Ulwazi olubanzi malunga nokugcina imali kwiNtshurensi yakho yasekhaya
"Kutheni Ndifanele Ndihlawule" Ezinye izakhiwo "Ukuba andinayo na?"
Umbuzo onengqiqo, kodwa ngaphambi kokuba siphendule, masiqinisekise ukuba siyayiqonda into efunyenwe kumgaqo-nkqubo we-inshurensi yasekhaya kunye noko "ezinye izakhiwo" okanye "izakhiwo ezongezelelweyo" (eyaziwa nangokuthi "izakhiwo ezithintekayo") zihlanganisa.
Ixabiso lisebenza njani kwiNtshurensi yasekhaya?
Imigaqo-nkqubo ye-inshurensi imiselwe ukuba ifake ezinye iinkalo ezisisiseko kuwo wonke umgaqo-nkqubo womnini-propati . Nangona i-exclusions kunye nohlobo lokubambisa olusebenza kwiqumrhu ngalinye lomgaqo-nkqubo womninikhaya lihluka kwi-insurer kuya kumgcini-mali, iinqununu ezisiseko zihlala ziziqalo zokuqala:
- Ukwakha
- Ezinye izakhiwo
- Iipropati zomntu okanye iziqulatho
- Ukulahlekelwa kweNtsebenzo okanye iiNdleko zokuHlala ezongezelelweyo
Esi sakhiwo sisekelwe kumaphesenti esicatshulwa esiyinhloko esibalulekileyo sakhiwo. Ngokomzekelo, ezinye izakhiwo zingabikho ukusuka kwi-5% ukuya kwi-20%, i-Personal Properties ingaba nayiphi na indawo ukusuka kwi-40% ukuya kwi-70%. Ihlukahluka kwinkampani yenkampani yomshuwalense kwinkampani yomshuwalense, kwaye i-coverage ngqo ichazwe kwigama lakho.
Ngokungafani nomgaqo-nkqubo we-inshurensi yemoto, apho unokugqiba isigqibo sokuba ufuna "indlela enye", uXanduva, ulwalamano okanye uqonde (i-windshield, ulwabiwo, umlilo, njl.), Umgaqo-nkqubo wakho womshuwalense wekhaya awuhlanganiswa.
Ngokuqhelekileyo uhlawula ngokusekelwe kwisiseko esiyinhloko: isakhiwo; ngoko ufumana ezinye izinto "ezibandakanyiweyo kwixabiso". Iphakheji. Unokukuthelekisa kuzo zonke izithuba zokuhlala, apho ufumana yonke into efakiwe. Ukuba ubaxelela ukuba ungumhlaza, ngoko awuyi kudla inyama, abayikuguqula intlawulo.
Yile ngcamango yale mikhakha. Igcina isilula, ngoko ke zonke iziseko zenziwe. Ngoko, kwiimeko ezininzi, awukwazi ukugcina imali kwi-inshurensi yakho ngokucela ukuba ususe isakhiwo sokuxhamla okanye ukulahleka kokusetyenziswa.
Zingaphi Zigqitywa ngu "Ezinye izakhiwo" kwiNkqubo yoMgaqo-nkqubo?
Kwiphepha lakho lokumemezela komgaqo-nkqubo umda we-inshurensi yezakhiwo ezongezelelweyo uya kufakwa ngokufutshane nexabiso le-inshorensi kwi " Isakhiwo sokuhlala ."
I-coverage iya kudla ilingana ne-10% yesamba sakho sokwakha, ngokomzekelo, ukuba isakhiwo sakho okanye indlu yakho iqinisekisiwe kwi-$ 300,000, unokubona inani elingu-30,000 edibeneyo. Inqubomgomo ye-inshurensi inikezela imida engundoqo, oku kuphela isikhokelo esisetyenzisiweyo njengomzekelo, nceda khangela ukuba ummeli wakho we-inshorensi uqiniseke ngokulinganiselwa kwakho.
Andikho izakhiwo ezongezelelweyo, ngaba ndiyakususa ezinye izakhiwo kwipolisi kwaye ndoloze i-10%?
Ngaphambi kokuba sixoxe ngokususa i-coverage, makhe siqiniseke ukuba siyayiqonda into ithetha ngayo.
Ukuqonda okokuthi "Ezinye izakhiwo" kwiNkqubo yeKhaya kuthetha
Umzekelo obalaseleyo we "Ulunye Ulwakhiwo" igaraji elingaqhotyoshelwanga kwikhaya lakho. Nangona kunjalo, ukongeza kwiigaraji, kukho ezinye izinto ezinokuthi ziwele kwicandelo:
- Garaji
- Izindlu zePhulo
- Ukuhambisa
- Gazebos
- Iindwendwe
- Barns
- AmaHlathi okanye iItown Outdoor Dining Huts, njengoko kuboniswe kumfanekiso okhankanywe ngentla.
Ngelishwa, nangona ungenayo yezinto ezi zinto, awukwazi ukucima ukukhutshwa kwenkqubo yakho. Kwezinye iimeko, i-insurer ingahle ingabandakanyi iziganeko ezithile zecandelo elongezelelweyo xa ziziva zifuna ukulungiswa okanye zibe yingozi ngenxa yokungabikho kokugcinwa . Kule meko, kuya kuba yinto engaqhelekanga ukubona ukunciphisa ixabiso lomgaqo-nkqubo wakho ngenxa yoko.
Kutheni Ndifanele Ndihlawule Ubungqina Bomshuwalense Ukuba Andiyidingi?
