Ngokwe-National Association of Commissioners Insurance (NAIC), malunga neepesenti ezingama-20 zazo zonke i-inshurensi zemoto ziya kunika i-inshorensi esebenzisekayo kwiminyaka emihlanu ezayo.
Emva kokuba ifowuni yefowmatics efakwe kwisithuthi sakho, ihlola indlela oqhuba ngayo imoto kwaye uyilobe. Ezinye zezinto ezivezweyo ziquka apho kwaye xa uqhuba, inani leekhilomitha oziqhubayo, naziphi na ixesha lokukhawulezisa ngokukhawuleza okanye ukuphuka kanzima. Nangona abanye abaqhubi bebhengeze iinkxalabo malunga nobumfihlo beenkcukacha zabo eziqokelelweyo, iinkampani eziphezulu zinika i-inshorensi esebenzayo, njenge- Progressive Insurance , ingxelo yokuba akukho nxaxheba ekulandeleni idatha yomqhubi womqhubi kunye nolwazi alukwabelwanga nabani na abathathu.
I-inshurensi ye-auto-based esebenzisa njani ihluke kwi-auto auto yomshuwalense? Ngomgaqo-nkqubo we-inshurensi yemoto, i-premium yakho ye-inshurensi inqunywe ngamanani amaninzi kubandakanye imbali yokuqhuba imoto, yenza kunye nemodeli yesithuthi sakho, i-mileage kunye nendlela osebenzisa ngayo isithuthi sakho (njengokusebenzisa isithuthi ukuqhuba umgama omde ukuya emsebenzini okanye kuphela ukuqhuba ngokuzonwabisa).
Ingaba umgaqo-nkqubo wendabuko awuthathi ngqalelo kwi-premium yomshuwalense yinshurensi esebenzisekayo yindlela ekhoyo yokuqhuba. Umzekelo, nangona uye waba neengozi kwixesha elidlulileyo, unokuba ngumqhubi okhuselekileyo ngoku.
I-inshorensi esebenzisekayo yintsebenzo yokuphumelela kumnini-nkqubo kunye nenkampani yomshuwalense kuba inika umqhubi ukuba athathe iindlela zokuqhuba ukukhusela okukhuselekileyo, okwenza ukuba kunciphise inani lezengozi kunye nenani lamabango inkampani yomshuwalense kufuneka ihlawule ngaphandle.
Enye inzuzo kumnini-nkqubo kukuba ukuba wenza utshintsho ngexesha lwenyanga echaphazela yakho premium; umzekelo, uyeka umsebenzi wakho wemihla ngemihla kwaye uqale ukusebenza ukusuka ekhaya, ukunciphisa i-premium yakho kusebenza ngokukhawuleza.
Nangona i-inshorensi ye-auto-based-based usetyenziswe ukuba ingabikho kubo bonke abantu, okwangoku bahlawula iiprimiyamu zomshuwalense ophakamileyo kakhulu ngenxa yokuba bahlelwe njengabaqhubi bengozi basemgangathweni banokufumanisa ukuba i-inshorensi esebenzisekayo inganciphisa kakhulu iipomimas zomshuwalense. Inkokhelo ye-inshurensi ayinayo wonke umntu ihla nge-inshurensi yokukhokha-njengayo. Ngelixa abanye abantu baya kufumana imali ebalulekileyo yokugcina imali, enye i-premium yomshuwalense ye-inshurensi iya kunyuka.
Nangona i-inshurensi yakho yemoto inika i-inshorensi esebenzisekayo, yinkqubo yokuzithandela kwaye ayikho imfuneko. Ukuba awufuni ukuba idatha yakho ibuthe kwaye ithunyelwe kwinkampani yakho yomshuwalense ngedivayisi ye-telematics, ngoko ke lolu hlobo lwenkqubo lungenakho. Ukuba unemibuzo ethile malunga neyiphi idatha eqokelelweyo kunye nendlela esetyenziswa ngayo, kufuneka uqhagamshelane nenkampani yomshuwalense enikela inkqubo. Inkampani yomshuwalense kufuneka ibe ne-disclaimer kwiwebhusayithi yayo leyo ichaza ngakumbi malunga nomgaqo-nkqubo wayo wobumfihlo kunye nokuba nayiphi na idatha edibeneyo iya kusetshenziselwa.
I-teknoloji ejongene ne-inshorensi esebenzisekayo ibuye yenze ukuba nezinye iinkonzo zokuqhubela iinkonzo ezinokuthengwa ngabaninzi be-inshorensi ezifana neengxelo zezempilo, ukulandelwa kwebabi bezithuthi kunye nokukwazi ukuphendula ngokukhawuleza. Kungenzeka ukuba kwixesha elizayo, abaninzi bomshuwalense wezithuthi baza kuqala ukufaka ezi nkalo kwiiprogram ze-UBI.
Ngaphambi kokuthatha isigqibo malunga naluphi na uhlobo lwenkqubo yokusebenzisa i-inshurensi ye-auto-based, kukulungele ukwenza umsebenzi wesikolo sakho sasekhaya. Funda phezulu kwenkampani enikela inkqubo kwaye ufunde ubungqina bokuba benzise inkqubo. Uyakwazi ukufunda ngamava kumakhasimende abo abasebenzisa i-inshorensi esebenzayo, kuquka ezo nkampani eziye zinikela nge-inshorensi esebenzisekayo: iNkxaso-mali kazwelonke ( iNkqubo ye-Nationwide SmartRide ); I-Esurance (i- Esurance DriveSense Programme ); I-Safeco (i- Safeco Rewind-le nkqubo inikezela ukuxolelwa ngengozi ngendlela yokususa iindleko ezivela kwi-premium yakho yemigaqo-nkqubo yokuqhuba umoto okhuselekileyo); kunye ne- Metromile , esekelwe i-premium yomshuwalense we-auto kwixabiso leekhilomitha oziqhubayo .
Ngendlela yokusebenzisa i-inshurensi yomshuwalense ngokunyuka, unokuqiniseka ukuba abaninzi bomshuwalense bazakuqala ukubonelela le nkqubo kubaphathi-nkqubo babo kusasa.