Izinkampani zomshwalense okwamanje ziyazibuyekeza, zinikeza ukuvikelwa okuphelele kubo bonke abasebenzisi. Kungakhathaliseki ukuthi hlobo luni lomcimbi ongase wethulwe, umnikelo a umshwalense futhi uqhubeke nokuphila kwakho kwansuku zonke ngokuthula kwengqondo.
Iyini Ipholisi Yomshwalense?
Kulesi sihloko sizokwazisa yonke into ehlobene nentuthuko abadayisi bomshwalense abanayo e-Mexico, okwenza kube nokwenzeka ukwenza imisebenzi ethile ku-inthanethi, njengokukhokhela inkontileka yakho. Kubalulekile ukwazi Okuyi- umshwalense? ngaphambi kokwenza isivumelwano.
Kuyisivumelwano lapho omunye wezinhlangano ezinentshisekelo, obizwa ngomshwalense, enesibopho sokulungisa noma yimuphi umcimbi, ukukhava inani ngama-pesos noma ngolunye uhlobo lwemali kulabo abathintekile.
Lapho ukuqinisekiswa komcimbi kwenziwa okuvele kukhonjisiwe encwadini yokuxoxisana, njengokushintshaniswa kokukhokhwa kwezindleko, okubizwa ngokuthi i-premium, yi-insured. Umshwalense uhloselwe ukubhekana nanoma yiluphi uhlobo lobungozi uma kukhona inzuzo engavikeleka.
Umshwalense angase avumelane nenkampani enenkontileka, ethembisa ukukhokha kuze kuqedwe yonke imali ekhokhwayo, ibe njengenzuzo ijazi elinikezwa umshwalensi, ukugwema ukuthi ngesikhathi senhlekelele kufanele akhokhe isamba ephaketheni. ngaphezulu, uma kuzokwenzeka okubi.
La umshwalense, inemisebenzi kanye nenkokhelo evela kuzo zombili izinhlangothi, kusukela lapho isivumelwano sisayinwa.
Khokha Inqubomgomo Yomshuwalense ku-inthanethi
Okokuqala, ikhasimende umshwalense ofuna ukuyikhansela ngewebhu, kufanele ufake inkundla yezomthetho yenkampani lapho unenkontileka. Uma usekhasini, kufanele uthole indawo yamakhasimende noma abasebenzisi, ukwenza ukubhaliswa okufanele ngokubeka yonke imininingwane edingekayo futhi uyibeke kwinkontileka yenkampani.
Ngemuva kokudala i-akhawunti yomuntu siqu ngaphakathi kwekhasi, okulandelayo ukuthola kumenyu "Inkokhelo ye-Premium"Noma"inkokhelo yomshwalense"(njengoba kungenzeka, kwezinye izimo ungashintsha amagama kuye ngokuthi inkampani), okulandelayo ukukhombisa ukuthi inkokhelo izokwenziwa kanjani, iziteshi ezisetshenziselwa le njongo yilezi ezilandelayo:
- Ikhadi lesikweletu, kungaba yiVisa noma i-MasterCard.
- Khokhisa ku-akhawunti yamanje yebhizinisi lasebhange.
- Yenza ukudluliselwa ku-inthanethi.
Uma indlela inkokhelo ezokwenziwa ngayo isichaziwe kakade, kubalulekile ukuthi ulwazi lomuntu siqu kanye nethuluzi elikhethiwe ukuba likhanselwe, njengekhadi noma incwadi yokuhlola, nakho kubekwe, ngale ndlela ukuqoqwa kwemali ehambisanayo. kumshwalense we-inthanethi ngokuzenzakalelayo futhi ngaphandle kokumosha isikhathi.
Vele ulinde imizuzu embalwa ukuze kunikezwe ulwazi lwe-invoyisi yokukhokha, ethunyelwa ngendlela efanayo yewebhu, nalokhu ukukhokha kweprimiyamu kuqinisekiswa. Kulula kakhulu.
Izidingo Zokwenza Inkokhelo Yomshwalense Ku-inthanethi
Lapho ukukhokhwa kwe umshwalense ngokwedijithali, okudingayo nje uchungechunge lwesitifiketi iklayenti elinalo.
Le nombolo yileyo ekhomba umsebenzisi enkampanini yomshwalense lapho inkontileka ingeyenkontileka, lapho enikeza lolu lwazi ngokushesha uba nempendulo yemali okufanele ikhokhwe, usuku okufanele ukhokhe ngalo kanye nayo yonke idatha exhunyiwe. ngerekhodi leklayenti. .
Ukwengeza lokho okushiwo ngenhla, kuyadingeka ukwazi indlela yokwenza ukuthi ukuthengiselana kuzokwenziwa kanjani, okumele kuqinisekiswe inkampani enenqubomgomo yomshwalense esebenzisa i-cyberspace, yazi ukuthi lezi ziteshi zihlukile phakathi komshwalense ngamunye.
