Ukucaphulwa kwe-inshurensi kukuqikelela ukuba isantya sakho sinokuba njani nomphathi womshuwalense . Iingcaphuno ziya kutshintshwa kuxhomekeka kwindlela eninzi ulwazi olunikeza ngayo ngexesha le-quote. Eyona nto ezayo ufumane ulwazi, ichaneke ngakumbi kwi-inshuwalense yakho.
01 Kuthatha ixesha elingakanani ukufumana i-inshuwalense yemoto?
Biza ummeli we- inshorensi : Unokulindela ukuchitha imizuzu emihlanu ukuya kweyishumi unike i-agent yakho ulwazi. Emva koko kubonakala ukuba i-ejenti ikubizele kwakhona ngenqaku. Ixesha lokubuyela emva liyakwazi ukuhluka ukusuka kwiyure ukuya kwiiyure eziliqela. Ifowuni yakho kufuneka ibuyiselwe ngosuku olufanayo ngaphandle kokuba ubize ngokukhawuleza emini. Inombolo yefowuni yokubuya iya kuthatha imizuzu engaphezulu kwemihlanu ukuya kweyimixhomekeke kuxhomekeke kwimibuzo emininzi enayo malunga nolwazi olunikeziweyo.
Fumana i-intanethi kwi-intanethi: imizuzu eyi-15 iyapapashwa njengoko kuthatha ixesha lokufumana i-inshurensi ukucaphula kwi-intanethi. Ngokuqinisekileyo, ixesha lihluka ngohlobo lwezakhono zekhompyutheni kwaye zingaphi izithuthi ozifuna inshurensi. Iingcaphuno ze-Intanethi zifuna ulwazi oluthe nkcukacha ngokubanzi ukuze ufumane icatshulwa elichanekileyo.
02 Zingaphi iingxelo zomshuwalense wemoto kufuneka ufumane?
Iingcaphuno ze-inshorensi ezintathu ukuya ezintlanu kufuneka zikubone kakuhle izinto ezikhoyo. Isicatshulwa esheshayo ekufumaneni izicaphulo ezininzi ngexesha elinye kukusebenzisa amanxeba azimeleyo . Ii-ojenti ezizimeleyo zithengisa i-inshurensi ngokusebenzisa abathwali be-inshurensi. Igosa le-inshorensi elizimeleyo liya kukwazi ukutshekisha nganye yabathwali bomshuwalense kwaye ikunike umlinganiselo ophezulu. Buza i-arhente ezizimeleyo naziphi iinkampani azicatshulwa ngazo ukuze ungafumani izicaphuno eziphindiweyo xa ubiza ngeenxa zonke.
Iifayili ezahlukeneyo ze-inshurensi kwi-intanethi ikunika ithuba lokufumana izicaphuno kwiinkampani ezininzi zomshuwalense. Udinga kuphela ukufaka ulwazi lwakho ngexesha elilodwa ukufumana izicaphuno ezivela kubathwali abaninzi. Ukufumana amanqaku amaninzi ngexesha elilodwa ngumsindisi omkhulu wexesha kungakhathaliseki ukuba livela kwi-arhente okanye kwi-intanethi.
03 Ukhetha njani i-inshurensi engcono kakhulu yomshuwalense?
Uninzi lwabantu lukhetha i-inshorensi engcono kakhulu eyisekelwe kwixabiso. Ezinye izinto ezinokuqwalasela ziquka indlela efanelekileyo ngayo i- arhente ekufumaneni i-quote kuwe kwaye ichaza yonke ingcaciso. Ukuba uhamba kwindlela ekhompyutheni, ungathanda njani ukufaka yonke imininingwane yakho? Ngaba uziva ukhululekile kuyo yonke igama lesi-inshorensi ?
Nje ngokuba kubalulekile ukuba ingaba isicatshulwa sinokubhengezwa okufunayo kwaye ufuna. Xa ufumana iingcaphuno kwi-inshurensi yemoto, kufuneka ukuba inkampani nganye isebenzise i-quote ngendlela efanayo. Yona yodwa indlela oza kuyayazi ukuba ngubani umphathiswa onelona xabiso elihle kuwe.
04 Kangakanani ufanele ufumane iingcaphuno zomshuwalense?
Ukufumana icatshulwa rhoqo kupapashwa rhoqo. Kodwa, ngaba ufanele ufumane kangakanani ukucaphuna iinshorensi? Kuxhomekeka ngokumalunga nobudlelwane bakho kunye ne-inshorensi yakho. Ukuba uyayithanda ummeli wakho we-inshorensi kwaye uyayithemba ngokupheleleyo ngentliziyo, mhlawumbi akufanele uthenge i-inshurensi entsha. Kukho into ekuthethwa ngayo ngenkonzo enhle.
Ngamanye amaxesha anele okwaneleyo xa kuziwa kwixabiso . Kwaye, akukho nto ongayithethayo ukuba awukwazi ukufumana inkonzo enhle kwenye indawo. Ukuba i-premium yomshuwalense wemoto iyanda ngokutsha emva kokuvuselelwa, mhlawumbi ixesha lokuqala ukubuza malunga neengxelo zomshuwalense ezintsha.
Ukubeka inombolo ebonakalayo kuyo, kufuneka uhlolisise iinyanga ezimbini ukuya kwimithathu ngaphandle kokuba kwenzeka okuthile okwenza ungahlali ujabule nomphathi wakho wangoku. Ukufumana icatshulwa kukunika ulwazi oluyidingayo ukuqinisekisa ukuba usenokwamkela ukuncintisana. Ukuba umlinganiselo wexabiso kunye neengqungquthela ezintsha zincinci kakhulu, kufuneka uzinamathele noko unakho.
I-inshurensi ye-yintengiso yezinto zentengiso yinto enye kufuneka ukhululeke kunye nomnini wemoto. Ii-inshorensi zihlala ziguquka. Ukuhlolisisa ngeengxelo ze-inshurensi yemoto kunokunokusindisa amakhulu emadola.