Izintengo Zomshuwalense Wemikhumbi Pretoria

Umshuwalense wemoto uyinto ebaluleke kakhulu kubo bonke abanikazi bemoto, kungakhathaliseki ukuthi bangaphi. Wonke amagesi kahulumeni anezidingo zawo siqu. Kunezinye izidingo ezidingekayo abashayeli ukuze bakwazi ukuthenga umshwalense futhi bakwazi ukushayela ngaphandle kokungena enkingeni. Futhi, umshuwalense wemoto ungase ube yinto ebiza kakhulu futhi eyinkimbinkimbi. Abashayeli abaningi bazithola besebenza futhi abaziqondi izimo eziphuthumayo ezihlanganisiwe. Kubalulekile ukukhuluma nochwepheshe mayelana neminye yomshuwalense, Izintengo Zomshuwalense Wemikhumbi ku Pretoria kodwa kukhona okuyisisekelo ukuthi wonke umuntu ofuna umshuwalense wemoto kufanele aqonde.

izingcaphuno zomshuwalense wesikhathi esifushane

Impahla kanye nemfanelo 

Ngomshwalense wemoto yomshuwalense, ngokuvamile kunezinhlobo ezimbili zezicelo ongayithola futhi ziyimpahla kanye nemfanelo. Ngokuvamile, Imoto Yomshwalense Wokuqhathanisa Imoto Inthanethi umthwalo wemfanelo uzokufihla umnikazi wemoto ngazo zonke izizathu ezinjengezinhloso zokulimaza noma ukunganaki. Umshuwalense womhlaba, ngakolunye uhlangothi uhlanganisa noma yimuphi umonakalo owenzelwa emotweni yakho noma umonakalo owenziwe kwenye imoto.

umshwalense wesikhathi eside esifushane wemoto

Kubantu abacebile, banomshuwalense omkhulu wemfanelo ngoba kunamathuba amaningi angase athole isinqumo. Isikhathi esiningi, laba bantu bayakwazi ukulungisa izimoto zabo uma kwenzeka kwenzeka ingozi.

Imingcele kanye nemingcele yokunciphisa 

ingachazwa njengesikhulu inani lemali ukuthi inkampani yomshuwalense ingakhokha zonke izicelo zenqubomgomo. Ezinkontileka eziningi, uzothola ukuthi kukhona ukubekwa kwemingcele kokubili kokuphela. Ngezinye izikhathi imikhawulo yempahla kanye nemfanelo ingasethwa. Uma imingcele iphansi, ama-premium aphansi futhi ngokuphambene.

Imoto yomshuwalense wesikhathi esifushane ukuqhathanisa

Ngakolunye uhlangothi, ukukhishwa imali kungukuthi uzodinga ukuzixazulula ngaphambi kokuba inkampani ithathe isimangalo. Esimweni esinjalo, Izingcaphuno Zomshuwalense Wesikhashana kunesidakamizwa kuzo zonke izenzakalo kanye nayo yonke inqubomgomo. Uma i-deductible iphakanyiswa, ama-premium ahla.

Imigqa yokugqoka 

Ezimweni eziningi, umuntu oqinisekisiwe uyadingeka ukuba abe nemigqa yokugcizelela. Kunezinketho eziningi ongakhetha kuzo. Ungakhetha ukukhetha ukubekwa uma kwenzeka ushayela enye imoto. Kukhona futhi inketho yokwengeza abanye kwinqubomgomo. Ukufakwa kwezenhlalakahle kungakhethwa futhi ngenxa yokweba izingxenye zemoto noma imoto.

umshuwalense wemoto yesikhashana

Ukutholakala kwezimoto ezingekho emshwaleni kuvamile kakhulu. Yilapho abashayeli abangaqinisekisiwe bahlanganiswa khona. Lokhu kusebenza kahle uma kwenzeka ingozi kanti enye inhlobo ayinayo umshuwalense odingekayo.

Uma kuqhathaniswa nezinkampani 

Eziningi zezivumelwano Kuhlobene nemoto kunemininingwane efana kakhulu. Futhi, izinkampani zomshuwalense wemoto zingahluka kakhulu komunye nomunye. Uma ukhetha inkampani enkulu, izinsizakalo zizobe zihle kakhulu. Uzosebenzisa amazinga angcono nokubhalwa.

izinhlelo zomshuwalense wesikhathi esifushane

Ukubuyekezwa kungasiza kakhulu ekwenzeni izinqumo. Ungacela umndeni wakho nabangane noma uhlole amabhizinisi ebhizinisi lendawo. Ungenza ukufanisa ngokusekelwe kokulinganisa abakujabulela. Kunezinhlelo ezahlukene ezibekiwe ukuze kuqhathaniswe nezinkampani ezahlukene. Uma ukulinganiswa kuhle, khona-ke uzokwazi ukuthi inkampani izwakala ngokwezimali.

inqubomgomo yomshuwalense wesikhathi eside

Izintengo Zomshuwalense Wemikhumbi ku Pretoria ?

