“Interruption For Any Reason” Travel Insurance

Inshuwaransi Yoyenda “Dulani Pazifukwa Zilizonse” – Forbes Consultant

Zolemba mkonzi: Timalandira ndalama kuchokera ku maulalo a anzathu pa Forbes Advisor. Magulu sasintha malingaliro a akonzi kapena mavoti.

Kudulira tchuthi chamaloto kumatha kukhala kowopsa, koma ngati mwadzidzidzi banja mwadzidzidzi, matenda kapena kuvulala, mungafunike kupita kunyumba kuposa momwe munakonzera. Pamenepa, Standard Trip Interruption Inshuwalansi ikhoza kukuthandizani kuti muchepetse ndalama zomwe simungabweze ngati mutadula ulendo wanu pazifukwa zomwe mwatsata ndondomeko yanu.

Koma bwanji ngati mukufuna kupereka chiwongola dzanja chosokoneza ndege pazifukwa zomwe sizinalembedwe mu ndondomeko yanu? Apa ndipamene IFAR imabwera. Ndi kukweza kwa muyezo kuyenda inshuwalansi ndondomeko kuti amalola inu kudula mwachidule ulendo pa chifukwa chilichonse ndi kupeza tsankho chipukuta misozi chifukwa sanali refundable ndalama inu kutaya.

Kodi “kuchotsedwa pazifukwa zilizonse” inshuwaransi yapaulendo imagwira ntchito bwanji?

Inshuwaransi yokhazikika yosokoneza maulendo ikuphatikizidwa mu mapulani abwino kwambiri a inshuwaransi yoyendera. Ikhoza kukubwezerani ulendo wanu wamphindi yomaliza ndikubweza ndalama zolipiriratu zolipiriratu. Mwachitsanzo, ngati mwabwera kunyumba msanga ndikuphonya ulendo wachinsinsi, mutha kulembetsa.

Ngati mukufuna kupereka chiwongolero chofuna kusokoneza ndege, ulendo wanu uyenera kuyimitsidwa Pazifukwa zomwe zili muzolemba zanu.

Sarah McWilliams-Guerra, mneneri wa Squaremouth, kampani yofananira ndi inshuwaransi yofananira maulendo, akutero Sarah McWilliams-Guerra. , kapena uchigawenga.

Kukweza kwa ‘Out for Any Reason’ kumakupatsani ufulu wonena, mosasamala kanthu za chifukwa chakusokoneza. Kumakuthandizani kubweza ndalama zolipiriratu, zosabweza zobweza ndege zomwe mwataya.

Angela Borden, wolankhulira kampani ya inshuwaransi yaulendo Seven Corners, amapereka zitsanzo za milandu yomwe IFAR ingathandize:

  • Mukusemphana maganizo ndi amene akukulandiraniyo ndipo mukufuna kunyamuka, ndiye mwaganiza zopita kotsatirako msanga.
  • Mukusemphana maganizo ndi mnzanu amene mukuyenda naye ndipo mukufuna kupita kunyumba tsiku loti mubwerere lisanakwane.
  • Muli ndi vuto lazachuma mosayembekezereka ndipo mukufuna kuchepetsa ulendo wanu.
  • Simukumasuka ndi njira zomwe malo anu ochezera akutenga okhudzana ndi Covid, ndipo simumasuka kukhala komweko, ndiye mwaganiza zopita kunyumba msanga.
  • Simukukondwera ndi momwe Airbnb ilili kapena kubwereka kwanu ndipo mwaganiza zochoka ulendo wanu usanathe.

Zambiri za inshuwaransi “Dulani pazifukwa zilizonse”

Ngakhale mukupeza kusinthika kwakukulu kwa mapindu osiya pansi pa IFAR, izi ndi zomwe McWilliams-Guerra akuti muyenera kudziwa ngati mukuganiza zogula IFAR:

  • Simudzabwezeredwa 150% ya ndalama zaulendo wanu, monga momwe zimakhalira ndi zosokoneza zaulendo. IFAR imabwezera mpaka 75% ya mtengo waulendo wa inshuwaransi.
  • IFAR ndi gawo losasankha.
  • Muyenera kugula IFAR mkati mwa masiku 15-20 kuchokera pamalipiro oyamba kapena kusungitsa ndege yanu.
  • Kuti muyenerere kulandira phinduli, muyenera kuteteza 100% ya mtengo wolipiriratu, osabwezeredwa.
  • Kupereka kwa IFAR nthawi zambiri kumawonjezera 3% mpaka 10% pamtengo wa inshuwaransi yanu yapaulendo.

McWilliams-Guerra akuti chofunikira kwambiri mu inshuwaransi ya IFAR ndikuti chithandizo nthawi zambiri sichimayamba mpaka maola 48 kapena kupitilira apo mutathawa. Mwachitsanzo, tiyerekeze kuti mwafika komwe mukupita ndipo mwaganiza zopita kunyumba tsiku loyamba chifukwa kulosera kwanyengo kumafuna mvula paulendo wanu wa gofu. Mapindu anu a IFAR sangagwire ntchito ngati ali mkati mwa maola 48 kuchokera pamene mwanyamuka.

