Umshwalense Wokuqukethwe Ekhaya Johannesburg

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Ukuhlolwa kwamanani ezingozi eziboshwe kumuntu othize kusetshenziswa njengesisekelo semali ye-premium. Kubantu ababeka ingozi enkulu yokubandakanyeka engozini yezimoto, Umshwalense Wokuqukethwe Ekhaya  ku Gauteng inkampani yomshuwalense kungenzeka ukuthi ichithe imali ekuphenduleni isimangalo. Ngakho-ke, laba bantu abanamalungelo omthetho ngokuvamile bakhokhela inani eliyinhloko lemali eliphansi uma kuqhathaniswa nalabo abahlolwe ukuthi basengozini ephansi.

izinhlelo zomshuwalense wesikhathi esifushane

Nakuba abantu ababili bangase babe nohlobo olufanayo lwebanga lemoto nomholo, bangase bakhokhe i-premium ehlukile yabo umshwalense wemoto. Inani lizimisele ukusebenzisa umshwalense we-umshuwalense wemoto, okuyinto ithuluzi eliyigugu lomshwalense.

Ubani obungozi obukhulu?

Umnikazi imoto ebiza futhi enamandla ikhokha imali enkulu kakhulu kunomnikazi wesimiso esincane kusukela owake wangena engozini enkulu yokuba ukwebiwa kwemoto kunezokugcina. Abanikazi bezimoto abahlala ezindaweni ezinamazinga aphezulu olwaphulwa ubugebengu nazo zitholakala ukuthi zisengozini enkulu kunalezo ezihlala ezindaweni ezithule, zokuhlala. Okwamanje, abashayeli abasha babhekwa njengengozi enkulu uma kuqhathaniswa nabashayeli bezilwane ezindala, ngakho-ke labo abaneminyaka eminingi abanokuhlangenwe nakho kokushayela bathambekele ekukhokheni amaprimiyamu athibhile.

Ukuqhathaniswa komshwalense wesikhathi esifushane

Umdala omunye umshayeli onqunyiwe, futhi abashayeli abasha bacatshangwa ukuthi ingozi encane ngoba ayinakwenzeka ukuhileleka engozini yemoto. Ingxabano isekelwe emininingwaneni yemininingwane ebonisa ukuthi abashayeli asebekhulile abaye bavala isikhathi esiningi ngemuva kwesondo abakwazi ukubandakanyeka emikhankasweni yomgwaqo njengoba abashayeli abancane bekhona.

izingcaphuno zomshuwalense wesikhathi esifushane

Umnikazi wemoto ofuna ukuvikela imoto enomgomo womshuwalense ingasebenzisa kahle imithombo ehlukahlukene ye-intanethi etholakalayo namhlanje ukuthola ukulinganiswa kwe-premium okufanele bayikhokhe.

Yiziphi izinsiza ezikhona ku-intanethi? 

Ukulinganiswa komshuwalense wemoto kusekelwe kwedatha yamanje, futhi kuyithuluzi eliwusizo labanikazi bezimoto abafuna ukuthola inqubomgomo engcono kakhulu futhi abangayithola. Kukhona amawebhusayithi anokwethenjelwa anikela ngezinsizakalo zomshuwalense wezimoto online. Lezi zindawo zisekela ukulinganisa nezibalo zabo kwisofthiwe yokuqapha umshuwalense wemoto eqoqa futhi ihlaziye idatha. Ingcebo yolwazi etholakala kulezi zindawo ingasiza abantu abacabangela ukuthenga inqubomgomo yomshwalense wemoto. Isibonelo, idatha yamanje yamaphesenti ajwayelekile akhokhelwa ngamaqembu ahlukene angatholakala. Ukunikezwa umqondo wokuthi kuningi okudingayo ukukhokhela umshuwalense wemoto kunika amandla umnikazi wemoto ekwenzeni ukukhetha.

