Imigomo neemeko zichazwe kwiindawo zomgaqo-nkqubo. Kubaluleke kakhulu ukuqonda indawo ehlukeneyo yomgaqo-nkqubo kunye noluphi uxwebhu olukhoyo.
Autos eViweyo
Iimoto ezigqitywe ngumgaqo-nkqubo we-inshurensi yomsebenzi wezoshishino zonyango, eziqashiweyo, eziqeshwe okanye ezibolekelelwe ishishini kwaye zenzelwe ukuqhutyelwa kwiindlela zoluntu. "Isimboli soku-1" sinikezela ngokukhawuleza kubanzi kwaye kubonisa ukuba nayiphi na imoto ijongwe. Isimboli 1 siquka ii-autos, eziqashiweyo kunye nezinazo. "Isimboli 7" sinciphisa le ngxelo kuphela ngokucacileyo ngokuchazwe ngokucacileyo kwiphepha lokuvakalisa ipolisi.
Abaqhubiweyo
Umqhubi ogqityiweyo kumgaqo-nkqubo we-inshurensi yemoto yabanini beshishini unokuba ngumnikazi ngokwakhe okanye abasebenzi bakhe. Umqhubi orenjiweyo ngumnini-shishini ngokwakhe okanye nabani na oqhuba isithuthi esityhiweyo kunye nemvume yegama elibhekiselweyo. Ukukhutshwa akusebenzi kumntu othengisayo, ukukhonza, ukulungisa okanye ukupaka i-autos, ngaphandle kokuba le nto ibhishini.
UmGaqo
Ukubambisa uxanduva lomgaqo-nkqubo we-inshurensi yomshishini wenkokhelo uhlawula umbopheleleko womthetho womnini-mthethweni ngenxa yemonakalo ebangelwa abanye ngengozi ekhuselekileyo eyenza ukulimala komzimba okanye umonakalo wepropati. Inkampani ye-inshurensi iya kukhusela i-insured ngokusemthethweni ngokuchasene nezigwebo kunye namabango ukuya kwimida yomgaqo-nkqubo.
Umonakalo weMvelo
Umonakalo ongokwenyama ungeniswa kwipolisi yomshuwalense we-auto. Umonakalo ngokomzimba, owaziwa nangokugqithisileyo kunye nokudibanisa , ubandakanya umonakalo kuma-insureds autos njengesiphumo somngcipheko kumgaqo-nkqubo. Ukubambana xa i-auto ekhuselekileyo ihlaselwa esinye isithuthi okanye into. Olupheleleyo lunokuchazwa ngokugqithisileyo njengento enye ngaphandle kokungqubana. Ezinye imizekelo yebango elibanzi lokubhengezwa liya kuba ngumonakalo obangelwa ngumlilo, umoya, isichotho, ukutshabalalisa okanye ukusela.
Iimeko
Icandelo "lemiqathango" yenkqubo yomgaqo-nkqubo wezopolitiko yoluhlu luxanduva lwezomthetho lwe-insured kunye nenkampani yomshuwalense. Kwiimeko zecandelo lomgaqo-nkqubo, uya kufumana ulwazi malunga neembopheleleko zokuhlawula i-premium yomshuwalense, ukufaka ifowuni kunye neenkqubo zokusombulula iingxabano.
Iinkcazo
Icandelo leenkcazo zomgaqo-nkqubo we-inshurensi yomnini-shishini yilapho umnikazi wepolisi afumana khona oko kuthiwa "ukuprintwa kakuhle" komgaqo-nkqubo. Eli candelo lichaza amalungelo akho njengomnikazi wepolisi kwaye amagama aqhelekileyo asetyenziswa kumgaqo-nkqubo achazwe. Kubalulekile ukuqonda iingcaciso njengoko amanye amagama asetyenziswa kumgaqo-nkqubo anganciphisa okanye aphephe umgca.
Ukuba ungathandabuzeki kwishishini lomshuwalense we-auto ulungele wena, ummeli we-inshorensi unokuchazela ngokubanzi iinkcukacha zokufumana iinkqubo ezigunyazayo kwaye zeziphi ezikhethiweyo. I-arhente yakho ineminyaka yamava nemigaqo-nkqubo yemoto kwaye inokunceda ukuyila umgaqo-nkqubo womshuwalense we-inshorensi omele wena kunye neemeko zeshishini lakho elikhethekileyo. Unokuthabatha ixesha lokwenza ukuthelekisa kwakho ukuthenga i-intanethi kunye neesayithi zokufanisa i-inshorensi.
Xa ukhetha inkampani yomshuwalense kwishishini lakho lomshuwalense, yenza uphando ngenkampani kwaye ufumanise ukulinganisela kwayo ngeBusiness Business yeBusiness kwakunye nokulinganiswa kwamandla okusebenzisa iimfuno ezivela kwimibutho ye-inshorensi efana ne- AM Best , Standard & Poor's kwaye Moody's .