UkuNcedisa iNtsholongwane Yakho Yemali Yobungozi Basekhaya KwiKhono Yakho, Ikhaya Nezinye Iipropati
Intshurensi ye-Umbrella yintlobo yesibini ye-inshorensi yemfanelo ebandakanya uxanduva lwakho. Eyaziwa ngokuba ngumgaqo-nkqubo we-inshorensi eyimfanelo eyimfuneko, lo mgaqo-nkqubo awuyiyo ipolisi yodwa yeso sizathu esaziwa njengomgaqo-wesibini. I-inshorensi ye-Umbrella ikunika uncedo lokukhusela izigwebo, kunye namabango aphakanyiswayo. Yindlela ephantsi yokukhusela ikusasa lakho lemali okanye i-asethi.
I-Personal Umbrella I-inshurensi ikhatywe xa umda wakho wokumisela umgaqo-nkqubo ungakwaneli. Ikhusela ngaphezu nangaphezulu kwemingcele kubanikazi bezindlu okanye i- inshurensi ye-condo, i-inshurensi yemoto, i-watercraft okanye enye i-inshorensi yomgaqo-nkqubo.
Kutheni ufuna i-Intshurensi yokuba uxanduva Ukuba unayo Intshuwalense yoxanduva lwe-Umbrella?
Intshurensi ye-Umbrella yindlela yesibini ye-inshurensi, nto leyo idinga umgaqo-siseko, okanye umgaqo-nkqubo wokumisela ukuhlawulwa kuqala kwibango ngaphambi kokuba i-umbrella libonelele.
Ngokomzekelo, umgaqo-nkqubo womshuwalense wekhaya unikezela uxanduva oluphambili lokulahlekelwa, xa imali yemfanelo yomnini-mboleko iphelile okanye ixutywe ngaphandle, i-inshorensi ye-umbrella ikhawuleza.
Yintoni i-Umbrella Cover Cover?
I-inshurensi yemfanelo yomshuwalense ingakukhusela:
- ulwaphulo oluvela kumonakalo wepropati, ukulimala
- Iindleko zokhuseleko zomthetho ezibandakanyekayo xa ufumana uxanduva lomonakalo kwenye indawo yepropati okanye ukulimala.
Ngaba Ndifuna Umshuwalense?
Namhlanje, ukugwetywa kwamacala kuyo yonke indawo . Amagqwetha anikezela imali eninzi kunanini ngaphambili.
Abanikazi bezindlu , imoto, kunye nemigangatho yemigangatho yemigodi banomda we- inshorensi yemfanelo . Inyhuwalense yemfanelo iyinxalenye yabanikazi bezindlu okanye umgaqo-nkqubo wendlela ohlawula iindleko ezinjenge: umntu olimele:
- iindleko zonyango
- unyango,
- ukulahlekelwa umvuzo ngenxa yokunganakwa komntu onetyala.
Inxalenye yesibambiso somgaqo-nkqubo we-inshorensi iphinde ibandakanye ummeleli wezokhuseleko zomthetho ukuba ukungahoxisi kuya kwenzeka kumhlaba umntu osetyala enkundleni yegumbi. Emva kokunyusa zonke iindleko zonyango kubantu abalimele kunye nemirhumo yomthetho yomntu ongenamdla, umthwalo osemgangathweni kumnini wezindlu okanye umgaqo-nkqubo we-auto akwanelanga.
Phantse yonke i-state ineemithwalo- mali yemithwalo yemali eya kubamba abaqhubi abaxanduva lokulimala komzimba kunye nomonakalo wepropto ngenxa yeengozi zemoto kwaye umqhubi wesiphene angahlawuliswa ngomonakalo.
Iimpahla zomntu ezivela kumqhubi wesiphoso singabanjwa ngenxa yokugweba. Imithetho efana nayo isebenza kwakhona kubanikazi basekhaya nabanamanzi.
Ukuba kwenzeka ingozi embi ukuba yinto ephosakeleyo, ngaba unayo i- inshorensi eyaneleyo kwimigaqo-nkqubo yakho yangoku ukuze uhlawule iindleko zokunganakwa ? Ekubeni akukho namnye onokuqikelela ukuba ijaji inokubonga umntu onobungozi, i-inshurensi yomshuwalense ayikho nje eyona butyebi, kodwa ukhuseleko olufunekayo kubo bonke abanikazi bezemigaqo-nkqubo.
