Unomntu oqeshwe ngokusemthethweni I-inshurensi yemoto, kodwa ngaba ufumene nge-inshurensi ye-Gap?
- Umqulu wokuqeshisa imoto ukhule ngo-91% kwiminyaka emihlanu edluleyo
- Ingxenye yesithathu yezigidi zeminyaka ezafumana izithuthi ezintsha ngo-2016, zaqeshisa isithuthi esitsha endaweni yokuthenga
- Iintlawulo zokuqeshisa zihlawulwa malunga ne-$ 120 ngaphantsi kweenyanga kuneentlawulo zemoto
- Ukuxhaswa ngemali kumthengisi kuye kwanda njengoko ukuqeshiswa kweqashiso kuye kwanda, ngokuchasene nemali engaphezulu yemali yemali okanye ukhetho lokuzimela ngokuzimeleyo.
Ngoluhlobo lwengcaciso, kucacile ukuba ukuqeshiswa kweqeshiso kuyaqhubeka kuphakama ngoko kunengqiqo ukujonga ezinye zeengxaki ze-inshurensi ezinxulumene nokuqeshisa kunye ne-inshurensi yemoto.
Luhlobo Luni Lwe-Inshorensi Ngaba Imoto Iyaqeshiswa?
Ukuqeshiswa kwe-inshurensi yemoto kunye ne-inshurensi yemoto ye-inshorensi ayikho into eyahlukileyo kunomshuwalense wemoto. Uhlobo oluphambili kwi-inshurensi kukuba iimali okanye eziqeshwe ngemoto ziya kufuneka ziqambe igama lomnini-link okanye inkampani yokuqeshisa njenge-insured.
Izivumelwano zokuqeshisa imoto kunye ne-Inshorensi
Xa ungenayo imoto yakho ngokucacileyo kwimeko yokuqeshisa, unokufuna ukucinga ngendlela onokuzikhusela ngayo kwaye uqiniseke ukuba ityala lakho lihlawulwa ngokupheleleyo kwaye izibophelelo zakho zesikontraki phantsi koqeshiso zihlanganiswe ngokupheleleyo xa kwenzeka ingozi okanye ukulahlekelwa ngokupheleleyo.
Nazi ezinye izinto ezibalulekileyo ekufuneka uziqwalasele xa ukhetha i-inshorensi yemoto eqeshwe ngemali, kuquka uhlobo lokubhengezwa olufunekayo kunye nolwazi malunga ne-Inthanethi ye-Gap.
Iingcebiso ezi-7 malunga ne-inshurensi oyifunayo xa uqeshe imoto
- Ngenxa yokuba ungenayo imoto ngokukhawuleza kwaye uqeshisa kuphela, awukwazi ukuthatha inshuwalense encinane yemoto . Kumele uqhube uhlaselo olupheleleyo lwe-inshorensi efana ne- comprehensive and collision coverage kunye nenkampani yakho yenkampani yomshuwalense wokuqeshisa i-inshurensi ye-gap ukuhlawula.
- Xa uqinisekisa imoto yakho eqeshisiweyo, kufuneka uvumele inkampani yakho yenkampani yinshurensi ukuba ngubani na inkampani yokuqeshisa. Ikampani yokuqeshisa iba ngu-insured kwipolisi kuba inomdla kwimoto kuba iqeshwe kuwe kuphela.
Ngaphambi kokuba uthenge umgaqo-nkqubo we-inshurensi ye-gap, qinisekisa ukuba i-coverage ye-gap ayifakwanga kwi-coverage enikezelwa yinkampani yokuqeshisa, umthengisi okanye inkampani yomshuwalense wokuqeshisa imoto. Unokufumana le ngcaciso kwisivumelwano sakho sokuqeshisa. Ukuba ufuna uncedo ekucingeni oku, eli nqaku linokukunceda .
- Musa ukudideka malunga ne-deductible kwi-inshurensi yemoto yakho eqeshisiweyo, i-Gap Insurance ayifuni imoto yakho.
- Khangela ukuba ukhangele ukuba ukuhlawula ixabiso lokuhlawula ihlawulelwe yi-inshurensi ye-gap.
- Musa ukulibala ukuba ungathenga i-inshurensi ye-gap emva komhla wokuqalisa uqeshiso.
- Musa ukudibanisa i-inshurensi ye-gap nge-inshorensi yokuguga kunye nentlungu (oko kukuthi, i-inshorensi ejongene nokugqoka kunye nokuphazamiseka kwesithuthi), i- inshorensi yokuphazamiseka kwemoto okanye iwaranti yakho yemoto. Akukho yale nkqubo ye-inshorensi yimigaqo-nkqubo ye-inshurensi ye-gap kwaye ayiyi kukunceda ukuba imoto yakho iphelele okanye ibiwe.
Ngaba Unayo I-Inshupheni ye-Gap kwi-Car Rental?
I-inshurensi ye-Gap yinto efanelekileyo yeemoto eziqeshwe kwezinye iimeko.
Nangona ukufumana i-inshurensi yokuqeshisa imoto evela kwi-inshurensi yomthengisi okanye i-arhente ibalulekile, i-inshurensi yakho yokuqeshisa ayifaki i-gap ekhoyo kwiimoto eziqeshwe.
Esi sithuba singenzeka ukuba uphelele imoto yakho eqeshisiweyo, ukuba ibanjwe, okanye "ilahleko elipheleleyo" kwibango. Ukuze ufunde okungakumbi ngeemoto eziqeshwe kunye nokuba ufuna i-Gap Insurance Coverage, funda iqaku lethu kwiimfuno ze- Gap Insurance kunye namalungelo akho .
Kuphi ukuthenga i-inshurensi ye-Gap
Idatha kumxhasi wemali ibonisa ukuba abantu abaninzi baqeshisa kwaye baxhaswa ngezimoto zabo eziqashisayo kwi-dealership.
Unokuba neendlela ezininzi zokufumana i-Inshurensi ye-Gap, funda ngokubanzi malunga nokuba ungathenga i-Inshurensi ye-Gap apha ukuqinisekisa ukuba ufumene intengo efanelekileyo, kunye negalelo.
Indlela i-inshurensi ye-Gap isebenza ngayo kwiCar Rental
I-inshurensi yemoto yakho iya kugubungela ixabiso lemarike elithinteleyo ngexesha lokuxabana.
Kwiimeko ezininzi, kuba iintlawulo zokuqeshisa zihlala ziphantsi kunokuba uthengisa imoto kwaye ngenxa yokuba yonke imoto emitsha iyanciphisa kakhulu kwiminyaka embalwa yokuqala, ixabiso lemarike lezithuthi eziqashiweyo liphantsi kakhulu kunento esele ihlawulwe kwisivumelwano sokuqeshisa . Oko kusithi, usuxanduva lokohluko ngokubhekiselele kwinto yenkampani yomshuwalense eya kuhlawula kwaye yintoni ehlawulwayo ngokuqeshisa: loo mali, okanye "i-gap," yintoni i-inshurensi yegap.
Indlela yokuFakraza i-Gap ye-Inthanethi ye-Gap
I-formula yokubala isithuba oza kuwufunela kwi-bhashu yomshuwalense yile ndlela elandelayo: yintoni omele uyenze kwisivumelwano sokuqeshisa (-) inkokhelo yenkampani ye-inshorensi = isabelo sakho esisoloko esinoxanduva, esingafikelela ekuhlaleni kumawaka eedola .