UMary Allen
Nje ukuba ikati yakho ithathele ingqalelo amabango omonakalo, unoxanduva ngokuzenzekelayo loxanduva eJamani. Kwinkundla yomthetho, ekuphela kwento ebalulekileyo kukuba isilwanyana sakho sasekhaya singqinwe sinetyala. Nokuba awuzange ubangele ngokuthe ngqo ukuziphatha kakubi komhlobo wakho wesilwanyana kwaye uhlobo luhlala lungenabungozi, kwimeko kaxakeka, uya kushiyeka ungena-inshurensi ngeendleko. Njengomthetho, nangona kunjalo, uxanduva lwabucala lwanele ukukhusela wena kunye nekati yendlu yakho kulo mngcipheko. Iikontraki ezingcono ze-inshorensi zinokulingana negolide kwizindlu ezirentwayo kunye nokukhuselwa ngokusemthethweni kweentlobo ezininzi zezilwanyana.
Uxanduva loMnikazi weKati kuwo wonke umonakalo obangelwayo
Ukuba ikati yakho ibangela ingozi, wena njengomniniyo uhlala unoxanduva. Oku kuyasebenza nokuba ubulapho ngokwakho kwaye unoxanduva oluthe ngqo lokuziphatha. Ngale ndlela, isilwanyana sakho sasekhaya sinokuqinisekisa ukuba iimfuno ezingalindelekanga ziza ngendlela yakho nangaliphi na ixesha ekuphumeni. Uwiso-mthetho akachazi kuphela uxanduva lomnini xa kuthe konakaliswe impahla. Umonakalo wempilo nowomzimba udla ngokukhokelela kumatyala angemnandanga afunyanwa ngumnini wesilwanyana. Nayiphi na imbuyekezo yentlungu kunye nokubandezeleka ngamanye amaxesha nakwi-five-digit range.
Njengoko i-hangover ibangela ukonzakala okumandundu kwaye umntu uye wangakwazi ukusebenza kangangexesha elithile, umntu ochaphazelekayo unokuphinda acele imbuyekezo ngemivuzo elahlekileyo. Kwimeko yonxunguphalo, unokulindela iimfuno ezingaphezulu lee kumathuba akho emali.
I-Inshurensi yeTyala laBucala idla ngokuhlawulela iKati
Nge-inshurensi, umonakalo owenziwe sisilwanyana sakho sasekhaya akusekho mfuneko yokuba ulale ubusuku. Ngokuqhelekileyo ayiqhelekanga kwaye akuyomfuneko ukwenza isivumelwano esinye somhlobo wakho onemilenze emine. Ngenxa yokuba izilwanyana ezincinci nezingeyongozi ziphantse zahlawulwa yi-inshurensi yetyala labucala. Nangona kunjalo, ngokuqinisekileyo kufuneka ujonge ngokweenkcukacha iimeko zoluhlu lweerhafu ezihambelanayo zeenkampani ze-inshorensi ukuze uzilungiselele kakuhle amabango omonakalo.
Ukuba uhlala nekati yakho kwindlu yakho, i-inshurensi ephakathi ihlala yanele. Yonke imingcipheko eyinyani yomnini ikholisa ukugutyungelwa ngokufanelekileyo luxanduva jikelele. Logama nje umonakalo werenti kunye netyala elinxulumeneyo lingaqukwanga kwiindonga zakho ezine, i-inshurensi yekhaya ebalaseleyo ingahlawula amatyala olungiso oluyimfuneko emva kokuziphatha kakubi kwentshontsho lekati.
Nangona unoxanduva ngokubanzi ngesilo-qabane sakho, ngokwendlela yokusebenza kunzima kakhulu kumntu owenzakeleyo ukubonisa ubutyala bekati yendlu yakho. Iinkundla azifuni ngandlela zonke ukuba ziyalele umnini ukuba ahlawule umonakalo ngenxa yentelekelelo. Yiyo loo nto ikwasemdleni weinshorensi zamatyala ukuba zikunike ukhuseleko olusemthethweni olungenamsebenzi. Uyakuphepha ukulungisa iingxaki ngokwazisa uluntu ngezityholo kwangethuba. Ayinamsebenzi nokuba ucinga ukuba ikati yakho ayinatyala. Ngenxa yokhuseleko lwasemthethweni olubandakanyiweyo, i-inshurensi isenokuya enkundleni ngenxa yakho. Nokuba sithini isiphumo senkqubo enjalo, awusoloko uthwala naziphi na iindleko ezinemirhumo ebalaseleyo yetyala.
