1. Kuza Kudala Kangakanani Ungekho Imoto?
Umbuzo obaluleke kakhulu.
Ukuba uphakathi kweemoto ngexeshana nje, kufuneka uqiniseke ngokuqinisekileyo ukuba i-inshurensi yemoto yakho ihambelane. Uninzi lwamazwe lubamba abaqhubi ukuba bahambe ngaphandle kwe-inshurensi yemoto nokuba naluphi ubude bexesha. Oko kuthetha ukuba, xa uya kuthenga intengiso yomshuwalense kwakhona, uya kuba ngumngcipheko omkhulu. Ukuhlawula isantya esiphezulu ngenxa yokuba awunayo umgaqo osebenzayo.
2. Ngaba unako ukufakwa njengomqhubi kumgaqo-nkqubo womntu kwindlu yakho?
Enye enye idibaniswa njengomqhubi kwenye umgaqo-nkqubo, ngokuqhelekileyo, umntu ohlala kwindlu yakho. Ukongezwa njengomqhubi ngokuqhelekileyo kungabizi kakhulu. IiRhafu ziyakhuphuka ngokuxhomekeka kwirekhodi yakho yokuqhuba kunye nezinye izinto zokulinganisela. Kuya kugcina isimo sakho se-insured sisebenza, ngoko awuyi kuthathwa njengengozi enkulu xa ugqiba ukuqinisekisa esinye isithuthi.
3. Ngaba Unokunciphisa Umyinge endaweni yokuCima?
Ayikwazi ukwenza iintlawulo zakho? Ingaba umboleki wakho ufuna ukuba uqhube ngokugcwele?
Ndiye ndazibona ezininzi. Umntu akanako ukuhlawula imali ye-inshurensi yemoto. Umboleki wabo ufuna ukufihla ngokupheleleyo. Esikhundleni sokunciphisa ukukhutshwa, bavumela ukuba umgaqo-nkqubo unqande. Ngaba ukuyeka ukugqithisa kunye nokudibanisa kwenza ukuba umnini-mboleko wakho athukuthele? Ewe. Ngaba baya kuthatha umgaqo-nkqubo egameni lakho kwaye bakuthumele i-bill?
Mhlawumbi. Kodwa, kunokukunika ixesha elongezelelweyo. Ngaphezulu, uya kugqitywa ngenxa yexanduva kunye nonyango ngokuxhomekeke kwenkcazo ekhethiweyo. Into endizama ukuyithetha yintoni na umntu ocinga ukuba bangcono ekukhutsheni ivesi lepolisi eliphela nje ukuyeka ukulimala komzimba? Umboleki uya kuphendula ngendlela efanayo, kodwa uya kuhlawula inani eliphezulu xa ukhansela ipolisi yakho ngokubanzi. Enye into yokugqibela kukuphakamisa i-deductible ngokubanzi kunye nokudibanisa ukuya kwizinga eliphezulu elivunyelwe. Londoloza imali kwaye ugcine enye ingxelo.
4. Ngaba Unayo Umgaqo-nkqubo weNqwelo kaNtshuwalense weNqwelo yemoto kwindawo?
Ukutshintsha i-inshurensi yemoto kuyadingeka ukuba kufikelelwe ixesha ngokufanelekileyo. Okona kubaluleke ukuba umgaqo-nkqubo omtsha kufuneka usebenze ngaphambi kokuba ukhansele umgaqo wakho omdala. Kufuneka uqiniseke kwakhona ukuba ucele ukukhanselwa kwi-inshurensi yakho yangaphambili ngaphambi kokuvumela ukuba ikhansele ngokungenzi inkokhelo. Akunjalo kuphela imbeko, kodwa iya kugcina ilahleko kunye nexesha lobabalo, ukubuyiselwa kwembuyekezo, kunye neempendulo ezongezelelweyo.
5. Izigwebo zokuqhuba ngaphandle kweNqwelo-mali ka-Inqwelo
Ukucinga ngokuqhuba imoto yakho kungaqinisekanga? Ndiqinisekile ukuba uye wadlula ingqondo yabantu abaninzi ukuba bazame ukugcina imali ethile. I-inshurensi ibhekwa njengento engabalulekanga kuba kukho "ithuba" onokuthi ungayisebenzisi nhlobo.
Ingxaki kukuba, akuyona into esinokuyichaza. Ngokuqinisekileyo ukuqhuba ukuqhutyelwa kweenqwelo ezingaqinisekanga kuya kuhlawula ixabiso elininzi ngaphezu kweendleko zomgaqo-nkqubo. Ukubanjwa ngokunyanzeliswa komthetho kunokukuhlawula ikhulu leeedola kwaye kuya kufuneka usithenge i-inshurensi yemoto phezu kwayo. Ukubanjwa ngengozi ngaphandle kwomshuwalense wemoto kunokuhlawula yonke into. Unokuthi uya kubanjelwa ubopheleleko kubo bonke umonakalo kwaye unokukhubazeka ngokwezemali.
Ezinye iindlela zokuCima i-Intshurensi yakho