Chizindikiro cha pasipoti

Mukufuna inshuwaransi yanji kuti mubwereke yacht? Mlangizi wa Forbes

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

Ma charter yacht yachinsinsi imapereka chidziwitso chamunthu pamadzi. Mutha kusankha njira ndi komwe mungayendere, komanso menyu, zochitika ndi mndandanda wa alendo.

Makampani ambiri obwereketsa ma yacht ali ndi akatswiri apamwamba omwe angakuwongolereni pokonzekera ulendo wanu wapanyanja kuti muwonetsetse kuti mumakhala otetezeka komanso osangalatsa.

Ngati mukukonzekera ulendo wobwereketsa yacht, ndikofunikira kuganizira inshuwaransi yapaulendo. Mapulani a inshuwaransi yoyenda bwino amaphatikiza mitundu ingapo ya chithandizo kuti muteteze ndalama zanu paulendo wanu, thanzi lanu, ndi katundu wanu.

Fananizani ndikugula inshuwaransi yapaulendo

Kodi muyenera kugula inshuwaransi yanji kuti mubwereke yacht?

Tidafunsa akatswiri a inshuwaransi yapaulendo kuti ndi mitundu yanji yomwe muyenera kugula kuti muthe kuyenda bwino paulendo wanu wotsatira panyanja.

Inshuwaransi Yoletsa Ulendo

Kulipira yacht ndikokwera mtengo, ndipo muyenera kuteteza ulendo wanu moyenerera.

Mneneri wa inshuwaransi yapaulendo ya GeoBlue a Don Van Scyoc, wolankhulira kampani ya inshuwaransi yapaulendo ya GeoBlue akutero:

“M’malo omwe alipo ndikusintha zoletsa ndi malangizo, dongosolo loletsa ulendo lingagwiritsidwe ntchito kuteteza ma depositi osabwezeredwa ndi ndalama zina zokhudzana ndi charter,” akutero Van Scyoc.

Inshuwaransi yodziwika bwino yapaulendo imatchula zifukwa zingapo zomwe mungasungire chiwongola dzanja cha inshuwaransi yoletsa ulendo kuti mubweze zolipiriratu, zomwe sizingabwezedwe ngati mukufuna kuletsa ulendo wanu. Yang’anani ndondomeko yanu ya mndandanda.

Zifukwa zovomerezeka zoletsera zimasiyana malinga ndi kampani koma nthawi zambiri zimaphatikizapo:

  • Matenda kapena kuvulala kwa inu, woyenda naye, kapena wachibale wanu
  • Imfa m’banja lapafupi
  • Imfa ya mnzako woyenda naye
  • Zothandizira zanu zatha
  • malamulo ankhondo
  • nyengo yoopsa
  • kutaya ntchito mwadzidzidzi
  • chisokonezo cha anthu
  • Zadzidzidzi banja lalikulu

Chifukwa chake ngati mutasiya bondo lanu sabata imodzi isanachitike ulendo wanu wapanyanja ndipo simungathe kuyenda, mutha kulembetsa kuti mubweze ulendo wolipiriratu, wosabwezeredwa womwe munataya.

‘Letsani pazifukwa zilizonse’

Zifukwa zonse zoletsera sizidzaperekedwa ndi inshuwaransi yokhazikika yoyendera. Mwachitsanzo, ngati muwerenga ndemanga pa intaneti za ndege yobwereketsa kuti chakudya sichikusangalatsa komanso zipinda za deluxe ndi zauve, izi sizizifukwa za inshuwaransi kuti muletse ndege yanu.

Ngati mukufuna kusinthasintha kwakukulu kuti muletse, ganizirani kuwonjezera “kuletsa pazifukwa zilizonse” pa ndondomeko yanu ya inshuwalansi yaulendo. Kusintha kumeneku kudzawonjezera mtengo wa ndondomeko yanu pafupifupi 50% koma kukupatsani ufulu wochotsa ndege yanu pazifukwa zilizonse, kuphatikizapo mantha kapena kumenyana kwakukulu ndi mnzanuyo.

