Yintoni hlobo? - impendulo ifumaneka uphawu and Insurance

Ngoku amazwi amaninzi amazwe kusiba yinxalenye Lexicon yethu. One of them - hlobo. Nje kwiminyaka embalwa edlulileyo, lo gama basebenza kuphela ishishini "phambili", kodwa ngoku lijongene nawuphi na umrhwebi ofuna ukuphucula impilo yabo.

Ukuze lo mbuzo, "Yintoni na isibalo" unokuphendulwa, oko - isithuba ezoqoqosho, leyo ibhekisela:

- yinxalenye ilahleko umntu eqinisekisa ipropati;

- unelungelo ukuya hlobo;

- ukudalwa inkampani qho hlobo.

Kwinxalenye yokuqala kwenkcazelo hlobo kuthetha ilahleko abantu inshorensi mhlaba, nto leyo ayibuyiswa yi kwinkampani ye-inshorensi phantsi ngokwemiqathango yesivumelwano.

Kwinkcazelo yesibini kwekota sicacisa ilungelo ukuseka amashishini ukwenza iimveliso iqabane zorhwebo.

Ixabiso sesithathu - ekudaleni amashishini ngokusekelwe lwegama. Ngokomzekelo, njengoko iivenkile of yemiyinge abaziwayo of izithambiso kunye nempahla.

Ngoko ke, yintoni hlobo? Ngamagama alula, yinto uhlobo ukuqesha lophawu okanye imveliso, kwakunye nokusetyenziswa kwimisebenzi yabo inkqubo ekhoyo yoshishino. Owasungula le nalo ilungelo ithathwa i "McDonald kaThixo". Eneneni, ngenxa abanzi kuthengisa franchise yayo ehlabathini lonke abazalwana McDonald kunye ukutya fast ziye kakhulu zithandwa.

Itsalelwa - ntoni na, luyaziqonda phantse wonke umntu xa isicelo kwinkampani ye-inshorensi. I insurer uthi nalo ilungelo njengokuba ukukhululwa inkampani kwakhe izibophelelo tyala leyo musa igqithe ubukhulu lusekiwe. Kulo mzekelo, ixabiso enemiqathango kunye kwemibandela ezahlukeneyo.

Yintoni na le-inshorensi itsalelwa, oko kuboniswa ngokucacileyo gqitha umzekelo. Ngoko ke, abantu zithethwa i-inshorensi imoto entsha. A isixa esiqingqiweyo amawaka 5 eerandi. Ke ukukhetha inshorensi ngokuvumelana "ubusela + umonakalo" inshorensi kuza kufuneka ahlawule $ 400. Inkampani yeinshorensi inika ukwenza kulo itsalelwa of $ 100, kwaye umntu ukuba ahlawule i-inshorensi $ 400, yaye 380. Ngexesha yobhaliso i-inshorensi, olu khetho ngokuqinisekileyo kuyingenelo. Kodwa kukho ngomahluko xa kuthe lwesiganeko inshorensi.

Ngokomzekelo, kwakukho imikrwelo ezincinane kwi umatshini okanye okuphambili eyaphukileyo. Kusukela inani umonakalo ingadluli indleko itsalelwa ($ 100), ukulungiswa eyenziwe umnini ngeendleko zakhe. Nge ezingephi breakdowns, kunokwenzeka kwaye kulula ukuba isibalo ethile. Ngaloo ndlela, umntu ukhawulelwa egaraji, apho abekuyo ixesha elifutshane xesha, susa zonke iimpazamo ezincinane. Kungenjalo umele ukuba waba ixesha elide ukwabelana transactions ezifanelekileyo kunye kwinkampani ye-inshorensi de uhlawule umonakalo isixa semali ekuvunyelwene.

Ukuba ilahleko yaba $ 120, inkampani ye-inshorensi iya kuhlawula-20 kuphela kubo. Kodwa xa siqwalasela imali yamaphepha eziyimfuneko $ 100, abanini moto ngenxa imali encinane elolo hlobo akuthethi ukunxibelelana ne-inshorensi yaye zonke iindleko.

Kwimeko apho imeko umonakalo kakhulu Kuthi ezahlukeneyo. Kuba lilungiswe ukulungisa imoto auto invoyisi kwinkampani ye-inshorensi, nokuba, nayo, uhlawula $ 100 bill ngaphantsi. Ezi mali olungekho kufuneka wazise umnini imoto. Kule meko abaphumeleleyo kuphela inkampani yeinshorensi.

Le isibalo echazwe ngasentla luphawulwa njenge kwemibandela. Olu hlobo lo eqhelekileyo kakhulu kwaye inikelwa yi insurer.

Yintoni hlobo, loo nto ibonisa indlela oganogram izibalo zalo. Ngoko ke, ukuba ilahleko isehlakalo benefits abazange ngaphezulu kwixabiso, ezi ndleko ziyakuhlawulwa ngumnini imoto. Ukuba isixa umonakalo phezu nalo ilungelo (nokuba kancinane kuphela), inkampani ye-inshorensi iza kumhlawula nawe ngokupheleleyo. Olu hlobo ngcono ngenxa zeinshorensi, kodwa iinkampani ze-inshorensi idini inqabile kakhulu.

Ngenxa yoko, kweli nqaku sele unikwa inkcazelo "yintoni na isibalo" udwelisa iintlobo zalo neendlela kwesicelo.