Ubungqina Bakho Umshuwalense Nangona Ulindele Umgaqo-nkqubo
Inkonzo yomshuwalense bubungqina bakho bomshuwalense ngelixa ulinde amaphepha omshuwalense omtsha ukuba akhutshwe. I-inshurensi ibinder ibonisa isivumelwano phakathi kwakho kunye nenkampani yomshuwalense kwaye isiqinisekiso ngokubhaliweyo ukuba umgaqo-nkqubo uza kukhutshwa.
Inkcazo yeNgxowa-mali yomshuwalense: Inkokhelo yomshuwalense ngumqulu wesikhashana okhutshwe ngummeli ogunyazisiweyo onomshuwalense osebenza njengobungqina bomshuwalense kwi- inshurensi yasekhaya , impahla okanye imoto.
I-binder yakho ye-inshurensi iya kubeka iinkcazo kwiimeko ezisisiseko, iifowuni, ii-deductibles kunye ne-insureds egama eliza kubonakala kwinkontila yakho yomshuwalense .
Inkonzo yomshuwalense ikhishwa ngexesha lesigxina kwaye ixhomekeke kuyo yonke imimiselo kunye nemimiselo yekhontrakthi ye-inshurensi elindele. Xa umgaqo-nkqubo we-inshurensi ukhutshwa, i-inshorensi iyabonakala ibe yinto engafanelekiyo, kuba ithatha indawo yesikontrakthi.
Iimbophelelo ze-inshurensi zivame ukubonisa umda wokuba uvumelekile. Ukuba awufumananga amaxwebhu akho omgaqo-nkqubo kunye nesithintelo sakho siphelile, qiniseka kwaye ulandele ukucela amaxwebhu akho.
Ngubani ofuna i-Insinder Binder?
Naliphi na ixesha xa uthenga i-inshorensi, kufuneka ucele i-inshorensi ukuze uqinisekise ubungqina bokuba umgaqo-nkqubo uza kukhutshwa kwaye kubaluleke nakakhulu, into oyicelile ukuba uyifake. Xa ufumana i-binder yakho ye-inshorensi uhlole zonke iinkcukacha ngokucophelela ukuze ungenayo ingxaki ukuba unayo ibango ngaphambi kokuba amaxwebhu afike.
Isibhengezo sakho siya kunika isishwankathelo esisiseko sokuba ngubani kunye nento eqinisekisiwe, kunye ne -deductible kunye nemigangatho yomgaqo- siseko.
Inqwelo-mali ye-Inqwelo-mali: Izibophelelo ze-Inshorensi
I-inshurensi ye-inshurensi yemoto isetyenziselwa ukubonisa ukuba ufumene i-inshorensi kwisithuthi sakho kwaye ingaba yimfuneko yokuthengiswa kwemoto okanye inkampani yokuqeshisa okanye yemali xa kuthengwa imoto entsha.
I-Intshurensi yasekhaya
Inkonzo yomshuwalense wekhaya isetyenziselwa ukubonisa ukuba unesiqinisekiso se-inshorensi ekhayeni lakho kwaye isetyenziswa ngokuqhelekileyo xa usayina ipropati entsha ukwenzela ukuba ungqinise kumboleki okanye umboleko wempahla yokuba loo propati inesiqinisekiso.
Ixesha leNkundla ye-Intshurensi iya kukhutshwa nini?
Inkonzo yomshuwalense kufuneka ikhishwe ngokukhawuleza xa ucela ukuba nenkqubo yomshuwalense ekhutshwe. Lobu bungqina bakho besikhorensi.
Inkonzo yomshuwalense iyakunceda xa amaxwebhu omgaqo-inshurensi, njengephepha lokumemezela kunye neengxelo zesikontrakthi azifumaneki ngokukhawuleza. Kuqhelekile ukuba kuthathe iintsuku ezimbalwa kwinkampani yomshuwalense ukuba isebenze yonke iphepha efunekayo ngaphambi kokuba kukhutshwe umgaqo-nkqubo, apho i-binder yintsimbi yinto ebalulekileyo yokuqinisekisa ukuba uqinisekisiwe uze ufumane amaxwebhu akho.
Ziziphi iinkcukacha ezibandakanyiweyo kwi-Binder ye-Inshurensi?
I-inshorensi ye-inshorensi ifanele ifake lonke ulwazi oluyimfuneko malunga nekhontrakthi yomshuwalense ethe yathengwa.
