Kwaungawana Mukana weBhasikoro Rako uye Zvaunogona Kuda paInishuwarenzi
Nezera rezera remakore makumi maviri nemashanu, pane 26.1 mamiriyoni vatori vechikamu mumabasa ebhasikoro. Ndiyo mabhasikoro akawanda anoshandiswa nevanhu zuva nezuva!
Bhasikoro Yakaputirwa NeInishuwarenzi Here?
Mashoko akanaka ndeokuti mabhasikoro akafukidzwa sechikamu chezvinhu zviri muimba yeimba yako, renter , kana kuti yunivhisi yemainishuwarenzi pasi pezvakanzi chikamu chemurairo, chero bedzi zviri mukati mako zvakakwana zvakakwana kuti zvivhare bhasikoro rako, uye chero bedzi paine kwete kuregererwa kana muchero chaiwo wezvimhosva pamutemo wako wakanangana nemabhasikoro. Kana bhasikoro yako yakafukidzirwa pahupfumi hwehupfumi hwako pane imwe yemitemo inotaurwa pamusoro apa, saka inowanzotarisirwa kuderedzwa .
Ndeipi Bhasikoro Kazhinji Yakaputirwa?
Inishuwarenzi yose inopesana. Iwe unogona kuva nemutemo unobatanidza njodzi dzose kana matambudziko akazaruka, kana imwe inongotanga kuvhara zvinetso zvakananga zvemunhu pachake . Nheyo yepamusoro inobatanidza zvinetso zvakananga ichakufukidza iwe wekubata nemoto, pamwe chete nedzimwewo dzinonzi dambudziko.
Iko Bhasikoro kana Kupikisa Mavharo Akavharwa Here?
Kunyange zvazvo mabhidhiyo akawanda emabhasikoro ehurumende achitaura nezvekushanda mabhasikoro haafaniri kuvharwa nemishonga inshuwarisi, kana nguo yebhasikoro isingabatanidzwi pamashoko ako ega ega chikamu chemurairo, saka haikwanisi kubviswa, uye naizvozvo inogona kuvharwa nezvakaipa zvakananga sezvose zvimwe zviri mumusha mako.
Ndapota bvunza mumiririri wako weu inshuwarisi pamusoro peizvi usati wafunga kuti hauna kuvharwa.
Dambudziko Rese Rakazara Rakabatana neZita Rakatsetseka Pakati peBhasikoro
Dambudziko rakavhurika kana hurongwa hwehuwandu hwehupenyu hwose huchava nehuwandu hwakanaka, kunyanya apo iwe unogona kufunga zvinhu zvose zvinokanganisa nebhazikoro. Somuenzaniso, nokuti purogiramu yakavhurika inotungamirirwa nepfungwa yokuti kunze kwokuti chimwe chinhu chisina kubviswa kana kusakwanika, chakafukidzirwa.
Iwe unowana kugoverwa kwemarudzi ose ezvinhu zvisina kubviswa. Mimwe mienzaniso inogona kusanganisira kunyangarika kusinganzwisisiki, kana somuenzaniso, kana iwe wakabatikana kutora selfies uye iwe usingazivi kuti wakasiya bhasikoro rako pedyo nechepamusoro pemapapiro uye bhasikoro rako kamwe-kamwe rinopinda muhova uye rinokuvara kusina kugadziriswa . Mumatambudziko akazaruka kana mutemo wakazara, kana chikonzero chekukuvara chisina kubviswa, chakafukidzirwa.
Mune dambudziko rakarongeka, kana kuti zita rinotumidzwa nengozi, kana kukanganisa kusina kunyorwa, saka hazvifukidzwi. Iyi ndiyo nzira shoma yekugovera. Iwe unogona kukumbira mumiririri wako wehushuwarisi pamusoro pezvakafukidzirwa uye enda pane izvi zvakananga maererano nehutungamiri hwako nokuti sezvo iwe uchigona kuzviona zvichiita kusiyana kukuru pane zvaunogona kutora.
