Ezweni lomshwalense namabhange, izinqubo zokuphatha nezimiso ziyinkimbinkimbi kakhulu. Ukuze ulondoloze amalungelo akho, kuyadingeka ukwazi zonke izinhlobo ezingenzeka zobulungu futhi kulesi sihloko, sizoba nesithakazelo kulungu. Owakamuva angase abe khona ebhange noma enkampanini yomshwalense futhi usenakho isimo esihlukile kuleso sekhasimende elilula, kodwa akayena umnikazi wamasheya. Eqinisweni, kuyathatha indawo emaphakathi phakathi kwakho kokubili, futhi ngalokho, kufanele uqonde ukuthi liyini ilungu.

Ngakho ithini incazelo yelungu? Uma ufuna ukwazi impendulo, sicela uqhubeke ufunda lesi sihloko!

Liyini ilungu?

Namuhla, kunezinhlobo eziningi zomshwalense, kungaba ezokuthutha, izindlu, impilo ngisho nezilwane. Ezinye ziyimpoqo, njengoba kunjalo ezindlini nasezimotweni, kanti ezinye ziyinketho.

Kunoma ikuphi, ukuthatha umshwalense can ukukulethela izinzuzo eziningi, ngoba uzozuza esinxephezelweni uma kwenzeka isicelo. Kufanele kuqashelwe ukuthi izinga lokubuyisela lincike esimweni senkontileka. Ungakhetha okunikezwayo okuyisisekelo, okumaphakathi noma okunobungozi bonke.

Kodwa-ke, ngaphambi kokukhetha uhlobo lwekhava yakho, kufanele wazi ukuthi kunezindlela ezimbalwa zokuzuza ezinsizeni zomshwalense. Kungenzeka ukubhalisa njengekhasimende elilula noma njengelungu.

Ilungu ngumuntu inenkontileka ethakasela kakhulu kunaleyo yeklayenti elilula futhi onesabelo enkampanini. Ube esenelungelo lokubamba iqhaza ekuthathweni kwezinqumo ngaphakathi kwale nkampani. Kufanele kuqashelwe ukuthi ilungu likhokha ikhava yalo njengekhasimende elilula. Kuphela inezinzuzo ezengeziwe.

Yiziphi izinzuzo zelungu?

Abadayisi bomshwalense abahlanganyeli banikeza inani elikhulu lezinzuzo kubabhalisi babo, okuhlanganisa nethuba lokuba ilungu.

Okokuqala, kufanele ukwazi lokho ilungu linelungelo lokuvota lapho uthatha izinqumo noma unquma isiqondiso senkampani; wonke amalungu anamavoti alinganayo, kungakhathaliseki inani lamasheya anawo.

Njengelungu, uzokwazi ukuthola imishwalense eminingi ekhethekile engatholakali kwamanye amalungu, okusho ukuthi uzozuza ngezaphulelo ezinkulu kanye nokwehliswa, ikakhulukazi ezinhlinzekweni zobungozi ezivame ukubiza kakhulu.

Umshwalense we-All-Risk noma we-premium uwukukhava ozohlomula ngakho esinxephezelweni esigcwele ngezindleko ezitholwe esimangalweni, kungakhathaliseki ukuthi sinjani. Ngesimo selungu, uzokwazi ukuzuza kulokhu kufakwa ngaphandle kokusebenzisa imali eningi.

Ngaphezu kwalokho, ilungu lithola iholo ekupheleni konyaka ngamunye elilingana nenani lamasheya alo, ngoba lingaphezu kwakho konke ukutshalwa kwezimali. Kodwa qaphela, ilungu akufanele lidideke nomnikazi wamasheya. Lona wakamuva uyilungu eliphelele futhi unamasheya hhayi amasheya. Kufanele kuqashelwe ukuthi izenzo zinomkhawulo futhi kuthatha isabelomali esikhulu kakhulu ukuzithenga.

Njengoba kuwutshalomali, inani lesabelo sakho, kanye neholo lakho liyahlukahluka kuye ngamapharamitha ambalwa.

Ungaba kanjani ilungu?

Uma ufuna ukuba yilungu, yazi ukuthi inqubo ilula kakhulu. Kufanele nje uye ejensi yomshwalense ohlanganyelwe ukuze wenze ukubhalisa kwakho. Kodwa-ke, ingxenye enzima kakhulu ukukhetha umshwalense. Ngempela, njengoba kunezinhlaka zomshwalense ezehlukene ezikhona namuhla, ngeke kube lula ukunquma ukuthi iyiphi ezokuvumela ukuthi wenze utshalomali oluphephile futhi olunenzuzo. Ukukusiza ukuthi ukhethe, nalu uhlu lwazo izinkampani zomshwalense ezihamba phambili ezihamba phambili:

Ukuphetha, isimo selungu singakulethela izinzuzo ezihlukahlukene ngaphakathi kwenkampani yomshwalense ehlangene futhi ngenxa yalokhu, kufanele uqonde izici kanye nomgomo walokhu kubhaliswa ukuze wahlulele ukuba wusizo kwakho.

Manje usuyazi ukuthi ungaba kanjani ilungu, kanye nezinzuzo zokuba ngomunye.