I-FAQ yemali ye-inshurensi yemoto

Iimali zomshuwalense wemoto kunye nemininzi yemibuzo iyahamba ngesandla. Ndiye ndabhala ezinye ze-inshurensi yemoto ebhenkcelayo imibuzo kunye neempendulo ze-quickie. Fumana iimpendulo ezipheleleyo ngokuchofoza umbuzo onokukuthandayo.

• Ngaba imoto yami iphelele?
  Ukuba ixabiso lokulungiswa kwimoto yakho liphezulu kunenani lezithuthi ngokuqinisekileyo lilonke. Uninzi luhamba kunye nenqaku elingu-75% elithetha ukuba umonakalo ophezulu ngaphezu kwe-75% yexabiso lezithuthi ke lilonke.

• Yintoni endiyenzayo emva kwengozi epheleleyo yokulahlekelwa?
  Ukuqhagamshelana nommeli wakho we-inshorensi kunye nokufumana isihloko sakho nje ngamanyathelo amathandathu omele uwathathe emva kokuba sele ulahlekelwe yingozi. Fumana into ongayenzayo ukukhawulezisa inkqubo yebango ukufumana imali yakho ngokukhawuleza.
• Ingozi enye yemoto isingathwa njani?
  Iziganeko eziqhelekileyo zeemoto zihlala zicatshangelwa ngeengozi zengozi. Faka ifom yebango uze uhlaselwe ngengozi yengozi yokuhlaselwa yintengiso yomshuwalense wakho.
• Ngaba ndimele ndihlawule i-claim-fault?
  Ukuhlawula ibango ngaphandle kwesikhwama kufuneka kuqulunqwe ukuba umonakalo ubiza iindinyana zakho kwiindinyana ezichithwe kwi-in-fault-over amount. Thelekisa la manani amathathu ukufumanisa ukuba kuyafaneleka ukuba ufake ifowuni.
• Kuthekani ukuba ndifumana iimangalo ezininzi ze-inshorensi?
  Izibhengezo ezininzi ze-inshorensi zihlala ziziindaba ezimbi. Abaninzi abasithandayo i-inshurensi abayi kuphinda bahlaziye umgaqo-nkqubo wakho ngenxa yeengozi ezimbini ezenzakaliswa ngumqhubi omnye kwiminyaka emithathu. Abaninzi banokugqithisa amabango amaninzi ukuba ngaba abathathu okanye ngaphezulu bafakwa kwixesha leminyaka emithathu. Abathwali bomshuwalense bahluke kwezi zikhokelo.

• Kuthiwani xa umntu eboleka imoto yam kwaye engena engozini?
  Umgaqo-nkqubo we-inshurensi othayibisayo isithuthi iya kuhlawula umonakalo wezithuthi. Ukugcinwa kwenkxaso-mboleko kwandiswa kwakhona, kodwa ukuba umda awukhawulelanga ngokwaneleyo ukugqithisa kunokuwela kumgaqo-nkqubo we-inshurensi yemoto. I-Surcharges yeengozi zecala-ziso zivame ukudibaniswa nomgaqo-nkqubo womshuwalense wemoto yemoto.

• Ngaba kufuneka ndilungise imoto yam emva kwebango le-inshurensi?
  Ukuba unomboleko kwisithuthi sakho okanye ufuna ukuqhubeka nokufumana ingxelo epheleleyo kwisithuthi sakho, yebo, kufuneka ukuba ulungise ukulungiswa. Ukuba awufuni ukuhamba ngokukhawuleza kwaye unayo isithuthi ngaphandle koko kufike kuwe okanye ukulungiswa okanye akunjalo.
• Ziziphi iibango ezixutywe ngokubanzi?
  Isisombululo esicacileyo nantoni na enye ngaphandle kokungqubana. I-Deer , umlilo , ubusela , kunye nokutshatyalaliswa kwezinto zonke zibonwa ngamabango apheleleyo.