Ngobukho beemeko ze-franchise kwisivumelwano, i-inshurensi yepropathi iya kuba luhlobo oluqhelekileyo lweinshurensi kwaye inani lezivumelwano ezinjalo likhula ngokungalawulekiyo. Umtsalane weinshurensi yepropathi ene-franchise icacile kwaye iyinzuzo macala omabini amaqela kwisivumelwano esisayinwe. Ithuba lokungagubungeli inxenye yomonakalo obangelwe, ngokwemali, engabuyiswanga kumxhamli kwaye engabhatalwanga yi-inshurensi, kwimeko yesiganeko se-inshurensi- oko kubizwa ngokuba yi-franchise, xa ufaka i-inshurensi ehambayo kunye nepropathi engenakususwa , ineenkalo zayo ezintle. Kwi-inshurensi, ubukho kwisivumelwano semali ebekiweyo, exhuzulweyo enemiqathango, kwisixa esimiselweyo okanye ipesenti elinganayo yemali yeinshurensi okanye ipesenti yelahleko, ivumela ukonga imali xa ukhupha ipolisi. Umxhamli ufumana ithuba lokuba angabuphelisi ngaphambi kwexesha ubudlelwane bekhontrakthi kwipolisi yeinshurensi, ukugcina ukuthembeka kwentlawulo yeinshurensi, kwaye ayifumane xa kubangelwe monakalo omkhulu kwizinto ezibonakalayo. Ngelahleko ezingabalulekanga, ngemali encinci, ukulungele ukuzimela, ngokuzithandela agubungele ilahleko yakhe, ngaphandle kokufuna imbuyekezo evela kwinkampani.

Ukubonakalisa kwisivumelwano se-actuary, ipesenti ye-franchise, inika ithuba lokuba kumnyama kubo bobabini ababandakanyekayo kubudlelwane besivumelwano. Kubukho bepropathi engabalulekanga kunye nelahleko yemali, ngohlobo lomonakalo omncinci, imikrwelo, iintanda, ilahleko ngamanzi avela kwinkqubo yokufudumeza, okanye ukuphumelela kwenkqubo yelindle, kulula ukuba i-inshurensi iphelise iingxaki ezincinci ngokwayo, ukulungiswa okuncinci yepropathi, kunokuba ubandakanyeke kwaye ubandakanyeke 'emaphepheni', ugcwalise amaxwebhu 'emfumba' xa ubhalisa imbuyekezo yemali. Ngaphandle koko, inkqubo yamaphepha ngokwawo inokubandakanya iindleko ezingangqalanga, ngaphezulu kobungakanani bomonakalo owenzekileyo, kunye nexesha, umgudu, kunye 'neerves' ezingafanelekanga. Ukucacisa ukusebenza kwe-franchise ye-inshurensi kunye nomnini-polisi, ubungakanani bokuqinisekisa kufuneka bugqithe kwinani lobuncinci obunokubakho kwaye banelise amaqela omabini kumaqela enza isivumelwano. Ngokweentlobo, ukongeza kwimeko exhuzulweyo, i-actuary yempahla, ezinye iindlela zisetyenzisiwe-ngaphandle kwemiqathango, okwethutyana, amandla, isiseko semigaqo yentlawulo. Ukuba kwisivumelwano seinshurensi yepropathi nesiqinisekiso esinemiqathango, ipesenti yomonakalo kunye nesona salathisi siphezulu, esimiselwe kwisivumelwano, sibaluleke kakhulu. Xa ibonakaliswe kwisivumelwano se-inshurensi- unciphiso olungenamiqathango, oko kuthetha imeko eyenziweyo xa inani lomonakalo wepropathi lingaphantsi kwembuyekezo yomshuwalense kwaye lincitshisiwe kubalo ukuba ilahleko ingadluli kwisixa esitsalwayo, ke oko angabuyiselwa kumnini-polisi.

