Kubviswa kwekondirakiti yeinishuwarenzi chibvumirano neinishuwarenzi

Kazhinji, kontrakiti yeinishuwarenzi inogumiswa neanopihwa inshuwarisi. Izvi zvinowanzoitika nekuti akawana dhiri iri nani neimwe inshurensi kana kutengesa mavhiri maviri ake. Asi dzimwe nguva zvinhu hazvishande saizvozvo. Kubviswa kwechibvumirano cheinishuwarenzi yemudhudhudhu kunogona zvakare kukumbirwa uye kuitwa neinishuwarenzi pachayo.

Muzviitiko zvipi zvingaita inishuwarenzi kumisa kontrakiti yeinishuwarenzi yemudhudhudhu? Mumamiriro ezvinhu api kontrakiti inogona kumiswa? Chii chekuita mumamiriro ezvinhu akadaro? Ndeipi mhedzisiro kune inshuwarisi kana inishuwarenzi ikamiswa? Tichapindura mibvunzo yako yese pamusoro kugumiswa kwechibvumirano cheinishuwarenzi yemudhudhudhu nemuitisi.

Kubviswa kweinishuwarenzi neinishuwarenzi: zvikonzero zvinogoneka

Kashoma kwazvo kuti inishuwarenzi inosarudza kumisa kontrakiti yeinishuwarenzi yemudhudhudhu, ichiisunga kumutengi. Kana chibvumirano chikabudirira, makambani einishuwarenzi anoedza kuchengetedza vatengi vanowanwa. Asi mune mamwe mamiriro ezvinhu uye mune zvimwe zviitiko angave ane kodzero yekuita kudaro. Here rondedzero yezvikonzero zvinogoneka zvinogona kupa chikonzero chekugumiswa kweinishuwarenzi yemudhudhudhu neinishuwarenzi.

Kumiswa kwekondirakiti yeinishuwarenzi yemudhudhudhu pakapera nguva yayo yekushanda

Un Kondirakiti yeinishuwarenzi yemavhiri maviri inopedzwa kweimwe nguva. Mavhiki mashoma zuva risati rasvika, iwe uchagamuchira hurongwa hutsva uye kuvandudzwa kunenge kwakanyarara kunze kwekunge mumwe wemapato, ane inishuwarenzi kana inishuwarenzi, afunga kugumisa unilaterally chibvumirano ichi.

Pakupera kwechibvumirano, kugumisa kunobvira kune vese inshurensi uye inshuwarisi. Mune mamwe mazwi, kana kontrakiti yasvika kumagumo, uyo anochengeterwa inishuwarenzi angasarudza kusaivandudza nekutumira tsamba yekugumisa. Iyi ikodzerowo yemuiti weinishuwarenzi. Uye izvi pasina chikonzero chekururamisa kana chikonzero chakanaka.

L 'inishuwarenzi ichakutumira tsamba mukati menguva yakatarwa achikuudza kuti afunga kusamutsiridza inishuwarenzi yako yemavhiri maviri obva akuudza kuti tsvaga kambani yeinishuwarenzi itsva.

Kugumiswa kwekondirakiti yeinishuwarenzi yemudhudhudhu yekusabhadhara

Kana iri chibvumirano chakanaka, inshurensi inogona kuda kubviswa kweinishuwarenzi kana iyo inshuwarisi ikakundikana kuzadzisa zvisungo zvayo. Tiri kutaura kunyanya pamusoro kusabhadhara zvikwereti.

Mune mamwe mazwi, kana inshuwarisi isingabhadhare mubhadharo wake, inshuwarisi anofanira kutumira chiyeuchidzo chekubhadhara mazuva gumi mushure mezuva rakarongwa, pamwe chete nechiziviso chekubhadhara chepamutemo mukati memazuva makumi matatu. Kana kubhadhara kusati kwaitwa mushure meizvi, anogona kugumisa zviri pamutemo chibvumirano.

Nokudaro, zvakakosha kune avo vane insured: tevedza zvirevo zvekubhadhara zvakatarwa mukondirakiti yeinishuwarenzi yemudhudhudhu kuti arambe achivimba naye. Mumamiriro ezvinhu ematambudziko emari, zvakakosha kuonana neinishuwarenzi kuitira kuti uwane hukama hwakanaka uye kuchengetedza hukama hwakanaka.

Kugumiswa kwechibvumirano cheinishuwarenzi yemudhudhudhu pakaitika tsaona

Kubviswa kweinishuwarenzi yemudhudhudhu neinshurensi zvakare zvinogoneka kana paita tsaona. Asi zvichienderana nemamiriro ega ekuti clause inotaurwa mumamiriro ekugumiswa anotsanangurwa muchibvumirano chakataurwa.

Nokudaro, kana munhu anoiswa inishuwarenzi akaonekwa kuti akadhakwa, ari pasi pesimba remushonga, kana kuti akaita mhosva inoguma nokumiswa kana kukanzurwa rezinesi rake; uye kuti zvirevo izvi zvakadzokororwa mumamiriro ezvinhu echibvumirano; iyo inshurensi ichava nekodzero yekugumisa kutora mukana wekurasikirwa uku. Anongoda kutumira uyo ane inishuwarenzi tsamba yakasimbiswa yekumisa achibvuma risiti yayo. Naizvozvo, kugumisa kuchaitika mushure memazuva gumi.

