Phantse bonke abanini bamashishini banethemba lokuba abathengi babo basebenzisa rhoqo iimveliso zabo kwaye benze zonke iinzame zokukhuthaza abathengi babo ukuba babuye ukuze bazithenge ngakumbi. Ngokufanayo, abathengi ngokubanzi banqwenela ukonwabela iimveliso kangangoko banako; umzekelo, abantu abaninzi abakwazi ukufumana iipakethi ezaneleyo zeholide okanye ubulungu bokufaneleka.
Nangona kunjalo, kukho imveliso enye ebalekayo umjikelo weshishini onjalo-i-inshurensi. Eneneni, nokuba yi-inshorensi yobomi, yi-inshurensi yemoto, okanye yi-inshurensi yempahla, akukho mntu uyakunandiphayo ukwenza ibango. Ngaphandle koku, i-inshurensi enjalo ibalulekile kulawulo lomngcipheko, ngakumbi kwimeko yokuthunyelwa kwempahla, njengoko idlala indima ebalulekileyo ekukhuseleni imfezeko yempahla ngexesha lothutho.
Funda ukuze utyhile intsingiselo kunye neentlobo ze-inshurensi yomthwalo, kubandakanywa nemigaqo-nkqubo ye-inshurensi yomthwalo ophezulu, iingenelo ze-inshurensi yomthwalo, kunye nezinto eziphambili ekufuneka uziqwalasele xa ukhetha ipolisi ye-inshurensi yomthwalo ofanelekileyo.
Isiqulatho
1. Ukuqonda i-inshurensi yempahla
2. Izibonelelo ze-inshurensi yempahla
3. Iingqwalasela eziphambili xa ukhetha i-inshurensi yempahla
4. Ukhuselo olufanelekileyo
Ukuqonda i-inshurensi yomthwalo
Yintoni i-inshurensi yempahla
Njengezinye iindlela ze-inshorensi, i-inshurensi yomthwalo ibonelela ngokhuseleko oluyimfuneko kwiqela layo elifakwe kwi-inshorensi, ethi, kulo mxholo, ibhekiselele kwiimpahla ezithuthwa ngeendlela ezahlukeneyo zothutho, kumazwe ngamazwe nangaphakathi. Le inshorensi ibonelela ngembuyekezo yemali efunekayo ukuze ihlawule ilahleko kwiimeko zawo nawuphi na umthwalo owonakeleyo okanye olahlekileyo.
I-inshurensi yomthwalo wexabiso eliphezulu, ngokukodwa, inokuba luncedo ngakumbi njengoko yenzelwe ukujongana nemingcipheko ethile efana nobusela kunye nomonakalo ohambelana nempahla yexabiso. Ukuze olu khuseleko lwezemali lube lusebenza kakhulu, kubalulekile ukuvavanya ngokuchanekileyo ixabiso lomthwalo ukuqinisekisa ukhuseleko olwaneleyo.
Iintlobo ze-inshurensi yempahla
Iintlobo ze-inshurensi ye-Cargo zingahlelwa ngokusekelwe kwiindlela ezahlukeneyo zothutho. I-inshurensi yempahla yaselwandle lolona hlobo luxhaphakileyo lwe-inshurensi yomthwalo kuba imithwalo yaselwandle kuxelwa ukuba iyayiphatha ngaphezulu kwe-90% yorhwebo lwehlabathi. Le inshorensi ibandakanya zonke iimpahla ezithuthwa ngolwandle, ibonelela ngokhuseleko kwiingozi zaselwandle ezifana nokungqubana, ukutshona, nokuhlaselwa ngabaphangi.
Ngaphandle koko, i-inshurensi yomthwalo womhlaba yeyona inshurensi yempahla ilandelayo edla ngokufunyanwa. Oku kuthandwa kakhulu e-US, apho uthutho lwelori luyeyona ndlela iphambili yothutho. Le inshorensi ibandakanya zonke iintlobo zeendlela zothutho zomhlaba kwaye ikhusela kwindlela eqhelekileyo kunye nemingcipheko kaloliwe, kubandakanya ubusela, iingozi kunye nomonakalo ngenxa yeengozi ezahlukeneyo.