Isithintelo se-inshurensi siya kubandakanya ezi zilandelayo 7 Izinto eziphambili:
- I-inshorensi ye-inshorensi ibone ngokucacileyo ingozi. Umngcipheko wukuthi i-insured. Ngokomzekelo, ukuba ibhinti iyimoto, i-inshorensi ye-inshorensi ifanele ifake isithuthi, imodeli kunye nenombolo yecala yemoto. Ukuba i-inshorensi ye-inshurensi yipropati, ibhinqa kufuneka ifake idilesi yengozi yomshuwalense kunye nenani le-inshurensi kwindawo yokuhlala (inzuzo yokuhlala yokuhlala). Ukuba uqinisekisa i-condo okanye igumbi, kufuneka libandakanye isixa somxholo esiqinisekisiwe .
- Inkokhelo ye-inshurensi . I-inshorensi ye-inshorensi iya kubonisa inani leminshurensi yesikhokelo sokuxanduva kwi-"risk".
- Ukukhutshwa kweeDeductibles kunye neMida. I-inshorensi ye-inshorensi kufuneka ibonise i-deductible kwicandelo ngalinye le-inshurensi kwimoto, okanye kwikhaya okanye kwipropati. Uhlobo lokubhengezwa kunye nomda ngamnye wokukhawulela kufuneka kukhankanywe kwakhona. Ngaloo ndlela i-inshorensi yesikhorensi isebenza njengesiqinisekiso sokunyaniseka kwesiseko sekontirensi yomshuwalense, kunye nemida yomshuwalense onokuyilindela xa kukho ibango. Ukuba kukho i- inshorensi echaphazelekayo eyimfuneko ebalulekileyo yokuthengwa kwakho owithengileyo, ibhinki ye-inshorensi inokubandakanya ezi ngxelo.
- I-inshorensi ye-inshorensi kufuneka icacise igama eliqinisekisiwe elibizwa ngokuba yi-insured kwaye icacise eyongezelelweyo i-insureds enegama. Ngokomzekelo, igama elibizwa ngokuba ngumshurensi ngokuqhelekileyo ngumnini wepropati. Olongezelelweyo ogama lingu-insured lingaba ngumnini ongezelelweyo, njengokuba ipropati inomntu omnye okanye abaninzi abantu, okanye umnini-mboleko okanye umnini-mboleko. Kwimeko yeemoto, inkampani yezemali kunye nokuqeshisa kufuneka ibonakale kwi-binder ye-inshurensi.
- I-binder ye-inshurensi kufuneka ibonise ngokucacileyo inkampani yomshuwalense, kunye nohlobo lokubhengezwa. Ekubeni i-inshorensi inamanqanaba amaninzi ahlukeneyo, ngokukodwa ngamakhaya , uhlobo lokubhalwa kufuneka luchazwe kwi-binder ukuba lingavumeli indawo yokuphutha okanye ukungaqondi.
- Umcebisi uya kubonakalisa ngokucacileyo ixesha le-inshurensi, umhla wokubambisa u-inshurensi usebenza kwaye umhla wokubambisa i-inshurensi usebenza kuze kube yilapho.
- Ubhenkethi kufuneka abone inkampani yomshuwalense, ummeli womshuwalense, ogunyazisiweyo kunye nenkundla yokukhutshwa kwemithwalo-mali eya kubonisa ukuba i-binder iyaxhomekeka kwimimiselo neemeko zomgaqo-nkqubo.
Ixesha elide le-Intshurensi elungileyo okanye elifanelekileyo?
I-binder ye-inshurensi iya kusebenza ngokufanelekileyo kwixesha elimiselweyo elibhalwe kwi-binder ye-inshurensi. I-binder iyasebenza kuze kube yilapho ixesha elinokuthi imibhalo yenkqubo yomshuwalense iyaprintwa okanye ikhutshwe. Xa amaxwebhu asemthethweni akhutshwe, i-binder ayinanto kwaye ayikho inkontileka yangempela.
Yintoni engabandakanywa kwi-Binder Insurance?
