Nini ukuChosela i-Intshuwalense yakho: Ngaba ixabiso lokuCima ukuCima?

Kutheni ukuhlawula isiGwebo kunokunceda

Ukuhlala kunye nenkampani yakho ye-inshorensi nje ukuba ugwebe isohlwayo akunakho ukuqonda, kuxhomekeke kwizizathu ofuna ukutshintsha inkampani yomshuwalense. Abantu abaninzi banquma "ukulinda de i-inshorensi" emva kokukhansela umgaqo-nkqubo ngenxa yokuba bafuna ukuphepha isigwebo se-inshorensi. Ngamanye amaxesha kuya kunokusindisa imali eninzi yokucima umgaqo-nkqubo wakho phakathi kwexesha kwaye uhlawule isohlwayo, utshintshe kwinkampani entsha yomshuwalense ukuba ixabiso lincinci kakhulu.

Ngaphambi kokuba uvumele isongelo leendleko ezongezelelweyo ukuguqula izigqibo zakho, nakhu zizinto ezithile ukuba uziqwalasele ukuba unxhala malunga neendleko ze-inshorensi yokurhoxisa i-inshorensi yakho.

Ngaba Ufanele Ukhansele Inqubomgomo Yomshuwalense Ngaphambi Kokuvuselelwa?

Nantsi uluhlu lokukhangela lwezinto eziza kukunceda wenze isigqibo esona sihle kwiimeko zakho.

1. Buza iindleko ezithile ze "isohlwayo." Unokumangaliswa ukuba bangaphi abamele abalula isihlwayo kwaye abazange babale ixabiso lesohlwayo . Usenokuba uthetha ngesigwebo se-$ 20 okanye isohlwayo se-$ 500. Oku kwenza umehluko omkhulu kwisigqibo sakho. Iphulo: Umgaqo-nkqubo ususebenze umncinci inhlawulo yokucoca.
2. Thelekisa izindleko zonyaka zomgaqo-nkqubo omtsha kwiindleko zonyaka zomgaqo-nkqubo ofuna ukuwukhansela. Ukuba ulwahlulo lwamaxabiso luphantsi kwe-10% ngonyaka, unokuzama uze ufumane i-insurer yakho yangoku ukufanisa intlawulo entsha ngaphambi kokuba utshintshe inkampani. I-10% ayiyona into enkulu kwinkampani yomshuwalense ukuba i-akhawunti yakho ibume kakuhle kwaye unemiqathango emininzi. Ukuba abahambelani nexabiso, zibalele ukuba uphelela phambili xa uhlawule "isohlwayo." Ukuba ugqiba malunga nokuba, kufuneka ugqibe ukuba ngaba umgaqo-nkqubo omtsha ufanelekile umzamo. Yenza into efanelekileyo kuwe. Wena ungumxhasi kwaye yimali yakho.

1. Thelekisa inzuzo yepolisi kunye neengxelo ezivela kumgaqo-nkqubo omtsha kumgaqo wakho omdala. Ummeli wakho wamanje kufuneka akwazi ukukunceda uqokomise iimpawu eziphezulu. Unokwenza isigqibo sokuba ngaba iimpawu zixabisekileyo kuwe.
2. Qinisekisa ukuba kuya kuba nemiphumo kwiminye imigaqo-nkqubo ngenxa yokukhansela lowo ukhangeleyo. Ngokuqhelekileyo kwenzeka ukuba abantu bafumane i-inshurensi yemoto engancinci kunye nenkampani entsha yomshuwalense, kwaye unqume ukutshintsha, kodwa ushiye ikhaya ne-insurer yokuqala. Emva koko bayamangalisa xa ixabiso labo landa ngenxa yokuba baye balahlekelwa ukuphuhliswa komgaqo-nkqubo , okanye ukuphuculwa komgaqo-nkqubo okhethekileyo okanye inzuzo. Njalo uvavanye yonke i-inshorense yakho yomntu. Fumana zonke iinkcukacha ngaphambi kokuba wenze isigqibo. Ngaba ukutshintsha umgaqo omnye kunokuchaphazela iindleko zakho okanye ukukhutshwa komnye?

