Inqubomgomo Yomshuwalense Wesikhathi Esifushane Gauteng

Izinzuzo zokusebenzisa Services Car Insurance Calculator Services Inqubomgomo Yomshuwalense Wesikhathi Esifushane ?

Ukuhlolwa kwamanani ezingozi eziboshwe kumuntu othize kusetshenziswa njengesisekelo semali ye-premium. Kubantu ababeka ingozi enkulu yokubandakanyeka engozini yezimoto, Inqubomgomo Yomshuwalense Wesikhathi Esifushane  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.

Imoto yomshuwalense wesikhathi esifushane ukuqhathanisa

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.

umshwalense wesikhathi eside esifushane wemoto

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.

umshwalense wemoto yesikhathi 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 wendlu okwesikhashana

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 Inqubomgomo Yomshuwalense Wesikhathi Esifushane ku Gauteng:

Mayelana Inqubomgomo Yomshuwalense Wesikhathi Esifushane ku Gauteng:

umshuwalense wendlu okwesikhashana

Umshuwalense wezimoto nge-SR22 noma u-FR44 ukuthunyelwa kuyadingeka emazweni amaningi abashayeli be-DWI noma i-DUI. Lolu hlobo lwenqubomgomo yomshuwalense wemoto lulungele ukuhlangabezana nokukhishwa kanye nezinye izidingo eziqondene nombuso ngamunye. I-SR22 ne-FR44 ngamagama amafomu asetshenziselwa ukubhala phansi futhi athumele (ifayela) ubufakazi bokulandela umshwalense. Lokhu ngokuvamile kuyisinyathelo sokugcina ngaphambi kokuba abashayeli abanecala bavuselele ilayisense yabo. Le nqubo ifana nomaphi lapho kukhona ukungezwani okuhlukile emazweni ambalwa.

Isinye isishayamthetho sesifunda sinquma izidingo, futhi uMnyango wezimoto eziqondene nawo uqondisa inqubo. Ngo-2007 no-2008 iFlorida neVirginia baqala ukwehlukanisa izinkolelo ze-DUI ngokusebenzisa i-Form FR44 kuphela, kuyilapho begcina ifomu le-SR22 kubo bonke abanye abashayeli bezingozi eziphezulu. Inqubomgomo ehambisana ne-FR44 ihlanganisa imingcele engu-$ 300,000 yemingcele eFlorida ngenkathi i-SR22 yayo idinga i-$ 30,000. EVirginia kuyi-$ 100,000 ye-FR44 ne-$ 50,000 ye-SR22. I-Texas yandisa imithwalo yemfanelo yabo yabashayeli be-DWI ngo-2011. Kusukela ngo-1980 abaamaMama ababhekene noDrunk Drivers (MADD) baye baletha lolu daba phambili futhi bathi basabela ngokwenza njalo ukuze banqande ukuphuza nokushayela.

ukujwayela ukuvimbela kuye kwavela ngenxa yomnotho onesizotha ngenxa yokuphoqelela ukusebenza. Abomasipala basekhaya futhi bathi ngemali eyanciphayo bafuna ngamandla abaqhubi ukuba baqoqe izinkokhelo nemali. Izidingo ezengeziwe zokuphatha nokubhala phansi (ukuqinisekiswa), ukuqinisa ukuvinjelwa, cishe kuzoqhubeka yizizwe eziningi. Ukungafani okwamanje okuphakathi kwamanye amazwe amakhulu kubandakanya iKalifornia neFlorida benenkathi yokulandela iminyaka engu-3 neTexas 2. INew York, North Carolina, iDelaware, Kentucky, Minnesota, New Mexico, Oklahoma nasePennsylvania ayidingi ngokuphelele i-FR44 noma i-SR22. Ukuthola izidingo eziqondile lapho uhlala khona kubaluleke kakhulu ekuqinisekisweni kwenqubomgomo yokubuyisela ilayisense. I-Florida neVirginia, yiziqu ezimbili kuphela ezidinga inshuwalense ye-FR44 kubaqhubi babo be-DUI baye bazuza kakhulu kuloluhlelo. Ngenxa yezizathu eziningi ukuthi umshuwalense wemoto ka-FR44 uyinzuzo kubo bonke abantu, kuhlanganise nomnikazi wezinqubomgomo. Zonke zinezibalo ezingu-0.08 ze-blood alcohol njengemikhawulo ejwayelekile yomthetho. Ngokufanayo, umshuwalense we-FR44 we-DUI abashayeli bangaba yisimiso kuzo zonke izifunda ngenxa yokuphumelela kwawo eFlorida naseVirginia.

