Izingcaphuno Zomshuwalense Wemoto 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, Izingcaphuno Zomshuwalense Wemoto ku South Africa 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, Isaphulelo Somshuwalense Webhizinisi 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.

izinhlelo zomshuwalense 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.

inqubomgomo yomshuwalense wesikhathi eside

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

inqubomgomo yomshuwalense wesikhathi eside

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.

qhathanisa umshuwalense wesikhathi esincane

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.

izintengo zomshuwalense wesikhathi esifushane

Izingcaphuno Zomshuwalense Wemoto ku South Africa ?

Imoto yomshuwalense wesikhathi esifushane ukuqhathanisa

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.

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umshuwalense wesikhashana esincane kakhulu

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

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

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

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

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

Imishuwalense yomshuwalense wesikhathi esifushane

 


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Gary Bailey Yiba Izinkampani Zomshuwalense Ekhaya Eningizimu Ye-Afrika Uhlu

Izingcaphuno Zomshuwalense Wemoto Gauteng

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, Izingcaphuno Zomshuwalense Wemoto ku Gauteng kodwa kukhona okuyisisekelo ukuthi wonke umuntu ofuna umshuwalense wemoto kufanele aqonde.

Imoto yomshuwalense wesikhathi esifushane ukuqhathanisa

Impahla kanye nemfanelo 

Ngomshwalense wemoto yomshuwalense, ngokuvamile kunezinhlobo ezimbili zezicelo ongayithola futhi ziyimpahla kanye nemfanelo. Ngokuvamile, Umshuwalense Wemoto Zakudala 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 wemoto yesikhathi 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.

Imishuwalense yomshuwalense wesikhathi esifushane

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

izinhlelo 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.

Imishuwalense yomshuwalense 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 wesikhathi eside esifushane wemoto

Izingcaphuno Zomshuwalense Wemoto ku Gauteng ?

Umshwalense wemoto omfishane oqhubekayo

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.

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umshuwalense wesikhathi esifushane waseNingizimu Afrika

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.

izintengo zomshuwalense wesikhathi esifushane

 


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Gary Bailey Yiba Izindleko Zomshuwalense Wemoto Yemoto Uhlu