Ungakhetha kanjani umshwalense?

Ukukhetha umshwalense ofanele akusona isinqumo esilula: kunezinkampani eziningi zomshwalense emakethe ezinikeza izinhlobo ezahlukene zezinqubomgomo. Izinkampani zomshwalense zincintisana ngokunikeza izimo ezingcono kakhulu namanani aphansi, ngokuvamile zicebisa izipesheli zazo ngezinkonzo ezengeziwe ezinye izinkampani zomshwalense ezingenazo.

Phakathi kwezinkulungwane zeziphakamiso, kunzima ukuthola isisombululo esifanele kuwe, kodwa ungenza kube lula: udinga nje ukwazi ukuthi yini okufanele uyibheke lapho ukhetha umshwalense. Kuhle ukukhumbula ukuthi umshwalense (kungakhathaliseki ukuthi uluhlobo luni) uyidokhumenti ebaluleke kakhulu: umsebenzi wawo ukuvikela impilo, impilo kanye nempahla yomuntu ofakwe umshwalense kanye nezihlobo zakhe (ipholisi nayo iyisiqinisekiso sokukhokhwa kwezinzuzo zemali uma izimo ziphakama. , isibonelo, kwenzeka ingozi) , umlilo noma ukufa). Umshwalense unquma inani lesinxephezelo esingaba khona, izindleko eziphelele zepholisi, isikhathi kanye nobubanzi bokusebenza kwayo, ngakho-ke kufanelekile ukucabangela ukukhetha inkampani yomshuwalense efanelekile isikhathi eside. Yini okufanele uyibheke lapho ukhetha umshwalense?

Cabanga ngalokho okulindele

Ngaphambi kokukhetha umshwalense, kufanelekile ukucabangela lokho esikulindele kumshwalense: ingabe sidinga ukuvikelwa okunwetshiwe noma inketho yayo eyisisekelo ngokwanele. Ngaphambi kokuya kumshwalense, ake sizame ukulinganisa cishe ukuthi ingakanani iprimiyamu esingayikhokha nokuthi ungakanani umshwalense ongaphakathi kwamandla ethu. Khumbula ukuthi ipholisi ihloselwe ngokuyinhloko thina nabathandekayo bethu: iwumshwalense ngokumelene nezenzakalo ezingahleliwe, ngakho kufanele ucabangisise ngokuthenga ipholisi bese ukhetha leyo izimo zayo nenani elikufanela kakhulu.

Hlola umshwalense wakho

Ngaphambi kokusayina inkontileka nomshwalense, kufanele uhlole ukuthi ithembekile yini: ulwazi mayelana nezinkampani zomshuwalense lungatholakala ku-inthanethi. Kuyafaneleka ukuvakashela izinkundla ukuthola ukuthi amanye amakhasimende anelisekile yini ngezinsizakalo zale nkampani noma leyo nkampani yomshwalense nokuthi ihlola kanjani ukusebenza kwayo. Uma ufuna ulwazi mayelana nomshwalense, naka ukuthi inkampani inesikhathi esingakanani ikhona emakethe, noma ngabe inolwazi ngokufaka umshwalense kubantu kanye nokuthi inolwazi yini ngemakethe yomshwalense yasePoland.

Isingeniso somshwalense

Uma sicabanga ukukhetha umshwalense ofanelekayo, kufanele okungenani sibe nolwazi oluyisisekelo lomshwalense. Kuyafaneleka ukwazi ukuthi yiziphi izinhlobo zezinqubomgomo ezitholakalayo emakethe, ukuthi isamba esiphelele esiqinisekisiwe sihluke kanjani kwisamba esiqinisekisiwe, ikuphi ukubaluleka kwe-premium, noma ngabe inqubomgomo yemoto idluliselwa kumnikazi omusha lapho imoto idayiswa, njll. .Lolu lwazi luyosivumela ukuba sinqume ukuthi yiluphi uhlobo lomshwalense oluyoba olufaneleka kakhulu kithi, futhi ngesikhathi esifanayo, luyosivikela ekuthengeni umshwalense obonakala ukhanga ongeke ube nenzuzo kithi.

Sicela ufunde imigomo nemibandela yomshuwalense ngokucophelela.

Ku-General Conditions of Insurance (GTC) sizothola ulwazi mayelana nobubanzi besibopho sesikweletu somshwalense kanye nokungafakwa esikweletini, ububanzi bokukhavwa komshwalense, izimo lapho sizothola khona isinxephezelo, kanye nolwazi mayelana nezindleko zepholisi. - inani leprimiyamu, inani eliphelele, inani eliqinisekisiwe kanye nobude besikhathi senqubomgomo . Ngokuzijwayeza nge-GTC, sizogwema noma yiziphi izimanga ezingajabulisi.

Ukuqhathanisa okunikezwayo kuyisihluthulelo sempumelelo

Into ebaluleke kakhulu lapho ukhetha umshwalense omuhle ukuqhathanisa izinhlinzeko: kuye ngokuthi inkampani yomshuwalense ekhethiwe, izinqubomgomo azifani nje kuphela ngentengo, kodwa futhi ngokwemibandela kanye nokufakwa. Kuyafaneleka ukuqhathanisa izinhlinzeko zomshwalense ohlukahlukene - lokhu kuzokuvumela ukuthi ukhethe okulungile kithi. Ukuqhathanisa okunikezwayo kuzokwenziwa lula ngamathuluzi adalwe ngokukhethekile: Ukuqhathaniswa kwe-inthanethi, ngenxa yalokho sizojwayelana nezinhlinzeko zabadayisi bomshwalense abaningi futhi sibone ukuthi iyiphi enenzuzo kakhulu. Lokhu kuqhathanisa kuzosizwa i-Pado24, ithuluzi eliku-inthanethi lokuqhathanisa okunikezwayo. Ku-www.pado24.pl uzothola imali ebolekiwe kanye nomshwalense, amanani kagesi nawe-inthanethi, kanye nezinto zikagesi, izindiza, amahhotela nokuvakasha. Siqhathanisa okunikezwayo okuhlukile ukuze sikusize ukhethe okungcono kakhulu. Siyabonga, uzothola ukuthi iyiphi imali ebolekiwe eshibhe kakhulu, iyiphi intela kagesi ezoba yinzuzo kakhulu kuwe nalapho ishibhile khona ukuqasha imoto. Sizokutshela ukuthi iyiphi ikhompyutha ephathekayo ongayithenga nokuthi ungawuthola kuphi umshwalense wesikweletu oshibhile wenkampani yangaphandle. Ukukhethwa kuzokwenziwa lula ngababali esizeni, okuzokhetha okunikezwayo okuhle kakhulu ngokuya ngemibandela ebekiwe. Ku-Pado24 ukhetha ukuthi yini oyithandayo: okunikezwayo kuhlukaniswe izigaba, ukuze uthole kalula futhi ngokushesha lokho okufunayo. Ngenxa ye-Pado24, ungaqhathanisa okunikezwayo okutholakala emakethe ngemizuzu embalwa bese ukhetha okungcono kakhulu kuwe. Woza, qhathanisa futhi ulondoloze nge-Pado24.