Intshurensi yomNxeba woMbane emva komtshato
Ukwahlukana kungaba buhlungu kakhulu emzimbeni nangokwezimali. Umsebenzi omningi uhamba ukufumana yonke into ihleli kwaye iqondiswe, kwaye inqwelo-mali yomshuwalense ayikho. Ukuqonda inkqubo yokwahlula i-inshurensi yemoto yakho kwiyakho-mlingane wakho emva komtshato ingenza kube lula kakhulu. Imithetho emithandathu isebenza ekuhlukaniseni imigaqo yomshuwalense wemoto emva kokuqhawula umtshato. Imithetho iya kusebenza kuzo zonke izibini ezibini zibhalwe njengegama eliqinisekisiwe kwi-inshurensi yemoto yomshuwalense. Ukusingatha ukwahlukana kwe-inshurensi yemoto kudla ngokuba yinye yezinyathelo zokugqibela zomtshato. Fumana olu tshintsho kwaye unethemba lokuba ungaqala ukukhangela phambili kwikamva eliqaqambileyo kungekudala.
01 Andikwazi ukususa enye ngaphandle kwemvume.
02 Yenza idilesi ezahlukileyo.
Ukuba neendawo zokuhlala ezihlukeneyo ngokuqhelekileyo kukho enye yamanyathelo okuqala kwinkqubo yomtshato. Iile dilesi ezihlukileyo ziqala ukuhlula uxanduva . Ukuba umtshato ungagqityiwe kwaye nonke nisaphila kwidilesi enye, uxanduva lusekwabelwana. Fumana amalungiselelo okuhlala ngokwahlukileyo ngaphambi kokuhlukanisa imigaqo-nkqubo yeminshuwalense yemoto.
03 Izithuthi ezihlukeneyo.
Uninzi lweenkampani zomshuwalense zifuna umntu oqinisekisayo isithuthi ukuba sibhalwe kwisihloko. Umnini-mlingani ongahlali kwindlu efanayo kufuneka abhalweliswe njengomntu ongezelelweyo . Ukuze kugcinwe izinto ezilula, ngamnye umntu kufuneka aqhube isithuthi esichazwe kuphela emva kokuqhawula umtshato. Kuyakwazi ukufumana iinkampani zomshuwalense ezingenandaba nophawu lwezithuthi, kodwa iinqwelo-nkampani eziphezulu ezikhethiweyo zifuna ukuba i-insured kuthiwa ibhalwe kwisihloko.
04 Omnye umntu uya kufuneka afumane umgaqo-nkqubo omtsha.
Kucacile ukuba, umntu uza kufuneka athole ipolisi yomshuwalense omtsha. Umgaqo-nkqubo omtsha unokuba kunye ne-inshente yenkampani yomshuwalense okanye inkampani, kodwa kusenokuba yinto elungileyo yokuqala ukuthenga i-inshurensi yemoto . Akunandaba nokuba ngubani ofumana umgaqo-nkqubo omtsha. Umntu wokuqala obizwa ngokuba ngumshurensi uhlala egcina umgaqo-nkqubo wangoku. Ukuba ikhaya libuye liqiniseke kunye nomphathisi-mnye, kunokuba lula kumntu ogcina ikhaya ukuba agcine umgaqo-nkqubo we-auto kwaye ulondoloze ngokubamba. Ukuba nguwe osemarikeni entsha yomshuwalense, kuyacaca ukuba kulungile ukuthenga ngaphambi kokuba wenze.
05 Ukuthenga umgaqo-nkqubo omtsha ngaphambi kokuba ususwe kumgaqo-nkqubo wangaphambili.
Lo mgaqo uhambelana nomgaqo wokuqala. Intshurensi entsha kufuneka ibe khona phambi kokususa zombini isithuthi kunye nomqhubi kumgaqo-nkqubo we-inshurensi yemoto. Kubalulekile bobabini abaqhubi be-insured bavuma ukuba kususwe nayiphi na umqhubi kunye nesithuthi. Ukususa omnye ongenalo ulwazi kunokunyanzelisa umntu ukuba aqhube ngaphandle kwe-inshorensi engazi. Khumbula, awuvumelekanga ukususa umntu ogqityiweyo ongenimvume ngaphandle kwemvume.
06 Tyikitye isicelo sokususa.
Ukuqinisekisa ukuba umqhubi ogunyazisiweyo unikwe imvume yokususwa, ezininzi iinkampani ze-inshorensi zifuna isicelo esisayinwe ngaphambi kokuba zisuse lowo mntu kumgaqo-nkqubo. Ngaphandle kwesicelo esisayinwe, umntu ogcina ipolisi yomgaqo-nkqubo uya kuqhubeka ehlawula umgaqo-nkqubo othayibhileyo (kwaye ihlanganisa) bobabini abashayeli. Le yilapho inokufumana inkathazo. Ukuba omnye wabantu abaqeshwe ngabasemagunyeni abakhuseliyo abasebenzisanayo, kunokuba nzima ukuhlukanisa imigaqo-nkqubo. Ngokuqhelekileyo, umntu ongasebenziyo uya kushiywa kumgaqo-nkqubo, ngelixa umntu ofuna imigaqo-nkqubo eyahlukileyo angafumana umgaqo-nkqubo omtsha kwaye asayine ifom yesicelo sokususa.
Ngokufanelekileyo, awufuni ukuhlukanisa inshuwalense yemoto ngaphambi kokuba umtshato uqeshwe. Ngokuqhelekileyo enye okanye emibini yemithetho apha ngasentla ayinyathelwanga de kube umtshato uqeshwe. Ukuba ufanele uhlule i-inshurensi yemoto ngaphambi kokuba uqhawule umtshato, qiniseka ukuba ulandele yonke imigaqo apha ngasentla. Ingxenye yesizathu sokulinda ukwahlula imigaqo kuba kuba ngamanye amaxesha imibhangqwana idibanisa. Oku kunokuba buhlungu kakhulu kwi-inshorensi xa behamba nomsebenzi wokuhlukanisa imigaqo-nkqubo ye-inshorensi yemoto ukuze bajikeleze kwaye badibanise kwakhona. Lindela de uqiniseke ukuba uqhawulo-mtshato aluphepheli ukuba lugqityiwe.