Inkcazo ebhalwe phantsi yomshuwalense
Abasemagunyeni base-inshurensi basebenza kwiinkampani zomshuwalense
Inxaxheba yombutho we-inshurensi indima kukukhetha ngubani kunye nenkampani yomshuwalense eya kuqinisekisa ngokusekelwe kulolu vavanyo lwengozi. Ukubhala phantsi kukuba "emva kwendawo" isebenza kwinkampani yomshuwalense.
Uthini Umgcini We-Inshorensi?
- Ukuphonononga ulwazi oluthile ukuqinisekisa ukuba yintoni umngcipheko
- Uchonga uhlobo luni lwe-policy cover okanye yintoni eyingozi kwinkampani yomshuwalense iyavuma ukuqinisekisa kwaye phantsi kweyiphi imeko
- Inokuthi ikhuphe okanye iguqule ukukhutshwa ngokubhengezwa
- Ubheka isisombululo esisebenzayo esinokunciphisa okanye sokuphelisa umngcipheko wee-inshorensi zamangomso
- Uxoxisana ne-arhente yakho okanye umthengisi ukuze afune iindlela zokukuqinisekisa xa umba ungacacanga
Abangaphantsi kootitshala baqeqeshwe abaqeqeshi bomshuwalense abaqonda ingozi kunye nendlela yokuzikhusela. Ba nolwazi olukhethekileyo ekuhlolweni kweengozi kwaye basebenzise olu lwazi ukuqinisekisa ukuba ngaba baya kuqinisekisa into okanye umntu, kwaye yintoni indleko kwi-insured.
I-inshorensi engumgcini we-inshurensi ngumqeshi oqeshwe ngumngcipheko we-inshurensi, lowo uthatha isigqibo sokuba athathe uxanduva lwemali kwi-inshurensi ukuba ukholelwa kwingozi. Uphonononga yonke ingcaciso yakho i-arhente yakho kwaye inqume ukuba inkampani ikulungele ukuthatha ibhola.
Ubhaliso Lwe-inshurensi kwiMigaqo elula
Ininshuwalense yinto yokudlala.
Xa uyaziqinisekisa okanye uzimisele ukuhamba ngaphandle kwe-inshurensi, usho ngokuqinisekileyo ukuba akukho nto iya kwenzeka ukuba awuyi kucela inkampani yomshuwalense ukuba ibuyise imali yakho kwaye uza kuthatha ingozi.
Xa ucela inkampani yenkampani yomshuwalense ukuba ithathe ingozi endaweni yoko, inkampani yomshuwalense kufuneka ibe neendlela zokugqiba ubuninzi bebhola eliyithathayo kwaye kwenzeka ukuba into ehamba ngayo. Ukuba izigodo ziphezulu kakhulu, inkampani ayiyi kuthatha ingozi. Ukufika ekupheliseni kweengozi ezithathayo kuyinkqubo ephezulu kakhulu. Kuqondwa idatha kunye neenkcukacha ezenza abasebenzisi be-underwriters baqikelele amathuba okufumana ingozi enkulu kwaye bahlawule iipalamum ngokufanelekileyo.
Umntu onobumba obunjani kunokuba ngummeli okanye umthengisi?
Ukuba i-inshorensi engumgcini-mali ngumngcakazo, ngoko i-agent okanye umthengisi ngumntu othengisa ingozi. Imigaqo esemiselweyo yokukhawuleza iboniswe ngokucacileyo kwincwadi yokubhala phantsi ebonelelwe kwii-agent. Le ncwadana iquka imeko kunye nemithetho efanelekileyo. Xa umxhasi edibana nale migaqo okanye imigaqo-siseko, i-arhente okanye umthengisi unakho ukubeka umngcipheko. Oku kwaziwa ngokuba yi-arhente okanye igunya lokubopha umthengisi.
Umngcipheko ofuna ukuwuqinisekisa, njengemoto yakho, ikhaya lakho okanye ubomi bakho. Ukubeka umngcipheko ngomshuwalense kuthetha ukukhupha umgaqo-nkqubo.