Kuda Kupi Kuzobhadhara Sei Bhasikoro? Mari Mari Yaunogona Kuitarisira?
Kana bhasikoro yako yaparadzwa nekuda kweimwe yezviitiko zvinotarisana nemitemo yako, sembavha, somuenzaniso, iwe uchada kuziva kana inshuwarisi yako inobhadhara mari yekudzorera, kana kuti chaiyo mari inokosha kuti uzive mari yaunowana.
Kana hurongwa hwako hunosanganisira kubhadharwa mari yekuvhara bhasikoro yako, iwe unogona kutarisira kuti ugone kugamuchira kukosha kwauchazoita kuti utore bhasiki rako rekare neimwe itsva yehutano hwakanaka uye chimiro. Dzimwe nguva unogona kugadzirisa kusarudzwa kunobatanidza kukosha kwakaderera, uye wobva watora zvakasara zveko, zvishoma kudhara (kana ductible inoshandiswa) iwe paunoratidza kuti wakatsiva bhasikoro nekupa maitikiti. Kambani imwe neimwe ye inshuwarisi inoshanda zvakasiyana. Iwe unogona kudzidza zvakawanda nezvenzira dzakasiyana-siyana kudai kubhadharwa mupepi nhamba nhamba 6 munyaya yedu pamusoro pekunzwisisa kushandiswa kwemishuwarenzi yemusha .
Zvinyorwa zvitsva zvinoshandiswa kugadzirisa zvinotarisa kuti mari yakawanda ichabhadharwa sei mukutora ndeiyo:
- Zvechokwadi Cash Value - iyo inowedzera kukosha panguva yekurasikirwa
- Kudzorerwa Kwekudhura - kukosha kuchinja chinhu chacho
- Chibvumirano Chinokosha - izvi hazvisi zvakajairika, asi zvinogona kuva mamiriro ezvinhu kana iwe ukatenga purogiramu chaiyo, kana iwe uwedzere mutasviki kuti avhare bhasikoro zvakananga. Iwe unofanirwa kukumbira mumiririri wako kana ichi chiri chisarudzo, ipapo izvo zvavanogona kuita zvinobvumirana nehuwandu hwehutangi hwehushuwarisi hwebhasikoro rako risina kuora kwekutsvaga. Izvi zvakafanana nezvimwe zvakarongeka zvakagadzirirwa chimwe chinhu inshuwarisi iyo inowedzerwa kumutemo, kufanana nemichina yekugadzira kana zvishongo.
Muenzaniso weChechi yeCash Value muChinomwe Bhasikoro
Kana nheyo yekutaura kugadziriswa pamutemo wako iwe chaiwo mari inokosha, chenjerera kuti izvi hazvirevi kuti uri kuwana mari yakakwana yekuvhara bhasikoro yako itsva. Zvinorevei ndezvokuti ivo vachakupai kukosha kwepabhasikoro. Izvi zvinowanzoita chikamu chekugadziriswa kwemaoko, kana bhasikoro iri itsva, saka ingangodaro isina kuderedza zvakawanda, saka iwe unogona kuwana zvakawanda, asi iwe hauzombofi wawana 100% yehuwandu hwebhadhaji yebhagivha mutsva mu Zvechokwadi Cash Value mamiriro ezvinhu. Pamusoro peiyo, usakanganwa kuti vasati vabhadhare kukosha, vanozobvisa mari yacho, kuitira kuti iwe usatowana kana kubhadhara kana iwe uchibvisa mari yako kupfuura yezvaanosarudza sechipo chekubhadharwa.
Iwe Unofanirwa Kuita Mhosva Pamusha Wemainishuwavha weBhasikoro Dzakareba?
Kana iwe uchitora mvumo yeimba yako inshuwarisi pasi pehupfumi hwehupfumi hunokosha kuziva kuti iwe ucharasikirwa zvakadini nokuda kwezvakabviswa uye kana iwe uchizopomerwa nekurasikirwa nekutaura-kusununguka kusununguka sechikonzero chekuda kwako.
