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Kodi ndi nthawi ziti zomwe zimatsogolera kuti mupereke chiwongolero cha inshuwaransi yaulendo – Forbes Consultant

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

Inshuwaransi yapaulendo imapereka mapindu ofunikira kuti muteteze ndalama zanu paulendo wanu – musanayambe komanso mukatha ulendo wanu. Inshuwaransi yonse yapaulendo imakhudza kuletsa maulendo, kuchedwa kwaulendo, kusokonezedwa ndiulendo, katundu, katundu wamunthu, kuchedwa kwa katundu ndi ngozi zadzidzidzi.

Mukakumana ndi zovuta zosayembekezerekazi, mutha kubweza ngongole ku kampani yanu ya inshuwaransi yapaulendo kuti mulipire, malinga ndi dongosolo lanu la inshuwaransi yoyenda.

Mukabwerako kuchokera kuulendo wanu, kulembera chikalata kumakhala kosavuta. Mutha kulumikizana ndi kampani yanu ya inshuwaransi yapaulendo kuti ikuthandizireni, werengani tsamba lawebusayiti kuti mumve mayendedwe, kapena mupeze pulogalamu ya wonyamula katunduyo kuti akutsogolereni zomwe zikufunika kuti mumalize kudandaula.

Ngakhale kuti kusonkhanitsa zikalata zomwe mukufunikira kuti mupereke chigamulo kungatenge nthawi, ndi bwino kutero panthawi yake.

Izi ndi zomwe muyenera kudziwa zokhudza malire a nthawi ndi madandaulo a inshuwaransi yaulendo, zomwe tifotokoze mwatsatanetsatane:

  • Zolemba zolembera nthawi zimasiyana malinga ndi kampani – pamapeto pake, zikhoza kukhala mkati mwa masiku 20 ngoziyi, pamene ndondomeko zina zimalola chaka.
  • Tsiku lomaliza lomwelo limagwiranso ntchito pamitundu yonse yazambiri paulendo wanu.
  • Yembekezerani kuti muphatikizepo zolembedwa zolipira mwachangu komanso zopambana.

Fananizani ndi kugula inshuwaransi yapaulendo

Kodi nthawi zotsogola zokalemba chikalata cha inshuwaransi yapaulendo ndi ziti?

Malire a nthawi yolemba madandaulo a inshuwaransi amasiyana malinga ndi kampani, inshuwaransi, ndi ndondomeko yanu. Mwachitsanzo, mapulani ena a inshuwaransi yoyenda amalola masiku osachepera 20 kuti apereke chiwongolero, pomwe ena amalola chaka.

“Nthawi zambiri zimakhala kuyambira masiku 20 mpaka 90 kuyambira tsiku lomwe chiwonongeko chatayika, ngakhale mapulani ena samatchula malire a nthawi,” akutero Jason Schreyer, CEO wa inshuwaransi ya GoReady. “Komabe, chinthu chokhazikika ndi chakuti mapulani onse nthawi zambiri amakhala ndi chenjezo ‘kapena mwamsanga momwe angathere’. Pokhapokha ngati wina achita zochitika zachilendo, nthawi zambiri timapatsa makasitomala chaka chimodzi kuchokera tsiku lomwe adatayika kuti apereke chigamulo.”

Mosasamala kanthu za nthawi, ndikwabwino kuchitapo kanthu posachedwa kuti mutsimikizire kuti inshuwaransi yanu yoyenda yalipidwa.

Kodi madandaulo a inshuwaransi paulendo ndi ati?

Malinga ndi Schreier ku GoReady, chiwongola dzanja chodziwika bwino cha inshuwaransi yoyenda ndikuletsa ulendo. “Pambuyo pake, zimatha kusiyana pang’ono kutengera omvera komanso kugawa,” akutero.

Ngati ndinu oyenerera kupereka chigamulo, mudzalipidwa mpaka malire omwe alembedwa pa ndondomeko yanu.

Malinga ndi GoReady, awa ndi madandaulo asanu apamwamba kwambiri a inshuwaransi yaulendo.

Madandaulo oletsa ulendo

Inshuwaransi yolepheretsa ulendo ikhoza kukubwezerani ndalama ngati mwaletsa ulendo chifukwa chavuto losayembekezereka lomwe lili ndi ndondomeko yanu. Zoyambitsa zophimbidwa zimasiyanasiyana ndi inshuwaransi koma zingaphatikizepo imfa, matenda aakulu, ngozi yapadziko lonse, kutaya ntchito, kutumizidwa usilikali, chipwirikiti chapachiweniweni kapena ngozi zapabanja. Kuletsa ulendo kumakulipirani 100% ya ndalama zomwe mumataya pa zolipiriratu, zosabweza.

Malamulo ena ali ndi mwayi wowonjezera “kuletsa pazifukwa zilizonse”. Mukagula izi, nthawi zambiri mudzabwezeredwa 50% kapena 75% ya ndalama zoyendetsera ndege, kutengera ndondomeko yanu, mosasamala kanthu za zomwe zidayambitsa kuchotsedwa. Koma muyenera kuletsa osachepera maola 48 tsiku lonyamuka lisanafike.

