Kwiimeko ezininzi, i-inshurensi yokuhamba ingaba ngumntu osindisa ubomi xa efika ekude ukusuka ekhaya. Abo ba khuselwe yiprogram yomshuwalense wendwendwe yendabuko okanye abo banikezwa ngabanikezeli bamakhadi abo bekhredithi banokufumana uncedo xa iindwendwe zibaleka, imithwalo ilahleka, okanye xa yalimala engozini-egcina amawaka eedola ekunakekeleni nasekubuyiseni.
Kuzo zonke iinjongo ezintle ze-inshurensi yokuhamba, kukho iindidi zeengxaki ezizimeleyo abahambahambayo abangena kuzo, zonke ezivela ekuthengeni isicwangciso esingalunganga. Ukususela kwizibonelelo ezilahlekileyo ngenxa yokuvumela iintsuku eziphambili zithengise ukuthenga uhlobo olungafanelekanga lokubhengezwa ngokupheleleyo, abo abangayiqondi i-ins kunye nokuphuma kwe-inshurensi yabo yokuhamba bangenza iimpazamo ezinkulu ezingabakhokelela ekugqibeleni.
Ngaphambi kokucwangcisa uhambo, kubalulekile ukuqonda iimpazamo ezinkulu ze-inshurensi yokuhamba nganye ihambo. Nazi izihlwele ezisixhenxe eziqhelekileyo ezininzi kwiintengiso zamazwe ngamazwe ezijongene nokuthenga i-inshurensi yokuhamba.
01 ngo 07
Ukungathengi I-inshurensi yokuThuthuka kweeNkcitho
Maik Schmalenberg / EyeEm / Getty Izithombe Xa uceba uhambo, abahambi banokuzifumana bebanjwe kwiinkcukacha ze-adventure yabo ezayo, kubandakanywa ukugqiba indawo yokuhlala kunye nokuhlala. Imfuno yomshuwalense yokuhamba rhoqo iwela kwicala lendlela ngexesha lokucwangcisa, lishiye emva kokulandela.
Kule meko, abahambi abanako ukuthenga i-inshurensi yokuhamba kude kube sekude kakhulu. Iingcali ezininzi zokuhamba zincoma ukuquka ukucwangciswa kwe-inshorensi yokuhamba kwinqanaba lokuqala.
Ngokwe-insureMyTrip ye-inshurensi yehambo yokuhamba, kukho amaxesha amathathu athile ekuthengeni isicwangciso se-inshurensi yokuhamba: xa idiphozithi yokuqala eluhambweni ifakwe, kungekudala emva kohambo lukhishwe, okanye nje ngaphambi kokuhamba. Abahamba ixesha elide bafuna ukuthenga iplani ye-inshurensi yokuhamba, iintlobo ezingaphezulu kwabo abangaphuthelwa kuzo.
Umzekelo: abahambi abaneemeko zonyango ebezikhona ngaphambili abalindele ukuthenga isicwangciso se-inshurensi yehambo lwabo bangalahlekelwa yinkcazo xa kwenzeka ukuphindwa kwemeko yabo. Ukongezelela, abahambi abajonge ukuthenga isicwangciso se-inshurensi yokuhamba ukuya kutsho isiganeko esaziwayo - njengesiqhwithi, isiganeko sogubungela , okanye ukuxakeka kwezonyango - angenakufumana ingqalelo xa ezo zimo zichitha uhambo.
Ukuze ufumane umgangatho ophezulu wokubhengezwa, qi niseka ukuthenga i-inshurensi yokuhamba ngexesha lokucwangcisa uhambo. Abo balungiselela uhambo lwamazwe ngamazwe kufuneka bathenge umgaqo wabo kwiintsuku ezingama-21 zokuqala ngokubeka ukuthenga kokuqala okanye idiphozi.
02 we-07
Ukufihla inani elipheleleyo lohambo lwakho
JGI / Tom Grill / Getty Izithombe Xa uthengisa i-inshurensi yokuhamba kunye nezicwangciso zokuqala okanye idiphozithi yokuqala, abahambi abanakho ukuba bahambisane nabo bonke abahambahambayo. Ngethuba elinye lingayazi ixabiso elipheleleyo lokuhamba kwabo okanye i-airfare, zingase zilahleke ezinye iiplani zezicwangciso zazo, njengeentengo zehotele okanye ukuhamba kwinqanawa.
