Insurable kufarira inishuwarenzi

Nokuti chero Chibvumirano zvakakodzera kuti okupedzisira migumisiro chibvumirano kugutsa wekuongorora. Insurable kufarira ndizvo kuti vabudirire runodiwa nzwisisa. The insured munhu kungotaura anonzwisisa kuti chiitiko pakaita dambudziko iri insurer ari kubhadhara yakabvuma muripo zvemari kunodiwa. Sei chinhu insurable kufarira inishuwarenzi uye kuti rinoti nezvomutemo?

Tsananguro chekutanga insurable mubereko

Yokutanga dzidziso pamusoro zvinongoitika zvoga inishuwarenzi zvido yakagadzirwa muEngland. Saka, Judge Lawrence anosarudza kuti pane insurable kufarira, kana pane mamiriro ezvinhu chokuita nenyaya mubereko, izvo zvinogona kushandura chinhu kana ayo ehupfumi. Inishuwarenzi akagadzirirwa kurerutsa zvakakanganiswa nemamiriro ezvinhu, uye kupa akuvara munhu muripo. Saka, kana hapana mamiriro ezvinhu kuti zvingaita zvechadenga insured chinhu, uye ipapo hapana insurable kufarira.

The venguva Dzidziso mutemo inishuwarenzi

Simply pfungwa kwakunoitwa dzekare dzidziso mutemo inishuwarenzi, uye ndeye rinozivikanwa Nezveupfumi Ehrenberg. Anodana ane insurable kufarira interconnected ukama nemhaka iyo kunofambidzana munhu anogona kurasikirwa zvokunyama. Kune dzimwe tsanangudzo asi kazhinji, vanoratidza pfungwa yakafanana: hapana chibvumirano inishuwarenzi, kana pasina kufarira chibvumirano chakadaro. We kugumisa kuti kufarira makambani inishuwarenzi ndiko kuti nyaya inishuwarenzi pachinhu insured zvikomborero rega. Nokuti insured munhu, kufarira ichi hachisi saka raidudzwa, uye riri sezvinotevera:

• kana insured chiitiko kunoitika, zvichava kuripirwa muripo;
• kana insured chiitiko hakuitiki, icharamba izvi kana kuti zvakanaka.

Meaning of insurable mubereko

mutemo The inishuwarenzi akawedzera tsananguro inotevera insurable mubereko:

• Iye anenge ari musimboti kudzivirira zvemari pamusoro nezvinoitika ezvinhu.
• Anosarudza zvose chinokosha chiri kuita inishuwarenzi. Pakati pavo - pachake chinangwa inishuwarenzi, pasi akafanana, kuita uye basa vemapato.

Pakazosvika apa, zvinofanira akawedzera kuti chinhu insurable kufarira anosarudza kufadza huwandu muripo uko mutemo anaro kuverenga.

Ungazviita sei?

Kudzivirira zvido inishuwarenzi kuripa nokuti zvinhu nengozi kuti ungatarisana nedambudziko chinhu inishuwarenzi, pashure iyo zvachiri achinje. Somuenzaniso, inishuwarenzi motokari kambani Chikomo inishuwarenzi anosungirwa kubhadhara Nokurasikirwa chakakonzerwa namaneja motokari somugumisiro yenjodzi, njodzi, motokari tsaona, kuba kana kuparadzwa. Heuno insurable kufarira, chokwadi, motokari: yayo akachengeteka uye zvakanaka kufarira zvose vechikamu kutengeserana - uye muridzi motokari uye boka inishuwarenzi. Pamusoro pavo taitamba ezvinhu. Kana ezvinhu handishanduki zvinoitwa mumotokari kusvikira pakuguma musi mutemo, mativi maviri anogona kufema nyore. Asi kana motokari yakabiwa kana kuparadzwa, ipapo inishuwarenzi achadzivirira zvinodiwa muridzi motokari, mari kubhadhara nokuda kurasikirwa motokari.

