Iindleko inshorensi - Indleko yale insurance premium ...

Ingcamango yeendleko inshorensi isetyenziswa ukulawula ubudlelwane esemthethweni phakathi kwe nkampani-inshorensi kunye inshorensi, umntu okanye iqumrhu.

Ukumisela iindleko ze-inshorensi

Ixabiso-inshorensi - elinexabiso kugqiba ubungakanani iintlawulo imali kunye neendleko zizonke-nkqubo. Eli lixabiso mhlali wepropati leyo esetyenziselwa inshorensi yayo. Ukuze kumiselwe cala lomzobo, ngokwenza uhlolo-inshorensi. Iinjongo yovavanyo kungaba:

• izinto ngamnye kwempahla.
• Imoto.
• Izindlu.
• Land.

Isiphumo yovavanyo iboniswe kule mvumelwano inshorensi ngesivumelwano mutual kwaye umngeni ngamaqela, ngaphandle kwiimeko intshayelelo ngabom kule nkampani somaqhingashe - client umboneleli wesevisi. Ekuchongeni izibakala ukhetho ixabiso benefits ngokunxulumene inshorensi ukuze kutshutshiswa.

iindleko kunye Insurance isixa-inshorensi iintlawulo ayikwazi ukuba ngaphezulu kwe ixabiso elililo lwe nto-inshorensi.

Iindlela zokuhlola iindleko ze-inshorensi

Ukuze ubone indleko ngqo kwi-inshorensi babhenela ezi ndlela zilandelayo uvavanyo:

• Oku kumiselwa ixabiso elililo yenjongosenzi ngexesha bekufunwa. Ukuze benze oku, i-inshorensi linyanzelekile ukuba lingenise ubungqina bentlawulo: iitsheki, iirisithi, isivumelwano sentengiso, uluhlu garaji ixabiso impahla evela kwamanye amazwe, declaration amasiko.
• Ukumisela yexabiso leempahla angathi ikhathalogu yomvelisi kwakunye reference iincwadi ngamaxesha athile.
• Xa kuhlolwa impahla ihlalutya ixabiso lemarike avareji kwiipropati efanayo kulo mmandla.
• Ukuvavanya ixabiso into enokwenzeka ukubandakanyeka i ingcali ezimeleyo.

Isiphelo yesivumelwano inshorensi

Emva kokuba izigqibo ixabiso yenjongosenzi weinshorensi isivumelwano, nto leyo iya kubandakanya:

• Ixabiso inshorensi lwepropati.
• Ixabiso le-nkqubo ye-inshorensi.
• Imali kunye nenkqubo yokuhlawulwa iminikelo, isayizi yazo.
• Ixesha kwekhontrakthi.
• Ixabiso leentlawulo xa umcimbi-inshorensi.

Imvumelwano-inshorensi uya kungena ukusebenza ngomhla emva kwentlawulo insurance premium, xa intlawulo yenziwe ngemali. Xa isixhobo sentlawulo non-cash uya kungena ukusebenza emva kokuba imali obhaliso kwi-akhawunti ye nkampani-inshorensi.

ipolisi ye-inshorensi

Iindleko zeinshorensi kuyahlukana nedlela into inshorensi, ngoku amazinga-inshorensi, inkqubo enzulu lomngcipheko ekhethiweyo, ixesha elo nkqubo, amathuba elivela isiganeko inshorensi.

On iinkqubo inshorensi yesinyanzelo yommiselo isenzo ngokwamkela imithetho ekhethekile yase. Umzekelo, urhulumente ubeka Iintlawulo inshorensi umhlala-phantsi ngesinyanzelo, iinkqubo CTP.

Kuba inkampani yeinshorensi ngokuzithandela, i-inshorensi uvumelekile ukuba izakhe nokulawula irhafu-inshorensi, kwakunye ubungakanani-inshorensi.

Kufuneka ingqalelo iindleko zonyaka insurance, okt iindleko zizonke kwemigaqo-nkqubo ye-inshorensi ngokuzithandela isithuba seenyanga ezili-12. Isiphelo of izivumelwano zexesha elifutshane kuza kubiza kakhulu, kunye kwixesha leenyanga ezili-12 liya kuba nako ukusindisa.

inshorensi annuity

Kukho Kusekho inshorensi pension. Ixabiso inshorensi konyaka ithathwa ukuba ukuqokelelwa zonke iintlawulo-mali yomhlala-phantsi, nto leyo kunyaka jikelele ziya kwenza umqeshi ukuba umsebenzi.

Xa isivumelwano kubalulekile ukuba anikele ingqalelo imida emiselwe kwisicatshulwa:

• Isixa iintlawulo yexesha inshorensi.
• Uluhlu amatyala, ngaphandle asiyi kwenziwa phantsi ngawo intlawulo.
• Ukunyhashwa yi-inshorensi, nto leyo enokukhokelela ukukhanyela inkonzo kunye nokupheliswa yesivumelwano.

Ixabiso inshorensi emotweni

izivumelwano-inshorensi auto ezixhaphakileyo. Ixabiso-inshorensi imoto - ixabiso, nto leyo ebalwa ngokungqinelana zikhombisi zilandelayo:

• Yenza nonyaka esenziwe ngawo emotweni.
• Ixabiso lokuqala.
• Ixabiso kukubaleka.
• imeko Technical.

Umnini yesithuthi ukupheliswa kwesivumelwano ukubonelela ngeenkonzo liyakunika sheet idatha yokusebenza kumatshini, isiqinisekiso okudluliselwa uhlolo, imigaqo-nkqubo lamathuba zangaphambili. Ukuhlola urhulumente kufuneka kuvavanywa yinkampani lwengcali inshorensi. Cars ezindala ngaphezu kweminyaka elishumi inshorensi phantsi.

