I-inshurensi yamatyala

I-inshurensi yamatyala

Wonke umntu, ngokusekwe kwiKhowudi yoLuntu, unoxanduva loluntu ngokwalo, kuba xa usenzakalisa omnye umntu kuya kufuneka uthathe uxanduva lwezenzo zakho kwaye ubuyekeze nabani na owenze into engalunganga (nokuba yeyomsebenzi okanye eyeyakhe). Kwaye, ke, unetyala leinshurensi.

Kwaye sithetha ngeyona inshurensi isisiseko ikhoyo, yaziwa ngcono njenge-inshurensi yomonakalo yomntu wesithathu. Kuyanceda ukukhusela ngokufanelekileyo, kodwa yeyiphi enye into ebonelelayo? Yintoni kanye le ibizwa ngokuba luxanduva lwaseburhulumenteni? Zeziphi iintlobo ezikhoyo? Namhlanje sithetha nge-inshurensi yamatyala.

Kodwa yintoni uxanduva lwaseburhulumenteni?

Kodwa yintoni uxanduva lwaseburhulumenteni?

Ngokwenqaku lika-1902 leKhowudi yoLuntu, uxanduva lwaseburhulumenteni lelo lisebenza xa "lowo athi ngokwenza okanye ukushiya enze ingozi komnye, angenelele ngempazamo okanye ukungakhathali, anyanzelekile ukulungisa umonakalo obangelwe."

Ngamanye amagama, Ungumntu ekufuneka aphendule ngengxaki ayivelisayo. Ngesi sizathu, i-inshurensi yamatyala eluntwini ichaza ukuba ngumntu onale-inshurensi unoxanduva olusemthethweni lokuphendula kuyo nayiphi na ingozi ayenzileyo, ukulungisa umonakalo kunye nokulawula okwenzekileyo.

Ngoku, ukuze kubekho uxanduva lwaseburhulumenteni, kufanelekile ukuthobela uthotho lweemfuno ezi:

  • Isenzo sokuzithandela okanye ukushiyeka. Oko kukuthi, ukuba umntu wenza okanye akenzi kodwa akazibandakanyi.
  • Isenzo esingekho mthethweni, okanye into efanayo, kukuba kukho into ebangela ukuba kusebenze uxanduva lwaseburhulumenteni.
  • Ukuxhamla. Ukulungisa umonakalo owenziwe komnye umntu, okanye kwizinto zomnye umntu, kuyafuneka ukuba lo mntu wokuqala abe noxanduva lwayo; kungenjalo bekungayi kufuneka ithathe indawo.
  • Ukonakala komntu wesithathu. Ukongeza ekubeni netyala, kufuneka kuzalisekiswe ukuba uvelise umonakalo, izinto eziphathekayo okanye ezobuqu, komnye umntu.
  • Unxibelelwano lweCausality. Oku kufanele ukuba kuqondwe njengeziphumo zesenzo esenziweyo.

Iindidi zeinshurensi yetyala

Iindidi zeinshurensi yetyala

Eyona inshurensi yamatyala oluntu eyaziwayo, ngaphandle kwamathandabuzo, yi-inshurensi yemoto (yomntu wesithathu i-inshurensi yomonakalo), kodwa inyani kukuba zininzi ezinye ekufuneka uzazi. Inyaniso, kukho iindlela ezininzi zokwahlulahlula, ke, ngokuxhomekeke kumntu oqeshayo, singadibana:

I-inshurensi yetyala lomntu ngamnye

Kule meko, ezi ntlobo zemigaqo-nkqubo zigubungela uxanduva kwicandelo labucala lomntu. Ngamanye amagama, zijolise kuzo khusela ubomi babucala bomntu kunye nepropathi yoku (izindlu nomhlaba, ikhaya, i-inshurensi yomntu okanye yosapho).

Kukwabandakanyiwe kule inshurensi yezilwanyana zasekhaya.

I-inshurensi yeengcali

Ijolise kwiingcali, abasebenza ngokuzimela, ii-SMEs kunye neenkampani. Into abayenzayo yile ube noxanduva lokugubungela amabango anokwenziwa ngumntu wesithathu kubo ngenxa yengxaki Eveliswa ngumsebenzi wengcali okanye yinkampani (umzekelo, ukuba umntu olungisa imibhobho yokulungisa umbhobho kwaye uphela ugqabhuke kumcimbi weeyure).