I-inshurensi yempahla yomoya, kwelinye icala, yenzelwe ukuhlawula iimpahla ezithuthwa ngenqwelomoya. Olu hlobo lwe-inshurensi yempahla ikhusela iimpahla kwiingozi ezahlukeneyo ezinxulumene nokuhamba ngomoya. Oku kuquka ilahleko okanye umonakalo ngenxa yeengozi ezahlukeneyo zokuhamba emoyeni ezifana nesiphithiphithi somoya kunye neengozi.
Okokugqibela, i-inshurensi yezothutho ezininzi ibonelela ngokhuseleko olubanzi lothutho olubandakanya iindlela ezininzi zothutho kwaye ibonelela ngokhuseleko olubanzi kuzo zonke izigaba zothutho kuhambo olunye.
Iipolisi ze-inshurensi yomthwalo
Ngokusekelwe kwizicwangciso ezahlukeneyo zeinshorensi kunye neminikelo, kukho imigaqo-nkqubo eyahlukeneyo ye-inshurensi yomthwalo. Apha ngezantsi kukho eyona migaqo-nkqubo idumileyo, ecwangciswe ukusuka kweyona ilula ukuya kweyona intsonkothileyo:
- Ukhuseleko Olulodwa
Njengoko negama lisitsho, le yeyona nkqubo ye-inshurensi yomthwalo ilula kwaye ilula kuba igubungela uthutho olunye kuphela. Lo mgaqo-nkqubo ke ngoko ulungele amashishini amancinci athumela iimveliso ngamaxesha athile kwaye iyafumaneka kuzo zonke iindlela zothutho, kubandakanywa imithwalo yaselwandle, yomhlaba, kunye nomoya.
- I-Inshorensi yeXabiso
Lo mgaqo-nkqubo untsonkothile kakhulu kunomgaqo-nkqubo wokhuselo omnye njengoko unokugubungela imithwalo emininzi endaweni yomthwalo omnye kuphela; Kwangaxeshanye, ikwangumgaqo-nkqubo ohlala ungasebenzi de ube uyasebenza. Ukubeka nje ngokulula, ingaphezulu kohlobo "oluleleyo" lwe-inshurensi yempahla kuba isebenza kuphela njengesicwangciso se-inshurensi egciniweyo njengoko kucetyisiwe igama layo.
Esona sizathu siphambili sokuba ibe lulungiselelo olunokwenzeka kunokuba lube loluphambili kukuba lusebenza kwimeko yokuthengisa apho i-inshurensi yokuqala kufuneka iphathwe ngabathengi. Abathengisi, nangona kunjalo, banokukhetha lo mgaqo-nkqubo njengomgaqo-nkqubo ogcinayo osebenza kuphela xa umthengi wasilela ukuthatha ipolisi efunekayo okanye eyaneleyo. Ukuba akukho miba, i-inshurensi ihlala ingasebenzi, kwaye umthengisi akafuni ukuba enze ibango. Ngelixa ikakhulu inxulumene nomthwalo waselwandle, oku kukwasebenza kumthwalo osemhlabeni kunye nomoya.
- Umndilili ngokubanzi
Xa kuthelekiswa nemigaqo-nkqubo ye-inshorensi enye kunye ne-inshurensi yexesha elinokwenzeka, olu hlobo lomgaqo-nkqubo lusebenza kumgaqo-nkqubo woxanduva ekwabelwana ngalo apho abanini bempahla abaninzi abanempahla kwinqanawa enye babelana ngoxanduva lonke lomthwalo kunye. Oku kuthetha ukuba, umzekelo, kwimeko yesiphango esinamandla elwandle esonakalise imithwalo ethile enqanaweni, zonke iindleko zelahleko ziya kwabelwana ngokufanelekileyo phakathi kwabo bonke abanini bempahla kwinqanawa enye.
