Ingaba Inqwelo-mali Yomshuwalense Ikhuphe Ukulimala Kwemvula?

Imoto ibonakaliswe ngumoya ophezulu

Iingqungquthela zingabonakalisa ngokukhethekileyo kwaye zibulale ngenxa yokungabi nxamnye nesilumkiso. Ngenhlanhla, umonakalo kwimoto yakho ebangelwa ngqabunga inokubanjelwa yinshurensi yakho yemoto kuxhomekeke kwincwadi ekhethiweyo kwi-inshorensi yakho. Ukwazi ukuba umgaqo-nkqubo wakho womshuwalense wemoto ushicilela phambi kweentlekele eziza kukunika uxolo lwengqondo ngomonakalo ozayo.

Ziziphi iindawo zokuqhaqhazela kunye neNdawo ephezulu yeMoto?

Naluphina uhlobo lomonakalo omoya, kungakhathaliseki ukuba luvela emoyeni oqinileyo okanye ngqabunga, lugqitywe ngumgaqo-nkqubo wakho womshuwalense wenkampani phantsi kwengxelo epheleleyo.

Umonakalo obonakalayo uquka ukuhamba kweenqwelo okanye ukuqhuma kweenqwelo ezinqwelisayo kwisithuthi sakho ngenxa yomoya ophezulu. Nangona umoya uthatha imoto yakho evulekile kwaye uyaphula i-hinge, ukukhutshwa okubanzi kuya kukunceda ukufumana isithuthi sakho silungiswe.

Ngaba i- Deductible Apply?

Ukuba ukhethe i-deductible kwi- coverage yakho epheleleyo , kuya kufuneka uyihlawule ukuze ulungise imoto yakho. Izidumbu zokunciphisa izindleko zinciphisa iindleko zomshuwalense wakho kodwa zifuna ukuhlawulwa xa unabango. Iinkampani ze-inshurensi ezithintelayo xa umonakalo "uMthetho kaThixo" awunyani. Yonke inxulumene nendlela oyibeka ngayo ekuqaleni ukuhamba kweso sithuthi.

Uyifumana njani ukuba Unomxholo opheleleyo?

Ngamanye amaxesha ngokukodwa emva kwentlekele ephazamisayo njengengqungquthela, awukwazi ukukhumbula okokuthengwa kwakho. Hlola ezi ndawo ezine ukucacisa ukuba yeyiphi inqaku elikuyo kwi-vehicle yakho eyonakalisiweyo.

• Ikhasi lesibhengezo : Fumana iphepha lakho lokubhengezwa ukuba unako. Enye ithunyelwe okanye ithunyelwa nge-imeyile kuyo yonke into yokuvuselela. Ezinye iinkqubo zivuselela minyaka yonke ngelixa ezinye zivuselela zonke iinyanga ezintandathu. Khangela imoto yakho yokulimala ukuba ibhalweliswe ngokubanzi okanye ngaphandle kokudibana ukuze uqinisekise ukuba uphelelwe. Uyakukwazi kwakhona ukubona oko kuchithwe khona ukulungiselela.

• Jonga iPolisi Yakho Kwi-Intanethi: Iinkampani ezininzi ze-inshorensi ifumaneka kwi-intanethi yakho. Uza kufuna ngaphezu kwenani lakho lomgaqo-nkqubo. Fumana inombolo yakho yomgaqo-nkqubo ngobungqina bakho bomshuwalense, okufuneka ukuba ube kwimoto yakho ngamaxesha onke.
• Shayela ummeli wakho we-inshurensi : i- arhente yakho iyisisombululo esheshayo kunye nolwazi. Ifowuni kwaye ubuze ukuba ufunyanwe ukulahlekelwa phambi kokufaka ibango. Emva kwentlekele enkulu yenkqantosi, zonke i-inshurensi kunye nabathwali bendawo baxakekile. Nangona kunjalo, ukubheka phezulu kwenkcazo yakho kuya kuthatha kuphela imizuzu, ngokude nje ukuba i-arhente yakho inombane, kunye kunye nokuba ufunyenwe i-arhente yakho iya kunceda ukukufaka ifowuni.
• Faka umnxeba weNkonzo kaMthengi weNkonzo kaMthengi: Ingaba uthetha kummeli wenkonzo yabathengi okanye ummeli wamabango kufuneka akwazi ukukwazisa ukuba yeyiphi inqaku elibhalwe kumgaqo-nkqubo wakho. Cela ukuba udluliselwe kummeli ummeli ukuba unemali efanelekileyo yokufakela ibango.