Ukubonakaliswa kwikhontrakthi ye-inshurensi yepropathi-eqinisekisiweyo okwethutyana, kuthetha imeko apho ilahleko enokubakho yomnini-polisi isebenza ngokufanelekileyo kwisithuba esithile ngemihla yexesha elichaziweyo lokuncitshiswa. Ukuba kuncitshiswe okwethutyana, umhla obekiweyo we-inshurensi uphelile, intlawulo ye-inshurensi ayisebenzi kwaye ayihlawulwa. Isixa se-inshurensi yempahla eshukumayo enamandla ixhomekeke kwiimeko ezithile kwaye inokwahluka. Ubungakanani bomonakalo ongahambelani nembuyekezo buyahluka kwaye buzibonakalisa kwiinkampani ezahlukeneyo zeinshurensi ngeendlela ezahlukeneyo, umzekelo, kwimeko yokuqala ye-inshurensi, ikhulu leepesenti liyabuyiselwa, emva koko ubungakanani bentlawulo buncitshiswe ngama-20% okanye nangaphezulu. Inzuzo yeinshurensi yepropathi ene-franchise inemilinganiselo engathandabuzekiyo kwaye engenamiqathango, eyilelwe ukuqinisekisa ukukhuselwa okuqinisekileyo kokhuseleko lwepropathi yabantu kunye namaziko asemthethweni, ngentlawulo ethile. Ukusetyenziswa kwendlela ye-inshurensi yelungelo lokugcina imali inika ithuba lokunciphisa iindleko ze-inshurensi kunye nokugcina imali yomxhamli yokubuyisa ilahleko yemali.

I-franchise yenkampani ye-inshurensi yiprojekthi efanelekileyo, ekuphumezeni oko, kuya kufuneka ukhumbule malunga nomngcipheko ochaphazeleke kuwo. Ishishini le-inshurensi ye-inshurensi inokuba yingozi enkulu ngenxa yokuba ujongene nemali kunye nezinto ezinokwenzeka. Kufuneka ube nesitokhwe esithile semithombo yezezimali kwimeko yomsitho we-inshurensi. Ngokunxibelelana ne-franchise, unokufumana ulwazi oluhlaziyiweyo kunye neprojekthi yeshishini esele yenziwe. Ukongeza, iteknoloji ekumgangatho ophezulu kunye nokwazi ngendlela eyahlukileyo akufuneki kujongelwe phantsi, kodwa endaweni yoko kusetyenziselwe ukufezekisa iziphumo eziphezulu. Sebenzisa i-franchise ngokufanelekileyo, uzise inkampani yakho ye-inshurensi kwinqanaba elitsha lobuchwephesha.

Uya kuba nalo lonke ithuba lokufumana iziphumo ezinomtsalane kolu khuphiswano kuba kuya kubakho ithuba lokuxhaphaza uphawu lwentengiso olaziwayo, ubuchwephesha obuphezulu, kunye nesakhono sokwakha nokusebenza ngokufanelekileyo kweprojekthi yeshishini. Inkampani yakho yeinshurensi iya kuba nakho ukufaka iiches ezikhokelayo ukuba ithengisiwe ngokulandela imigaqo evela kubameli befranchise.

Awudingi ukunika amathuba kubachasi bakho ukuze bakufumane. Ngokuchasene noko, qiniseka ukuba unokuhlala uhamba inyathelo elinye xa usebenza nefranchise. Emva kwayo yonke loo nto lithuba elikhethekileyo lokungena kwintengiso kunye nesibonelelo esele sikhona, enkosi apho uya kuba nakho ukuqinisa kwaye ixesha elide kwimowudi yokusebenza ehlala kwi-niches ekhokelayo. Inkampani yeinshurensi ethatyathiweyo ikwavumela ukuba utyebise i-franchisor. Emva kwayo yonke loo nto, kuya kufuneka uhlawule isixa semali esele sikho kwinqanaba lokuqala. Esi sisixa semali esiphathekayo, nesibalwa njengepesenti yotyalo-mali lwakho, ebonelelwa kwinqanaba lokuqala lomsebenzi.

Isicwangciso seshishini esenziwe ngokufanelekileyo nangokufanelekileyo sokwenza ishishini kwifranchise yeenkampani zeinshurensi ziya kukuvumela ukuba ujongane ngokulula nayo nayiphi na imisebenzi, nokuba babonakala kunzima kangakanani ngaphambili.