Ubutyala obukhethekileyo kubanini beekati xa kusenzeka ukonakala kwiNdawo eRentwayo
Ukuba urentile indlu yakho kuphela, kuyafaneleka ukuba ujongisisa iinkcukacha zekhontrakthi. Ngenxa yokuba xa uphuma kwindlu ngokuqhelekileyo kukho ingxabano phakathi kwabanikazi bezindlu kunye nabanini beekati, apho awukwazi ukuthembela ngokupheleleyo kwi-inshurensi yakho yangasese. Ngokwahlukileyo kwimikrwelo kwifenitshala oze nayo, umninimzi, umzekelo, uya kuba madolw' anzima ukubona amanqaku asisigxina kwi-parquet eqashiweyo.
Ukongeza, ekuhambeni kweminyaka embalwa, kunokwenzeka ukuba ikati yakho iya kuwohloka kakhulu imeko yezibonelelo zococeko kunye neekhitshi ezakhelwe ngaphakathi. Ezi zizinto ezirentwayo ezingaqukwanga nakuluhlu lweerhafu ezisisiseko kwii-inshorensi ezininzi zetyala. Ukuba umnini-mhlaba wakho wangaphambili ukucela ukuba ubeke umgangatho omtsha okanye ubeke indawo yokuhlambela kunye nezixhobo zasekhitshini njengenxalenye yentshukumo ngenxa yemikrwelo, uhlala ushiyeka neendleko ngenxa yesi sizathu. Izixa ze-invoyisi kuluhlu lweedijithi ezine aziqhelekanga.
Kodwa kukho ababoneleli abathile abaneekhontrakthi zetyala ezilungileyo kakhulu ababonelela ngokhuseleko olugqwesileyo kuwe njengomnini wekati kwindlu erentwayo. Okoko nje ungeyonto yonke, uyaxhamla ngokujonga kufutshane kakhulu kumaxabiso aneenzuzo zomonakalo wokurenta. Kwezinye iinkampani ze-inshorensi, idlala indima ebalulekileyo nokuba isenzo sokungakhathali somnini kwiflethi erentwayo ikhokelele kumonakalo. Ngamanye amaxesha ityala alihlawuli kuba nguwe onoxanduva lokuziphatha kakubi kwekati yakho.
Ukungakhathali kukho, umzekelo, ukuba unika umhlobo wakho isilwanyana ukufikelela kwindawo esengozini. Kule meko, i-inshorensi kaninzi ayisayi kuvala imikrwelo kwigumbi eliqeshisayo elinomgangatho obuthathaka. Ukuba uyathandabuza, kuyacetyiswa ukuba ubuze iingcali malunga nokuba intlawulo yetyala lomonakalo werenti ikhusela nini umnini wekati kwimigibe yeendleko.
I-Inshurensi yeTyala eLungileyo kwiikati
Nokuba kuxhomekeke kuhlobo lwemfuyo ukuba isilwanyana sasekhaya singaphandle kwaye nokuba umlingiswa waso unokubangela ubunzima, i-inshurensi yetyala labucala eneneni isoloko ifanelekile. Ngokomzekelo, nelona kati lithandekayo linokukhawuleza ukukrwela ipeyinti yemoto ngelixa lidlala. Kwimeko yamadoda amakhulu kakhulu okanye anobundlongondlongo, kuyacetyiswa ukuba athathe i-inshurensi yetyala nge-inshorensi ephezulu kakhulu.
Ukuze ulungiswe kakuhle ngokwembono yezomthetho kunye noxanduva lwakho lwabucala kuyo nayiphi na i-adventure engafunekiyo yekati yakho, kuya kufuneka uncamathisele ukubaluleka kwe-inshurensi xa uthatha i-inshurensi, kunye nezithintelo kwimeko yokungakhathali. ukuziphatha kunye nobubanzi bokhuseleko lomthetho. Ukuba uhlala kunye nesilwanyana sakho kwindawo yokuhlala eqashisayo, iinzuzo xa kwenzeka umonakalo werenti zibaluleke kakhulu. Kuphela ngepakethi ye-inshorensi edibeneyo egubungela yonke into enokubakho kubomi bemihla ngemihla yekati yendlu yakho kunye nendawo yakho yobuqu, njengomnini, ukuthintela iingxaki zetyala lemali.