Yintoni Eyenzekayo Ukuba Uxoka Ukuba Unomshuwalense?

Kutheni ukuLawula okanye ukuvalela izinto kungakubiza imali

Iinkampani zomshuwalense zibuza imibuzo eninzi xa ufaka isicelo se-inshurensi. Ngamanye amaxesha imibuzo ibonakala yodwa, okanye iyasicasula kwaye isenza sibuze ukuba kutheni sifanele siphendule. Ngamanye amaxesha, imibuzo yeenkampani zomshuwalense zicela ukuba sifumane iiphuzo ezithe xaxa okanye ukunciphisa intengo kwaye siphendule ngaphandle kwengxaki ukuba siya kusinceda silondoloze imali kwizinga lethu. Siyazi ukuba indlela esiyiphendula ngayo imibuzo iqulethe ulwazi olumisela intlawulo esihlawula ngayo i-inshorensi, ngoko kuyacaca ukuba xa abantu bephendula imibuzo yomshuwalense, bafuna ukuba kwindawo efanelekileyo yokufumana izaphulelo ezininzi kangako.

Kwenzeka ntoni xa iimpendulo zale mibuzo zisenza sikholwe ukuba sinokuhlawula ngaphezulu?

Ngaba Kukulungele Ukuxoxela Intshurensi Ukuze Ufumane Imilinganiselo Engcono?

Ingaba yenze umahluko xa uthetha ngokugqithiseleyo nje, unqande ulwazi, okanye uvele ucace nje? Kunzima ukuqonda imiphumo yokuqamba amanga kwi-inshurensi ngaphandle kokuba ubanjwe ngamanga, ngoko kufike ixesha elide. Nantsi ehla phantsi:

• izizathu ezahlukeneyo abantu balala kwi-inshurensi
• amanga amancinci amancinci kunye nokuchaswa ngabantu abenza iinkampani zomshuwalense
• yintoni imiphumo
• Izindlela zomthetho ungagcina imali kwi-inshurensi ngaphandle kokuxoka

Ngaba Abantu Baya Kuxoka Kwimishuwalense Yokugcina Imali Yomgaqo-nkqubo We-Intshumo?

Izibalo zibonisa ukuba abantu balala xa befaka i-inshorensi. Ngokomzekelo, uphando olwenziwa ngo-2016 lwaba-3 000 abathengi nge-CoverHound lubonise ukuba ama-51 eepesenti zezicelo zomshuwalense wango-auto akazange anike ulwazi oluchanekileyo kwiinkampani zomshuwalense. Nangona izizathu umntu azinako ukubonelela ngolwazi oluchanileyo zingachaphazela ekubeni wenze impazamo ethembekileyo, ukuthetha kakubi okanye ukuthetha amanga, iziphumo zokulala kwisicelo se-inshorensi okanye ukulala kwenkampani yomshuwalense ngexesha lokubango linokuthi lube lukhulu.

5 Iingxowa-mali eziqhelekileyo zeeNtshumo zaseKhaya kunye ne-inshurensi

1. Ingaba unendawo yomlilo okanye isitofu somthi. Ngokuxhomekeke kwenkampani yomshuwalense kunokubakho iindleko ezongezelelweyo xa umntu enomtsalane oncedisayo njengesitofu esivuthayo somthi. Abantu ngamanye amaxesha "bayalilibala" ukuxelela i-inshorensi malunga nale nto, kodwa ngokuphindaphindiweyo ngaphandle kwegosa yomshuwalense okanye ummeleli uza kubuza umbuzo. Ukuba uxoka ngoku, kuya kuba yingxaki kwibango.

