Ukuqedwa kwenkontileka yomshuwalense wesithuthuthu ngumhlinzeki womshwalense

Imvamisa inkontileka yomshuwalense inqanyulwa ngabanomshwalense. Lokhu kuvame ukwenzeka ngoba uthole isivumelwano esingcono nomunye umshwalense noma wathengisa imoto yakhe enamasondo amabili. Kepha kwesinye isikhathi akufani kanjalo. Ukupheliswa kwenkontileka yomshuwalense wesithuthuthu nakho kungacelwa futhi kwenziwe ngumshuwalense.

Ngabe umshwalense angaqeda nini inkontileka yomshuwalense wesithuthuthu? Inkontileka inganqanyulwa ngaphansi kwaziphi izimo? Yini okufanele uyenze esimweni esinjalo? Iyini imiphumela kwabanomshwalense uma kungenzeka umshwalense unqanyulwe? Sizophendula yonke imibuzo yakho mayelana ukunqanyulwa kwenkontileka yomshuwalense wesithuthuthu ngumhlinzeki womshwalense.

Ukukhanselwa komshuwalense ngumhlinzeki womshwalense: izizathu ezingenzeka

Kuyaqabukela, umshwalense enze isinqumo sokunqamula inkontileka yomshuwalense wesithuthuthu, ayibophele kwiklayenti. Lapho inkontileka iphumelela, izinkampani zomshuwalense zizama ukugcina amakhasimende atholakele. Kepha ngaphansi kwezimo ezithile futhi ezimweni ezithile, angaba nelungelo lokwenza njalo. lapha uhlu lwezizathu ezingenzeka ezingavumela ukuqedwa komshwalense wesithuthuthu ngumshuwalense.

Ukunqanyulwa kwenkontileka yomshuwalense wesithuthuthu uma kuphela isikhathi sokusebenza kwayo

Un inkontileka yomshuwalense wemoto enamasondo amabili iphothulwa isikhathi esibekiwe... Emasontweni ambalwa ngaphambi komnqamulajuqu, uzothola uhlelo olusha futhi ukunwetshwa kuzoba yisimomondiya ngaphandle kwalapho omunye wababandakanyekayo, umshwalense noma umshwalense, ethatha isinqumo sokuqeda unilaterally le nkontileka.

Lapho kunqanyulwa inkontileka, ukunqanyulwa kungenzeka kubo bobabili umshwalense kanye nabanomshwalense. Ngamanye amagama, lapho inkontileka ifika esiphethweni, umshwalense angahle angayivuseleli ngokuthumela incwadi yokuqedwa. Lokhu futhi kuyilungelo lomshuwalense. Futhi lokhu ngaphandle kwesidingo sokulungisiswa noma isizathu esizwakalayo.

Theumshwalense uzokuthumela incwadi ngesikhathi esinqunyiwe ekwazisa ukuthi uthathe isinqumo sokungayivuseleli imishwalense yakho enamasondo amabili, bese ekutshela ukuthi uthole inkampani yomshwalense entsha.

Ukuqedwa kwenkontileka yomshuwalense wesithuthuthu ngokungakhokhi

Uma lesi kuyisivumelwano esivumelekile, umshwalense angadinga ukuqedwa komshwalense uma umninipholisi ehluleka ukufeza izibopho zakhe. Sikhuluma ikakhulukazi mayelana ukungakhokhelwa kweminikelo.

Ngamanye amagama, uma umshwalense engayikhokhi imali yakhe, umshwalense kufanele athumele isikhumbuzi sokukhokha ezinsukwini eziyi-10 ngemuva kosuku oluhleliwe, kanye nesaziso sokukhokha esisemthethweni ezinsukwini ezingama-30. Uma ngemuva kokuthi le nkokhelo ingenzekanga, angayiqeda ngokusemthethweni inkontileka.

Ngakho-ke, kubalulekile kwabanomshwalense: zithobele imigomo yokukhokha eshiwo yinkontileka yomshuwalense wesithuthuthu ukugcina ithemba lakhe. Uma kunezinkinga zezimali, kubalulekile ukuxhumana nomshuwalense ukuze uthole inqubo yokuthula futhi ugcine ubuhlobo obuhle.

Ukunqanyulwa kwenkontileka yomshuwalense wesithuthuthu uma kwenzeka ingozi

Ukuqedwa komshwalense wesithuthuthu ngumhlinzeki womshwalense futhi kungenzeka uma kwenzeka ingozi... Kepha ngombandela wokuthi into ishiwo ezimweni zokunqanyulwa ezichazwe kwinkontileka eshiwo.

Ngakho-ke, uma kuvela ukuthi umshwalense ubesesimweni sokudakwa ngokweqile, edakwe umuthi noma uma enze icala eliholele ekumisweni noma ekuphucweni kwelayisense yakhe; nokuthi la maphuzu acashunwe ezimweni ezijwayelekile zenkontileka; umshwalense uzoba nelungelo lokunqamula ngokusebenzisa ngokunenzuzo lokhu kulahlekelwa. Uzodinga nje ukuthumela abanomshwalense incwadi eqinisekisiwe yokuqeda ngesaziso sokutholwa kwayo. Ngakho-ke, ukuqedwa kuzoqala ukusebenza ngemuva kwezinsuku eziyi-10.

