Chii chinonzi kodzero? - mhinduro iri muchiso uye Insurance

Zvino mashoko mazhinji okune dzimwe nyika vari kuramba chikamu duramazwi yedu. Mumwe wavo - kodzero. Makore mashomanana apfuura, ichi izwi chete aishanda "akura" bhizimisi, asi zvino atarisana chero entrepreneur anoda kuvandudza kwavo.

Wokuti "Chii chinonzi kodzero" inogona akapindura, ndiko - a rokuti dzezvoupfumi, izvo zvinogona kureva:

- chikamu Nokurasikirwa munhu insuring pfuma;

- kodzero kodzero;

- pakusikwa kambani iri kodzero hwaro.

In chikamu tsanangudzo ine kodzero yokutanga rinoreva Nokurasikirwa vanhu vane pfuma inishuwarenzi, zvisina refundable nokuda kambani yacho inishuwarenzi pasi chibvumirano kondirakiti.

In tsanangudzo rokuti yechipiri inotsanangura kodzero kumisa emakambani mubasa kutengesa shamwari zvigadzirwa.

The ukoshi wechitatu - nokusika mabhizimisi nokuda franchising. Somuenzaniso, sezvo vari zvitoro yakakurumbira pezvitsiga ose zvizoro uye zvipfeko.

Saka, chii chinonzi kodzero? Mumashoko nyore, ndiko rudzi kurenda hachizi kana chigadzirwa, uyewo kushandisa avo mabasa vane mabhizimisi hurongwa. Muvambi kodzero iri anonzi "McDonald kuti". Zvechokwadi, nemhaka yakafarikana tengesa Franchises ayo pose McDonald hama zvokudya zvinhu vava nevakawanda kwazvo.

Deductible - chii, anonzwisisa anenge munhu wose kana kushandisa kuti kambani yacho inishuwarenzi. The insurer rinoti kodzero sezvo kwebhuku kambani yake kubva indemnification aite izvo haapfuuri hwakagadzwa saizi. Muchiitiko chino, zvakasiyana zvimiso zvodini ukoshi.

Chii inishuwarenzi deductible, zvinonzi akaratidza zvakajeka nomuenzaniso. Saka, vanhu achinje motokari inishuwarenzi itsva. A wakaiswa uwandu 5 zviuru zvemadhora. Ipapo kusarudza inishuwarenzi maererano "kuba + kukuvadza" insurer vanofanira kubhadhara $ 400. Kambani yeinishuwarenzi anoda kuzviita ane deductible pamusoro $ 100, uye munhu asingachengeti kubhadhara inishuwarenzi $ 400, uye 380. Panguva kunyoresa inishuwarenzi, pfungwa iyi chokwadi kunobatsira. Asi pane nuances iri chiitiko chimwe chiitiko insured.

Somuenzaniso, paiva anokwenya diki ari mumuchina kana akapwanyika hedhiraiti. Sezvo uwandu kukuvadzwa hakurevi kusapfuudza mari deductible ($ 100), kugadziriswa kwakaita muridzi achizvibhadharira zvaanoda. With kuduku breakdowns, zvinokwanisika nyore kuti mumwe kodzero. Saka, mumwe munhu kunoda kuti mugaraji, apo akanga kwenguva pfupi, bvisa ose zvikanganiso zviduku. kunge zvimwe aizova nguva kugoverana akakodzera kwema pamwe kambani yacho inishuwarenzi kusvikira yavanobhadhara kukuvadza vari chitsama vakabvumirana uwandu.

Kana kurasikirwa vakasvika $ 120, kambani yacho inishuwarenzi kuchaita dzosera 20 chete navo. Asi kana iwe funga uwandu anodiwa mapepa for $ 100, vakawanda motokari varidzi nokuti akadaro chiduku asingadi kutaura insurer uye kutora mari.

In zvinoitirwawo zvikuru kukuvara mamiriro ezvinhu ari siyanei. Nokuti vagadzirise motokari car kugadzira inivhoyisi kuti kambani yacho inishuwarenzi, uye kuti, uyewo, akabhadharira $ 100 bhiri zvishoma. mari izvi zvisipo vanofanira kuuya muridzi motokari. Mumamiriro ezvinhu chete vakundi ndivo kambani inishuwarenzi.

Kodzero-pamusoro apa inozivikanwa se kusiko. Iyi mhando ndicho uye sezvinoreva insurer.

Ndechipi kodzero, zvinoratidza munhu schematic nzira yayo kukarukureta. Saka, kana kurasikirwa pamusoro insured chiitiko haana kupfuudza mutengo wayo, mari vakatakurwa nomuridzi motokari. Kana kuwanda kukuvadzwa pamusoro kodzero (kunyange kana chete zvishoma), kambani yacho inishuwarenzi kuchaita dzosera iwe zvakazara. Iyi mhando zvikuru zvakanaka nokuda insured, asi makambani inishuwarenzi kuchipa zvikuru zvisingawanzoitiki.

Saka, munyaya ino isu kupa tsanangudzo "chii chiri kodzero" rinodonongodza rudzi ayo uye nzira chikumbiro.