Kule meko, abahambi abanakho ukugubungela ngokupheleleyo uhambo lwabo ngaphambi kokuhamba ngaphandle kokungeza izicwangciso zokuhamba ezongezelelweyo. Kwimeko apho umhambi efuna ukufaka ibango, abo abangazange bandise umgaqo-nkqubo we-inshurensi yokuhamba kwindleko yohambo bangayifumana isixa esincitshisiweyo kwibango labo-okanye bafumane isabelo sezinto zabo ezingazange zihlanganiswe nonke.
Xa kuthengwa i-inshurensi yokuhamba kwangoko, abahambi kufuneka baqaphele nayiphi na indleko eyongeziweyo emva kokuqinisekisa umgaqo wabo. Iiprogram ze-inshorensi ezininzi zokuhamba zivumela abanikazi bomgaqo-nkqubo ukuba bandise ukufikelela kwabo njengoko izicwangciso zabo ziphuhliswa, zigcina zonke iintlawulo zokuthengwa kwangaphambili kwaye ziyakwandisa kwintsalela yokuhamba. Ngokubandakanya ukuthenga okongeziweyo kwinkqubo yomshuwalense wokuhamba, abavakalisi bamazwe ngamazwe banokuqinisekisa ukuba bahlanganiswe ngokupheleleyo nasiphi na imeko.
03 we-07
Ukungathengi I-inshurensi ngaphambi kokufika
I-Digital Vision / Getty Izithombe Ngelixa abantu abaninzi bengacingi nto yekhaya, i-auto, okanye i-inshurensi yempilo ekhaya, uninzi lwazo zikhuselo aluyi kwezinye iintlanga. Ukuba abahambi bafumana ukulimala okanye abagulayo xa befika, banokunyanzeliswa ukuba bahlawule iindleko zabo zonyango ngaphandle kwepokothini .
Ukuqhubela phambili ukunyanzela izinto, amanye amazwe afuna abahambi ukuba banikele ubungqina bomshuwalense wokuhamba ngaphambi kokuba bamkeleke kwilizwe. Kuba abo bahamba kwiindawo ezithile ezikude okanye ezigunyazisiweyo zehlabathi, kubandakanya iCuba okanye i-Poland, i-inshurensi yokuhamba ingaphezulu kwekhuseleko lomnatha - kuyimfuno kubakhenkethi basemzini.
Abo bafika bengenalo ubungqina bomshuwalense wehambo bafumana enye yeendlela ezimbini: ukuthenga isicwangciso se-inshurensi yokuhamba kwindleko yonyango ebiza ngokubanzi, ejongene nombuso, okanye ukujongana nokungafuni ukungena kulo hlanga kwaye uxoshwe kwikhaya elizayo lokubalekela.
Ngaphambi kokufika, abahambahambayo abahamba ngeendlela zabo baya kuqonda iimfuno zokungena zesizwe sabo esilandelayo, kubandakanywa neemfuno ze-visa kunye neemfuno ze-inshurensi yokuhamba. Ukuba iindawo ezizayo zifuna isicwangciso se-inshurensi yokuhamba, qiniseka ukuba ukhethe isicwangciso esilungileyo kungekudala.
04 we-07
Ukungayiqondi iMigqaliselo yoLondolozo
I-FatCamera / E + / Getty Izithombe Xa abatsha abahambahambayo bacinga ukuthenga isicwangciso se-inshurensi yokuhamba, enye yeengcamango ezingalunganga abajamelene nazo zikholelwa ukuba zixutyushwa kwimeko enye. Iinyaniso kukuba amabango angenziwa kuphela ngokuchasene ngokupheleleyo kweemeko.
Enye yeendlela eziqhelekileyo ze-inshurensi yokuhamba iinjongo ezifihlakeleyo ziza kunye nokukhishwa kwe-inshorensi . Nangona abanye abahambi bakholelwa ukuba banokuvunyelwa ukukhansela uhambo lwabo phantse naziphi na izizathu, ukukhanselwa kokuhamba ngokugqithiseleyo kubandakanya kuphela isithintelo senzeke, kuquka ukufa kwelungu leentsapho okanye ukufumana ingozi yemoto endleleni eya kwisikhululo. Ngaphandle kokuba umthengi athenge "Ukukhansela Naliphi na isizathu", abayi kufumana nayiphi na imali yokubuyiselwa phantsi kwe-inshurensi yebhendi yokuhamba ngaphandle kokuba yawa phantsi kweemeko ezivunyiweyo.