Kuhle ukwazi: uma enqamula inkontileka yomshuwalense wesithuthuthu, umshwalense kumele buyisela yonke imali yobulungu esele, kusukela ekuqaleni kokuqedwa kuze kube usuku lokuphelelwa yisikhathi olujwayelekile.

Ukunqanyulwa kwenkontileka yomshuwalense wesithuthuthu ngenxa yesimemezelo esingalungile

Ukwamukelwa kwenkontileka ngumshuwalense empeleni kuncike ezitatimendeni zomshuwalense. Njengoba kungaleli lwazi ukuthi ulinganisela ubungozi bomshuwalense, futhi uma ingozi yamukelekile, angakwazi ukubala inani le-premium yomshuwalense.

Ngakho-ke, ngokweZindatshana L113-8 kanye no-L113-9 zekhodi yomshwalense, umshwalense anga ukufuna ngokusemthethweni ukunqanyulwa kwenkontileka yomshuwalense uma kuvela ukuthi umshwalense:

• Wenze izitatimende ezingamanga.
• Ulwazi olushiywe ngamabomu.
• Kunikezwe imininingwane enganembile.

Uma umshwalense enquma ukungasiqedi isenzo, unezinketho ezimbili:

• Uma ngabe iphakethe litholwe ngaphambi kwesimangalo, angahle adinge ukuthi i-premium ishintshwe ngokuya ngengcuphe ebekiwe.
• Uma iphakethe litholakala ngemuva kokulahleka, lingadonsa kunxephezelo inani eliphelele lamaphrimiyamu obekufanele likhokhwe.

Kuzo zombili izimo, uma umshwalense enqaba, umshwalense angaqeda inkontileka ngokumthumela incwadi eqinisekisiwe yokuqeda... Ukunqanyulwa kuzokwenzeka ngemuva kwezinsuku eziyi-10. Futhi lapho kuzofanele futhi abuyise okusele komnikelo, ongeke usetshenziswe kuze kube usuku lokuvuthwa.

Ukuqedwa Kwenkontileka Yomshwalense Wesithuthuthu Ekushintsheni Kwezingozi

Ngokwe-athikili engu-L113-4 ye-Insurance Code, umshwalense futhi angayiqeda ngokusemthethweni inkontileka uma ethola lokho inani lomnikelo alihambelani nobungozi obufihliwe... Noma, uma ekholelwa ukuthi ubungozi buyanda, ngenxa yalokho i-premium yamanje iba engabalulekile. Uma isimo sishintsha engxenyeni yomshwalense, owokugcina ubophezelekile ukwazisa umshwalense ngalokhu zingakapheli izinsuku eziyi-15.

Lokhu kuzokwazi phakamisa izixazululo ezimbili :

• Lungisa i-premium ukuze ifane nobungozi obukhuphukile.
• Funa ukunqanyulwa kwenkontileka uma umninipholisi enqaba.

Esimweni sokugcina, uma ukunqanyulwa kwenzeka ngaphambi kosuku lokuphelelwa yisikhathi, umshwalense uzobuyisela inani le-premium engasetshenziswanga.

Isikhathi sesaziso uma kwenzeka umshwalense evala umsebenzi

Uma umshwalense efisa ukunqamula inkontileka yomshuwalense wesithuthuthu ngemuva kokuphela kwayo, kufanele: hlonipha isaziso sezinyanga ezimbili... Ngamanye amagama, kufanele azise umninipholisi ngenhloso yakhe ezinyangeni ezimbili ngaphambi kokuphela kwenkontileka. Futhi lokhu kuthunyelwa ngeposi eliqinisekisiwe ngokuvuma ukutholwa.

Uma kwenzeka ukuqedwa kwenkontileka yomshuwalense ngumshuwalense ngemuva kokuphelelwa yisikhathi isaziso asidingeki uma sisemthethweni... Uma efisa ukunqamula inkontileka ngenxa yokungahambisani nezibopho zomninipholisi, isitatimende esingelona iqiniso, ingozi noma ingozi eyengeziwe, kufanele amane azise umshwalense ngokuthumela incwadi eqinisekisiwe yokutholwa. Kuzoqala ukusebenza ezinsukwini eziyi-10.

Iyini ifayela le-AGIRA?

I-FICP isebhange lokho i-AGIRA emshwalenseni. Lapho i-FICP ibala zonke izimo zokukhokhwa kwemali mboleko yomuntu, i-AGIRA ibala konke ukukhanselwa komshwalense okwenzekile. Ngamanye amazwi, lokhu ifayela elinohlu lwabashwalense “ababi”.

UZOKWENZA, noma ” Inhlangano Yokuphathwa Kwemininingwane Yengozi Yomshwalense », Yifayela eliqukethe okuphikisanayo komuntu ongene esivumelwaneni sesithuthuthu noma somshuwalense wemoto futhi wasinqamula. Lokhu kuvumela abomshwalense ukuthi bahlole ukusebenza kwalabo abangaba nomshwalense futhi bahlole ubungozi obubekayo. Lapho uphetha inkontileka yomshuwalense, lokhu futhi kwenza ukuthi kube nokwenzeka ukulinganisa inani le-premium.

