Xa ungayidingi i-inshurensi ye-Gap kunye nendlela yokuyichitha
- I-inshurensi ye-Gap ayikho imfuneko yonyanzeliso yomshuwalense okanye imithetho yelizwe xa uthenge imoto.
- I-inshurensi ye-Gap inikezela ngokukhawulelana phakathi kobuninzi bakho emotweni yakho, kwaye kukhulu kangakanani (Ukubaluleka kweCash Real) ngexesha leengozi ebangela ukulahlekelwa ngokupheleleyo.
I-Inshurensi ye-Gap iyanceda nini?
Xa unesifo se-inshorensi, inkampani yomshuwalense iya kukuhlawulela inani lenkokhelo yemali yesithuthi, oku kuba yingxaki xa unetyala elingaphezulu kwimoto kunokuba imoto iyafaneleka.
Ukunikezelwa kwe-inshurensi ye-gap kusombulula ingxaki ngokuhlawula umahluko phakathi kwemali yenkampani ye-inshorensi ngokuqhelekileyo iya kuhlawula ilahleko epheleleyo yengozi kunye nenani elifunekayo kwisithuthi. I-inshurensi ye-Gap iyinkcazo yokuzikhethela.
I-inshurensi ye-Gap ikhusela ukuhlawula ukuhlawula imali xa unayo ibango
Ukuba ulahlekelwe ngokupheleleyo kwisithuthi sakho, inkampani ye-inshorensi iya kuhlawula kuphela ixabiso lemali (ACV) yemoto ngexesha lokulahleka.
Oku kunokuba yingxaki kuwe xa izinga lokunciphisa imoto yakho, idibene nomdla ohlawula imali yakho okanye ukuqeshisa ushiye imeko apho ixabiso leemoto lixabisa ngaphantsi kwexabiso elifunekayo kwimoto ixesha lokulahleka ngokupheleleyo okanye ibango kwimoto yakho.
Le ngxaki ephawulekayo kwiminyaka embalwa yokuqala yokuthenga imoto entsha.
Ukuba unesibhanki yomshuwalense, yiba necala phakathi kweentlawulo zakho kunye neyiphi imoto yakho ifanelekile, ngoko unokuba unamathele ukuhlawula umahluko ngaphandle kwe-inshurensi ye-gap okanye isigatya se-waiver.
I-inshorensi ye-Gap ikukhusela ekubeni uhlawule kwi-pocket ye-gap phakathi kwexabiso langempela lemali yemoto kunye nemali oyimfuneko kwiinkampani zokuqeshisa okanye umboleki.
Inkampani Yenkampani Yomshuwalense Wenqwelo-mali Inokunika Uncedo lwexabiso le-Gap Insurance
Ungathenga i-inshurensi yomshuwalense kumthengisi, okanye ngokusebenzisa inkampani yomshuwalense wemoto ngokuvuma .
Kufuneka uhlale uhlola isantya nenkampani yakho yomshuwalense wemoto ngaphambi kokuqwalasela isithembiso somthengisi.
Awunayo Imali Yokuthenga Inqwelo-mali ye-Gap Kwi-Dealer yakho
Icandelo le-inshurensi likhuphisana kakhulu, kukho iindlela ezininzi zokuthenga i-inshurensi ye-gap online
I-inshurensi ye-Gap ayikho nje ngeenqwelo zithuthi
I-inshurensi ye-Gap ingaba luncedo ekuthengeni imoto entsha kunye neenqwelo zemali okanye eziqeshisiweyo. Abantu abaninzi bacinga ukuba xa bathenga imoto yabo, i-inshurensi ye-Gap ayimfuneko. Oku kungalunganga.
I-inshurensi ye-Gap inceda nanini na xa unetyala ngemoto kwaye uza kuhlawula ngokukhawuleza kunokuba iya kuhlaziya.
Iimfuno ze-Inshurensi ye-Gap kunye neKontrakthi yakho yokuqeshisa okanye yezeMali
Izivumelwano zokuqeshiswa zidalwa ngamakhampani ngokwahlukeneyo, ngoko ke akukho "isivumelwano esiqeshisayo sokuqeshisa" esinokuthi singakubopha ukuba ube ne-inshurensi ye-gap. Ezinye izivumelwano zokuqeshisa kunye nezivumelwano zemali ziquka isigatya somhlathi, njengoko kuchaziwe ngezantsi.