Umshuwalense wesikhathi esifushane uqhathanisa

Ukuthola ukuthenga okulungile 

Ukuba uhlobo olufanele lomshwalense luyisiketi sokuphepha sabanikazi bemoto. Umshwalense wemoto ophelele ungasindisa abantu imali. Lezi zinsuku, kunezinketho zenqubomgomo ezitholakalayo ukuze umnikazi wemoto athole kalula ukuthunyelwa okuhambisana nezidingo zakhe.

Amaqiniso Okuthakazelisayo Ngayo Umshwalense Wokuqukethwe Ekhaya ku Pretoria:

Mayelana Umshwalense Wokuqukethwe Ekhaya ku Pretoria:

izingcaphuno zomshuwalense wesikhathi esifushane

Imishanguzo yomshuwalense ibalwa ngokwezinto eziningana zobungozi. Lezi yizici ezikhonjiswe yinkampani yomshuwalense njengoba cishe kunomthelela kulabo abathintekayo ababhekele ingozi. Umshuwalense uyindleko ebalulekile ehlotshaniswa nento eqinisekisiwe futhi akufanele igijimele. Kuhlale kungumqondo omuhle ukuthenga nxazonke ukuze uthole intengo engcono kakhulu. Imishanguzo yomshuwalense izohluka kakhulu kusuka kumshuwalense kuya kumshuwalense ukwenza umsebenzi wesikole sakho.

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Bheka izinkampanini ezahlukene zomshuwalense oyithandayo futhi uzibuze for quote. Bangakwazi ukukunikeza ukulinganisa okubi kakhulu futhi izingcaphuno eziqondile nakakhulu kufanele futhi zenzeke uma unikeza imininingwane eyengeziwe futhi ulinde. Kufanele futhi ubheke ama-insurers ku-intanethi futhi uthole izingcaphuno ezisheshayo kusuka kuwebhusayithi yazo. Lena indlela esheshayo futhi ephumelelayo yokuthenga ezungeze. Uzothola umbono omuhle walokho amanani okufanele alindele. Ungase futhi uhlole amawebhusayithi wekhothethi ukuze ubone ukuthi yithinta kanjani inani lakho lentengo uma ukhetha izinketho ezahlukene. Ngayo yonke imigomo yomshuwalense uzoba nenani lezinketho ezithinta intengo yenqubomgomo.

Ngakho-ke kufanele ucabange ngalokhu okukhethwa kukho futhi uma kukhona izingozi ongafisi ukumboza bese uvumela umshuwalense azi njengoba i-premium yakho kufanele ishibhile.

Kufanele uzame futhi ukuqinisekisa ukuthi awuqinisekisi kabili. Kuyisimiso somshuwalense ongeke uzuze kulokho okwenzeka kumcimbi we-insured. Ngakho awukwazi ukukhokhelwa kabili ngisho noma unezinqubomgomo zomshwalense ezimbili. Ngakho-ke uma ngabe ingozi isivele ihlanganiswe inqubomgomo eyodwa, iphinda uvumele umshwalense wakho azi ukuthi angasusa ekubalweni kwawo.

Izinto

Imali yomshuwalense wezimoto ngokuvamile kuxhomeke ezintweni ezifana nokuthi yiluhlobo luni lwemoto oshayela ngayo, ingakanani ubudala, ukuthi injini inkulu kangakanani, yenzani futhi imodeli? Uhlobo luni lomshuwalense oludinga futhi ludlala indima, udinga kuphela umthwalo wemfanelo, noma ophelele? Ngabe uzosebenzisa kanjani imoto, isibonelo uzobe uhamba uye emsebenzini nokuthi uhlela amamitha amangaki ukushayela?

Umlando wakho wokushayela uzoba isici esiqinile ekunqumeni ingozi yakho , futhi okuxhunyaniswe nalokhu kuyoba yinkathi yomshayeli, kanti abashayeli abasha bebesengozini yokubandakanya engozini. Uma usemusha, ubulili bakho buzoba yingozi ebalulekile, kodwa uma ubulili obudala ngokuvamile buba bubi kakhulu.

