Ulungelelaniso olungcono
Indlela engcono yokufumana i-inshurensi yemoto kufuneka ifakwe kwipolisi ekhoyo.
Ngokuqhelekileyo, umntu osendlwini yakho unomgaqo-nkqubo womshuwalense wemoto. Ingaba ungumzali, umgcini, okanye ootatomkhulu, zama ukuzongezwa njengomqhubi kumgaqo-nkqubo wabo.
IiNzuzo zoKongezwa njengoMqhubi
- Ubungqina bokuqala : Njengomqhubi wexesha lokuqala awunayo inshuwalense yemoto yangoku. Iinkampani ze-inshurensi yemoto zijonga abaqhubi abangaxhaswanga. Abaqhubi abaphezulu bengozi bahlawula iphrimium ephakamileyo kunomqhubi oqhelekileyo okanye okhethiweyo. Inqumla engazange ibe ne-inshurensi yangaphambili kufuneka ifakwe njengomqhubi kumgaqo okhoyo. Cinga nje ngoluhlu olusesikweni oluza kubakho kwii-premiums zakho.
- Izaphulelo ezingaphezulu: Ukufakwa njengomqhubi kumgaqo okhoyo kuya kukunika ithuba lokufikelela kwiingaphulelo ezininzi . Umqhubi wexesha lookuqala akahlali ekhaya okanye aneemoto ezininzi; nangona kunjalo, abagcini bakho bangakwazi. Ezi zizaphulelo ziya kwandiswa ngokuzenzekelayo kuwe xa ungezelelwe njengomqhubi kumgaqo-nkqubo.
- Ephantsi ukuya kwiNgeniso engekho phantsi: Inkokhelo ephantsi okanye mhlawumbi engekho phantsi i-perk enkulu yokongeza kwi-inshorensi yemoto yomshuwalense. Ukuba ukongezwa kwipolisi ekhethiweyo esele ikhona, ngokuqhelekileyo yenza utshintsho olwandisa i-premium nje ihlawulwa kwikhompyutyala elandelayo. Amaxesha amaninzi, ukuqala umgaqo omtsha ngokwakho kudinga ngaphezu kweenyanga enye phantsi kwentlawulo.
Ngamanye amaxesha kungenakwenzeka ukuba wongezwe njengomqhubi komnye umgaqo-nkqubo. Ukuba ungumqhubi wexesha lokuqala ujongene nokufumana i-inshurensi ngokwakho, kuyaxhalaka kodwa kaninzi kubiza kakhulu. Izinto ezimbalwa zisebenza kunye nawe ngexesha elifanayo. Abaqhubi abasha banamava amaninzi okuqhuba, ngoko ke iinkampani zomshuwalense zihlawulisa izinga eliphezulu.
Ukuqala ukuqala umgaqo-nkqubo we-inshorensi yomshuwalense ngokwakho uqobo lwakho awunayo i-inshurensi yangaphambili, ekushiye uhlawule izinga lokubeka ingozi.
Iingcebiso zokuhamba zodwa
- I-Around Around : Fumana amanqaku amaninzi avela kubathwali be-inshurensi ezahlukeneyo ukunceda ukuba yeyiphi inkampani inokukunika isantya esincinci . Ezinye i-arhente ezizimeleyo zijolise kwiinkqubo zomshuwalense ophezulu. Ezi arhente zinokucaphula iinkampani ezininzi ozilungeleyo zonke ngexesha elifanayo, elikusindisa ixesha elibizayo.
- Ukuhlawula ngokupheleleyo: Iinkampani ezininzi ze-inshurensi yemoto zinikezela ngokuhlawulwa ngokupheleleyo. Ukuhlawula ngokupheleleyo kubonisa ukuzimisela kwakho ukugcina i-inshurensi eqhubekayo kunye nenkampani ye-inshorensi ikuvuza ngokusaphulelo. Akulona lula ukulondoloza kwiinyanga ezintandathu zemali ye-inshurensi yemoto , kodwa kuyafaneleka ukuba unako ukwenza loo nto.
- Thengisa kwiinyanga ezintandathu: Emva kokuba ugcine i-inshurensi eqhubekayo kwiinyanga ezintandathu ixesha lokuba uqale ukuthenga ngexabiso elincinci. Ngokuqinisekileyo akusiyo ixesha lokulibeka kwaye ulibale. Ukutshintshwa kwiphathi-mngcipheko ophezulu kumntu okhethiweyo mhlawumbi kusindiswa okukhulu kunakuze ubonwe kwiimali-mali ze-inshorensi .
Ukufumana i-inshorensi yemoto okokuqala kunokuba ngumsebenzi osongelayo. Uncedo lwabazali bakho lunokwenza lula ubomi; nangona kunjalo, ukuba kufuneka uhambe wedwa uhlale unamandla kwaye uhambe esikolweni.
Emva kokuba uyenze ngexesha leenyanga ezintandathu zokuvavanya uza kuba kwindlela eya kwimilinganiselo yomshuwalense wemoto . Ukuqinisekisa ukuba unomshuwalense wemoto kwisithuthi sakho kuthetha ukuba uthathe isinyathelo sokuqala ekubeni ngumntu omdala onoxanduva.