I-inshurensi yokulungiswa kunye noxanduva lwaseburhulumenteni: Iimpawu zemveliso yeinshurensi, umngcipheko weinshurensi kunye neendleko zomgaqo-nkqubo.
Sithetha nge-inshurensi yokulungiswa kunye noxanduva lwaseburhulumenteni, amachaphaza eemveliso zeinshurensi, umngcipheko weinshurensi kunye neendleko zomgaqo-nkqubo.
Ukulungiswa kubaluleke kakhulu kwaye ixesha elide. Ukuqala, sinethemba lokuba siza kwaneliseka sisiphumo kwaye ukuba le nkqubo ilandelayo iya kufuneka ihlale injalo kwaye kamsinya. Nangona kunjalo, ngamanye amaxesha okulindelweyo kokulindeleka kwethu akunakugwetyelwa: Ngamanye amaxesha sibandezeleka ngenxa yabamelwane abalibalelweyo, kwabanye, ngenxa yolungiso olungajongwayo, kodwa uninzi lwezinto ezingazi ukuzikhusela njani kunye nokulungiswa kwakho. Ke, luluphi uhlobo lwesicwangciso sobuqili sokukhusela izindlu zethu eziphindaphindiweyo zinokunikezelwa? Impendulo ilula: yeya kuye.
I-inshurensi (umntu okukhupha umgaqo-nkqubo kunye negalelo), ukuqukumbela ikhontrakthi yeinshurensi, kwimeko yomonakalo kwipropathi yayo, efumana i-inshurensi (inkampani yeinshurensi esagqitywa kuyo) imbuyekezo yengozi yemali. I-inshurensi isenokungabi ngumnini wezindlu kuphela-unelungelo lokufumana i-inshurensi kunye nendlu yabazali bakho okanye ukunika umgaqo-nkqubo weinshurensi yomtshato kubantwana. Emva koko kwimvumelwano uya kubizwa ngokuba yi-inshurensi, kodwa umnini wezindlu nomhlaba uya kuba ngumntu oyi-inshurensi (okanye umzuzi).
Ulwazi olusisiseko lweinshurensi
Into yokhuseleko ebonelelwe ngumgaqo-nkqubo weinshurensi, xa ukulungiswa kwe-inshurensi ayisiyondawo, kodwa igqitywe (i-teling kunye ne-windows yefestile, i-loggias, i-loggias, i-stucco , emva komthi okanye nasiphi na esinye esinye seline) kunye nezixhobo zobunjineli. Uluhlu lwelokugqibela lubanzi - lubandakanya izitovu zerhasi okanye izikhanyiso zombane, umabonwakude, izixhobo zokufudumeza, izixhobo zokufudumeza, iimitha zombane kunye neemitha zombane. Nceda uqaphele ukuba izixhobo zobunjineli azibandakanyi ifanitshala (eyakhelweyo, njengoko sele iqatshelwe, yinto yokugqiba) kunye nezinto zombane zekhaya: zikrokriswanga ngokwahlukeneyo, ukuqukumbela ngemvumelwano ye-inshurensi. Nangona kunjalo, ikhontrakthi nganye yokulungisa yahlukile-uluhlu lwepropathi ekhuselweyo ngumgaqo-nkqubo ingandiswa.
Umahluko phakathi kwemigaqo-nkqubo yokulungisa yenze nje ixesha nje elithile elidlulileyo, ubuxoki kwinani leentlawulo zeinshurensi ezichaziweyo kuzo kunye nenani lembuyekezo, elizakuhlawulwa ngokomcimbi we-inshurensi. Ixabiso lokulungisa eliveliswa lixesha elide, ingcali iya kumisela ixabiso lezinto kunye nomsebenzi owenziweyo, kodwa kuthathelwa ingqalelo.
I-inshurensi kufuneka yazi iindleko zokulungiswa kwakho. Njengommiselo oqhelekileyo, ixabiso lepropathi ye-inshurensi limisela umgcini-nkqubo ngokwayo, kodwa rhoqo i-inshurensi iphakamisa indleko ezichaziweyo, okanye ichithe kwiinkonzo zovavanyo. Ingxaki kukuba ukumisela ngaphezulu okanye ngaphantsi kweendleko zepropathi ye-inshurensi kunokubangela ingcali enamava, kuba indlu nganye ayifani nenye, kunye nabanini bayo. Ukuba unamaxwebhu, kungqina ixabiso lokulungisa (umzekelo, ukhangela ukuthengwa kwezinto zokwakha kunye nokugqiba, eziqhotyoshelwe kwimvumelwano yokwakha, eqhotyoshelweyo), ukuseka iindleko zeinshurensi ziya kuba kakhulu Elula.
