Ingozi yomshuwalense

Umngcipheko we-inshurensi yingozi, ngenxa yokuba umnikazi wepolisi ulahlekelwa okanye unyanzelekile into ethile (kuboniswe kwisivumelwano somshuwalense). Ukulahleka kungabonakaliswa kwiimilinganiselo ezinzima. Yaye ukuba le ngozi ingena kwidiza zeemeko zomshuwalense, ke inkampani (inshurensi) inyanzelekile ukubuyiselwa yonke into kuwe. Ngokusekelwe kulo, kuyacaca ukuba ingozi yomshuwalense ibalwa ngokusekelwe kwimeko yokuba kwenzeka.

Inkontileka ye-inshorensi ayikho imigaqo, nokuba ingozi yomshuwalense ayize ifike. Kodwa uyayiqonda njani ukuba kwenzeka ntoni? Imiqondiso ebeka umngcipheko we-inshorensi yinto enokwenzeka kunye nethuba lokuvela kwayo.

Ukulungelelanisa, ukuhlelwa kwezinto ezithile kuye kwaphuhliswa, ukuvavanya oko, uya kuqonda, nokuba kunokwenzeka ukuba ukhangele oko kwenzekayo njengengozi:

• Kucingelwa ukuba akukho nxaxheba, kuba ngumshwalense okanye kwintengiso ye-inshurensi, uyazi ngokucacileyo ukuqala komngcipheko kunye nemali yayo.

• Ukumisela i- premium yomshuwalense, kufuneka ubhekisele kwiimanani ezizalisekisiweyo kunye nokuthelekisa iziganeko ezihambelanayo zesicwangciso onomdla kuzo.

• Akukho mfuneko ukuba umngcipheko we-inshorensi ube ngumkhohlisi, Isiqhamo sakho sengcamango.

• Iziganeko ezinobungakanani obukhulu, njengenhlekelele zemvelo, aziqwalaselwe nhlobo.

• Ubungakanani bokuhlolwa komonakalo.

Uhlobo lweengozi ze-inshorensi lunokuthi lube luninzi kakhulu:

- ngumthombo wengozi:

• "Ngokukhawuleza" ingozi yomshuwalense, i. Ezi zidibene naliphi na into: iinyikima okanye izikhukula (kubandakanywa nobungozi obubangelwa ngumntu, ezifana nokuqhuma, imililo, njl);

• Ngokuphathelele ukuphulwa komthetho (ukuphanga, ukweba, njl.);

• Inkampani yomshuwalense wexesha elide kunye nomshuwalense wempesheni

- ngokwemithwalo yemfanelo:

• Umntu ngamnye, owuphawu lweentlobo ezithile zepropati, ezizodwa (i-antiques);

• I-Universal, ebonisa ubungakanani bomgangatho wemfanelo yomshuwalense.

- ngokutsho kwesiganeko:

• I vumelekile;

• Iingxaki;

• Inkathazo.

Kukho inamba enkulu yeendlela zokuwahlukanisa, kodwa inxalenye enkulu kukho iintlobo ezithile zeengozi zomshuwalense:

• Xanduva lwabantu. Lo mngcipheko uyenzeka xa usebenza, umzekelo, kwimveliso enobungozi. IiNkampani zikwazi ngokupheleleyo ukuqinisekisela uxanduva lwabo ngabasebenzi phambi kwabasebenzi okanye amaqabane okanye abanye abantu;

• Ezi zihlanganiswe ngokuthe ngqo kunye nezothutho. Ziquka ukuqinisekisa i-cargo okanye isakhiwo esithintekayo;

• Izingozi ezihambelana nendalo;

• Ingozi ekhethekileyo. Ukwabiwa kwizinto ezizodwa ezingenazo iimpawu kwihlabathi. Ngokuqhelekileyo kusebenza kwizinto zokugqoka, ubugcisa, izixhobo zomculo eziqhelekileyo njalo njalo;

• Ingozi jikelele yobuchwepheshe. Iziganeko ezixakeka ngokukhawuleza okanye izinto ezingasebenzi phantsi kwindlela yokusebenza kwezixhobo zobuchwepheshe, ezibangelwa yimpilo yazo, okanye ngokuphila kwabantu;

• Utyalo-mali. Bakhathazeka ngokuyinxalenye yecandelo labemi bezoqoqosho, elihlala lidlala kwi-stock exchange. Le mngcipheko we-inshorensi ihambelana nokungaphumeleli kokufumana inzuzo ehleliweyo okanye ekulindelekileyo, kwaye kwezinye iimeko, ngokulahlekelwa ngokupheleleyo kwezimali zotyalo-mali kwiiprojekthi. Eli qela leengozi lihlukaniswe ngamaqela:

1. I ngxowa.

2. U shishino.

3. zezeMali.

4.Ubugcisa.

Ekugqibeleni, ndingathanda ukuthetha ukuba iingozi ze-inshorensi ezichazwe ngasentla zinjani uhlobo lweqonga apho kufuneka khona ukuma xa ugqiba imeko yakho. Zonke izingozi ngandlela-thile zidibeneyo, ngoko kufuneka ukhangele ngokucacileyo naluphi na ulwalathiso lwakho olubhekiselele kulo. Kule nto kuxhomekeke ekubeni kukho ukuhlawula isixa esiqinisekisiwe kwaye, ngokuqinisekileyo, ubukhulu bayo obukhulu.