Izinqubomgomo zomshuwalense wemoto kusuka nomaphi lapho uhlala khona ne-DUI, DWI, FR44 noma i-SR22 yizo zonke okufanayo. Kodwa-ke, umehluko kubalulekile ekutholeni ilayisense yakho iphinde ivuselelwe nokuthi ukhokhela kangakanani. Gcina izidingo ezingqondweni ziguqula njalo abashayeli abanecala. I-agent yomshuwalense ozimele ozimele, onikezwe ilayisense kumbuso wakho, angachaza izidingo ezifanele ezidingekayo nokuthi uzobiza kangakanani. I-ejenti efanayo ingaqala inqubo ngokuqedela, ukubopha, nokuhambisa isicelo kwinkampani yomshuwalense. Ifomu le-SR22 noma le-FR44 livame ukukhiqizwa endaweni yokudayiswa, futhi ithunyelwe ngekhompiyutha njengoba kudingeka eFlorida. Ikhophi ephindwe kabili inganikezwa umfakisicelo futhi ihanjiswe ku-DMV ukuze ivuselele ukuvuselelwa kwelayisense.

Inqubomgomo Yomshuwalense Wesikhathi Esifushane ku Gauteng

Imisho yomshuwalense wemoto yesikhashana e-inthanethi

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.

Isihloko Esinye Esiphathelene Nomshwalense We-Auto

Imoto yomshuwalense wesikhathi esifushane ukuqhathanisa

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.

ibhizinisi lomshuwalense wesikhathi esifushane

 


Inqubomgomo Yomshuwalense Wesikhathi Esifushane Johannesburg

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, Inqubomgomo Yomshuwalense Wesikhathi Esifushane ku Johannesburg kodwa kukhona okuyisisekelo ukuthi wonke umuntu ofuna umshuwalense wemoto kufanele aqonde.

umshwalense wesikhathi eside esifushane wemoto

Impahla kanye nemfanelo 

Ngomshwalense wemoto yomshuwalense, ngokuvamile kunezinhlobo ezimbili zezicelo ongayithola futhi ziyimpahla kanye nemfanelo. Ngokuvamile, Isitatimende Somshuwalense Wendlu 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.

Imishuwalense yomshuwalense wesikhathi esifushane

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.

umshuwalense wesikhathi esifushane ekhaya nomphakathi

Ngakolunye uhlangothi, ukukhishwa imali kungukuthi uzodinga ukuzixazulula ngaphambi kokuba inkampani ithathe isimangalo. Esimweni esinjalo, Umshuwalense Wemoto Ucaphuna I-south Africa 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.

izingcaphuno zomshuwalense wesikhathi esifushane

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.

umshuwalense wesikhathi esifushane waseNingizimu Afrika

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.

umshuwalense wesikhashana esakhiwe ekhaya

Inqubomgomo Yomshuwalense Wesikhathi Esifushane ku Johannesburg ?

abahlinzeki bomshuwalense wesikhathi esifushane

Izinqwaba zezinkampani zomshuwalense wemoto nezinqubomgomo zanele ukudidanisa noma ubani, akeke ululaze noma uphendule imibuzo elula ebuzwa njalo. Lezi zinkomo, izincazelo eziyinkimbinkimbi nezinqubo kuphela ziphoqa izinto ngokuqhubekayo. Imibuzo engadingekile ayisaphenduliwe abaningi bethu futhi ngenxa yalokho asihluleki ukuthola izinzuzo ezithile ezifanele kithi.