Ukongeza kwigalelo lesambuku, ukuncitshiswa kwenyanga kubonelelwa nakwinqanaba lokuqala. Ubukhosi obu, kunye nomrhumo, obizwa ngokuba yintengiso. I-inshurensi esebenzayo ye-inshurensi iya kukunika amathuba owafunayo ukuze uphumelele ukhuphiswano ngenqaku elibi kubachasi bakho. Yenza okungakumbi ngakumbi kubathengi bakho kunabo ukhuphisana nabo ngokuthe ngqo. Oku kuya kukunika ithuba lokujongana ngokulula nemisebenzi yayo nayiphi na into enzima, kwaye kuya kuqinisekisa inqanaba eliphezulu lokunyaniseka kwempawu. Iphulo lokwazisa xa ungena kwimakethi linakho ukwenziwa ngokuhambelana nemigaqo kunye nemigaqo ebonelelwe ngummeli wophawu.

Isicwangciso seshishini esenziwe kakuhle siya kukuvumela ukuba uphumeze ilungelo lokushishina kwinkampani yeinshurensi ngeziphumo ezilungileyo. Uyakwazi ukunciphisa iilahleko kwaye ngaloo ndlela uqinisekise ithuba lokuba lelona shishini likhuphisana kakhulu. Sebenza nokwandiswa kweenkqubo zeshishini, uzenze ngokufanelekileyo kwaye ngaphandle kokwenza iimpazamo. Kwakhona, ukuzenzekelayo akufuneki kujongelwe phantsi; ngokuchaseneyo, kufuneka isetyenziswe ngokusebenza ngokukuko.

Kwinkampani ye-inshurensi franchise, kuya kuba kuhle ukusebenzisa inkqubo yeCRM. Iya kubonelela ngesakhono sokuqhubekeka kwezicelo ezingenayo ngenqanaba eliphezulu lokusebenza. Sukwenza iimpazamo kwaye usebenze ngokwemigaqo, ube ngowona mdlali unokhuphiswano kwaye womelele kwintengiso. Ewe kunjalo, kuya kufuneka uhambelane nekhowudi yokunxiba xa uphumeza ilungelo lokuthengisa kunye nenkampani yeinshurensi. Mhlawumbi uya kunikwa iyunifom esele yenziwe, okanye kuya kufuneka uzithunge ngokwakho usebenzisa iipateni onazo. Ukongeza, ikhowudi yoyilo kufuneka ilandelwe ukufezekisa ubumbano olupheleleyo.

Iprojekthi yeshishini eyilwe kakuhle iya kubonelela ngazo zonke izixhobo zokuphumeza ngokufanelekileyo. I-franchise yenkampani yokwakha iya kwenziwa yincwadi yeshishini. Olu luxwebhu lwetayitile olinike ukuba ukwazi ukujonga eyokuqala nanini na.

I-Franchise yesixeko ibonelela ngekhathalogu yezona zikhetho zibalaseleyo. Nawuphi na umkhangeli zincwadi unikezela ngamakhonkco aliqela kwimithombo eyahlukeneyo yenethiwekhi, enika ingqwalaselo koosomashishini abafuna ukuthenga ilungelo lokuqhuba ishishini esele lilungile kwisixeko sabo, ukhetho lwezona zinto zibalulekileyo nezifanelekileyo zokufumana ilungelo lokuthengisa. Kwangaxeshanye, kuyafuneka ukuba uqonde ukuba ekwakhiweni kwekhathalogu, imeko yokuhlala inokuba yinto ebaluleke kakhulu. Umzekelo, isixeko esikhulu siyakuyalela iimfuno zalabo abathenga iifrigisi, kwaye iziko elincinci lengingqi liya kuyalela eyalo. Kucacile ukuba abemi beedolophu ezinkulu, imikhwa yabo yemihla ngemihla, indlela abaphila ngayo, ibhasikithi yeempahla zabathengi kunye neenkonzo zinokwahluka kakhulu kwiiparameter ezifanayo kwiindawo zokuhlala ezincinci, kwaye oku kufanele ukubonakaliswa kwikhathalogu yelungelo lokuthengisa. Kwixesha langaphambili, kukho imfuneko ethile, nangona inesithintelo, yeemveliso zepremiyamu kunye neenkonzo, kwaye kukwakho nomaleko obonakalayo wabathengi abangahoyi kangako kutshintsho kwixabiso leemveliso abazithenga rhoqo.

