Intshuwalense yengozi inokuthi iphinde ihanjiswe ngokuthi "epheleleyo" okanye "iipilisi ezivulekileyo"
Iyintoni Inqubomgomo Yomshuwalense Yonke Inengozi?
Inkontileka yomshuwalense yengozi okanye ipolisi evulekileyo ikunika ukukhutshwa kunye nokukhuselwa kuzo zonke "ingozi" okanye iingozi ezonakalisa ikhaya okanye iziqulatho kunye nepropati yakho ngaphandle kokuba "ingozi" ingabandakanywa ngokukodwa kwigama lomgaqo-nkqubo.
Oku kuthetha ukuba ukuba ufuna ukufaka ibango ngenxa yokulimala ngokukhawuleza okanye kwengozi, uya kugutyungelwa umgaqo-nkqubo we-All-Risk ngaphandle kokuba inkampani ye-inshorensi ibonisa ukuba umonakalo wabangelwa okanye ngaba umphumo wento ethile ingabandakanywa ngokuthe ngqo, ehlwiniweyo okanye ephantsi kwigama.
Ziziphi iindlela ezikhethayo ngaphandle kweNkxaso-nkonzo yomshuwalense wonke?
Kukho iindlela ezininzi ezinokwenzeka xa uthengela ukukhutshwa kwindlu yakho, ngaphandle kweNgcembelelo enjenge:
- Inketho yomgaqo-nkqubo weePilisi
- umgaqo-nkqubo oza kunika yonke ingozi kwisakhiwo sakho, kwaye kuthiwa yingozi kuphela kwizinto zakho zomntu okanye okuqukethwe
Uthini Umehluko Phakathi kweNkxaso-mali Yomngcipheko Wonke Nengozi?
I-inshurensi yengozi yonke iquka izinto ezininzi ezinokuthi zenzeke kuba ihlanganisa yonke into engabandakanyiyo. Uhlobo oluthile lomgaqo-nkqubo.
Ukuxhamla kweePilisi kubandakanya kuphela iingozi ezichazwe ngokukodwa kumgaqo-nkqubo, ngoko ngenxa yokuba iquka ubuncinci, umgaqo-nkqubo ongezantsi.
Ebizwa ngokuba yimiphunga: Iquka kuphela into ekhankanywe ngokukodwa njengoko ifakwe kumgaqo-nkqubo. Ebizwa ngokuba yiPilisi ngumgaqo-nkqubo wokukhawulelana kwaye unako malunga neengcipheko ezithintekayo.
Yonke ingozi: Ukunikezela nge-coverage yezinto ezinokuthi zenzeke ngaphandle kokuba zingabandakanywa ngokukodwa.
Imizekelo yoMgaqo-nkqubo woMngcipheko woMngcipheko
Umzekelo, ukuba unomgaqo-mngcipheko wokwakha kwisakhiwo sakho kunye nomxholo wakho, kunye nomhlobo oza kunceda ukufaka iTV kwi-den yakho, kwaye umhlobo wakho wehla kwaye akagcini nje ukuphula iTV, kodwa ukulimaza umgangatho, Umgaqo-mngcipheko woMngcipheko uza kubhawula umonakalo komgangatho kunye neTV ngenxa yokuba ngokukhawuleza kwaye yengozi, nje kuphela ukuba igama le-All-Risk umgaqo-nkqubo awubhalisi imeko kwigama njengento engabandakanyiyo.
Ngomgaqo-nkqubo onobungozi, ukuba uthetha nje ngomlilo, umonakalo womsi, umbane kunye nemibhobho eqhoqhekileyo, ngoko imeko ekhankanywe ngasentla ayiyi kuhlanganiswa ngenxa yokuba ayibonakalwanga.
Omnye umzekelo uza kuba Ukuba unomkhuhlane we-back up, kwaye awubhalwanga ngokucacileyo njengoko ukhankanywe, ngoko uya kuba yintlekele. Nangona kumgaqo-nkqubo woMngcipheko wonke, kuya kubandakanywa ukuba ingazange ikhutshwe kwiqendu elichaziweyo legama lomgaqo-nkqubo. Ukukhutshwa komgcini-mali kungabandakanywa, ngoko ke kubalulekile ukuba uqaphele ukungabikho, uze ubone ukuba unokongeza iziganeko zokubaluleka ezibalulekileyo kuwe kumgaqo-mngcipheko woMngcipheko. Ukuvunyelwa yindlela enye yokongezelela umgaqo-nkqubo kumgaqo-nkqubo.
Ngaba Uyafuna Umgaqo-mngcipheko?
Wena ungumuntu ongcono ukuba uqinisekise ukuba ufuna i-All-Risk policy kuba ukhethe ngokwenene malunga noko ufuna ukufunyanwa ngomshuwalense.