Ewe, ukuba ulungisa iminyaka edlulileyo okanye engakhange igcine amaxwebhu, ibhekisele kuvavanyo lwe-inshurensi okanye izimvo ezizimeleyo. Kule meko, ukubalwa kuya kwenziwa kwisiseko sokusebenza kwangoku njengamaxabiso asebenza ngoku kwimarike, efana noko babekusetyenziswa ekhayeni lakho, kunye nendleko zomsebenzi ofanayo nolwakhiwo. Ixabiso lokulungisa indleko ngaphezulu kunokuba imi ngexesha le-inshurensi, i-inshurensi ayisebenzi. Ke ngoko, ukuba awukwazi ukuqinisekisa iindleko zokulungiswa, ixabiso eliphakathi liya kuthathwa.
Kwezinye iimeko, ukulungiswa akuyonzuzo ngakumbi kwi-inshurensi, kwaye kwinxalenye- umzekelo, ukuba ufaka iiplanga ezixabisekileyo zenjineli. Indlela efanayo inokusetyenziswa kwimeko apho ulungiso lulibazisekile, ngamanye amaxesha sele kukho iindawo zokuhlala.
Ifoto: I-Shutterstock
Njengazo ezinye iimveliso zeinshurensi, i-inshurensi yezixhobo zokugqiba kunye nezixhobo zobunjineli zendlu inenguqulelo yokuthetha. Kule meko, isixa eso sibonisa i-inshurensi, kwaye i-inshurensi ayithumeli i-appraiser yayo ukukhangela imali afowunayo. Kodwa indleko iyonke yokulungisa nokugqibezela akufuneki kuqhutyekwe kolu hlobo lwesakhelo seinshurensi (elona nani liphezulu le-inshurensi nganye liseke ngokukodwa). Kodwa iintlawulo zeinshurensi ziya kuba ngaphantsi kune-inshurensi yesiqhelo.
Amanani esiseko irhafu yeenkampani zeinshurensi ngexesha lokulungisa i-0.5-1.5% yexabiso le-inshurensi. Ukubala kokugqibela kwenani lentlawulo eliseleyo kwi-inshurensi.
Isakhiwo solo luxanduva loluntu
Xa usenza imisebenzi yokulungisa kunye nemisebenzi yokwakha, ngamanye amaxesha kukho iingxaki ezahlukeneyo, ukuphepha ukuba zeziphi kwaye zihlale zizolile ziya kuphinda zincedise ipolisi yeinshurensi. Yinyani, esele yahlukile.
I-Inshurensi yoLuntu iBalwa ukuba i-inshurensi ikhusela ekuthatheni umonakalo kwabanye abantu (umzekelo, abamelwane). Ke, ukuba umgaqo-nkqubo ngokwakhe, amalungu entsapho yakhe okanye ngumntu onshurensi uya kubangela ukonakala kwigumbi leinshurensi, yonke imbuyekezo, i-inshurensi iya kuhlawula imbuyekezo.
Umgaqo-nkqubo we-inshurensi yetyala kufuneka ube noluhlu lwaba bantu abakhusela: i-inshurensi nehlala kunye naye. Ngaphandle koko, i-inshurensi ayizukubuyekeza ngomonakalo obangelwe yizenzo zabo babemi bamagumbi angafakwanga kwipolisi yeinshurensi.
Ngapha koko, okwangoku kukho iintlobo ezimbini zenkampani ye-Inshurensi esetyenziswayo kubanini bendlu:
- Okokuqala, i-Inshurensi yetyala kwiqela lesithathu ngexesha lokulungiswa komonakalo obangelwe yipropathi, ubomi kunye nempilo yabantu besithathu;
- Okwesibini, i-Inshurensi yentlawulo kwiqela lesithathu elihambelana nezibophelelo ezivela kumonakalo, impilo kunye nepropathi yomntu wesithathu.
Ukuba umonakalo obangelwe yindawo yokuhlala incinci, i-inshurensi inokwala ukuhlawula izinto ezintsha. Sinikezela kwangaphambili ukubandakanya i-franchise kumgaqo-nkqubo (isixa esikhoyo kumnini wezindlu abuyisa umonakalo). Iya kunciphisa kakhulu iindleko zomgaqo-nkqubo, kwaye zincamathele izibini zephephadonga. Umnini wezoqoqosho uqoqosho uyakwazi kwaye ngokwakhe.
Umgaqo-nkqubo wokuqala uya kuba luncedo kwabo bacwangcisiweyo (nokuba kuya kwenziwa njani na - ngokwabo okanye ngokuthatha inxaxheba kwabakhi abaziingcali). Kule meko, ikhontrakthi yeinshurensi iqukumbela ixesha lokulungiswa kunye nokwakha. Xa uhlengahlengise igumbi, ukupheliswa kwemvumelwano yeinshurensi yoluntu kuyanyanzeleka, kungenjalo awuyifumani imvume esemthethweni kuyo.