Olunye udaba oluqhelekileyo olungabonakaliyo lubandakanya imidlalo kunye " nemisebenzi enobungozi ." Nangona i-inshorensi yokuhamba ingakhusela ukukhuselwa kweziganeko ezininzi zokuqhubela phambili, kungenakukukhupha ukuphuma kwezemidlalo, izixhobo zemidlalo, okanye ezinye izinto ezinobungozi ngaphandle kokuthenga okungaphezulu. Ngaphambi kokuba wenze izicwangciso zokuqhuba kunye neenkomo okanye ukufumana ezinye iindlela zokuziphatha ezinobungozi, qi
05 we-07
Ukuthenga Umlinganiselo Ongalunganga
UPeter Dazeley / Getty Images Kwabahambi bamabhanki, ezininzi iinkqubo ze-inshorensi zokuhamba zingabonakala zifana. Abahamba njani banokukhetha ukuba yeyiphi enye into efanelekileyo ngaphambi kokuba bahambe?
Xa kuziwa kwi-inshurensi yokuhamba, kukho iintlobo ezintathu zeemigaqo-nkqubo ezimele ziqwalaselwe: unyango, olubanzi kunye nonyaka. Izicwangciso ze-inshorensi zezohambo zonyango zibonelela ngeendlela zokulimala ezibangelwa ziziganeko okanye ukuhlaselwa koogqirha , kodwa akunakucala ukukhupha imithwalo elahlekileyo okanye ihambo ephazamisekile. Isicwangciso esipheleleyo singabhawula ukulahlekelwa kwempahla, ukulibaziseka kwemithwalo, kunye nokukhanselwa kokuhamba, kodwa unganikeli isiphumo esipheleleyo sogqirha lwezokwelapha, kubandakanya ukukhutshwa konyango xa kwenzeka unxunguphako. Ekugqibeleni, isicwangciso- nshurensi sokuhamba ngonyaka singanikeza ubungqina bemihla ngemihla yonyaka ngokwemali yezobonelelo zonyango kunye neyona ndlela, kodwa inokuxhomekeka kwizibonelelo eziphezulu zobomi kunye nokusebenza kuphela xa kukude nekhaya.
Ngaphambi kokuthenga isicwangciso se-inshurensi yokuhamba, qiniseka ukuba uqonda ubungakanani obupheleleyo bokubhengezwa kunye nendlela onokufaka ngayo kuhambo. Kwezinye iimeko, isicwangciso se-inshurensi yokuhamba ngezokwelapha singanikela ngaphezu kwecebo elibanzi-ngakumbi kwiihambo ezide kwiintlanga ezingaphantsi.
06 we-07
Ukuhamba ngezinto ezingabonakaliyo
UManuel Sulzer / Getty Izithombe Xa i- electronics ban banqwelwe abahambahambayo belizwe lonke beya ngqo eUnited States, abaninzi banyanzelekile ukupakisha iikhompyutha zabo zeekhomputha, iikhamera kunye nezinye izinto kwimithwalo ehlolwe. Ngelixa abaninzi beza bahambelana ncamnye, abaninzi babo bebengayi kubanjelwa iinjongo zomshuwalense oqhelekileyo.
Nangona ezininzi iinkqubo ze-inshorensi zokuhamba zifihla imithwalo yokukhangela umonakalo kunye nokulahleka, izinto ezithile ezibuthakathaka okanye izinto ezingabalulekanga zingabandakanywa ukuba zifakwe kwizicwangciso eziqhelekileyo. Imizekelo yezinto ezingabandakanyiweyo ziquka i-electronics, ubucwebe bexabiso eliphezulu, i-antiques kunye neendlalifa, kunye nezinto ezithathwa ngabaphathi bamasiko. Ukuba kukho nayiphi na enye yale nto yonakalisiwe okanye isuswe kwimithwalo, ibango le-inshurensi yokuhamba ayinakwanela ukufumana loo nto.
Xa uhamba kunye nezinto ezinokuthi zithinteke, qiniseka ukuba uya kuqonda oko kuya kugocelwa phantsi kwe-inshurensi yohambo. Ukuba izinto ezingonakaliyo okanye ezilahlekileyo zingabandakanywa kwinkqubo yomshuwalense wokuhamba, kunokufuneka ithunyelwe, iqhutywe nomthwalo wendlela yomhambi, okanye ushiye ekhaya ngokupheleleyo.
