Umshwalense wesikole: okudingeka ukwazi

Njalo lapho kuqala unyaka wesikole, sizibuza umbuzo ofanayo. Ingabe umshwalense wesikole uyimpoqo? Ingabe awufanisi umshwalense wethu Wekhaya, ohlanganisa isikweletu somphakathi? Sithatha isitoko. 

Isikole: ungawuthola kanjani umshwalense?

Esikoleni, uma ingane yakho injalo isisulu somonakalo okubangelwa isimo esingesihle sebhilidi (ukuwa kwe-roof tile) noma ukuntula ukuqondisa kothisha, ukusungulwa kwesikole Ubani onesibopho.

Kodwa uma umntanakho eyisisulu sengozi kungekho muntu obhekene necala (ngokwesibonelo, ukuwa ngenkathi edlala yedwa endaweni yokudlala), noma uma engumbhali womonakalo (ingilazi ephukile ), nguwe, abazali bakhe, bathweswe icala. Ngakho-ke kungcono ukuthi ube nomshwalense omuhle!

Ingane inikezwa umshwalense kuphela uma kwenzeka ingozi ngesikhathi semisebenzi ihlelwe ukusungulwa noma phezu indlela yesikole. Ngu umshwalense wesikole kanye nowe-extra-curricular, ingane ifakwe umshwalense unyaka wonke nakuzo zonke izimo esikoleni, ekhaya, eholidini ...

Ingabe umshwalense wesikole uyimpoqo?

Ukubona wonke umshwalense wesikole ohlinzekwa yizinhlangano zabazali ekuqaleni konyaka wesikole, yonke into iphakamisa ukuthi uyimpoqo. Nokho, ngokomthetho, Akunjalo. Ingane yakho ingabamba iqhaza emisebenzini ethile ngaphandle kokuba nomshwalense wesikole… kodwa lokhu akuphephile kakhulu. Ngakolunye uhlangothi, uma engekho kumshuwalense, ingane yakho ngeke ikwazi ukuhlanganyela emisebenzini yokuzikhethela ihlelwe ukusungulwa.

Imisebenzi yesikole eyimpoqo: ngidinga umshwalense?

Ingane ayidingekile ukuba ibe nomshwalense ukuze izivocavoca a lokho okubizwa ngokuthi umsebenzi oyimpoqo. Kulungiswe uhlelo lwesikole, lokhu kumahhala futhi kwenzeka ngesikhathi sesikole. Ngamanye amazwi, ukuntuleka komshwalense wesikole akukwazi neze ukuvimbela ingane yakho encane iqhaza ekuphumeni kwabo njalo kwezemidlalo, elungiswa phakathi nesikhathi sesikole (ukuya endaweni yokuzivocavoca njengesibonelo).

Imisebenzi ongayikhetha: udinga umshwalense?

Njengoba igama liphakamisa, umsebenzi ozikhethela wona awuphoqelekile. Nokho, ukuze ingane yakho ibambe iqhaza, kufanele kumele kufakwe umshwalense. Amakilasi aluhlaza, ukushintshana kolimi, ikhefu lasemini: yonke imisebenzi esunguliwe ngaphandle kwesikhathi sesikole, zibhekwa njengezingakhethwa. Kuyafana nangemisebenzi efana nethiyetha nesinema, ngokushesha nje lapho umnikelo wezezimali uceliwe. Umshwalense wesikole ubalulekile uma ufuna ingane yakho ibambe iqhaza ekuphumeni.

Thola isihloko sethu kuvidiyo!

Umshwalense wesikole uhlanganisa ini?

Umshwalense wesikole uhlanganisa ndawonye izinhlobo ezimbili zeziqinisekiso :

– isiqinisekiso isibopho somphakathi, ehlanganisa ukulimala kwezinto ezibonakalayo nokulimala komzimba.

– isiqinisekiso "Ingozi yomuntu ngamunye", ehlanganisa ukulimala komzimba kwengane, kungakhathaliseki ukuthi kukhona owenze icala noma cha.

Kulokhu, kusukela ekuqaleni konyaka, izinhlangano zabazali zethula amafomula amabili - okungaphezulu noma okuncane - kubazali. Baphinde baqinisekise i izingozi ezidaliwe, ukuthi labo wahlupheka ngengane.

Ingabe Umshwalense Wezikweletu Wanele?

Umshwalense wakho Wekhaya uhlanganisa isiqinisekiso se Isibopho somphakathi. Ngakho lapho abazali bebhalisa kukho, izingane zikhava ngokuzenzakalelayo ngoba izinto ezibonakalayo kanye nokulimala komzimba ezingabangela.

Uma ingane yakho isivele ikhaviwe umshwalense we-Family Multirisk, kanye nomshwalense we-Liability, umshwalense wesikole ungase wenze umsebenzi okabili. Kuzobhekwa nomshwalense wakho. Qaphela: ekuqaleni konyaka, kuzodingeka ucele a Isitifiketi somshwalense, ozonikeza isikole.

Ikhava yengozi yomuntu ngamunye

Umshwalense wesikole uyahlinzeka iziqinisekiso ezengeziwe, eqondene ngqo nemfundo yezingane. Lokhu kungeziwe kumshwalense we-Civil Liability.

Ingahambisana nezinhlobo ezimbili zenkontileka futhi ihlale ihlanganisa ukulimala wengane:

– Isiqinisekiso se izingozi zokuphila (GAV)  ingenelela ukusuka ezingeni elithile lokungavumelekile (5%, 10% noma 30% kuye ngabadayisi bomshwalense). Wonke umonakalo ngomqondo obanzi ube usubuyiselwa: umonakalo wezinto ezibonakalayo, ukulimala kokuziphatha, ukulimala kobuhle, njll.

– Inkontileka "Ingozi yomuntu ngamunye" ihlinzekela ukukhokhwa kwemali enkulu uma kwenzeka ukukhubazeka noma ukufa.

Izinzuzo zomshuwalense wesikole

Umshwalense wesikole unga phathaizimali eziqondile, ezingakhaviwe Umshwalense Wesibopho Somphakathi wenkontileka Yasekhaya: ukulungiswa kwebhayisikili elonakele noma elintshontshiwe noma insimbi yomculo, imbuyiselo yezinto ezisetshenziswa zamazinyo uma kwenzeka zilahleka noma ziphuka, ukuvikelwa ngokomthetho uma kunengxabano nomunye umfundi (ukushaywa, ukuqhudelana ngemali, njll.) noma nesikole. Ukufakwa kubanzi.

Khetha umshwalense wakho ngokusekelwe emisebenzini yengane yakho. Emindenini emikhulu, qaphela ukuthi ezinye izinkampani zinikeza iziqinisekiso zamahhala ezivela enganeni yesi-4 noma yesi-5.

Ungabhalisa ku-a umshwalense wesikole nomshwalense wakho, noma nezinhlangano zabazali. Thola mayelana nazo zonke iziqinisekiso ezinikezwayo.