Yintoni eyenza umntu aqiniseke ngokwenene? Ngaba kukho amanqaku anokukunceda ukuba uqonde indlela yokufumana amaxabiso e-inshurensi aphantsi okanye amaxabiso amnandi kwiiprimiyamu zakho ze-inshorensi?
Ezinye iinkampani zisebenzisa i-inshurensi-mboleko, kodwa akukho namanqaku athile asetyenziswa ngumntu wonke.
Sihlola zonke iinkalo eziya kwindlela inkampani yomshuwalense inquma ngayo ukungaqiniseki kwakho, kunye nokubonelela ukuba yiziphi iindidi zezinto ezinokukunceda ukuba uhlawule ixabiso le-inshurensi yakho ngokuqonda i-inshorensi ngokufaka iingcebiso ezimbalwa.
Inqaku le-inshurensi kunye nendlela elisebenza ngayo
Iminyaka yenkampani ye-inshorensi ibe yinkwenkwezi ezayo ngeendlela zokwenza ukuba kwenzeka ukuba ingozi okanye "ukulahleka" kuya kwenzeka, okanye yintoni umngcipheko kwimeko. Ngokusekelwe kulo vavanyo oluqwalasela izinto ezininzi ezinzima, iinkampani ze-inshorensi zichonga iiprayimari.
Ezinye iinkampani zingasebenzisa ukulinganiswa kozinzo okanye ukulinganisa okukodwa, umzekelo, odibanisa iinkalo zokulinganiswa kweentengo zemali, i-zip okanye i-post code code (ejolise kwindawo kwindawo eyaziwa ngayo yamangalo) okanye ingozi esekelwe kwiziseko zesithili (ezichaphazela amabango) .
Ezi zinto ziyinkimbinkimbi kakhulu, ukwenzela ukuba i-premium point, ukuqonda indlela i-premium yomshuwalense esebenza ngayo , inika ingqiqo ecacileyo kwi-insurability okanye ukuba inkampani yomshuwalense iza kukuphawula njengomxhasi okanye umngcipheko .
Ziziphi izinto kwi-inshorensi?
Uninzi lwabantu bacinga ngamava abo alahlekileyo, okanye inani lamabango xa becinga ngezinga le-inshurensi.
Iingxelo ze-inshurensi azikho kuphela izinto ezenzekayo xa inkampani yomshuwalense ihlola ukungaqiniseki kwakho kunye nexabiso elifanelekileyo lokukuqinisekisa. Nazi izinto ezininzi ezinokuchaphazela iindleko ze-inshorensi:
- Imbali yakho yomshuwalense. Kude kube nini uqinisekisiwe, ukuba uhlawule iifomim zakho ngokuqhelekileyo, ukuba ukhe wacelwa ukuba ungabikho ntlawulo yenkampani yinshuwalense.
- Imbali yakho yemali kunye nokuziphatha. Nangona i-credit score isetyenziswanga nazo zonke iinkampani ze-inshorensi okanye kuzo zonke iinkampani, iinkampani ezininzi ze-inshorensi zingacela imvume yakho ukujonga i-credit yakho. Ukubhengezwa kwebhanki okanye i-credit card engafanelekanga inokuchaphazela uhlobo luni lomgaqo ofanelekileyo. Funda kabanzi malunga ne-inshorensi-based based scoring kwinqanaba elingezantsi.
- Ingxelo yakho yokuqhuba, kunye nembali yombango. Zingaphi iitikiti okanye ukuphambuka kwezinto ozenzayo kwirekhodi yakho yokuqhuba umbane kunokuchaphazela ukungaqiniseki kwakho, kunye neendleko zeminshuwalense yakho yemoto . Ezinye iinkampani zomshuwalense zinezikhokelo ezibhalwe phantsi ezingayi kubavumela ukuba bakuqiniseke xa unamaninzi amaninzi okanye amathikithi , kula maxesha, unokufuneka uhambe kumntu okhuseleyo okanye uhlawule iindleko eziphezulu.
