Iimeko ezahlukeneyo zingaba nemiphumo eyahlukileyo kwi-inshurensi yakho
Akukho mntu uthanda ukucinga ngokuhamba ngamazwe njengomsebenzi onobungozi. Kodwa kwihlabathi lanamhlanje esiphila kuyo, ingozi inokuhlala ijikeleze ngekona. Kwaye njengoko imisebenzi yakutshanje ehlabathini lonke ibonakalise, ugqirha ngumngcipheko omtsha apho abahamba phambili bajamelana nazo.
Abahlali be-Savvy batyelela amazwe phantsi kokungazinzi kwezopolitiko bayaqonda ukuba i- inshorensi yokuhamba ayikho ukuthenga okukhethiweyo - kuyimfuneko, ukuze ikhuselwe kwimeko enzima kakhulu.
Kodwa ke baninzi abangayiqondiyo ukuba i-inshorensi yokuhamba eyinqobo ayinakuncedisa xa kwenzeka isenzo sobugrogasi.
Indlela Abahamba Ngama-inshurensi Abahamba Ngayo Bachaza Ubuninzi
Ingaba umntu oqhelekileyo uchaza ubuphekula angayi kuba yinto efanayo ekwabelwana ngumboneleli wakho we-inshurensi yokuhamba. Kwiimeko ezininzi, umniki-nkonzo wakho we-inshurensi yokuhamba usenokufumana iinkcazo ezininzi kwiimeko ezahlukeneyo, ezifana nokuthi "ingxaki yomntu" kunye "nobutsha."
Kwiimeko ezininzi, isicwangciso sakho se-inshurensi yokuhamba nge-third party (umgaqo-nkqubo othengwe ngqo kwi-inshurensi yokuhamba, kungekhona ukuba umniki wakho wokuhamba okanye inkampani yekhadi lekhredithi) uya kugubungela ubukhukula njengesizathu esibangelwe ukulibaziseka kokuhamba kunye nohambo lokukhansela. Nangona kunjalo, iinguqu ezinokuthi zingabi zifanayo phakathi kwababoneleli. Ngokomzekelo, u-Travel Guard uchaza ubuphekula ngokuthi: "Nayiphi na isenzo sobundlobongela esiphumela ekulahlekelweni komntu okanye umonakalo omkhulu kumntu owenza ngendlela yokugumbuqela urhulumente okanye ukufumana ukulawula." Ukuba imeko yakho ayihambelani nentsingiselo, oko kungenakuqwalaselwa ngongongobungqina-oko kuthetha ukuba awufaneleki ukufumana izibonelelo.
Xa uthengisa isicwangciso se-inshurensi yokuhamba, qiniseka ukuba uyaqonda ukuba yintoni kwaye ayifuni xa ifika kwisenzo sobugrogmo.
Ukuthengwa kweInnshurensi yoThutho phambi kweNgxaki
Iingcali ezininzi zibonisa ukuthenga i-inshurensi yokuhamba kakuhle phambi kweemeko. Kodwa ngaba uyayazi ukuba ukuthenga i-inshurensi yakho yokuhamba ngokukhawuleza xa ubhalela uhambo lwakho kungakufanelekela zonke izibonelelo onelungelo?
Ngokufana neqhwithi, abaninzi ababonelela nge-inshorensi yokuhamba bajonga ukungazinzi kwezopolitiko kunye nezenzo zobundlobongela njengeziganeko ezibonakalayo. Emva kokuba kwenzeka isiganeko esichazela inkcazo yoluhlu lwentlalo okanye ugqirha, njengesixwayiso sokuhamba esivela kwiSebe leeRhulumente, imeko iya kubonakala-ithetha ukuba ayisayi kuba negalelo kwimeko yakho ekhethekileyo. Umzekelo: I-Travelex yakhulisa i-statement ehlala kuyo ukuba abahambahambayo abaya ku-Israyeli kwaye "babuza malunga nokuthenga isicwangciso sokukhusela iTravelex emva koJulayi 8, 2014, umxholo awuyi kuhlawulwa njengoko iziganeko zangoku ziqwalaselwa." Ngenxa yokuba imeko iyaqhubeka kwaye ingabonakali, iTravelex ayiyi kunceda abantu abaya e-Israel.
Ngokuthenga i-inshurensi yakho yokuhamba kwangoko, unokuqiniseka ukuba uhambo lwakho luhlanganiswe phantsi kweemeko ezimbi kakhulu, kungakhathaliseki ukuba ziphi. Kwezinye iimeko, ukuthenga umgaqo-nkqubo we-inshurensi yokuhamba phakathi kweentsuku zokubeka idiphozithi yakho yokuqala kohambo lwakho inokuba yindlela kuphela yokufumana iinzuzo zobuphekula. Qinisekisa ukuba uyazi ukuba ukuthenga kwangaphambili kunokukufumana njani inzuzo yomgaqo-nkqubo ngamnye.
Ukukhansela nayiphi na isizathu Isibonelelo se-Inthanethi kunye noBugcisa
Enye imeko ukuba uqaphele ukuba izibonelelo zogonyamelo kunye neengxabano zomphakathi zisetyenziselwa i-inshurensi yakho yokuhamba.
Abanikezeli be-inshorensi abaninzi abahamba phambili banqongqo kwiinkcazo zabo zobugandlo kunye neengxabano zomphakathi. Ukuba imeko imenza ungakhathazeki, kodwa ayihambisani nenkcazo yayo yokucela iinzuzo, ngoko awuvumelekanga ukufumana inzuzo yokukhansela.
Ukuba ukhathazekile malunga nokuphambuka kwezinto ngaphambi kokuba uhambe uhambo olungenza ungakhathazeki, ngoko ucinga ukuthenga isicwangciso se-inshurensi yokuhamba kunye noChotho lweSizathu . Ngoxa uhambo lokukhansela lungagqithiselwa kwiinkcazo kumgaqo-nkqubo, Ukukhansela nayiphi na isizathu kukuvumela ukuba ukhansele ngemimiselo yakho, uphinde ufumane ezinye zezohambo lwakho lokutshala. Ukuba ucinga ukuthenga i-Cancel yesizathu, qiniseka ukuthenga ipolisi yakho kunye nezicwangciso zakho zokuqala: izicwangciso ezininzi zinomda wokuba ungathengi izibonelelo zakho.
Ngokuqonda indlela ukujonga ngayo i-inshorensi yokuhamba ngezobungozi kunye nokuqhuswa kwabantu, unokuqinisekisa ukuba ufumana ukhuselo oluphakamileyo apho uya khona emhlabeni. Nangona ngokuqinisekileyo sithemba ukuba awunakuze ubanjwe kwenye yeemeko, ukulungiselela nokuqonda namhlanje kunokuthintela ukuzisola kusasa.