Umdla Insurable-inshorensi

Ngaso nasiphi na isivumelwano eyimfuneko iziphumo zokugqibela yesivumelwano ukwanelisa bonke abachaphazelekayo. umdla Insurable kanye ukuze kuphunyezwe ukulalanisa efunekayo. UMntu oKhuselwe ngeInshorensi uyaqonda nje ukuba xa kuthe imeko kaxakeka kufuneka yeinshorensi ukuba ahlawule imbuyekezo yemali ekuvunyelwene. Njani na i umdla insurable-inshorensi kwaye uthi umthetho?

Le ingcaciso yokuqala umdla insurable

Le mbono yokuqala ngamabona umdla inshorensi zaye zaphuhliswa eNgilani. Ngenxa yoko, uMgwebi Lawrence umisela ukuba kukho umdla insurable, ukuba kukho iimeko enxulumene kwisifundo umdla, nto leyo utshintshe into okanye iipropati yayo. Insurance yenzelwe ukunciphisa umonakalo obangelwe iimeko, zize zinike owenzakeleyo umntu imbuyekezo. Ngoko ke, ukuba kukho naziphi na iimeko ezinokuchaphazela iimpawu into inshorensi, yaye ngoko akukho umdla insurable.

Imfundiso classical komthetho inshorensi

Nje amazwi imfundiso lwamandulo komthetho inshorensi, yaye kokwabo Economist ezaziwayo-kakuhle Ehrenberg. Ubiza i insurable umdla ulwalamano amaqhina oqhagamshelwano ngenxa apho umntu ezidityanisiweyo sinokuphulukana ilahleko eziphathekayo. Kukho ezinye iingcaciso, kodwa ngokubanzi, zibonisa ingcamango efanayo: akukho sivumelwano inshorensi, ukuba akukho umdla kwisivumelwano esinjalo. Sigqiba ukuba nomdla iinkampani ze-inshorensi ukuba kwityala inshorensi ngokunxulumene zezibonelelo zeinshorensi musa ukuza. Kuba uMntu oKhuselwe ngeInshorensi, le nzala ayikho ngokukhawuleza kangaka, yaye imi ngolu hlobo lulandelayo:

• ukuba umcimbi inshorensi kwenzeka, kuya kuhlawulwa imbuyekezo;
• ukuba isiganeko benefits oku akwenzeki, oko kuya kuqhubeka ukuba oku okanye okulungileyo.

Meaning of interest insurable

Umthetho-inshorensi kwandiswa le nkcazelo ilandelayo umdla insurable:

• Yena sicacisa umgaqo wokhuseleko ngokwasezimalini iimeko ezingalindelekanga.
• Imisa zonke izinto ezibalulekileyo ze-liability insurance. Phakathi kwabo - ngokwakhe into inshorensi, ukwakhiwa kwisifundo, ukusebenza kunye noxanduva zamaqela.

Yi kungentla, kufanele kongezwe ukuba nomdla insurable kugqiba inani eliphezulu yembuyekezo apho umnini umgaqo-ukubala.

Zisebenza njani?

Ukukhusela izinto inshorensi ukuze kubuyekezelwe imingcipheko eziphathekayo nazo into i-inshorensi, emva koko iimpawu zayo ukutshintsha. Umzekelo, i-inshorensi imoto inkampani yeinshorensi CASCO unyanzelekile ukuba abuyekeze ilahleko ekungenwe sisithuthi ngenxa likaxakeka, intlekele, ingozi yemoto, ubusela okanye intshabalalo. Nantsi i umdla insurable, enyanisweni, imoto: ekhuselekileyo yayo and sound nomdla zombini nxaxheba kwintengiselwano - kwaye umnini imoto kunye kwinkampani ye-inshorensi. Kubo wadlala iimeko. Ukuba iimeko awutshintshi iimpawu emotweni ukuya kumhla ekupheleni kwale nkqubo, emacaleni aso omabini nga ukuphefumla lula. Kodwa ukuba imoto ebiweyo okanye satshatyalaliswa, ngoko ke inshorensi iza kukhusela iimfuno umnini-moto, ukubuyisela imali ngenxa ilahleko isithuthi.