- Usebenzisa njani imoto yakho. Ukuba wenza i-mileage ephakamileyo okanye usebenzisa imoto yakho kweshishini, kuya kudlala kwinqanaba le-inshurensi yemoto. Umzekelo, ukuba unomqhubi owandayo kwimoto enye, ingozi yokuba neyengozi iyanda ngenxa yokuba imoto isendleleni eninzi kunokuba umntu omnye uhamba naye kwaye uvela emsebenzini nsuku zonke. I-mileage ephakamileyo ingahlawula amazinga aphezulu ngenxa yokusetyenziswa kongeza okanye i-mileage nangona umqhubi oyintloko uqhuba ngokuhamba kwaye uvela emsebenzini uhamba ngokufutshane imihla ngemihla, i-mileage yonyaka iya kunceda inkampani yomshuwalense ukuba iyaqonda ukuba imoto ihamba kangakanani kwindlela. Ingakumbi imoto isendleleni, mhlawumbi ingozi iya kwenzeka.
- Ulwazi lwakho lomntu. Zonke iinkampani zomshuwalense zineenkampani ezijoliswe kuzo. Ngokomzekelo, ukuba inkampani izama ukubhenela abantu abadala, ngoko nje ukuba ngumntu ophezulu kunokukwenza ukuba "uphakamise phezulu" kwinkampani yomshuwalense ozama ukukhenkcela abaxhasi abadala. Omnye umzekelo iinkampani ze-inshorensi ezizama ukutsala abathweswe iziqu ze-yuunivesithi, ootitshala okanye abantu abahlala kwiindawo ezithile.
Umzuzwana wakho iphrofayili yakho yinto ewela kulokho inkampani yomshuwalense ifuna ukuqinisekisa, ukungaqiniseki kunye ne "score" okanye isibheno kwenkampani yomshuwalense yanda kwaye ixabiso lakho liya kukhuphisana.
Ngaba zonke iiNkampani zeNkampani ze-inshurensi zisebenzisa iCandelo eliQinisekisiweyo elifanayo okanye iNqaku leNkxaso-mboleko yeNkxaso-mboleko?
Hayi, akukho "inqaku le-inshuwalense" elokuba zonke iinkampani ze-inshorensi zisebenzisa.
Kukho izikhokelo kunye nemiba eqhelekileyo yenkalo nganye yenkampani ye-inshorensi iya kusebenzisa ngokuxhomekeke kwisicwangciso sabo seshishini.
Inkampani nganye ye-inshorensi inama- actuaries kunye nabangaphantsi kwee-underwriters abanquma amaxabiso . "Amanqaku" akho aya kujongwa ngokwahlukileyo kunye nalowo, ngokusekelwe kwimiqathango yokubhala phantsi.
Enye into eyakunceda ukuba ube nexabiso elihle kwiinkampani ezininzi ze-inshorensi, kungakhathaliseki ukuba isicwangciso sabo seshishini okanye abaxhasi bajoliswe kuyo, unomvuzo omkhulu wesikhorensi. Ucwaningo luye lwabonisa ukuba ukuba neenqaku eliphezulu zekhredithi zibonakaliso zokuzinza kwezezimali, kwaye ukuzinza kwemali kuboniswe ukuba kukho isibonakaliso esihle sokuthi umntu uvumelekile ukuba enze ibango.
Izikolo ze-Intshurensi-Based Based
Ngokutsho kweNkcazo ye-inshurensi ye-inshurensi, ukucinga ukuba amanqaku akho ekhredithi ayenzi lutho kunye ne-inshorensi yakho.
Ungayibonakalisa njani Umvuzo wakho we-inshurensi?
Akukho namanqaku athile aya kusebenza kuzo zonke iinkampani ze-inshorensi kuba bonke basebenzisa izilinganiso ezahlukeneyo.