I-inshorensi ayinalo igunya lokuthatha izigqibo ngaphaya kwemithetho ephambili enikeziweyo kwincwadi yokubhala phantsi, kodwa i-arhente isenokuncipha ukukuqinisekisa ngokusekelwe kolwazi lwakhe lwenkonzo yenkampani yomshuwalense. Akakwazi ukuguqula imithetho okanye ukwenza amalungiselelo akhethekileyo okukunikezela nge-inshurensi egameni lenkampani ye-inshorensi ngaphandle kwemvume yomgcini we-inshorensi.
Ama-inshurensi nama-Underwriters: Ubani omela wena?
Ummeli we-inshurensi okanye umthengisi umela wena kunye nenkampani yomshuwalense.
- Ummeli we-inshurensi ukumela wena ngokubonisa imeko yakho kwinkampani kwaye uthethathethwano ukuze ufumane i-inshurensi. Uyakhuthaza egameni lakho. Xa unemibuzo, unoxanduva lokuphendula.
- Amagcisa akhombisa iinkampani zomshuwalense ngokuchazela iinkcazo kuwe kwaye ngokuqinisekisa ukuba imithetho yenkampani yomshuwalense iyahlonishwa xa ikuthengisa umgaqo-nkqubo.
I-Underwriter Works Works kwiNkampani Yomshuwalense
- Umgcini-phantsi uvikela inkampani ngokunyanzelisa imithetho yokubhala phantsi nokuhlola ingozi esekelwe kule ngqiqo
- Umgcini-phantsi naye unako ukugqiba isigqibo ngasentla naphaya kwesikhokelo esisiseko ukuba inkampani iya kuphendula njani kwimeko yengozi
- Umgcini-phantsi ungakhonkotha imithetho kwaye enze izinto ngaphandle okanye utshintshe iimeko ukwenzela ukuba imeko ibe yingozi kakhulu. Abancinci banokugqiba isigqibo sokuba ngaba banomngcipheko ophakamileyo kwaye bawususe umgaqo-nkqubo okanye banqabe ukubonelela nge-inshurensi.
Xa Umgcini-phantsi we-Inshorensi ahlaziya umgaqo-nkqubo we-Inshorensi?
I-inshurensi yabangabanamhlanje baya kuhlola imigaqo-nkqubo kunye nengcaciso engozini xa kukho imeko ibonakala ingaqhelekanga, ngoko akuthethi ukuba umgcini-phantsi angayi kubheka kwakhona ityala lakho ngenxa nje yokuba sele usenkontileka kwipolisi. Umgcini-phantsi angabandakanyeka xa kukho utshintsho kwiimeko ze-inshorensi okanye utshintsho lwempahla engozini. Umgcini-phantsi uzakuqwalasela imeko ukuba aqinisekise ukuba inkampani ikulungele ukuqhubeka nomgaqo-nkqubo kwimimiselo ekhoyo okanye ukuba iya kubonisa imigaqo emitsha. Imigaqo emitsha yomshuwalense ingabandakanya ukukhushulwa okanye ukukhawulelana okukhawulezileyo okanye ukunyuswa kwamaxabiso.
Ndiyakwazi Ukuthetha Ngomgcini We-Underwriter?
Abancinci abakuthethayo noluntu jikelele. Nangona izigqibo zabo ziba nefuthe ngqo kwi- inshorensi yakho , umsebenzi we-underwriter uhlola kuphela umngcipheko kwaye ubeke imimiselo yokwamkelwa.
Ukuba umgcini-phantsi angakhululekile ngengozi, banokukhanyela okanye bawususe ipolisi yomshuwalense . Akuyena umsebenzi we-underwriter ukuba athethe no-insured, kodwa kuphela kubameli okanye abadayisi abanomthwalo wokudlulisa ulwazi kwiiklayenti zabo.
Ukuba umgcini-phantsi ubenze isigqibo ofuna ukuxoxa ngaso, i-arhente yakho okanye umthengisi nguye kuphela ovunyelwe ukuthetha nawe malunga nalo.
Ukuba awunelisekanga kwisigqibo sokubhala phantsi kunye nomthengisi wakho we-inshurensi okanye umthengisi awukwazi ukulungisa ingxaki kuwe, unokuqhagamshelana neofisi yomshuwalense wakho welizwe , okanye ucele i-arhente yakho ukuba inkampani ye-inshurensi inomntu ombudsman onokukwazi bathethe ukubandakanyeka egameni lakho. Uninzi lweenkampani ze-inshorensi zinamalungu ombudsmen okanye ulwalamano loluntwini okanye amasebe olwalamano lwabantu
Ngaba isigqibo soMgcini-phantsi singaguquleka?
