Isikhungo Senjensi Yomshuwalense Sandton

Izinzuzo zokusebenzisa Services Car Insurance Calculator Services Isikhungo Senjensi Yomshuwalense ?

Ukuhlolwa kwamanani ezingozi eziboshwe kumuntu othize kusetshenziswa njengesisekelo semali ye-premium. Kubantu ababeka ingozi enkulu yokubandakanyeka engozini yezimoto, Isikhungo Senjensi Yomshuwalense  ku South Africa 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.

Imishuwalense yomshuwalense 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.

izindleko zomshuwalense 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.

umshuwalense wesikhathi eside kakhulu

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 eside kakhulu

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 Isikhungo Senjensi Yomshuwalense ku Pretoria:

Mayelana Isikhungo Senjensi Yomshuwalense ku Pretoria:

umshuwalense wesikhathi eside kakhulu

Iyini Umshuwalense We-Auto?

Umshuwalense wokuzenzekelayo ungumkhiqizo owathengiwe futhi ongakhokhela umonakalo wemoto yakho noma izimoto zabanye uma kwenzeka umonakalo wemoto noma umonakalo ohlobene nengozi . Umbuso ngamunye unemithetho yawo ngokuphathelene nomshuwalense wemoto ukuthi umuntu ngamunye kufanele akwazi ukushayela ngokomthetho. Izici eziningi ezihlukahlukene zithinta amazinga omshwalense wemoto, futhi. Ayisho ngisho nasezinkampanini ezihlukahlukene; kufike embonini yomshuwalense ukunquma ukuthi yimuphi umshuwalense wemoto nokuthi umuntu ngamunye uzokhokhela kanjani ukukhokhelwa ngokuzenzakalela.

Iyini umshuwalense wemoto? Kubonakala sengathi umbuzo oyisisekelo. Kodwa-ke, kunezici eziningi nezakhi ezihlukahlukene okufanele zicabange ngomshuwalense wemoto ukuthi ungaba nzima kakhulu uma ungekho olungiselelwe lokho okungena kuwo. Udinga ukwazi ukuthi amanani akholwa kangakanani ukuthi yiziphi izinhlobo zokubheka itholakale, kungakanani okudingekayo noma ungathola, nokuthi yiziphi izinkampani ezinikeza umshwalense wezimoto ezihamba phambili ngezidingo zakho.

Ngabe I-Auto Insurance Cover?

Umshwalense wokusebenzisa umshini usetshenziselwa ukukuvikela umuntu noma ibhizinisi noma inhlangano ekulahlekelweni kwezimali mayelana nemoto. Ukulahlekelwa ngokwezimali kungenzeke ngenxa yezizathu eziningi, futhi ukuba nomshuwalense wezimoto kungakufihla ukulahleka kwakho ngezindlela ezihlukahlukene.

Ukubangela Ukulimala Kwempahla

Umsebenzi umonakalo wendawo uhloswe ngokumelene nomonakalo wena noma umuntu oshayela imoto yakho ngemvume yakho kwenzalo yomunye umuntu. Izindleko zingabandakanya enye imoto, izingodo zomsebenzi, izicingo, izakhiwo, amakhaya, amabhizinisi, noma cishe noma yiluphi uhlobo lwesakhiwo semoto yakho ethinta.

Ukuhlangana < Ukubambisana ngokubambisana kuvame ukuvikela imoto yakho ekulimazeni okubangelwa ngengozi eminye imoto, i-pothole, imoto igxuma ngaphezulu, njll. Ukuqoqwa kokubambisana kuzokukhokhela ukulungisa imoto yakho, noma uma imoto yakho ibonakale engozini, iyokubuyisela ukubaluleka kwemoto ukukhipha ukukhishwa kwezimali futhi kwezinye izimo nezinye izindleko.

