Xa bethenga ipolisi yeinshurensi yebhayisekile, abakhweli abaninzi bafumana igama elichaphazela ngokuthe ngqo iprimiyamu kunye nesixa sebango, i-IDV. Sekunjalo, idla ngokubhidaniswa nexabiso lokuthengisa kwakhona okanye lemarike yebhayisekile.
ukuqonda I-IDV kwi-inshurensi yeebhayisekile Kubalulekile kuba kugqiba ukuba ufumana malini imbuyekezo ukuba ibhayisekile yakho ibiwe okanye ibhengezwe njengelahleko iyonke. Nangona ixabiso lemarike libonisa oko ibhayisekile yakho inokuthengiswa ngako, i-IDV isebenzela injongo eyahlukileyo kakhulu kwipolisi yeinshorensi.
Yintoni i-IDV kwi-inshurensi yamavili amabini?
In i-inshurensi yemoto enamavili amabini, I-IDV imele ixabiso eliqinisekisiweyo eliqinisekisiweyo. Imele isixa esiphezulu esivunywa yi-inshorensi ukuba ibhayisekile yonakele ngokupheleleyo kangangokuba ayilungiswanga okanye ibiwe. I-IDV kwi-inshorensi yebhayisekile ayikhethwa ngokungacwangciswanga. Ibalwa ngokusekelwe kwixabiso elidwelisiweyo lomenzi webhayisekile ngaphandle kokwehla kwexabiso.
Ukwehla kwexabiso kuyanda ngokukhula kwesithuthi. Ibhayisekile entsha ine-IDV ephezulu, ngelixa ibhayisekile endala ine-low. Abanini bomshuwalense balandela iislabhu zokwehla kwexabiso ezichazwe yimigaqo, ezigcina ubalo lwe-IDV luhambelana kulo lonke eli shishini. Ekubeni i-IDV ichaphazela ngokuthe ngqo iintlawulo zebango, ikwachaphazela neprimiyamu oyihlawulayo.
Lithini ixabiso leMarike yeBhayisikile
Ixabiso lemarike libhekisa kwixabiso elinokufumaneka ngebhayisekile yakho ukuba uyithengise kwimarike evulekileyo. Eli xabiso lixhomekeke kwizinto ezifana nemfuno, imeko, ikhilomitha, indlela ebonwa ngayo uphawu kunye nendawo. Ngokungafaniyo ne-IDV, ixabiso lemarike alilinganiswe kwaye linokwahluka kakhulu kwimodeli efanayo.
Iinkampani zeinshorensi azisebenzisi ixabiso lemarike xa zilungisa amabango kuba lixhomekeke kuluvo lwazo kwaye kunzima ukuliqinisekisa. Endaweni yoko, i-IDV ibonelela ngendawo yokubhekisa esisigxina ebhalwe kwipolisi kwaye kuvunyelwene ngayo ngexesha lokuthenga okanye lokuhlaziya.
Umahluko oPhambili phakathi kwe-IDV kunye nexabiso leMarike
| Isiseko Sothelekiso | I-IDV (Ixabiso Eliqinisekisiweyo Eliqinisekisiweyo) | Ixabiso leMarike |
| Injongo | Isetyenziselwa ukubala i-inshorensi efana namaxabiso eprimiyamu kunye namabango elahleko iyonke okanye ubusela | Isetyenziselwa ukumisela ixabiso lokuthengisa kwakhona okanye lokutshintshiselana ngebhayisekile |
| Indlela yokubala | Kubalwa kusetyenziswa isakhiwo sokuhla kwexabiso esisisigxina esisekelwe kubudala bebhayisekile | Iyahluka ngokuxhomekeke kwimfuno, imeko, imayile, uphawu kunye nendawo |
| Uzinzo | Ihlala ihleli ixesha lonke lepolisi | Ingatshintsha rhoqo ngokusekelwe kwiimeko zemarike |
| Indima ekusombululeni ibango | Yenza umda ophezulu wokuhlawula amabango okulahleka okupheleleyo okanye ubusela | Akanandima kwisivumelwano sebango le-inshorensi |
| Impembelelo yemali | Ichaphazela ngokuthe ngqo isixa seprimiyamu kunye nembuyekezo yebango | Ichaphazela kuphela ixabiso lokuthengisa lebhayisekile |
Kutheni Kubalulekile Ukukhetha i-IDV Efanelekileyo
Ukukhetha i-IDV efanelekileyo kwi-inshurensi yebhayisekile sisenzo sokulinganisela. Ukuba ukhetha i-IDV ephantsi ukuze unciphise iprimiyamu yakho, unokufumana intlawulo encinci xa kukho ilahleko enkulu. Kwelinye icala, ukukhetha i-IDV ephezulu ngokungeyomfuneko kunokunyusa iprimiyamu yakho ngaphandle kokubonelela ngenzuzo elinganayo.
I-Underinsurance ingakushiya unesikhewu sezemali, ngelixa i-overinsurance ikhokelela kwiindleko eziphezulu ngaphandle kwenzuzo eyongezelelweyo. Abakhweli kufuneka bahlole ubudala beebhayisekile zabo, imeko kunye nokusetyenziswa kwazo ngaphambi kokuba bagqibezele i-IDV ngexesha lokuthenga okanye ukuhlaziya ipolisi.
Khetha i-IDV eguquguqukayo nechanekileyo ene-TATA AIG
Ukuqonda umahluko phakathi kwe-IDV kunye nexabiso lemarike kunceda abakhweli ukuba benze izigqibo zomshuwalense ezinolwazi. I-TATA AIG inikezela ngeendlela zokubala ze-IDV ezicacileyo ezilandela izikhokelo zomthetho ngelixa zivumela ukuguquguquka ngaphakathi kwemida evumelekileyo.
Ngoxwebhu olucacileyo lomgaqo-nkqubo kunye neendlela ezilula zokuvavanya ixabiso, i-TATA AIG ivumela abanini beebhayisekile ukuba bakhethe i-IDV kwi-inshurensi yeebhayisekile ehambelana nexabiso lezithuthi zabo kunye nokusetyenziswa kwazo. Le ndlela ixhasa izivumelwano ezifanelekileyo zebango kwaye inceda abakhweli ukuba balawule iindleko zabo ze-inshurensi ngokufanelekileyo kwixesha lepolisi.