Mayitshilo ukuba iikontraktha zokwakha ezizingqina kwintengiso ngokwazo ngokwazo zinika abathengi kwingozi engalindelekanga, nangona inokubonakala ngathi inoxanduva lokuzama kwabo. Rhoqo, umkhonzazana ukongeza ukongamela ibhola yakhe, kuba iingozi ezahlukeneyo zinokwenzeka, kwaye ukubuyiselwa kwexabiso lezinto zokuthenga ezihlawulisiweyo kungcono ukungenela i-inshurensi.
Inketho yesibini ye-inshurensi yetyala yenzelwe umonakalo wexesha elide - ipolisi yeinshurensi iza ngamandla emva kokuphela komsebenzi wokulungisa kunye nokwakha umThetho woMthetho we-1-1,5. Lo mgaqo-nkqubo uya kukuthathwa kakuhle ukuba kuye kwenziwa nawuphi na umsebenzi wokulungisa. Umtshato ofihlakeleyo, ngelishwa, awunakuvela ngexesha lokwamkelwa, kodwa kamva ungakunceda uphumle ipolisi yeinshurensi yohlobo lwesibini.
Zihlawulele uxanduva lwakho ngexesha lokulungiswa, unokufumana kuphela kwinkampani yeinshurensi. Ikhontraktha inelungelo kuphela ukuze licebise i-inshurensi-umzekelo, apho isebenza khona. Nangona kunjalo, ukhetho lwenkampani yeinshurensi luhlala kwi-inshurensi (ungumthengi wokulungisa umsebenzi wokulungisa kunye nokwakha).
Ixabiso le-Inshurensi ye-Inshurensi yoLuntu yokuSeta inkampani yeinshurensi. Kubalwa njengepesenti yentlawulo ephezulu, ubungakanani bezinto ezichaza umkhuseli. Isixa se-inshurensi sixhomekeke kumgangatho wendlu ohlala kuyo, kwaye ngomhla wokwakhiwa kwayo (okanye ngaphezulu), kunye nolwazi lwe-inshurensi malunga nemeko yamagumbi angabamelwane.
Ukuba indlu yabamelwane bakho yonakalisa, into yokuqala ekufuneka yenziwe kukulungisa wonke umonakalo kwaye wenze uvavanyo oluza kuseka ityala labo. Kusenokwenzeka ukuba ukulungiswa kwakho apha kuko konke, kwaye ukunyathela ngokupheleleyo konxibelelwano ekhaya okanye ngomonakalo kubangelwa zizenzo zabamelwane ngokwazo. Uviwo luya kuqhutywa yi-inshurensi. Ukuba awuvumelani neziphumo zayo, unelungelo lokufaka isicelo kwiingcali ezizimeleyo. Ngokweziphumo zovavanyo lwengcali, i-inshurensi iya kumisela inani lembuyiselo.
Ifoto: Shutterstock / ifoto
Olunye ukhetho lunokwenzeka - hayi wena, kwaye abamelwane bakho baya kuphuma komonakalo. Emva koko inkqubo yendlela ivele-- abamelwane bakho banokufuna imbuyekezo yokulimaza kuphela enkundleni. Nangona kunjalo, kule meko, baya kuqhuba uviwo kwaye bamisele i-inshurensi yeentlawulo zeinshurensi ngenxa yabamelwane. Ngendlela efanayo, uviwo luya kwenziwa enkundleni, oluchaza ubungakanani bomonakalo, kwaye kuloo meko ukuba abamelwane babhengeze ukubhena kwimbuyekezo yembuyekezo ye-inshurensi etyunjwe yimbuyekezo.
Uluhlu lweengozi
Ukuba ayibandakanywanga kuluhlu lwe-Inshurensi ye-Inshurensi yemingcipheko apho ungathanda ukukhusela, ipolisi yeinshurensi ayizukugqitywa. Kuluhlu lweengozi zeinshurensi, unokwenza oku kulandelayo:- umlilo;
- I-Bay ngenxa yokuvuza kunye neengozi zokubonelela ngamanzi, ukuntywila, ukufudumeza okanye inkqubo yomlilo;
- Ukungena kwamanzi ukusuka kumagumbi akufuphi (izikhukula ngenxa yesiphoso sabamelwane);
- ukuqhushumba kwegesi yekhaya okanye ukufudumeza;
- Iintlekele zendalo;
- Izenzo ezingekho mthethweni (ubusela).