UKUFAKA UKUHLELA E-USA

Umshuwalense we-Auto kuyadingeka, futhi lokhu kubonakala ngokucacile ukuthi wonke amazwe athi wase-USA uye wenza ukuba kube nomshuwalense wemoto kuzo zonke izimoto. Esikhathini esiningi, lokhu kubonakala sengathi kuyisivivinyo sokukhathazeka, kodwa kungani ulinde uze uhlanganyele engozini ukuthola ukuthi ukuthatha ikhava yemoto kunakekela kanjani izimpahla zakho nawe. Izindleko eziphezulu zezokwelapha nezokugwetshwa kwezigwegwe ekukhuphukeni kwenza kube kuhle ukuzivikela wena nemoto yakho eyigugu ngemoto yomshuwalense. Ngaphezu kwalokho, zonke iziphathimandla zenze kube nzima ukuba nezinhlelo ezimbili zemishuwalense yemoto - uhlelo olungekho-iphutha , kanye nesistimu ye-Tort. Uhlobo lwangaphambili lomshuwalense ohlonishwayo emazweni amaningi lusho ukuthi umshuwalense wakho uyokhokhela izicelo zokulimala kungakhathaliseki ukuthi ubani obangela ingozi empeleni. Inani elikhokhwa lifike kumkhawulo ocacisiwe, futhi uma uhilelekile engozini, umphathiswa wakho unecala lokukhokha ukulimala. Ngokumelene nalokhu, uhlelo lweTort kulindeleke ukuthi iqembu elimele lizinakekele izindleko zezokwelapha kusuka epaketheni labo bese libiza kumuntu ophethe umshuwalense othintekayo njengempindiselo.

Inani lezingozi kanye nokweba kwenzeka ikakhulukazi e-USA, kubalulekile ukuba wonke umnikazi wemoto athenge leyo nzuzo yomshwalense ukuze aqinisekise kokubili imoto kanye nomnikazi wayo ngezikhathi zokudinga.

E-USA uma ufuna ukuba nemoto emgwaqweni kufanele ube nomshuwalense wezimoto. Abanye bathi ngisho banomkhawulo wokubheka lapho kufanele ube nesamba esithile sama dollar; ngokuvamile, lokhu kubizwa ngokuthi ukuqala kokuqala.

Indlela Yokuthola Umshwalense Wezithuthi Omusha E-USA

Umshuwalense we-Auto ubeka ingozi emotweni. Inkampani yomshuwalense ikhokhela ukulahlekelwa kwezimali kumnikazi ngokubuyisela imali encane ekhokhwa ngezikhathi ezithile. Inani elikhokhwa minyaka yonke libizwa ngokuthi i-premium, futhi inkontileka oyikhiphayo nenkampani yomshuwalense iyayaziwa njengenqubomgomo yomshuwalense. Inkampani yomshuwalense ikuvumela ukuba ubambe inkontileka, futhi ube ngumnikazi wezinqubomgomo.

Umshuwalense wemoto angeke ushibhe. Kodwa-ke, ngaphansi kwezimo ezingalindelekile zokulahleka noma ukulimala imoto yakho, isinxephezelo sizobonakala sinjengo-godsend. Ukuzikhandla ngezikhathi zemikhosi yemali ukuvikela imoto yakho noma izimoto eziphethwe ibhizinisi lakho, kungase kubonakale kubi. Kukhona ukuthambekela kokuzama nokusika imigqa ngokusebenzisa amaphakheji amancane omshwalense wemoto. Noma kunjalo, ngisho nokulimala kwemoto encane kuyabiza ngokweqile; ngakho-ke, iphakheji encane angeke ikunikeze ukufakwa okubanzi ngenkathi uyidinga kakhulu.

Izinhlobo Zomshuwalense Wama-Auto E-USA

Izinhlobo ezivame kakhulu zomshuwalense wezimoto ezikhona e-US yi-Insability Assurance, Auto Collision and Comprehensive Insurance, Izinkokhelo Zezokwelapha kanye Nokuvikelwa Kwabantu Bokuzilimaza, nabakwa-Uninsured Motorists kanye nabakwa-Underinsured Motoring. Izinkampani eziningi zanamuhla zinikeza lezi zindawo.