Ingakanani i-Umbrella yomshuwalense okanye iindleko ezidlulileyo?
Umgaqo-nkqubo womshuwalense we-umbrella wemfanelo unokunika uncedo lokukhusela uxanduva ngaphandle kweendleko ezinkulu ezongeziweyo.
Ngokuxhomekeke kwimiba eninzi yokubambisa i-ambulance uzimisele ukuthenga, inokuhlawula i-$ 100 ngonyaka ukwenzela i-1 yezigidi zeedola, kwaye iya kunyuka kuxhomekeke kwindlela enikeziweyo ngayo. Inyhuwalense eyongezelelekileyo yemali yomshuwalense ayithengi, ngokukodwa xa kuthelekiswa nexabiso le-coverage, ukuhlawula i-$ 100 ukuya kwi-150 yezigidi ukutshintshela i-$ 1 yezigidi zokukhusela i-dollar engaphantsi kweyona mali uya kuthenga.
Ingabunzima Kangakanani Ubundlobongela obuninzi bokuba Inyununu?
Ngoku ukuba uqaphela indlela engabizi ngayo ixabiso le-insularensi yemfanelo yomshuwalense, uya kufuna ukujonga ingqalelo imeko yakho yomntu ukuba uthathe isigqibo sokuba ungakanani i-inslular inshorensi.
Imibuzo emibuzo yokuzibuza yona malunga ne-Umbrella kunye neengozi yakho
- Ziziphi ixabiso lempahla yakho?
- Iyintoni ukulahleka kwakho kwerhafu yengeniso?
- Ziziphi iingozi ocinga ukuba unokujamelana nazo?
Ngubani onokuzuza kwi-insrella inshurensi?
Abantu abaneempahla ezifunayo ezifuna ukukhusela ukuma belahlekelwa yimali ebalulekileyo kwimali.
Ukuba ufumana uxanduva ungalahlekelwa nayiphi na impahla oyakhayo, kuquka utyalo-mali kunye nakho konke ukugcina kwakho. Ababutyebi basengozini, kodwa banjalo nalabo abangenazo iimpahla.
"Kwilizwe elithandwayo, yonke into iphakanyisiwe, ibandakanya ukugcina kwakho, utyalo-mali, kunye nokungabikho kwempahla, mhlawumbi ikusasa lakho."
Ukuba andinayo iMali okanye iiAsti Kutheni kuthengwa uxanduva?
Nangona unokuba uqala nje, okanye ungenayo impahla, ungacingi ukuba inkundla ayiyi kunika iindleko kumntu wesithathu ukuba unetyala lokubangela umonakalo.
Xa ungenazo iimpahla, unokuba unyanzelekile ukuba uhlawule umonakalo owenziwe ngembuyekezo yakho yexesha elizayo! Ukuba ungumfundi ofundayo ngezinga lakho, okanye nokuba ulindele ukugqitywa ekugqibeleni kwaye usebenze ngendlela yakho ukuya kwindawo ephezulu yokuhlawula, igalelo lakho elizayo lijoliswe kulo.
Ingakanani Ubungakanani Bokuba I-Umbrella Yomshuwalense Iza Ngayo?
Ukhetha inani le-coverage ongathanda ukuba nayo nge-insularensi ye-umbrella. Umgaqo-nkqubo we-Umbrella ubhaliswa kwiinkampani ze-inshorensi kwinkampani ye-inshorensi kwaye unokubonelela ngemali yezigidi zeedola, okanye njengento encinci nje yezigidigidi zeedola. Konke kuxhomekeke kuwe kunye nohlahlo lwabiwo-mali. Kwakhona qaphela ukuba ezinye iinkampani zinokuphinda kabini okanye kathathu ukuxhaswa kwi-1 yezigidi zeedola ukuya kwiibini okanye ezintathu, kodwa iindleko zokubhengezwa aziphindanga kabini okanye kathathu ngokulandelanayo. Kufanelekile ukufumana izicatshulwa ze-umbrella ezimbalwa ngaphambi kokuba wenze isigqibo sakho.