Inkonzo yomshuwalense isishwankathelo se-inshurensi esetyenziselwe ukunika uluvo olubanzi lweefayili eziphambili kuze kube yilelo xesha umgaqo-nkqubo ufike. Ngomgaqo-nkqubo wekhaya, oku kuya kuba yintlawulo yomshuwalense kwisamba sakhiwo, i-deductible kunye negama elibizwa ngokuba yi-insured kunye nenqubomgomo. Ngomgaqo-nkqubo wemoto, oku kuya kuba yinkcazo yemigqaliselo efana noxanduva, ulwalamano okanye ukukhutshwa ngokubanzi kunye neentlawulo ezidityanisiweyo. Amagatya kunye nezigatshana ezifaka isicelo kwiinkampani zezimali nazo zibalulekile. I-inshorensi ye-inshorensi ayiyi kubandakanya nayiphi na imigaqo-nkqubo yomgaqo-nkqubo okanye inkcazo yemigqaliselo efana nemida ekhethekileyo kwimigaqo-nkqubo yasekhaya . Igama lomgaqo-nkqubo kunye nemigqaliselo yenkontileka yakho yonyhorensi iya kuhlala ihamba phambili ngaphezu kwayo nayiphi na into echazwe kwi-binder.
Imizekelo emibini yeNgxelo ye-Intshurensi ingasetyenziselwa njengobu bungqina bomshuwalense
- UJack uthengisa ikhaya elitsha, uyalibala ukuqhagamshelana nenkampani yomshuwalense kude kube ngumzuzu wokugqibela, kwaye nangona ekwazi ukufumana isicatshulwa kunye nokuqinisekiswa kwenqubomgomo yomshuwalense yokuhlala, inkampani yomshuwalense ayikwazi ukucwangcisa onke amaphepha kwangoko. Igosa lakhe lezakhiwo liyamcebisa ukuba ngokusayina indlu, kuya kufuneka ukuba abe nobungqina bokuba u-inshurensi. Ubiza umnxeba wakhe we-inshorensi aze abuze i-binder ye-inshurensi. I-binder ibhalwe ngumthetho obopha ngokomthetho oya kubakho ubungqina obaneleyo ukuba uJack azalise ukusayinwa kwekhaya lakhe. Emva kokuba i-inshorensi yangempela ifikelele kwi-imeyile, uJack uya kuhoxisa inqobo, kuba umgaqo-nkqubo ubungqina bomshuwalense kwaye luqulethe ulwazi olupheleleyo.
- UJennifer uthengisa imoto entsha. Umthengisi wakhe uyamxelela ukuba abanako ukumvumela ukuba athathe imoto aze afumane ubungqina bomshuwalense. UJennifer ubiza umnxeba wakhe we-inshurensi ochaza ukuba akanalo ixesha lokukhupha amaxwebhu kwindawo leyo, nangona kunjalo unamandla okukhupha i-binder ye-inshorensi eya kuqinisekisa ukuba uJennifer uhlanganiswe kude kubekho amaxwebhu akhutshwe ngokusemthethweni. Igosa le-inshorensi egunyazisiweyo likaJennifer lizalise iphepha kwaye linikezela nge-binder ye-inshurensi.
Kuthiwani Ukuba Andizange Ndiyifumane Inqubomgomo Yomshuwalense? Emva kokuba i-Inshurensi Binder iphelelwe yisikhathi
Kubaluleke kakhulu ukuba uqinisekise ukuba uyifumana ipolisi yomshuwalense wakho. I-binder ye-inshurensi ayifaki ithatha indawo yomshuwalense kwaye ayifumanekanga ukumela isivumelwano sexesha elide. Ukuba awufumananga umgaqo-nkqubo wakho womshuwalense ngaphambi kokuphela kwesithintelo sakho kukho ingxaki enkulu. Kuwuxanduva lwakho ukulandelelana kwisivumelwano sakho kwaye uqinisekise ukuba ukhutshwa. Nangona uhlawule i-inshorensi, de kube unesivumelwano somshuwalense esisemthethweni esandleni sakho, usemngciphekweni xa unobungozi usuphelile. Unelungelo lokufumana ikopi yesivumelwano sakho.
Inkokhelo yakho yomshuwalense ayiyi kuKhusela emva kokuba usuphelile
Ukuba unenkathazo yokufumana ikhontrakthi yakho ekhutshwe kwaye ayikwazi ukufumana uncedo kwi-ejenti okanye ummeli we-inshorensi okhuphe isithintelo sakho, ngoko unokuqhagamshelana nomkomishinala wakho we-inshorensi yomhlaba ukukunceda ukuba ufunde okokuqhubekayo. Kwiimeko ezininzi, i-arhente yakho kufuneka ikwazi ukulungisa umcimbi kwaye ufumane ipolisi yomshuwalense ezandleni zakho kwiiveki ezimbalwa. Khawukhumbule, inqobo yesikhashana, uyayidinga isivumelwano emva kokuba ixesha le-binder liphelile.