Inkokhelo yomshuwalense wemfanelo ikhokhela umonakalo obangela abanye nompahla wabo. Ikhokhela izindleko zomthetho ezihilelekile kanye nezindleko zomuntu ohlukunyezwayo ozoya enkantolo ebiza umonakalo, ngaphakathi kwemingcele yakho yemfanelo. Endabeni yengozi, izindleko zokulungisa imoto yakho zihlanganiswa yomshuwalense we-collision. Umshuwalense ophelele uhlanganisa ukulimala okubangelwa izigameko ngaphandle kwezingozi zemoto, njengezinhlekelele zemvelo, ukweba, umlilo, ukulimaza, nokushaya isilwane.

Uma kwenzeka umuntu obanjwe inshuwalense kanye nomgibeli ogulayo abadinga ukwelashwa ukwelashwa ngokulimala komzimba ngenxa yengozi, lokhu kuhlanganiswa nokuhlinzekwa kweziNkokhelo zezokwelapha. Ukuvikelwa komuntu siqu kuzokukhokhela izindleko zezokwelapha kanye nomholo olahlekelwe nguwe kanye nomgibeli ohamba nabo uma belimale engozini.

Kungani Udinga Umshwalense We-Auto

Inhloso eyinhloko yimuphi umshuwalense ukuvikela umnikazi wezinqubomgomo nomndeni wakhe ngokumelene nemiphumela ephumela ekulimaleni okungalindelekile noma ekufeni kanye nemithwalo yemali uma kwenzeka lezi zinhlekelele. Kuyinto inkontileka phakathi kwenkhampani yomshuwalense ohlobene nawe, lapho uvuma ukukhokhisa imali ekhokhelwa yilapho inkampani yomshuwalense izodinga ukumboza uma kwenzeka izingozi.

Umshuwalense wezimoto uhlanganisa lezi zintathu eziyinhloko izindawo:

Ukuthengwa kwempahla - kubhekisela emonakalweni noma ukwebiwa kwemoto yakho

Ukutholakala kwemfanelo - kuhlobene nemithwalo yemfanelo yakho yomthetho kwabanye abangase babangele ukulahlekelwa kwempahla ukulahlekelwa ukukhubazeka

Ukuhlinzeka ngezokwelapha - kubhekisela ekunakekeleni kwezokwelapha, izindleko zokwelashwa, ukuvuselelwa, ukulahlekelwa amandla okusebenza, noma ngisho nezindleko zokungcwaba lapho kunezinkampani.

Umsebenzi Womshwalense Wezithuthi

Umshwalense we-auto uvikela futhi kumshayeli ongaqinisekisiwe noma abashayeli. Kulesi simo, abashayeli abasha noma abashayeli abangaqinisekisiwe abanakho inkampani yomshuwalense ukukukhokhela umonakalo okwenzekile, kodwa ngenhlanhla usenayo inkampani yakho yomshuwalense ukuba ithwale ukulahlekelwa.

Vikela ibhange elinikeze ukubolekisa imoto ukukhokhela imoto yakho. Ngoba uma kukhona inhlekelele eyenzekayo emotweni yakho, akekho ozokwazi ukubolekisa noma ukunikeza imali eyengeziwe kuwe ukulungisa imoto ngaphandle kwekampani yomshuwalense wezimoto. Uma kungenjalo, kuzodingeka ulungise umonakalo owenziwe emotweni ngokwakho, futhi lokhu kuzokuvimbela ukuba ukhokhele inkokhelo yenyanga mboleko yenyanga ngesikhatsi. Umphumela wukuthi ibhange ngeke likubole imali eminye esikhathini esizayo, nekhredithi emibi okwamanje okuyiyo okungenani isikhathi esiningi.

Isikhungo Senjensi Yomshuwalense ku Pretoria

umshwalense wemoto omfushane wesikhathi esingakanani

Ukuthengwa komshuwalense wemoto kungaba umsebenzi obangele. Ngaphambi kokuthenga inqubomgomo, kuwumqondo omuhle ukufunda ngezinhlobo ezahlukene zokubheka nokuthi yikuphi okushiwo ngempela.

