Kutheni Kutheni Inqwelo Yami Yomshuwalense Yenyuka? Indlela-UkuLawula nokufumana iAphulelo

Isikhokelo esipheleleyo sokuqonda iiMali zomshuwalense we-Auto

Kubaqhubi abalungileyo, akukho nto ikhungathekileyo kunokuba uvuselele i-inshorensi yemoto kwaye ubone ixabiso likhuphuka xa ungenayo ibango. Umbuzo wokuqala ozayo engqondweni,

"Kutheni i-inshurensi yam yomshuwalense iphakanyisiwe? Andizange ndibe namabango kwaye imoto yam ikhulile!"

Kukho iiseti ezimbini zezinto ezingenza intengo yomshuwalense wemoto yakho yanda. Ukwazi ukuba yintoni eyenza inqwelo-yomshuwalense yemoto enyuke kwixabiso xa ungenayo ibango lingakunceda ugcine imali.

Xa uqonda izinto, ngoko uhlala kwindawo engcono yokuxoxisana nexabiso kwaye ufumane inkampani yomshuwalense eya kukunika iindleko eziphantsi. Ungaphinda ufune ukufunda inqaku lethu kwiimoto ezincinci kakhulu ukuqinisekisa ukuba uceba ukuthenga imoto entsha kwaye uzibuze ukuba yintoni indleko ephakathi kwe-inshurensi yemoto eya kuba.

INkampani Yomshuwalense Ibeka Njani Ixabiso?

Iseti yokuqala yezinto ezichaphazela izinga lakho le-inshurensi yemoto libhekiselele kwizinto ezixhomekeke ngokupheleleyo kwiimeko zakho, izinto eziphantsi kolawulo lwakho.

Izinto ezili-10 ezingenza iindleko zeNqwelo-mali yakho yokuvuselela i-inshurensi iya phezulu

1. Imbali yakho yebango kunye nerekhodi yokuqhuba
2. Imbali yezigwebo okanye ukuphulwa kwezinto zokuqhuba ukuqhubela phambili ukuqhubela phambili
3. Shintsha idilesi, ukubeka endaweni entsha engabiza ngokwemali yomshuwalense
4. Abaqhubi abatsha bongezwe kumgaqo-nkqubo okanye utshintsho lwabaqhubi abaziintloko bezithuthi ezahlukeneyo kumgaqo-nkqubo

1. Ukukhanselwa komgaqo-nkqubo, okanye omnye umgaqo-nkqubo obangela ukuba ulahlekelwe isaphulelo sokuba nomgaqo-nkqubo omnye kunye nomshuwalense ofanayo.
2. Ukususwa kwesithuthi kwimigaqo-nkqubo. Ngamanye amaxesha ufumana izaphulelo zokuqinisekisa i-car engaphezulu kweyodwa. Ukuba ususa imoto yakho yesibini, intengo ye-inshurensi kwimoto yokuqala ingakhuphuka .

1. Utshintsho lwengqesho. Unokulahlekelwa isaphulelo seqela, isaphulelo sobuchwepheshe, okanye mhlawumbi ube nomgama ukwenza umsebenzi utshintsho, ukwenza isantya sakho senyuke.
2. Izimo zonyango ezandisa ingozi yakho, okanye izithintelo ezibangela ukuhlaziywa kwe-inshorensi yengozi enkulu ngenxa yeenkohlakalo ezifana neendleko zokushayela
3. I mpazamo. Ewe, iinkampani zomshuwalense ngamanye amaxesha zingenza iimpazamo. Ungalokothi ucinge ukuba izinga ofumene ngalo lizinga elifanelekileyo okanye ukuba lichanekile. Kukho iziphene zekhomputha kunye nezomntu ezinokuthi zenzeke, ngoko kuya kufuneka ukuba uhlaziye iimeko malunga nommeli wakho xa unokungabaza.
4. Utshintsho kwiirhafu zesicwangciso sokuhlawula okanye isakhiwo kwisicwangciso sakho se-inshurensi. Ngamanye amaxesha iinkampani ze-inshorensi ziguqula iirhafu zenkxaso-mali okanye zongeza iintlawulo zesevisi ezingenakuqaphela. Khangela iinketho zakho zokuhlawula kwaye qinisekisa ukuba ukhetha enye ehambelana nezidingo zakho. Ezinye iinkampani zinikela ngezimali zorhwebo, kwaye abanye banokuhlawula i-5% okanye ngaphezulu. Oku kunokuchaphazela indleko yomshuwalense wonyaka wonyaka.