Ziziphi iimeko zeMbolla?
Ukuze umgaqo-sambuli uqalise ukuhlawula iifowuni, umgaqo-mgaqo-mfanelo wokuqala kufuneka ube khona, kwaye uxoxelwe kwiintlawulo.
Umzekelo woMsebenzi wePolisi yokuXanduva lokuPhathwa kweMibrella
Ngokomzekelo, abanini bezindlu, i-condo kunye nemigaqo-nkqubo yeendwendwe ziya kunika uxanduva oluphambili. Iimoto zineemfuno ezahlukahlukeneyo zemfanelo ezincinci kuxhomekeke kwimeko. Iimfuno eziphantsi zorhulumente zengxelo azihlali zaneleyo ukuhlangabezana neemfuno ezingundoqo ezisemgangathweni yomgaqo-mboniso. Kufuneka uqinisekise ukuba umgaqo-nkqubo ongezantsi uthwala uxanduva olufanelekileyo lwe-umbrella umgaqo wokukhaba kuyo. Cinga ngokunyusa ukunyusa umda wakho kumgaqo-siseko wokuqala kwaye wongeze umgaqo-nkqubo we-umbrella ukuze uncedise ukukhutshwa okongezelelweyo okufunekayo. Esi sicwangciso sinokukugcina imali.
I-Umbrella Iimigaqo-nkqubo zomshuwalense zifuna i-Incinci engaphantsi kwe-Inshorensi
Iiinkampani zomshuwalense ziza kubeka iimfuno zokubhala phantsi kwe-ambuland policy. I-ambulula yegama lomgaqo-nkqubo iya kuchaza ngokucacileyo inani elincinci leemfanelo ezifunekayo ukwenzela ukufumana umgaqo-nkqubo we-sambuli.
Izilungiso kwiiNgqinisiso ze-Umbrella
Ezinye iinkampani zomshuwalense ziza kufuna ukuba uqinisekise zonke iimpahla zakho ngaphambi kokuba unikezele nge-umbrella coverage. Basenokungeza i-umbrella coverage njengendlela yokuvumela kwimigaqo yakho ekhoyo. Ezinye iinkampani zomshuwalense ziyakwazi ukukunika umgaqo-sambulela njengomgaqo-nkqubo omeleyo wedwa. Ngokuqinisekileyo unokhetho xa kuziwa ekufumaneni umgaqo-nkqubo we-umbrella ukuhlangabezana neemfuno zakho.
Iimpahla ezingaphezulu onayo, kunye nemfuno efunekayo ukuzikhusela, ngakumbi xa ufuna ukujonga i-insurer ekhethekileyo, umzekelo, i-insurer yexabiso eliphezulu njengekhaya le-ACE (owayesakuba yi-CHUBB), ngubani na onokuquka ukungaphezulu okanye i-ambulula imbopheleleko kwimigaqo-nkqubo yabo njengendlela yokuvumela, phakathi kwezinye izinto ezintle .
Ziziphi iinkcukacha ezifunekayo ukufumana i-Umbrella Insurance okanye i-Excess Account?
Imibuzo engumbuzo efunwa yi-inshente ye-inshorensi xa ufumana umgaqo-mboniso ungabandakanya:
- ukuluhlu zonke iipropati zakho emhlabeni wonke kwaye uziqinisekisa
- umda wemfanelo kwi-inshurensi kuzo zonke iipropati zakho
- uluhlu lwazo zonke izithuthi okanye iinqanawa kunye nezinye izithuthi ezithathayo, kunye nemimiselo ye-inshorensi
- nokuba unelungu lebhodi yabalawuli okanye engekho inzuzo
Isicelo se-inshorensi yesibambiso sinokuqiniseka ukuba ufumana umfanekiso opheleleyo weempahla zakho kunye nendlela abaqinisekisiwe ngayo ukuba ufumene uhlobo olufanelekileyo lokubhengezwa kwaye ukuba unayo ibango kwi-umbrella nkqubo, sele sele ulwazi oluyidingayo ukuze bakwazi ukukunceda. Uvavanyo lweemfuno zakho luyimfuneko ukukhusela ngokufanelekileyo.