1. Ukuba unenja yingozi okanye inja. Kwakhona, ukuxoka malunga nokuba unayo inja okanye akunjalo ngenxa yokuba ukwesaba ukuba awuyi kufumana i-insured kuya kuba yingxaki kuwe ukuba unayo ibango. Ukuba ulwazi lugcinwe kwiinkampani zomshuwalense, okanye ukuba isibhengezo sobuxoki senziwa isivumelwano se-inshurensi singacinywa okanye sithathwa njengento engekho nto.
2. Ukuba unayo idama okanye i-trampoline. Amachibi kunye ne-trampolines yinkinga kwabanye bomshuwalense ekhaya. Kungcono ukuchazela olu lwazi kuba unokuba ufuna enye inkcazo eyongezelelweyo eyakufuneka ifakwe kwipolisi yokugubungela ibhodi ngokomzekelo. Amachibi okubhukuda ayabiza, ngaba awufuni ukufumana i-insured xa kwenzeka okuthile? Amachibi kunye nama-trampolines nawo akwandisa ingozi. Abanye abatshutshisi banegunya malunga nabo, ukuba ufumana umgaqo-nkqubo ongenayo umshwalense awuyi kuvuma ukuba ngaba bayazi ukuba unesitampu, umzekelo, ngoko uya kuba neengxaki kwibango.
3. Ukwenza ulungiso okanye ungenzi ukulungiswa . Naliphi na ixesha oya kulungiswa kwikhaya lakho kufuneka uxelele lona umshwalense wakho ukuqinisekisa ukuba i-inshorensi yakho yasekhaya iyakukufihla ngokufanelekileyo. Ngokuqhelekileyo inkampani yomshuwalense iya kukubuza imibuzo ethile ebalulekileyo malunga nomsebenzi kwaye uyithathe ingqalelo. Ukuba kulungiswa ngokuyisiseko, ngokuqhelekileyo ayikho ingxaki. Ukungabhengezi ukulungiswa kuya kuba yingxaki enkulu ukuba unabango kwaye bafumanisa ukuba ikhaya lilungiswa. I-inshurensi ayinakho ukuhlawula. Ukuba inkampani yakho yomshuwalense ikubuza imibuzo malunga nemihla yokulungiswa okanye ukucela ukuba ulungise , uthembeke ngeempendulo zakho.

1. Ukusetyenziswa kwekhaya: Izithuba zaseKhaya , Ukuqeshisa kwabanye, ukungahlali endlwini yakho ixesha elide, ukusetyenziswa kwezorhwebo kunye neKhaya Ukwabelana njenge-Airbnb . Nasiphi na imeko apho ikhaya lakho lingasetyenziswanga njengendawo yokuhlala yangasese wena kunye nosapho lwakho kudala umba nomgaqo-nkqubo we-inshurensi yasekhaya. Umgaqo-nkqubo we-inshurensi yasekhaya ulungiselelwe ukuqinisekisa ukuba indawo yokuhlala yakho eyona ndawo isetyenziselwa ukusetyenziswa kwakho. Naluphi na ukuphambukiswa kweso sinokuphulaphula isivumelwano se-inshorensi yakho ngokwemiqathango kunye neemeko. Kukho ukuvunyelwa , iimvume zezithuba, kunye nezinye izibonelelo ezinokuthi zongezwe kumgaqo-nkqubo ukuqinisekisa ukuba uhlala ukhuselekile ngokugcwele kwezi meko. Oku kungabonakali njengento enkulu yokuphuma kwidolophu ngeenyanga ezimbalwa kwaye ungaxeleli i-inshorensi yakho, kodwa kukho imibuzo yenkampani yomshuwalense kuya kufuneka ikwazi ukuba ude ude, kwaye kukho iinqununu kunye nemigaqo-inshorensi engayenza iintlobo ezithile zokulimala, njengamabango okulimala kwamanzi kunye nabanye abangabandakanywanga ukuba awuyi kuthatha iziqaphelo ezithile.

Ummeleli we-inshorensi ukhona ukunceda ufumane izicwangciso. Into efanelekileyo kukunyaniseka uze uxoxe ngeemeko zakho. Ngamanye amaxesha umgaqo-nkqubo ohlukeneyo uza kukhishwa, nangona uthetha inyaniso malunga nokusetyenziswa kunye nokusebenza kwekhaya lakho kuya kuqinisekisa ukuba i-inshorensi yakho ikufaka kwibango.

5 Iingxowa-mali zomshuwalense eziqhelekileyo Abantu bathi

Kukho izinto ezininzi ezibandakanyekayo kwixabiso lentengo yomshuwalense wemoto kwaye ukuvakalisa lonke ulwazi oluchanileyo kubalulekile ukufumana i-inshurensi elungileyo kunye nexabiso.

