Kukho abanye abaqhubi abafuna ukuchongwa ngokuthe ngqo kwipolisi yakho ukwenzela ukuba ufumane ingxelo ngokugcwele. Ngubani abo bantu baxhomekeke kubini kwi-insurer yakho kunye nelizwe ohlala kuyo.
Ukongezelela, kukho abaqhubi abafanelekanga ngokukodwa kwimigaqo-nkqubo yakho. Kwiimeko ezininzi, abaqhubi abangabandakanyiyo ngabanye ozithandayo ngokuzithandela ukuba ungabandakanyi kwi-coverage. Nangona kunjalo, kukho amaxesha apho i-insurer efuna ukukhutshwa, ekhokelela kulo mbuzo: Ingaba inkampani yomshuwalense wemoto ingabakhokelela umntu okhuselekile ukuba angabandakanyi umqhubi ovela kwi-coverage?
Yintoni ngempela "umqhubi ngaphandle"?
Njengoko uchukumiswe ngasentla, umgaqo-nkqubo wakho womshuwalense womshuwalense, ngokuqhelekileyo uthetha, ulandela imoto kwaye ngoko ke ubhekisela kunoma ubani usebenzisa isithuthi sakho ngemvume yakho. Ekuqaliseni iindleko ze-premium, ke, abaqinisekisayo bafuna ukwazi ukuba ngubani oya kuqhuba imoto yakho ngokuqhelekileyo. Oku kukubandakanya (igama elibizwa nge-insured), iqabane lakho kunye nezinye izihlobo ezinomnikazi welayisenisi ezihlala phantsi kwephahla lakho. Ngoko, kwenzeka ntoni xa enye yezo zalwane ingumqhubi obi kakhulu olwaphulo-mthetho, i-DUI, izingozi okanye amabango ?
Okanye, kwimeko encomekileyo, xa umntu osendlwini yakho ekhuselwe phantsi komntu othile okanye encinci okanye endala (okanye njengabatshutshisi abacinga ngayo, abachaphazelekayo) umqhubi ovumelekileyo ohlala nawe kodwa akayi kuqhuba imoto yakho?
Kwiimeko ezininzi, unokhetho oluninzi: hlawula phezulu (ngamanye amaxesha aphezulu) kwiipalamyam, okanye ungabandakanywa ngaphandle kwipolisi yakho.
Xa ungabandakanyi umqhubi othile kwi-inshurensi yakho, uyathembisa ngokucacileyo umgcini-mpahla ukuba umqhubi angenayo imvume kwaye akayi kuvunyelwa ukuba asebenze isithuthi esiqinisekisiwe phantsi kwayo nayiphi na imeko. Kwaye ngenxa yoko, i-insured ayifanele ihlawulwe ireyithi ephakamileyo ye-premium ukuba bekufuneka ukuba ihlawulwe ukuba umqhubi akakabandakanywa kumgaqo-nkqubo.
Ngaba ndinokunyanzeliswa ukuba ndingabandakanyi umqhubi kum policy?
Impendulo ixhomekeke kwindlela ochaza ngayo "ukunyanzeliswa." Abatshutshisi abakunakukuphoqa ngokuthi "wenze isipho ongeke uyenqabe," kufana ne-movie eyaziwayo. Kananjalo, banokukwenza uzive ngathi unyanzelekile ukuba ungabandakanyeli ngokukuhlawula umlinganiselo we-premium okanye ungasongela ukukhupha umgaqo wakho ukuba awuvumelani nokukhutshwa. Iingcamango zeenkampani zilula. Abaqhubi ababi bayingozi ukuba baqiniseke, oku kuthetha ukuba banako ukuhlawula i-inshurensi ngaphezu kokuhlawula kuma-premium kwizibonelelo zokuhlawula imali. Oko, oko kukukwenza, njengomgcini-mgaqo-nkqubo, isisombululo esiphezulu sokuba bahlasele. Ngoko kubhetele kubo nje ukucima umgaqo-nkqubo wakho kunokuba uthathe umqhubi okhuselekileyo. Njengoko nabo bathi kwile movie eyaziwayo, "Akunjalo.
Kuphela ishishini. "
Yintoni endiyenzayo xa inkampani yam inshorensi ifuna ukukhutshwa?
Nangona kufuneka ube ne-inshorensi ukuqhuba imoto endleleni, siyabonga, akukho mntu ukunyanzelisa ukuba usebenzise i-inshurensi yakho ukwenza njalo-kwaye kubonga kubo, akukho myalelo ochaza ukuba kufuneka bavumele wonke umntu osendlwini yakho inshurensi yakho nkqubo. Ukwazi ukuba ii-premium zakho ze-inshurensi ziphakamileyo ngenxa yokufihla umqhubi onobungozi, unokuvuyisa ukuba ungabandakanyi kuwo kwipolisi yakho. Ngokuqhelekileyo, ukuba umntu othetha ngaye uyisondlo esiseduze, mhlawumbi iqabane okanye umntwana - umntu ofuna ukuba kwaye ufuna ukuba avumele ukuqhuba isithuthi sakho. Ngenxa yoko, ukuba umgcini wakho womshuwalense ugxininisa ekukhutshweni kwipolisi yakho, uya kufuneka ufumane esinye isisombululo.
Into yokuqala yokuzama ukuyithengisa.
Kungenxa yokuba i-insurer yakho yangoku ifuna ukukhutshwa ngaphandle akuthethi ukuba zonke ezinye ziya. Enyanisweni, kukho ithuba elihle kakhulu lokufumana ubuncinane abakulungele ukukuqinisekisa ngaphandle kokungabikho. Mhlawumbi uya kuphelisa ukuhlawula i-premium ephakamileyo, kodwa ukuba uhlala kunye ne-insurer yakho yangoku uthetha ngaphandle komntu ongazifuni ukukhuphela ngaphandle, mhlawumbi okunye okunye.