Ndiani Anishuwarenzi
Ndiani anokodzera se insured pasi pekutengeserana kwezvokubhadhara mutoro ? Mhinduro yacho inogona kuwanikwa mundima inonzi Ndiani An Insured.
Iyi ndima inongorodza zvitatu zvemapoka (vanhu kana masangano) ayo anonzi insureds pasi pekuita basa. Dzinosanganisira:
- Iwe Uyu ndiye anonzi inshuwarisi, zvinoreva kuti munhu kana sangano rakanyorwa mumashoko ekuzivisa.
- Vashandi Vanobvumirwa Chero Ani zvake anoshandisa motokari yakavharwa nemvumo yako ndiyo inshuwarisi.
- Vanonyanya Kuita Makakatanwa Izvi zvinosanganisira chero ani zvake ane mhosva yekufambisa kweanonzi anishuwarenzi kana kuti munhu anogumira.
Chirevo chechitatu chinotaurwa pamusoro apa chinonzi omnibus clause nekuda kwemashoko aro akawandisa.
Inovhara Dambudziko Rinoitwa
Iko omnibus clause inowanzovhara chero ani zvake angave akatongwa nokuda kwekuregererwa kwako kana kwekuregererwa kwevashandi vanobvumidza. Iko ndiko kuti, inosungira chero ani zvake anenge achida kukanganisa kusarirwa kunoitwa newe (anonzi anishuwarenzi) kana kuti mutyairi ane kodzero.
Mutoro unoremekedza unoreva mutoro unonzi kune mumwe munhu kunyange zvazvo sangano iro risina kuita zvakananga chiito chisina hanya.
Munhu kana kambani inogona kubatwa mhosva yekutadza kweumwe munhu nekuda kwehukama hwepamutemo.
Anoshandira angave akabatwa achida kukanganisa njodzi yemotokari inokonzerwa nebasa risina hanya. Izvi ndechokuti vashandi vanokweretwa pasi pemutemo wakafanana wekuregererwa kwevashandi avo vanoita munguva yebasa ravo.
Mune mamwe mamiriro ezvinhu, kambani yepamusoro inogona kutarisirwa kupiwa mhosva yekukuvadzwa kunotsigirwa nechetatu mumusana panjodzi yemotokari inokonzerwa nehurumende inopesana. Kana mukuru wekambani anotongwa semugumisiro wenjodzi, iye angave akafukidzirwa kune sutu pasi peomnibus clause mubato rekutengesa motokari. Heano muenzaniso.
Muenzaniso
Vagadziri Vavaki vemuzvivako vese vakagadzirwa kuti vavake chivako chehofisi. Easy Electriciyo inogadziriswa magetsi akashandiswa neVashy Builders kuisa wiring mune chivako chitsva. Jim anoshandira vavaki vanovaka basa semutariri webasa remabasa. Rimwe zuva Jim anobvunza Ed, mushandi weElectric Electric, kuti atore mutoro mukuru wezvigadzirwa zvekuvakira pane imwe nzvimbo uye anotakura zvinhu kune nzvimbo yebasa. Imwe chete motokari inowanikwa ipepi inoshandisa Easy Electric. Ed anonetseka kuti pikicha haikwanisi kutakura mutoro wakakura kudaro, asi Jim anorega zvaanofunga. Anoti zvinhu izvi zvinodiwa nokukurumidza uye Ed inoda kukurumidza. Ed inowirirana uye inoendesa kunotora zvinhu.
Ed ari kudzokera kunzvimbo yebasa mumapikari akaputika apo rori rinoputika pamotokari inotungamirirwa naJane. Jane akakuvara uye anoona Soro Rakaoma kuti rikuvadze mumuviri .
Anoshevedzerawo vavaki vanovaka, vachikwikwidza kuti Busy inobhadhara chikwereti. Jane anotaura kuti nguva yakaitika njodzi yacho, motori yacho yakanga ichiendeswa kunotungamirirwa nemutariri weBusy Builders. Jim aiziva (kana aifanira kunge akaziva) kuti chikwata chakakanganiswa chaiva dambudziko rinogona kutungamirira kune ngozi yemotokari. Kunyange zvazvo pasina mushandi weBusy aityaira motokari pakaitika njodzi yacho, kontrakta mukuru ane mhosva yekukuvara kwaJane.
Vashandi Vanokwanisa vangave vakakodzera kugoverwa pasi pemusana we omnibus muAlex Electric yekutengeserana motokari yemitemo . Inobatsira ndeye inshuwarisi nokuti inokonzerwa nekufambisa kwevashandi veElectric.
Kwete Zvibvumirano Zvinodiwa
Iko omnibus clause inopedza kukosha kwekuwedzerwa kwekuchengetwa kwebhizimisi pasi pekutengeserana kwehurumende mutemo. Ani naani ane mhosva yekufambisa kweiyo anonzi inshuwarisi kana kuti mutyairi wekutendera anovharwa kamwe chete.
Mumuenzaniso wekare, Buildy Builders yakafukidzwa seye inshupisi pasi peAlex Electric yemotokari yemitemo. Hapana kuvimbiswa kunokosha.
Cherechedza kuti mutsara we omnibus munharaunda yekutengeserana yekutengeserana inoshanda chete kune zvakakosha. Hazvizofukidzira chikwereti chomumwe munhu chakakonzerwa nematambudziko emotokari kana munhu iyeye asina inshumo pasi perairo.