Zofuna Zadzidzidzi Zachipatala

Inshuwaransi yaulendo wakuchipatala imakubwezerani ndalama zolipirira matenda obwera chifukwa cha matenda kapena kuvulala komwe munakumana nako paulendo, mpaka malire omwe afotokozedwa m’ndondomeko yanu. Mutha kupeza mapulani okwana $500,000 pazachipatala, koma mwina mwagula zochepa ngati simunafune zambiri. Yang’anani malire anu ngati simukudziwa.

Zofuna kusokoneza ndege

Inshuwaransi yaulendo chifukwa chosokoneza ulendo ndikusokoneza ulendo wanu ndikubwerera kunyumba chifukwa cha zochitika zosayembekezereka, monga imfa, matenda, kuvulala kapena chipwirikiti. Phindu lanu lidzakulipirani ndalama zosabwezeredwa ndi zolipiriratu pazochitika zomwe mudaphonya komanso ulendo wapaulendo wa mphindi yomaliza, komanso ndalama zina, mwachitsanzo, zoyendera.

Zonena Zochedwa Kuyenda

Inshuwaransi yochedwetsa ulendo imalipira mtengo wa kuchedwa kwaulendo chifukwa cha zovuta monga nyengo yoopsa, zovuta zamakina a ndege ndi ngozi zadzidzidzi.

Nthawi zambiri pamakhala nthawi yofunikira kuti phindu lochedwetsa ulendo liyambe, lomwe limatha kukhala paliponse kuyambira maola atatu mpaka 12, kutengera dongosolo.

Onaninso dongosolo lanu la kuchuluka kwa kufalikira. Mwachitsanzo, dongosolo lanu likhoza kusunga pakati pa $100 ndi $300 patsiku, ndi ndalama zonse pa munthu aliyense, monga $500 kapena $1,000.

Kutayika kwa katundu ndi kuchedwa kuitanitsa

Madandaulo a inshuwaransi yakutayika kwa katundu amakubwezerani mtengo wamtengo wapatali wa Katundu wanu ndi zomwe zili mkati mwake, mpaka malire a ndondomeko yanu. Komabe, dziwani kuti pali zinthu zina zomwe zimasiyanitsidwa ndi zinthu zina monga mawotchi, siliva, ndi golidi, choncho onetsetsani kuti mwayang’ana chikalata chanu kuti muwone kuti ndi katundu wanji.

Ngati matumba anu afika mochedwa, mutha kuyika chiwongola dzanja pansi pa mapindu anu ochedwa kuti akubwezereni zofunika zomwe mumagula kuti mulipire. Komabe, dziwani kuti ndondomeko zambiri zimakhala ndi nthawi yodikirira kuti katundu ayambe kuchedwa.

Yang’anani ndondomeko yanu kuti muwone malire a katundu wa kutaya katundu ndi kuchedwa. Kawirikawiri kwa munthu aliyense ndi chinthu chilichonse pali malire pa kuchuluka kwa ndondomeko yomwe mudzalipira.

Kutayika kwa katundu kumafikiranso kuzinthu zina zanu ngati zitatayika, kubedwa kapena kuwonongeka paulendo wanu. Apanso, sizinthu zonse zomwe muli nazo zomwe zidzaphimbidwe, choncho yang’anani chikalata chanu kuti musachotsedwe.

Komanso dziwani kuti kutayika kwa katundu ndi kuchedwetsa madandaulo nthawi zambiri kumakhala kwachiwiri kuzinthu zina zomwe mungathe kupereka – mwachitsanzo, ndi kampani ya inshuwaransi yakunyumba kwanu.

Kodi zonena zamitundu yosiyanasiyana zimakhala ndi masiku omalizira osiyanasiyana?

Ndizofala kuti mitundu yonse ya kufalitsa mumayendedwe anu oyenda kukhala ndi nthawi yofananira yofunsira.

Mwachitsanzo, GoReady Inshuwalansi ilibe masiku omalizira osiyana. Komanso Berkshire Hathaway chitetezo paulendo.

“Sitigwiritsa ntchito masiku omaliza operekera madandaulo potengera zomwe zalembedwa,” atero a Carol Muller, olankhulira Berkshire Hathaway Travel Protection. “Timalimbikitsa kusungitsa chiwongola dzanja posachedwa, koma tsiku lomaliza lolemba chikalatacho lisanakwane masiku 365 chitayika.”

Ndibwino kuti mulumikizane ndi kampani yanu ya inshuwaransi yaulendo kuti mupeze malamulo ndi nthawi zomalizira.

Zolemba za Inshuwaransi Yoyenda

Mudzafunika zikalata zothandizira ngati mupereka chikalata cha inshuwaransi yoyendera. Izi zingaphatikizepo malisiti, ndalama zachipatala, ndi malipoti apolisi. Zolemba zenizeni zofunika zimatengera mtundu wa inshuwaransi yaulendo yomwe mukupanga.

“Mwachitsanzo, zomwe zingafunike pakubweza ndalama zachipatala zitha kukhala zamphamvu kuposa kubweza katundu kapena kuchedwa kwa ndege,” akutero Mueller.