I-inshurensi yemfanelo yoluntu yabalawuli kunye nabaphathi

Elokugqibela libhekisa kwi- Umgaqo-nkqubo wokukhusela iiasethi zomntu kunye nabaphathi. Kwangelo xesha, uya kuphendula xa kukho nasiphi na isikhalazo okanye ibango malunga nokusebenzisa isikhundla sakhe.

Ngubani onoxanduva lweinshurensi

Khawufane ucinge ukuba ubange ingozi yemoto kwaye ubetha enye imoto ngasemva. Njengoko uyazi, i-inshurensi iyakusebenza apho kwaye, ukuba eyakho ivela kubantu besithathu, oko kuthetha ukuba unayo i-inshurensi yetyala loluntu, Oko kukuthi, kufuneka uphendule ngomonakalo owenzileyo. Kodwa, Ngawaphi amanani asebenza kwi-inshurensi?

  • I-inshurensi: yinkampani osayine i-inshurensi. Nguye oya kuthi abuyekeze ngenxa yengxaki ebenayo i-inshurensi.
  • I-inshurensi: iya kuba nguwe. Okanye ngamanye amagama, ngumntu ongene kwisivumelwano kunye ne-inshurensi yokumgubungela xa kunokubakho ingozi.
  • Umntu wesithathu wenzakele: ngumntu owonzakeleyo kuye, okunokuba yinto ebonakalayo okanye yobuqu.

Kutheni i-inshurensi yamatyala iyimfuneko

Kutheni i-inshurensi yamatyala iyimfuneko

Xa umonakalo wenzeka kumntu wesithathu, indlela yokubabuyekeza kuninzi lwamatyala kukusetyenziswa kwemali. Oko kukuthi, kuya kufuneka umhlawule imali. Ingxaki kukuba, Xa ungenayo i-inshurensi yamatyala oluntu, loo mbuyekezo kufuneka ibonelelwe nguwe, enokuthi ngamanye amaxesha ichaze ukuba uphulukana neeasethi zakho, okanye kunyanzeleke ukuba ubhengeze njengongenamali okanye otshonileyo ngenxa yokuba ungenandlela yakuhlawula. Ngesi sizathu, imigaqo-nkqubo yamatyala oluntu isetyenziselwa oku.

Ezi inshurensi zinceda i-inshurensi ukuba ibenoxanduva lokuphendula ngokwezemali kuwe. Ewe kunjalo, kuninzi kukho umda woxanduva, oko kuthetha ukuba, kugqithisiwe, kuya kufuneka unakekele okuseleyo.

Uyithenga njani i-inshurensi yetyala

Namhlanje baninzi i-inshurensi ababonelela ngemigaqo yolu hlobo, zombini ikhaya, imoto, isithuthuthu, izilwanyana zasekhaya ... ke uya kuba neendlela ezahlukeneyo onokukhetha kuzo. Ngoku, izindululo zethu zezi zilandelayo:

Ukuphonononga izindululo zeinshurensi ezahlukeneyo

Ngale ndlela awuyi kushiyeka wedwa xa ubona okokuqala kubonakala kulungile, kodwa kuya kufuneka ujonge ezinye iindlela zokuzilinganisela ngokuzolileyo.

Ngokusekwe kwiimfuno onazo, izixhobo zakho kunye nokusetyenziswa oya kukunika kona, unokukhetha enye okanye enye.

Yenza idinga nenkampani yeinshurensi

Inyathelo elilandelayo omele ukulithatha kukwenza idinga. Ngaba iya kukunceda ucacise imiba ethile ebalulekileyo, okanye ezivelise amathandabuzo, ukuze ingcali ikucebise ngaphambi kokuthatha inyathelo lokugqibela.

Cela idrafti yesivumelwano

Kuninzi lweinshurensi onakho bonelela ngesivumelwano oyidrafti ukuze ufunde ngocoselelo kwaye ungabuza nayiphi na imibuzo onayo. Ke unokuyihlalutya ngoxolo lwengqondo.

Sayina ikhontrakthi eqinisekileyo

Nje ukuba ubone ukuba yonke into ichanekile, lixesha lokuba usayine ikhontrakthi yokugqibela. Ewe sicebisa ukuba uyifunde kwakhona ukuze uqiniseke ukuba akukho lutshintsho ngomzuzu wokugqibela ngaphambi kokuba uyisayine.

Ngale ndlela, ukuba kukho into oyibonileyo, ungabacela ukuba bakuchazele, okanye baphelise ngokuthe ngqo ukuqesha.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
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