Ukusetshenziswa kwebhizinisi lomshwalense wesikhathi esifushane

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.

Umshwalense Wokuzivocavoca Pump

Umshuwalense wesikhathi esifushane uqhathanisa

Ukukhokha Umshwalense Wokuzivocavoca Pump:

Ngiye ngizibuze njalo ukuthi izinkampani zomshuwalense zenza kanjani imali eningi nakuba zikhokha izigidi ezinkampanini. Kungenzeka yini ukuthi amaphrimiyamu akhokhayo angaphezu kwakho okudingeka akhokhe? Ingabe uke uzizwe sengathi uvele ukhokhela kakhulu umshwalense wakho we-Auto?

Umshuwalense wakho wemoto uhlukaniswe ngezigaba ezintathu ezinkulu. Ukufakwa kwesibambiso, okwesibili ukugoqa kwakho kokubambisana futhi okwesithathu yi-Comprehensive yakho eyaziwa ngokuthi i-Fire and Theft.

Ama-coverage wakho:

Ake ngichaze izikhalazo kuwe bese unquma uma ukhokha kakhulu umshwalense wakho. Ukuhlinzekwa kwakho okuyimfanelo okudingekayo ngomthetho ukhokhela abanye abantu kwenye imoto noma izimoto uma ungena engozini futhi uthola ukuthi unecala. Ukukhishwa kokubambisana kuzokukhokhela umonakalo owenziwe emotweni yakho noma ngabe uyaphutha noma cha.

Empeleni uthi kuNkampani Yomshuwalense, "Mnu. Insurance Company Ngizokukhokhela njalo ngenyanga ukulungisa imoto yami uma kwenzeka yonakaliswa ngisho noma nginephutha ". Bobabili uzovumelana ngemigomo bese usayina inkontileka.

Ukufakwa okuphelele (Umlilo noBugebengu) kuzokwenzela imoto yakho nganoma yini enye ngaphandle kokushayisana okunjengokuthi eyebiwe, ibanjwe umlilo, yonakalisiwe njll Kunamanye ukuhlanganisa phakathi kwalabo abakhokhela izinkokhelo zezokwelapha, ukulahleka kwemali engenayo njll.

Okwamanje sizoxoxa nje ngalezi zincwadi ezibekwe eceleni ngokubanzi futhi sibheke ukuthi zingakanani izinkampani ze-inshuwalense zihlala zifakwa ngokomthetho ukuze ukukhokha izimangalo zayo.

Kungani U-Insurance?

Thatha kimi ungathandi ukushayela ngaphandle komshuwalense futhi ufuna ukuqinisekisa ukuthi abanye abashayeli nabo baqinisekisiwe, ngani? Ngoba uma ushaywa ngenye imoto futhi uhlupheka nganoma yiluphi uhlobo lokulimala komzimba futhi kufanele ube esibhedlela noma ulahlekelwe yimali engenakho ukusebenza, ufuna ukuthula kwengqondo ukwazi ukuthi kukhona imali evela endaweni ethile ukukhokha yakho izikweletu kanye nezindleko zakho zansuku zonke.

Masibhekane nakho, lokhu akuzona njalo kuyoba njalo ngenxa yokuthi uhlelo lwomshuwalense lubekwe kanjani, ngilandele lapha manje. Ngomthetho kumele uthwale Umshuwalense Wezimpahla Emotweni yakho ukuze ube emgwaqweni ngokomthetho. Khumbula lokhu okuyikho okuzokhokhwa ukushaya enye imoto.

Nasi iqiniso lokuthi, ungakwazi ukushayela enye imoto uma imoto yakho ishukuthela futhi ngaphandle kokuthi iqhutshwe iyohamba kuphela uma iqhutshwa. Wena nami sisazi ukuthi ngeke sikwazi ukushayela le moto ngaphandle uma kuphethiloli ku-tank.

Ngakho uma ubeka imoto yakho egaraji lakho, vula umnyango bese uhamba ngeviki ezimbili noma isikhathi eside ulindelwe i-cruise inyanga, kungani kufanele ukhokhele umshuwalense wemfanelo lapho imoto ingaqhutshwa? Ingabe kukhona okungahambi kahle ngalokho? Kodwa ukususa ukubuyiswa nokubuyiselwa kwakho lapho ubuya eholidini ukhokhiswa inhlawulo yokungabi nesikhwama somshwalense. Ungase ube nelayisensi yakho imisiwe.