Isethi sesibini yezinto zihambelana nemoto yakho kunye nenkampani yomshuwalense: izinto "ngaphaya kolawulo lwakho".

Nazi ezinye zezinto ezenza i-inshurensi yemoto iphezulu.

Siza kuphonononga onke amathuba ukuba ube kwindawo efanelekileyo yokwenza izigqibo ukuqala ukugcina imali engaphezulu kwi-inshurensi yakho kwaye ufumane ingqiqo epheleleyo yempembelelo yakho yomshuwalense womshuwalense kunye nokuba kutheni.

Inkampani Yakho Yomshuwalense kunye noMmeli Ongenza Umehluko

Kwimeko nayiphi na imeko, yonke i-inshurensi ihluke ngokuthe ngcembe kwindlela ekubona ngayo ingozi, oko kuthetha ukuba ngokusekelwe kwiimeko ezithile, apho inkampani yomshuwalense inokubonelela ngexabiso elithile, enye ingenakho. Ukuqonda iingxaki zendlela umrhumo wakho we-inshorensi oza kuqulunqwa ngayo kuya kukunceda ufumane uninzi kwinkampani yakho yinshuwalense.

• Qinisekisa ukuba ufumana inkampani yomshuwalense wemoto eninika izibonelelo ezintle kwiimfuno zakho.
• Ukuba ujongene neNkampani yomshuwalense ngqo , okanye unommeli womshuwalense othunjiweyo, unokugqiba isigqibo sokuba eli lixesha elifanelekileyo lokufuna isiluleko se- Agent Independent okanye umthengisi onokuzijonga iinkampani ezininzi ukuba ufumane ixabiso elifanelekileyo.
• Nangona kukho izihlandlo ezinamandla zokuhlala kunye nenkampani yomshuwalense, njengokuthembeka kwezaphulelo kunye neenzuzo, ukugqithisa kweemeko utshintshe kwaye ungagcina imali kwaye ufumane inzuzo xa utshintshela kwinkampani entsha yinshuwalense .

Yintoni Enokwenza Imali Yomshuwalense WeeNqwelo-mali Ukwandisa (Nangona Xa Imoto iyindala?

Inkampani ye-inshurensi ihlanganisa izinto ezininzi kwi-inshurensi yemoto yakho echaphazela ixabiso:

• Isithuthi sonke
• Iziqendu zesithuthi
• Lwakho uxanduva

Xa isithuthi sithobela omnye umnyaka, esinye sezi zinto sitshintsha ukuba awunayo ibango: ixabiso lezithuthi zonke. Ezinye izinto ezimbini zihlala zilingana, okanye zinokunyuka kwiindleko.

"Yonke into yahlala yinto efanayo, ndingenayo iimangalo, Kutheni ixabiso lam Inqwelo-mali yam Inqwelo yomshuwalense iqhubekile?"

Ukuba ucinga ukuba yonke into iyahlala yinto enye, kutheni ixabiso liya kukhula? Kukho izinto zangaphandle ezichaphazela i-inshurensi yakho nganye kwiinkcazo zomgaqo-nkqubo wakho. Unokubuza ummeli wakho we-inshorensi ukuba yiyiphi inxalenye yomshuwalense okwandisiwe ukuba ube nolwazi oluthile lweemeko zakho.