1. Ngaba uthanda iinkonzo okanye ukusebenzisana nekampani elungcono? Ziziphi iingenelo ezikunika zona? Ukuba inkampani entsha ye-inshorensi iya kunika inkonzo ehlangabezana nezidingo zakho ezingcono okanye iinkqubo zomgaqo-nkqubo ezixabisekileyo kuwe, kunokufanelekile ukuhlawula ngaphezulu ukutshintsha umntu ovakalelwa ukuba unokusebenzisana naye. Ngamanye amaxesha ukusebenzisana nommeli omhle, okanye inkampani enekcubeko elifanelekileyo yenza ukuba wonke amava afaneleke. I-inshurensi inzima ngokwaneleyo, kunokufanelekile ukuhlawula ngakumbi kunye nokujongana nabantu abenza kube lula.

Ukuhlawula isohlwayo kwi-Intshurensi yakho ingakusindisa imali

Emva kokuba ubale zonke iimeko, unokuba ngcono kakhulu ukuhlawula isigwebo sexesha elilodwa sithethe i-$ 50 ukuze sithole inkonzo engcono, imivuzo engcono okanye amazinga angcono. Njalo inyanga uhlala kunye nenkampani yomshuwalense ongayithandiyo, okanye eyabiza kakhulu, okanye enokungena ngaphantsi kwendawo inokubeka ingozi. Khumbula i-inshurensi yakho ikhona ukuhlawula xa kwenzeka ibango. Awazi ukuba ibango liya kwenzeka ngaphambi kokuvuselela okulandelayo, okanye emva - mhlawumbi. Ngokuxhomekeka kwizizathu ofuna ukutshintsha, khumbula ukuhlawula isohlwayo kunokukugcina imali eninzi ngexesha elide.

Ziziphi ezinye izinto okufanele ndiziqwalasele Ngaphambi kokuba Ndikhansele Umgaqo-nkqubo wokuPhepha iMimangalo?

Njalo uqaphele ukuba ufumana inqanaba le-inshurensi elingaphantsi kakhulu kunezinga lakho langoku.

Ngaphambi kokuya kumgaqo-nkqubo omtsha, okanye ukukhansela umgaqo-nkqubo omdala, kulungile ukulinda ukubona umgaqo-nkqubo omtsha ukhutshwe, kwaye uqinisekise ukuba umele zonke iimfuno zakho. Kwi-inshurensi yemoto, umzekelo, akuqhelekanga ukulibala izimangalo, okanye ukuphulwa kweendlela xa ufaka isicelo se-inshorensi entsha . Ngelo xesha inkampani entsha icaphuna wena, mhlawumbi akufuneki ukuba isebenze yonke iitsheki kwiinkcukacha zakho. Ezi zihlolisiso zihlala zigcinwe xa umgaqo-nkqubo ufunwa ngokwenene, okanye ukhutshwa. Ngamaxesha amaninzi, yilapho uza kufumana umnxeba okanye isaziso ekucebisa ukuba intengo entsha iphezulu kakhulu ngenxa yolwazi olutsha oluthatyathwe.

Iinkampani zomshuwalense ngamashishini, kwaye njengawo nawuphi na omnye ishishini, ukuba unayo yonke imigaqo-nkqubo yakho nenkampani, okanye ube neenkampani iminyaka emininzi, yenza ubuhlobo bakho buqine.

Ngomhla ngemihla, oku kungabonakali kubalulekile, nangona kunjalo, ukuba kukho na kunzima ixesha, njengomzekelo uyasongelwa ukuba ukhanselwe, okanye unamabango amaninzi , yilelo lixabiso lokuba enye inkampani iminyaka emininzi ibonakala. Oku kukuvumela ukuba ummeleli wakho akuxelele ngamathuba amatsha onokufaneleka kwaye uncede bahlale behlose amehlo abo.

