Kodi inshuwaransi yoletsa ulendo ndi chiyani? (2022)

M’nkhaniyi: Zomwe zimaphimbidwa | | Zomwe sizikuphimbidwa | | mtengo | | momwe mungapezere | | osachepera | | mafunso ndi mayankho

Inshuwaransi yoyenda yaphulika chifukwa cha mliri wa coronavirus komanso maulendo angapo atchuthi ndikuletsa maulendo omwe amabwera nawo. Ngati mukusangalala koma mukuzengereza kuyambitsa ulendo wotsatira padziko lonse lapansi, mutha kuganizira zodziteteza ndi inshuwaransi yoletsa ndege.

inshuwaransi yaulendo Mapulani amapezeka kuchokera kwa akuluakulu a inshuwalansi kuti akutetezeni ndalama ku kusintha kosayembekezereka kwa mapulani. Werengani kuti muphunzire zonse zomwe muyenera kudziwa zokhudza kuteteza mapulani anu aulendo kuti aletsedwe mosayembekezereka.


Kodi inshuwaransi yolepheretsedwa ndi chiyani?

Inshuwaransi yoletsa ulendo imakubwezerani ndalama zomwe simungabweze ngati chochitika chosayembekezereka chikukakamizani kusiya ulendo wanu.

Mwachitsanzo, tayerekezerani kuti mukukonzekera kupita kutchuthi kumayiko ena ndipo mwawononga ndalama zokwana madola 5,000 pa zinthu zosabweza, monga kukwera ndege ndi malo ogona. Ndiye, mutatha kulipira ulendo wanu womaliza, appendix yanu imasweka ndipo simungathe kupita paulendo wanu.

Muchitsanzo ichi, kukhala kuchipatala kwanu kungakupatseni mwayi wobwezeredwa mpaka $5,000 kudzera mu inshuwaransi yoletsa ulendo. Ngati simugula inshuwaransi yaulendo, mudzataya ndalama zanu zonse zomwe simungabweze ngati simungathe kupita kutchuthi chanu, zivute zitani.

Nthawi zambiri, mutha kugwiritsa ntchito inshuwaransi yoletsa maulendo pazifukwa izi:

  • Udindo walamulo wosayembekezereka, monga jury duty kapena subpoena, womwe umakulepheretsani kuyenda.
  • Imfa ya woyenda naye paulendo kapena wachibale wapafupi
  • Dziwani za matenda omwe simunayembekezere kapena kuvulala komwe kumakulepheretsani kuyenda
  • Nyengo yosayembekezereka kapena masoka achilengedwe omwe amawononga nyumba kapena kupangitsa dziko lomwe mukupitako kukhala losatetezeka kapena losatha kukhalamo

Malinga ndi Kafukufuku waposachedwa kuchokera ku AAA Travel, 88% ya anthu okhala ku US omwe agula inshuwaransi yoyendera amati inshuwaransi yoletsa kuyenda ndi gawo lofunikira kwambiri la malamulo awo. Ena opereka inshuwaransi amapereka inshuwaransi yoletsa maulendo ngati njira yodziyimira yokha, yomwe ndi njira yabwino kwambiri kwa apaulendo omwe amafunikira chitetezo koma ali pa bajeti.

Komabe, chitetezo choletsa maulendo nthawi zambiri chimagulitsidwa ngati dongosolo la phukusi lomwe limaphatikizapo inshuwaransi zina zapaulendo. Inshuwaransi yapaulendo nthawi zambiri imakhala ndi izi:

  • Zachipatala zadzidzidzi: Inshuwaransi yanu yokhazikika yachipatala mwina siyikugwira ntchito mukamapita kunja. Kupereka chithandizo chamankhwala mwadzidzidzi kumakuthandizani kulipira mtengo wamankhwala omwe mwakhala muli kunja. Kutengera ndi chithandizo cha inshuwaransi, chisamaliro cha mano ndi chithandizo chamankhwala zitha kuphatikizidwira kapena ayi. Kumbukirani kuti ngati muli ndi zikhalidwe zomwe zidalipo kale, wopereka inshuwaransi yoyendera angachotse izi pazachipatala chanu.
  • Kusamutsidwa Kwachipatala Mwadzidzidzi: Ntchito zotulutsira zachipatala zadzidzidzi zimalipira mtengo wakutengerani ku chipatala ngati mukufuna chithandizo chomwe mulibe mwayi wopeza chithandizo choyenera. Kuphimba uku kudzalipiranso mtengo wokuthandizani kuti mupite kunyumba mutavulala kwambiri kapena matenda.
  • Kuyimitsa ndege: Inshuwaransi yosokoneza maulendo Kukubwezerani ndalama zolipirira zomwe simungabweze chifukwa cha zinthu zomwe simumayembekezera. Mwachitsanzo, ngati mwavulala kwambiri ndipo mukufuna kusamutsidwa kuchipatala kudziko lina, inshuwaransi yosokoneza maulendo idzakubwezerani ndalama zomwe simunagwiritse ntchito. Malamulo ena ali ndi malire oletsa kusokoneza maulendo omwe ndi apamwamba kuposa mtengo wanu watchuthi. Kuwonjezedwaku kumakhudzanso ndalama zoyendera pochoka mwadzidzidzi, zomwe ndi zokwera mtengo kwambiri kuposa mtengo waulendo wa pandege wamba. Mukhozanso kugwiritsa ntchito Inshuwalansi Yosokoneza Ulendo ngati mwapemphedwa kutero International site clearance.

Musaganize kuti muli ndi chilichonse mwazomwe zili pamwambazi pokhapokha ngati zafotokozedwa m’ndondomeko yanu yoletsa ndege. Ngati simukudziwa zomwe ndondomekoyi ikuphatikiza ndi zomwe siziri, lankhulani ndi woyimilira musanalowe kuti mulandire chithandizo.


Kodi inshuwaransi yolepheretsedwa ndi chiyani?

Inshuwaransi yoletsa ulendo siyimakhudza chilichonse. Mwachitsanzo, kusankha kusapita kutchuthi sikutanthauza kuti muli ndi ufulu wolandira chipukuta misozi. Ngati pali mwayi woti mwina simungayende chifukwa cha zochitika zodziwikiratu, mutha kuganiza zogula njira ya Cancellation for Any Reason (CFAR). Monga momwe dzinalo likusonyezera, malamulo a CFAR amakulolani kuti mupemphe chipukuta misozi mosasamala kanthu za chifukwa chomwe muyenera kuletsa.

Kutengera kampani ya inshuwaransi, kubweza kwa CFAR kungakhale lamulo lodziyimira palokha kapena kugulitsidwa ngati chowonjezera pa inshuwaransi yanu yaulendo pamtengo wowonjezera. Ngakhale inshuwaransi ya CFAR imakupatsirani kusinthasintha, ipangitsanso inshuwaransi yanu kukhala yodula kwambiri. Yembekezerani kulipira pakati pa 40% ndi 60% yowonjezera pa ndondomeko yanu ngati mukufuna kuphatikizapo CFAR.

Popanda chithandizo cha CFAR, inshuwaransi yanu sigwira ntchito pokhapokha ngati zovuta zikukakamizani kuti musiye ulendo wanu. Malamulo oletsa maulendo nthawi zambiri samapatula mitundu ina ya kuvulala ndi zochitika zapadera kuti apezeke.

Nazi zina mwazosiyana zomwe mungawone pa inshuwaransi yanu yapaulendo:

  • Machitidwe ankhondo ndi uchigawenga
  • Njira iliyonse yosankha yachipatala
  • Kuvulala ndi zochitika zomwe zimachitika chifukwa chovulaza mwadala kwa omwe ali ndi inshuwaransi, kuchita nawo masewera oopsa, matenda amisala, mowa kapena zinthu zosaloledwa
  • Zosowa zapakati pa nthawi zonse (monga kusankhidwa kwa dokotala kapena chithandizo cha chonde)
  • Mkuntho ndi masoka achilengedwe omwe atchulidwa kale tsiku lanu lonyamuka lisanakwane

Kodi inshuwaransi yoletsa ulendo ndi ndalama zingati?