Umshwalense Wokuqukethwe Ekhaya ku Pretoria

Ukuqhathaniswa komshwalense wesikhathi esifushane

Ukuhlolwa kwamanani ezingozi eziboshwe kumuntu othize kusetshenziswa njengesisekelo semali ye-premium. Kubantu ababeka ingozi enkulu yokubandakanyeka engozini yezimoto, inkampani yomshuwalense kungenzeka ukuthi ichithe imali ekuphenduleni isimangalo. Ngakho-ke, laba bantu abanamalungelo omthetho ngokuvamile bakhokhela inani eliyinhloko lemali eliphansi uma kuqhathaniswa nalabo abahlolwe ukuthi basengozini ephansi.

Nakuba abantu ababili bangase babe nohlobo olufanayo lwebanga lemoto nomholo, bangase bakhokhe i-premium ehlukile yabo umshwalense wemoto. Inani lizimisele ukusebenzisa umshwalense we-umshuwalense wemoto, okuyinto ithuluzi eliyigugu lomshwalense.

Ubani obungozi obukhulu?

Umnikazi imoto ebiza futhi enamandla ikhokha imali enkulu kakhulu kunomnikazi wesimiso esincane kusukela owake wangena engozini enkulu yokuba ukwebiwa kwemoto kunezokugcina. Abanikazi bezimoto abahlala ezindaweni ezinamazinga aphezulu olwaphulwa ubugebengu nazo zitholakala ukuthi zisengozini enkulu kunalezo ezihlala ezindaweni ezithule, zokuhlala. Okwamanje, abashayeli abasha babhekwa njengengozi enkulu uma kuqhathaniswa nabashayeli bezilwane ezindala, ngakho-ke labo abaneminyaka eminingi abanokuhlangenwe nakho kokushayela bathambekele ekukhokheni amaprimiyamu athibhile.

Umdala omunye umshayeli onqunyiwe, futhi abashayeli abasha bacatshangwa ukuthi ingozi encane ngoba ayinakwenzeka ukuhileleka engozini yemoto. Ingxabano isekelwe emininingwaneni yemininingwane ebonisa ukuthi abashayeli asebekhulile abaye bavala isikhathi esiningi ngemuva kwesondo abakwazi ukubandakanyeka emikhankasweni yomgwaqo njengoba abashayeli abancane bekhona.

Umnikazi wemoto ofuna ukuvikela imoto enomgomo womshuwalense ingasebenzisa kahle imithombo ehlukahlukene ye-intanethi etholakalayo namhlanje ukuthola ukulinganiswa kwe-premium okufanele bayikhokhe.

Yiziphi izinsiza ezikhona ku-intanethi?

Ukulinganiswa komshuwalense wemoto kusekelwe kwedatha yamanje, futhi kuyithuluzi eliwusizo labanikazi bezimoto abafuna ukuthola inqubomgomo engcono kakhulu futhi abangayithola. Kukhona amawebhusayithi anokwethenjelwa anikela ngezinsizakalo zomshuwalense wezimoto online. Lezi zindawo zisekela ukulinganisa nezibalo zabo kwisofthiwe yokuqapha umshuwalense wemoto eqoqa futhi ihlaziye idatha. Ingcebo yolwazi etholakala kulezi zindawo ingasiza abantu abacabangela ukuthenga inqubomgomo yomshwalense wemoto. Isibonelo, idatha yamanje yamaphesenti ajwayelekile akhokhelwa ngamaqembu ahlukene angatholakala. Ukunikezwa umqondo wokuthi kuningi okudingayo ukukhokhela umshuwalense wemoto kunika amandla umnikazi wemoto ekwenzeni ukukhetha.

Ukuthola ukuthenga okulungile

Ukuba uhlobo olufanele lomshwalense luyisiketi sokuphepha sabanikazi bemoto. Umshwalense wemoto ophelele ungasindisa abantu imali. Lezi zinsuku, kunezinketho zenqubomgomo ezitholakalayo ukuze umnikazi wemoto athole kalula ukuthunyelwa okuhambisana nezidingo zakhe.