Umthetho-siseko wokwabelana ngokufanelekileyo, nangona kunjalo, ukwabonisa ukuba ukuba inxenye yomthwalo ithe yalahleka okanye yatshatyalaliswa ngexesha lenkqubo yokuthumela ngenqanawe, okanye xa kuvela ingxaki, abanye abanini bempahla kufuneka bathwale ukhuselo, nokuba uthutho lwabo luchanekile ngokugqibeleleyo. Nangona le ngcamango isetyenziswa ikakhulu kwimpahla yaselwandle, inokwandiswa kwiindlela ezithile zothutho ezininzi, ezidlulela ngaphaya kweenqanawa zaselwandle.
- Vula uFundo
Lo mgaqo-nkqubo uyintandokazi phakathi kwezo zithunyelwa rhoqo okanye ezingaguquguqukiyo kwithuba lexesha, njengoko ubonelela ngokhuseleko oluguquguqukayo lwexesha elichazwe kwangaphambili, elibandakanya ukuthunyelwa kwezinto ezininzi ngokuqhubekayo.
Lo mgaqo-nkqubo wokhuselo ukwafumaneka kuzo zonke iintlobo zeendlela zothutho, ukusuka elwandle ukuya emhlabeni kunye nomthwalo womoya. Ngokusisiseko, nabaphi na abahambisi ngeenqanawa abaneemfuno eziqhelekileyo, eziqhubekayo zokuhanjiswa kuzo zonke iindlela ezahlukeneyo zothutho banokuthembela kulo mgaqo-nkqubo kangangexesha elithile, ngesiqhelo ukuya kuthi ga kunyaka omnye, ukonwabela ukhuseleko olupheleleyo.
- Ukhuseleko loMngcipheko wonke
Okokugqibela, ipolisi ye-inshorensi yomthwalo we-inshurensi yeyona nkqubo ibanzi ye-inshurensi yempahla kwaye ihlala ithathwa njenge kakhulu iindleko-olusebenzayo. Ithathwa njengenjalo kuba ikhusela kwiintlobo ezininzi zomngcipheko onokuthi wenze ilahleko okanye umonakalo kumthwalo. Ukusuka kubusela bempahla kunye nomonakalo kwiimfazwe kunye nokuchaswa kwezithethe, lo mgaqo-nkqubo wokugubungela unika ukhuseleko olubanzi.
Umgaqo-nkqubo wokugubungela yonke imingcipheko uluncedo ngakumbi kuthutho olunezinto zexabiso eliphezulu okanye ezo zibandakanya iimveliso ezintsha nezibuthathaka kuba ezi zinto zisesichengeni kuluhlu olubanzi lweengozi ezinokubakho.
Izibonelelo ze-inshurensi yomthwalo
Olona ncedo luphambili lwe-inshurensi yomthwalo luxolo lwengqondo olunika abahambisi ngenqanawa ngokubonelela ngokhuseleko kwiingozi zezothutho eziqhelekileyo kunye nezoyikiso ezinokubeka emngciphekweni umthwalo ngexesha lokuhamba. Ngokuxhomekeke kwiinketho zokhuseleko, olona khuselo lubanzi nolubalulekileyo olubonakala nge-inshurensi yempahla kukuzinza kwemali kunye nokuhamba kwemali.
Ngaphaya koko, njengoko i-inshurensi yempahla yohluka kakhulu kuxanduva lomthwali, enokuthi ihlawule inxalenye encinci yexabiso lomthwalo, inokubonelela ngokhuseleko olubanzi ukukhusela ilahleko enkulu yemali, iqinisekisa ukuba amashishini akhuselwe ngcono kwiingxaki ezinkulu zemali.
