Kodwa enye yezinto ezikhohlisayo oza kufuneka ujongane nayo yi-inshurensi.
Sonke sicinga ukuba siyaqonda ukuba yintoni i-inshurensi yemoto. Ukuba ufumana ingozi kwaye imoto yakho yonakalisiwe, uyayifumanisa kwaye i-inshurensi iyayihlawula. Ukuba imoto yakho iyonke okanye ibiwe , uhlawulelwa kwixabiso lemoto kwaye ufumana enye. Kukho imibimbi embalwa, njengamabhonkco, kodwa ngenye indlela, yinto elula. Kunene?
Ngokukhawuleza. Kukho ezinye izinto ezininzi "imibimbi" engelula kakhulu kwaye, ukuba zibonisa, zinokubangela ukuba kubekho intloko enkulu. I-inshurensi ye-Gap inokukunceda, kodwa ngaba iyayixabisa?
Iyintoni i-Inshurensi yeGap?
Ewe, akunjalo, akunakwenzeka ukwazi ukuba ukuthenga i-inshurensi ye-gap kuyakufaneleka ukuba awukwazi ukuba yintoni, ngoko nantsi inkcazelo ngokukhawuleza. Sonke sivile ukuthetha, "imoto entsha ilahlekelwa isiqingatha salo xabiso ngexesha oligxothayo kwinqanaba." Ngoku, oko akukwenyani, kodwa ixabiso liye lahleka kakhulu kwixesha elifutshane kakhulu emva kokuthenga , kwaye yonke imoto entsha entsha ilahlekelwa yintengo eninzi kunyaka wokuqala.
Enyanisweni, kungakhathaliseki ukuba imoto yakho ikudala kangakanani xa uyithengayo, ndinokuqinisekisa ukuba ngaphandle kokuba imoto yeklasi okanye uthe wanyula intliziyo yakho (kunye nokubuyisela imali) kuyo, kuya kuba nexabiso eliphantsi kunokuba uhlawule ngexesha eliminyaka embalwa. Ukunciphisa kwakho.
Mhlawumbi uthabatha umboleko wemoto, uthenge imoto entsha uze uyixoshe kwiqashiso.
Ngokukhawuleza iyanciphisa ngokwaneleyo ukuba ixabiso layo lokubuyisela kwakhona liphantsi kwelokho unetyala ngalo ngamawaka angamawaka eedola. Enye inyanga emva kokuthenga, omnye umqhubi utshitshisa imoto yakho entsha kwaye uyigqibe. Ininshurensi iya kukuhlawula imali yangoku yemali (ACV) yeso sithuthi, njengoko sitshoyo, ngamawaka angama-dollar angaphantsi kunezinto oboleka ngazo mboleko. Uza kwenza njani umahluko? Yilapho i-inshurensi ye-gap ifika khona. Ininshuwalense ye-Gap ihlawula umgaqo-nkqubo ukuba umehluko phakathi kwe-ACV kunye nemali ebolekwa ngemboleko.
Kutheni uMntu wonke engekho i-Agap yomshuwalense?
Akuyena wonke umntu onokubiweyo imoto okanye ifunyenwe i-inshurensi ye-gap. Ingabanceda kuphela abo banini abaxhasa imali yokuthenga imoto yabo entsha kwaye kuphela kwithuba lexesha xa imoto yabo ixabisa ngaphantsi kwezinto abanetyala. Le yinto eyaziwa ngokuba "yongqongqo" ngemboleko. Eli xesha lingaba lincinci okanye lide lide lixhomekeka ngokuxhomekeke kwisinye okanye ngaphezulu kwezi zinto zilandelayo:
- Yenza kunye nemodeli yemoto ethengiweyo : Zonke iinqwelo ezintsha zinciphisa kakhulu kwiinyanga ezimbalwa zokuqala emva kokuthenga, kodwa ezinye zihlawule ngokukhawuleza kunabanye.
- Imali mboleko yesikhathi eside : Xa uthabatha umboleko wesikhwama semali engaphezulu kweenyanga ezingama-36 , ukuhlawulwa kwakho kwemali mboleko yenyanga kuya kuphantsi, kodwa uya kuhlawula ixesha elide ngexesha elide, kwaye kuya kuba nexesha elide xa i-ACV yakho imoto. kuya kuba ngaphantsi koko ufunwa ngemali mboleko.
- Ukubeka imali encinci okanye kungabi namali phantsi, kunye / okanye ukuboleka ngaphezu kwexabiso lokuthenga : Unetyala elingaphezulu eliya phambili, ixesha elide "liya kuba khona.
Yiyiphi Indleko ye-Intanethi ye-Gap kwaye iyabaluleka?
Into enye abantu abaninzi abafuni ukuyiva malunga nokuzenzelela ngokuzithandela kwiindleko zokuthenga imoto entsha ngokubonisa ukuba uhlobo lwe-inshorensi luya kuba luhle ukuthenga. Ngenhlanhla, i-inshurensi ye-gap yinto ephantsi kakhulu. I-premium yesikhokhelo se-inshurensi ye-gap ibalwa ngokusekelwe kwintsebenziswano kunye neeprayimari ezipheleleyo zokukhawuleza kumgaqo-nkqubo kwaye iqhuba malunga neeklasi ezintandathu ukuya kweyesithandathu zeendleko. Ngoko, masithathe inkokhelo ye-premium yonyaka ye-$ 1,500, umzekelo. Icandelo elibanzi kunye nelokudibana naloo mali lilinganiselwa kuma-30% ukuya ku-40% okanye kwi-450 ukuya kuma-600 ayi-600. Iingingqi ezintlanu ukuya kweyesithandathu zithetha ukuba iyonke iphakathi kwe-$ 22.50 neyama-36 eyongezelelweyo indleko kwi-premium yakho ye-inshurensi ye-gap, kwaye leyo yonyaka opheleleyo.
Khumbula ezinye izinto ezimbini. Okokuqala, njengoko isithuthi sakho sinciphisa, iindleko zokugqithisa kwakho okubanzi kunye nokudibanisa ziya kuncipha, kwaye ke kuya kuba neendleko zokukhawulwa kwegap. Kwaye okwesibini, xa usifikile kule ngongoma xa ungasenayo imali ngakumbi kwizithuthi zakho ngaphezu kwe ACV yalo yangoku, awuyi kuphinda ufumane i-gap coverage kwaye ungayikhansela.
Kutheni i-Gap inshurensi ixabiso kangaka?
I-Gaap coverage ayithengi kakhulu kuba amabango ambalwa ayenziwe ngokuchasene nomgaqo we-gap, kwaye ehlisa iindleko ze-premium kuwe nabanye abantu.
Ngoko, ingabe i-inshurensi ye-gap iyifanele? Oko kukuthi uthathe isigqibo. Kodwa ukuba uthengisa imoto entsha kwaye ungenayo imali eninzi ehleli ejikelezileyo ngelixa umbolekisi wakho uphelelwe phantsi, kufuneka uqiniseke ukuba unike i-inshurensi ye-gap ingcinga enzulu.