Ubaluleka beSibhengezo sePhepha

I-inshurensi iya kwiphepha

I-inshurensi ayikho into ebonakalayo. Into oyifumanayo yiphepha elipheleleyo lephepha elibhekiselwe kuyo njengepolisi yakho. Ngomgaqo-nkqubo ngamnye we-inshurensi yiphepha lokuvakalisa okanye iphepha le-dec elifutshane. Ngaphandle kobungqina bakho bekhadi le-ID ye-inshurensi , iphepha lokubhengezwa lixwebhu elibaluleke kakhulu kumaphepha akho omgaqo-nkqubo. Ikhasi lokumemezela linemisebenzi emininzi ebalulekileyo.

Okokuqala, kwintoni na iphepha lokubhengezwa?

Zonke iinkcukacha zakho ze-inshurensi ezifanelekileyo zifakwe kwikhasi lakho lokumemezela. Ulwazi lomntu siqu njengegama lakho, usuku lokuzalwa, kunye nenombolo yelayisenisi yokuqhubela phambili yile nxalenye kwikhasi lakho lokumemezela. Ulwazi lwakho lwezithuthi kunye nolwazi lwebolekisi bobabini balwe kwiphepha le-dec. Kwakhona, i-coverage yakho, izaphulelo , kunye ne-premium zibhalwe kwiphepha le-dec. Ikhasi lakho lokubhengezwa libekwe ukubonisa yonke into yokufikelela lula.

Ikhasi lakho lokumemezela lithunyelwa okanye lithunyelwe nge-imeyile kuwe rhoqo xa umgaqo-nkqubo wakho uvuselela okanye utshintsho lwenziwe. Yigcina iyifumaneka ngokulula ukuze ifikeleleke ngokukhawuleza ukuba iyimfuneko. Ukuba awukwazi ukufumana iphepha lakho lokubhengezwa ngaliphi na ixesha, unokuqhagamshelana ne- arhente yakho okanye umthumeli womshuwalense ngokukhawuleza ukufumana ikopi entsha eyithunyelwe kuwe. Imisebenzi emininzi yekhasi lokumemezela iquka:

I sixhobo:

Ikhasi lakho lokubhengezwa lixhobo esikhulu senkcazelo. Yisebenzise ukuze uqinisekise ukuba ukhuseleko lwakho luchanekile. Ukuba uthe wathenga umgaqo-nkqubo wakho , hlaziya iphepha lakho lokubhengeza ukuqinisekisa ukuba zonke izinto ovumelene ngazo.

Ngexesha lebango , phuma kwikhasi lakho lokubhengezwa ukuqinisekisa ubungqina. Naliphi na ixesha unombuzo malunga nokubhalwa kwekharityhulam kubhekise kwiphepha lakho lokubhengeza.

Uqinisekiso lweNtshumo-mali:

Ngoko wabiza i-arhente yakho ukuba ungeze isithuthi kwi- auto auto insurance yakho . Uyazi njani ukuba utshintsho lwagqitywa?

Njalo xa utshintsho lwenziwe kwipolisi yomshuwalense, iphepha lokubhengezwa liya thunyelwa okanye lithunyelwe nge-imeyile ngqo kuwe. Gcina iliso kwiphepha le-dec emva kokuba wenze utshintsho lwakho ukuze wazi ukuba utshintsho lwakho lwenziwe ngokufanelekileyo. Hlola iphepha ukuze uqinisekise yonke into efakwe ngokuchanekileyo.

Ukuqinisekiswa kweLender:

Ukuba unomboleko kwenye yezithuthi zakho, umboleki-mboleko udla ngokufuna ubungqina bomshuwalense. Umboleki-mboleko akafunanga lakho ikhadi le-id yomshuwalense, kodwa iphepha lakho lokuvakalisa. Ikhasi elimisiweyo liza kuqinisekisa ukuba isithuthi sisesigxina, umrhumo owenziwe kuwo, kwaye ubonise ukuba umboleki-mali uboniswe njengentlawulo yokulahlekelwa okanye eyongezelelweyo inshorensi . Amaxesha amaninzi inkampani yakho yomshuwalense yiyo ethumela iphepha lakho lokubhengezwa kumboleki, kodwa ngamanye amaxesha ufumana imishandled kwaye uya kufuneka ukunikezela ikopi.

I-inshurensi yokuthenga:

Xa uthengela i-inshorensi , yiba nephepha lakho lokubhengeza ngesandla ukuze uncede ekukhangekeni kwenkqubo entsha. Kuya kukuvumela ukuba wena kunye nekampani yakho yomshuwalense entsha inokuqinisekisa ubungqina bakho obukhoyo, okuvumela ukuba icala lilandelelanise. Ngaphezu koko, xa ushintshela i-inshurensi inkampani yakho entsha iya kufuna ubungqina benkcazo yakho yangoku. Ikhadi lakho le-id yomshuwalense kaninzi ayanele. Ikhasi lakho lokubhengezwa liyadingeka ukuqinisekisa ubungqina bakho obukhoyo.

Ikhasi lokubhengezwa liyimfuneko kwifayili yakho yomshuwalense. It isetyenziswe kuyo yonke imigca yemigudu yomshuwalense kubandakanya imoto, ikhaya, isithuthuthu , i-RV, kunye nemigaqo-nkqubo yeekhephe . Hlola iphepha lakho lokubhengeza ukuqinisekisa ukuba lichanile ngokupheleleyo. Ukuphonononga ulwazi lwakho lomntu, ulwazi lwezithuthi, yonke i-coverage kunye nama-premium. Kwakhona, qinisekisa zonke izaphulelo ozilungeleyo zibhalwe ngokuchanekileyo. Ikhasi lokumemezela liyiyo kuphela isixhobo sakho sokulwa neziphene. Ukuba unemibuzo malunga nekhasi lakho lokumemezela, cela i-agent yakho ukuba uncede ukuyifunda. Iphepha le-inshurensi linokuba nzima ukuchaza, kodwa ukubaluleka kwephepha lokumemezela kwenza kube yinto enye ofuna ukuyiqonda ngokupheleleyo.