Wonke umntu unendlela yakhe yokufundisa, ndicinga ukuba, kuquka nendlela yokufundisa abantwana ngemali nayo yonke into enxulumene nayo. Nazi izicwangciso ezimbalwa kwiindlela ezilungileyo zokufundisa abantwana nge-inshurensi yemoto.
Xa uqala ukufundisa abantwana nge-inshurensi yemoto.
Abantwana banolwazi malunga nento yonke into, kwaye baya kukuxelela nge mibuzo engapheliyo "kutheni". Njengoko umama wayethetha ukuba, ukuba uneminyaka eyaneleyo yokubuza, udala ngokwaneleyo ukwazi impendulo. Imibuzo iqala ngokubukela ukwenza into efana nokuhlawula iibhili. Ngoko ke, ukuba ubhala isheke kwintlawulo yakho yenyanga yomshuwalense kunye nonyana wakho okanye intombi yakho iyabuza into oyenzayo, xelela. Baya kucela ukuba yeyiphi i-inshorensi. Kwaye kukho ukuvula kwakho. Into leyo kukuba, ekuncinci, inkcazo yakho iya kwelinye indlebe kwaye iphuma enye. Kwaye ukuqonda ukuba yintoni umshuwalense we-auto mhlawumbi awubalulekanga kakhulu kumgcini wesithathu.
Ngesikolo esiphakeme, nangona kunjalo, ibali elihlukile. Enye into eqinisekile, mhlawumbi akufanele uvumele umntwana wakho athathe ilayisenisi yakhe yokuqhuba umqhubi phambi kokuba aqonde ngokucacileyo yonke imithwalo yemfanelo ehamba nayo, kwaye iquka inshurensi.
Yintoni ekufuneka ufundise xa uchaza umshuwalense wemoto.
Impendulo yakho iya kuthi, kuxhomekeke kwindlela umntwana ekubuza ngayo.
Ngomntwana oneminyaka engaphantsi kwe-4, unokucacisa ukuba iimoto zingozi kwaye zingozi, kwaye uhlawula imali nganye nyanga ukwenzela ukuba ukuba izinto ezimbi zenzeke kwisithuthi okanye abantu abaphakathi kwayo, akufanele ukhathazeke malunga ukuhlawula umonakalo. Xa unabantwana abancinci ngakumbi, unokucacisa ukuba uhlawula imali nyanga zonke ukwenzela ukuba urhulumente angakuvumela ukuba uqhube imoto yakho endleleni (eyona yinyaniso yeqiniso!).
Ubuqhetseba apha kukuba ufuna umntwana wakho ukuba athathe ingqalelo imilayezo esemqoka yokufunda nge-inshurensi yemoto, oko kukuthi: intengo yangempela yemali yokuqhuba ibanga elingaphezulu nje kweendleko zeegulane ezimbalwa zegesi-kwaye ungene Ingozi, nokuba yincinane, iyabiza. Ngaphandle koko, ngumbuzo wendlela yokusebenza yinshurensi, kwaye yilapho kufuneka ukuba uqaphele ukuba ungawalahleki kwiinkcukacha. Qala ngengcinga engundoqo yokuba inshorensi, nayiphi na inhlobo yomshuwalense, ngokuphathelele ukuhlanganisa ama-dollar abantu abaninzi ukuhlawula umonakalo kumbalwa. Emva koko kufuneka ufihle iziseko, ezibandakanya:
• Iintlobo zoLondolozo: Inkcazo ekhethekileyo yokuxanduva, okufunekayo phantse onke amazwe. Iimfanelo zokuhlawula zihlawula umonakalo kwabanye ngenxa yengozi ebangelwa yi-insured.
Kwakhona, ukwahlula ukukhutshwa kweemfanelo ezivela kwiinkcukacha ezibanzi , ukudibanisa kunye nokungabikho kwemoto .
• Chaza i-Numeri: Ukubhengezwa kwamatyala kufakwe rhoqo kwifom efana nale: 20/40/10. Oku kufutshane ngoku: u-$ 20,000 ukukhusela komntu ngamnye ngomonakalo; I-40,000 yama-$ 000 yenzuzo yokulimala komntu ngamnye ngengozi; kunye no-$ 10,000 umonakalo wepropati nganye ngengozi. Ixabiso langempela lihluke ngurhulumente, kodwa inkcazo isebenza kubo bonke.
• Ukuhlaziywa : Chaza ukuba yintoni echithwayo kunye nokuba kutheni kubalulekile.
• Chaza iNkqubo: Ekugqibeleni, hamba umntwana wakho kwinkqubo yokufaka ibango . Oku kubalulekile xa befumana ingozi kwaye awukho. Qinisekisa ukuba uyayiqonda into enokuyenza kwindawo yengozi (fowuna amapolisa, thabatha imifanekiso, utshintshe ulwazi kunye namanye amaqela, ukubizela) kunye nendlela yokulandela ngayo i-inshurensi.
Indlela yokufundisa i-inshurensi yemoto kubantwana.
Kumele ube nenqaku kwizinto eziliqela apha ezifana nobudala, ukukhula kunye nesitayela sokufunda. Abanye abantwana baya kufunda kangcono ngokuchaza, abanye ngokubonisa. Umele ukwazi oko kusebenza kakuhle nomntwana wakho. Ezinye iingcali zibonisa ukusetyenziswa kweMonopoly imali njengesixhobo, abanye bacetyisa ukuba bangene kwi-inkontileka yakho yinshurensi. Kungakhathaliseki ukuba yintoni eyenza ufumane ulwazi malunga nendlela ehamba ngayo.
Isiphakamiso sokugqibela: mhlawumbi indlela efanelekileyo yokufundisa abantwana bakho abadala malunga ne-inshurensi yemoto kunye noxanduva ngexesha elifanayo kukuba bahlawule iindleko ezongezelelweyo kwi-premium yakho ngokuzongeza njengomqhubi ngesibonelelo sabo okanye emva kwemali yomsebenzi wesikolo / yehlobo. Ukuba ilungelo lokusebenzisa imoto yentsapho liza kumathenda wexabiso, kuya kufuneka bafunde konke malunga ne-inshurensi yemoto ngokukhawuleza!