Ngenxa yalokho, uma unqamule inkontileka yakho yomshuwalense wesithuthuthu noma uma inqanyulwe umshwalense wakho, uzobhalwa kufayela le-AGIRA... Futhi lonke ulwazi olumayelana nawe: ubunikazi, abomshwalense, imininingwane yezinkontileka ezindala, imininingwane yemoto enomshwalense, umlando nezizathu zokuqedwa, ibhonasi malus, izimangalo ezibhekelekayo, njll. Zizogcinwa lapho kusuka eminyakeni emi-2 kuye kwengu-5, kuya ngesizathu ukukhishwa ohlwini ...

Le Ifayela le-AGIRA linemithelela ebaluleke kakhulu kubaninipholisi abasefayelini. kule yokugcina. Lezi zamanje zizokwaliwa yizinkampani eziningi zomshuwalense, futhi uma kungenjalo, amanani azonikezwa azobe ephakeme kakhulu kunamanani abantu abanomshwalense abangafakwanga ohlwini ngenxa yobungozi obenziwe.

Umshuwalense wesithuthuthu ukhanselwe umshwalense wakho: yini okufanele uyenze?

Uma umshwalense wakho ethatha isinqumo sokuqeda isivumelwano somshwalense wesithuthuthu sakho, kunezixazululo ezimbili ongazithola:

Ukuphonsela inselelo ukunqanyulwa kwenkontileka

Kulokhu, kufanele xoxisana nomshuwalense bese umcela ukuthi acabangisise ngesikhundla sakhe... Uma ethatha isinqumo sokuyeka ngoba ungakhokhi izinkokhelo zakho ngesikhathi, zama ukuvikela isimo sakho. Yenza izimpikiswano futhi uzibophezele ekuhlonipheni ukuzibophezela kwakho.

Uma ethatha isinqumo sokukususa kuhlu ngenxa yolwazi lwamanga noma ingozi eyengeziwe, zama ukuthola indlela futhi. Uma umshwalense wakho esikisela ukulungisa i-premium yakho, uma kungenzeka, yamukele. Kunoma ikuphi, abanye ozakwethu kungenzeka bakunikeze imigomo nemibandela efanayo ngezingcuphe ezifanayo.

Uyavuma ukunqamula

Ungavuma futhi ukunqanyulwa. Kepha kufanele wazi ukuthi lesi sinqumo singaba nemiphumela emibi kakhulu. Okokuqala, uzodinga ukuthola ngokushesha omunye umshwalense. Ngoba ukunqanyulwa kusebenza ezinsukwini eziyi-10 ngemuva kokuthola incwadi yokuqeda. Ngakho-ke, kufanele uthole ozongena esikhundleni ngaphambi kwalesi sikhathi ukuze uqhubeke nokusebenzisa isithuthuthu.

Futhi esigabeni sesibili, uzodinga qinisekisa umshwalense omusha ukwamukela okubhalisile... Iqiniso lokuthi umshwalense wakho unqume ukunqamula inkontileka yakho ngeke lamukelwe ngokuvunywa. Lokhu kuzorekhodwa kufayela le-AGIRA futhi kuzobonwa yinoma iyiphi inkampani oxhumana nayo. Abaningi babo bazonqikaza noma baze benqabe ukusayina isivumelwano nawe. Abanye bazokwenza, kepha ngokushintshana ngemali ephezulu yobulungu.

Noma kunjalo, noma ngabe yisiphi isinqumo sakho, ungalokothi ugibele isithuthuthu ngaphandle komshwalense.

Ungazivikela kanjani umshuwalense ngemuva kokuphela kwenkontileka?

Uzoqonda ukuthi kuzoba njalo kunzima ukuvikela umshuwalense ngemuva kokuqedwa kwesivumelwano... Uma uhlulekile ukusayina inkontileka entsha nenye inkampani, unezixazululo ezimbili:

• Ufaka isicelo enkampanini yomshwalense ekhethekile. Abanye abashwalensi banikeza umshwalense wezithuthuthu ngokukhethekile kubantu abanqanyulwe umsebenzi womshwalense noma abanomlando obalulekile wokulahlekelwa. Yebo, amaphrimiyamu omshwalense cishe azoba phezulu, kodwa okungenani uzonikezwa umshwalense futhi ukwazi ukugibela isithuthuthu. Indlela elula yokuthola umshwalense omusha wezithuthuthu ukusebenzisa isiqhathanisi somshuwalense njenge-lecomparateurassurance.com.
• Uya kwa-Central Price Office noma ku-BCT. Le yinhlangano ezosebenza njengomxhumanisi phakathi kwakho nezinkampani zomshuwalense. Uzobhekela ukuthola umshwalense azokwabela naye iphrimiyamu. Futhi ngokugcina, le nkampani izophoqeleka ukukumboza.