Ngaphambi kokuthenga umshwalense wezimoto, kufanele uqonde izingxenye ezihlukene zokuhlanganisa: umthwalo wemfanelo, ukushayisana nokubanzi. Ngayinye yalezi zingxenye iyingxenye ye-premium yomshuwalense wemoto oyikhokhayo. Nakuba kungase kube isilingo sokuthola umshuwalense wemoto eshibhile, kungcono ukukhetha ukuqiniseka ukuthi wena nemoto yakho zivikelekile ngokwanele.

Izinhlobo Ezinhlanu Zokuqala Zomphakathi

Isibopho:
Le yingxenye yomshuwalense wemoto oyomelwe ube nayo - ikuvikela uma unecala lenhlekelele. Ungabekwa icala lokulimala kwenye imoto, kodwa futhi nezindleko zezokwelapha, umholo olahlekile, nobuhlungu nokuhlupheka kwanoma ubani omele. Imingcele yemingcele ibalwa ngamashumi ezinkulungwane (noma ngezinye izikhathi ngamakhulu ezinkulungwane) zamaRandi. Isibonelo, i- "50/100/25" kusho ukusakazwa komzimba owodwa ka-$ 50,000 womuntu oyedwa, imali engu-$ 100,000 yokuthengwa kanye no-$ 25,000 wokulimala kwempahla.

Ukungqubuzana:
Lokhu kukhishwa kukhokhelwa ukulungiswa kwemoto yakho, noma ukushintshwa kwezimakethe zayo uma kuqhathaniswa uma ubhekene nomunye imoto noma ushaye okuthile-kungakhathaliseki ukuthi ubani onecala. Uma unomoto osekhulile, ungase ube ngcono ngaphandle kwalokhu kukhishwa.

Kuyacaca:
Lokhu kubhadela kukhokhelwa ukulungiswa noma ukushintshwa kwemoto yakho uma sebiwe noma ezilimele emlilweni, izikhukhula noma imimoya ephakeme. Futhi, uma unemoto endala, kungenzeka ukuthi awudingi lokhu kukhishwa.

Ukubambisana nezigaba eziphelele zenqubomgomo yakho, ehlangene ndawonye ngamaphesenti angama-40 noma ngaphezulu kwe-premium yakho, ngalinye libandakanya inani elidonswayo kufanele ukhokhe ngaphambi kokuba umshwalense ukhawule ngokufaka isicelo ngasinye. Isibonelo, uma unemali engu-$ 500, futhi ulahlekelwe u-$ 1,00
Imithetho ye-

ingafaka futhi ukukhokhelwa kwezokwelapha ngawe nabagibeli bakho (kungakhathaliseki ukuthi ubani onecala), nokuvikelwa komshayeli ongaqinisekisiwe uma kwenzeka imoto yakho ishaywa ngumshayeli ongagunyaziwe. Izinqubomgomo eziningi nazo zinikeza izengezo ezincane ezinjengokubuyisela okuqashisayo (uma kwenzeka imoto yakho ingekho ngenxa yokulungiswa ngemuva kwengozi), kanye nomshuwalense wokudubula.

Yini Edingekayo?

Cishe wonke amazwe adinga abashayeli ukuba bathathe umshuwalense wemfanelo, kodwa kwabanye bathi inani lokubiza elidingekayo liphansi kakhulu - phakathi kwamaphesenti angu-15 kuya ku-$ 25,000. Kungakhathaliseki ukuthi yimuphi umshuwalense wemfanelo owenziwe ngumbuso wakho, kuwukuhlakanipha ukuthola inqubomgomo enomkhawulo wokufaka imali okungenani u-$ 100,000 umuntu ngamunye omele futhi u-$ 300,000 ngengozi, ngoba imingcele ephansi angeke ikuvikele ngokwanele. Eqinisweni, ngokusho kwe-Insurance Information Institute, eminyakeni yamuva nje umklomelo wokulimala komuntu siqu kuleso simo kuye kwaba ngu-$ 323,000. Kumele futhi ucabange ukuthi okungenani u-$ 50,000 ekukhunjweni kwempahla yokulimala kwempahla. Ngisho noma umkhawulo wesimo ungase ube mkhulu kakhulu, ukulungisa izikweletu kungenezela ngokushesha ezimotweni zokunethezeka kanye nezinye izimoto ezibiza kakhulu.

