Ukuba uyalwazi uhlahlo-lwabiwo mali, unokucinga ukuba ukuthenga i-inshurensi yerente kukunethezeka ongenakukufikelela-ngakumbi ukuba umnini-mhlaba akafuni ukuba ubambe. Kodwa njengayo yonke i-inshurensi, inokuhlawula izabelo xa kwenzeka okungalindelekanga kwaye izinto zakho zexabiso zilahlekile, zibiwe, zonakalisiwe, okanye zonakalisiwe- nokunye okuninzi ngaphandle.
Umntu ophakathi unezinto ezingaphezu kwe-30,000 zeedola kwindlu yakhe, utshilo uMichal Brower, osisithethi Ifama yaseburhulumenteni -Kwaye uninzi lwayo alugutyungelwanga yipolisi ye-inshurensi yomninindlu. Ukuba umlilo utshise indlu yakho ngomso, ngaba ubuya kuba nemali yokuyitshintsha yonke? Ubuza watsho. Iindaba ezimnandi zezokuba ngomgaqo-nkqubo werente, ipropathi yakho iya kukhuselwa kumabango agutyungelweyo.
Kodwa yintoni kanye kanye la mabango agutyungelweyo? I-inshurensi yabaqeshi igubungela okuninzi – kwaye iyabiza kakhulu – kunokuba abantu abaninzi becinga, utshilo uLuke Cohler, iarhente enelayisensi kunye nomseki Jetty , Ukuqala kweinshurensi ejolise kubaqeshi beminyaka eliwaka. Sithethile neengcali zeinshurensi ezivela kubanikezeli abathathu abahlukeneyo ukufumana ngaphakathi ngaphakathi. Nazi izinto ezintandathu ezimangalisayo ezinokuthi zigutyungelwe ngumgaqo-nkqubo wakho:
1. Ilaptop yakho
Ilaptop lutyalomali oluhle kakhulu, kodwa ungaphumla ngokulula usazi ukuba igqunyiwe luninzi lwezicwangciso zeinshurensi zabaqeshi ukuba zibiwe-nokuba ungaphandle kwendlu yakho xa kusenzeka.
Abantu kwi Ilemonade , Uqeshiso lohlahlo-lwabiwo mali kunye nokuqalisa i-inshurensi yasekhaya, bathi uninzi lwabantu alwazi ukuba i-inshurensi yerente ibonelela ngokubuyiselwa kwezinto ezinkulu zamatikiti phantsi komgaqo-nkqubo ukuba nje unganikezela ngamaxwebhu.
Emva komzuzu wokuqala woloyiko xa ilaptop yakho itshiselwe kwivenkile yekofu, ungathatha umoya ophefumlayo usazi ukuba uza kubuyela emsebenzini (okanye ubukele iNetflix) akukho xesha, utshilo uChler.
Uyaphawula, nangona kunjalo, ukuba izicwangciso zesiseko azigubungeli lonke iindleko zokulungisa okanye ukubuyisela ilaptop ukuba unephutha, ngokungathi uchithe i-latte yakho kuyo okanye uyilahle. Uya kudinga ukuthenga umkhweli owongezelelweyo kuloo nto.
2. I-smartphone yakho
Uninzi lwethu, i-smartphone yenye yezona zinto zixabisekileyo- kwaye kubalulekile-izinto zethu. Ngokuka Lemonade, i-inshurensi yerente iya kukugubungela okuxabisekileyo ukuba ibiwe okanye yatshatyalaliswa ziziganeko ezifana nomlilo okanye isikhukula –kwanokuba yenzeka kwenye indawo ngaphandle kwekhaya, njengakumnyhadala womculo okanye xa usiya phesheya.
Ukongeza iinkampani ezinje ngeJetty zibonelela umkhweli ogubungela izehlo ezingagutyungelwanga, ngokungathi ulahle kwaye uyaphule ifowuni yakho ngelixa ungena kwi-Uber, ngokukaCohler.
3. Iringi yakho yomtshato
Khawufane ucinge xa ubhiyozela ukutshata kwakho emva koko ubiwe iringi yokuzibandakanya. Ngelixa imeko inokuncanca-okuninzi-iindaba ezimnandi zezokuba ubucwebe bakho buhlala bugutyungelwe bubusela, ukonakaliswa, kunye neziganeko ezinjengomlilo, ngokweLemonade.
Nangona kunjalo, kuxhomekeke ekubeni iiringi ixabisa malini, iinkampani ezininzi ziya kufuna ukuba uthenge omnye umkhweli ukuze azigqume ngexabiso elipheleleyo. Abantu baseLemonade bathi ukhuselo olongezelelekileyo luya kukhusela ngokuchasene nomonakalo wengozi, nawo.
4. Ibhayisekile yakho
Ukuba uthembele kwibhayisikile yakho njengeyona ndlela iphambili yokuhamba, uyakonwabela ukuva ukuba i-inshurensi yerente ihlala igubungela iibhayisekile ezibiweyo, ezonakalisiweyo, okanye ezonakaliswe ziziganeko ezifana nomlilo okanye izikhukula. Nokuba ubusela benzeka ngaphandle kwekhaya lakho, uya kugutyungelwa.
Ukuba uvalela ibhayisekile yakho ngaphandle kwendawo oyithandayo ye-pizza uze ubuye uyifumane ingekho, ungesabi: Uza kuhlala ukhuselekile endaweni yotshintsho, utshilo uCohler.
5. Umhlobo wakho ongaqondakaliyo
Oku akuyiyo into, kodwa abantu abaninzi abaqapheli ukuba imigaqo-nkqubo ye-inshurensi yerente ihlala ibandakanya ukuhlawulwa kwetyala. Ngokuka Lemonade, ukuba uphosa ipati ye-cocktail kwindawo yakho kwaye umhlobo wakho otyibilikayo uyatyibilika, uwa, kwaye uthathe isigqibo sokukumangalela, umgaqo-nkqubo wakho uya kuhlawula iindleko zonyango lomhlobo wakho kunye nemirhumo yakho yezomthetho.
6. Zakho… iincukuthu?
Le yahlukile kwiJetty, utsho uCohler. Inkampani ibonelela ngendawo yokukhetha ibhedi yokugubungela abo bakhetha ukuthenga. Ukuba indawo yakho igcwele iincukuthu, siza kukusika itshekhi engama- $ 300 ukunceda kwizinto ezifana nokucoca indawo eyomileyo okanye igumbi lehotele, utshilo.