Ayinamsebenzi kubo. Kodwa balixabisile ixesha labo kunye nokulungela, ke bafuna ukubona izinto eziqhelekileyo zokusetyenziswa kwemihla ngemihla kumgama wokuhamba kwaye abakulungelanga ukukhawulezisa emva kwabo ukuya kwelinye icala lesixeko. Nangona kunjalo, kuso nasiphi na isixeko esikhulu, kukho iqela labemi elinemivuzo ephantsi kwaye, ngokufanelekileyo, amabango asezantsi ngokubhekisele kwixabiso kunye nomgangatho wokutya, impahla, izihlangu, ukuzonwabisa, njalo njalo. Ngamanye amagama, uluhlu lweefranchise ezifunwayo kwindawo yokuhlala enkulu okanye encinci zinokubanzi kwaye zahluke ngokwahluka okukhulu ngokwenqanaba lamaxabiso, umgangatho, inkonzo enxulumene noko, kunye nezinye izinto ezichaphazela ukhetho xa ufunda ikhathalogu. Ngokwendalo, indawo yokuhlala enkulu, ngenxa yenani labemi, kwaye, ngokufanelekileyo, inqanaba eliphezulu lemfuno esebenzayo, ibonelela ngesantya esikhawulezayo sophuhliso lweshishini kunye nenqanaba elifanelekileyo lenzuzo. Umngcipheko wokungaphumeleli xa kuthengiswa into eyaziwayo neyaziwayo kwidolophu elikomkhulu isezantsi kakhulu kunakwisithili sedolophu.

Oku kufuneka kuthathelwe ingqalelo xa usebenza kwikhathalogu yee-franchise, kunye nenqanaba eliphezulu leemfuno zabasebenzisi beendawo zomxholo kunye nokulungelelaniswa kwendawo yolwazi. Ngamanye amagama, isixeko sinezinto esizithandayo kunye neemfuno zabathengi ezifuna ukukhunjulwa xa kulungiswa ikhathalogu enezindululo zorhwebo, kubandakanya neenkcazo ezineenkcukacha malunga neefranchise, ukubalwa kwamaxesha okubhatala, unxibelelwano lwabanini kunxibelelwano olukhawulezileyo, njalo njalo.

I-Franchise kwidolophu encinci inekhathalogu yezona zikhetho zibalaseleyo. Olona khetho lufanelekileyo lwedolophu encinci. Oosomashishini abafuna ukuthenga ilungelo lokuqhuba ishishini esele lilungile, nokuba kukwinqanaba elincinci okanye elikhulu banokufumana ngokulula unxibelelwano olunjalo kuyo nayiphi na injini yokukhangela. Kwiimeko ezininzi, ukusebenza kwi-franchise kulunge ngakumbi, kunokuthenjwa, kwaye kunenzuzo xa kuthelekiswa nokwenziwa kweprojekthi ethile yeshishini, njengoko besitsho, 'ukusuka ekuqaleni'. imveliso okanye inkonzo eneempawu ezizodwa, yonke into oyifunayo kukwahluka okhuphisana nabo, ngakumbi kwidolophu encinci, yenza uphawu kunye nemifanekiso ehambelana nemifanekiso kunye negama lomlomo, njenge logo, isilogeni, imiyalezo yentengiso, njalo njalo, tyala imali eninzi imali kwiphulo lokuzisa imveliso kwintengiso kunye nokuyazisa ngakumbi. Kwaye kwangaxeshanye, kuhlala kukho umngcipheko wokuba uyaphazama, abathengi abanamdla kwimveliso yakho, kwaye ishishini ekugqibeleni liya kutsha.

Kwaye uya kushiyeka udanile kumandla akho kunye namatyala, nokuba mncinci okanye makhulu, kuxhomekeke kumabango akho okuqala. Nangona kunjalo, xa ukhetha, ulungiselela ikhathalogu ekhethekileyo ye-elektroniki kwaye uqhubekeka nokusebenza ngeefranchise, umba onje ngobukhulu bedolophu kufuneka uthathelwe ingqalelo ngaphandle kokusilela. Ibeka ikakhulu indlela yokuphila yabemi, kwaye, ngenxa yoko, ukhetho malunga nokutya, ukuzonwabisa, izihlangu kunye nempahla, imfundo esisiseko kunye neyongezelelweyo, ezemidlalo, ukuzonwabisa, njalo njalo. Kwiidolophana ezincinci, akukho mfuneko yeemveliso zepremiyamu kunye neenkonzo, ke akunangqondo ukuthenga ilungelo lokuthengisa ubucwebe, iimpahla zodidi, impahla ebiza kakhulu, izihlangu kunye nempahla yesikhumba, iimoto zodidi, okanye nantoni na eloluhlobo.