Ngokwenene, le migaqo-nkqubo ye-inshurensi yempahla inika uhlobo lokhuseleko lwezemali, ukunciphisa uxanduva lwezemali kunye nelahleko eyenziwe ngenxa yemicimbi yempahla engalindelekanga. Ukhuseleko lwezemali olunjalo luguqulela ukusebenza kwezemali okuzinzileyo kunye nokuhamba kwemali okunempilo, ukugcina ukuqhubeka kweshishini kunye nokukhula ngaphandle kokuphazamiseka okunokwenzeka okanye izehlo ezingalindelekanga.
Iingqwalasela eziphambili xa ukhetha i-inshurensi yempahla
Imida yokhuseleko
Ukuphonononga umda wokhuseleko obonelelwa yipolisi ye-inshorensi yomthwalo yenye yezona ndlela zibalulekileyo xa ukhetha i-inshurensi yomthwalo ofanelekileyo. Olu luvavanyo olubalulekileyo njengoko ubungakanani bokhuseleko bunonxibelelwano oluthe ngqo kunye nexabiso lempahla kunye nobungozi obubandakanyekayo ekuthuthweni kwayo.
Inyathelo lokuqala elibalulekileyo lokumisela imida yokhuseleko elungileyo kukuqwalasela elona xabiso lipheleleyo lomthwalo uphela, kubandakanywa iindleko ezinokuthi zibekho zokubuyisela kunye neempembelelo zemali zalo nakuphi na ukulibaziseka okanye ilahleko. Eli linyathelo elibalulekileyo njengoko ukujongelwa phantsi kwexabiso lomthwalo kunokukhokelela kwimbuyekezo enganelanga. Ngokwahlukileyo koko, ukuqikelela ixabiso lomthwalo kunokukhokelela kwintlawulo ephezulu ngokungeyomfuneko ngaphandle kweenzuzo ezongezelelweyo, ezifana nokhetho oluphuculweyo lokhuseleko okanye ukuphatha amabango angcono.
Ukungabandakanywa kumgaqo-nkqubo kunye nezithintelo
Okulandelayo, kubalulekile ngokulinganayo ukuqonda okushiyiweyo kunye nezithintelo zepolisi ye-inshurensi yempahla ukuze ufumane umfanekiso opheleleyo woluhlu lwezinto ezingabonakaliyo. Ngokwesiqhelo, abanini beinshorensi bathanda ukungabandakanyi imingcipheko enokuthinteleka njengemiba enxulumene okanye evela ekupakishweni okungonelanga okanye iimveliso ezingalunganga.
Ngaphaya koko, imigaqo-nkqubo ethile isenokungabandakanyi umonakalo othile okanye izehlo, ezifana nezo zibangelwa ziintlekele zendalo, iimfazwe, okanye naziphi na ezinye iziganeko ezingalindelekanga. Lilonke, ukuchonga le mida kubalulekile kubahambisi ngenqanawa baqaphele naziphi na izikhewu ezinokubakho zokugquma kwaye bathathe amanyathelo okhuseleko ayimfuneko ukulawula le mingcipheko ngokufanelekileyo.
Ukhuselo lweendlela ezahlukeneyo zokuthumela
Ukongeza koku kungentla, kubalulekile ukuba abathumeli bathathele ingqalelo ukhuselo olubandakanya iindlela ezahlukeneyo zothutho. Njengomgaqo jikelele wesithupha, okukhona ugutyungelo lweendlela ezahlukeneyo zokuthumela ngenqanawa, kokukhona ukuguquguquka okukhulu kunye nokhetho abanalo abahambisi benqanawa malunga namalungiselelo ezothutho. Uguqulo olunjalo lunokuphucula ngokubonakalayo isakhono sabathumeli sokuziqhelanisa neemfuno ezahlukeneyo zolungiselelo.
Oku kubaluleke ngakumbi ukuba uthutho lwemodemu ezininzi lubandakanyekayo ukuze kuqinisekiswe ugutyulo olubanzi kuwo onke amanqanaba othutho.