Ukuze uqedele, umsebenzisi udinga ukwenza inkokhelo yakhe ku-inthanethi ukuthi abe nemali eyanele yokumboza inani lemali ekhokhwayo, abe nokuxhumana kanye nemizuzu embalwa kuphela yamahhala yokwenza inqubo, into ebalulekile ukwenza konke njengoba kubonisiwe. bese uqeda ngenkokhelo, ukukhokha umshwalense.
Izinzuzo zokuba ne-Online Insurance
Izinzuzo ezigqama kakhulu uma unenqubomgomo yomshwalense enekhasi ku-cyberspace zibalwe ngezansi:
- Enye yezinzuzo zokuba nenkampani yomshwalense enenkundla yewebhu ukuthi umsebenzi wokukhokha wenziwa ngendlela ekhululekile ngaphandle kokumosha isikhathi.
- Akusadingeki ukuya ehhovisi lebhange noma ihhovisi lebhokisi ukuze wenze idiphozi yemali yomshuwalense, manje isikweletu singasulwa emsebenzini noma ekhaya.
- Futhi ukwenza inkokhelo yomshwalense ku-inthanethi kuyo yonke indawo yaseMexico ukuvumela ukuba nezingxoxo ezingenasikweletu nenkampani, ngalokhu kugwenywa ukuthi kufanele ukhokhe iphesenti lokukhokha sekwephuzile, uma umnqamulajuqu udluliwe, ukufeza indlela enhle ukuthi zonke lezi zinzuzo ezixhumene nalolu hlobo lwesivumelwano zingaba nazo.
- Inzuzo yokugcina okufanele ikhulunywe, kodwa lokhu akusho ukuthi kubaluleke kakhulu, ukuthi ukukhokhwa kwemali yomshuwalense kungenziwa nganoma isiphi isikhathi futhi nganoma yisiphi isikhathi, azikho izinhlelo zokukwenza, nalokhu kucace ukuthi Asikho isikhathi esizomoshakala ukugcwalisa isibopho sokukhokha nokuvumela umnqamulajuqu ukuba udlule bese kudingeke ukuthi kukhanselwe iphesenti ngenxa yaleso sizathu.
Ngalokhu kuyacaca ukuthi kuyazuzisa ukuba nomshwalense onohlelo lwe-inthanethi.
Izinkampani Zomshwalense Ezibaluleke Kakhulu eMexico
I-Mexico inohlu olukhulu lwezinkampani zomshwalense, kunzima ukwazi ukuthi iyiphi kubo engcono kakhulu lapho ukhetha, yingakho iqembu labo likhethiwe, ukukwazisa izinzuzo zomunye wabo.
I-Qualitas Insurance. Ingenye yemishwalense ecatshangelwayo futhi kuphakanyiswa ukuthi ikhethwe ngesikhathi sokusebenzisana kuyo yonke indawo yaseMexico.
Le nkampani yomshwalense ehlinzeka ngemisebenzi ezweni lonke, okukhethekile kwayo ukwenza izinkontileka zezimoto futhi isineminyaka engaphezu kwamashumi amabili isemakethe namakhasimende aseMexico.
Ukugqama kuzo zonke izinkampani ezizinikele kulo msebenzi, njengoba ukufakwa kwawo kuphakeme, ngobuchwepheshe besimanje obuqinisekisa bonke abasebenzisi bale nkampani.
Umshwalense we-AXA. Lena yinhlangano yomshwalense enekhethelo lokuqashelwa emhlabeni jikelele, ekubeni isemakethe iminyaka engamashumi amathathu yesipiliyoni futhi inabanikazi bamapholisi abangaphezu kwezigidi eziyikhulu emhlabeni jikelele.
Njengo-Quálitas, inkampani i-AXA inguchwepheshe umshwalense ezimotweni, ukuvikela zonke izinhlobo zezimoto onazo nokuthi imibandela yayo ayiqinile kanjani uma kuziwa emaphaketheni ayo okuxhasa ngezimali.
Umshwalense we-BBVA. Inkampani yomshwalense enikezelayo umshwalense wezimoto futhi unezinkontileka zomshwalense wasekhaya, wezempilo kanye nowempilo. Iwumshwalense olungile uma kuziwa ekuvikeleni wonke umndeni weqembu.
Inkampani yomshwalense ye-BBVA ibamba abasebenzisi bayo ngoba endaweni eyodwa ungathola umshwalense wayo yonke into oyidingayo ukuze uyivikele, ucabanga ngempilo yomndeni, njengokuvikela imoto noma ukuzinakekela.
Uma kuziwa ekutheni kulula kangakanani ukubhalisa nokuthenga inkontileka, i-BBVA njengomshwalense igqama kakhulu kwezinye izinkampani ezifanayo ezishiwo kule ncazelo.