Uninzi lwabahlali bezindlu banezakhiwo ezongezelelweyo, kwaye yile nto ipolisi yakhiwe ngale ndlela: ukuqinisekisa ukukhuselwa okwaneleyo kuninzi kwaye kungekhona okunye.
Ngokuqhelekileyo, "izakhiwo ezongezelelweyo" azinakunyulwa ngokukhawulezileyo nge-10%, kwaye abantu banokuba badibanise ukukhupha umgaqo-nkqubo ukuba baqinisekise ngokufanelekileyo okanye bathenge umgaqo-nkqubo ophezulu kunye nemida ephezulu.
Yintoni Ndingayinciphisa Ukugcina Imali Kwimishurensi Yam?
Ezinye iinkampani zinokukunika ukhetho lokunciphisa ukukhutshwa kwezinto ezikuyo, kodwa kwakhona kukho imeko kwimeko yimeko. Ungabiza umnini-mali wakho kwaye ubuze. Kuqhelekileyo kwiimeko apho ikhaya likhuselekile ngexabiso eliphakamileyo kakhulu, kwaye iziqulatho zingenakuhlangabezana nomyinge we-60-70%, kwakhona, oku kuya kuba okuyingqayizivele, kwaye akunjalo.
Ukuphonononga Umbandela Wakho wokukhawula iindleko ze-Intshurensi: Qhubeka ngokulumkisa
Qaphela kakhulu malunga nokufowunelwa ukhetha ukunciphisa, khumbula ukuba uqinisekisa ukuba yeyiphi enye into ebalulekileyo.
Ukuba unzima ukufumana indlela yokugcina i-10% yeendleko zakho ze-inshurensi, ubuninzi kangakanani na oza kulwa nelahleko enkulu? I-inshurensi ayinakuba yindawo ofuna ukunciphisa iindleko.
Ngaloo ngqondweni, hlola zakho iinketho. Ngokomzekelo, ezinye iinkampani zinika ithuba lokuqinisekisa ikhaya lakho kumkhawulo wokhuseleko, endaweni yeendleko zokutshintshwa eziqinisekisiwe . Oku akuyiyo inketho ephakanyiswayo, ngokuphindaphindiwe ukuba izibalo zokuqulunqwa kwexabiso lekhaya lakho azikhohlisi. Ngokuqinisekileyo uthatha umngcipheko omkhulu kwibango ngokucela ukuhla kwe-coverage, ngoko makhe sibheke ezinye iindlela.
Indlela Yokufumana Izaphulelo ezingaphezulu kwiimali-mali zeInkushurensi
Okukhethwa kukho ukugcina imali kwi-inshurensi yakho kukuqinisekisa ukuba unako zonke izaphulelo ezifanelekileyo, ezibandakanya izizaphulelo zengcali, izaphulelo zokulungiswa kwekhaya, iinkqubo ze-alamu, ukuhlawula okuphezulu kunye nokudibanisa imigaqo-nkqubo kunye nomshuwalense omnye (qinisekisa ikhaya lakho kunye nemoto kunye ne-insurer efanayo ukuze ufumane isaphulelo).
Unokuphinda ubuze ukuba inkampani yakho ye-inshorensi inikezela ukuzinza ukuzinza okanye amaxabiso angcono ngamanqaku ekhredithi . Abantu abaninzi abazange baxhamle ngeli thuba ukuba bafumane isaphulelo ngokuvumela ukuthenga i-credit card elula. Ngokwe-Insurance Information Institute,
"Abanye abatshutshisi baya kunciphisa ama-premium zabo ngama-5 ekhulwini xa uhlala nabo iminyaka emithathu ukuya kweyesihlanu kunye neepesenti ezili-10 ukuba uhlala umgcini-mvume iminyaka emithandathu okanye ngaphezulu."
Kwiimeko ezininzi, ukuba ube ne-insurer ixesha elide, banokufumana izaphulelo zokuqonda okanye ukunyaniseka izaphulelo abaza kuzongeza ngaphambi kokufaka ingozi ekulahlekelweni komncintiswano.
Ukuba uvakalelwa kukuba i-premium yomshuwalense wekhaya iphakamileyo, kufuneka uthengise kunye nezinye iinkampani zomshuwalense. Ukusika umva wakho wokugqibela kufuneka ube yinto yokugqibela . Nantoni na oyenzayo, qalisa ngengxoxo evulekileyo nommeli wakho we-inshorensi, kwaye ubazise ukuba ufuna iirhafu ezingcono, basenokuba ngumbono obalaseleyo wokukucebisa ukuba uqhubeke njani ngoxa uqhubeka ukhusela iimfuno zakho. Ukuba ummeli wakho we-inshorensi kuphela umele inkampani yomshuwalense, qwalasela ukusebenzisana nomthengisi onokukwazi ukufumana iinketho ezingakumbi kuwe, okanye ukucela abahlobo abanokuthi bancome ukuba banikeze iingcebiso eziqinileyo zengcali.
Kukho ezininzi ze-inshurensi ezifihliweyo kunye neeprogram onokungazi ngazo. Ekugqibeleni, ngokuvula ingxoxo, mhlawumbi uza kusindisa ngaphezu kwe-10% owawukhangela kuqala ukucima iiprimiyam zakho!
Yimali yakho, kunye nekhaya lakho lelinye lezinto zakho ezixabisekileyo, ungazithengi ufutshane - zama ingxoxo, kwaye ungagqibela nje ukugcina yonke ingxelo yakho kodwa unokufumana ipakethe enokukunceda kakhulu, ngexabiso elikhulu kakhulu.