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.

umshuwalense wendlu okwesikhashana

Impahla kanye nemfanelo 

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

izingcaphuno zomshuwalense wesikhathi eside

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.

inqubomgomo yomshuwalense wesikhathi eside

Ngakolunye uhlangothi, ukukhishwa imali kungukuthi uzodinga ukuzixazulula ngaphambi kokuba inkampani ithathe isimangalo. Esimweni esinjalo, Imali Yomshuwalense Wemoto Iqhathanisa Inthanethi 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.

qhathanisa umshuwalense wesikhathi esincane

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.

izindleko 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.

umshwalense wemoto yesikhathi esifushane

Inqubomgomo Yomshuwalense Wesikhathi Esifushane ku Johannesburg ?

umshwalense wemoto yesikhathi 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.

Imoto Yomshuwalense - Kufanele Ukwazi Amaqiniso

izinhlelo zomshuwalense 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.

umshuwalense wesikhathi esifushane kungakanani

 


https://garybailey.co.za/pretoria-4/

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.

umshwalense wemoto yesikhathi esifushane

Impahla kanye nemfanelo 

Ngomshwalense wemoto yomshuwalense, ngokuvamile kunezinhlobo ezimbili zezicelo ongayithola futhi ziyimpahla kanye nemfanelo. Ngokuvamile, Isithuthuthu Somshuwalense South Africa Wokubala 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.

umshuwalense wesikhashana esincane kakhulu

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.

izingcaphuno zomshuwalense wesikhathi esifushane

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.

ikhava yomshuwalense wasekhaya wesikhashana

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.

inqubomgomo yomshuwalense wesikhathi eside

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.

umshwalense wemoto yesikhathi esifushane

Inqubomgomo Yomshuwalense Wesikhathi Esifushane ku South Africa ?

Ukusetshenziswa kwebhizinisi lomshwalense 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.

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Imoto yomshuwalense wesikhathi esifushane ukuqhathanisa

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.

umshuwalense wesikhathi esifushane ekhaya nomphakathi

 


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Gary Bailey Yiba Inqubomgomo Yomshuwalense Wesikhathi Esifushane Uhlu

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.

umshwalense wemoto yesikhathi 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.

umshuwalense 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 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 Inqubomgomo Yomshuwalense Wesikhathi Esifushane ku Gauteng:

Mayelana Inqubomgomo Yomshuwalense Wesikhathi Esifushane ku Gauteng:

ikhava yomshuwalense wasekhaya wesikhashana

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.

Inqubomgomo Yomshuwalense Wesikhathi Esifushane ku Gauteng

ibhizinisi lomshuwalense 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.

Inqubomgomo Yomshuwalense Wezimoto

izindleko zomshuwalense wesikhathi esifushane

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.

izindleko zomshuwalense wesikhathi esifushane