Insurer kwaye itshivela

Ngelishwa, ayisoloko umdla yabanini-inshorensi uyavuma eqongeni lokusayina nkqubo. Kwiimeko ezininzi i-inshorensi ubuqhophololo ngenkani-inshorensi ukuba afune ezinye iindlela eqhuba imisebenzi yayo. Umzekelo, kwihlazo kutshanje kunye neenkampani ze-inshorensi malunga ukwala ukuthengisa imigaqo-inshorensi CTP kwabangelwa izenzo avtoyuristov, owayesebenza kunye nabakhohlisi. Ukulungiselela fake ingozi, ukuba ezimpontshelwa imali okuninzi ziinkundla evela iinkampani ze-inshorensi ukuba ayeka umsebenzi kwiindawo ezithile eRashiya. Kwathatha uthotho lwamanyathelo-level federal ukunciphisa ilahleko ekungenwe ziinkampani ze-inshorensi. Ngoko ke akumangalisi ukuba inshorensi zama kangangoko ukuba ukukhusela iimfuno zabo ukulungiselela le njongo, zonke iindlela kuvumelekile.

inshorensi tricks

Ukhankanye ukuba inkampani ye-inshorensi (IC) ukuba intlawulo zomthetho, umnini-nkqubo idla sijongene neenkampani ezininzi amaqhinga-inshorensi ngokusemthethweni. Ityala ezaziwa ayilunganga (makayixhome ngokuzolileyo) ukuziphatha lwabameli UK baba:

• Nikela ukuba asayine intlawulo imvume ngaphandle iimviwo. Akuba ebuyile, ebamkele 1/10 imali eceliweyo, ixhoba liye enkundleni, apho kuboniswa kunye kwemvume yakhe. Ekuqwalaseleni mzekelo, inkundla ngokufanelekileyo lutshitshe.
• Nikela ukuba ahlole umonakalo weprophathi eyonaka kwi ziingcali UK. Njengomgaqo, "bamazwe" iingcali banikela phantsi kakhulu isixa lomonakalo. Ngokusayina isatifiketi uviwo, ixhoba uyavuma ukuba ngokuzenzekelayo sum kuphela eyabelwe kwinkampani ye-inshorensi. INkundla kuya kufuneka siyeke ulwaneliseko yebango, njengoko kuvunyelwene ngaphambili kunye ixhoba phambi umonakalo wallet. Nokumisa kwakhe ukuba imvume Utyikityo yakhe.
• Ixhoba kule ngozi "ngempazamo" wathabatha isaziso lokuqala ingozi ngaphandle kokwenza ikopi. Le yokuqala ilahlekile, kwaye ixhoba akakwazi ukufumana imbuyekezo ngenxa yokungabikho kolu xwebhu.
• Ukukhutshwa ingxelo phezu kwale ngozi, ixhoba elinde sentlawulo kwiinyanga ezimbalwa. Ngeli xesha, walungisa i imoto. Intlawulo sakhatywa, kuba ngabameli UK baye bafumanisa ibhaxa isicelo imbuyekezo kude iyintsomi. Iifoto ukusuka kwendawo adventure kwendlela, iimoto ezonakeleyo isaziso ngengozi kwi umnini imoto hayi ohlalayo.
• Phantsi igobhogobho,-inshorensi ke ngeke sigqibe ukulahleka kweevili, ukuba ezinye iinxalenye isithuthi zingatsalelwa yonakele. Ukuba umxhasi akuthethi libhengeze ngokubhalwe emapoliseni kwaye inkampani yeinshorensi ukuba imoto yakhe ubunzima umonakalo, ukuba ahlawule kuba Hull, wokhanyelwa.

Indlela ukukhusela iimfuno zabo

Le yinxalenye encinane kuphela oneninzi amaqhinga ngazo yokujamelana amaxhoba xa ebhekisela kwinkampani ye-inshorensi. Ukuba uqinisekile ukuba uza kukwazi ukulwela amalungelo abo, kwaye uzimisele ukuchitha ixesha nemali - ngesibindi ukuya edabini. Abanye ke kucetyiswa ngamandla ukuba ufune uncedo yabameli kunye nokumelwa nomdla kwi ophetheyo inshorensi ukuba iingcali.

Abammeli kunye neenkampani ze-inshorensi

Abamele iimfuno kwinkampani ye-inshorensi kudala abe ngonenceba ekhethekileyo zamashishini. Njengoko umthetho, ixhoba ingadlali nayiphi indima - abadlali eziphambili ke abameli ixhoba (avtoyuristy) kunye arhente yeinshorensi. Emele iimfuno iinkampani ze-inshorensi - zobungcali-ofisi ezininzi zomthetho. Omabini amaqela ngokucokisekileyo ukuqonda imithetho-inshorensi kwaye bayakwazi ukulwa ngokulinganayo enkundleni.

Abameli bayakwazi ukwenza amanyathelo enkqubo ukuba ukuhlela uviwo elizimeleyo nokukhusela umdla-inshorensi lomnini moto enkundleni. Iindleko zeenkonzo zobungcali uyabhatalwa ngokupheleleyo yimali otsuzhennye kwinkampani ye-inshorensi. Ukuba amagqwetha wathabatha wokuziphatha kunjalo, kufuneka kukhupha amandla ligqwetha. Iimfuno inkampani yeinshorensi ukuzikhusela, kakuhle, ixhoba kufuneka siqiniseke ukuba ngoncedo igqwetha, yena kufuneka ukuba afumane imali etyalwa kuye.