Gcina imali kwi-inshurensi kwiinyanga zelanga
Nangona ezi zinto zikhankanywe ngasentla ebusika mhlawumbi zizisa ubuso bakho, kukho enye into ebaluleke kakhulu njengokwakhiwa kwentsapho kunye nemibutho yoluntu: ukukhusela ipropati yakho xa kwenzeka isiqhwithi esingalindelekanga okanye enye inhlekelele.
Ubusika yinto ebalulekileyo yomshuwalense. Umonakalo onxulumene nemozulu udlalwa kwiinyanga ezibandayo - unokubonga loo maqhwithi enqabileyo kunye neqhwa, kunye nesichotho esincinane. Ininshurensi yenye yezinto ezifuna ukucingelwa kwangaphambili kwexesha. Ngokuqhelekileyo, abantu babanjwe bengalungiselelanga emva kokuba umonakalo ungabikho ngaphandle kokubhengezwa okufanelekileyo. Ukuphononongwa kwe-inshorensi yokuhamba kuzo zonke iinqwelo ezihamba ngeenjini xa uhamba ngeenyanga zasebusika-kungenjalo, unokushiywa ngeendleko ezingalindelekanga nezingalindelekanga.
Yomshuwalense wemoto
Ngokwenene uqwalasele umgaqo-nkqubo wakho womshuwalense wemoto xa ubusika usondela. Cinga ngeziphi izingozi ezitsha ezenzekayo kwiinyanga zasebusika kwaye ukuba utshintsho kwi-coverage luyimfuneko.
· Ngaba unesithuthi ongaziqhubeki kwiinyanga zasebusika? Ingakusindisa amawaka eedola ukunciphisa ukufihla kwivili elimiselwe ngexesha leenyanga zasebusika. Ukunciphisa i-coverage kubanzi kuphela kuya kukhusela isithuthi sakho malunga nezinto ezinokuthi zenzeke kulo xa uhleli njengomonakalo wesiqhumane, umlilo, ukweba, kunye nokuchitheka.
Cinga ngoncedo lwenqanawa ukuba ungenayo kakade. Ukuncediswa kwendlela enokuthi kunokwenziwa ngokufanelekileyo kwiinyanga zasebusika. Ngezinye iinkqubo i-Slide-offs ingenakukhutshwa nakwii-SUV ezine ezinevili. Ukunamathela emhadeni akukaze kulungile. Unokuphepha iindleko ezinkulu zeeww ngokuthenga intengiso engabonakaliyo kwendlela yokuncedisa ngomgaqo wakho wemoto.
· Cinga ukwandisa uhlaselo lwakho ngokufaka ingxelo ebanzi okanye yokudibanisa . Misela inqanaba lakho lomngcipheko ngexesha lonyaka. Ixesha lasehlotyeni lingahle lenze umngcipheko omncinci ukuze ukunciphisa ukufumana ingqiqo. Ngexesha lebusika, amanqanaba omngcipheko ahlala ephakama, ngoko kuya kuba yithuba lokungena kwi-coverage. Olupheleleyo luya kukhusela umonakalo wesiqhumane kunye nokudibana kuya kukukhusela ekumonakaleni komzimba emva kokuba ushenxise kwiqhwa.
Inqwelo-mshoni
Uyenza ntoni ngesithuthuthu sakho ngexesha lobusika? Ukuba uhlala kwindawo ebandayo, unokhetho kuye kuxhomekeke kwinto enikezela ngayo. Into ebaluleke kakhulu ukuyikhumbula xa ushintsha i-motorcycle coverage yakho ngeenyanga zasebusika kukuqinisekisa ukuba uyayitshintsha xa iphelelwa ngumkhuhlane.
· Cinga ukuphakamisa ama- deductibles akho. Ngenxa yokuba isithuthuthu sakho siqhutyelwa ngokunyanisekileyo ukuba kukho konke, umngcipheko wakho wonakalo uncinci kakhulu. Ukwandisa izithintelo zakho zeebhayisikili ezinyangeni zasebusika ziya kukugcina imali.
Susa ukhuselo lwezokwelapha ngelixa ungahambi. Ukugqithwa kwezonyango kwiithuthuthu kubalulekile, kodwa ukuba awukhwele iinyanga ezimbalwa, nceda ususe le ngxelo.
• Ukunciphisa ukufikelela kwiinkcukacha ezibanzi kuphela. Ukubeka isithuthuthu sakho ekugcineni ubusika kuthetha ukuphela kwenkxaso oyifunayo ngokwenene.
Kukho abambalwa abathwala i-inshorensi abangekho banike le khetho.
· Ukuba uthetha uxanduva kuphela ngesithuthuthu sakho ngeenyanga zasehlotyeni, ukukhansela umgaqo-nkqubo wakho womshuwalense we-motorcycle xa ungekho ekhwela ebusika.
I-Insurance Insurance kunye ne- RV Insurance
Xa ulwandle luqhwala, isikebhe sakho mhlawumbi sifakwe kwigaraji. Kwaye i-RV yakho ingaboni nantoni na. Ngaba usadinga ukugcina i-inshurensi kubo? Ukuba unomdla malunga nomlilo okanye ukweba, kufuneka ugcine isikebhe sakho kunye ne-inshurensi yeRV endaweni. Ukuba ulahlekelwe yintlawulo yakho, kufuneka kwakhona ugcine ipolisi yomshuwalense esebenza. Ngaphandle kokuba i-toy yakho ihlelwe kumgaqo-nkqubo womnini-propati yakho, umgaqo-nkqubo wakho womshuwalense wekhaya awuyi kugubungela amathoyizi.
Izithuthi ezithatha umngcipheko omkhulu ngexesha lokubusika zinokunciphisa izithintelo zabo kunye nokukhutshwa kwazo.
Okwangoku, iimpawu zakho zokunciphisa umngcipheko ngexesha lokubusika kufuneka zithintele ukunyuswa kunye nokuba kuncinci. Ukugcina imali kwi-inshurensi yemoto ngexesha lokubusika linokwenzeka. Cinga ucinge kwaye uqwalasele ingozi yakho. Inyaniso awukwazi oko kuza kwenzeka kwixesha elizayo, kodwa unokwenza uqikelelo olufundisayo olungakusindisa olukhulu.