Inshorensi yokuzikhethela

Weinshorensi uhlobo olulodwa ubudlelwane phakathi kwe-inshorensi kunye zeinshorensi, ngokusekelwe kwi contract ukukhusela umdla zombini kubantu abazimeleyo okanye amaziko nemibutho ngexesha sokuqala kweziganeko ezithile. Xa oku kwenziwe, ukukhusela izinto eziphathekayo. Imvumelwano inshorensi ngokuyimfuneko uxwebhu esiqinisekisa sentengiso inshorensi, yaye yenziwe ngohlobo nkqubo.

Neyodwa ye-inshorensi kuxhomekeke kwinto yokuba wenziwe yi zeinshorensi usoloko ngaphantsi kakhulu isixa-inshorensi (imali leyo ezihloliweyo izinto impahla nokuba insurer ukuhlawula phezu kukuvela amatyala inshorensi ethile emiselweyo kwiimvumelwano inshorensi). Ngoko ke, umtsalane kwimarike kweemveliso inshorensi inikeza kanye nolwalamano olunjalo.

Inshorensi yokwahlukanisa yayo. Ngokuhambelana kunye uhlobo ukubandakanyeka neentlobano inshorensi ahluka:

- inshorensi enyanzelekileyo, lwenziwe ngokungqinelana nomthetho;

- inshorensi ngokuzithandela.

inshorensi ngokuzithandela kuthetha ngokuzithandela ekuphelisweni yesivumelwano se-inshorensi. imithetho-inshorensi iimveliso inshorensi enjalo saphuhliswa yi-inshorensi. iimeko ezithile lungiselelo uzimisele ngamnye ngokuhambelana kweminqweno nganye inshorensi ngabanye.

inshorensi Voluntary uyakwazi ukunika ukhuseleko izinto eziphathekayo zeeProgram kwiinkalo ezahlukahlukeneyo zobomi. Makhe sihlolisise ezinye zazo.

inshorensi ngokuzithandela motor liability iqela lesithathu. Olu hlobo inshorensi lwenziwa kunye inshorensi esisinyanzelo - MTPL yaye nayiphi na imeko endaweni kuyo. Imfuneko i-inshorensi ngokuzithandela enjalo ngenxa yokuba i-CTP ngokuqhelekileyo akawuvingca ilahleko kanye xa kuza umcimbi inshorensi. MTPL liability liqingqiweyo intsimbi ithe 120 000 kuphela, nangenxa amaxhoba - 160 amawaka engange. Ngokuzithandela inshorensi (DSAGO) motor ubutyala yenzelwe ukuze bandise umda zobutyala, kufutshane kangangoko imali iintlawulo iindleko ezizizo, njengoko ukwandisa avtograzhdanki kunokuba ukuya ku-3 mln. Engange. Le yinzuzo xa kuthelekiswa CTP kunyuswa into yokuba insurance premium kwi DSAGO kakhulu asezantsi.

Voluntary inshorensi yengozi zangathi ziziikopi zezo ukukhusela wena nabo ubathandayo evela izimanga ekhathazayo, enye njengokugula, ukukhubazeka, ukwenzakala nokufa. Umba HIV akusiso neendleko eziphezulu ze-nkqubo (contract inshorensi), nkqu full package of iingozi. polisi ngamnye ngamnye ukhetha ngokwakhe umngcipheko ukuba, ngokwembono yakhe, abaluleke kakhulu. Phantsi kwale nkqubo oko kunokwenzeka yaye kuyimfuneko ukuba inshorensi abantwana, ngenxa yokuba basengozini kakhulu kwiminyaka omangalisayo kwiimeko ezahlukeneyo kakhulu ngenxa umsebenzi yayo ephezulu ukwazi. inshorensi Voluntary ingozi kuzakuvumela ukuba ukuzimela ngokwezimali nokuba isiganeko inshorensi kwenzeka, kuba inkampani yeinshorensi unyanzelekile ukuba ahlawule zonke iindleko zonyango eziyimfuneko kwisimo sangaphambili, ukuba isiganeko yi isiganeko benefits, nto leyo ibonelelwa olu hlobo lokhuselo inshorensi.

inshorensi Voluntary ingaba abantu nje kuphela kodwa amaqumrhu asemthethweni kuya kuqinisekisa ukhuseleko ootitshala bakho. Kodwa kubalulekile ukuphawula ukuba i-inshorensi ngokuzithandela kungakhathaliseki ukuba ngubani owenza yeinshorensi, ngokuqinisekileyo wakhetha umntu othile: amalungu osapho okanye abaqeshwa bombutho.