Ngokuhambelana, akukho sizathu sokwenza iikhathalogu ezibandakanya iimveliso ezinjalo. Kodwa imfuno yeenguqulelo ezingabizi kakhulu zezi zinto zingasentla, ezinikezelwa yindawo encinci yokuhlala, zinokuzisa umvuzo ozinzileyo. Kuyafana nakwiifranchise zoqeqesho kunye nokuqhubeka kweenkonzo zemfundo, imibutho yezemidlalo, enje ngamaziko omzimba, iiklabhu, okanye amadama okubhukuda. Ngokwesiqhelo kwikhathalogu, ukongeza kwinkcazo yelungelo lokuthengisa, ukunxibelelana nabanini ukuba baxoxe ngeenkcukacha zentsebenziswano, njalo njalo, kukwakhona ukubala kwexesha lokuhlawulwa kweshishini. I-franchise ithatha imfuneko yentlawulo yokuqala kunye neentlawulo ezizayo zenyanga, ezixhomekeke ngqo kwixabiso lebhrendi kunye nokubala kwangaphambili kwenzuzo yeprojekthi kwidolophu encinci. Ezi zibalo kufuneka zitshekishwe ngokweenkcukacha, kuthathelwa ingqalelo inani labemi bedolophu encinci, umgangatho webhasikithi wabathengi, inqanaba lomndilili womvuzo, kunye nezinye iiparameter ezibalulekileyo.

Iifranchise kwiidolophu ezincinci namhlanje ziyafumaneka kuwo onke amandla ahlukeneyo emali. Inzala kwii-franchise ikhula minyaka le kwaye imarike ye-franchise ikhula ngokukuko. Iimeko zokuthengisa ngokuthengisa zinika iimeko eziyimfuneko kolu phuhliso. Ngapha koko, ukuqala ishishini lokuthengisa ngokuthengisa kulula kakhulu kunokuqala ishishini lakho. Ngenxa yento yokuba uphawu, imveliso, okanye inkonzo inikezelwa yi-franchisor kwifom esele yenziwe, kunye nemveliso kunye nobuchwephesha bokuthengisa, iinkqubo zeshishini eziqinisekisiweyo zocwangciso, ulawulo kunye nokwenza ingxelo, iingcebiso malunga nokukhethwa kunye noqeqesho lwabasebenzi, inkqubo yombutho ikhawuleza kakhulu kwaye iphumelele ngakumbi. Ewe kunjalo, okuninzi kuxhomekeke kubungakanani bommandla ekucwangciselwe ukuseka inkampani.

Iidolophu ezincinci kule meko zinemiqobo emikhulu xa kuthelekiswa nemigqalisela. Kucacile ukuba isixeko esincinci silifanele ngakumbi ishishini elincinci kwisiseko sefranchise kunakwiprojekthi yeshishini elikhulu. Kwaye icandelo lamaxabiso kufuneka lifaneleke (phakathi kunye nangaphantsi komndilili). Izinto zodidi, iimpahla zepremiyamu, kunye nezihlangu, iimoto zodidi, njl njl. Ke, umntu onelungelo lokuthengisa ngokuthengisa kufuneka afunde kwimakethi esixekweni apho aceba ukusebenza khona, avavanye amathuba kunye nethemba lemfuno yabathengi, imeko yokhuphiswano, njl njl. izibalo. Emva kwayo yonke loo nto, i-franchise ifunyanwa ngethemba lokuphumelela kunye nokufumana inzuzo kwishishini.

