Izinqubomgomo Umshuwalense phesheya

Going eholidini, abanye izivakashi indiva noma umane ukhohlwa ukwenza umshwalense. Lokulungisiswa ezijwayeleke kakhulu ethi nje Akakwenzanga. Ngenxa yalokhu, izinkampani zomshuwalense sebeqalile ukukuqaphela izinyathelo kuqala ukuthuthukiswa isikhala Inthanethi, ukunikela amaklayenti ayo ukukhipha umshwalense ngaphandle kokushiya ekhaya. Manje umshwalense izivakashi makismalnaya zitholakala.

E-US naseYurophu, lo mkhuba kade iminyaka eminingi, kodwa emakethe Russian inkampani yomshuwalense lokuqala ukukhipha inqubomgomo phesheya isibe inthanethi "Renaissance Insurance". Kanye "Tinkoff Credit Systems" isungule futhi waqalisa ubuchwepheshe esiyingqayizivele, sibonga ngalo inqubo yokubhaliswa umshwalense akuthathi imizuzu engaphezu kwemihlanu.

Enye inkampani, umshwalense ngoba phesheya okungase esikhishwe ku-inthanethi - eyaziwa Swiss umshwalense iqembu Zurich Insurance. Umlando wenkampani sihlehlela emuva 1872 futhi namuhla ingenye endala futhi abahlonishwa kakhulu izinkampani zomshuwalense emhlabeni. Namuhla Zurich ukhonza amakhasimende emazweni angaphezu kuka-170 emhlabeni wonke. Ngo eYurophu, eNyakatho Melika, e-Asia-Pacific naseLatin America, inkampani amahhovisi. Kuyinto elula kakhulu amakhasimende, ngoba cishe noma kuphi emhlabeni izivakashi ungathola on-line usizo kanye nezeluleko. abasebenzi yenkampani bakhuluma izilimi eziningi, kuhlanganise Russian.

Yiqiniso, lokhu izindaba ezinhle kakhulu izivakashi Russian. Bobabili izinkampani uhlonishwa futhi kungase kutholakale ngokwabo emakethe umshwalense. Kodwa iqiniso lokuthi angase inqubomgomo yomshuwalense esikhishwe emva kwamaminithi ambalwa ngesikhathi esilungele wena, unezela kuphela ukuthembeka kwabo, futhi abahambi - izindawo.

Manje, ngisho noma ukhohlwe ukukhipha inqubomgomo kusengaphambili, kukhona njalo ithuba ukwenza kanjalo, ngisho lapho siseholidini. Kodwa ungalindeli ukuthi ungenza inqubomgomo lapho umcimbi insured kwenzeka. Lapha edumile Russian "Mhlawumbe!" Ngeke kusize. Ipholisi yomshuwalense kumele akhishwe ngazo kusengaphambili.

Futhi ekugcineni, ezinye imithetho, ukuthi ungathola kanjani umshwalense, lokho akunjalo okoazalas eziwusizo:

• Lapho senza umshwalense ngoba phesheya, sinake ukuthi kukhona inqubomgomo yomshuwalense ingxenye ehlukile ukuhlinzeka zonke izindleko ezengeziwe elihlobene ne on-site ukuphathwa (esikhundleni amathikithi ukubuya, indawo eyengeziwe nokunye - e sluchaeneobhodimosti, isibonelo , impatho eside ekamelweni).
• Thola ukuthi likhona umshwalense kwezivakashi. Izinkampani ukunikeza ongakhetha eziningana umshwalense. Iphakheji eziyisisekelo lifanele lifake hlangana: ukunakekelwa eziphuthumayo endaweni yesehlakalo i icala umshwalense, inkokhelo ukwelashwa phesheya, ukukhokhelwa kwemithi kanye nemishini ekhethekile, umshuwalense wokuphila. Okuningi amaphakheji eziphambili kungafaka yokukhokha uma ukukhubazeka kanye nokubuyiselwa izindleko imishini ekhethekile, kanye ezokuthutha isisulu nomngane wakhe ekhaya.
• Ububanzi indawo inkampani yomshuwalense. Lapho senza inqubomgomo qiniseka ucacise ezweni lapho ufuna ukuya khona futhi qinisekisa ukuthi lolu lwazi singenelwe inkontileka. Uma uhambo lwakho kuhlanganisa ukuhambela emazweni amaningana, ucacise bonke.
• Thola inombolo yocingo, okuyinto kuyodingeka baxhumane uma kwenzeka isenzakalo kwesamba, kanye amakheli nezikhungo zezokwelapha, ngubani kungaxhunywana, hyperbaric emakamelweni amafoni, futhi okubaluleke - ukhokhe uma uma zonke izindleko zakho inkampani, uma kwenzeka okuthile kuleli indawo ethize. Futhi konke okudingayo ukuze ukwazi kusengaphambili uhambo.

Futhi okubaluleke - ukhumbule ukuthi uma uthenga umshwalense zabahamba, wenza izinkampani hhayi 'umxhasi' umshwalense, futhi uzivikele hassles futhi izindleko ezingalindelekile, okuyinto, njengoba nakho okungenhla kubonisa, ongafinyelela amashumi ngisho namakhulu ezinkulungwane zamaRandi.

Jabulela uhambo lwakho!