Zolemba zolepherera ulendo

Zolemba zoletsa zimadalira chifukwa chakulepheretsera. “Nthawi zambiri, ndi kuvulala kapena matenda, kotero izi zimafuna zolemba zachipatala monga kalata yochokera kwa dokotala wokuuzani kuti musayende,” akutero Schreyer.
Pazinthu zina, monga kutayika kwa ntchito, mudzafunika kalata yodziwika kuchokera kwa abwana anu akale, kawirikawiri pamutu wa kalata wa kampani, akutero.

Mungafunikirenso kupereka zikalata zotsimikizira kuti mwaletsa ulendo wanu ndi wopereka maulendo anu, komanso kuchuluka kwa zobwezeredwa zilizonse kapena ma credits operekedwa ndi wogulitsa ngati gawo lakubweza kwanu. (Simungathe kunena kuti ndalama zabwezeredwa ndi wogulitsa maulendo, monga ndege.) Mungafunikenso kupereka matikiti a ndege osagwiritsidwa ntchito.

Makalata oyitanitsa kuchedwa kwa ndege

Ngati ndege yanu ikuchedwetsa ndege yanu, mudzafunika chidziwitso kuchokera kundege yanu yofotokoza chifukwa chakuchedwerako, yomwe nthawi zambiri imakhala imelo, Schreyer akuti. Kawirikawiri, chifukwa chake chiyenera kukhala chifukwa cha nyengo kapena zovuta zamakina zomwe ziyenera kutsekedwa.

Komanso, onetsetsani kuti mukusunga malisiti a ndalama zomwe mwawonongera – ndikuziphatikiza pa zomwe mukufuna – monga chakudya, malo ogona kuhotelo, mayendedwe, ndi zofunikira zanu ngati mukuchedwetsedwa paulendo.

Zolemba Zofuna Kusokoneza Ulendo

Ngati mukufuna kubwerera kunyumba ulendo wanu usanathe chifukwa cha matenda kapena kuvulala kwa inu kapena woyenda naye kapena banja lanu mwadzidzidzi kunyumba, mudzafunika kupereka zikalata zoyenera, monga zikalata zosainidwa zachipatala kapena zolemba zachipatala.

Zolemba za Katundu ndi Katundu Waumwini

Ngati katundu wanu watayika ndi ndege, sitima kapena chonyamulira china, muyenera kulemba polemba lipoti ndi wothandizira. Kampani yanu ya inshuwaransi yoyenda nthawi zambiri imafuna umboni kuti wonyamula katunduyo sadzakubwezerani ndalama musanalipire zomwe mukufuna.

“Chimodzi mwa zolakwika zambiri ndi kuwonongeka kwa katundu kapena kuba. Ma inshuwaransi amafunika kuti afotokoze zinthu zotayika kapena zowonongeka kwa ndege, apolisi kapena chitetezo cha ndege, “anatero Schreyer. “Popanda lipotili, zonena zawo sizingavomerezedwe.”

Muyeneranso kutumiza mndandanda wazomwe mwanyamula komanso mtengo wazinthuzo.
Pazinthu zomwe zabedwa, onetsetsani kuti mwaphatikizirapo lipoti la apolisi kapena lipoti lotayika kuchokera kwa woyendetsa alendo kapena woyang’anira hotelo. Muyeneranso kupereka zikalata zotsimikizira mtengo wazinthu zomwe mukuzifuna.

Zolemba zamadandaulo azachipatala

Mukapereka chiwongolero cha inshuwaransi yaulendo wamankhwala, muyenera kuphatikiza zikalata zonse zachipatala zomwe zaperekedwa mu chisamaliro cha akatswiri azachipatala.

Sungani malisiti amankhwala kapena mankhwala ena. Mudzafunsidwa kuti mupereke zinthu zonsezi popereka zomwe mukufuna.

Zomwe mungayembekezere mutapereka chikalata cha inshuwaransi yaulendo

Mukapereka chiwongola dzanja, onetsetsani kuti mwayang’ana imelo yanu chifukwa pangakhale zopempha zotsatiridwa ndi kampani yanu ya inshuwaransi yoyendera. Zolemba zowonjezera kapena zomveka zokhuza zomwe mukudandaula zitha kufunsidwa.

Ngati pempho lanu likukanidwa, onetsetsani kuti mwawonanso zambiri, makamaka zochotseredwa, kuchokera ku inshuwaransi yanu yoyendera. Chidziwitsocho chikhoza kukanidwa chifukwa chochitikacho sichikuphimbidwa ndi ndondomeko yanu, ndipo simunadziwe. Ngati mukadali ndi mafunso, funsani thandizo kwa wothandizira inshuwalansi yapaulendo.

Ngati mukufuna kuchita apilo chiwongola dzanja chanu cha inshuwaransi yoletsedwa, mutha kupeza malangizo patsamba la kampaniyo, kapena kuyimbira nambala yawo yothandizira makasitomala.

Chizindikiro cha pasipoti

Fananizani ndi kugula inshuwaransi yapaulendo

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