Indlela esheshayo yokusika isikhwama somshuwalense wemoto yakho ukwandisa ukwedluliswa kokushayisana kwakho nokuhlanganiswa okuphelele . Ukukhulisa imali yakho esivela ku-$ 200 noma $ 250 umkhawulo kuya ku-$ 500 kunganciphisa amaphesenti angu-10 kuya ku-15 ngonyaka kusukela ku-bill yomshuwalense wakho wemoto. Kodwa-ke, kufanele uhlole ngokucophelela lokho okumele ukwazi ukukulondoloza mayelana nezindleko eziphezulu eziphuma ngaphandle. Uma ungenakukwazi ukukhokha imali engaphezulu, kufanele ukhethe i-deductible ephansi.

Uma ushayela imoto endala, ungakwazi ukuyeka ukusabalala okuphelele nokudibanisa ngokuphelele. Eqinisweni, uma imoto ingaphezu kweminyaka emihlanu ubudala, kufanele ucabange ngalolu khetho. Akukona umqondo ukugcina ama-premium premium yomshuwalense wezimoto ezidakayo uma imoto ingabalulekile kakhulu. Khumbula ukuthi noma yikuphi ukukhokha kuzoba ngenani lemakethe kuphela yale moto. Njengomthetho wesithupha, ungagcini ukufakwa uma ngabe i-premium ye-collision nephelele ingaphezulu kwamaphesenti angu-10 we-value esetshenzisiwe yokuthengiswa kwemoto.

Iningi lifuna ukudluliselwa kwezimoto okungagunyaziwe / okungaphansi kwesibindi, ngokuvamile u-$ 20,000 kuya ku-$ 40,000 ekuvikeleni. Uma imoto yakho ishaywa umshayeli ongenayo umshwalense wezimoto noma engenawo umshwalense owanele, lokhu kuzothola ukulimala kubagibeli bakho nezinye izindleko umshwalense wezempilo ongajwayelekile awufihli. Ibuye ikuvikele uma umshayeli ongeke aqiniseke akushaya ngenkathi ugibela ibhayisikili noma uhamba. Ungathenga i-$ 100,000 ekuthengeni cishe ngama-$ 50 ngonyaka, kodwa ngokuvamile kuvumelekile izindleko zokwandisa lokhu kokusabalalisa okungaphezulu.

Ohlangothini olungaphezulu, ungakwazi ukulondoloza ekuhlinzekeni kokukhokhelwa kwezokwelapha. Kungakhathaliseki ukuthi ubani onecala engozini, lokhu kuzokukhokhela izikweletu zedokotela nezibhedlela - futhi ngezinye izikhathi ngisho nezindleko zokungcwaba - ngawe nabagibeli bakho. Kodwa ngaphambi kokunciphisa ukukhokhelwa kokukhokhelwa kwezokwelapha, hlola ukuze ubone ukuthi inhlanganisela yempilo yakho nempilo yomshuwalense wezempilo izofaka lezi zinto. Uma kunjalo, ungenza ngokuphepha ngaphandle kwalolu khetho, okungakusiza okungenani u-$ 100 ngonyaka.

Iseluleko Somshuwalense Wezithuthi Zomshayeli eMissouri

inqubomgomo yomshuwalense wesikhathi eside

Njengezinqamu zeqhwa nesiraphu ye-maple, umshuwalense wemoto uyisici esibalulekile se-Canadian experience. Akuwona wonke amazwe adinga ukutholakala komshuwalense ngomthetho njengoba kwenza iCanada; umqondo wentela ye-petroleum ekhokhelwayo njengenkokhelo iye yacatshangwa njengengxenye yomshwalense wemoto ovamile kwezinye izindawo. Kodwa, kungakhathaliseki ukuthi kunesidingo salo, ukutshala imali enkonzweni akukaze kube yisinqumo esibi. Umshuwalense ungasindisa abashayeli emithwalweni yomnotho yomgwaqo ongenakwenzeka: izingozi. Kwenzeka kuwo wonke umuntu, kungakhathaliseki ukuthi uhlangene nakho noma ikhono lakhe. Ukushayela, njengokunye okunye okuyingxenye yokuphila komuntu, ngokwemvelo kuncike ekuphutheni komuntu.