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izingcaphuno zomshuwalense wesikhathi esifushane

Uma okwamanje uhlala eMissouri noma uhlela ukuthuthela lapho, umshwalense wemoto yinto ozoyihlola ngempela uma uhlela ukuba nomnikazi wemoto. Umshwalense wokuzenzekelayo ubeka wena uma ubangela umonakalo kunoma yimuphi umuntu noma umzimba womuntu, futhi kuyadingeka ukuthi ubhalise futhi ushayela noma imuphi imoto.

Isimo ngasinye sinezimiso nemithetho yaso uma kuziwa ku-auto umshuwalense, ngakho kungaba umqondo omuhle ukuvakashela iwebhusayithi yaseMissouri yeMoto yeMoto ukuze uthole imininingwane ephelele yalokho okudingayo. Ngokujwayelekile, kukhona umshuwalense wemfanelo encane okufanele udonswe kuwo. KuMbuso waseMissouri, lokhu kulandelayo: $ 25,000 ukuhlolwa okuncane kokulimala komzimba ngomuntu ngamunye, ukukhokhelwa okungenani $ 50,000 kwengozi ngayinye, kanye no-$ 10,000 ubuncane bokufaka impahla noma ingozi ngayinye. Kuhle ukwazi lolu lwazi uma uthengisa umshwalense wemoto ukuze ukwazi ukwaziswa kangcono futhi ungathola inqubomgomo enhle kakhulu kuwe.

Inshwalense yemfanelo, okuyinto enikezwe igunya eMissouri, ayifihli umnikazi wezinqubomgomo uma kwenzeka kwenzeka ingozi. Lolu hlobo lwemshwalense luhlanganisa kuphela abashayeli bezinkampani zangaphandle kanye nempahla. Ukuziqinisekisa wena nemoto yakho, kufanele ucabangele ukushayisana nokuhlanganisa okuphelele. Uma ufuna ukuthula kakhudlwana kwengqondo, ungakhetha umshwalense wokushayela ongaqinisekisiwe noma ongagunyaziwe, okukuvikela uma kwenzeka umuntu ehlasela imoto yakho futhi engavunyelwe noma engaqinisekisiwe.

Uma ufuna amanani omshuwalense omoto ongcono kakhulu Missouri, iseluleko esihle kakhulu ukuthenga ezungeze futhi uqhathanise okungenani izinkampani ezinhlanu zomshuwalense. Ungase umangale ukubona ukuthi amazinga omgomo ahluke kangakanani phakathi kwezinkampani ezihlukene, ngisho nezinketho ezifanayo noma ezifanayo zokuqapha. Yingakho kubalulekile ukuthenga nxazonke futhi uqhathanise amanani omshuwalense wemoto amaningi.

Ngisho noma okwamanje uqinisekisiwe, ungase ukwazi ukusindisa amakhulu amadola ngonyaka ngokushintsha abahlinzeki bomshuwalense wezimoto. Ungakwazi ukuqhathanisa izingcaphuno eziningi ku-intanethi ngendaba emaminithi, ngakho-ke awukho lutho oluzolahlekelwa, noma ngabe ungagcina usindisa okuningi.

I-Missouri Insurance Information Service ithi izimoto ezingaphezu kuka-20 000 kubikwa kubiwe ngo-2008, cishe ingxenye yabo eSt. Louis naseKansas City. Lokhu kungaba kuhle ukucabangela lokhu yizindawo ezimbili ezinkulu kunazo zonke ezisemaphandleni, kepha lokhu kuyizindaba ezimbi kubahlali baseSt. Louis naseKansas njengoba lokhu kusho ukuthi cishe bazokhokha izinga eliphezulu le-inshuwalense ngenxa yezinga eliphezulu lobugebengu. Izimoto ezinhlanu ezivame kakhulu ezebiwe eMissouri yi-Dodge Intrepid, i-Ford Taurus, i-Pontiac Grand Prix, i-Dodge Stratus ne-Oldsmobile Cutlass, ngakho-ke ungase ufune ukugwema lezi zimoto ukuze ugcine amazinga omshwalense wakho wemoto ngangokunokwenzeka. ikhava yomshuwalense wasekhaya wesikhashana