07 we-07
Ukunyanzelisa okanye Ukugqithisa Uhambo olulandelayo
UManuel Sulzer / Getty Izithombe Ekugqibeleni, akuzona zonke iingxaki zomshuwalense yokuhamba ezivela kumanqanaba okungaqondani kakuhle okanye ukuthenga isicwangciso esingalunganga. Kwezinye iimeko, abahambi bangathengisa kakhulu inshuwalense okanye encinci ye-inshurensi ngaphambi kokuhamba.
Nangona ababoneleli beehambo (njengeenqwelo zeenqwelo-moya kunye nee-arhente zokuhamba nge-intanethi) zihlala zibonelela nge-inshurensi yokuhamba njengesidima kubathengi babo, ezi zicwangciso zinikeza kuphela inqanaba elincinci lokukhusela. Iipolisi ezithengiweyo zikhawulelwe kwinqanaba lokukhawulela elingakhusela kuphela inxalenye enye yohambo, njengendiza okanye igumbi lehotele. Ukongezelela, ezi zicwangciso zinokunikela kuphela ukubuyisela inani elincinci labafundi, njengengozi zemoto endleleni eya kwindiza, kodwa kungekho endleleni eya ehotele.
Ngakolunye uhlangothi, abahambi abasebenza kunye ne-agent agency, i-alumni corporation, okanye omnye umququzeleli wezohambo ngamanye amaxesha basengozini yokuhlawula kakhulu umgaqo-nkqubo we-inshurensi. Kule meko, umboneleli unokwenza isicwangciso se-inshurensi yohambo olubanzi kwixabiso elithengileyo, elibiza ngokuba yisicwangciso esisemthethweni somgaqo-nkqubo. Kule meko, ixabiso lingahlonyelwa ngumqhubi wezotyelelo ukuze athole inzuzo eyongezelelweyo emva komhambi.
Abo banenkxalabo yokuba ukuhamba kwabo kungagqithiselwa okanye kungagqithiswa kakhulu kunokusetyenziswa ngokuthenga ngeenxa yokuthenga isicwangciso se-inshurensi yokuhamba. Nangona i-inshorensi yokuhamba kufuneka ithengwe ngaphambi kokuba ihambe, abadlali bamazwe ngamazwe akufanele baxinzelelwe ukuba bathenge isicwangciso se-inshurensi yokuqala yokuhamba, abaye bayibona.
Yiba yi-Smart xa ifika kwi-inshurensi yokuhamba
Nangona i-inshurensi yokuhamba ingaba yinto elukhuni ukuxoxa nokuqwalasela, wonke umntu unokuzilungiselela ngaphambi kokuba ahambe ekhaya. Ngokuthenga i-inshurensi yokuhamba nge-inshurensi ngaphambi kokuhamba kwabo, ukuqonda oko kwaye kungagqitywanga, nokwenza isicwangciso xa kukho ibango, wonke umntu unokufumana umlinganiselo ofanelekileyo wokubhengezwa ngaphambi kokuhamba kwabo.
Ngaphambi kokulungiswa kwisicwangciso se-inshurensi yokuhamba, qiniseka kwizicwangciso zophando uze ucinge ukuba ngubani oza kulungelelanisa iimfuno zakho apho uya khona. Kwezinye iimeko, abahambi bangabhekiswa ngokwaneleyo ngababoneleli ngekhadi lamatyala. Kubalulekile ukuqonda ukulinganiselwa kwemigaqo-nkqubo ye-inshorensi yamakhadi-ngxowa-mali, kwaye ujonge ukuthenga iplani ye-inshurensi yenkampani yesithathu engenakho ukunikela ngokukhawuleza kokukhawuleza ngaphambi kokuhamba. Ngokuqonda iingenelo kunye nemingcele ye-inshurensi yohambo abanokuhamba baye benza isigqibo esiphezulu sokuhamba kwabo.
Ngokwenza uphando olufanelekileyo kunye nokubuza imibuzo efanelekileyo, bonke abahambahambayo bangaba yi-inshurensi yokuhamba yomshuwalense ngaphambi kokuhamba. Ekukhuselekeni kwezi mpazamo eziyisixhenxe eziqhelekileyo ze-inshurensi yokuhamba, wonke umntu unokuba ngumhambi ongcono kwaye ahambe emhlabeni ngaphandle kokwesaba.