Nasi isethi yokuqala yazo.

Ingabe mina kudingeka uxhumane namaphoyisa endaweni yengozi?

Yebo yebo. Uzodinga amaphoyisa endaweni leyo ngaphandle kokucacisa umgwaqo noma ukuhlela usizo lwezokwelapha. Amaphoyisa afaka umbiko wengozi ebeka isisekelo sezimangalo zakho nenkampani yakho yomshuwalense. Lo mbiko obalulekile uqukethe ulwazi ngezimoto / izakhiwo ezimele, abashayeli kanye nomshuwalense wamaqembu abathintekayo. Ngaphandle kwalokhu umbiko ungayithola umsebenzi wokukhuphuka ukuze uqinisekise inkampani yakho yomshuwalense. Manje, awukwazi ukugcizelela ukubaluleka kwawo uma kwenzeka impikiswano noma icala.

Ungathola umbiko we-quasi obizwa ngokuthi umbiko wesigameko samaphoyisa uma isiphathimandla esingahambi khona sinamandla.

Kwenzekani emotweni yami uma sebiwe?

Uzohlawuliswa ngokuqinisekile uma unesiko elifanele futhi imoto ibonakala ingatholakali; kodwa okokuqala, kunezinto ezimbalwa okumele uzenze ngokushesha. Bika esiteshini samaphoyisa esiseduze bese uthola inombolo ebizwa ngokuthi inombolo yecala lobugebengu. Xhumana nomeluleki womuntu siqu wezinkampani zakho zomshuwalense ngale namba. Yilokho kuphela; futhi kusuka lapha, inkampani izohlola amarekhodi abo futhi ilandelele nawe kanye namaphoyisa njengoba futhi kuyadingeka ngaphambi kokuba bahlole ukulahlekelwa kwakho ngokuqoka umhloli wokulahlekelwa.

Inkampani yami yomshuwalense iqhubeka umlungisi kodwa ngiyazi ngomshini ongcono. Yini okufanele ngiyenze?

Inkampani yakho yomshuwalense ayikwazi ukukuphoqa kule nkinga; kodwa inkampani inezikhundla ezithile zokulondoloza. Le nkampani ifaka izindleko zokulungisa kuphela umkhawulo wemali ehlolwe ngumhleli noma umhloli wokulahlekelwa; ngakho-ke noma yimaphi inani lokulungisa elidinga ukudingwa nguwe. Okulandelayo, uzokhipha ilungelo lokubiza isimangalo sokukhanda uma umshini wakho okhethwayo engabhalwanga nenkampani yomshuwalense.

Ngenze ingozi izinyanga eziyisithupha ezedlule. Ngingakwazi yini ukufaka umonakalo manje ngaphansi komshuwalense ophelele?

Kumelwe ukuba uye wadukiswa ukuthi ukwenza isimangalo kuzokwandisa i-premium yakho yomshuwalense - okuwukuphela kweqembu eliyiqiniso - noma ngabe ulindele ukulungisa ngezindleko zakho ukuze usindise kubhonasi ayikho isimangalo. Kungakhathaliseki ukuthi kwenzekani, ngeso lengqondo unelungelo lokumangalela manje kodwa iqiniso liwukuthi kufanele ukwazi ukufakazela ngokucacile ukuthi isimangalo siyiqiniso okuyinto enkulu yokubuza ngokushesha futhi engenakho ubufakazi. Lokhu kusalokhu kunzima uma ushaya insika yokupaka ebusuku futhi iphaneli lomnyango lilimazekile lapho kungekho muntu owayebukele. Ekugcineni, isimangalo sakho ngeke sibe, ngenxa yokuthi kungenzeka, sivunyelwe ngenxa yesizathu esisodwa esingabonakali - umshuwalense wakho wokubhalisa umshuwalense akanakho indlela yokumangalela le ndleko.