Indlela efanelekileyo yokwenza isigqibo kukufumanisa uhlobo luni oluya kubakho ukuba kukho into eyenzekayo kwikhaya lakho kwaye ufumene ukuba awuqinisekanga kuyo.
Njalo ubuze inkampani yakho yomshuwalense okanye ummeli ukuba ulwahlulo lwamaxabiso luphakathi kwe-All-Risk policy kunye nePerms Perils policy. Ngamanye amaxesha ulwahlulo lwamaxabiso ludola ezimbalwa ngenyanga.
Kubalulekile ukuba uhlale ufumana ixabiso lamanani emibini kunokuba ucinge ukuba i-All-Risk iya kuba yindleko.
Ukuba ufuna ukugcina imali, cingisisa ukwandisa imali echithwe kuyo ukugcina imali kwi-premium yakho, kwaye ufumane ingcaciso engcono.
Izibalo kwiiNkcazo zeNkxaso-mali zaseKhaya kunye neengozi
Ngokwezibalo ze-ISO kwilahleko zomnini-propati, kunye neyona nkcazelo yakutshanje evela kwiNkcazelo ye-inshurensi, ama-5.9 ekhulwini lamakhaya ase-insured awamabango.
Idatha ukususela ngo-2015 ibonisa ukuba kuzo zonke izibango zomshuwalense wekhaya, malunga neepesenti ezingama-97 ziyimali yokulimala kwepropati. Le yimizi engozi ephezulu ebangele amabango:
- Amaphesenti angama-23.8 avela emlilweni kunye nombane
- Iipesenti ezingama-20.3 ukusuka emoyeni nasichotho
- Ipesenti ezingama-45.1 ukusuka kumonakalo wamanzi kunye nokuqhwa
- 1.8 ipesenti ukusuka ebusela
- Iipesenti ezi-6.1 zivela "kuyo yonke imonakalo yomhlaba" ebandakanya ukungonakaliswa nokubi okungalunganga
Ziziphi izinto eziqhelekileyo ezingabandakanywa kuMgaqo-mngcipheko?
Zonke iinkampani zomshuwalense zinokukhetha ukubandakanya ukugqithiswa komgaqo-nkqubo wabo woMngcipheko we-All-Risk ngokunciphisa ukungabikho kwemali njenge-value-added perk, nangona kunjalo, ukukunika ingcamango jikelele apha imizekelo embalwa yezinto eziqhelekileyo ezingabandakanywa kumgaqo-mngcipheko woNgcipheko. : I
- Ukulimala okubangelwa ngamagundane okanye izinambuzane
- Ezinye iintlobo zeMonakalo yamanzi, umzekelo, uMgcini we-Back Up up ungabandakanywa. Le nxalenye ebalulekileyo yesikhokelo sakho se-inshurensi ukuqonda. Njalo ucele ukuba zeziphi iintlobo zomonakalo wamanzi ezifakiwe okanye ezingabandakanyiyo kumgaqo-nkqubo wakho .
- Ukuhamba komhlaba
- Umkhukula
- Iziganeko zeNyukliya
- Izenzo zobuglogrisi
- Ukuqhekeka kwezinto ezibuthathaka
- Ukuchithwa kwamatshini
- Ngco liseko
- Nxibela ukuyikrazula
- Iimpawu ezifihlakeleyo okanye ezifihliweyo
- Umonakalo omncinci
Le mizekelo nje, kukho izinto ezininzi ezingabandakanyiweyo okanye ezikhankanywe ngokukodwa kwi-All-Risk policy, kubalulekile ukucela inkampani yakho yomshuwalense okanye ummeli ngokuqinisekileyo oko kuba kuba yonke inkampani ye-inshorensi iyahluke kwaye iifayili ziyahluka.
Inqubomgomo yomshuwarensi yengozi yonke inokuhlawula imali encinci, kodwa ngenxa yazo zonke izinto ezahlukileyo, zidla ngokuthatha umgaqo-mngcipheko wobuchule xa kunokwenzeka ukuba ukhethe.
Yindlela isicwangciso esilungileyo sokuhlawula encinane ngakumbi kwi- deductible kunye neNgcaciso engoNgcipheko kunokuba ihlawule ezimbalwa iidola ngaphantsi kwe-inshurensi, kwaye ingabakho ibango eligqityiweyo.
Awukwazi ukuba yintoni engafanelekanga, okanye yintoni na ingozi eyenzekayo, lo mgaqo-nkqubo uza kukunika ukhuselo olungcono kakhulu ukuze ungadingi ukukhathazeka kangangoko ngexesha lebango.