Chii inishuwarenzi muripo

Inishuwarenzi - kutanga makore anopfuura gumi nevaviri imomo pasango ukama zvemari. Mukana wokugamuchira muripo ari chiitiko ezvinhu akapa mu chibvumirano inishuwarenzi, anogona kuva zvikuru chaihwo rutsigiro. In nyika yedu, pane mhando mbiri mikuru inishuwarenzi - fanira uye nokuzvidira. Nemumwe wavo akabata mumwe nomumwe wedu, pamusoro kodzero kushandisa imwe, vakawanda vachiri kufunga. Zivo vagere nezvehukorokodzwa mazwi uye yose muitiro uri patchy chaizvo uye dzimwe nguva hakuna kuvimbika.

Ngationgororei chimwe kiyi pfungwa urongwa mabasa inishuwarenzi, chii inishuwarenzi muripo. Izvo zvinoreva kuti pfungwa iyi kupfuura kunotsanangurwa?

Inishuwarenzi indemnity ndiyo mari chaiyo kuchazoratidzwa rwakabhadharwa kuna chekambani vatengi vari huye tsaona kana mamiriro ezvinhu pasi chibvumirano inishuwarenzi. Muenzaniso iwoyo motokari kuita inishuwarenzi inogona kucherechedzwa kuti mari, mukati chichakurukurwa ndanyarara hangu ne kukuvadza kunokonzerwa kubva tsaona, uye pane inishuwarenzi muripo.

Sezvingatarisirwa, nemari kubhadharwa, anogona kugadziridzwa kwakavakirwa dzinoverengeka ezvinhu:

• Huwandu mari haigoni kusapfuudza mari zvaparadzwa, yakanga chaizvoizvo kureva insured pfuma, kana chibvumirano inopa kuti muripo dzakananga chitsama pasinei ezvinhu.
• Muripo vacharaswa kuderedzwa kana kuwanda pamusoro inishuwarenzi chinhu pazasi wayo mutengo inishuwarenzi (kana zvimwe yakabva inishuwarenzi itsika).
• Kana inishuwarenzi mumwe chinhu kubva wandei insurers, inishuwarenzi muripo kubva insurers zvose, haagoni kuva kupfuura chaiko kukosha pfuma.
• The dzosera yakawandisa bhadharika pasinei nezvimwe zvibvumirwano vachibhadhara (evanhu kubatsira kana muripo kukuvara kuutano).

Mazuva ano chokwadi, pane zviitiko apo policyholder anogamuchira kuramba kubhadhara inishuwarenzi indemnity. Chisarudzo ringava nokuda ezvinhu anotevera:

• Late chiziviso nezvokuti ari insured chiitiko.
• Kukwana akagadzirwa magwaro inopiwa sezvo uchapupu.
• Corrections ari inishuwarenzi itsika.
• Non-inishuwarenzi nyaya.

Ichi ndicho chikonzero kuti makambani inishuwarenzi akaisa mberi ave nharo nemhaka yokuramba kubhadhara. Panyaya inishuwarenzi auto, pane mazita zvikonzero pokuramba kana kukwana nekuripira kukuvara iri rakakura.

Kana mutengi chokwadi Mvumo yezviito zvakadaro pamusoro chikamu kambani yacho inishuwarenzi, zvinogona kuita muitiro dzakadai kuzoita inishuwarenzi muripo mudare. Kuti achisimbisa rutsigiro yepamutemo uye rubatsiro kune vakawanda vakatendeka dzingafarirwa mabasa pamutemo. Independent kuwana kumatare hapasi kubudirira, nekuti makambani inishuwarenzi ane kumbonyanya zvakawanda tsvimbo magweta vanogona kukuita chokwadi kururama kwemashoko anoti. Yakazvimirira nyanzvi richakubatsira kunzwisisa nezvehukorokodzwa zvazvingava, kuongorora mikana nokuda kwayo kupedza vachida mutengi, uyewo angapa mirayiridzo udzamu chii magwaro anofanira inounganidzwa nokuda kuzviisa pasi chikumbiro kudare.