Ngisho nomshayeli oqhutshwa kakhulu angaphazanyiswa imvelo yethu yanamuhla yokushayela. Ngomshuwalense onokwethenjelwa, ukuphepha kwezimali kuyinto encane yokukhathazeka ngayo. Phakathi komsakazo, amabhodi kanye nabantwana abangenandaba nabangqongqoza ngemuva, emaminithi ambalwa emgwaqweni anganikeza izindlela ezingaphezulu zokuguqula ukunakwa komuntu kunamahora ambalwa phambi kwethelevishini. Konke okudingekayo kuyimithi eyodwa engalungile ngosuku oluhle noma ukuhlolwa kwehlombe elinganakiwe ukuze kubangele izinkulungwane zamadola ngokulimaza impahla yakho noma impahla yabanye. Uma intengo yengozi ingaphezu kwemali yemoto eyabangela, umshuwalense wemoto ungasindisa umshayeli ekubhujisweni kwezezimali. Ukuvikeleka kwenqubomgomo enhle kuvimbela abashayeli ngezindlela zesikhwama sezindiza esingenakwenzeka.

Ukuvikelwa ukuthi umshuwalense unikezela kubaluleke kangangokuba sekuye kwadingeka ukuba wonke umuntu waseCanada onethemba lokuthi uzobuya ngemuva kwesondo. Kodwa ezinye izifundazwe zinika abashayeli ithuba lokuzikhethela ukuthi umshuwalense wabo wemoto uhlinzekwa yini. Ukusebenza kusadingeka kodwa izinqubomgomo zingenakwenzeka. Ikhono labashayeli lokulawula izinqubomgomo zabo nokuvota akuyeki nenkampani noma. Amanani omshuwalense wemoto athathwe yizici eziningi. Nakuba ezinye zalezi zinto zingaphandle kwamandla omshayeli, njengaminyaka yobudala nobulili, kusekhona izinqumo eziningi abangayenza ukuze banciphise amazinga abo. Ukukhetha imoto ephephile, ukushayela amabanga amancane nokuthola amathikithi ambalwa yizinto zonke abashayeli abakwazi ukuzenza ukuze bagcine izinga lemishwalense yabo yemoto ngangokunokwenzeka.

Abanye abashayeli, ikakhulukazi abasha, bayaqaphela amazinga ahlukene- ukukhokha imali ehlukene yokuba abantu abahlukile. Izinkampani zomshuwalense nakuba zingekho abaphangi noma abazuzi. Bazama nje ukwenza amanani omshwalense wemoto ngendlela enhle ngangokunokwenzeka. Imoto eshiya igaraji kabili ngesonto ingenakwenzeka ukuba ibe nengozi kunomunye oshiya kabili ngosuku. Isiteshi esiteshini esincane esilungisa ukulungisa kunemoto yemidlalo engenayo. Wonke umuntu unemikhuba ehlukene yokushayela ngakho-ke kulula ukuba babe nemigomo yomshuwalense wemoto. Ukuthola inqubomgomo yomshuwalense wemoto kungaphezu kokwenza isivumelwano; kungukuqala kobudlelwane obungasiza umshayeli ngezikhathi ezimbi kunazo zonke.

Kwezinye izifundazwe eCanada, lapho abashayeli banamathuba amaningi kangaka mayelana nomshuwalense wabo wemoto, noma yiluphi ulwazi oluthe xaxa lungase luphele ukulondoloza umshayeli wemoto okhokhelwa izinkulungwane zamadola. Kukhokhwa ukwaziswa, ngokoqobo. Inqubomgomo efanele ingakugcina uphephile lapho kungenjalo okunye, kungakhathaliseki ukuthi usekuphi Canada.

umshuwalense wesikhathi esifushane