Insurance Rating Organizations

Batsira Mukutsvaga Kwako kweInvest Insurance Company

Kana iwe wakafanana nevatengi vakawanda, unozviona zvichivhiringidza paunoedza kusarudza yepamusoro yunivhesiti yekambani. Izvi ndezvechokwadi pasinei nokuti ndeupi rudzi rwehushandi hwehupfumi hunogona kudikanwa; auto, vagari vemusha, hupenyu, hutano kana bhizinishuwarenzi. Kuteerera zviziviso paterevhizheni kana rhepfenyuro zvakare hazviiti sekupa rubatsiro rukuru. Munhu wose anoti ndizvo zvakanakisisa-saka iwe unotendepi? Inishuwarenzi masangano masangano anogona kukupa kusarura kusina kukodzera zvinhu zvakadai sekugadzikana kwezvemari, kushandiswa kwebato uye kugutsikana kwevanhu kugutsikana kwekambani ye inshuwarisi.

Iko kufanana nekambani yehushumo yekodhipoti kadhi

Rwendo rweInishuwarenzi Rating Zvikwata

Kune mhando dzakawanda dzakasiyana-siyana dzehushuwarenzi masangano apo iwe unogona kutanga tsvakurudzo yako. Heano mamwe emamwe masangano anozivikanwa zviri nani ehushuwarenzi:

• Nhamba & Nhamo
• Weiss Ratings
• AM Best
• Fitch Ratings
• Moody's Corporation
• Ward Group
• Demotech
• IAmerican Customer Satisfaction Index (ASCI)
  JD Power & Associates

Rating Factors

Ndeupi ruzivo rwemashoko rinogona kushandiswa nemishuwarenzi masangano pamusoro pekambani yeinishuwarenzi? Makambani ekutsvaga mari yeInishuwarenzi anotarisa kushandiswa kwekambani kwekambani yemari kushandiswa kuti abatsire kuziva kuti inotungamirirwa sei mune ramangwana. Sangano rimwe nerimwe rinoshandisa inshuwarisi rinoshandisa zvarinoda kuti ritonge kugadzikana kwemari uye zvimwe zvinhu zvinokosha kune kambani yveshuwarenzi. Izvo zvataurwa, pane zvinhu zvakati kuti zvese masangano emishuwarenzi anotarisa anofunga.

• Kumbani Kwenyika uye Mutungamiri Nemaitiro : Kambani ine bhizimisi rakasimba sangano neboka reutungamiriri rinowedzera kuvimba kwevatengi. Kusiyana neizvi, kambani yeInishuwarenzi iyo inogara ichichatengwa uye inotengeswa inopa pfungwa yekusaziva uye vatengi vanogona kutora bhizinesi ravo kune imwe nzvimbo.

• Mhosva Dzinobhadharwa : Kana kambani ine zvikwereti zvakawanda zvekubhadhara mune imwe yegore yezvemari kana gore, inogona kuderedza chikwereti chekwereti uye kukwanisa kubhadhara chikwereti kana zvikwereti zvinotevera kuvatsigiri vesangano.
• Tarisa : Masangano ekuenzanisa anofunga nezvebhizimisi rebhizimisi rekambani. Zvishoma zvishoma zvinogona kureva kuti kambani icharasikirwa nebhizimusi kana misika inoshanduka.

• Mari Inoshandiswa : Imwe kambani ine zvikwereti zvakasimba zvemari inokwanisa kukwanisa kusungirirwa kwayo yese yezvemari uye kubhadhara zvikwereti kune avo vanochengetedza mari. Iri rakachengetwa rezvemari richabatsira zvakare kambani yemamiriro okunze chero nguva yakaoma yezvehupfumi kana mamiriro ematengesi asina kunaka pasina kuipa kusingaiti.
• Kufananidza Nevezera Rako : masangano emishuwarenzi anoenzanisa kushanda kwemari kwekambani yeinishuwarenzi nevezera ravo-avo vanotengesa mhando dzakasiyana dze inshuwarisi uye zvakafanana nehukuru uye kuchengetedza mari. Vatambi vakanakisisa vanobva vadzoka nevanonyanya kukoshesa.

Simba rezvemari rakakosha kubva kumasangano ehurumende yehushandi inokosha zvikuru kumakambani einishuwarenzi. Kushaya mari kwekushaya mari kunogona kureva kukanganisa kuvimba kwevatengi nekuderedza kukwanisa kwekambani yekuita purofiti. Imwe kambani inogara iine huwandu hwakakosha kubva kune inishuwarenzi yehurumende masangano gore rimwe nerimwe iwe unogona kunzwa wakachengeteka kuisa bhizinesi rako. Basa rekutengesa uye kugutsikana kwevatengi kunopawo basa. JD Power uye Associates mubayiro wekugutsikana kwevadzidzi kunowanikwa kune vanoita zvepamusoro mune imwe yveshuwarisi yakadai sehutano, motori, imba uye inshuwarano yehupenyu.

Kuita Zvaunosarudza

Munhu wose anoda kuwana zvakanakisisa pane inshuwarisi .

Sei uchitenga mabhizinisheni kune zvakanyanya kuoma pane zvaifanira kuva? Shandisa sangano re inshuwarisi sangano kuti uwane makambani makuru kune rumwe rudzi rwe inshuwarisi. Kubva ipapo, iwe unogona kuderedza kutsvaga kwako nekutsanangura yako purojekiti. Iwe unogona kutonga kuti wakasununguka unonzwa sei nevatengi vanoona apo iwe unosangana nekambani yekutsvaga inshuwarisi. Ishamwari yekambani inoshamwaridzana here? Iro inopa mikana yakawanda yekubhadhara here? Iwe unofanirwa kusarudza izvo zvinokosha kwauri iwe mu inshuwarisi yako yekambani. Yeuka kutengesa zvakanyatsonaka uye kunzwisisa zvauri kutenga. Kana pane chimwe chinhu chausinganzwisisi pawakapedza svondo ye inshuwarisi, nguva dzose iva nechokwadi chekubvunza. Zvakakoshawo kuti ipe ruzivo rwakakwana uye ruzivo kuti uwane yakanyanyisa yakawanda inshumo inogona kuitika.