Fumana iNkampani Yomshuwalense Eyona Ntle
Funda ukuthelekisa iinkampani zomshuwalense ukukunceda ukhethe inkampani efanelekileyo kuwe kunye nosapho lwakho. Iinkampani zomshuwalense zihlala zibukeka zifana, ungazi njani ukuba yiyiphi enye inkampani ebhetele? Ixabiso, ke, ukuqwalasela phezulu, kodwa indleko yinto enye yokuqwalasela. Qala ngokwazi kwakho amandla kunye nobuthakathaka benkampani yakho yenkampani yinshurensi, qhathanisa ukukhawuleza, yenza inkqubo yakho yokubeka amanqaku, kwaye ungakulibali ukujonga ixesha lepolisi.
Inkqubo yokulinganisa kunye neNkqubo engalunganga iya kunceda ekuqinisekiseni amandla omshurensi. Phakathi kokulinganisa kukho, umzekelo, isilinganiselo se-A + sisetyenziselwa umda onamandla kwaye unamandla kakhulu. Uninzi lweenkampani ezinkulu ze-inshorensi ezivakaliswayo zivakaliswa ngokuthe rhoqo kwizintlu ezinamandla nangaphezulu. Kodwa, kuyinto enhle ukukwazi ukujonga inkcazo yempilo yenkampani ye-inshorensi phambi kokubeka ibhizinisi lakho nabo.
Inkqubo yokuHlola yeeNkampani zeAshishino
Khangela iinkcazo zenkampani yomshuwalense we-inthanethi. Iprofayili inokukunika ukuvakalelwa ngokubanzi kwisakhiwo senkampani. Iiprofayili zinokukunika ulwazi olufanelekileyo kwiinkampani ezizodwa. Naluphi na uncedo lwengcaciso lunokukunceda ukuba unqume ukuba inkampani enikeziwe yinto enhle kuwe.
02 Qhathanisa umgangatho
Akunjalo wonke umthumeli we-inshurensi unikezela ngokuchanekileyo inkonzo yomshuwalense I- deductible ehlukeneyo inokufumaneka, kwaye iintsimbi ezikhethiweyo kunye nezikhwelo zinokuhluka ngohlobo lwe-inshurensi ezahlukeneyo. Ngokomzekelo, ukuba ngaba unomkhweli owongeziweyo kwipolisi yakho ekunika zonke iindawo ze-OEM ukuba usengozini ngokubhekiselele kwimimandla engemva; uya kufuna ukuthatha ingqalelo xa uthelekisa iinkampani zomshuwalense. Ukuba iinxalenye ze-OEM zibalulekile kuwe, kubalulekile ukwazi ukuba zonke iinkampani zinikeza ii-OEM izingxenye zokulungiswa.
Ezinye izinto ozozijonga xa uthelekisa iinkqubo ze-inshorensi ziquka imida yokukhwela, imida yokuqeshisa imoto , kunye nemirhumo yenkonzo. Ezi zintluko zingase zibe ziincinci, kodwa xa zongezwa kunye zingenza umlinganiselo omkhulu ngokubanzi. Ingqwalaselo ephambili kufuneka ikwazi ukungafani, ngoko awuyikumangaliswa ngexesha lebango.
03 Yenza i-Scorecard Yakho
Uninzi lwexesha xa uthengela i-inshurensi , unalo ulwazi oluninzi oluqhubekayo kwiziko ngalinye. Yenza i-scorecard ukulandelela inkonzo yabathengi kunye nexabiso ukwenzela ukuba ufumane ingxaki ekubhekiselele kwiimeko zakho zekamva ezinokuthi zinjengeliphi na i-agency enikeziweyo. Izinto ezimbalwa kwi-scorecard yakho zingabandakanya:
- Ubungane: Ngaba igosa yomshuwalense ethatha ulwazi lwakho lubonakala liba nobungqina kwaye linobubele okanye lucasulayo
- Ukwazi: Ngaba ummeli we-inshurensi uchaza ukukhutshwa ngokuzikhethela, okanye kubonakala ngathi bayakuqhuma kwenkqubo kunye nokusika iingcingo?
- Ixesha loMpendulo: Ngaba ufumana ukukhawuleza ngokukhawuleza ngexabiso, okanye kufuneka ubize i-ejensi kwakhona icela umnqaku wakho?
- Ixabiso: Ixabiso lihlala lihlala kwingqondo yomntu wonke xa kuziwa kwi-inshurensi. Qinisekisa ukuba uqaphele amanani acatshulwe ngabathwali bomshuwalense ngamnye.
04 Khangela i-Term Term
Ubungakanani bomgaqo-nkqubo buyaguquka ngakumbi kwinkqubo yomshuwalense wemoto kunokuba kwezinye iindidi ze-inshorensi. Xa uqhathanisa iinkampani zomshuwalense, qiniseka ukuba uqaphele ukuba ngaba uya kuvalelwa kwinyanga emithandathu okanye ngomnyaka. Umgaqo-nkqubo wonyaka wenza ukuba amaxabiso akho akwazi ukunyuka kunyaka wonke. Ewe, iirhafu zakho azikwazi ukuhla okanye, ke qiniseka ukuba awunayo imicimbi enkulu phakathi konyaka njengethikithi yokuyeka okanye ukuzalwa kwe-25.
Into enhle nge-inshurensi unako ukhululekile ukutshintsha iithwali naliphi na ixesha onqwenelayo. Ukuthelekisa iinkampani zomshuwalense kufuneka kube yinkqubo elula, nje kuphela ukuba uyazi ukuba ukhangele ntoni. Funda malunga nemvelaphi yenkampani, qhathanisa ukukhutshwa, kwaye uqinisekise ixesha lepolisi ukuze uqhathanise neenkampani zomshuwalense.