Uvavanyo olungachanekanga lwemeko yentengiso, ixesha lokuhlawulwa kwentlawulo yokuqala, isixa esilinganiselweyo semali yenyanga, iirhafu, imivuzo, kunye nezinye iindleko zokusebenza zinokuphelisa konke okulindelweyo kunye nethemba. Ngokwesiqhelo, izixhobo ze-Intanethi eziqukethe iikhathalogu ze-franchise, ukongeza kwinkcazo ngokubanzi kunye nabafowunelwa bee-franchisors, zikwabonelela ngedatha kwintlawulo yokuqala, ixesha lokuhlawula, kunye nezinto ezongezelelekileyo ezibonelelwa ngumnini webhrendi (imigaqo-nkqubo esemgangathweni, iimodeli zetekhnoloji kunye nezikimu, uqeqesho iinkqubo zabasebenzi, ulwazi lwentengiso, njl. Ke, i-franchise ihlala inentshayelelo kwilungelo lokuthengisa. Impumelelo yeshishini elincinci (kunye nayo nayiphi na enye) iya kuxhomekeka ngokupheleleyo kukhathalelo, uxanduva, kwaye, ukuya kuthi ga kwinqanaba elithile, ubuchule bokuba nosomashishini osakhasayo.

I-franchise yedolophu encinci inezinto ezininzi ekufuneka zithathelwe ingqalelo xa kucazululwa imakethi, ukhetho lomthengi, uzinzo kwimfuno esebenzayo, kunye nezinye izinto ezichaphazela ngokuthe ngqo amathemba eshishini kunye nenqanaba lokufumana inzuzo. Indawo yokuhlala encinci ayenzi iimeko ezifanelekileyo ngokukodwa kuphuhliso olukhawulezayo lweshishini. Uninzi lwazo lincinci, kuhlala kukho iifemu ezinabanikazi bosapho eziqonda kakuhle iimfuno kunye neemfuno zabahlali besixeko. Ngokuhambelana, kwidolophu encinci enjalo, ukukhethwa kwee-franchise ezingabizi kakhulu kuyadingeka, ngaphandle kweemfuno ezintsonkothileyo zeenkqubo zeshishini, imithetho yobalo, ukhetho kunye noqeqesho lwabasebenzi.

Idolophu encinci icacisa inkqubo engenantsingiselo yokunxibelelana nabathengisi kunye nabathengi, ihlala iyindlela yomntu ngamnye kumthengi ngamnye. Ngenxa yokuba inani labathengi kule ndawo yokuhlala lilinganiselwe, impumelelo ye-franchise iyonke iya kuxhomekeka kwinqanaba lenkonzo. Xa esebenza kwi-franchise, usomashishini akadingi ukwenza ishishini lakhe, ufumana iiresiphi esele zilungile, iinkqubo zeshishini, inkqubo yokulungiselela imisebenzi yemihla ngemihla kunye nokubalwa kwemali, izixhobo zolwazi, kunye neemfuno zabasebenzi, kubandakanya neenkqubo zabo zoqeqesho . Nangona kunjalo, nguye kuphela oya kuba nakho ukufundisisa imakethi kwaye abone ukuba ezi mpahla kunye neenkonzo ziyafuneka kule dolophu incinci, nokuba ibango elisebenzayo lizinzile ngokwaneleyo, nokuba akhona amathuba ophuhliso lweshishini, njalo njalo. Kwelinye icala, ukhetho olufanelekileyo lwe-franchise, isixeko esincinci sinika ukwehla kwemingcipheko yokushishina, kuba ubungqongqo bokhuphiswano, isoyikiso sokuthimba kwabahlaseli, kunye nezinye iindlela ezimbi zibonakaliswa kancinci kakhulu xa kuthelekiswa nedolophu enkulu . Ishishini elincinci kwidolophu encinci likhona ngoxolo nangokuzola, ngaphandle kwezikhonkwane ezininzi kunye nokusilela ukuba, ewe, ifumana abathengi abanokuthenjwa.

Ngokwesiqhelo, iikhathalogu ze-franchise zekhompyuter aziboneleli ngenkcazo eyoneleyo kunye nembali yeshishini kodwa kunye nonxibelelwano lwabanini bezonxibelelwano, kunye nokubala okuthe ngqo kokubuyiselwa kweprojekthi yorhwebo. Ezi zibalo zithathela ingqalelo umrhumo wokuqala wefranchise, oxhomekeke kwixabiso lophawu, kunye neerali zenyanga, zihlala zibalwa njengepesenti yengeniso eqikelelweyo. Kuyacetyiswa ukuba usomashishini osakhasayo ajonge ezi zicwangciso kunye nokubala, iindleko ezisisigxina nezingafaniyo, umvuzo, utshintsho lwamaxesha onyaka kwimfuno, kunye nezinye izinto ezinje ngeenkcukacha ukuze ungaphazami kulindelo lwabo.

