Ukuzinyamekela yindlela yokunciphisa iindleko zomshuwalense ngokugcina imali efanelekileyo yokugcina i-inshurensi. Ngokugcina isikhwama somhlala-mboleko uvumela ukuba ufumane enye yengozi yakho. Xa uthatha enye yemingcipheko yakho engaphephekiyo unokunciphisa ngokukhawuleza iindleko ze-inshorensi zamanje, gcina amaxabiso akho e-premium phantsi, ukhulule imali eyongezelelweyo ukuthenga i-inshurensi eyongezelelweyo ongayimfuneko.
I-fund ye-inshurensi yenzalo yinkxaso yemali ebekwa bucala ukuba uyisebenzise kwiimfuno zakho ze-inshorensi. Uya kulufuna ukugqiba ubuninzi besikhwama sokugcina i-inshurensi oya kuyidinga ngemfuno zakho zomshuwalense. Ngokukwazi oko uza kusebenzisa imali yakho ye-inshurensi yakho kuya kukunceda ubone ukuba ungakanani ukubeka eceleni.
Iindlela ongayisebenzisa Ngayo i-Fund yakho yokuThumela i-Inshurensi Fund
1. Kucima imfuno yakho yeentlobo zemigaqo-inshorensi ongayifumana ingozi. Ngokomzekelo, unokukwazi ukuphelisa ukuthengwa kweenqwelo-mveliso kwiimishini zomshuwalense kwi-inshurensi yemoto engenaxabiso elincinci, okanye i-inshorensi kwizinto ezixabisekileyo kunye neendandatho ngokusebenzisa i-inshurensi yakho ye-inshurensi ukuhlawula iindleko zokufaka endaweni yezi zinto. ngokwakho.
2. Yenza iinqununu zakho zemoto kunye nekhaya zikhulu. Ngokwenza i- inshurensi yakho ye-auto kunye neyakho ekhaya ikhulile , uya kuziqinisekisa (nge-self-inshurensi yakho) ukuze uhlawule imali leyo eya kukunceda ukuba uhlawule ngokukhawuleza intlawulo yakho yepayimenti.)
3. Ukubeka ixesha lokulinda ukukhubazeka.
Wonke umntu udinga i-inshorensi yokukhubazeka kwaye ukuba ufuna ukukwazi ukuyithengisa ungasebenzisa i-fund yakho yesikhwama-inshurensi ukukuvumela ukuba wamukele ixesha elide lokulinda ngaphambi kokuba u-inshuwalense yakho yokukhubazeka ikhawuleze apho okukuya kwenza ukuba unciphise ama-premium.
4. Shintshela kwi-inshurensi yempilo yonyango. Ngokutshintshela kumgaqo-nkqubo we-inshorensi yempilo ekhutshwayo kuphela emva kwe-deductible enkulu, ngezinye iindawo ebizwa ngokuba yi-inshurensi yempilo yongxamiseko, unokugcina imali eninzi kwiimali-mali ze-inshorensi zempilo. Ngokusebenzisa lolu hlobo lomgaqo-nkqubo, uya kusebenzisa i-inshurensi yakho ukuhlawula ukutyelela ugqirha kunye neenkqubo zonyango kunye nentsholongwane yakho yomshuwalense.
Ukuba ukhetha ukuzithemba ngokwakho, uya kufuna ukuba imali yakho isebenzele yona ngelixa ilindele ukusetyenziswa. Indlela efanelekileyo yokugcina imali yakho yesikhorensi esisebenza kuwe kukutyalomali. Utyalo-mali lwakho kufuneka lubekelwe kwiimali-mali ezifutshane ezinokuthi ziphendulwe ngokukhawuleza ngemali efanelekileyo ngaphandle kwelahleko enkulu kwixabiso. Ezi ntlobo zotyalo-mali ziza kubandakanya i-akhawunti yemarike yemarike kunye / okanye iimali zentengiso . Gwema utyalo-mali olude olude njengama-stocks kunye nezibhonkco njengoko azifanelekanga kwixesha elifutshane loxinzelelo lwengxakeko ezifana ne-self-insurance fund.
Ukuba ungathanda, ungakhetha kwakhona i-akhawunti yokulondoloza. Ukubuya kwakho kwi-akhawunti yokulondoloza kuya kuba phantsi kodwa kuya kufumana lula ukufikelela kwimali yakho ngeli xesha lifumana imali encinane yokubuya.