Yintoni na imbuyekezo inshorensi

Inshorensi - into iminyaka engaphezu kweshumi apho endle kobudlelwane zemali. Nethuba lokufumana imbuyekezo xa kuthe ngemeko echazwe kule mvumelwano inshorensi, unokuba inkxaso kakhulu ebambekayo. Kwilizwe lethu, kukho iindidi ezimbini eziphambili ze-inshorensi - mandatory kwaye kungokuzithandela. Nomnye wabo awaqhubana ngamnye kuthi, phezu ilungelo lokusebenzisa omnye, abaninzi becinga. Ulwazi yabemi kwi nezo lwesigama yonke inkqubo eAfika kakhulu yaye maxa wambi elala neli ivuke neliya.

Makhe sihlolisise omnye iingqiqo engundoqo kulungiselelo lweenkonzo-inshorensi, yintoni na imbuyekezo inshorensi. Nto leyo ethetha ukuba le mbono kunokuba ichaziwe?

-Inshorensi yokhuselo eli xabiso kuhlawulwa kubaxumi zenkampani xa kuthe ingozi okanye imeko phantsi kwesivumelwano inshorensi. Kulo mzekelo efanayo-inshorensi zezithuthi liability kokuba kuqwalaselwe ukuba imali, apho aya mababuyekezwe umonakalo ezivela ingozi, kwaye kukho imbuyekezo inshorensi.

Ngokwendalo, isixa semali ekufuneka ihlawulwe, anokuhlenga-hlengiswa ngokusekelwe kwinani iimeko:

• Isixa hlawuleka ayikwazi ukudlula indleko umonakalo, ke leyo eneneni isicelo kwipropati inshorensi, ngaphandle kokuba isivumelwano libonelela lokuhlawula imali ethile ngaphandle kokujonga iimeko.
• Kwakhona Imbuyekezo iya kuncitshiswa ukuba imali yento inshorensi ngezantsi yayo iindleko ze-inshorensi (ngaphandle kokuba kulungiselelwe yi-inshorensi).
• Kwimeko-inshorensi into enye eziliqela -inshorensi, i-inshorensi yembuyekezo wafumana ukuba zonke inshorensi, ngaba ngaphezu kwixabiso ngqo kwipropati.
• Isixa imali kungakhathaliseki ehlawulwa yezinye izivumelwano kweentlawulo (izibonelelo zentlalo okanye imbuyekezo yomonakalo kwimpilo).

Eneneni namhlanje, kukho iimeko xa polisi lifumana ukwala ukuhlawula inshorensi indemnity. Eso sigqibo isenokuba ngenxa kwezi meko zilandelayo:

• Isaziso kade isibakala le siganeko inshorensi.
• iseti engaphelelanga of amaxwebhu njengobungqina.
• Izilungiso-inshorensi.
• -Non-inshorensi yetyala.

Esi sesona sizathu eqhelekileyo ukuba iinkampani ze-inshorensi ukubeka phambili njenge mpikiswano ngenxa yokwala ukuba ahlawule. Ngokuphathelele kwi-inshorensi auto, uluhlu izizathu zokwala okanye inxenye kukho imbuyekezo umonakalo likhulu.

Ukuba umxhamli urhano malunga nokuvumeleka ngokusemthethweni izenzo ezinjalo ngakwicala kwinkampani ye-inshorensi, kusenokuba babhenele indlela ezifana kwakhona yembuyekezo inshorensi enkundleni. Ukuze eqinisekisa inkxaso zomthetho kunye noncedo kakhulu abathembekileyo baya isibheno neenkonzo zomthetho. ukufikelela Independent kwiinkundla ukuze aphumelele njalo, ngenxa yokuba iinkampani ze-inshorensi i abasebenzi olude kakhulu amagqwetha ngubani na ukuba nibe nentandabuzo semthethweni amabango. Ingcaphephe ezizimeleyo ziya kukunceda uqonde nezo kunjalo, ukuhlola amathuba ukusonjululwa yayo ngokunceda ngumthengi, ngokunjalo ukunika imiyalelo eneenkcukacha koko amaxwebhu kufuneka iqokelelwe lokungeniswa isicelo enkundleni.