I-TIP: Uphando lwekhontrakthi osayinayo ngaphambi kokuthenga i-inshurensi ye-gap ngenxa yokuba unokufumanisa ukuba unesiphakamiso se-gap. Oku kuyahluka ngeenkampani zezemali, kunye nesivumelwano sokuqeshisa.
I-inshurensi ye-Gap kunye namaLungelo eMboleki
Ngokuqhelekileyo, i-inshurensi ye-gap ayikho imfuneko esemthethweni.
Nangona kunjalo amasebe amaninzi okanye amasebe emboleko yemoto angazenzekela ngokuzenzekelayo i-inshurensi ye-gap kwimboleko yomthengi. Xa uthenge imoto entsha unelungelo lokukhanyela i-inshurensi ye-gap. Ngaphambi kokuba ukhanyele i-inshurensi ye-gap, ke, qiniseka ukuba awuyidingi.
I- inshorensi ye-Gap ayifuni
Nangona i-inshuwalense ye-gap iphakanyiswa kakhulu kwizinto ezininzi zokuthenga imoto , kwezinye iimeko i- inshurensi ye- gap ayifuni.
- Ukuba unayo imali yokugcina imali ekhoyo phakathi kwe-inshorensi kunye nexabiso lemoto yakho, ngoko awuyi kufuna i-inshurensi ye-gap. Gcinani engqondweni, oku kukushiya uxanduva lwezemali kuyo nayiphi na i-gap kwiimali ezifunekayo xa kwenzeka ilahleko epheleleyo.
Khangela ukuba iNkampani yakho Yomshuwalense sele isinikeze i-Gap yecandelo le-inshorensi
- Ezinye iinkampani ze-inshorensi sele zibonelela nge-inshurensi ye-gap okanye uhlobo oluthile lwemali-mboleko yolu hlobo lwemali-inshorensi eyakhelwe kwisithuthi senqwelo-mali yemoto , ngokucacileyo akuyi kuba nengqiqo yokuhlawula umgaqo-nkqubo we-inshorensi oza kuba nayo. Buza inkampani yomshuwalense wemoto ukuba banike i-inshurensi ye-gap.
Yintoni Inzuzo Yemivuzo Yomvuzo?
- Ezinye iinkampani zemboleko zinikezela inzuzo kwisivumelwano semboleko. Oku kuthetha ukuba inkampani yemboleko iya kuthatha ixabiso kwixabiso.
Yintoni i-Gap Waiver Provision kwisivumelwano sokuqeshisa?
Ukuba isivumelwano sakho semali-mboleko okanye isivumelwano sokuqeshisa siqulethe igatya lesigane ngaphakathi kwintrakthi yokuxhaswa kwemali ekhupha kwi-gap phakathi kokuhlawula i-inshurensi kunye nemali ehlawulwa emva kwelahleko elipheleleyo kwaye awudingi i-inshurensi ye-gap, kuba kukho ukunikezelwa kwe-gap kwisivumelwano sakho sezimali . Cela isebe lakho lokuxhaswa kwemoto ukuba lihambe ngokwemimiselo yesivumelwano kunye nawe, ngoko unokuqiniseka ukuba uqonde izigatshana. Ukukwazi ngale nto kunokukugcina imali eninzi.
Indlela Yokunciphisa Intshurensi ye-Gap - Unelungelo lokumisa
Ngaphambi kokuba ubhalise iimaphepha-mboleko zakho, qiniseka ukuba ufumene uludwe oluthile lwezinto zonke ezibandakanyiweyo kwiintlawulo zakho zemali mboleko kwaye uqinisekise ukuba awuhlawuli i-inshurensi ye-gap okanye nayiphi na into ongayigunyazisiyo.
Ukucebisa umthengisi wakho wemoto ukuba wenqaba i-inshurensi ye-gap ukuba uthe wagqiba ekubeni awuyidingi, okanye uthathe isigqibo sokufumana kwenye indawo.
Ukuba usenayo ingxaki, ungaqhagamshelana nommeli wakho we-inshorensi okanye umthumeli womshuwalense welizwe ukuze ufumane uncedo ekukhuseleni amalungelo akho ukwenqaba i-inshurensi ye-gap.