1. Ingabonakali umonakalo okhoyo ngaphambili kwizithuthi , ukungakwazi ukubika izimoto eziguquliwe okanye izixhobo eziphuculweyo.
2. Ixoki malunga nabaqhubi beemoto: Ngubani abaqhubi bekhaya, ngubani oqhuba imoto njengomqhubi oyintloko, ukubeka imoto phantsi kwegama lomntu omnye, xa ngokwenene umntu oqhubayo. Ezi ntlobo zengxaki ziyingozi kakhulu kwi-inshorensi, iimeko ezinyanisekileyo mazibhengezwe okanye ibango lingahlawulwa phantsi kweemeko ezithile kuba umgcini-mali unokuthi bangayi kwamkela umngcipheko okanye babhale isivumelwano.
3. Ukusetyenziswa kwesithuthi, kungabonakali umgama okwenene wokusebenza, ukufihla ukusetyenziswa kwezoshishino (ezifana nokuhanjiswa) okanye apho igaraji ligcinwa khona ebusuku (idilesi okanye idilesi yomgca). Zonke ezi zinto zichaphazela izinga le-inshorensi kwaye ulwazi kufuneka ligcinwe lichanekileyo ukuze inkontileka yakho ye-inshorensi ihlawule ngokufanelekileyo kwibango.
4. Ukuba abazange baxhaswe ngethuba elithile, babe ne-inshurensi yokuphela, okanye ngaba umgaqo - nkqubo unqanyulwe ukungahlawulwanga okanye ezinye izizathu.
5. Ukungathethi inyaniso ngamatekithi adlulileyo, amanqaku okuhlawulwa kwilayisensi yokuqhuba, i- DUI okanye izingozi. Abantu bavame ukwenza oku benqwenela ukuphepha i- inshurensi , kodwa lolu hlobo lwazi luya kubakho phezulu. I-insurers ingcaciso yokutshekisha ku-CLUE, ungcono ukunyaniseka uze uzame ukuthetha ngesantya esinqununu.

Kutheni Abantu Baqamba Amanga kwi-Inshorensi?

Nangona abantu bangathetha malunga naluphi na inani lezinto ngezizathu zabo, ngokuqinisekileyo izizathu zikhokelela ekuncedeni uhlobo lwezimali. Nazi izizathu ezintathu eziqhelekileyo umntu angaxoka okanye angaxeleli ngomshuwalense malunga nento nokuba kutheni ungafuni ukwenza oku:

• Ukuzama ukugcina imali kwiimali-mali ze-inshurensi . Ukuba unzima kakhulu ukugcina i-dollar ezimbalwa kwi-inshorensi yakho kukufanelekile ukuxoxela ngoku, cingca uxinzelelo lwezemali oluya kubakho xa ucinga ukuba unomshuwalense ngexabiso elikhulu (ngenxa yokuba uxoke), kwaye ke unayo ibango kunye lakho Ibango alihlawulwanga ngokupheleleyo okanye liphikisiwe ngokupheleleyo. Uza kuba yimeko embi kakhulu, kwaye usenokugqiba uhlawuliswe ngecala okanye ngokungahambi kakuhle. Unokufunda ngokubanzi malunga neentlobo zobuqhetseba-bhorensi kunye nemiphumo apha: bona "Ukukhwabanisa Kumaqhinga" ngokubhekiselele ku "Ukukhwabanisa Kwenene".
• Ukuzama ukufumana imali ethe xaxa kwisibonelelo sebango, abantu abaninzi banama-inshuwalense ye-inshurensi kwaye bazama ukufumana imali xa besenza ibango endaweni yokubika ngokusekelwe kwilahleko yangempela . Olu hlobo lokuziphatha luyingozi kuba lubeka engozini yokukhwabanisa i-inshorensi. Xa unesibango esisemthethweni, qiniseka uze unike ingxelo ngolwazi olusemandleni akho kwaye uza kufumana intlawulo yakho. Ukuzama ukufaka ibango lakho, okanye ukufuna izinto zobuxoki kunokukubeka engozini yokuphanda kwaye ekugqibeleni ukwenze ungenakulinganiswa kwixesha elizayo, kufuneka unikwe ibango lakho lilonke, kwaye unokukunika irekhodi lobugebengu kunye nomhlaba ongenawo ejele. Akukufanelekanga. Thatha oko ufunwa khona, uthembeke ngeentetho kwaye uphephe into enokuba yimeko embi kakhulu eya kuba nefuthe ebomini bakho bonke.
• Ukuzama ukufumana i-inshurensi xa bengenakufaneleka okanye besaba ukukhishwa . Kukho iimarike ezibeka ingozi ephezulu ezinokuqinisekisa abantu nangona bacinga ukuba abayi kufumana i-inshurensi. Kukho iindlela zokuvakalisa zonke iinjongo kwinkampani yomshuwalense kwaye uxoxisana nabo ukuze ufumane indlela yokufumana i-inshurensi. Ukuba unenkathazo yokufumana i-inshurensi, unokuqhagamshelana neofisi yomshuwalense we-state kwaye ucele iziphi izicwangciso anokuncoma. Umphumo wokuxoka ukufumana i-inshurensi inokukwenza ukuba i-inshorensi yakho ibe yinto engekho kwaye ayikho nto kwibango. ukuba awufuni ukuhamba ngaphandle kwe-inshurensi, kwaye uzimisele ukuthetha amanga ukuze uyifumane, ngaba kukho na ukuqonda ukuba emva kokuba yonke inshuwalense yakho ayivumelekanga?

