo. Xa usuyenziwe ukuhlaziya umgaqo-nkqubo wakho, kufuneka ugcine iphepha lakho lokubhengeza i-inshorensi kwindawo ekhuselekileyo, inxalenye yesikontraki sakho se-inshurensi.
Indlela yokujonga iphepha leNgcaciso ye-Intshurensi yakho
Ukusebenzisa uluhlu olungentla, ungahlaziya onke amacandelo ephepha lakho lokubhengeza i-inshorensi. Qinisekisa ukuba yonke into ikulindeleke kwaye ukuba awuyiqondi ixeshana, okanye into engenzi nto ibiza umnxeba wakho okanye ummeleli we-inshorensi ukuba acacise. Ikhasi lakho lokubhengeza i-inshorensi kufuneka lifunde umgca ngomgca ukuqinisekisa ukuba unayo ingxaki kwibango.
Imizekelo yokuhlola iKharityhulam yeShorensi:
- UJanet wayefuna ukufumanisa ukuba wayenokwanela ngokukhawuleza kumgaqo-nkqubo we-inshorensi yabanini. Wayekwazi ukubona ngokukhawuleza isixa-mali sokubhengezwa kwiphepha lakhe lokubhengeza i-inshorensi, eyayiyiphepha lokuqala lokuqala lomgaqo-nkqubo we-inshorensi yabanini.
- UMariya wafunda iphepha lakhe lokubhengeza i-inshurensi iphepha ukuqinisekisa ukuba yonke into ayeyicelile kwakumgaqo-nkqubo xa kufika. Waqaphela ukuba isaphulelo sakhe se-alamu sasingekho kumgaqo-nkqubo. Wabiza i-agent yakhe, kwaye wayenwabile ukufumanisa ukuba yashiywe ngengozi. Emva kokuba yongezwa, wathola iphepha elitsha lokubhengeza elibandakanya isaphulelo kunye nentengo ephantsi. Wayevuya ukuba wahlola zonke iinkcukacha xa efumene umgaqo wakhe omtsha.
- UFrank wafumana ukuhlaziywa kwenkqubo yomshuwalense wakhe. Wafunda iphepha leNgcaciso yeShorensi ukuze abone ukuba yonke into yayifana nonyaka. Yonke into ibonakala iyilungileyo, ngaphandle kokuba ifumene ukuba i-mortgage yayisaludwe kwaye yayikhokhele indlu yakhe ngonyaka. Wabiza ummeli wakhe we-inshorensi waza watshelwa ukuba ngokukhawuleza ukuba angathumela ubungqina obuye abukhokha imali yakhe yokubolekwa kwempahla, babeza kuthatha umboleko wemali kwipolisi. Bakuvuyela ukuba wabiza ngokuba kungenjalo, kwibango, isheke bekuya kwenziwa kuye kunye nebhanki. Wayevuya kuba ngoku uhlawule imali yakhe yokuthenga imali, wayenelungelo lokufumana isaphulelo semali yokuthenga.