Ntoni na nokuba kutheni inshorensi nxamnye nevyleta?

Amaxesha amaninzi ukwamkela breaks ukuphumla nasiphi na isizathu. Oku kubangelwa imposiso ukuzilungisa maxwebhu, isifo okanye ezinye izinto. Ngenxa yoko, abantu abayi njengokhetho ayithandayo, ngokunjalo ukulahlekelwa izimali. Kodwa kukho ithuba mali imbuyekezo. inshorensi Nevyleta kuya kunceda. Funda okungakumbi ngalo Kuya kuxoxwa kweli nqaku.

ulwazi jikelele

Ngokungafaniyo inshorensi yezempilo, i-inshorensi nxamnye nevyleta ekhutshwe ngokwesicelo. Amaxesha amaninzi yenkonzo ibandakanyiwe ixabiso ukhenketho, kodwa amaxesha amaninzi abantu kufuneka ukujongana ukuthenga-nkqubo sakho. Xa kuqala iimeko ezinzima, isivumelwano ivumela phantse yonke, nge-80-90%, ukuba agubungele iindleko.

Kufuneka abanakuxhomekeka uncedo olulodwa ukuhamba arhente, ekubeni ukwala ukuvumela ukuba ahlawule izohlwayo kumaqabane ezahlukeneyo: abaququzeleli be-Tour, abanini ehotele, abathuthi. Ngoko ke, kuyimfuneko ukuba bathenge amatikiti kwangaphambili ukuba bacinge ngezinto ezinokwenzeka, kwakunye inshorensi neziphumo zazo.

Kutheni ufuna?

-Inshorensi nevyleta ngomnye ukhetho eqhelekileyo lula kwabo abafuni ukuba tlhela nabenzakeleyo xa besiya kwelinye ilizwe. Le nkonzo kuyimfuneko xa kuthe ukuba akukho siqinisekiso sokuba visa ukube enikiweyo.

Insurance reimburses iindleko ngokupheleleyo. Iziqulatho kunga wonke, kubandakanywa, ukongeza kweminye insurances. Kodwa kufuneka wazi phambi oku equka le nkonzo. Ngaba ndidinga i-inshorensi nxamnye nevyleta? Ukuba bavale iindleko eziliqela ubungozi, kufuneka amalungiselelo le nkonzo.

amatyala inshorensi

Kukho izizathu ezininzi zokuba kutheni inshorensi efunekayo nxamnye nevyleta. amatyala inshorensi zimi ngolu hlobo lulandelayo:

• ukufa okanye ukugula intsapho;
• ubukho Izimo lwezonyango;
• esibhedlela izihlobo;
• ukwala ukukhupha visa;
• umnxeba ongxamisekileyo kwinkundla;
• kwinzuzo emkhosini;
• nomonakalo kwipropati, ekuthinteleni lokuhamba ukuya kwelinye ilizwe.

Kuba yonke enye into, loo nto abhalwe kweli xwebhu, imbuyekezo akayi kuhlawulwa. Khumbula ukuba inshorensi kufuneka ikhutshwe zingadlulanga iintsuku ezi-3 ukusuka kumhla lokuthenga ithikithi zingedlulanga iiveki ezingama-2 phambi kokuba emke. Kuphela kuya kuba amandla omthetho.

Iimpawu ze-inshorensi nevyleta

Ngoku yenziwe inshorensi nevyleta kwelinye ilizwe. Xa ufaka nkonzo, loo mntu inshorensi ihlawulelwa:

• ithikithi;
• amagumbi kubhukishelwa, iihotele;
• umzuzu.

Kukho iinketho eziliqela bokufumana inshorensi recognizance yakhe. Kwimeko yokuqala iquka ukufumaneka medical inshorensi yokuhamba kwelinye ilizwe, kodwa recognizance yakhe hayi. Kulo meko, awunakutshintsha okanye avuselele inkonzo. Kubalulekile ukuba uqhagamshelane yinkampani yanika lo mgaqo-nkqubo. Kwakhona kuza kongeza inshorensi nxamnye nevyleta. iintlobo ezininzi zinika ithuba lokuquka iimpawu ezongezelelweyo, kodwa imali engaphezulu.

Kwi sihlandlo sesibini ngayo Kuthathwa ukuba akukho mgaqo-inshorensi. Kutyelela kwelinye ilizwe, kuyimfuneko ukuba athenge mgaqo-nkqubo, kungenjalo kuba nako ukuya khona. Isizathu soku umthetho omtsha i-Russian Federation ukuze uphakamise ezi zibophelelo karhulumente ukuze abemi Russia, ngubani na kwelinye ilizwe. Ngoko ke, nge ukuthengwa yalo mgaqo-nkqubo kuyimfuneko yokubonelela i-inshorensi nxamnye nevyleta. Oku kuya kukhusela iholide yakho. Kodwa ke khumbula, ukuba uneemeko zalo, ngoko ke kuyimfuneko ukuba bafunde la maxwebhu ngenyameko phambi kokuba obeka kwinkampani nganye.

Ziziphi iingozi kungekho zincwadi?

Kodwa asingabo bonke iingozi-inshorensi nxamnye nevyleta. Amatyala kuhambo ahlukeneyo, yaye nganye kuzo awafanele imbuyekezo. Ezi ziquka:

• isigulo okanye ukulimala komntu benefits kunye nezicaka zakhe, ukuba unyango kuyimfuneko kuphela unyango kwezigulane;
• ukukhulelwa kunye ezinxulumene ziphumo;
• ukuzama ukuzibulala okanye lelinye ityala efanayo;
• abulawe ngendlela eyiyo amaxwebhu;
• ukulibaziseka ii-arhente zokunyanzeliswa komthetho;
• iintlekele zemvelo, iimfazwe;
• ukulimala etywaleni ukunxila neziyobisi.