Inkqubo yamabango
Ekujongeni zonke ezi khrayitheriya zingentla, lixesha lokuba uqwalasele indlela esebenza ngayo okanye enzima ngayo yonke inkqubo yamabango. Ukuqondwa okucacileyo kweenkqubo zebango kubalulekile ekuqinisekiseni amava ebango agudileyo kunye nokuqinisekisa ukuba ngaba kuyacetyiswa ukuba ukhethe i-inshurensi ethile ukuba inkqubo inzima kakhulu kwaye inzima.
Ngokusisiseko, ukuqonda amaxesha afunekayo kunye nawo onke amaxwebhu abandakanyekayo kunokunceda ukuthintela nakuphi na ukulibaziseka. Onke amabango e-inshorensi adla ngokujongwa ngokungqinelana nemigaqo-nkqubo echaphazelekayo, kwaye iingxelo ezikhawulezileyo zezehlo ngokwezikhokelo ezichazwe kwipolisi zibaluleke kakhulu kwinkqubo yamabango engenamagingxi-gingxi.
Isidima somboneleli kunye nokuzinza kwemali
Ekugqibeleni, kuhlala kububulumko kwaye kububulumko ukukhetha abanini beinshorensi abanemvelaphi eqinileyo kunye nokuma okwamkelekileyo. Ngokwenene, kubalulekile ukukhetha ababoneleli abangabonisa amandla aphilileyo emali kunye nozinzo oluqinisekisiweyo. Aba bakhuseli-inshorensi banamava kufuneka babe nezibonelelo ezaneleyo neziyimfuneko zokusingatha amabango ngokufanelekileyo nangexesha elifanelekileyo xa kukho naziphi na izinto ezilusizi.
Ukhuselo olufanelekileyo
Embindini wayo, i-inshurensi yomthwalo isebenza njengendlela yokukhusela kunye nesixhobo sokulawula umngcipheko esikhusela iimpahla ezithuthwayo, nokuba indlela yeyamazwe ngamazwe okanye yasekhaya. Iindidi ze-inshurensi yomthwalo ziyafumaneka kuzo zonke iimpahla eziziswe ngeendlela ezininzi zothutho, kubandakanya imithwalo yaselwandle, imithwalo yomhlaba, imithwalo yomoya, kunye nothutho lweendlela ezininzi.
Ezona migaqo-nkqubo ziphezulu ezi-5 ezixhaphakileyo ze-inshorensi yomthwalo zibandakanya i-inshurensi enye, i-inshorensi evulekileyo, i-inshorensi yomngcipheko wonke, i-avareji eqhelekileyo, kunye ne-inshurensi yexesha elinokwenzeka. Inzuzo enkulu ye-inshurensi yempahla ixhomekeke ekukhuselweni okubanzi kwimingcipheko kunye nokhuseleko lwezemali olunikezela kubathumeli ngeenqanawa xa kwenzeka iziganeko ezingalindelekanga.
Ngaphezu koko, imida yokhuseleko, ukukhutshwa komgaqo-nkqubo kunye nokulinganiselwa, ukuhlawulelwa kweendlela ezahlukeneyo zokuthutha, inkqubo yebango elungelelanisiweyo, kunye nodumo lwe-inshurensi kunye nokuzinza kwezemali ziphakathi kweengqwalasela eziphambili ze-5 ekufuneka zihlolwe ngabo bonke abathumeli xa bekhetha iipolisi ze-inshurensi yempahla.
utyelelo I-Cooig.com ifundeka rhoqo ulwazi oluhlaziyiweyo lolungiselelo kunye neengcebiso zoshishino lwe-ecommerce, ukuvula ubutyebi bolwazi oluxabisekileyo namhlanje.
Ngaba ujonge isisombululo solungiselelo kunye namaxabiso okukhuphisana, ukubonakala okupheleleyo, kunye nenkxaso yomthengi efikelelekayo? Jonga i Cooig.com Logistics Marketplace namhlanje.