INational Provincial Group Insurance. Umshwalense obizwa ngama-initials awo (GNP), kule makethe ungomunye wabanolwazi kakhulu ezweni lonke, futhi ngalokhu kuza ukwethemba ekwenzile eminyakeni edlule ukwenza izinkontileka zomshwalense wempilo neyezimoto. .
Amaphakheji i-GNP enawo adalwe ukuze avumelane nanoma yisiphi isimo esiyingqayizivele iklayenti elinalo, ukuvikela ozuzayo ngendlela okungekho enye inkampani engayenza ngenxa yohlobo lwengozi engenzeka futhi ekhaviwe.
I-Mapfre Insurance. Ukuqeda uhlu, kuzokhulunywa ngalo mshwalense okhula kakhulu nsuku zonke kule minyaka eyishumi edlule.
Enegama le-Mapfre Seguros, futhi inikeza isevisi enikeza inzuzo yokufakwa okuphelele uma kuqhathaniswa nabanye abasesigabeni sayo, ukuhlinzeka ngokuphepha ezimotweni ezisezweni.
Le nkampani yaseMexico inezindleko ezinhle emigomeni yayo kanye nenhlangano evikelayo ngaphandle kwerekhodi, lokhu kufanele kubhekwe uma kukhethwa umshwalense ovikela imoto ngaphandle kokumosha isikhathi nangendlela enhle kanjalo nezinga lomndeni.
Izigaba Zezinqubomgomo Zomshwalense
Okulandelayo, izinhlobo eziningana zemishwalense zizoboniswa ezizokwandisa ulwazi lapho kukhethwa uhlelo. Ngokuyisisekelo lawa amakilasi omshwalense:
- Ngokumelene nabanye abantu noma abantu besithathu.
- Abantu besithathu noma abantu bebonke.
- Nokuchelela ngokugcwele.
Kuye ngenkampani, banamaphakheji ahlukene kanye nezivikelo, ezenziwe ngokwalokho okudingwa yiklayenti. Kubalulekile ukwazi ukuthi lezi zinkontileka ziquketheni, ukuze a isibonelo senqubomgomo yomshwalense kanye nezigaba ezahlukene:
Isibopho Somphakathi noma Sabanye Abantu. Ukhaviwe ngezicelo ezingase zenzeke ngenxa yomonakalo odalwe ngumuntu onikeze umshwalense, kwabanye abantu noma impahla efana nemoto; okuhlanganisa inani elinikezwe kwinkontileka. Ngolimi lomshwalense kuthiwaUkufakwa kuka-A”, enganikezwa inkontileka yanoma iyiphi imoto esakazwayo.
Ukulahlekelwa Amanani. Izibophezele ekubhekeleleni isikweletu somphakathi kwabanye abantu, okuphinde kubhekelele ukweba noma ukugetshengwa, izicelo zomlilo kanye nomonakalo odalwe kunoma yisiphi isigameko, uma umphumela wengozi ungaphezu kwama-80%. Lolu hlobo lubizwa ngokuthiUkufakwa kwe-B".
Amaqembu Esithathu Aphelele. Inakekela lokho okwenzeka kwabanye abantu, uma kungenxa yokweba noma ukugetshengwa, uma kwenzeka umonakalo womlilo, uma umonakalo uphelele noma iphesenti kuphela. Uma kwenzeka ingozi, akukho okunye okumbozwayo uma kube nokulahlekelwa okuphelele kwemoto. Lolu hlelo luqanjweUkufakwa kwe-C".
Igcwele ingozi. Kuthatha umthwalo wemfanelo futhi uzibophezele ekulimaleni kwabanye abantu, uma kukhona noma yikuphi ukweba noma ukuphanga, umonakalo ngenxa yokuvuvukala, okuphelele noma iphesenti kuphela.
Kungenzeka ukuthi inemali edonswayo, kuye ngezigatshana zenkontileka futhi umthwalo wemfanelo uthathwa ngumshwalense. Ubizwa ngokuthi "Ukufakwa kwe-D".
Note: I-Traffic Law ithi zonke izimoto kufanele zibe nerisidi yomshwalense ukuze zikwazi ukuhambahamba endaweni. Njengesibopho, umshwalense kufanele okungenani ube lula, lapho ukhavwe ngomonakalo kwabanye abantu nezakhiwo zabo, obangelwa umcimbi.
Uma othintekayo ekhetha uhlelo, le nkontileka ibophezela inkampani yomshwalense ukuthi ikhansele izindleko zemali kumuntu ofakwe kumshwalense ngokulahleka okwenzeke, njengoba kushiwo ezigatshaneni zedokhumenti esayiniwe.
Izindatshana ongazithakasela:
Faka isicelo se- Ukubonisana Nerisidi Yenkampani Yegesi YaseMexico
Bheka Ibhalansi bese Ukhokha Wizz Internet eMexico
Cela Ukubonisana Nenkokhelo Yegesi Naturgy Mexico