Umshwalense Wezimoto Eduze Nami 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, Umshwalense Wezimoto Eduze Nami ku Pretoria 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, Abanikazi Bendlu Yomshuwalensi 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 Omncane Webhizinisi 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.

izindleko 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 ekhaya nomphakathi

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 wesikhathi esifushane kungakanani

Umshwalense Wezimoto Eduze Nami ku Pretoria ?

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.

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.

Umshwalense Wokuzivocavoca Pump

umshuwalense wesikhathi eside kakhulu

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.

izingcaphuno zomshuwalense wesikhathi eside

 


https://garybailey.co.za/pretoria-5/

Gary Bailey Yiba Inkampani Enhle Yomshuwalense Wemoto Kanye Nomndeni Uhlu