Lapho bethenga inqubomgomo yomshuwalense webhayisikili, abagibeli abaningi bahlangana negama elithinta ngqo i-premium kanye nenani lesicelo, i-IDV. Kodwa-ke, livame ukudidaniswa nokuthengiswa kabusha noma intengo yemakethe yebhayisikili.
Ukuqonda I-IDV kumshuwalense webhayisikili Kubalulekile ngoba kunquma ukuthi uthola isinxephezelo esingakanani uma ibhayisikili lakho lebiwe noma limenyezelwe njengokulahlekelwa okuphelele. Nakuba inani lemakethe libonisa lokho ibhayisikili lakho elingakuthengisa, i-IDV isebenzela injongo ehluke kakhulu ngaphakathi kwenqubomgomo yomshuwalense.
Iyini i-IDV kuMshuwalense Wezimoto Ezinezithuthuthu Ezimbili?
In umshwalense wezimoto ezinamasondo amabili, I-IDV imele Inani Elimenyezelwe Ngomshuwalense. Imelela inani eliphakeme kakhulu umshwalense avuma ukulikhokha uma ibhayisikili lonakele ngokuphelele ngendlela engenakulungiseka noma lebiwe. I-IDV kumshwalense webhayisikili ayikhethwa ngokungahleliwe. Ibalwa ngokusekelwe entengo ebhalwe phansi yomkhiqizi webhayisikili ngaphandle kokwehla kwenani.
Ukwehla kwenani lemoto kuyanda ngobudala bayo. Ibhayisikili elisha line-IDV ephezulu, kanti ibhayisikili elidala line-low. Abashuwalensi balandela ama-slab okwehla kwenani abekwe yimithethonqubo, egcina izibalo ze-IDV zihambisana kulo lonke imboni. Njengoba i-IDV ithinta ngqo izinkokhelo zesicelo, ithinta nephrimiyamu oyikhokhayo.
Iyini Inani Lemakethe Lebhayisikili
Inani lemakethe libhekisela entengo ibhayisikili lakho elingayithola uma ulithengisa emakethe evulekile. Leli nani lincike ezintweni ezifana nesidingo, isimo, ibanga, umbono womkhiqizo kanye nendawo. Ngokungafani ne-IDV, inani lemakethe alilinganiselwe futhi lingahluka kakhulu kumodeli efanayo.
Izinkampani zomshuwalense azisebenzisi inani lemakethe lapho zixazulula izimangalo ngoba zisekelwe kumuntu futhi kunzima ukuziqinisekisa. Esikhundleni salokho, i-IDV inikeza iphuzu eliqondile elibhalwe phansi kunqubomgomo futhi okuvunyelwene ngalo ngesikhathi sokuthenga noma sokuvuselela.
Umehluko Obalulekile Phakathi kwe-IDV kanye neNani Lemakethe
| Isisekelo Sokuqhathanisa | I-IDV (Inani Elimenyezelwe Ngomshwalense) | Inani leMakethe |
| Injongo | Isetshenziselwa ukubala umshwalense njengentengo yeprimiyamu kanye nezimangalo zokulahlekelwa okuphelele noma ukwebiwa | Kusetshenziselwa ukunquma intengo yokuthengisa kabusha noma yokushintshanisa ibhayisikili |
| Indlela yokubala | Kubalwa kusetshenziswa isakhiwo sokwehla kwenani okuhleliwe ngokusekelwe eminyakeni yebhayisikili | Kuyahlukahluka kuye ngesidingo, isimo, ibanga, uhlobo kanye nendawo |
| Ukuzinza | Kuhlala kuzinzile isikhathi sonke senqubomgomo | Ingashintsha njalo ngokusekelwe ezimweni zemakethe |
| Indima ekuxazululweni kwesicelo | Yakha umkhawulo wokukhokha ophezulu kakhulu wezimangalo zokulahlekelwa okuphelele noma ukwebiwa | Akanandima ekuxazululweni kwesicelo somshuwalense |
| Umthelela wezezimali | Kuthinta ngqo inani lephrimiyamu kanye nesinxephezelo sesicelo | Kuthinta kuphela intengo yokuthengisa yebhayisikili |
Kungani Kubalulekile Ukukhetha I-IDV Efanele
Ukukhetha i-IDV efanele kumshuwalense webhayisikili kuyisenzo sokulinganisela. Uma ukhetha i-IDV ephansi ukuze wehlise i-premium yakho, ungathola inkokhelo encane uma kwenzeka ukulahlekelwa okukhulu. Ngakolunye uhlangothi, ukukhetha i-IDV ephezulu ngokungadingekile kungandisa i-premium yakho ngaphandle kokunikeza inzuzo elinganayo.
Umshuwalense ongaphansi komshuwalense ungakushiya ubhekene negebe lezezimali, kuyilapho umshuwalense oweqile uholela ezindleleni eziphakeme ngaphandle kwenzuzo eyengeziwe. Abagibeli kufanele babuyekeze ubudala bamabhayisikili abo, isimo kanye nokusetshenziswa kwawo ngaphambi kokuphothula i-IDV ngesikhathi sokuthenga noma ukuvuselela inqubomgomo.
Khetha i-IDV eguquguqukayo nefanele nge-TATA AIG
Ukuqonda umehluko phakathi kwe-IDV kanye nenani lemakethe kusiza abagibeli ukuthi benze izinqumo zomshuwalense ezinolwazi. I-TATA AIG inikeza izindlela zokubala ze-IDV ezisobala ezilandela imihlahlandlela yokulawula ngenkathi ivumela ukuguquguquka ngaphakathi kwemingcele evunyelwe.
Ngombhalo wenqubomgomo ocacile kanye nemikhuba yokulinganisa eqondile, i-TATA AIG ivumela abanikazi bamabhayisikili ukuthi bakhethe i-IDV kumshwalense wamabhayisikili ohambisana nenani lemoto yabo kanye nokusetshenziswa kwayo. Le ndlela isekela izivumelwano zezicelo ezifanele futhi isiza abagibeli ukuphatha izindleko zabo zomshuwalense ngempumelelo esikhathini senqubomgomo.