I-inshurensi yokuzenzekelayo ye-inshurensi- igama elikuyo yonke indawo kwi-inshurensi yokuzithandela ibalulekile xa ukhusela imoto. I-inshurensi yokuzenzekelayo ye-inshurensi 'yilahleko engahlawulwanga'. Xa ujongene neinshurensi yemoto, ezona ntlobo zixhaphakileyo kunye neendlela ezisetyenziswa rhoqo zefranchise zinemiqathango, zingenamiqathango, kwaye zinamandla. I-inshurensi yemoto exhuzwayo enemiqathango ibonelela ngemiqathango esele kuvunyelwene ngayo yesivumelwano esenziwe phakathi kwe-inshurensi kunye nomnini-polisi ngenxalenye yomonakalo wezinto ezingenako ukoneliseka kunye nokungahlawulwa kwentlawulo yemali. Ukuxhuzulwa kuchazwa kumvuzo omiselweyo okanye ipesenti efanelekileyo yenani le-inshurensi okanye umonakalo owenziwe. Ngokudodobala okungenamiqathango - isixa sentlawulo ye-inshurensi sibalwa njengomahluko phakathi kwemali yelahleko kunye nemilinganiselo iyonke yokutsalwa.

IDynamic ivumela ukutshintsha ipesenti yegalelo lelahleko yezinto kumxhamli, kutshintsha inqanaba elingafakwanga kwiindleko zembuyekezo. Inkqubo eqinisekisayo yegalelo lenkampani ye-actuarial yahlukile kwaye ingahluka ngokuxhomekeke kwinani lamatyala, ukusukela kwikhulu leepesenti kwigalelo le-inshurensi yokuqala nangaphantsi kwamashumi amabini eepesenti kwiziganeko ezingxamisekileyo ezilandelayo. Eyona njongo iphambili kunye nokusetyenziswa kwe-auto franchise kukunciphisa inani lamabango e-actuary policyholders kumonakalo omncinci kunye nentlawulo encinci, encinci yemali. Kwinkqubo nganye yommiselo wobhaliso lomsitho one-inshorensi ngokuyinxenye, ukwenza imibuzo, amaxwebhu okuqhubekeka okuzenzekelayo, ukwenza zonke iintlobo zenkqubo yezobuchwephesha kunye novavanyo, intlawulo yemali ezenzekelayo iyenziwa, umndilili, ixabiso lilonke elihlala lidlula inani lesixa ilahleko eyenziweyo kwaye ikhokelela kubunzima obukhulu bexesha 'lokuchitha'. Kumnini weinshurensi, ilungelo lokushishina libonelela ngoncedo kwaye liyanceda ukunqanda iindleko ezingenangqondo, kwaye i-inshurensi- inika ithuba lokonga imali kunye nokunciphisa ngokubonakalayo ukubandakanyeka kwabasebenzi ukusombulula umsitho ohlawulelwayo. Ipesenti yokuqinisekisiweyo ichaphazela ixabiso le-inshurensi yemoto, ixabiso lalo esezantsi, iindleko ze-inshurensi eziphakamileyo, kunye nokunye. I-inshurensi ezenzekelayo eqinisekisiweyo ikhethwa kakhulu phakathi kwabaqhubi abacocekileyo abasoloko belandela indlela eyiyo yokuqhuba, belandela imigaqo yezithuthi, kwaye beqwalasele iindlela.

Nanku umgaqo wokuqhuba ngaphandle kwengozi kunye nokufumana izibonelelo zezinto ezifakiwe. Zimbalwa iingozi kunye neziganeko zeinshurensi, iifowuni ezimbalwa kwinkampani yeinshurensi, kwaye ke, ngokufanelekileyo, izaphulelo zepesenti kunye nezibonelelo zabathengi rhoqo, kunye nentlawulo yeinshurensi yothutho elandelayo. Kwifemu yeinshurensi, ngokuzithandela i-inshurensi yemoto enesiseko esikhulu sabaxumi abanamava lishishini elinenzuzo ezinzileyo.