Yintoni kuchaphazela amaxabiso inshorensi imoto?

Ekumiseleni iindleko-inshorensi ngeemoto isixa coverage esetyenziswa yi umyinge isiseko kunye imiba ezongezelelweyo zithathelwa ingqalelo:

• Ubudala umqhubi kunye namava yakhe yokuqhuba.
• Amanqaku ngamnye Regional zommandla ngalinye lizwe kwaye kuxhomekeke rhoqo ingozi ngaphakathi indawo. Higher kwiindawo zenqila, ephantsi kwiindawo ezisemaphandleni, kunye ixabiso eliphezulu ukuyila umgaqo liya kukudla malini ngaphezulu.
• lo zonyaka factor.
• Ireyithi Ibhonasi ibalwa xa umnini imoto kuthatha i-inshorensi kwinkampani enye ixesha elide. E rhoqo kwinkampani enye ukuya kwenye iya kubalwa malus lomlingani kunye neendleko-nkqubo uya kuvuka.
• Factor iingozi ngenxa umqhubi: Ukuba kwixesha yangaphambili yeinshorensi, umqhubi ukubetha imeko kaxakeka nge isiphoso sabo, ukubhaliswa uya kuhlawula ngaphezulu.
• motor amandla ombane ibalwa yi inani enjini, ezibhaliswe xwebhu yobhaliso yesithuthi.
• Ukucutha into kuyahlukana nedlela abantu abaninzi ukuqhuba le isithuthi.

Xa ufaka nkqubo CASCO Ukongezelela kuthathelwa ingqalelo, nokuba ukuthuthwa Isiqinisekiso evenkileni umthengisi okanye ixesha iwaranti iphelelwe lixesha, ixabiso ulungiso abaza kuzisebenzisa. Kufuneka kukhunjulwe ukuba iinkampani ezininzi ukuthatha ingqalelo xa usenza igobhogobho apho inkqubo alarm anti-nobusela ezifakwe kwinqwelo-mafutha, kwaye ixabiso nkonzo ziya kwahluka ngokuxhomekeke iqondo kukuthembeka kwezixhobo anti-ubusela complex.

Ixabiso le-insurance premium

Isixa ukuba umthengi uhlawula kwi-inshorensi ukuba ahlawule iinkonzo inshorensi, ebizwa ipremiyamu. Ngokutsho ixabiso inshorensi umnikelo - ixabiso, ebalwayo isekelwe kwiindleko-nkqubo, kwaye Kuhlawulwa isixa semali kunye ngenyanga ngethuba elisusela kwi-inshorensi. Unako ukuhlawula insurance premium ngemali kunye nokudlulisela bank.

Ukuba intlawulo yenyanga ye-insurance premium ibalwa kubungakanani ireyithi lweerhafu yayo:

• Izinga Net emiselwe okuba isiganeko inshorensi.
• rate Gross luquka factor ukulungiswa, kwakunye umthwalo, okt iindleko yeinshorensi ezenziweyo ekunikezeleni ngeenkonzo, iindleko ezingalindelekanga na enxulumene lokusekwa-mali inshorensi.

izinga Net Ukwakheka le fund-inshorensi apho isiganeko inshorensi iya kuba intlawulo insured.

intlawulo ye-inshorensi

Intlawulo ixabiso inshorensi - sisixa semali esihlawulwa umntu benefits xa umcimbi-inshorensi. Ngokuqhelekileyo, oko ipesenti ethile yexabiso inshorensi lwepropati. Umfanekiso kuxhomekeke iindleko zale nkqubo, coverage inkqubo kunye amanani kunye neengozi inshorensi, kumiselwe kwisivumelwano. Ubungakanani intlawulo inshorensi iyohluka, kuxhomekeke kubungakanani umonakalo kwipropati, kuthathelwa ingqalelo uphelelo ukuguga. Inkqubo kunye nemali kweentlawulo ecaciswe kwimvumelwano. Ukulungiselela injongo intlawulo abaKhuselwe yiInshorensi linyanzelekile ukuba lingenise la maxwebhu apho isiganeko inshorensi.

I insurer unyanzelekile ukwamkela amaxwebhu ukuba uthathelwe ingqalelo kwaye lakuphela kweentsuku ezingama-30 zekhalenda ukwenza isigqibo sokuqeshwa intlawulo.

Firm-inshorensi unelungelo lokwala intlawulo kwezi meko zilandelayo:

• Ukuba isiganeko inshorensi kwenzeka ngenxa yezenzo ezingekho mthethweni yomntu inshorensi.
• Le polisi akasinikanga amaxwebhu ayimfuneko ecaleni inshorensi ngexesha imida emiselweyo kwisivumelwano.
• Le polisi ngabom sabangela umonakalo kwipropati ukuze afumane intlawulo.
• Iintlawulo ze-inshorensi ezingenziwanga, ukuba ipropati inshorensi ufanele nokuhlutha izinto okanye kudliwa ngabasemagunyeni abanobuchule.

Ukuba umonakalo ngenxa kufuna kususwa ngoko nangoko,-inshorensi unelungelo lokuba isicelo pre-paid phambi kokuba ixesha ngokomthetho. -Pre intlawulo kwinkampani ye-inshorensi wangena ikhadi ye client ngamnye. Ukuba emva kokuba ixesha koviwo kubonakala ukuba umonakalo abawuthobeli imbuyekezo, i-inshorensi unyanzelekile ukuba abuyele imali ehlawulwa ngaphambili.