Kuti mupereke chiwongolero cha inshuwaransi ya “kuletsa pazifukwa zilizonse”, muyenera kuletsa ndege yanu osachepera maola 48 isanakwane nthawi yanu yonyamuka. Kubweza kumasiyana malinga ndi ndondomeko koma nthawi zambiri kumakhala 50% kapena 75% ya ndalama zomwe mumagwiritsa ntchito paulendo wanu.

Inshuwaransi yachipatala yoyenda

Ndizofunikira makamaka ngati mukukonzekera kubwereketsa yacht kuti muwone zofunikira za inshuwaransi yazachipatala m’malo onse omwe mukupitako.

“Malo ena ngati Aruba amafuna kuti mlendo aliyense azigula inshuwaransi yazaumoyo ku Covid paulendo uliwonse, ngakhale mutakhalako usiku umodzi,” akutero a GeoBlue a Van Syoc.

Pamenepa, Aruba Visitor Insurance ndi pulani yazaumoyo ya COVID-okha ndipo imangopereka zopindulitsa pazamankhwala okhudzana ndi kuyezetsa kwa COVID. Van Syoc akuchenjeza kuti “ndalama zina zachipatala sizilipidwa.”

Ngakhale pali inshuwaransi yovomerezeka kuti mukachezere komwe mukupita, Van Seok akuti aliyense amene akuyenda pa charter ayenera kukhala ndi inshuwaransi yazachipatala, chifukwa chake kugula inshuwaransi yokhazikika ndikofunikira.

Iye akuti “makonzedwe azachipatala oyenda nthawi zambiri amakhala ndi malire apamwamba kwambiri azachipatala.”

Mapulani a inshuwaransi yowolowa manja kwambiri amapereka $500,000 pa munthu aliyense pazindalama zadzidzidzi. Athanso kusunga $1 miliyoni kuti asamutsidwe mwadzidzidzi.

Kuthamangitsidwa Kwachipatala Kwadzidzidzi

Njira yabwino yotulukira ndiyofunikira m’malo a mliriwu, pomwe ndizotheka kutseka madoko ena mosayembekezereka kwa eni ake.

“Ubwino wothawa kuchipatala ndi wofunikira makamaka kwa apaulendo pa yacht yobwereketsa,” adatero Van Seok.

Kuti akwaniritse izi, akuti, “apaulendo akuyenera kuwerenga zolemba zabwino za mapulani aliwonse omwe akuganiza chifukwa mapulani ena amafotokozera momwe bwatoli lilili.”

Lisa Conway, mkulu woyang’anira ntchito yolemba mabuku a Battleface, kampani ya inshuwaransi yapaulendo, akuti ma chart a ma yacht nthawi zambiri amawononga nthawi yochulukirapo. Mabwatowa akuyenda m’madzi otseguka komwe mwayi wopita kuchipatala pakagwa mwadzidzidzi sikupezeka mosavuta. Izi zimapangitsa kuti chisamaliro chachipatala chikhale chofunikira kwambiri.

“Chifukwa cha chikhalidwe chatchuthi, ndikupangira kugula phindu lochoka kuchipatala la $100,000, kuphatikiza zophimba monga kuletsa maulendo apanyanja, kuyenda panyanja komanso kuchedwa,” akutero Conway.

Telehealth imapindulitsa

Van Scyoc akuti gawo lofunikira la inshuwaransi yoyendera lomwe lingaganizire kwa iwo omwe amabwereketsa yacht ndikulumikizana ndi ma telemedicine ndi madokotala. Makampani ambiri a inshuwaransi yapaulendo, kuphatikiza GeoBlue, amapereka chithandizo cham’manja kwa omwe ali ndi malamulo, kuphatikiza upangiri wachipatala ndi malangizo omwe si adzidzidzi.

“Ngati muli m’ngalawa, kupita kwa dokotala kungatenge maola ambiri kapena masiku oyenda,” adatero Van Syoc. “Pogwiritsa ntchito telemedicine, munthu wophimbidwa amatha kupeza chithandizo popanda kusokonezedwa paulendo wawo.”

Kukweza kuchuluka kwa madzi ndi zochitika zamasewera

Kuganiziranso kwina mukagula inshuwaransi yapaulendo wa yacht ndikuwonjezera mwayi wamasewera ndi zochitika. Izi zingaphatikizepo zochitika monga scuba diving, zomwe ndizochitika zodziwika kwa alendo pa yacht.