Abasemagunyeni bomshuwalense baya kuqwalaselwa ngokutsha ngengozi apho okanye ukuba ulwazi olutsha luyafumaneka.
Indlela Yokufumana Oko Ufuna Kuvela Ngumbhalisi?
I-arhente yakho okanye umthengisi kufuneka abonise ubungqina obuqinileyo kunye nolwazi oluya kumkholisa umgcini-phantsi ongumngcipheko olungileyo.
Ukuchaza imeko zezobomi ngolwazi oluqinileyo kuya kufumana iziphumo ezilungileyo. Ungalokothi uloyike ukunika ulwazi oluninzi xa lwakhiwa ityala elinamandla. Abancinci balapho ukwenza isigwebo, ngoko ke ukubonelela ngolwazi olufanelekileyo lunokunceda.
Imizekelo ye-Injection Underwriting
Indlela elula yokuyiqonda xa umgcini-phantsi angakunceda, okanye umzekelo wendlela abancinci abangenza ngayo izigqibo zokutshintsha izigqibo zeenkampani zomshuwalense malunga nomgaqo-nkqubo okanye i-inshurensi yakho ukujonga imizekelo.
Imizekelo ye-Inshorensi ebhaliweyo kwiimeko ze-inshorensi
- U-Elizabeth noYohane bathenga ikhaya elitsha baza bagqiba ukuthengisa yabo endala. Imarike yendawo yokuhlala yayinzima ngelo xesha kwaye abazange bathengise ikhaya labo lokuqala ngokukhawuleza njengoko babenethemba. Baye baphela ukuhamba ngaphambi kokuba bathengise. Bambiza igosa labo le-inshorensi ukuba bazise ukuba indlu yakudala yayingenanto kwaye igosa labo libacebisa ukuba baya kufuneka bazalise i-questionnaire yezithuba kwaye banikele iinkcukacha ezongezelelweyo. Umgcini-phantsi uzakuqwalasela umngcipheko kwaye anqume ukuba ngaba uya kuvumela imvume yezithuba ukuba igcine i-insured home.
- Ikhaya elitsha likaElizabethe noJohane lalifuna ukulungiswa okuninzi. Inkampani ye-inshorensi yayingavumi ukuba yamkele ikhaya elingazange lihlaziye i-wiring yamandla kagesi, kodwa uJohn no-Elizabeth babekade bebaxumi ngeminyaka embalwa kwaye babengakaze benze nantoni na. Baye baqinisekisa imoto yabo kunye nenkampani efanayo. I-arhente yabo yanquma ukuthumela ityala labo ekubhaliseni phantsi. UYohane no-Elizabethe bathembisa ukulungisa i-wiring yamandla kwisithuba seentsuku ezingama-30. Isebe lokubhala phantsi lihlolisise iphrofayili kaElizabheli noYohane kwaye banquma ukuba bakhululekile ngokuthatha ingozi. Umgcini-phantsi wabeluleka i-arhente ukuba abayi kulukhansela umgaqo-nkqubo we-inshorensi yasekhaya ngenxa yokungabi nako ukulungiswa , kodwa kunokuba ukwandise i-deductible kwi-$ 5,000 okwethutyana kwaye unike uYohane no-Elizabeth ngeentsuku ezingama-30 ukuze benze umsebenzi. Umgaqo-nkqubo ungabuyela kwisidumbu esivamile emva kokuba iimeko zidibeneyo ngenxa yokuba umngcipheko wembane wombane wawuya kugqitywa.