Kana iwe ukarasikirwa ne 25% mukutaura kusunungurwa kusununguka kwemakore matatu kusvika kumashanu paimba yako inshuwarisi mari, uye iwewo unorasikirwa nemadhora mazana mashanu ehuwandu hwaunoda kutora kune iyo yakabviswa, iwe unogona kunge uchida kunyatsoona kana zvine musoro kuita kudai paimba yako inshuwarisi yebhazikoro. Kukosha kwebhazikoro inova chinhu chinokosha mumamiriro ezvinhu.
Kurukura nyaya iyi neyemumiririri weinishuwarenzi iwe usati waita kudai iwe unogona kuita chisarudzo chekuti iwe kana kwete iwe unoda kutenga yandi inshuwarisi yemamiriro ezvinhu aya, kana iwe wakarurama pasina kungoita kudai kana bhasikoro ichibiwa. Kana kuine bhasikoro yako bhizimisi inokosha, saka pane zvimwe zvingasarudzwa zvokufungisisa uye zvakanakisisa kuita izvi musati mvumo yaitika.
Bicycle Yako Inotsigirwa Paunenge Uchifamba Here?
Muridzi weimba yako yveshuwarenzi inokufukidza iwe uye iwe pfuma yako zvishoma nezvishoma yakabviswa chero kupi zvako munyika. Saka kana iwe uchifamba nebhasikoro rako, ingadai yakafukidzwa kana iri mukutarisira kwako nekudzivirira, sezvazvaizoita iwe paunenge uri pamba.
Kana iwe ukaisa bhasikoro rako mumaoko ekambani yekutakura, iwe unoda kutarisa neinishuwarensi yako yehutano pamusoro pekuti yakafukidzwa sei munguva iyoyo, nokuti inogona kuva yechitatu iyo inogona kutongerwa kukanganisa apo bhasikoro mukutarisira kwavo. Iyi mamiriro ezvinhu anogona kuva anonyangadza, saka iva nechokwadi uye ubvunze kana iwe usingave iwe uri kutungamirira bhasikoro rako nguva dzose kana uchifamba-famba pasi rose.
Izvo Zvako Pfuma Yenyu Muvhodhi Kuparara Kwebhachikoro?
Nzvimbo yako yehupfumi inoshandiswa pamusha wako inshuwarisi yemutemo inongogadzirisa bhasikoro kukanganisa kana kukanganisa kunoitika semugumisiro wehutachiona hwehupfumi.
Kana iwe uchifambisa bhasikoro rako mumuti, somuenzaniso, uye nheyo yako inotsanangurwa nengozi kana zvinetso zvinonzi zita, sezvatakurukura pamusoro apa, saka kukanganisa kwebhazikoro hakugoni kuvharwa.
Zvose zvinogona kuisa pangozi zvinogona kuvhara izvi kana mamiriro ezvinhu akadaro asina kubviswa . Kune mamwe mabhasikoro ehushumo ehutano iwe unogonawo kutarisa kuti ndiani angave pamusoro peizvi kana izvi zvichikosha kwauri uye iwe unoona kuti hazvizofukidzi pasi pemutemo wako wezvino.
Iwe Wako Kukuvadza muNhanho yeBhasikoro
Kukuvara kwako pachako kwakakonzera iwe pachako kukanganisa kwako hakukwanisi kuvharwa pasi peimba, chikwata kana chigaro chevaridzi.