Mapulani a inshuwaransi yapaulendo a World Nomads amakhala pafupifupi 200 komanso zochitika zamasewera, koma sizinthu zonse zomwe makampani ena amachita.

Yang’anani malire a mapulani anu pazinthu zowopsa kapena zowopsa. Mwachitsanzo, Van Scyoc akunena kuti makampani ena a inshuwaransi amangolipira ngongole za ngozi yodumphira pansi ngati munthu wa inshuwaransi watsimikiziridwa ndi Professional Association of Diving Instructors (PADI) kapena National Association of Diving Instructors (NAUI), kapena akudumphira pansi pa madzi. kuyang’anira mlangizi wovomerezeka.

Ananenanso kuti mapulani ena angaphatikizepo malire akuya oti aphimbe. “Mwachitsanzo, mapulani ena amangofikira osambira mpaka 10 mita kuya,” adatero Van Skeek. Onetsetsani kuti mumalankhula ndi kampani yanu ya inshuwaransi kuti muwonetsetse kuti mwaphimbidwa pazomwe mukufuna kusangalala nazo muzochitikira zanu za yacht.

Ngati sichoncho, onani zokweza zamasewera ndi ulendo zomwe mungagule. Inshuwaransi yoyendera ya AIG, mwachitsanzo, imapereka kukweza kwa dongosolo la Travel Guard Deluxe lomwe limakhudza ntchito zazikulu zomwe sizikuphatikizidwa ndi mfundo zake.

Ndi chiyani chomwe sichilipidwa ndi inshuwaransi yapaulendo?

Conway with Battleface akuti malamulo aboma kapena zoletsa siziperekedwa ndi inshuwaransi yapaulendo. Chifukwa chake ngati mwakanizidwa kulowa padoko potengera malamulo ndi zoletsa zomwe zilipo panopa, simudzakhala oyenerera kupereka chiwongola dzanja cha inshuwaransi yaulendo kuti mulipire.

Komanso, ngati mwaledzera kwambiri ndikuzembera ndikuvulala chifukwa cha vuto lanu, simudzakuphimbidwa. Inshuwaransi zambiri zapaulendo zimakhala ndi zosiyana ndi zilankhulo zomwe sizingakhudze kunyalanyaza kwa apaulendo chifukwa chakumwa mowa kwambiri kapena kugwiritsa ntchito mankhwala osokoneza bongo.

Chizindikiro cha pasipoti

Fananizani ndikugula inshuwaransi yapaulendo

Kodi makampani opanga ma yacht amapereka inshuwaransi yapaulendo?

Mutha kugula inshuwaransi yoyenda mwachindunji kudzera kukampani yanu yobwereketsa yacht. Zolinga zoterezi zimabwera m’njira zingapo ndipo zimatha kusintha, atero a Mitja Mirtič, CEO wa Goolets, katswiri wamakampani opangira jeti ku Slovenia.

“Zolemba zathu zimaphatikizapo mapulani a inshuwaransi yachipatala yapadziko lonse lapansi, yaifupi komanso yayitali, yomwe imatha kuphimba nzika zadziko lililonse akamatuluka kunja kwa malire,” akutero Mirtič.

Ndalama za inshuwaransi yoyenda zimatengera zinthu monga:

  • Kuchuluka kwa renti
  • chiwerengero cha alendo
  • Kukwezedwa kwa mfundo zogulidwa

Goolets, mwachitsanzo, amapereka mapulani a inshuwaransi yoyendera kuchokera ku International Medical Group (IMG). Mutha kugula pulani ya Standard Travel Lite kapena mapulani a Travel SE okhala ndi maubwino ena monga kuyimbira mafoni omwe mwaphonya kapena dongosolo lazambiri la Travel LX lomwe limapereka chithandizo kwambiri.

Travel LX imaperekanso zokweza, monga “kuletsa pazifukwa zilizonse” komanso “kuzimitsa pazifukwa zilizonse”.

Malinga ndi Mirtič, dongosolo la Travel LX la $ 35,000 la yacht la anthu asanu ndi anayi, ndikuwonjezera “kuletsa pazifukwa zilizonse”, kukuwonongerani pafupifupi 11% yaulendo wanu wonse.

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