Mapulani ena a IFAR ali ndi nthawi yodikirira maola 72 isanayambe, choncho onetsetsani kuti mwayang’ana chikalata chanu kuti mudziwe zambiri.

Palinso ndalama zina zomwe siziyenera kubwezeredwa pansi pa IFAR. “Chilango choletsa choperekedwa ndi hotelo kapena ndege sichidzalipidwa, koma ndalama zolipiriratu zaulendo wa pandege kapena hotelo zitha kubwezeredwa,” akutero McWilliams-Guerra.

Kuonjezera apo, IFAR sichimalipira ndalama zomwe mwataya chifukwa wopereka maulendo anu akulephera kupereka zomwe mwagwirizana paulendo wanu. “IFAR idapangidwa kuti musokoneze ulendo wanu pazifukwa zilizonse zomwe mungafune, osati chifukwa chopereka maulendo anu alephera kulemekeza mgwirizano wawo ndi inu,” akutero Borden ku Seven Corners.

Kodi inshuwaransi imateteza “kutayika pazifukwa zilizonse” kukhala kwaokha?

Inshuwaransi ya Standard Trip Interruption inshuwaransi ikhoza kukubwezerani ndalama zotayika zaulendo ngati mukuyenera kukhala kwaokha chifukwa cha zotsatira zabwino za mayeso a Covid – poganiza kuti inshuwaransi yanu yoyendera ikuphatikizanso chithandizo cha Covid.

Ndi chithandizo cha IFAR, mutha kubweza ndalama zomwe munalipirira kale zomwe munaphonya ngati mutadzipatula paulendo wanu – kaya munapangana ndi Covid kapena ayi.

Ndalamazi zingaphatikizepo zipinda za hotelo, zochitika ndi maulendo omwe ndalama zosabwezeredwa zalipidwa. Komabe, dziwani kuti kuti muyenerere kufunsidwa, muyenera kukhala kwaokha kupyola nthawi yodikirira isanayambe, yomwe imatha kukhala maola 48, kapena kupitilira apo kutengera ndondomeko yanu.

Zogwirizana: Kumvetsetsa za inshuwaransi yoyendera pazovuta zoyezetsa COVID, kutseka malire, upangiri wapaulendo komanso kukhala kwaokha

Ndani Amapereka Inshuwaransi Yoyenda “Kudula Pazifukwa Zilizonse”?

Pansipa pali mapulani a inshuwaransi yaulendo omwe amapereka kukweza kwa IFAR. Zolinga zonse zapanyanja zapadziko lonse zimapulumutsa 75% ya ndalama zomwe sizingabwezedwe komanso za inshuwaransi

  • IMG iTravelInsured Travel LX. Muyenera kugula ndalama za IFAR pasanathe masiku 20 kuchokera pa depositi yanu yoyamba ya pandege. Pali nthawi yodikirira ya maola 48 mutanyamuka kuti IFAR iyambe.
  • Maulendo apanyanja apadziko lonse lapansi komanso osankha komanso ma phukusi apamwamba. Pali nthawi yodikira maola 48 mutanyamuka kuti phindu ligwiritsidwe ntchito. Ubwino wa dongosolo lonse ndi $250; posankha ndi $500; Ponena za mwanaalirenji, ndi $1,000.
  • Seven Corner RoundTrip njira yoyambira komanso yozungulira. Pali nthawi yodikirira maola 48 mutanyamuka kuti phindu liyambe. Muyenera kugula chithandizo cha IFAR pasanathe masiku 20 kuchokera pomwe mudasungitsa ndege yanu.
  • Inshuwaransi yoyendayenda padziko lonse lapansi. Muyenera kugula dongosolo lanu ndi IFAR mkati mwa masiku 21 kuchokera pa depositi yanu yoyambira. Pali nthawi yodikirira maola 72 ndege yanu ikanyamuka mapindu anu a IFAR asanayambe.

Nanga bwanji “kuletsa pazifukwa zilizonse” inshuwaransi yaulendo?

Kuphimba kwa CFAR ndikukweza komwe kumakulipirani pang’ono ngati mutasiya ndege kwa maola osachepera 48. M’mbuyomu Mukunyamuka kupita komwe mukupita.

Nthawi zambiri mumabwezera 50% kapena 75% ya mtengo waulendo womwe mwaphonya ngati mwaletsa ndege yanu, mosasamala kanthu za chifukwa. “Kuletsa pazifukwa zilizonse” kumawonjezera pafupifupi 50% pamtengo wa inshuwaransi yanu yoyamba yoyendera. Monga IFAR, muyenera kugula CFAR pakangopita milungu ingapo mutapanga gawo lanu loyamba la ndege.


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