Kutheni Ungafanele Uxoke Intshurensi. Ingaba Njani Isiphumo?

Ngaphandle kokubeka umngcipheko wokubanjelwa ibango lakho, ukungahlawulwanga kakuhle, okanye ukuba inqanaba le-inshurensi yakho landa emva kokuba inkampani yomshuwalense ifumanisa ngezinto ongazange uzivakalise, unokuphela ungenakulungeleka okanye ungaqiniseki.

Inkampani yomshuwalense ingaqwalasela ibango lakho kunye nolwazi olutsha kwaye unqume ukuhlawula ngokukhawuleza i-premium efanelekileyo ukuba babeya kuhlawulisa kwindawo yokuqala ngaphambi kokuba bahlawule ibango. Nangona oku kungcono kunokuba ibango liphikisiwe, usagqiba ukuhlawula. Emva kwebango , ukuba inkampani ye-inshorensi ivakalelwa kukuba ungathembekanga okanye uyingozi yokuziphatha, unokuthi unqunyulwe umgaqo-nkqubo wakho womshuwalense. Xa umgaqo-nkqubo usususwe ngumgcini-inshurensi, ngokuqhelekileyo kufuneka uvakalise oku kubakho bomshuwalense kwaye ukuba oku kurekhodi yakho kuya kukubiza.

Enye ingxaki echaphazela wonke umntu kukuba xa abantu bexoxela i-inshurensi kwaye inkampani yomshuwalense ayiqokeleli iiprayimari ezifanelekileyo emngciphekweni, izinga le-inshurensi likhuphukela wonke umntu. Abancinci beza ngeeprayimari ezisekelwe kumngcipheko , ngoko xa ulwazi lungekho oluchanileyo, iinkampani ze-inshorensi kufuneka zidlule kwiindleko zamabango akhokhelwa kumboleki.

Indlela yokufumana amaxabiso angcono kwi-inshurensi ngaphandle kokulala

• Unokumangaliswa ukuba uncedo njani ummeli we-inshorensi ukuba uya kubaxelela nje imeko yakho ngokunyanisekileyo. Ukuba awuyithandi uhlobo lwenkonzo oyifumanayo, okanye ukuba unomuva ongenamdla, kufuneka utshintshe ummeleli we-inshorensi ukufumana umntu onokuziva unomdla kunene ukukunceda. Ngamanye amaxesha unokwenza isigqibo sokuba ukhansele i-inshurensi yakho xa ufumana ixabiso elingcono kwenye indawo. Ukuba unemeko efuna ukukhutshwa okukhethekileyo, uthengise ngexabiso elona lingcono kakhulu ukubheja .
• Cinga ukuthatha iinqununu eziphezulu ukunciphisa iindleko zakho .
• Hlanganisa yonke imigaqo-nkqubo ye-inshorensi yakho kunye nomshurensi omnye. Unokwazi ukuxoxisana nenkampani yakho ye-inshorensi xa unikezela ngaphezu komgaqo omnye okanye imoto. Uya kuba namandla anxibelelwano kwaye ufumane imigaqo-nkqubo okanye imoto emininzi, kunye nokuthembeka kwenkohlakalo.