Ngokwesiqhelo, imingcipheko apho akukho mbuyekezo ihlawulelwa, ngokungqinelana nomgaqo-nkqubo. Olu xwebhu lubandakanya ixesha lokuba semthethweni, amalungelo kunye neemfanelo zamaqela, nezinye bokuqonda ebalulekileyo.

iindleko

ixabiso Service uzimisele kuxhomekeke ixabiso itikiti elo. Xa inkampani isiganeko inshorensi iya kuthwala iindleko ezichithwa uhambo. Kufuneka kuphela ukuba balandele imigaqo, ukuze iintlawulo azikhange saliwe.

Ngokuqhelekileyo inshorensi nevyleta ixabisa malunga ne-10% yexabiso itikiti elo. Umzekelo, i-inshorensi 30 amawaka. Euro liya kuxabisa malunga ne-1870 engange, ukuba uhambo itshitshisiwe ngenxa ukwaliwa yokungena okanye enye imo yonxunguphalo. Xa Iinkampani ezininzi, iindleko zeenkonzo kungaba ibalwe kusetyenziswa sokubala online.

ukhenketho ukucinywa okanye ukwaliwa Visa: ntoni?

Xa isiganeko inshorensi kufuneka:

• emini zazise ngencwadi ebhaliweyo izizathu zokuba useluhambeni;
• Apha kuqhotyoshelwe amaxwebhu yesicelo, nokunika ubungqina isiganeko;
• ukulungiselela amaxwebhu aseleyo - amatikiti, i-inshorensi, yokundwendwela.

Uhambo sisiganeko uxanduva, kodwa kukho amaxesha ukuba yaphukile. Emva koko, ukongeza iingxaki zobuqu, yaye silindele iilahleko eziphathekayo. moya inshorensi ukusuka nevyleta ukubuyekeza iindleko.

Iimpawu ze-inshorensi recognizance yakhe

Le nkampani inika inshorensi recognizance yakhe. Abantu abaninzi bacinga: kutheni ahlawule ngakumbi xa imeko enzima ngeke kwenzeke? Kodwa ke kokufika zeengxaki abantu abaqhele bazisole ukuba asingabo abo ndibhatalwe ezingaphezulu 6-10% yexabiso itikiti elo. Ngenxa yokuba ke babeya bakhuselwe kwiingxaki ezininzi zobomi.

nkqubo Wokuthenga

Phambi kokwenza iinkonzo, khangela nkampani. Kuthatha ixesha elincinane, kodwa uya kuba ukhetho self-ekhethiweyo. Ukuze wenze oku, tyelela iwebhusayithi kwiinkampani, funda amagama. Yonke kufuneka ibhalwe ngokucacileyo.

Uyacetyiswa ukuba ubone iifoto nevidiyo kwi inkampani, kwakunye ukufunda ncomo. Oku kuya kwenza ukhetho olufanelekileyo. Khumbula ukuba inkampani ethembekileyo abayi ukukha uyikhanyele kubathengi bayo.

iingenelo yenkonzo

iye ivele inshorensi olunjalo ngenxa nemisebenzi arhente zokuhamba. Bona abalamleli phakathi client kunye kuyo. Ngokutyikitya isivumelwano kunye nomsebenzisi kukhenketho kwaye enze inkampani izibalo uhlawulela iinkonzo zamaqabane zasemzini enikiweyo ipemethi. Kwakhona yenza iintlawulo ezinxulumene ukuhamba ngumthengi kunye nokufumana imvume.

Eentlawulo ziquka:

• ithikithi;
• processing kweemvume;
• iinkonzo;
• ukudlulisa;
• indawo yokuhlala ngexesha uhambo;
• ukhenketho;
• ngeenkonzo ezongezelelweyo.

Ukuba umxhasi uyala uhambo, inkampani yayirhoxisa kuphela umyalelo, kodwa uhlawula imbuyekezo nezibophelelo kufezeke. Ngoko ke, ngokuqhelekileyo ke akakabuyi. Ukuze siphephe iziganeko ezinjalo, esebenzisa i-inshorensi, oqinisekisa ukubuyiselwa phantsi endlini. Iinkampani ezininzi sisilela 85-90% yemali ihlawulwe.

Iintshukumo kwimeko ngokusilela kweentlawulo

Xa kunjalo inshorensi le nkampani kufuneka ahlawule iindleko umthengi. Kuphela kule kufuneka unikezele ubungqina obubhaliweyo nemeko enzima. Kodwa ngamanye amaxesha arhente uyala ukuhlawula le mali. Ukuba iklayenti Qinisekisa ukuba nangobulungisa, yena uya isicelo enkundleni ukuze afumane imali yabo.

Ngokuqhelekileyo xa kuqala yenkampani isiganeko benefits ihlawulwe ngokupheleleyo imali. Kungenjalo, xa leenkqubo ukunyhashwa nokuba mvume irhoxiswe, yaye ngenxa yoko akunakwenzeka ukuqhubeka umsebenzi kwinkampani. Ngoko ke, ngaphambi kokuba ubhaliso inshorensi kufuneka ukhethe inkampani ethembekileyo eya ukuhlangabezana neemfanelo zabo.