Pakutenga inishuwarenzi yebhasikoro, vatyairi vazhinji vanowana izwi rinonyanya kukanganisa mari yeinishuwarenzi yebhasikoro uye mari yekukumbira, IDV. Asi, rinowanzo vhiringidzwa nemutengo wekutengesazve kana mutengo webhasikoro pamusika.
Understanding IDV muinishuwarenzi yebhasikoro Zvakakosha nekuti zvinosarudza kuti bhasikoro rako ringabiwa sei kana rikarasikirwa zvachose. Kunyange zvazvo kukosha kwemusika kuchiratidza kuti bhasikoro rako ringatengeswa nei, IDV ine chinangwa chakasiyana zvikuru mukati meinishuwarenzi.
Chii chinonzi IDV muInishuwarenzi yeMavhiri maviri?
In inishuwarenzi yemotokari ine mavhiri maviri, IDV inomiririra Insured Declared Value. Inomiririra mari yepamusoro iyo inishuwarenzi inobvuma kubhadhara kana bhasikoro rikakuvara zvachose zvekuti haringagadzirisike kana kubiwa. IDV muinishuwarenzi yebhasikoro haisarudzwe nemazvo. Inoverengerwa zvichienderana nemutengo wakanyorwa nemugadziri webhasikoro kubvisa kudzikira kwemutengo.
Kuderera kwemutengo wemotokari kunowedzera nekukura kwayo. Bhasikoro idzva rine IDV yakakwira, nepo bhasikoro rekare rine yakaderera. Makambani einishuwarenzi anotevedzera slabs dzekuderera kwemutengo dzakatarwa nemitemo, iyo inochengetedza kuverenga kweIDV kwakafanana muindasitiri yese. Sezvo IDV ichikanganisa zvakananga muripo wechikwereti, inokanganisawo mari yaunobhadhara.
Chii chinonzi kukosha kwebhasikoro pamusika
Kukosha kwemusika kunoreva mutengo waungatenga bhasikoro rako kana ukaritengesa pamusika wakavhurika. Kukosha uku kunoenderana nezvinhu zvakaita sekudiwa, mamiriro aro, makiromita aro, maonero erudzi rwaro uye kunyange nzvimbo yaro. Kusiyana neIDV, kukosha kwemusika hakuna kuenzana uye kunogona kusiyana zvakanyanya kune modhi imwe chete.
Makambani einishuwarenzi haashandisi kukosha kwemusika pakugadzirisa zvichemo nekuti zvinongoenderana nepfungwa dzavo uye zvakaoma kusimbisa. Pane kudaro, IDV inopa nzvimbo yakatarwa yakanyorwa mupolicy uye yakabvumiranwa panguva yekutenga kana kuvandudza.
Musiyano Mukuru Pakati peIDV neKukosha kweMusika
| Hwaro hwekuenzanisa | IDV (Kukosha Kwakaziviswa Neinishuwarenzi) | Market Value |
| chinangwa | Inoshandiswa pakuverenga inishuwarenzi dzakadai semitengo yepamusoro uye zvichemo zvekurasikirwa zvachose kana kuba | Inoshandiswa kuona mutengo wekutengeswazve kana wekutsinhana bhasikoro |
| Nzira yekuverenga | Kuverengwa uchishandisa chimiro chekudzikira kwemutengo chakagadzirwa zvichienderana nezera rebhasikoro | Zvinosiyana zvichienderana nekudiwa, mamiriro, makiromita, rudzi uye nzvimbo |
| Kuramba | Inoramba yakagadzika kwenguva yese yepolicy | Zvinogona kuchinja kakawanda zvichienderana nemamiriro emusika |
| Basa mukugadzirisa chikumbiro | Inoita muganho wepamusoro wekubhadhara kwezvikumbiro zvekurasikirwa zvachose kana kuba | Haana basa mukugadzirisa zvichemo zveinishuwarenzi |
| Kukanganisa kwemari | Inokanganisa zvakananga mari yeprimiyamu uye muripo wechikumbiro | Inokanganisa chete mutengo wekutengesa bhasikoro |
Sei Kusarudza IDV Yakakodzera Kuchikosha?
Kusarudza IDV yakakodzera muinishuwarenzi yebhasikoro inzira yekuenzanisa. Kana ukasarudza IDV yakaderera kuti uderedze mari yako yemubhadharo, unogona kuwana mubhadharo mudiki kana ukarasikirwa zvakanyanya. Kune rumwe rutivi, kusarudza IDV yakakwira zvisingadikanwi kunogona kuwedzera mari yako yemubhadharo pasina kupa rubatsiro rwakaenzana.
Inishuwarenzi isina muripo inogona kukusiya usina mari, nepo inishuwarenzi yakawandisa ichikonzera mitengo yakakwira pasina mukana wekuwedzera. Vatyairi vemabhasikoro vanofanira kuongorora zera ravo, mamiriro avo uye mashandisirwo avo vasati vapedzisa IDV panguva yekutenga kana kuvandudza inshuwarenzi.
Sarudza IDV Inochinjika uye Yakarurama neTATA AIG
Kunzwisisa musiyano uripo pakati peIDV nemutengo wemusika kunobatsira vatyairi kuti vasarudze inishuwarenzi neruzivo. TATA AIG inopa nzira dzekuverenga IDV dzakajeka dzinotevedzera mitemo yepamutemo uku ichibvumira kuchinjika mukati memiganhu inobvumirwa.
Nemagwaro akajeka emutemo uye maitiro akajeka ekuyera mutengo, TATA AIG inogonesa varidzi vemabhasikoro kusarudza IDV muinishuwarenzi yemabhasikoro inoenderana nekukosha kwemotokari yavo uye mashandisirwo ayo. Nzira iyi inotsigira kubhadharwa kwezvikumbiro zvakanaka uye inobatsira vatasvi kutarisira mari yavo yeinishuwarenzi zvinobudirira mukati menguva yemutemo.