Zvakanaka kuziva: kana akadzima kontrakiti yeinishuwarenzi yemudhudhudhu, inshurensi inofanirwa dzosera mari yasara yenhengo, kubva pazuva rekutanga rekugumiswa kusvika pazuva rinowanzotarwa rekupera.

Kumiswa kwekondirakiti yeinishuwarenzi yemudhudhudhu nekuda kwekuzivisa kusina kunaka

Kugamuchirwa kwechibvumirano neinishuwarenzi zvakanyanya kunoenderana nekutaura kwemumiriri. Nokuti pahwaro hweruzivo urwu anoongorora njodzi yeinishuwarenzi, uye kana njodzi yacho ichigamuchirwa, anogona kuverenga huwandu hweinishuwarenzi.

Saka, maererano nezvinyorwa L113-8 uye L113-9 yeInishuwarenzi Code, inshuwarisi inogona zvinoda zviri pamutemo kugumiswa kwechibvumirano cheinishuwarenzi kana zvikaitika kuti insured:

• Akaita mashoko enhema.
• Mashoko akasiiwa nemaune.
• Mashoko asina kururama akapiwa.

Kana iyo inshurensi ikasarudza kusagumisa, ine sarudzo mbiri:

• Kana pasuru yacho yakawanikwa isati yaitwa, anogona kukumbira kuti mari yacho igadziriswe kuratidza njodzi chaiyo yakavharwa.
• Kana pasuru yacho yakawanikwa pashure pokunge yarasika, angabvisa mubhadharo mari yose yemitengo yeinishuwarenzi yaifanira kunge yakabhadharwa.

Muzviitiko zvese izvi, kana uyo ane inishuwarenzi akaramba, iyo inshurensi inogona kugumisa chibvumirano nekumutumira tsamba yakanyoreswa yekugumisa. Kugumiswa kuchaitika mazuva gumi gare gare. Uye ikoko achafanirawo kudzorera chikamu chasara, icho chisingazoshandiswi zuva rekukura risati rasvika.

Kugumiswa kwekondirakiti yeinishuwarenzi yemudhudhudhu apo njodzi dzinoshanduka

Zvinoenderana neChinyorwa L113-4 cheInishuwarenzi Code, inshuwarisi inogona zvakare kumisa chibvumirano zviri pamutemo kana ikaona izvozvo. mari yemupiro haienderane nenjodzi yakavharwa. Kana kana achitenda kuti njodzi iri kuwedzera, zvichiita kuti premium iripo ive isina kufanira. Kana mamiriro ezvinhu akachinja kune chikamu cheinishuwarenzi, iyo yekupedzisira inosungirwa kuzivisa insurer pamusoro peizvi mukati memazuva gumi nemashanu.

Uyu anogona kurudzira mhinduro mbiri :

• Rongedza premium yako sezvo njodzi yako inowedzera.
• Kuda kubviswa kwekondirakiti pakaitika kurambwa nemubati wepolicy.

Muchiitiko chekupedzisira, kana kugumisa kusati kwapera nguva, inshurensi ichadzorera mari yemutengo usina kushandiswa.

Nguva yekuzivisa kana ikamiswa neinsurer

Kana iyo inshuwarisi ichishuvira kumisa kontrakiti yeinishuwarenzi yemudhudhudhu painopera, inofanirwa: kuremekedza mwedzi miviri chiziviso. Mune mamwe mazwi, anofanira kuzivisa muridzi wepolicy nezvechinangwa chake mwedzi miviri isati yapera kondirakiti. Uye izvi zviri netsamba yakanyoreswa nemvumo yekugamuchira.

Muchiitiko chekugumiswa kwechibvumirano cheinishuwarenzi neinishuwarenzi mushure mekupera kwayo chiziviso hachidiwi kana chiri pamutemo. Kana achida kugumisa chibvumirano nekuda kwekusatevedzera zvisungo zveinishuwarenzi, chirevo chenhema, njodzi kana kuwedzera kwengozi, anofanira kungozivisa iyo inshuwarisi nekutumira tsamba yakanyoreswa nekubvuma kugamuchira. Ichatanga kushanda mumazuva gumi.

Chii chinonzi AGIRA faira?

FICP ndeyekubhenga izvo AGIRA kuita inishuwarenzi. Nepo FICP ichinyora kudzoserwa kwese kwechikwereti kumunhu, AGIRA inonyora kubviswa kweinishuwarenzi kwese kwakaitika. Mune mamwe mazwi, izvi faira ine runyorwa rwe "vakaipa" inshuwarisi.

