Iintlobo ze-Intshurensi ezingenakuyimfuneko
Loo mzekelo ocacileyo, kodwa kukho amaxesha apho umngcipheko womntu uncinci kakhulu kwaye ukukhathazeka ngemiphumo yokulahlekelwa ngumngcipheko ongcono kunokuba uthenge umgaqo-nkqubo. Ngezantsi uluhlu lwemigaqo-inshorensi eninzi abantu abanakuyidinga ukuthenga ngezizathu ezahlukeneyo (izizathu zidweliswe xa zikhona):
Ininshurensi Akunakufuneka
I-Intanethi epheleleyo kunye noBambiswano kwiNtshuwalense yakho ye-Car: Oku akuyimfuneko kwiimoto ezingenanto okanye ezingenanto.
2. Ubuninzi boKhuseleko loKhuseleko lwaBantu bodwa (PIP) kwiNtshuwalense yakho yemoto: Ukuba unomgaqo-nkqubo winshuwalense enempilo, ukulimala kwakho kufuneka kufakwe. Ukuba ukhetha ukukhuselwa okuthile, vele uthenge ubuncinci.
3. I-Intshumo yomshuwalense wemoto: Ukuba unomgaqo-nkqubo ogcweleyo wokukhawuleza, jonga i-arhente yakho ukuba ubone ukuba ufihliwe. Kwakhona, jonga ngekhredithi yakho yekhadi-mboleko - inokubonelela ngokukhawuleza xa usebenzisa ikhadi xa uqesha.
4. Ukuphulwa kweMicrosoft yomshuwalense: Ukuba unayo imoto entsha okanye unomoto oqashisayo osukho phantsi kwewaranti, awudingi le nto yongezwa kwiminshuwalense yemoto yakho.
5. Uxhasano lweNdlela: Ukuba sele uhlala kwiklabhu yemoto njenge-AAA, awuyidingi le nto ifakwe yinthuwalense yemoto yakho.
6. Ubomi bomshuwalense : Ukuba ungatshatanga kwaye awunabaxhomekeke kuyo uya kufuna kuphela i-inshorensi yobomi ukuba uyayisebenzisa njengenxalenye yesicwangciso sexesha elide. Ngokomzekelo, ukuthenga ubomi obupheleleyo okanye ubomi bendalo yonke kunye nemilinganiselo ekuncinci kunokukugcina imali njengoko uza kutyalo-mali oya kuboleka ngokulula ngaphezu kwebhanki xa ixesha lifika ukuqala ishishini okanye intsapho, kwaye unako ukuzuza kwizinga eliphantsi ngokungena kumgaqo-nkqubo ngelixa unempilweni enempilo kwaye ungenayo ingxaki yokudlula ukuhlolwa kwe-inshorensi yobomi .
Ukuba ukhangele i- inshorensi yobomi beminyaka , qaphela ukuba uphelelwe ngumqeshi wakho ngeenzuzo zempilo okanye ezinye iiphakheji zenzuzo. Kodwa qaphela ukuba xa ushiya umqeshi wakho ungafumana ungena-inshurensi. Ngamanye amaxesha kunokusindisa kakhulu kwixesha elide ukuhlawula ngaphantsi kwezame kwaye ufumane inshorensi yobomi kwaye uhlawule ngendlela eyongezelelweyo ngenxa yobudala okanye imiba yonyango.
7. I- inshurensi yokuhamba : Ukuba umgaqo-nkqubo we-inshorensi yempilo ekhoyo ikukuphela kwamanye amazwe, kufuneka ufumene oko kufunyenwe kwaye ugqibe ukuba ngaba ufuna ukuwuthatha umgaqo-nkqubo owongezelelweyo. Unokufuna ukufihla umthwalo, kodwa qwalasela ukuba umgaqo-nkqubo wakho womnini unokukugubungela phantsi koxinzelelo lwakho. Ungaphinda ufune ukuqwalasela nayiphi na inzuzo yekhadi lekhredithi enokuba nayo kwaye uqhagamshelane nenkampani yakho yekhadi lesikweletu ukuba ufumane ukuba banike i-inshurensi yokuhamba ngokuzenzekelayo xa uthenge ithikithi okanye uhambo usebenzisa ikhadi le-credit card ngaphambi kokuba uchithe imali eyongezelelweyo.
Ukuba uhamba ngeenjongo zoshishino, umgaqo-nkqubo we-inshurensi yohambo lwakho awuyi kukugubungela, kufuneka uxoxe nomsebenzi wakho malunga nale ngxelo, ngoko uqaphele ukuba uthengisa icebo lokugqitha uhambo olufanelekileyo, unokuthi uchithe imali yakho.
Ukuba uhamba ixesha elide, kodwa ube nesiseko sobambiso njengengxenye yesicwangciso se-inshurensi yempilo emsebenzini, cinga ukudibanisa nomboneleli wakho we-inshurensi yempilo kwaye ufumane phezulu phezulu kwi-inshorensi yakho , oku kubiza kakhulu kunokuthenga umgaqo-nkqubo omtsha.
Zisebenzise iingenelo zabasebenzi apho unako.
Kuzo zonke iziganeko, fumana oko kufunyenwe kunye noko kungenjalo. Ngokomzekelo, ngaba umgaqo-nkqubo wakho ubhalela i-ambulensi zomoya , ngaba kukukhathalela? Emva kokuba uhlolisise iimfuno zakho kunye neendlela ozikhethayo, gqiba ukuba ufuna uncedo olongezelelweyo kwaye ukuba lufanelekile utyalo-mali.
8. Iimpawu eziqinisekisiweyo kwiimveliso: Ekugqibeleni, ezi zinokudlula ngaphezu kokuthenga umbane wendawo.
9. Inshshurensi kwiMali-mboleko yeKharityhulam ebalulekileyo: Olu hlobo lwe-inshurensi lingaba xabiso, kwaye kukho ezininzi iindlela zokuhamba phambi kokuba nayiphi na inzuzo ihlawulwe.
I-inshorensi yemboleko kunye ne- inshurensi yemali : le yinthorensi yokuzithandela kwintlawulo yakho. Umgaqo -nkqubo womshuwalense wobomi uza kuba yindlela engcono.
Ngokuphepha imigqaliselo engentla, awuyi kunciphisa umngcipheko wakho kwaye usenokufumana ilahleko kuyo nayiphi na ididi apha ngasentla, kufuneka uqikelele umngcipheko okanye usetyenzise le nshurensi njengenxalenye yesicwangciso sokuzigqiba isigqibo ukuba sakho Imeko yangoku, i-coverage ixabise ixabiso le-inshurensi.
Funda ngezinye iintlobo ze-inshorensi ongayifuni.