Ndiyo imwe yenyika dzeLatin America dzine inishuwarenzi yakasiyana-siyana, zvichienderana nerudzi rwechido kana chinangwa chaunoda kubhadhara. Izvi zvinogona kuve inishuwarenzi yehupenyu, inishuwarenzi yehutano, inishuwarenzi yemotokari, inishuwarenzi yezvivakwa, inishuwarenzi yemhosva, nezvimwe. Aya mainishuwarenzi anopihwa nemakambani einishuwarenzi akasiyana munyika, kuitira kuti ape vePeru kuchengetedzwa kukuru uye chengetedzo.
Mhando dzeInishuwarenzi muPeru
Inishuwarenzi yehupenyu
Inishuwarenzi yehupenyu inzira yekuvimbisa vanopihwa inishuwarenzi mari yakati, kazhinji imari yeinishuwarenzi, kana vakafa kana kutambura nechirwere chakakomba. Aya mainishuwarenzi anowira muzvikamu zvakati wandei, zvakaita seinishuwarenzi yehupenyu, inishuwarenzi yehupenyu hwese, inishuwarenzi yehupenyu yakasiyana, inishuwarenzi yehupenyu, uye inishuwarenzi yehupenyu.
Inishuwarenzi yehutano
Inishuwarenzi yehutano inzira yekuona kuti vanhu vanokwanisa kuwana hutano hwavanoda. Mainishuwarenzi aya anopa mari yekurapa, yechipatara, yemishonga, yemazino uye yehutano hwepfungwa. Aya mainishuwarenzi anowanikwa kune vePeruvia kuburikidza neinishuwarenzi masangano uye anogona zvakare kupihwa chibvumirano ega.
Auto Inishuwarenzi
Auto inishuwarenzi inzira yekudzivirira vane mapolicy panjodzi dzine chekuita nekuva nekushandisa mota. Mainishuwarenzi aya anobhadhara mari ine chekuita netsaona, kukuvadzwa kwemidziyo, zvikwereti zvevagari vemo uye dzimwe njodzi. Aya mainishuwarenzi anogona kutorwa ega kana kuburikidza nekambani yeinishuwarenzi.
Property Inishuwarenzi
Inishuwarenzi yevaridzi vedzimba inzira yekuchengetedza zvinhu zvemunhu panjodzi yekukuvadzwa kana kurasikirwa. Mainishuwarenzi aya anobhadhara mari ine chekuita nekuparara kwemidziyo kunokonzerwa nemoto, kudengenyeka kwenyika, mafashamo, nedzimwe njodzi dzinongoitika dzoga. Aya mainishuwarenzi anogona zvakare kubhadhara mari ine chekuita nemhosva yevagari kana chivakwa chikakonzera kukuvadzwa kune vechitatu mapato.
Civil Liability Inishuwarenzi
Inishuwarenzi yemhosva inzira yekudzivirira munhu kubva pamitengo ine chekuita nekukuvadzwa kana kurasikirwa kunogona kukonzereswa kune vechitatu mapato. Mainishuwarenzi aya anobhadhara mari ine chekuita nemhosva yevagari, inova njodzi yekumhan'arirwa kukuvadzwa kana kurasikirwa kunokonzerwa kune vamwe nekusava nehanya kwako. Mainishuwarenzi aya ari kupihwa nemakambani einishuwarenzi akasiyana munyika.
Imwe Inishuwarenzi
Pamusoro peinishuwarenzi yataurwa pamusoro apa, kune zvakare mamwe mainishuwarenzi anogona kubvumidzwa muPeru. Izvi zvinosanganisira inishuwarenzi yechikwereti, inishuwarenzi yemutoro, inishuwarenzi yekufambisa, inishuwarenzi yemhosva, inishuwarenzi ye annuity, inishuwarenzi yemuhoro, nezvimwe. Aya mainishuwarenzi akagadzirirwa kupa dziviriro yakakura uye chengetedzo kune vePeruvia.
mhedziso
Mukupedzisa, kune akasiyana siyana einishuwarenzi anowanikwa kune vePeruvia. Aya mainishuwarenzi akagadzirirwa kupa dziviriro uye chengetedzo kana yarasikirwa kana kukuvara. Aya mainishuwarenzi anogona kubvumidzwa ega kana kuburikidza nekambani yeinishuwarenzi, zvichienderana nerudzi rwechido kana chinangwa chaunoda kuvhara.
1. Ndeapi marudzi makuru einishuwarenzi anowanikwa muPeru?
- Inishuwarenzi yehupenyu
- Hutano inishuwarenzi
- inishuwarenzi yemotokari
- Inishuwarenzi yezvikwereti
- pfuma inishuwarenzi
- Inishuwarenzi yeurovha
- Inishuwarenzi yekufamba
- inishuwarenzi yetsaona yega
- Inishuwarenzi yechikwereti
- Inishuwarenzi yemitengo mikuru yekurapa
2. Ndingatenga kupi inishuwarenzi?
Unogona kutenga inishuwarenzi kuburikidza neinishuwarenzi, mumiriri weinishuwarenzi, kana mutengesi weinishuwarenzi. Unogona kuwana mainishuwarenzi munharaunda yako kuburikidza nekutsvaga pamhepo.
3. Mashoko api andinofanira kuva nawo kuti ndinyorere inishuwarenzi?
Iwe unofanirwa kuve neruzivo rwese nezve mamiriro ako emari, nhoroondo yako yeinishuwarenzi, nzvimbo uye kukosha kwezvinhu zveinishuwarenzi, pamwe nerudzi rweinishuwarenzi yaunoda.
4. Ndezvipi zvakanakira kuva neinishuwarenzi?
Zvakanakira kuva neinishuwarenzi dziviriro yemari muchiitiko chisingafanoonekwi, zvakadai setsaona, kurwara, kana kuti kurasikirwa nepfuma. Inishuwarenzi inopawo runyararo rwepfungwa kuziva kuti wakavharwa muchiitiko chenjodzi.
5. Zvinosungirwa here kuva neinishuwarenzi yemotokari muPeru?
Ehe, muPeru zvinosungirwa kuve neinishuwarenzi yemotokari pamotokari yega yega.
6. Ndeapi mavhavha akajairika anosanganisirwa muinishuwarenzi yemotokari?
Izvo zvakajairwa zvinosanganisirwa muinishuwarenzi yemotokari kukuvara kwemidziyo, mhosva yevagari, kukuvara kwemunhu, uye kuvharwa kwemari yekurapa.
7. Chii chinonzi civil liability insurance?
Inishuwarenzi yemhosva inshuwarisi inovhara kukuvadzwa uye kukuvara kwaungakonzeresa kune mumwe munhu kana pfuma.
8. Inishuwarenzi huru yemitengo yezvokurapa chii?
Inishuwarenzi huru yekubhadhara mari yekurapa inshuwarisi inobhadhara mari yekurapa uye yekuvhiya ine chekuita nehurwere hwakakomba, kukuvara kwetsaona, uye kuchipatara.
9. Chii chinonzi inishuwarenzi yekurovha?
Inishuwarenzi yekusashanda inishuwarenzi inopa mabhenefiti kuvashandi vasingashande vanozadzisa zvinodiwa zvekukodzera zvakatemwa nehurumende.
10. Ndingawana sei chiyero chakanakisa cheinishuwarenzi yangu?
Kuti uwane yakanakisa chiyero cheinishuwarenzi yako, iwe unofanirwa kuenzanisa mitengo pakati peakasiyana inshuwarisi. Iwe unogona zvakare kutsvaga zvakakosha zvideredzwa zvinopihwa nemamwe mainishuwarenzi.
