Ngaba Ndifuna Umshuwalense?
Uninzi lwabantu kwiminyaka yabo engamashumi amabini aludingi inshurensi yomshuwalense. Xa uthenge ikhaya okanye uqale ukwakha ixabiso elibalulekileyo yinto ofuna ukuyiqwalasela ukwenza. Unokuthenga i-inshusela yomshuwalense ngegosa lakho le-inshorensi ngexesha elifanayo uthenge umninimzi womnini-nkosi kunye nomshuwalense wemoto. Ukuba ungumnini shishini elincinci okanye ukuba usuqala ukudala ubutyebi , kufuneka ube nenkqubo yomshuwalense yomshuwalense endaweni. Indlela engcono kakhulu yokuxelela ukuba ufikelela kuloo ngongoma ukuba unako ukugcina imali kunokuba umgaqo-nkqubo womnini-nkqubo wakho okanye umshwalense womshuwalense wemoto uza kuhlawula ukulimala.
Ukuba ungumnini-shishini lakho, unokuba ufuna ukufumana umgaqo-sambulela umgaqo-nkqubo ngaphezu kwe-inshorensi yoshishino oyenayo. Izigwebo zingaba zikhulu kakhulu kumashishini kunokuba ziza kuba ngabanye. Enye ingozi encinane kwipropati yakho yeshishini inokwanela ukuvala ishishini lakho ngokusisigxina.
Njengoko ishishini lakho likhula, unokufuna ukwandisa i-coverage yakho. Kubalulekile ukuba uhlolisise ngononophelo lwakho u-inshurensi njengoko uphumelela ngakumbi ukuqinisekisa ukuba unako ukukhutshwa okwaneleyo. Unokuthetha ne-inshente yakho ye-inshorensi ukufumanisa ukuba ufuna i-coverage. Umcwangcisi wakho wezemali unokukwazi ukuncomeka nokuba ngaba awunayo ukunyusa ukukhusela kwakho ukukhusela iafa zakho.
Ndifanele Ndibe Nini I-Umbrella Insurance?
Intshurensi ye-Umbrella ibaluleke kakhulu njengoko ukwakha ubutyebi kunye nempahla. Xa uqala ukwakha ubutyebi okanye uvule ishishini lakho, kufuneka uqikelele ukufumana i-inshurensi yomshuwalense. Kuze uyenze oku akufuneki ukuba ukhathazeke ngokufumana inshuwalense eyongezelelweyo. Ukuba usebenzela umqeshi, kwaye awunayo impahla ngaphandle kwekhaya lakho, awunayo imfuneko yomshuwalense ye-umbrella okwamanje.
Njengoko uthatha uxanduva olongezelelweyo, utshatile kwaye ube nabantwana, uya kuba neentlobo ezahlukeneyo zemfuno ze-inshorensi. Kubalulekile ukuthatha ixesha lokwenza uhlengahlengiso njengoko uhamba nganye kwiinkalo ezithandathu zemali ebalulekileyo ebomini bakho , kunye nokujonga nje imeko yakho ngonyaka. Ummeli wakho we-inshorensi unokukwenza oku kuwe. Unokugcina imali kwi-inshurensi yakho ukuba utshintshe ababoneleli ngeminyaka embalwa, nje kuphela ukuba unecoceko ecocekileyo kunye namabango ambalwa kakhulu.
Ezi zicwangciso zinokukunceda uhlale phezulu kwinkonzo yakho yomshuwalense. Njengoko ufika kwindawo leyo xa ufuna i-umbrella coverage, uya kukwazi ukuyiqonda. I-inshorensi yakho kufuneka inikeze umgaqo-nkqubo kwaye inokunikezela izaphulelo ezifana noko ungakufumana nge-inshurensi yemoto. Kwakhona kubalulekile ukuqinisekisa ukuba unobungozi bentsholongwane yobomi bentsapho yakho.
Njengoko iindleko zakho zikhula, i-coverage yakho kufuneka ikhule, ngokunjalo.
I-Insurance Umbrella isebenza njani?
Umbrella Umshuwalense awuyena mgaqo-nkqubo womshuwalense oyintloko. Umgaqo-nkqubo wesibini ofihlayo emva kokuba ufinyelele umda we-policy coverage. Ngokuqhelekileyo iyaqala ukusebenza xa uhlawuliswa ngemali eninzi emva kwengozi enkulu. Xa uxotshwa, inkampani enomshuwalense we-umbrella kufuneka usebenze kunye nenkampani yakho yomshuwalense ukukunceda ukulwa enkundleni kwaye ukhusele ifa lakho.
Unokukhetha ukuba ne-inshurensi yakho yomshuwalense kunye nenkampani efanayo kunye nezinye iinkqubo ze-inshorensi. Oku kungenza lula inkqubo xa ulandelwa. Khumbula ukuba i-inshurensi ye-ambulance yimbi yimbi yomshuwalense, kwaye inkampani yakho yomshuwalense iya kusebenza ukukunceda ukukhusela impahla yakho ngexesha layo.
Thatha ixesha lokuphanda inkampani oyikhethayo kwi-insularensi yakho ukuze uqinisekise ukuba isebenza kakuhle kukukhusela kwaye ulwe namabango egameni lakho.
I-inshorensi ye-Umbrella nayo iya kuba nomda kwimali enokuyifumana. Ixabiso elincinci kunokuba ukwandise i-coverage yakho kwi-home and car yomshuwalense, kuba isetyenziswe rhoqo. Abantu abadinga inshurensi yomshuwalense yilabo abanamalungelo amaninzi kunomntu oqhelekileyo. I-inshorensi ye-Umbrella iya kukukhusela imali yakho, ikhaya lakho kunye nezinye izinto ezikuloo nto xa ulahlekelwa yinkantolo enkundleni. Inkampani yomshuwalense ekukhupha umgaqo-nkqubo we-umbreli uza kukunceda ngendlela efana neyo-inshorensi yendabuko.