Izvi zvinowanzowira pasi pehutano hwehutano inshuwarisi. Zvisinei, mukuenzanisa, vamwe vashandi vebazi bhizinishuwarenzi mazano ehurumende vanogona kusanganisira kugoverwa kwekukuvara , iwe unongoda kusarudza kana iwe uchitova nehuwandu hwehutano kuburikidza nehutano hwako hwehutano, kana purogiramu yemunhu pangozi pane. Usatenga inshuwarisi miviri kana iwe usingadi. Dzokorora yako yose inshuwarisi yepisitoreti musati wambosvika painishuwarenzi yausingadi, vamiririri vese ve inshuwarisi vanogona kukubatsira kuti uongorore izvi. Dzimwe nguva kusarudza kutenga bumbiro remunhu pangozi kunogona kukufadza iwe sezvo zvingakufukidza iwe yese yezviitiko, kwete chete pabhasiki yako. Makambani emakadhi emakadhi anopa kunyange kupa iyi kugoverwa dzimwe nguva. Pane zvakawanda zvingasarudzwa.
Ndezvipi Zvokusarudza Kuisa Bhasikoro?
- Iwe unogona kukwanisa bhasikoro rako kuti rive rakachengetedzwa zviri pasi peimba yako inshuwarisi, sezvakambotaurwa pamusoro apa, zvichienderana nemitemo yemitemo uye mamiriro uye zvichienderana nekutengesa
- Iwe unogona kutenga mutasvi kana kubvumirwa kuti uwedzerwe pfuma yako yega yega kuti uwane kuvharidzirwa kwebhasikoro rako uye zvichida usazvitsaurirwa mukutsvaga.
- Iwe unogona kutenga bhasikoro inokosha yekambani nekambani yakadai seVelosurance, Markel Insurance kana mamwe makambani aungawana nekutsvaga paIndaneti . Kukumbira shamwari kana masangano akaita sebhakiki kambani seBicycle Adventure Club (kana vamwe), mutengesi wenyu bhasikoro kana mamwe mabhasikoro. Vashandi vemakwikwi vanofara kazhinji vane insider info kana mapeji chaiwo vangave vakakwanisa kukuudza pamusoro pekuwedzera kune pfungwa dzako dzekuenzanisa.
- Unotenga kunharaunda yako uye unotaurirana nevatengesi bhasikoro kana mabhasikoro kuti uwane kuti zviitiko zvavo zvave zvakange zvakasarudzika sei kutanga tsvakurudzo yako. Ziva zvaunogona kuita usati waita chisarudzo.
Unofanira Kutenga Indishuwarenzi Inokosha yeBicycles kana Mountain Bikes?
Inishuwarenzi inokosha inogona kupa kugoverwa kunozovhara njodzi dzakawanda kupfuura yeimba yako inshuwarisi yemutemo. Zvichienderana nezvamunoda uye mararamiro amunoita nebhagivha yako, izvi zvingava sarudzo. Izvi ndezvimwe zvezvinhu zvaunogona kukumbira bhasiki bhizimisi chaiyo kana uri kuedza kuziva kana uri kuwana mutemo wakanaka. Iwe uchaona kubva pane zvakarongwa pasi apa kuti kugoverwa kunogona kunge kwakanyanyisa, uye kunobvumira kugoverwa munguva yemitambo yekukwikwidzana mumatambudziko akawanda. Chinhu chikuru ichocho haufaniri kutora mishonga yemishuwarenzi yemusha uye ngozi yekuve nekuwedzera kwemishonga yveshuwarenzi yemumba nekuda kwekurasikirwa kwezvibvumirano-zvisingabhadharwi.
Bhasikoro Yakakosha Inishuwarenzi? Zvakakosha Here? Chii chakavharwa?
Heino mutsara wezvakafukidzirwa nemamwe mabhizimisi bhizinesi bhizinesi izvo zvisingawanzodzikidzirwa nemishonga yemishonga yemhuri kana kuti yega yega inshuwarisi yveshuwarenzi.
Zvimwe zvezvinhu izvi zvingave zvakaputirwa nemishonga yveshuwarisi, inoratidzwa ne * - zvisinei, mutemo umwe neumwe wakasiyana uye haugone kuvharwa kune imwecheteyo iyo inyanzvi yehushuwa inogona kuvhara izvi.
