IiNkonzo zokuThuthuka kweeNqwelo zeeNqwelo zeeNqwelo zeNqwelo
Ngoko, ukuba ukhangele ukuqinisekisa i-antique yemoto, konke okufuneka ukwenze kukufumana inkampani engcono kakhulu. Uyenza njani loo nto?
Iingcali
Abatshutshisi abakhethekileyo bayindawo enkulu yokuqala. Kukho inani labanini-bhankanyi abakhulu, abahlala bekhona apho baxhomekeke kwi-antique, i-classic ne-autos ye-vintage. Baye bahlala kwishishini ixesha elide baze baqonde iimfuno ezizodwa zabanikazi beemoto ze-antique. Bayazi, umzekelo, ukuba izithuthi zangempela ze-antitique kufuneka zihlale zikhushulwa kwixabiso "elivunyelweneyo" elichasene nxamnye ne "mali yangempela" okanye "ixabiso".
Ezi zilandelayo zintathu amagama ahlala ephuma xa abanikazi bethetha ngeenkampani zomshuwalense we-antique:
Grundy kwihlabathi lonke
Ngoku iphethwe kwaye iqhutywe yiNkampani ye-Insurance yeFiladelphia, i-Grundy Worldwide iye yoshishino lokuqinisekisa ama-classics kunye ne-antique imoto ukususela nge-1940. Eyilwe nguJames Grundy Sr., uGrundy uthi ibhizinisi lokuqala lokubhalwa komgaqo-nkqubo we-antique kunye nokuba ngabavuleli bexabiso elivunyelweneyo.
I-Grundy yinkampani yomshuwalense ekhethiweyo yeClass Car Club yaseMelika.
I-Arhente ye-Intshurensi
Isekelwe kwiSixeko saseTraverse, eMichigan, i-Hagerty Insurance iye yasungulwa malunga neminyaka engamashumi mane edlulileyo njengomkhuseli jikelele. Ukuqaphela imfuno ekhulayo yenkcazo ekhethekileyo, i-Hagerty yaqala ukubhala imigaqo-nkqubo evunyelweneyo kwii-classic boats in 1983 kunye neemoto zakudala ngo-1991.
Ukususela ngeli xesha, i-Hagerty iye yaba yinkokheli ekukhuselweni kwezithuthi zakudala kunye ne-antitique. I-Hagerty inikezela ubulungu kwiNethiwekhi ye-Hagerty Collector Network, inhlangano enama-225,000 amalungu.
I-Heacock Classic Car Collector Insurance
Enye i-insurer yenqaku ngu-Heacock Classic Car Collector Insurance. I-Heacock Classic ine-Heacock Insurance Group, i-inshorensi esebenza ngokugcwele-nkonzo eyenziwe ngo-1922 kwaye isekelwe eSebring, eFlorida. Intsapho yaseHeacock ibandakanyeke ngokukhawuleza kwiindawo zokugijima kwee-Sebring ukususela kuma-1950 kunye nasekudalweni kwe-Sportscar Vintage Racing Association kunye ne-Vintage Motorsport. I-Heacock Classic ngoku ibonwa ngokubanzi kwisizwe se-inshurensi yemoto.
Ababi
Ukongeza kuma-insurers abakhethekileyo kwi-inshurensi yemoto, kukho iinkampani ezinkulu ezibhalela imigaqo-nkqubo ye-classic kunye ne-antique kunye neminikelo yabo eqhelekileyo. I-Hartford, abalimi, i-Allstate kunye neGeico nje zimbalwa zee-majors eziya kuthi ziza kuqinisekisa i-vehicle yakho ye-antitique. Ukuba sele sele unomshuwalense kwiimoto zakho eziqhelekileyo kunye nenkampani enkulu, jonga kunye nabo ukuba ubone ukuba ngaba banikela ngemigaqo-nkqubo ye-antiques kunye ne-classics.
Unokwazi ukusindisa ngokuqinisekisa zonke izithuthi zakho phantsi kophahla olulodwa. Qinisekisa ukuba i-arhente yakho iyaziqonda ngokupheleleyo iimfuno ezizodwa zokuqinisekisa iimoto ze-antique kunye nokuba ufihliwe ngenxa yexabiso lakho elivunyelweneyo lemoto.
Umgca weyona nto: Le nkampani ye-antique yemoto yomshuwalense yinto enomgaqo-nkqubo osebenza kakuhle kuwe. Qinisekisa indlela oceba ngayo ukusebenzisa isithuthi sakho se-antitique uze uqhagamshelane neenkampani ezininzi. Okona kufuneka ukhethe, kulunge. Ukuba uqobo lwe-antitique, iimoto zakudala kunye neyevini, mhlawumbi ungoqela loluntu okanye inhlangano. Buza abanye abanikazi abanokuqinisekisa kunye nendlela amava ngayo. Akukho siphakamiso esingcono kunalo ovela kwi-word-of-mouth. Khawukhumbule ukuba xa ubeka ixesha kunye nomgudu ekuqaleni kokukhangela kwakho, uya kukwazi ukugcina imali kuma-premium akho kwaye mhlawumbi ungadakali ukuba ufanele wenze ibango.
Ngethuba nje xa wenza umsebenzi wakho wesikolo kwaye ujongane nenkampani ehloniphekileyo, uya kulungile.
Qaphela: Eli nqaku linikezelwa ngeenjongo zolwazi kuphela kwaye akufuneki ukuba lithathwe njengegunya okanye isincomo saliphi na iinkampani ezikhankanywe ngasentla.