Iri kupi?
Mitemo yakawanda yekutengeserana ine chinyorwa chekuregesa chirevo chakanyorwa neIOO . Iri gwaro rinowanzowanika mumutemo Mitemo . Zvitemo zvinosanganisira zvinopfuura imwechete zvekugovera zvinogona kuva nemamiriro ezvinhu akawanda zvikamu.
Semuenzaniso, purogiramu yemapato inosanganisira mutoro wepamusoro uye yezvokutengeserana pfuma yepamusoro inogona kunge yakagadzikana nemamiriro ezvinhu ezvimiriro nemamiriro ezvinhu epfuma. Kana mutemo unopa maviri kana kupfuura marudzi ekuparidzirwa, chirevo chekuregesa chinowanzoonekwa mune imwe fomu yakasiyana inonzi Common Policy Conditions (kana chimwe chinhu chakafanana).
Who Can Cancel This Policy
Murairo wekuregererwa kwechirevo unotaura kuti mutemo unogona kuregererwa nemumwe wemapato maviri: wokutanga anonzi bhizimisi kana inshuwarisi . Wekutanga anonzi inshurenzi ndiye munhu kana sangano rakarongerwa kutanga mukuzivisa, kana mutemo unosanganisira anopfuura rimwe anonzi inshuwarisi .
Wekutanga anonzi bhizimisi anogona kubvisa mutemo panguva ipi neipi nekutumira kana kutumira zvinyorwa zvakanyorwa kune inshuwarisi. Cherechedzo inofanira kupiwa "nguva pfupi." Izvi zvinoreva kuti kana muridzi webhizimisi achida kuti chirongwa chacho chibvumirwe pazuva rakatarwa, iye anofanira kuudza iyo inshuwarisi gore risati rasvika.
Iyo ISO yekudzivisa chikamu inobvumira inshuwarisi kuti ibvise hurongwa hwako hwekusabhadhara mari yepayumu kana chero chimwe chikonzero. Mune zvimwe zviitiko, bhizimisi rinofanira kutumira tsamba kana kutumira chiziviso chakanyorwa kwauri (wekutanga anonzi inshuwarisi) munguva yakatarwa. Kana mutemo wacho wakabhadhara nokuti hauna kubhadhara mubayiro, iyo inshuwarisi inofanira kutumira tsamba kukuzivisa kwauri kwemazuva gumi kusati kwasvika kubviswa.
Kana iyo inshurensi inogona kukonzera chero chimwe chikonzero, inofanira kutumirwa chiziviso kwauri kwemazuva makumi matatu zvisati zvaitika.
State Laws
Murairo wekuregererwa kwemugwaro unobvumira bhizinesi kuti ibvise purogiramu yako nekuda kwechikonzero chipi zvacho chinosarudza. Nenzira yakanaka, mashoko aya akawandisa kazhinji anowirirwa nemutemo wehurumende. Vakawanda vane nyika vane mitemo inotarisa nguva uye sei iyo inshurensi inogona kubvisa inshuwalisi (kusanganisira inshuwarisi binder) . Mitemo iyi inowanzo ine zvigadziro zvinopesana nechirevo chekuregererwa. Izvo zvigadziro zvehurumende zvinowanzoshandurwa mumvumo yakabatanidzwa nemutemo.
Zvinenge zvose zvinotendera bhizinesi kuti ibvise purogiramu chero nguva yekusabhadhara mari yepayimusi kana bhizinesi ichizadzisa chiziviso chekuda. Zvisinei, mitemo yakakosha inoshandiswa apo vatsigiri vanovhara mitemo yezvikonzero zvimwe kunze kwekusabhadhara kwepayamu. Semuenzaniso, bhizimisi vanogona kutarisirwa kupa chinyorwa chemazuva makumi mashanu, makumi matanhatu, kana 90 panzvimbo pezveripi remazuva makumi matatu (30) chiziviso chakapiwa nechirevo chekuregererwa.
Vamwe vanoti vanobhadhara mabhizimisi kubva pakutsvaga mitemo kunze kwemamwe mamiriro ezvinhu. Heano zvimwe zvikonzero kuti inshurensi inogona kubvumidzwa kubvisa:
- Iyo inshukoni yakundikana kubhadhara premium.
- Iyo inshurenzi yakaita inshuwarisi yeukodhi .
- Munhu akachengetwa akapiwa mhosva yekuputsa mutemo wehurumende kana wehurumende, uye kudarika kwaita kuti bhizimisi risvike.