Asho ukuthi uthenge imoto entsha futhi uyixhase ngebhange, ibhange linomnikazi wemoto kuze kube yilapho usukhokhelwe ngokuphelele umbolekisi ngakho-ke bangakwazi futhi bavame ukufakazela ukuthi uthwala ukumbozwa kokuhlangana uma kwenzeka ukulimala engozini noma okubi kakhulu uma kwenzeka kube yingozi kakhulu ukulahlekelwa okuphelele.

Khokha ePump.

Nakuba ngivumelana nalokhu khumbula awukwazi ukushayisana uma imoto yakho ingahambi futhi ingahamba kuphela uma kukhona uphethiloli itanki, uyavuma? Ngakho-ke nansi inkolelo yami, uma ukusetshenziswa kwanoma yikuphi kwalezi zincwadi (Ukuzibophezela nokuHlangana) akunakwenzeka ngaphandle kokunyakaza nokunyakaza kuncike ekutheni uphethiloli akufanele yini ukukhokha kwakho kuboshwe ukuze uphethile? Iyiphi indlela engcono yokwenza lokhu kunokufaka icala lokukhokhiswa ngentengo epompo. Ngokukwenza kanjalo ukuxazulula le nkinga futhi kungenzeka ukuba nabashayeli abangaqinisekisiwe emgwaqweni.

Uma uphethiloli wakho uphuma bese imoto yakho iyoyeka futhi awukwazi ukushaya noma yini nayo ngoba ayidluli. Hamba kabusha futhi uphinde uqinisekiswe kabusha.

Izinkampani zomshuwalense zivame ukukukhokha ngokusebenzisa imoto yakho, njengokungathi uqhuba imoto yakho ukuthi isebenze noma uyisebenzise ukuze uthole ukuzijabulisa. Ngaphezulu kwakho uhamba ngokukhokha kwakho ngaphezulu komkhawulo othile we-mileage. Isibonelo ukuthi uma ushayela ngaphansi kwamamayela ayishumi ukuze usebenze ukhokhela kancane kunalokho uma ushayela ngamamayela angaphezu kuka-10. Ngakho-ke inkampani yomshuwalense ithi ukuthi uma ugcina imoto yakho ishukumisela kakhulu ukuthi uzothola engozini.

Ngakho uhamba ngamamayela angama-50 ngendlela eyodwa yokusebenza, udinga ukushisa uphethiloli kunokuba ushayela amamayela angu-7. Kungani ungafaki i-premium yakho ibe yinkokhelo yakho yamafutha? Kubonakala njengendlela enhle yokukhokhela umshwalense.

Paka imoto yakho phakamisa Umshwalense wakho:

Ubeka ipaka imoto yakho 'yokupaka izimoto ngehora eziyi-8. Uya phezulu ehhovisi lakho bese wenza umsebenzi ogcwele usuku lonke. Lapha imoto yakho ayihambeli amahora angu-8. ngakho-ke ngeke ushaye noma yini noma ubani okwamanje ukhokha inkampani yomshuwalense. Lapho imoto yakho isitolo sokulungisa, izingxenye zise-oda emuva futhi ngezinsuku ezintathu ezizayo uqasha imoto. Uthengela uphethiloli wendawo yokuqasha futhi ungase udingeke futhi uthenge umshuwalense kulowo moto. Lapha manje ukhokha kabili. Uhlu luqhubeka futhi kodwa uma ukhulu njengezinkampani ze-Insurance ungenza imithetho yakho. Noma ingenye yezindlela izindlela zenkampani yakho yomshuwalense engakwenza kahle ezithembisweni zabo kuwe.?

Nokho konke lokhu kwenza ingxabano enhle yokubopha uphethiloli kanye nomshuwalense ndawonye into eyodwa ebaluleke kakhulu elahlekile yi-agent yakho . Lapha lapho uzothola khona ukwelulekwa kobuchwepheshe ukuthi kungcono kanjani ukuvikela izimpahla zakho.

Ngiyathanda elithi "Umshuwalense unjengeparachute". Ungase ukhononde ngokuyikhokhela kodwa ujabule lapho wenza khona noma nini. Thatha iseluleko sami futhi ungalokothi uhambe ngaphandle kweMshwalense.

Imisho yomshuwalense wemoto yesikhashana e-inthanethi

 


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Gary Bailey Yiba Umshuwalense Omncane Wemoto Yamabhizinisi Amancane Uhlu