UCHAITA, kana " Inishuwarenzi Risk Information Management Association ", ifaira rinorekodha zvirevo zvemunhu akapinda mudhudhudhu kana kondirakiti yeinishuwarenzi yemotokari ndokuzoimisa. Izvi zvinobvumira vatsigiri veinishuwarenzi kuti vatarise maitiro eanogona kupihwa inishuwarenzi uye kuongorora njodzi yavanoisa. Pakupedzisa kondirakiti yeinishuwarenzi, izvi zvakare zvinoita kuti zvikwanise kufungidzira huwandu hweiyo premium.

Naizvozvo, kana wakadzima inishuwarenzi yako yemudhudhudhu kana kana yakadzimwa neinishuwarenzi yako, iwe uchanyorerwa kuAGIRA faira. Uye ruzivo rwese nezvewe: chitupa, inshuwarisi, ruzivo rwezvibvumirano zvekare, ruzivo rwemotokari ine inishuwarenzi, nhoroondo uye zvikonzero zvekugumiswa, bhonasi-malus, zvichemo zvine chekuita, nezvimwe zvichachengetwa ipapo kwemakore maviri kusvika mashanu, zvichienderana nechikonzero. yekubvisa .

Le Iyo AGIRA faira ine zvakakosha zvakanyanya kune avo vane mapolicy vari pafaira. mune ino yekupedzisira. Iyo yekupedzisira icharambwa nemakambani mazhinji einishuwarenzi, uye kana zvisina kudaro, mitengo inopihwa ichave yakanyanya kukwirira kupfuura mitengo yeinishuwarenzi isina kunyorwa nekuda kwenjodzi dzinoitika.

Inishuwarenzi yemudhudhudhu yakabviswa neinishuwarenzi yako: zvekuita?

Kana wako inishuwarenzi akafunga kudzima kontrakiti yako yeinishuwarenzi yemudhudhudhu, une sarudzo mbiri dzinowanikwa kwauri:

Uri kupikisa kupera kwechibvumirano

Munyaya iyi unofanira taurirana nemuitisi weinishuwarenzi uye umukumbire kuti afunge nezve chinzvimbo chake. Kana akasarudza kurega nokuti hauna kubhadhara mari yako nenguva, edza kudzivirira mamiriro ako ezvinhu. Ita nyaya yako uye zvipire kuzadzisa zvaunosungirwa.

Kana akafunga kukudzima nekuda kwemashoko enhema kana nekuda kwekuwedzera kwengozi, edza kutsvaga nzira zvakare. Kana inishuwarenzi yako ichipa kugadzirisa yako premium, kana zvichibvira, igamuchire. Chero zvazvingava, vamwe vadyidzani vangangokupa mamiriro akafanana uye huwandu hwenjodzi dzakafanana.

Unobvuma kumiswa

Iwe unogona zvakare kubvumirana kumisa. Asi iwe unofanirwa kuziva kuti chisarudzo ichi chinogona kuva nemigumisiro yakakomba. Kutanga, iwe uchafanirwa kukurumidza kutsvaga imwe inshurensi. Nekuti kumisa kunotora mazuva gumi mushure mekugamuchira tsamba yekugumisa. Naizvozvo, iwe unofanirwa kutsvaga yekutsiva zuva iri risati rasvika kuti uenderere mberi nekushandisa mudhudhudhu.

Uye muchikamu chechipiri iwe uchada ita kuti inshuwarisi itsva igamuchire kubhadhara kwako. Icho chokwadi chekuti inishuwarenzi yako yafunga kumisa kontrakiti yako haizoendirwe zvakanaka. Izvi zvicharekodhwa pafaira neAGIRA uye zvichaonekwa kune chero kambani yaunobata. Vazhinji vavo vanozeza kana kuramba kusaina kondirakiti newe. Uye vamwe vachadaro, asi mukutsinhana nemari yepamusoro yenhengo.

Chero zvazvingava, chero sarudzo yako, usambofa wakachovha mudhudhudhu usina inishuwarenzi.

Nzira yekuwana inishuwarenzi mushure mekugumiswa kwechibvumirano neinshurensi?

Iwe uchanzwisisa kuti zvichave zvakaoma kuita inishuwarenzi mushure mekupera kwechibvumirano neinshurensi. Kana usina kukwanisa kusaina kondirakiti itsva neimwe kambani, une mhinduro mbiri:

• Iwe unobata kambani yeinishuwarenzi yakasarudzika. Mamwe mainishuwarenzi anopa inishuwarenzi yemudhudhudhu zvakananga kune vanhu vakamiswa neinishuwarenzi yavo kana vane nhoroondo yakakosha yekurasikirwa. Ehe, maprimiyamu ako einishuwarenzi angangove akakwira, asi zvirinani iwe unenge uine inishuwarenzi uye unokwanisa kuchovha mudhudhudhu wako. Nzira iri nyore yekuwana inshurensi yemudhudhudhu nyowani ndeye kushandisa inishuwarenzi comparator senge lecomparateurassurance.com.
• Iwe unobata Central Price Bureau kana BCT. Iri isangano rinoita semurevereri pakati pako nemakambani einishuwarenzi. Achaita chokwadi chekuwana inshurensi yaachazoisa mari yacho. Uye kuburikidza nekupedzisira, kambani iyi inosungirwa kukuvhara.