Ukubaluleka kwe-Inshurensi yezeMpilo
Kuyahlekisa ukuba sithatha i-inshorensi ukukhusela ipropathi kunye neemoto zethu kodwa asikhe sicinge ngokufumana i-inshorensi yokukhathalela eyona asethi yethu ibaluleke kakhulu - impilo. Kulula ukuyichitha i-inshurensi yezempilo njengeendleko ezingeyomfuneko ngakumbi ukuba umntu akafane agule.
Esi sisigqibo sezemali esiyingozi kunye neendleko zokhathalelo lwezempilo olukhula ngokuthe ngcembe kwaye izifo ezingapheliyo zixhaphake ngakumbi, ukuxilongwa kwezonyango kunye nonyango kunokucima imali oyongile ubomi bakho bonke kwaye kubangele ukonakaliswa kwemali kuwe kunye nosapho lwakho.
I-inshorensi yezempilo nayo iluncedo xa amatyala akho onyango engaphezulu kakhulu koko ukwaziyo ukuzilungisa ngemali oyigcinileyo kunye nomvuzo wakho.
Ingaba isebenza kanjani
Ukufumana i-inshorensi yezempilo kulula. Phantse zonke iinkampani ze-inshurensi zine-inshurensi yezempilo kwaye ungaqhagamshelana nayiphi na ukuba ubhalise ngokukhawuleza. Musa ukungxamela ukuzinza kumboneleli wokuqala othetha naye; dlala intsimi kwaye ubone ukuba abanye abadlali banokunikela ngantoni.
Emva koko kufuneka ukhuphe intlawulo yenyanga ebizwa ngokuba yipremiyamu kumnikezeli we-inshurensi. Qwalasela esi sicwangciso sokulondoloza imini yemvula, kuphela ukuba kule meko impilo yakho lutyalo-mali.
Iprimiyamu ekufuneka ihlawulwe ixhomekeke kuhlobo lwephakheji oyithathileyo kunye nezinye izinto ezinje ngobudala, imbali yosapho, inani labaxhamli, ubume bempilo yakho, kunye neemeko zonyango ezikhoyo. Abanye abanini-inshorensi bayakucela ukuba ujongwe ngugqirha phambi kokuba bakunike uxwebhu lwepolisi.
Kubalulekile ukukhetha isicwangciso se-inshorensi yezonyango onokuthi uhlale uhambisana neentlawulo njengoko ukungaphumeleli kwintlawulo yakho yanyanga le kunokukhokelela ekubeni i-inshorensi ibe lilize.
wena kufuneka i-inshurensi yezempilo ngenxa yezi zizathu zilandelayo:
Ukhuseleko lwezezimali
Awungekhe ufune imeko apho ungavunyelwa ukuba ungene kwiziko lonyango ngenxa yokuba awukwazi ukuhlawula iimali zokungeniswa okanye iindleko zonyango ezinyuka ziye kumanqanaba ongasakwaziyo ukuwahlawula. Iinshorensi yezempilo ikhusela ukuba iimeko ezinjalo zenzeke.
Kukwakho nenketho yeentlawulo ezidibeneyo apho uhlawula inxalenye yebhilikhi yezonyango kunye ne-inshurensi yonyusa ibhalansi.
Ukunyanga izifo ezingapheliyo kunokukuchaphazela kakhulu imali yakho kwaye kulapho i-inshurensi yezempilo ingena khona – ikunceda ukuba uthwale umthwalo wemali wonyango.
Ngaphaya koko, ufumana izibonelelo zerhafu xa ubhalisela i-inshorensi.
Unonophelo olulodwa
Enye ye iinzuzo ze-inshorensi yezonyango ebanzi kukufikelela lula kunye nokufikeleleka kukhathalelo lwezonyango olukhethekileyo. I-inshorensi yezonyango yenza kube nokwenzeka ukuba ufikelele kunyango olukumgangatho ophezulu kakhulu ebekuya kuba kubiza kakhulu ukuba ungalufumana.
Kuxhomekeka kwi-inshorensi yakho, unokuba novavanyo lwangaphambili lwaselabhoratri, iyeza elichazwe ngugqirha kunye notyando, zonke zikhuselwe ngumniki-inshurensi wakho. Abanye abarhwebi bade baquke ukhathalelo lwamehlo, uPhononongo lwamazinyo kunye noqhaqho lokuthambisa kwiphakheji enye ngaloo ndlela besusa isidingo sokuba ube nababoneleli beinshorensi abaninzi ngayo yonke imeko yonyango enokwenzeka.
Ukuhlolwa kwezonyango
I-inshorensi yezonyango yenza ukuba ubani afumane unyango lothintelo rhoqo njengokuhlolwa. Ngale ndlela, izifo zibonwa kwaye zinyangwe kwangoko phambi kokuba zibe mandundu kwaye unyango luba nzima.