Imoto yami ukulahlekelwa okuphelele. Yini ezoba imali yami yokuhlala?

Kukhona izimo ezimbili lapha. Okokuqala, unesembozo sezindleko zokufaka esikhundleni. Lokhu kukukhokhela ukuthenga imoto entsha efana nelahlekile yakho. Uma ungenayo lokhu kukhishwa, ukubuyiselwa kwakho kuyoba inani elilingana nenani lemali ngaphambi kwengozi. Ungathenga imoto esetshenzisiwe efanayo nale mali.

Umshwalense Wokuzivocavoca Pump

umshuwalense wesikhashana esincane kakhulu

Umshuwalense wezinto zonke useduze nathi njengomhlambi wezinyosi. Kudingeka sithathe okulungile noma mhlawumbe singalunywa kakhulu. Kungakhathaliseki ukuthi yimiphi imikhiqizo oyibizayo kukhona umshuwalense. Kusuka emotweni encane eya endlini enkulu ihlanganisa yonke into. Manje esimweni esinjalo kuba okubalulekile ukulandelela abahlinzeki bomshuwalense wangempela. Sonke sivame ukuzwa ukuthi izinkampanini zomshuwalense ezihlukahlukene zinikeza abantu abanezingcaphuno zemincintiswano zomshuwalense ngokuqhathaniswa okuphelele, ngamazinga aphansi e-premium. Nakuba kungase kuzwe kulula kodwa akuyona into eqinisweni, kunezinto eziningi okufanele uzibheke ukuphepha kwakho. Ngokwesibonelo, izinkampani zomshuwalense azinikezeli inqubomgomo efanayo namakhasimende amabili ahlukene. Ngakho, abathengi kumele bahlole izinkampanini zomshuwalense wemoto nezinqubomgomo zabo zokuba nenqubomgomo engcono kakhulu yomshuwarensi etholakala khona kuwebhu. Omunye udinga ukuqhathanisa umshuwalense wemoto ngale njongo. Kuphela emva kokuhlolwa okuphelele kwezici zemibango ehlukahlukene yemoto eyodwa kufanele ihambisane phambili. Lokhu kungamvumeli ukuthi asebenze kahle, kodwa futhi kumenze aqaphele ezinye izinto ezibhekene nokubheja. Umuntu uyaqiniseka ukuthi ahlale kude nomshuwalense wemoto eshibhile uma ekwazi amadili angcono, ngemuva kokuqhathanisa konke okukhethwa kukho emakethe. Udinga nje ukuyeka isikhathi sakho sosuku nosuku ukwenza lokhu futhi ekugcineni uyenzela okuhle kuwe. Lezi zonke zicacisa ngokucacile isizathu sokuqhathanisa ukuqinisekiswa kwemoto ngaphambi kokukhetha eyodwa.

Ukwenza yonke inqubo yokuqhathanisa ukuthi udinga ukwazi ukuthi ungenza kanjani ukuqhathaniswa kwemali yokuphepha kwemoto. Okokuqala hlola ubuqiniso benkampani. Ubunikazi benkampani nokwethembeka kuboniswa isevisi yamakhasimende. Zama ukuthola ukuthi zinhle kangakanani ezindaweni zokumangala. Bheka ukuthi umshuwalense wakho uhlanganisa imoto engaphezu kweyodwa ngaphansi kwenqubomgomo eyodwa. Eziningana zalezi zinqubomgomo zinikeza amazinga aphansi e-premium ama-insured amabili anakekelwa ngaphansi kwenqubomgomo eyodwa. Qhathanisa izindleko zomshuwalense wemoto kanye nobubanzi bezinqubomgomo ezehlukene. Isibonelo, izinqubomgomo ezehlukene zinemikhakha ehlukene, njengokungena kwezokwelapha kanye nekhava eliqashisayo. Abathengi ngokuvamile bangathola izici ezithile zisuswe kuwo noma bakhethe enye inqubomgomo ngezinga eliphansi. Into elandelayo ebalulekile okudingeka ukwenze iqhathanisa ama-deductibles. Ngokusekelwe kuzidingo zakho, khetha inqubomgomo ngama-premium aphansi kanye ne-deductibles ephakeme, noma ngokuphambene nalokho. Zama ukunquma ukutholakala komshwalense wemfanelo. Buza ukuthi izinga luni lokubhalela labo abangekho abashayeli abaphephile.

