Ukuba uyazi ukuba ngubani owonakalise imoto yakho epakiweyo, unokufakela umonakalo wepropati yesibheno malunga ne-insurer. Inkokhelo yomonakalo wepropati ihlawula kwi- inshorensi yomqhubi we- inshorensi. Inxalenye engcono malunga nokufakela umonakalo wepropati kumgaqo womntu omnye kukuba awuyi kuhlawula i- deductible kwaye ixabiso lakho le-inshorensi ayiyi kuba nefuthe. Ngaphezulu, uvumelekile ukuba ufumane imoto yokuqeshisa ngelixa isithuthi sakho silungiswa.
Ukuba unobungozi bokudibanisa, umonakalo uya kuhlanganiswa xa ungazi ngubani oshayela imoto yakho. Umgaqo-nkqubo wakho uza kubhalela ukulungiswa kwisithuthi sakho, nje kuphela xa uhamba kunye nokuhlawula imali yakho. Ukuba awukwazi ukuba ngubani owonakele kwisithuthi sakho ngelixa uhleli kwaye ungenayo ukukhawulelana , awuyi kuba ncediswa yinthorensi xa kuziwa ekulungiseni imoto yakho.
Ukukhusela imoto yakho ngelixa ipapashwe
Abantu abaninzi bagcina isithuthi sabo ngobusuku, ngexesha lomsebenzi, okanye ixesha elide.
Xa ushiya imoto yakho engagqithwanga iyakuthi ikhuseleke, kukho iinketho ezingenakucingcipheko apho ungashiya imoto yakho. Ukupaka isithuthi sakho kwigaraji lakho okanye iqela lokuthengisa kunye nomgcini wokhuseleko okanye i-valet yinto ehlukileyo kakhulu kunokupaka imoto yakho kwisitolo sokutya kwindawo yokupaka okanye ngasecaleni kwendlela.
Uninzi oluninzi lunokuthi lwenzeke kwisithuthi sakho ngelixa ligcinwe kwigaraji lakho. Inqwelo yomshuwalense wemoto inikwe isithuthi esilondolozwe kwikhaya lakho okanye kwindawo yokugcina ngokubanzi . Ngethemba, isithuthi sakho asengozini yokubethelwa kwesinye isithuthi ngelixa ugcinwe ekunyamekeleni kwakho. Ngokubanzi kuza kubandakanya zonke izinto ezinobungozi.
- Imoto ebiwe
- Umlilo weMoto
- Ukulimala kwamanzi
- Umkhukula
Ukuba uceba ukubeka imoto yakho kwixesha elide lokugcinwa, ukukhutshwa okubanzi kuninzi kunikezelwa njengomgaqo-nkqubo wokuzimela ngokukhawuleza nje ukuba isithuthi sesibini sithweswe ukuxhaswa kwemfanelo. Amalungiselelo akhethekileyo maxa wambi angenziwa ukubeka esinye isithuthi ekugcinweni ngaphandle kwesinye isithuthi kumgaqo-nkqubo, nangona kunjalo, kuya kuxhomekeka kwi- inshurensi . I-deductible yakho iya kusebenza xa unayo ibango elibanzi .
Iingxelo ze-Insurance Car Car Park okanye i-Comprehensive Only Coverage
- Ikhusela isithuthi sakho malunga nokulimala komzimba ngelixa limile.
- Ikusindisa imali ngokunciphisa iindleko zakho zonke ze-inshurensi.
- Ubungakanani bunokutshintshwa lula ukuze wenze imoto yakho yomthetho iqhube kwakhona.
I-Cons Cons of Cared Car Insurance okanye i-Comprehensive Only Coverage
- Akukhuseli imoto yakho epakiweyo kumonakalo kwi-hit and run accident.
- Unokulibala ukutshintshela i-cover yakho ngaphambi kokuba uqhube isithuthi sakho kwakhona.
- Ukuba unomboleko kwisithuthi sakho, unokufumana imvume evela kwibhankini yakho ukubeka ingxelo epheleleyo kwisithuthi.
Njengoko ubona, ukupakishwa kwe- inshurensi yemoto kunokubhekisela kwiindidi ezahlukeneyo zokunikwa. Ukuba kubalulekile kuwe ukukhusela isithuthi sakho ngelixa limile, qiniseka ukuba uthenge i-couverture efanelekileyo kwimeko yakho. Indlela kuphela yokukhusela ngokupheleleyo isithuthi sakho kukuthenga zombini kunye nokudibana . Kuphela ke, uya kuqonda ukuba isithuthi sakho sikhuselwe kuyo yonke imeko yengozi yomzimba.