Katundu inshuwalansi - ena mokoma zofunika.

Potsiriza afika kumapeto zosasangalatsa onse yozizira, ndi mu malo ake likuyandikira kutsegula kwa chilimwe. Tsopano n'kofunika kuganizira inshuwalansi katundu wanu wakunja kwatawuni.

Inali pa nthawi iyi pali ambiri moto ndi zochitika zina mphamvu majeure kuti mwina kwathunthu kapena pang'ono kuwononga katundu wanu.

Pakali pano, pali zambiri kampani ya inshuwalansi oimira ntchito pa inshuwalansi katundu. Ena mwa iwo ndi amene amapereka Mabaibulo zonse za inshuwalansi Kuphunzira, kuphatikizapo phukusi zonse za kuopsa ndi kalembera mwatsatanetsatane za chuma onse inshuwaransi, komanso anthu amene ali mu nkhokwe ya m'Chingelezi chosavuta njira yawo ogwirizana ndi mlingo wa zikalata anaphedwa (Mwachitsanzo, kampani "Insurance Survey", mfundo pa strahexpert.by). Kusankha chomaliza cha njira abwino - zonse ndi chisankho chanu.

Koma, kusankha njira yamasika, muyenera kuganizira mfundo zingapo. Choyamba, mfundo wosalira amapulumutsa nthawi kamangidwe kake, koma kukhala kosatheka kufotokoza dongosolo anu mwatsatanetsatane. Katundu inshuwalansi mu lamuloli makamaka anatsimikiza ndi mfundo za nkhaniyo m'munsi ndi chiwerengero chonse inshuwaransi. Atsogoleri poyera kuchuluka inshuwaransi ndi phindu lenileni la chuma akhoza kuoneka yekha pa siteji ambiri malipiro inshuwalansi, kungachititse kuchepetsa kukula kwake.

Ngati kumene Uwerenge inshuwaransi ndi zooneka ndi overpriced, ndipo pambuyo inshuwaransi chochitika inshuwalansi ukatswiri anakhazikitsa kuti phindu chinthu akhudzidwa ndi kwenikweni poyerekeza ananena, monga azilipira ndalama kuti akatswiri anadzitcha panokha. chikhalidwe ichi ndi yonena za malipiro owonjezera phindu lenileni la chuma otaika ndi kuwonjezekeredwa mu ndondomeko zonse za inshuwalansi ya katundu ndi zogwirizana ndi malamulo. Pachifukwa ichi, sayesa kusintha zingakweze phindu katundu wawo, monga kuti zikuphatikizapo wodzikweza yekha kuonjezera umafunika.

Ngati kumene ndalama inshuwaransi kuderera, koma phindu katundu pambuyo ngozi, akatswiri anatsimikiza apamwamba, auka ndi inshuwalansi njila (a zinthu zimene chuma inshuwaransi poyamba anali osati kuchuluka zonse za mtengo). Monga zoona, izo kachiwiri zidzayambitsa kuchepetsa premiums inshuwalansi.

Kuti zofunika kwambiri ndi kuchuluka kwa inshuwalansi Kuphunzira. Insurance ndondomeko ya m'Chingelezi chosavuta mtundu ndi zofooka. Choncho, kwanu amangokhala kugwa pansi zofooka zomwezo, ndi kutsimikiza iwo sanabwere kunja.

Yang'anani nthawi zonse kuopsa kwa zomwe osamvera akudzitengera mfundo ndi wosalira, chifukwa nthawi zambiri mapulogalamu awa ndi Kuphunzira amodzi (mwina kuphimba chiopsezo chimodzi chokha, etc.). Yotchipa likanatha pano chifukwa cha nambala kochepa cha ngozi. Izi zitha kukhala moto, kuba, madzi osefukira, etc. Mu chochitika cha nthawi zingapo kuwonongeka kapena kuba imfa reimbursement adzakhala mmodzi, amene mayina malamulo.

Motsutsa likhale kuipa onsewa nadzaza amaika zonse zolembedwa izo sizimawoneka choncho ndinadziwa. Mwatsatanetsatane mndandanda wa nyumba zikusonyeza zipangizo za ntchito yomanga ndi mapeto, kanema zosemphana ndi chiwerengero cha storeys, kulola underwriter kufotokoza ndalama wanu wosankhidwa inshuwaransi kuti phindu lenileni la dongosolo, ndi kupewa kusamvetsetsana pa siteji ya kusainira mgwirizanowo. Choncho, kuthera nthawi pang'ono za inshuwalansi katundu, ndicho kudzaza sheya zoonjezerapo, inu adzateteza kanyumba anu ku ngozi n'kotheka.