Kukho umngcipheko womonakalo woomatshini-masithi ukuba izixhobo zokwakha okanye izithuthi zityiwe ekhayeni lakho. Iimeko ezinjalo, ngethamsanqa, kunokuba kunqabile.
Njengayo nayiphi na i-inshurensi, kunokwenzeka ukuba ubandakanye yonke imingcipheko kwinani labemi okanye ukhethe kuphela ezo zinokwenzeka ukuba zikhethe. Ukongeza, uhlala unethuba lokuxhasa okanye uchaze uluhlu. Umzekelo, ukuba uphila kumgangatho wokuqala okanye wesibini, kufanelekile ukongeza umngcipheko wokonakaliswa kwepropathi yakho ngenxa yezenzo ze-hooligan-zibeke nje iiglasi zebhola ye-Noviceyard.
Funda isivumelwano ngononophelo, chaza zonke iinkcukacha. Ngokwesiko, sitsalela ingqalelo yakho kwinto yokuba umngcipheko ngamnye kufuneka uchazwe kangangoko kunokwenzeka. Njengomzekelo, sinika amatyala amabini awahlukeneyo: i-bay ngenxa yempazamo yabamelwane kunye nezikhukula ngenxa yokuphefumla. Le mingcipheko ihlala ididekile: Ke, i-inshurensi ayiyi kubuyisela indleko yephepha lodonga, ukuba awukabandakanyi umngcipheko wokuphumla, ngethemba lokuba uhlala kumgangatho ophezulu.
I-inshurensi iya kubuyisela umonakalo obangelwe ngu:
- imiphumo engalindelekanga engalindelekanga yamanzi kunye (okanye) Olunye ulwelo ngenxa yongenelelo lweinshurensi (okanye umntu onshurensi) kuyilo;
- Amanzi, ukufudumeza kunye nenethiwekhi ye-winere okanye izixhobo ezinxulumene nazo. Oku kungenzeka ngenxa yokuba umatshini wokuhlamba uchithekile;
- Iziphumo ezingalawulekiyo zomlilo ezinokusasazeka ngokuzimeleyo iindawo ezilungiselelwe ukufuya kunye nokugcinwa kwayo, kunye nefuthe lemveliso yokudibanisa kunye nokucima umlilo (oko kukuthi, umlilo);
- Umonakalo woomatshini obangelwe sisiphoso somshuwali okanye umntu wesithathu oqesheke kuye (umzekelo, ukuba udonga, ukuba loluphi udonga, luya kuwa ngenxa yokulungisa isiphoso se-Brigade).
Uluhlu lwamatyala agutyungelwe yi-Inshurensi ye-Inshurensi yoLuntu iMfutshane kakhulu - ezi ziimpawu zolu hlobo lwe-inshurensi. Kwimeko ye-inshurensi yoluntu, nceda uqaphele ukuba kwezinye iimeko, iintlawulo zeinshurensi azinikezelwanga. Oku kubhekisa kumonakalisi obangela umhlaba nge-inshurensi okanye amalungu osapho lwakhe. Ukuba umonakalo ubangelwa kukungakhathali (ukuseka oku, ukuqhuba uviwo), iintlawulo zenziwa ngokupheleleyo.
Ezinye iinkampani zeinshurensi kwikhontrakthi zibonelela ngemali eyahlukileyo yembuyekezo. Kwimeko apho umonakalo obangelwe ngenxa yokungathotyelwa kweemfuno zokhuseleko, inkampani yeinshurensi iya kubonelela ngokuhlawula inxenye yayo kuphela.
Indleko yepolisi yeinshurensi ibalwa ngokweziseko zerhafu ezisisiseko. Xa kuvavanywa izinto zobugqi, iinkampani zeinshurensi eziza ngale ndlela: Ixabiso elipheleleyo lokulungiswa lithathwa nge-100%, kwaye izinto zimiselwe kwizabelo kuzo. Kwangelo xesha, ukugqitywa kophahla ngokuqina kuqikelelwa kwi-10-16%, ukugqiba komgangatho kungama-30-35%, ucango olunokutsha kunye nolwakhiwo lwefestile yi-15-20%. Qaphela: Lo mlinganiselo awubhaliswanga ngesiqhelo, oko kukuthi, le yintando ye-inshurensi. Ke ngoko, zenze zonke izinto ezigqityiweyo zokuhlala kwakho kunye nommeli wenkampani yeinshurensi-kuya kukunceda ukhethe umgaqo-nkqubo kwaye ubale indleko zokulungiswa. Ngenxa yoko, uya kufumana isixhobo esihle sokukhusela, enkosi apho ungayibuyisela khona igumbi kwimeko yezikhukula okanye umlilo, kwaye ungaphuli, imbuyekezo yomonakalo obangelwe ngabamelwane.