Cela ukuthelekiswa kweendleko ezivela kwi- premium yonyaka odlulileyo kwiindleko zonyaka:

• Uxanduva (ukulimala komzimba, umonakalo wepropati, njll)
• Ulwalamano (ngokuqhelekileyo luchaphazelekayo ngamabango)
• Epheleleyo (Umlilo, ukweba, ukuchithwa komhlaba, njll)
• Ukuvunyelwa

Ngokubanzi, nakhu iziganeko ezingaphaya kolawulo lwakho ezingakwenyusa i-premium yakho.

Iimveliso zangaphandle ezichaphazela ixabiso le-Inqwelo yomshuwalense weeNqwelo kunye noMeyi unokubangela ukuba ixabiso lihambe

• Amabango okuxanduva ahlawulwe yinkampani yomshuwalense yonke umthamo wabathengi abaqinisekisayo banokuchaphazela iirhafu zabo ngokubanzi. Ukuba unyaka odlulileyo ubonise ukunyuka ngokukhawuleza kwimali abaye bahlawula kumabango kunye neendleko zokukhusela njengenxalenye yale ngxelo, inkampani yomshuwalense ingenza utshintsho lwezinga. Oku kuphele ngaphaya kolawulo lwakho.
• Ulungelelwano, ama-vandalism, okanye iimfuno ezongeziweyo kwindawo yakho. Ngamanye amaxesha ngenxa yokutshintsha kwimizila yezithuthi, iipatheni zemozulu, okanye ukuba iindawo zihlala zikhululekile ngaphezu kwexesha, okanye iindidi zezinye izinto, indawo iya kuqala ukufumana ibango elongezelelweyo. Xa inkampani yomshuwalense iqala ukuphawula le ipatheni kwindawo leyo, ingahlawulela ireyithi ngokufanelekileyo.
• Ukwenyuka kwemilinganiselo yebabi bemoto kwindawo okanye kwindawo, okanye imoto yakho ngokukodwa. Indlela yokuchonga ukuba ihambelana nemoto yakho ethile ukucela i-arhente ukuba iqela lakho lezithuthi liye landa kunyaka ophelileyo, kwaye ufumane ingqiqo yalo mbandela. Ukuba le ngxaki kwimoto yakho, unokuqwalasela ukuba kuya kuba yinzuzo kuwe ukuba ungeze izixhobo zokulwa nokutshintshwa okanye ukuqoshwa kwezithuthi uze ufumane isaphulelo sokucutha ukwanda. Ukuqeshiswa kweemoto kuthintela zombini iimoto ezintsha kunye neemali kunye naso sonke ixesha iingxelo zonyaka zezithuthi ezibiwe zivela, iinkampani zomshuwalense ziyaqinisekiswa ukuba ziyakuthi ziqhathanise, kunye nokuthelekisa oku kumava abo alahlekelweyo okanye amabango ahlawulwe ngohlobo lwenqwelo.

Kutheni Umntu Waba I-Car Old?

• Ukuba iinxalenye zeemoto zakho ziba nzima ukufumana kwiimarike, kwaye uhlobo lwakho lwemoto luyimodeli ethandwayo ngenxa yokunyaniseka kwayo, ubuqhopho bezithuthi zakho bunokunyuka, oko kuqhuba ixabiso le-inshurensi, nangona imoto yakho ikhulile kwaye awunayo ibango. Ungaqwalasela uLuhlu lweZithuthi ezili-10 ezininzi ezibiweyo e-US kunye neenqwelo eziphezulu ezibiweyo eCanada ukufumana ingcamango. Ezinye zeemoto eziluhlu zingamangalisa.