Intshuwalense akukho konke malunga nexabiso.

Ukuqwalaselwa kokugqibela, ngaphaya kokubhengezwa, ubudlelwane kunye nexabiso, yintlawulo yokugqibela yomgaqo-nkqubo okhansekileyo kunye nentlawulo entsha yomgaqo-nkqubo wakho omtsha. Unokuhlawula zombini kwezi zinto malunga nexesha elifanayo. Ukuba ubukho kwisicwangciso sokuhlawula, zibalo kwisigqibo sakho imali oyakufuneka uyihlawule i-insurer yakho entsha ukuqala ulwalamano olutsha kwisicwangciso sokuhlawula kunye.

Izicwangciso Zentlawulo Zisebenza Njani Iinkampani Zomshuwalense?

Iinkampani zomshuwalense zinezikhokelo ezinzulu kwimigaqo yokuhlawula. Ngokubanzi, ukuhlawula umgaqo-nkqubo we-inshorensi kubangelwa xa umgaqo-nkqubo usasebenza. Ngoko ukuba awuzange uyihlawule i-premium yakho ngomhla omele umgaqo-nkqubo (umhla wokuhlaziywa, okanye umhla osebenza ngawo umgaqo-nkqubo), ngoko intlawulo yakho sele idlulile ngenxa! Ukwahlukileyo xa usenze ilungiselelo lokuhlawula okanye icebo lokuhlawula. Isicwangciso sokuhlawula sinceda ukwahlula iindleko zonyaka ze-inshurensi malunga nexesha lokuzikhethela kwakho, ngeendlela zokuhlawula ozikhethile. Inkampani nganye ye-inshorensi iyahluke, ngoko ke inxalenye yolu vavanyo lwenkampani yomshuwalense oya kusebenza nayo kufuneka ibandakanye ukuqonda imigaqo yabo yokuhlawula kunye nokuqinisekisa ukuba zikulungele. Iinkampani ezininzi ze-inshorensi zingathatha ii-2/12 ze-premium kwi-installment yokuqala. Fumana zonke iinkcukacha ngaphambi kokuba ungene ngemvume, ukuqinisekisa ukuba awuyi kuba neengxaki zokuhlawula okanye ukhansele .

Kutheni Ndiyayifumana Imali Yenkampani Yomshuwalense Imali, Nangona Ndihlawule Ngenyanga?

Abantu badla ngokungaqondi kakuhle isicwangciso senkqubo yentlawulo yomshuwalense. Bacinga ukuba kubanjwe ubulungu bokuzivocavoca okanye enye iplani yokusetyenziswa kwenyanga. Inkampani ye-inshurensi ixhasa umgaqo-nkqubo wekota elilodwa. Ukuba isigqibo somgaqo-nkqubo siyahlonishwa, ke iintlawulo zenyanga ziza kubhala iindleko ezipheleleyo zomgaqo-nkqubo ekupheleni kwekota. Nangona kunjalo, ngokungafani neenkonzo okanye iimveliso onokuzithenga kwivenkile, iindleko zenguqu ye-inshorensi ukuba ixesha liye linciphisa libe ngaphantsi kwexesha lesivumelwano sokuqala. Yingakho xa ucela ukucima umgaqo-nkqubo phakathi kwekota, unakho ukuhlawula "isohlwayo" , okanye ubuyiselwe imali yakho kwingxenye yegama elingasetyenzisiweyo elibalwe kwisithuba esifutshane endaweni yesiseko esilinganisiweyo. Ngoko umzuzu umlinganiselo uya kunyuka, ngenxa yegama eliqingqiweyo elifutshane, iintlawulo zakho zenyanga azihlanganyani neshedyuli. Ungagqiba ukuhlawula imali, nangona emva kokuba umgaqo-nkqubo ususwe ngenxa yokukhishwa kwesantya esifutshane , kunye / okanye nayiphina imirhumo eya kudibaniswa ngenxa yokungaphumeleli kokuhlonipha isivumelwano.