Insurers uye mbavha

Zvinosuruvarisa, kwete nguva dzose zvinodiwa varidzi uye insurers zvinobvumirana padariro kusaina mutemo. Zvakawanda zviitiko inishuwarenzi kubiridzira kumanikidzwa insurers kutsvaka dzimwe nzira kuti kuitisa mabasa ayo. Somuenzaniso, munguva pfupi ichangopfuura chokusanangurira mapoka inishuwarenzi pamusoro nokuramba kutengesa inishuwarenzi policies CTP kwakakonzerwa nezvaiitwa avtoyuristov, uyo akashanda fraudsters. Kuronga nyepera tsaona, vari pumped kuburikidza kumatare mari zvikuru kubva makambani inishuwarenzi kuti kunyange vakarega basa zvimwe dzeRussia. Zvakatora akatevedzana yeUnited-pamwero matanho ekudzivirira Nokurasikirwa chakakonzerwa namaneja makambani inishuwarenzi. Saka hazvishamisi kuti insurers vanoedza nepavanogona napo kudzivirira zvavanoda uye kuti chinangwa ichi, zvose bvumidzwa nzira.

insurers mazano

Achitendeukira kambani inishuwarenzi yacho (IC) nokuda kwokuripirwa zvemitemo, mitemo pedhi rinowanzoshandiswa kungori nomutemo nemakambani akawanda anonyengera inishuwarenzi. A klassiske nyaya zvisiri (kuti akariisa zvinyoronyoro) nomufambiro UK vamiririri vaiva:

• Mukumbire kuti asaine mvumo muripo pasina ongororo. Agamuchira 1/10 uwandu akumbira, munhu anoenda kudare, uko kunoratidzwa ake kubvumirana. In kukurukura nyaya, dare maererano rotsva.
• Mukumbire kuti aongorore dzaparadzwa pfuma iri UK nyanzvi. Kazhinji, "vakakwezvwa" nyanzvi vanopa kurerutswa chaizvo uwandu kukuvara. By kusaina kuti gwaro kuongororwa, munhu anobvuma kuti yaibva paltry Nemutengo dzinounzwa ne kambani inishuwarenzi. Dare achafanira sarega kugutsikana pamusoro vanoti, sepakutanga akabvumirana munhu asati chikwama zvinoparadza. Akazvisimbisira ake mvumo siginicha.
• Munhu wacho ari tsaona "netsaona" atora yepakutanga ziviso yacho tsaona pasina kuita kopi. The chepakutanga wakarasika, uye akuvara haagoni kugamuchira muripo nokuda kwokushayiwa gwaro iri.
• Achibudisa mashoko pamusoro tsaona, munhu akanga akamirira kuripwa mishomanana. Panguva ino, wakagadzira motokari. The muripo chakarambwa, nokuti vamiririri UK vakawana pokumuwanira kushandisa kuti muripo kure Hadzisi. Photos kubva panzvimbo mugwagwa kutsika, ukama motokari uye ziviso petsaona panguva muridzi motokari asingarambi.
• Pasi Hull, kuti insurer asingachengeti aripire kurasikirwa engoro, yakapiwa kuti dzimwe nhengo motokari havasi sousingabatsiri. Kana munhu anoda kubetserwa asingagari ndizivise pakunyorera kumapurisa uye kambani yacho inishuwarenzi kuti motokari yake vakanga vatambura kukuvara, kubhadhara Hull ucharambwa.

How kudzivirira zvavanoda

Izvi chete chiduku chikamu anonyengera nako kutarisana vawirwa apo aireva boka inishuwarenzi. Kana iwe uri chivimbo achakwanisa kudzivirira kodzero dzavo, uye vanoda kupedza nguva uye mari - noushingi kuhondo. The zororo inokurudzirwa zvakasimba kutsvaka rubatsiro mutemo yakasimba uye kumiririrwa zvido inishuwarenzi mutariri the nyanzvi.

Lawyers nemakambani inishuwarenzi

Anomirira zvido kambani yacho inishuwarenzi kare kuva basa chinokosha. Kazhinji, munhu asina kutamba chero basa - huru vatambi ndivo vamiririri akuvara (avtoyuristy) uye insurer wacho nevamiririri. Anomirira zvido makambani ari inishuwarenzi - specialization vazhinji pamutemo mahofisi. yavose vaviri kwazvo kunzwisisa mitemo inishuwarenzi uye vanokwanisa kurwa pane yakaenzana mazwi ari mudare.

Lawyers vanokwanisa kuita zvakarurama matanho Maitiro kuronga yakazvimirira kuongororwa uye achadzivirira kufarirwa inishuwarenzi kuti muridzi motokari mudare. Mari mabasa ounyanzvi zvizere ndanyarara hangu nemari otsuzhennye kambani inishuwarenzi. Kuti magweta vakatora mufambiro yacho, ngaateme ane simba gweta. Zvinofarirwa kambani yacho inishuwarenzi kudzivirira pacharo, zvakanaka, munhu anofanira kuva nechokwadi chokuti tichibatsirwa negweta, iye kunodiwa kugamuchira mari chikwereti kwaari.