5 Zedi Njira Sungani Big wanu Inshuwalansi

Anthu ambiri ndi payekha mabanja asagwe tizivutika zosiyanasiyana inshuwalansi zolinga, ichi ndi zilonda zokhudza banja lawo ndalama komanso opeza. Iwo ndithudi kumvetsa kufunika kupereka premiums stoutly ndi kwenikweni kutero, koma zotsatira awo chonse ndalama ndi banja azipezako sikuti anataya pa iwo - choncho akufunika kukazonda njira kupulumutsa lalikulu awo inshuwalansi zolinga popanda kuphwanya abwino alipo zolinga. Taganizirani kulipira banja inshuwalansi, nyumba ndi katundu inshuwalansi, magalimoto galimoto inshuwalansi, ndi moyo inshuwalansi pakati ena, Kodi anasiya kusamalira banja ndi ntchito munthu maloto ndi zolinga? Yankho la funso bwino zifukwa adzapulumutsa chachikulu pa inshuwalansi, ndi mfundo zotsatirazi mmene:

i. Kwezani deductibles: Inu mukudziwa chimene izo zikutanthauza kuti akweze kapena mulidziwe deductibles, kodi simu? Izi zikutanthauza kuti kuonjezera kuchuluka kwa kunja kwa thumba anafotokoza inu kulipira pa mwangozi zinthu zimene chilolezo inshuwalansi malipilo zikunena. Mukayang'ana deductibles, kampani ya inshuwalansi nanu kuchepetsa zochitika za malipilo chonena pa iwo ndipo iwo basi kuchepetsa wanu premiums kwambiri angakwanitse mitengo - zinakuchititsani kupulumutsa chachikulu pa zolinga kuti inu simungakhoze kuchita popanda ndipo sizikanatheka zotheka popanda anakweza deductibles.

II. Kulankhura ndi wothandizila pa kuchotsera: Wanuyo inshuwalansi wothandizila yosanthula wanu inshuwalansi ndi zolinga muone inu ayenerere wochotseredwa mitengo yanu premiums. Anthu ambiri ayenerere inshuwalansi kuchotsera mosadziwa, ndipo iwo amapita pa ndalama mkulu mitengo chifukwa kampani ya inshuwalansi adzakhala otsiriza kudziŵitsa iwo ngati iwo akhale pa ubwenzi wabwino ndi wothandizila. Anu wothandizila ayenera ntchito yanu kuchotsera ndipo kukuthandizani kupulumutsa lalikulu zochokera zimene mtima wanu malamulo ndi kuchuluka kwa mfundo zolinga muli ndi inshuwalansi kampani.

III. Kwezani ngongole mphambu: Makampani a inshuwalansi tikambirane waukulu chiopsezo kutsimikiza mukakhala ndi zoipa ngongole mlingo. Mwina simudziwa kuti inshuwalansi Makampani kuchita maziko macheke pa inu muone wanu ngongole zambiri kapena mlingo ndi. Ngati ngongole zambiri ndi otsika kwambiri ndiyeno inu anamenyetsa mkulu umafunika mlingo pamene kutsimikiza inu, koma pamene inu kuyesetsa kukonza kwezani ngongole mlingo ndiye kumachepetsa wanu umafunika mitengo. Ngati mwakhala kulipira kwambiri mitengo chifukwa zanu zoipa ngongole zambiri pamaso kukonza iwo, ndiye muyenera kudziwitsa za kusintha kuti athe mavuto anu yafupika umafunika mitengo mwamsanga.

iv. Ntchito pakampaniyo: Izi zimapangitsa kulingalira bwino: ntchito zomwezo inshuwalansi olimba kapena kampani kutsimikiza onse banja lanu, katundu, thanzi ndi zinthu zina. Kapena m'malo, kutsimikiza wanu magalimoto ndi chimodzimodzi inshuwalansi kampani; inshuwalansi onse banja thanzi ndi mankhwala mapulani ndi chimodzimodzi inshuwalansi otsimikiza; inshuwalansi onse nyumba ndi katundu chuma ndi chimodzimodzi inshuwalansi kampani, ndipo mudzatha kupulumutsa lalikulu pa onsewa inshuwalansi ndondomeko.

v. Muzitseka nyumba ndi magalimoto: Kukhazikitsa chitetezo mbali ndi zapamwamba ku makwanu ndi magalimoto kwa kufika aliyense incidences wa burglary, vandalism ndi umbava. Security zamakono monga zozimitsira moto, burglary zimatsatira machenjezo otere, odana ndi loko maofesi ena ndi chitetezo mbali kungachepetse kapena kuchepetsa zochitika za ngozi mu nyumba zanu ndi magalimoto, ndipo uwu kwambiri kukupulumutsani ndalama popeza insurer kuti basi kuchepetsa wanu umafunika mitengo.



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