Tungamira Inishuwarenzi Basics
Kufamba nguva dzose kunosanganisira zvipingamupinyi - zvakadai semukana wekurwara kana kuva nenjodzi, kurasikirwa kana kuva nezvinhu zvako zvinokosha zvakabiwa, ndege dzisina kurasikirwa uye kunyange kurasikirwa noupenyu munguva dzakaoma. Inishuwarenzi yekufamba inogona kukupa rugare rwepfungwa nekubatsira kuderedza mukana wako wekurasikirwa kwemari kunobatanidzwa nezviitiko izvi. Kune mishanu mikuru mikuru yekufambiswa kweinishuwarenzi, kunyange zvazvo iwe unogona kutenga mazano ekutsigira kugoverana kwezvinhu zvinokonzera zvakadai sekuvharwa kwekuzivikanwa . Kune marudzi mashanu makuru mafirimu inshumo anopiwa. Zvizhinji zvezvinhu izvi zvakasiyana-siyana zvekushandura inshuwarheni zvinogona kutengwa mukubatanidzwa kwehupenyu inshuwarano purogiramu:
- Flight Insurance: Flight inshuwarheni inonyanya inshuwarisi yehupenyu inokufukidza iwe kana mhirizhonga ichikurumidza panguva yako.
- Mhaka yeInishuwarenzi: Izvi zvinosanganisira mutoro wako unogona kunonoka, kurasikirwa kana kukuvadzwa panguva yako rwendo kana kuti ndege. Iyo inowanikwa mune dzakawanda pechipatara inofambisa inishuwarenzi. Ikoko kunogona kunge kune zvikwereti kana mutengo wemari pamabhandi, magetsi kana zvimwe zvinhu zvinodhura.
- Kurambidza Kurwisana / Kurasira Inishuwarenzi: Izvi zvichafukidza mari yako kana rwendo rwako ruchivhiringidzika nekuda kwechikonzero chisingafanoonekwi sehutano kana kuti kurongwa kwakarongwa iwe wawabhadhara kana kubviswa. Inishuwarenzi inobhadhara mari isingadzokeri yawakabhadhara mukutora rwendo. Rudzi urwu rweinishuwarenzi runogona kukufukidzawo iwe paunenge uchifanira kukanganisa rwendo nemhaka yengozi kana kutadza kwemamiriro okunze.
- Inishuwarenzi yeUrapa: Mutemo wekufambisa mune zvehutano unopa humwe huwandu kana uchifamba munyika yose uye unogona kubatsira kubhadharisa kubhadhara kana "kunze-we-network" anopa mhosva yako yehutano inshuwarisi hairipo. Kazhinji, rudzi urwu rwehutano inishuwarenzi hunotora uye huripa mari yako yekutarisira mari iyo yako hurongwa hwehutano hwehutano husingawaniki.
- Kubvisa Inishuwarenzi: Kana iwe uchitenga kusununguka kwehushuwarisi, izvi zvichavhara mari yekukutakura iwe kuchipatara umo iwe ungagamuchira kurapa kwakakodzera kana paitika dambudziko. Iko rudzi rwehutano huri pasi pekuregererwa kwezvinhu zvinokuvadza zvakadai sekudenga, kunyange zvazvo kuwedzerwa kwekuwedzera inshuwarisi inogona kuwanika kuvhara mabasa ezviitiko zvekuvhima.
Ndiani Anoita uye Haasina Kutendera Inishuwarenzi
Iko kune makambani akadai seChipinda Guard, Tin Leg , Travelex nemamwe makambani einishuwarenzi anonyora chete inshuwarisi yekufamba. Inishuwarenzi yekufamba inogonawo kupiwa kwauri mune chikamu chemvumo yekubhadhara motokari sechikamu chezororo rezororo chakatengwa kubva kune kambani yekufambisa. Kune mumwe munhu anofamba zvakanyanyisa uye anoda rugare rwepfungwa kuziva kuti ivo vakafukidzirwa muchiitiko icho chakaipa kwazvo chinoitika munguva yewendo, inshuwarisi yekufamba ingava pfungwa yakanaka.
Zvisinei, kana iwe usingawanzofambi kana kuenda kune humwe hutano huri kune rumwe rudzi rwehushuwarisi, kutenga inshuwarisi yekufambisa inogona kunge iri kuparadza kwemari.
Chii Chinokosha Kwaunogona Kuve Uchida
Mune zvimwe zviitiko, kurasikirwa kwakarongeka-kufamba kungave kwakafukidzwa neinishuwarenzi yako yevaridzi, inshuwarisi yeimba yevana , inshuwarisi yezvehutano kana kunyange kugoverwa kwekurasikirwa kunopiwa nekambani yako yekadhi yemakadhi. Inobhadhara kutarisa mune zvinyorwa zvingangove zvave zviripo pane usati wasarudza kutenga mamwe mairi inshuwarisi yeushamba iyo iwe usingadi.
The Bottom Line
Iwe chete iwe unogona kusarudza kana mari yekufambisa inishuwarenzi yakakosha rugare rwepfungwa rwekudzivirirwa pamusoro pematambudziko emari anosangana nekufamba. Kana iwe uchifamba zvakanyanya uye uchida kuva nechokwadi chokuti iwe wakachengetedzwa, tora nguva yekutenga nekupoteredza uye kuwana zvakanakisisa pane inshuwarisi .
Iva nechokwadi chekuti hauna kutombotarisana nezvengozi dzekufambisa neshuwarisi yakavapo kare usati waita chisarudzo chekutenga mamwe ma inshuwarisi ekufambisa. Kana iwe ukatenga kutenga inshuwarisi yekufamba, verenga zvinyorwa zvakanaka kuti uone kuti unoziva chii uye kuti ndiani anovharwa paunofamba uwandu hwehurumende yveshuwarenzi uye dhora rezviyero zvekutaura uye mimwe mitemo yemiganhu.