Property inishuwarenzi chibvumirano - yakavimbika kudzivirirwa kubva asingafanoonekwi ezvinhu

Nepo chibvumirano vakawanda pakati inishuwarenzi pachake pfuma zvamutambudza kumabhanga kuti vanoda kuti ape mutemo kana muchida kushandisa pfuma kana motokari sezvo rubatso kuwana zvirongwa chikwereti, gwaro inova yakavimbika kudzivirira contingencies siyana. Panyaya iyi, kuparadzwa pfuma nemapoka rechitatu kana yakafanira kumanikidza majeure mugari vangawanazve kukosha kwayo, ochinja kukuvara kambani inishuwarenzi.

Inishuwarenzi basa:

Kusaina chibvumirano kuti inishuwarenzi pfuma, iyo insured anogona kuti akabhadhara kana pfuma iri uye zvinhu zvose zviri mairi vanoparadzwa kuputika kana moto, Gulf mvura kana kuti dzimwe ngozi dzinongoitika. Zvisinei, boka racho inishuwarenzi hunongotaura dzosera yakananga kukuvadza muimba chitsama pakutanga waiti ari mutemo, asi kunyange pashure muripo wacho insurer inoramba nemhosva nokuti insured chinhu mune ramangwana, kusvikira akapera izwi chesungano.

howa:

Pari chibvumirano inishuwarenzi inogona chinoguma vagari uye nomutemo vanhu pamusoro chokuzvidira hwaro. Company anogona inishuwarenzi pamusoro ngozi kukuvara kana kuparadzwa zvinhu zvakadai pfuma, kufanana nemhepo, mvura kana nyika chokufambisa, uyewo kufamba nacho Akagutsa. Vagari vanokokwa kugadzira mitemo inovadzivirira muchiwirirana kana kurasikirwa yokumunda dzimba uye dzimba, guta dzimba nemafurati, motokari siyana uye neimba nhumbi.

Double inishuwarenzi:

Kazhinji, vanhu utariri makambani kutsvaka kupinda chibvumirano pfuma inishuwarenzi pamwe insurers vanoverengeka kana kuti kuwedzera muripo apo chiitiko insured dzimwe nguva. Zvisinei, kana chikamu vachibhadhara kubva makambani akasiyana-siyana kupfuura kukosha insured pfuma, iyo insurer havagoni kutarisira kuwana muripo hombe.

Saka mutemo kuitika anopa kuti kuna "kaviri" rweinishuwarenzi munhu akapa mutemo runodiwa kuti kuudza boka vose zvibvumirano chokuita nzvimbo iyi, vakanga vapinda nevamwe nemakambani inishuwarenzi. Mumamiriro ezvinhu umo policyholder haana kuudzwa mumiririri wake achinyora kuti pfuma ratova insured nevamwe makambani, policies zvose ingatadza ukoshi hwavo.

Inishuwarenzi nhau:

chibvumirano neimwe inishuwarenzi rinopa pechifukidziro inishuwarenzi pahwaro mazita zvichibvira njodzi raanotaura mutemo iri rakapa. List rweinishuwarenzi nezvezvinotaura akaita pachishandiswa nzira mbiri, iyo zvinosanganisira kusiya nzira, apo chibvumirano kutaura kuti nyaya umo muripo haina kubhadharwa. Nzira unyorwe nekusiyana, anogovera nokuda kwokuripirwa muripo chete chiitiko rimwe insured zviitiko akanyorwa murugwaro chibvumirano, uye mune mamwe mamiriro ezvinhu, kambani hunotora hapana basa kuti kurasikirwa pfuma nokuda nemhosva.

Kazhinji, chakataurwa mutemo deductible - dzakakonzerwa kuti yeGmail.END_STRONG rirege kubhadharwa. Somuenzaniso, imwe zvimiso kodzero rinopa kuti pamusoro panowanikwa kukuvara pfuma, iyo policyholder achagamuchira muripo kana kukuvara akapfuudza Verengai raanotaura mutemo, shoma pachikumbaridzo. Zvino deductible chikamu vasingabhadharwi pre-evoruzhinji somunhu chikamu chesungano kupera.

Indemnity:

chibvumirano inishuwarenzi ose anofanira anosanganisira tsananguro nzira kuti igadzirise, uye kana pfuma iri insured zvakakwana mari, zviri insurer zvichaita chete mari imwe chikamu, raanotaura mutemo. Mumamiriro ezvinhu umo chibvumirano inopa venguva muripo dzakakonzerwa kubhadhara dzinoitwa mukati chaiyo iri mutemo zvariri uwandu.