Ukusebenzisa izakhiwo ezahlukeneyo zendlela enye yenkampani ye-inshurensi inokukhuphisana kwindawo yokuthengisa. Ikhampani nganye yomshuwalense ibonisa indawo ecinga ukuba iyakwenza kakuhle, kwaye ilandele loo hlobo lomthengi. Uyakwazi ukuqhelanisa nemali yakho yekhredithi.
I-Insurance Credit-Score ichazwe njani?
I-National Association of Commissioners Insurance (NAIC) ichaza ukuba kukho iinkampani ezimbalwa ezahlukileyo ezibonelela ngeeNkampani zeNkxaso-mali-mboleko kwiinkampani zomshuwalense. Ngokomzekelo, ngokwe-NAIC, oku kukuthi i-FICO inikezela ngabatshorensi xa bebuzwa umyinge we-inshorensi yesikhorensi:
- Umvuzo weMbali
- Amatyala aPhambili
- Imbali Yesikweletu Ubude
- Izicelo ezintsha zeNkolo
- Umxube wokuTyala (uhlobo lwemali-mboleko, amakhadi enkoleko, i-credit evolving, njl)
Lezo zinto zingatshintsha ngokukhawuleza, ngoko ke ukuba uhlaselwa ngamanani e-inshurensi aphakamileyo ngomnyaka omnye, kwaye kwenzeka ukuba unyaka udibanise onke amakhadi akho, kwaye kufuneka ufumane imoto entsha, ngoko wenze isicelo se-credit, Iinyanga ezili-6 ukuya kwinyanga kamva i-inshorensi yemali yesikhorensi isenokutshintsha ngokupheleleyo xa izinto zihlala phantsi.
I-TIP: Ukuba kukho nayiphi na imilinganiselo yamatyala akho utshintsha, i-premium yomshuwalense esebenzisa i-credit based based scoring ingaguquka njengoko imeko ihlala phantsi okanye izinza.
Zonke ezi zinto zidibanisa. Ukuba zonke iinkampani ze-inshorensi zinendlela enye yokujonga izinto eziza kwenza izinto zibe lula kubaxumi ... Kwiphepha le-flip lingase liphephe ukhuphiswano oluphilileyo kuba akukho nto inokuyiphumelela.
Isixhobo se-Intanethi: Yintoni "I-Score Not Insabilityability"
Enye inkampani, ikhulile ngesixhobo esilula esilula kwi-intanethi esinikeza "i- Insureability Score " kodwa le nto ayiyona inkalo yokulinganisela ngokwayo esetyenziswe iinkampani zomshuwalense. Akunjalo ne-inshorensi yesikhorensi okanye i-inshorensi-credit score. I- Insurability Score yisisityebi esikhuliswe yi -Zebra ukunceda abathengi baqonde iphrofayili yabo yomshuwalense jikelele kwisigaba esiphambili ngokubuza imibuzo nokubonelela "amanqaku". Ngokutsho kweZebra , oku kunika abasebenzisi ingqiqo ekhethekileyo kwiimpawu kunye neemeko ezichaphazela ingozi yabo yomshuwalense we-auto.
Iindlela ezahlukeneyo Iinkampani ze-inshorensi ezikuPhakamisa
Siye ngaphaya kweendlela ezahlukeneyo zeenkampani zomshuwalense zingenza "amanqaku" ukuba:
- ukugqiba ukungaqiniseki kwakho
- unike izaphulelo
- ukusebenzisa amanqaku emboleko kunye nembali yentlawulo ye-inshorensi
- unikele ngexabiso le-inshurensi engcono kunye namaxabiso aphantsi
Eyona nto ibalulekileyo ekuqaliseni indlela okhuselekile ngayo ukuqonda ukuba yiyiphi imigaqo ebalulekileyo kwiinkampani zomshuwalense.
Emva kokuba uqonde ukuba baya kukulinganisela njani, unokuzama ukuphinda uphinde uxoxise amaxabiso xa izinto ziyakuthandayo kwaye uphucule izinto ezikulimazayo okanye ufumane enye inkampani yomshuwalense ekulungele ukunikezela ngamanani angcono.