Xa silungiselela ukubaleka kukho izinto ezininzi ekufuneka sizithathele ingqalelo: ihotele, imithwalo, ezothutho, iihambo ... Ukulungiselela uhambo kuthatha ixesha kwaye ukufumana izisulu kufuneka ukhangele kwangaphambili. Nangona kunjalo, sinokungalufumani uhambo oluncinci ngokwaneleyo ukuba, ngomzuzu wokugqibela, sinyanzelekile ukuba simise iholide, akumnandi ukuchitha ixesha olichithe ulilungiselela kunye nolondolozo obumiselwe ukuhamba ngalo.
Ukuqesha i-inshurensi yokurhoxisa uhambo kunokuba yinkcitho eyongezelelweyo ongayifuniyo kodwa kwiimeko esingenakuzibona kusengaphambili, kuya kuba luncedo kakhulu ukuze ilahleko yezoqoqosho ingakuchaphazeli. Cinga ukuba ngaloo mali unokucwangcisa kwakhona olo hambo ngesinye isihlandlo.
I-inshurensi yokurhoxiswa kokuhamba inika ukhuseleko ngokuchasene neemeko ezahlukeneyo ezinokukunqanda ekuhambeni kwaye, ke, uphulukane nemali yetikiti kwiimyuziyam nakwizikhumbuzo, amatikiti endiza, iihotele, izithuthi eziqeshisayo, njl. Iindleko zeinshurensi yezi mpawu ziyahluka ngokuxhomekeka kwisixa esichazwe ukuba sikhuselwe ngumntu ngamnye, siyipesenti yaloo mali.
Yintoni i-inshurensi yokurhoxisa uhambo?
Ngokwesiqhelo la ngamagatya aqhotyoshelwe kwi-inshurensi ethile okanye njengenxalenye yeemfuno zohambo. Isebenza kuphela ukuba ikhontrakthi yaqala kwasekuqaleni ngexesha lokwenza ubhukisho lohambo.
Ukukhutshwa kwale inshurensi kuhlala kukhulu kwaye ngexabiso elifanelekileyo. Ngayiphi na imeko, kuya kubakho ukhetho oluninzi oza kukugubungela ukuba uhlawula ixabiso eliphezulu, kodwa ngokubanzi abacingi ukuba kuyabiza kakhulu xa ucinga ukuba luncedo kwimeko apho kufuneka khona.
Inkonzo yeinshurensi yokurhoxisa uhambo inomda ngokuxhomekeke kwi-inshurensi, ekungayi kuba luxanduva lwayo kwinkcitho. Ngumda kanye owukhethileyo oya kugqiba ngexabiso le-inshurensi yokurhoxiswa kohambo. Ukunyuka komda, kokukhona izinto ziya kugutyungelwa kodwa iya kubiza kakhulu.
Into esisiseko xa uqesha i-inshurensi yokurhoxisa uhambo kukufumana ibhalansi phakathi kwexabiso lokuhlawulela i-inshurensi, imisebenzi ekuvunyelwene ngayo, nohlobo lohambo oza kulwenza. Akunangqondo ukuhlawula ngokungaphezulu okanye ngokungagqibekanga, kuba kwimeko enye uya kulahleka imali kwaye kwelinye uya kuhlawula ngaphezulu into ongayi kuphinda uyifumane xa into ingahambi kakuhle.
Into ebaluleke kakhulu malunga nolu hlobo lweinshurensi kukugcina zonke ii-invoyisi zohambo oziqeshileyo okanye inkcitho oyenzayo, kuba ezi risiti ziya kuba zezizo eziqinisekisa uhlobo lwembuyekezo ekufuneka yenziwe xa ufuna.
Zeziphi iimeko ezinokurhoxisa i-inshurensi?
I-inshurensi yanyanga le ingagubungela:
- Ukugula kwe-inshurensi okanye isalamane esingqinwe ngugqirha esibandakanya ubuncinci usuku olunye lokulaliswa esibhedlele okanye ukukhubazeka okwethutyana kwiveki engaphambi kohambo.
- Ingozi yomntu o-inshurensi okanye isihlobo. Umonakalo womzimba oqinisekiswe ngugqirha obandakanya ubuncinci usuku olunye lokulaliswa esibhedlele okanye ukukhubazeka okwethutyana kwiveki engaphambi kohambo.
- Ukusweleka kwe-inshurensi okanye isihlobo.
- Ukugxothwa ko-inshorensi.
- Umonakalo omkhulu ngenxa yomlilo, ubusela, ukuqhushumba okanye isikhukula kwizakhiwo ezifanelekileyo okanye kwindawo yokuhlala.
- Ukuchongwa njengommangali, ummangalelwa, ijaji okanye ingqina.
- Biza ukuba ube lilungu lesikhululo sokuvota.
- Ukuqeshwa kunyango kunyango lwe-inshurensi okanye kwilungu losapho.
- Ukurhoxiswa kweqabane elibhaliswe ngaxeshanye kwindawo efanayo kunye ne-inshurensi.
- Ukutshintshelwa komsebenzi okubandakanya utshintsho kwindawo yokuhlala yesiqhelo ye-inshurensi kwinqanaba lendawo.
- Ukufakwa kwinkampani entsha kwisivumelwano esingaphezulu konyaka omnye.
- Ukunikwa njengomchasi kwiimviwo ezisemthethweni kwiimviwo zikarhulumente.
- Ukusweleka kwesidanga sesithathu.
- Ukugula okanye ingozi embi yomqeshwa oqeshwe yi-inshurensi ukuba agade abantwana abancinci.
- Ukusweleka komntu oqeshwe yi-inshurensi ukuba anakekele abantwana abancinci.
- Ukuphuma kwesisu okanye iingxaki ezinzulu xa ukhulelwe ezifuna ukuphumla ngokupheleleyo.
- Amapolisa abamba abo bakhuselweyo.
- Ubusela bamaxwebhu okanye imithwalo iiyure ezingama-72 ngaphambi kohambo lokuhamba.
I-inshurensi esemgangathweni inokugubungela:
- Ukugula kwe-inshurensi okanye isihlobo. Ukuphazamiseka kwempilo Impilo iqinisekiswe ngugqirha ebandakanya ubuncinci usuku olunye lokulaliswa esibhedlele okanye ukukhubazeka okwethutyana kwiveki engaphambi kohambo.
- Ingozi yomntu o-inshurensi okanye isihlobo. Umonakalo womzimba oqinisekiswe ngugqirha obandakanya, kwiveki engaphambi kohambo, ubuncinci usuku olunye lokulaliswa esibhedlele okanye ukukhubazeka okwethutyana.
- Ukurhoxiswa kweqabane elibhaliswe ngaxeshanye kwindawo efanayo kunye ne-inshurensi.
- Ukusweleka kwe-inshurensi okanye isihlobo.
- Ukutyunjwa kunyango lotyando kwi-inshurensi okanye kwisihlobo.
- Umonakalo omkhulu ngenxa yobusela, izikhukula, ukuqhushumba okanye umlilo kwiindawo zobungcali okanye kwindawo yokuhlala.
Ngamafutshane, ukuba ne-inshurensi yokurhoxisa uhambo ngumbono olungileyo ukuze ungalahli yonke into oyityalileyo xa kunokwenzeka ukuba urhoxise uhambo. Kuba uhambo ngalunye luhlukile, lufuna ukulungiswa okuthile kwaye ixabiso lokugqibela nalo lahlukile. Nxibelelana neinshurensi ezininzi ngaphambi kokuqesha enye kwaye ukhathazeke nje ngokuzonwabisa.