Iziganeko zomlilo zinokuba nemiphumo emibi, ekhokelela ekulahlekelweni kwamaxwebhu axabisekileyo, izinto ezibuhlungu, kunye nezinto ezingenakubuyiselwa.Ukugada imingcipheko enjalo, kubalulekile ukutyala imali kwiumgangatho ophezuluungatshiikhuselekilengokulinganisa okuthembekileyo komlilo.Kweli nqaku, sihlola ukubalulekakunye nomahluko phakathiumgangathoimilinganiselo yomlilo eqinisekisiweyo okanye iireyithingi ezizimeleyo eziqinisekisiweyokwaye uxoxe ngendlela ezahluke ngayo kwiireyithingi zomlilo usebenzisa iiparamitha ezilungisiweyo.
Ukulinganiswa komlilo kudlala indima ebalulekileyo ekumiseleni ukusebenza kokhuseleko lomlilo.Babonelela abathengi ngesiqinisekiso sokhuseleko, uxolo lwengqondo kunye nokuthotyelwa kwemigaqo-nkqubo ye-inshurensi.Imilinganiselo yomgangatho wesatifikethi isekwe kuvavanyo olubanzi yimibutho eyaziwayo efana ne-Underwriters Laboratories (UL).Ezi mvavanyo zibeka ii-sefes phantsi kweemeko zomlilo zangempela, ukulinganisa ukuchasana kwazo kwixesha elithile kunye nemida yokushisa.Amanqaku exesha eliqhelekileyo abandakanya i-30, 60, kunye ne-120 imizuzu, kunye nemigangatho yobushushu yangaphakathi ehambelanayo..
Abavelisi basebenzisa izinto ezinqandayo ezifana nentsimbi,intlaka,ukugquma kunye nezitywina ezinqandayo ukwakha iisefu ezinokumelana nobushushu obugqithisileyo.Yakhiwe ngokufanelekileyoiingcango, umzimbakunye nokungena komoya okufanelekileyo kukwadlala indima ebalulekileyo ekwandiseni ukhuseleko lomlilo.Ukhuseleko lwe-inshorensi lukholisa ukuxhomekeka ekuhlangabezaneni neemfuno ezithile zomlinganiselo womlilo.Iinkampani ze-inshorensi zifuna iisefu ukuba zibe nomlinganiselo ofanelekileyo womlilo ukuqinisekisa ukuba izinto ezixabisekileyo zikhuselekile.Ukusebenza kunye nomboneleli wakho we-inshurensi kubalulekile ukumisela ukulinganiswa komlilo okwamkelekileyo ukwandisa ukhuseleko kunye nokuhlangabezana neemfuno ze-inshurensi.
Ngelixa ezinye iindawo ezikhuselekileyo zinokubanga ukukhuselwa komlilo usebenzisa iiparamitha ezilungisiweyo ezifana nemilinganiselo ephezulu yobushushu bangaphakathi, iindawo ezisezantsi zobushushu bangaphandleokanye iindlela zokuvavanya ezingaqhelekanga, abanalo ukuthembeka kunye nokuthembeka kwemigangatho yomlilo eqinisekisiweyo.Ukutenxa kwimigangatho eyamkelekileyo kuthwala umngcipheko kunye nokugxekwa, okushiya abathengi bengaqinisekanga malunga nokusebenza kokwenyani kwezi zikhuselo.Ngakolunye uhlangothi, ukulinganiswa komlilo okuqinisekisiweyo okusemgangathweni kunika isiqinisekiso somgangatho kunye nokusebenza.Ezi zilinganisokunye nemigangathozamkelwe ngokubanzi kwaye zamkelwa kulo lonke ushishino.Banikezela ngesiqinisekiso sokhuseleko kwaye bathandwa ziinkampani zeinshorensi.
Iukutyala kwi aukhuseleko lokumelana nomlilokubalulekile ekukhuseleni izinto ezixabisekileyo.Ukukhetha ukhuseleko olunomgangatho oqinisekisiweyo womlilo uqinisekisa umgangatho othembekileyo wokukhusela, uhlangabezana neemfuno ze-inshurensi kwaye uyaqaphela ngokubanzi kwishishini.Ngelixa izikhuselo ezisebenzisa iiparamitha ezilungisiweyo zinokubanga ukuba zinenye indlela yokukala umlilo, ukungabikho kwengqiniseko kunye nokungaqiniseki malunga nokusebenza kwazo kuzenza zibe lukhetho olungathembekanga kangako.Ngelixa benikela ingqalelo kukhuseleko kunye nokuthembeka, abathengi banokukhetha izixhobo ezikhuselekileyo eziphumelele iimvavanyo ezisemgangathweni ukumisela umlinganiso womlilo, ukuze bakhusele ngokufanelekileyo izinto zabo ezixabisekileyo kwiingozi zomlilo.I-Guarda Safe ngumboneleli oqeqeshiweyo ovavanyiweyo ozimeleyo noqinisekisiweyo, umgangatho wokungaFili kunye neBhokisi eKhuselekileyo engenaManzi kunye neChest.Iminikelo yethu ibonelela ngokhuseleko olufunekayo nabani na afanele abe nalo ekhayeni lakhe okanye kwishishini lakhe ukuze akhuseleke ngalo lonke ixesha.Ukuba unemibuzo malunga nomgca wethu okanye ngawaphi amathuba esinokunikela ngawo kule ndawo, zive ukhululekile ukuqhagamshelana nathi ngokuthe ngqo ukuxoxa ngokuqhubekayo.
Ixesha lokuposa: Jul-20-2023