- Iyo inshupiti inoputsa nemaune imwe kana kuti mamwe maitiro ekuchengetedza.
- Iyo inshukoni yakundikana kuita zvirongwa zvekurasikirwa kwekutadza izvo zvaive mamiriro ekugadzirisa.
- Reinsurance iyo inshuwarisi yakambowanikwa pabhizinesi re inshuwarisi kana pfuma haisisipo.
Dzimwe hurumende dzinorambidza mabhizimisi kubva pakurambidza mitemo panguva ipi zvayo kunze kwezvikonzero zvataurwa. Vamwe vanobvumira bhizinesi kuti vasiye mitemo nokuda kwechikonzero chero chipi zvacho panguva imwe nguva, zvakadai semasikati makumi matanhatu kubva pamutemo kubva pakutanga. Mushure mokunge nguva iyoyo yapera, vatsigiri vanogona kubvisa chete chikonzero chakanyorwa mubvumirano.
Kudzivirira kwakadzika Tora Chinoitika
Mitemo yehurumende inowanzopa kudzivirirwa kwakakwana kune vatevedzeri vehurumende kupfuura chikamu chekudzivisa murairo.
Muchiitiko ichi, mutemo uchapedza mutemo. Kana iyo mitemo yepurogiramu yakazara pane inotarisirwa nemutemo wehurumende, ipapo izwi rehutano richashanda. Somuenzaniso, fungidzira kuti mutemo unopa chiziviso chemazuva makumi mapfumbamwe chekuregeswa kwechikonzero chero chipi zvacho kunze kwekubhadhara mari yepayumu. Mutemo unopa maziso emazuva 60 chete. Muchiitiko ichi, zvigadziro mumutemo zvinodarika mutemo.
Vazhinji vehurumende vakazvigadzirira "shanduko" yekubvumirana iyo inotsanangura mamiriro ezvinhu apo chirongwa chinogona kubviswa. Izvi zvinogamuchirwa zvinowanzomira, zvinoreva kuti zvinofanira kunge zvakabatanidzwa nemutemo wako.
Kuparadzanisa zvikamu zvinoparadzaniswa zvakanyanya kubva kuhurumende kuenda kunyika. Kuti uwane kuti zvipi zvinoshandiswa zvinoshanda munharaunda yako, taura newaini yako yehushuwarisi , dhipatimendi rehurumende yveshuwarisi kana gweta.
Dzorera Premium
Kana hurongwa hwako hukwaniswa, wako insurer anofanira kukubhadhara iwe premium isina kuwanikwa. Kuwanda kwebhadharo kunogona kusiyana zvichienderana neavo vatangisa kuregererwa, iwe kana wako insurer. Kana iyo inshurenzi yakatanga kuregererwa, kubhadharwa kwako kwekubhadhara kunofanira kuverengerwa pane-pro-rata. Kana wakakumbira kuregererwa, kubhadharwa kwako kwekubhadhara kunogona kuva pfupi.
Somuenzaniso, funga kuti urongwa hwako hwave huchishanda kwemwedzi mumwechete apo unodzingwa nemubhizimisi wako. Kudhura kwako kwekudzoka kwako kunofanira kuva 11/12 (92%) yepamende yegore rose. Zvisinei, kana iwe wakatanga kuregererwa, kubhadharwa kwako kwekudzoka kuchava nguva shomanana, iyo isingapfuri ne-pro-rata. Iyo inshuwarari inochengetedza chikamu chemari yepuraimari yekuvhara mari yekushandisa mari.
Mortgage Clause
Pakupedzisira, ngatiti iwe une chivako chekutsvaga chawakatenga nemari. Iwe wakachengetedza chivakwa chako pasi pekutengesa pfuma yepamutemo . Icho ISO chekuregererwa chinyorwa hachirevi kutora chikwereti (vateresi). Kunyangwe zvakadaro, mubhadhadzi wako anosungirwa kuzivisa wako chikwereti kana ichikanganisa pfuma yako inshuwarisi. Sei? Mhinduro yacho inogona kuwanikwa mumutemo we mortgage clause mune yako purogiramu yemugove.
Iyo mortgage clause inoda inishuwarenzi kuzivisa wako chikwereti nguva isati yasvika kana inogona kukanganisa mutemo wako. Iyo inshuwarisi inofanira kupa chinyorwa chemazuva gumi kana ichikwanisa kubhadhara chikwereti chekutanga uye chemazuva makumi matatu chekare kana ichikanganisa chero chimwe chikonzero. Mutemo wehurumende unogona kutora nguva refu yekuzivisa.