Onwunwe insurance

Echiche nke "ihe onwunwe mkpuchi" na-agụnye a iwu definition nke nche ọdịmma nke ulo oru na ndị mmadụ n'otu n'otu. Insurers etolite a kpọmkwem ego efu, nke na-aga ugwo nke ụfọdụ insurance ekwu. Taa nso nke insurers gbasaa, gbanwee echiche nke "ihe onwunwe mkpuchi". Gịnị ya ugbu a pụtara?

Ọhụrụ mbipụta nke Iwu nke Insurance enye onwunwe mkpuchi nke ndị mmadụ n'otu n'otu metụtara ha ọdịmma na ojiji, ụtọ ya na ndozi nke onwunwe.

Mgbe ihe mkpuchi ụlọ ọrụ na-abanye ihe mkpuchi nkwekọrịta na ụmụ amaala, ọ bụ ụgwọ chefuo na mmebi ha mere ka ihe onwunwe. Na obodo liability nwere ọtụtụ ihe e ji mara hell:

- onwunwe nri ;

- obodo iwu, tinyere ibu ọrụ nke abụọ ahụ banyere n'ime obodo iwu mmekọahụ ọ bụla ọzọ;

- ego nke ibu, na-adabere size nke ọnwụ mere ka ma ọ bụ mmebi.

Property insurance nwere ike ịbụ na abụọ iche: amanyere bụ iwu na afọ ofufo.

Bụrụ na nke afọ ofufo onwunwe mkpuchi n'etiti insurer na ịnshọransị nkwekọrịta e mere ma ọ bụ ike iwu nke insurance na ndabere nke ẹdude iwu. All mkpa ọnọdụ na-kpọmkwem na akwụkwọ.

Ọ bụrụ na nke a bụ ihe iwu na mkpuchi nke ihe onwunwe, ọ ga-ekpebisi ike site iwu nke obodo ibu. Ya mere, nke a na ụdị insurance mkpa ka ị ga-notarized.

Property insurance - bụ otu n'ime alaka. Na ya na ihe onwunwe na ihe onwunwe ọdịmma nke ndị na-eme omume n'ụdị insurance mmekọahụ. Site na aku na uba na n'ọnọdụ, onwunwe mkpuchi bụ akwụ ụgwọ maka mmebi nke ahụ mekwara ka a n'ihi ihe insured omume.

The policyholder nwere ike amụma mkpuchi ha onwe ha ihe onwunwe nakwa dị ka ihe onwunwe na-onwunwe-ya, mkpofu na ojiji. Taov nwere ike n'ala ma na ikuku njem, na ibu, ụlọ, na ụmụ anụmanụ, na ngwá, ubi, ugbo na ọtụtụ ndị ọzọ.

Akpọkwa insurance na-ekewa ezinụlọ-abụ, ụlọ, ugbo ala na ụmụ anụmanụ. Mgbe ụmụ anụmanụ na-ịnshọransị bụrụ na nke ikpe, a na-amanye igbu egbu ndị ọdachi, na-efe efe ma ọ bụ ọkụ, ha amụma mkpuchi ndabere nke akwụkwọ uru nke 70%. Ọ na-chere na obere anụ ụlọ na-ịnshọransị n'afọ ofufo. Ha amụma mkpuchi zuru ezu ọnụ na Ọdịdị nke ahụ n'ụlọ na ihe onwunwe. Nke a na-eme site a iche iche ihe onwunwe mkpuchi na a farmstead.

Ọ bụrụ na ihe onwunwe mkpuchi na-abịa ụlọ, na-adọba ụgbọala ma ọ bụ outbuildings, ndị na-amanye ịrụ insurance enye 40% nke ha bara uru dị ka ala ntule na afọ ofufo - 60%.

Ọ ga-kwuru na mkpuchi bụ n'okpuru ego ndetu, akwụkwọ, ihe odide, ala, ngwaahịa mere nke dị oké ọnụ ahịa ọla na antiques.