Yese inokosha bhujishuwarenzi bhuchushu bhizinesi ichave yakasiyana, saka zvakare, zvinhu izvi zvinogona kushandiswa sechitsvakurudzo chekuti iwe uwane chakavanzwa uye uite chisarudzo. Panogona kuva nezvimwe zvivako kana zvinowanikwa zviripo zvichienderana nekambani yaunosangana nayo, uye chimwe nechimwe chingave chichienderana nechepamusoro. Iva nechokwadi uye uwane.
Iwe chete iwe unogona kusarudza kana zvakakosha, asi zvakanaka kuti uzive kuti ndezvipi zvekugovera zviripo kuitira kuti iwe uite chisarudzo uye uenzanise zvaunogona iwe paunotaura neyemumiririri weinishuwarenzi, vashandi kana mutengesi.
Bhasikoro Rinokosha kana Cyclist Insurance Coverage Mienzaniso
- Replacement Bike Rental kana bhasikoro yako yaparadzwa
- Mashandisirwo ekuparidzira
- Airline Shipping Coverage
- Kuwana bhizimisi shoma shamwari dzese dzinogona kubatsira kana uchifamba
- Mugwagwa rubatsiro
- Kuparara kana kukanganisa kuitika
- Kukuvara kana kurasikirwa mukutama
- Full Value Coverage *
- Medical Coverage *
- Vehicle Contact Kudzivirira
Iwe Unoda Kubhadhara Inishuwarenzi yeBhasikoro?
Muridzi weimba yako, condo kana renster inshuwarisi inosungira mutoro wako pachako zvichienderana nemitemo yemitemo uye zvisarudzo. Mhosva yako pachako inogona kupawo huwandu hwekugovera kana iwe uchikuvadza mumwe munhu paanenge achifamba bhasikoro rako kana iwe uri mutoro. ZVIMWE >>
Inobatanidzwa Mukukwikwidzana kana Makwikwi Akavharwa neInishuwarenzi Here?
Kana uri kutora chikamu mumakwikwi kana mamwe mabasa akarongeka, iwe unoda kuongorora neinishuwarensi yako nokuti chero chikwereti chinotora chibvumirano chinogona kubviswa, pamwe chete nemhosva yezviitiko zvehupenzi, uye kumhanya kana kukwikwidzana. Kunyange zvakadaro zvimwe zvekusarudza zvatakakurukura pamusoro apa mu "Zvimwe zvekuchengetedza bhasikoro" zvinogona kupa kugoverwa kwemhando iyi yengozi. Zvinonyanya kukosha kukurukura neinishuwarenzi yako uye kuva nechokwadi chokuti une chinyorwa chaunoda kana iwe unogona kunge usina kubhadhara inshuwarisi yezviitiko izvi uye njodzi.
Unofanira Kutumira Inishuwarenzi Yako Paunotenga Bhasikoro Itsva Here?
Kana iwe uri kuisa mubhazikoro itsva, iyo pfungwa chaiyo yekukurukura nekambani yako ye inshuwarisi kuti uvazivise ivo nezvekutenga kutsva. Vachakwanisa kuongorora mazano ako uye vakuudze:
- kana pane mimwe mipera inosanganisira mabhasikoro kana mashizha emitambo
- icho chaunenge uchibvisa chichave chiripo kana iwe uchida kubvunza bhasikoro rako
- kana pane mutasviki chaiyo kana kugutsikana iwe unogona kuwedzera pane yako hurongwa kuti uwane inshuwarisi yakanaka yebhasikoro rako
Kutora nguva yekukurukurirana izvi zvose musati waita kuda kukuudza iwe chaicho chaunotarisira, uye kana wakaisa mari yakawanda mubhasikoro yako itsva, kana kuti une mabhasikoro akawanda mumba mako, zvakakosha chaizvo kuziva. Paunotevera bhasikoro, kana chimwe chinhu chisina kunaka, iwe uchava nerubatsiro uye kugoverwa kwaunoda.