Imiba yokuthenga i-inshorensi yoBomi ngokuSebenza kwakho
Nangona ufumane ipolisi yomshuwalense wobomi ngokusebenzisa umqeshi wakho ungabonakala ngathi uyona ndlela ekhethekileyo, ayikho ngaphandle kokungaphumeleli kwayo. Ukuba ulahlekelwa ngumsebenzi wakho, uya kulahlekelwa ngumshuwalense wakho wobomi. Ungaba nesiphene kwi-coverage ukuba unokuyeka umsebenzi wakho kwaye uqale entsha.
Enye into ekufuneka uyiqwalasele ukuba ingaba umgaqo-nkqubo we-inshorensi yobomi benkampani yakho inkulu ngokwaneleyo ukuba unomlingane kunye nabanye abaxhomekeke kuyo. Ukuba akunjalo, unokufuna ukuthenga umgaqo-nkqubo wokuncedisa ukusuka kwelinye iqumrhu.
Iinzuzo zokufumana i-inshorensi yobomi ngokusebenzisa umsebenzi wakho
Ukuba unesifo sengqondo sesifo sikashukela, kunokuba kunzima ukufumana ilungelo lomgaqo-nkqubo womshuwalense wexesha eliqhelekileyo. Ukuba kunjalo, kuya kuba luncedo kuwe ukufumana umgaqo-nkqubo womshuwalense ngokusebenzisa umqeshi wakho, kuba kulula ukufumana imvume kumqeshi wakho ngaphandle komnikezeli wangaphandle.
Enye inzuzo enkulu yokufumana i-inshorensi yobomi ngokusebenzisa umqeshi wakho. Ngokomzekelo, unokwazi ukuba ufuna ukufumana inshorensi yobomi kodwa awuzange ufikelele kuyo. Izicwangciso ezixhaswe ngabasebenzi ziyisisombululo esikhulu kulo. Ekugqibeleni, indleko yomshuwalense wobomi obuthengiwe ngumqeshi wakho uhlala ungabizi, kwaye abaninzi baninzi.
Ukuqulunqa umGaqo oyifunayo
Ukubeka ngokulula, kufuneka uthenge i-inshorensi yobomi baneleyo ukufihla imbopheleleko yakho, njengendleko zomngcwabo, iibhilidi zonyango kunye neendleko zokuphila ezizayo kubo bonke abaxhomekeke kuyo. Kwabo abaneentsapho kunye nabanye abaxhomekeke kuyo, umgaqo omhle wesithupha unomgaqo-nkqubo wokuphila ngexesha elimalunga nesibhozo umvuzo wakho wonyaka. Kule meko, umgaqo-nkqubo we-inshorensi yobomi ofunyenwe ngumqeshi wakho kufuneka uthathe umgaqo-nkqubo wokuncedisa omnye umgaqo-nkqubo omkhulu.
Ukongezelela, njengoko umvuzo wakho kunye nezindleko zokuphila, ukwanda kwe-inshorensi yakho yobomi kufuneka, ngokunjalo. Nangona kunjalo, xa uhlawule ikhaya lakho kwaye ubeke abantwana bakho kwiikholeji, unako ukugqiba isigqibo sakho sokunciphisa inani lakho lomgaqo-nkqubo.
Ngakolunye uhlangothi, xa usemncinci, ukuba ungatshatanga, okanye ungenalo mntu uxhomekeke kuyo, awukhethi ukhetha ukuthwala i-inshorensi yobomi kude kube yilapho uqala intsapho . Ukuba wenza oku, qiniseka ukuba unelungelo elibekelwe bucala lokufihla izindleko zakho zokungcwaba, ngoko akusiyo umthwalo kubahlobo bakho kunye nosapho.
Ukukhetha umgaqo-nkqubo we-Inshorensi yobomi
Ukuba unquma ukungafumane i-inshorensi yobomi kumqeshi wakho, okanye ukuba ufuna ipolisi eyongezelelekileyo ngaphezulu kwento ekusetyenziswe kuyo indawo, qiniseka ukuba uthengise imigaqo-nkqubo eyahlukeneyo ukuze ufumane umgangatho ophezulu.
Gcina ukhumbule ukuba ababoneleli bentsholongwane bentsholongwane bavavanya ingozi xa beqinisekisa kwaye unokuba unqatshelwe kwiimeko zempilo ezinzulu okanye uhlawuliswe umlinganiselo ophezulu xa uvakalelwa kukuba umngcipheko omkhulu.
Ubomi besikhathi sinikeza amaxabiso aphantsi kakhulu kwaye inikezela ngeenkonzo ngexesha elithile, njenge-10, 20 okanye iminyaka engama-30. I-inshorensi yobomi besikhashana ayinayo ixabiso lemali, kwaye abaxhamli bakho bafumana umvuzo xa ufa ngeli xesha. Emva kokuba ixesha liphakanyisiwe, uya kuba nenketho yokuvuselela umgaqo-nkqubo wakho, ngokuthe rhoqo kwizinga eliphezulu. Ungaphinde uguqule umgaqo-nkqubo womshuwalense wexesha lomsebenzi kwipolisi yonke.
Imigaqo-nkqubo yomshuwalense wenkqubela yonke ibuye ifikelele kwizabelo ezingenasiphoso, ezaziwa ngokuba yimali yexabiso lemali. Unakho ukuboleka kwinani lomgaqo-nkqubo. I-premium nayo ihlala enye, nangona ibiza kakhulu kunexesha lokuphila komgaqo.
Ekugqibeleni, khumbula: akukho sizathu sokungabikho kwinshuwalense yobomi xa unabantu abathembele kuyo, ngoko qalisa ukuthatha amanyathelo namhlanje ukuze uzikhusele.
Ukuhlaziywa nguRachel Morgan Cautero