- UMariya wenze iitrasi ezintathu kwiiminyaka emihlanu, kodwa ngaphandle koko, unerekhodi yokuqhuba ngokugqibeleleyo. Inkampani yomshuwalense ifuna ukuqhubeka iyimqinisekisa kodwa kufuneka yenze into yokufaka ingozi kwakhona. Ihlawulwe i-$ 1,400 kwiiglasi, kodwa uMary uhlawula i-$ 300 ngonyaka ngeglasi kunye nokufumana imali eyi-100. Umgcini-phantsi ubona iifayile kwaye ugqiba ukubonelela ngeemeko ezintsha kuMary xa ehlaziywa. Ikhampani iyavuma ukunikezela ngokukhawuleza kodwa iya kwandisa i-$ 500. Ngaphandle koko, bazinikela ukuvuselela umgaqo-nkqubo ngokukhawulelana ngeglasi. Le ndlela yombhalisi wokunciphisa umngcipheko ngelixa eqhubeka enika uMariya ezinye iimbasa ezifunayo, njengemfanelo kunye nokudibana.
- UJane waya kummeli wakhe we-inshurensi ukuze athole umgaqo-nkqubo weminshuwalense yemoto. Xa watshela i-ejenti ukuba wayeqhube ngaphandle kwelayisenisi kunye ne-inshurensi iminyaka emihlanu kwaye wahlawuliswa ngokuqhuba kakubi kathathu, i-arhente yathi inkonzo engabhalwanga phantsi ayiyi kumqinisekisa. Unomngcipheko omkhulu.
- UMarko unamabango amathathu okulimala kwamanzi kwiminyaka emithandathu edlulileyo. Bonke bevela kumthombo ofanayo kuba uMarko wenqaba ukutshintsha nantoni ekhaya lakhe ukukhusela umngcipheko wokungahlali kwakhona. Umgcini-phantsi unqabile ukuqhubeka emqinisekisa ukuba akukho nto ishintshileyo ukuba ingozi ikhuselekileyo. Nangona abanye abanobungozi obuphezulu be-inshurensi bangathatha uMarko, nokuba banokubuza ukuba umonakalo wokuqala ulungiswe okanye ukuba amanyathelo okuthintela athathwe. Basenokuvuma ukuba baqinisekise ukuba ikhaya likaMarko lililo lomlilo kuphela, ngaphandle kokulimala kwamanzi.
- UJohn uyazibandakanya kangangokuthi ubiza umninimzi we-inshenti yomqeshi wakhe aze abuze ukongeza umkhweli wezinto zokugcoba kwipolisi yakhe yokwenza intsimbi edibeneyo. Unomgaqo-mpahla wama-20,000 wemali ukwenzela ukuba i-arhente iyicele ukuba ufuna kangakanani ukufaka ingqalelo. Ucela ukuba aqinisekise i-ring ye $ 45,000. Unobungqina bexabiso layo. I-arhente ibhekisela kwimeko ekubhaliseni phantsi kwaye umgcini-phantsi unqabile ukongeza umgibeli xa ehlola ifayile. Akunangqiqo ukuba yonke impahla kaJohn ixabisa ama-20,000 kuphela kodwa wachitha i-$ 45,000 kwindandatho. Xa intetho igosa kuYohn, bayavuma ukuba ixabiso lezinto ezikuyo ekhaya liphuma. Unomlindo obiza i-$ 10,000 kunye neprogram yakhe yemidlalo yaseshashalazini ixabisa isiqingatha sezinto aqinisekisayo. UJohn akazange ahlaziye i-inshurensi yakhe iminyaka emininzi kwaye ngoku unomsebenzi ohlawula phezulu. Uphuculwe kakhulu. Igosa likaJohane liyaqonda ukuba uYohn ufanelekela uhlobo oluthile lomgaqo-nkqubo onomlinganiselo ophezulu. Xa i-arhente ibiza umnobhala phantsi ukuba ibhekise umngcipheko, imeko ibonakala ingqiqo ngeli xesha kwaye umgcini-mibhalo uyavuma ukufaka i-ring $ 45,000. Umgcini-phantsi ukhululekile ngomngcipheko emva kokuba enalo lonke ulwazi.
Ukwenza utshintsho lunokutshintshwa nokuba okanye yiNkampani yeNkampani Yomshuwalense Iya Kukuqinisekisa
Ukubhalwa phantsi kunokuba yinkqubo ngeendawo ezininzi eziguqukayo. Ukuba awuqinisekanga ukuba kutheni inkokhelo okanye ukukhutshwa kwemali kubanjwe, cela i-arhente yakho isizathu esithile ukuze ukwazi ukulungisa imeko kwaye uqhubeke phambili.