Ndalama zolepheretsera ulendo zimasiyana malinga ndi mawonekedwe anu Mapulani akubwera. Zina mwazinthu zomwe makampani a inshuwaransi angaganizire poika mitengo yamitengo yanu zingaphatikizepo izi:

  • Kopita: Ubwino ndi mtengo wa ntchito za boma, monga chisamaliro chaumoyo ndi ntchito za apolisi, zimasiyana kwambiri padziko lonse lapansi. Ngati mukupita kudziko lomwe lili ndi zomangamanga zochepa, mudzalipira zambiri za inshuwaransi yapaulendo.
  • Mtengo wa tchuthi chanu: Ngati mukukonzekera ulendo wokwera mtengo, ndondomeko yanu idzakhala ndi malire apamwamba komanso oyenerera, zomwe zimawonjezera mtengo.
  • Nthawi Yothera Kunja: Mukakhala kutali ndi kwanu, m’pamenenso mwayi woti inshuwaransi yanu idzagwiritsidwe ntchito kwambiri. Kuyenda kwa nthawi yayitali kumapangitsa inshuwaransi kukhala yokwera mtengo.
  • Zaka zanu: Oyenda okalamba amakhala ovulala kwambiri kuposa apaulendo achichepere, zomwe zimawonjezera ndalama zolipirira.

Kuti ndikupatseni lingaliro la kuchuluka kwa ndalama zomwe mungalipire inshuwaransi yoyendayenda, gulu la Home Media lapanga mawu a inshuwaransi kuchokera kwa ena omwe amapereka inshuwaransi mdziko muno. Gwiritsani ntchito tchati chomwe chili pansipa kuti muyerekeze kuchuluka kwa ndalama zomwe mungalipire inshuwaransi yanu musanalandire ma quotes aulere. *

*Mawu ogwiritsira ntchito zomwe zili pamwambapa adalandiridwa kuchokera patsamba la kampani iliyonse pa Julayi 17, 2022.


Kodi ndingapeze bwanji inshuwaransi yoletsa ulendo?

Ngakhale pali makampani omwe amapanga inshuwaransi yoyenda, mutha kugula inshuwaransi yoletsa maulendo kudzera kukampani yodziyimira payokha ya inshuwaransi. Apaulendo omwe ali ndi zosowa wamba amatha kugula inshuwaransi Kupyolera mu makampani monga Nationwide, AIG, ndi zina.

Makampani ambiri a inshuwaransi tsopano amakulolani kuti mupeze ndalama za inshuwaransi yapaulendo pa intaneti pasanathe mphindi zisanu. Musanalembetse, sonkhanitsani malisiti ndi ma invoice onse a ndalama zosabweza kuti muwerenge kuchuluka kwa ndalama zomwe mukufuna. Muyenera kupeza mawu kuchokera kwa omwe akupikisana nawo musanasankhe njira yomwe ili yoyenera kwa inu.

Ngati mutasungitsa chithandizo chanu kudzera mwa wothandizira maulendo – bungwe loyendetsa maulendo kapena maulendo apanyanja, mwachitsanzo – wothandizirayo atha kukukonzerani chithandizo.


Kutsiliza: Kodi Inshuwaransi Yoletsa Ulendo Ndi Yofunika?

Mtengo womwe mudzalandira kuchokera ku inshuwaransi yanu ya pandege udzasiyana malinga ndi tsatanetsatane wa mapulani anu oyenda omwe akubwera. Ngati mukukonzekera zoyendayenda ku United States kapena pa bajeti, mwina simudzasowa inshuwaransi yoletsa ulendo.

Kumbali ina, ngati mukukonzekera tchuthi chapadziko lonse lapansi kapena ulendo wokhala ndi ndalama zotsika mtengo komanso zogona, ndiye kuti muyenera kuganizira mozama inshuwaransi yoyendera. Ngakhale simukutsimikiza kuti inshuwaransi yoletsa ulendo ndi yoyenera kwa inu, onetsetsani kuti mwapeza ndalama kuchokera kwa omwe akupikisana nawo atatu a inshuwaransi – chithandizo chingakhale chotsika mtengo kuposa momwe mukuganizira.


Mafunso omwe amafunsidwa pafupipafupi okhudza inshuwaransi yoletsa ulendo

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