Okulandelayo udinga ukwazi ukuthi kufanele uqhathanise kanjani izinkampanini zomshuwalense wemoto ezahlukene. Yenza ucwaningo oluningi ngokubaluleka kwamakethe athile kanye nokuvumelana kwezezimali. Lokhu kukuvumela ukuba ulandele abaholi bemakethe yangempela kusuka kulo lonke i-lot. Qaphela ukubuyekezwa kwabanikazi bezinqubomgomo namakhasimende ukuthola umbono omuhle mayelana nenkonzo yamakhasimende yomshuwalense. Ngokubheka wonke lawa maphuzu uzokwazi ukuthi ngabe wenze iphutha ukukhetha inkampani yakho. Konke lokhu kufaka isicelo somshuwalense wekhaya. Ngakho-ke, udinga ukuqhathanisa umshuwalense ekhaya futhi. izindleko zomshuwalense wesikhathi esifushane

 


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Gary Bailey Yiba Ikhava Yomshuwalense Wasekhaya Wesikhashana Uhlu

Inqubomgomo Yomshuwalense Wesikhathi Esifushane South Africa

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, Inqubomgomo Yomshuwalense Wesikhathi Esifushane ku South Africa kodwa kukhona okuyisisekelo ukuthi wonke umuntu ofuna umshuwalense wemoto kufanele aqonde.

izinkampani zomshuwalense wesikhathi esifushane

Impahla kanye nemfanelo 

Ngomshwalense wemoto yomshuwalense, ngokuvamile kunezinhlobo ezimbili zezicelo ongayithola futhi ziyimpahla kanye nemfanelo. Ngokuvamile, Imali Yomshuwalense Wemoto Iqhathanisa 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.

ibhizinisi lomshuwalense wesikhathi esifushane

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.

izinhlelo zomshuwalense wesikhathi esifushane

Ngakolunye uhlangothi, ukukhishwa imali kungukuthi uzodinga ukuzixazulula ngaphambi kokuba inkampani ithathe isimangalo. Esimweni esinjalo, Umshuwalense Wesikhathi Esifushane 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.

Ngingathola yini umshuwalense wendlu 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.

umshuwalense wesikhathi esifushane waseNingizimu Afrika

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.

umshuwalense wesibili wesikhathi esifushane

Inqubomgomo Yomshuwalense Wesikhathi Esifushane ku South Africa ?

izinhlelo zomshuwalense wesikhathi esifushane

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, kodwa kukhona okuyisisekelo ukuthi wonke umuntu ofuna umshuwalense wemoto kufanele aqonde.

Impahla kanye nemfanelo

Ngomshwalense wemoto yomshuwalense, ngokuvamile kunezinhlobo ezimbili zezicelo ongayithola futhi ziyimpahla kanye nemfanelo. Ngokuvamile, 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.

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.

Ngakolunye uhlangothi, ukukhishwa imali kungukuthi uzodinga ukuzixazulula ngaphambi kokuba inkampani ithathe isimangalo. Esimweni esinjalo, 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.

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.

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.

I-Car Car Insurance

umshuwalense wesikhathi esifushane ekhaya nomphakathi

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.

Shop Around

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.

Imoto yomshuwalense wesikhathi esifushane ukuqhathanisa

 


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Gary Bailey Yiba Inqubomgomo Yomshuwalense Wesikhathi Esifushane Uhlu