Ukungaxhomeki kwixabiso lexabiso kwiNtshurensi

Izinto ziba nzima nakakhulu xa uthenge i-inshorensi yemoto kuyo yonke imoto eyeke ukuhlaziywa njenge-GAP Insurance okanye i-Replacement Value. Ininzi yemigaqo-nkqubo yemoto ihlawula ibango ngokusekelwe kwindleko yemoto ngexesha lokulahleka, kodwa ezinye iingxelo ezikhethiweyo zingakunika ilungelo lokubuyisela okanye ukulungiswa kwexabiso elivunyelweneyo.

Isibambiso esivumelwaneni asiqhelekanga kwiimoto eziqhelekileyo, kodwa kwiimoto eziphakamileyo eziphezulu, izixhobo zokuqala okanye izinto eziqokelelweyo, oku kungaba ngumsebenzi wokuzikhethela owenziwe ngabantu. Kuzo zonke iimeko, nokuba ixabiso lezithuthi liye litshintshe, isivumelwano sakho se-inshorensi sisenza ixabiso elipheleleyo.

Ingaba Iindleko ze-GAP Insurance yandisa ukuvuselelwa?

Ezinye iinkampani zichonga umlinganiselo weplateshi ye- GAP okanye ungayifaka kwixabiso lekota. Njengoko imoto yakho ikhula, inani lemali efunyenwe yi-GAP Insurance yakho iyatshintsha. Ukuba awuzange uhlawule ixabiso lentlawulo ye-inshurensi yakho ye-GAP, ngoko ixabiso le-inshurensi linokunyuka kunyaka emva konyaka, oku kuyahluka phakathi kweenkampani ezahlukeneyo ze-GAP, ke qiniseka kwaye khangela ukuba le meko iyasebenza kuwe.

Soloko ufumanisa iindleko ze- GAP Insurance yakho kwaye ubone ukuba uyayidinga ngempela .

Njengoko uqala ukuhlawula umboleko wakho wemoto, i-gap iya kulahlaka, awuyi kuphinda uyifune.

Ungabona kwakhona ukuba unokufumana ixabiso elingcono kwi-inshurensi ye-GAP ukugcina imali ngokujonga ababoneleli abahlukeneyo be-Gap Coverage ngaphambi kokuba uthenge.

Ukubalwa kweMboleko kunye neNkampani yeNkampani ye-Inshorensi ibhalwe kwii-Premium Calculations

• Amanqaku okuthenga ngetyala okanye utshintsho lokubhala phantsi. Ngamanye amaxesha amanqaku amatsha afakwa kwiibalo zee-inshorensi. Ukuba ifayile yakho ayihlaziywa ukufaka zonke izaphulelo ezintsha okanye iinkqubo eziye zaziswa ukususela ekuhlaziyweni kwakho kokugqibela, unokuphela ukubona ukunyuka okungekho mfuneko yokuba unayo. Omnye umzekelo weMboleko yeMboleko, engasetyenziswa kunye neenkampani zomshuwalense, nangona kungabikho bonke abavumelekileyo ukuvumela ukusetyenziswa kwezikolo ezixhaswe ngetyala. Amanye amatyala, kuquka ukugunyazwa kwemali-mboleko, vumela iirhafu ezikhethiweyo, nokuba ngaba umlinganiselo wakho wekhredithi awulungile. Kwezinye iimeko, ukwehla kwinqanaba lesikweletu kunokuchaphazela izinga lakho. Ufuna uqiniseke kwaye ubuze ummeleli wakho malunga nokuba inkampani yakho yomshuwalense isebenzisa amanqaku okuthenga ngetyala kwiirhafu zawo, kwaye iya kuthinta njani ixabiso lakho. Ukuba umlinganiselo wakho wekhredithi uchaphazela kakhulu umlinganiselo wakho, unokufuna ukuba i-arhente yakho iqinisekise ukuba oku kuchanekileyo, okanye ufumane enye inkampani yomshuwalense eya kunika inzuzo engcono kwimeko yakho.
• Ukunyuka kwezinga lokubhala phantsi . Esi sizathu esona sizathu sobhenksi sakho ukuba sikhuphuke, ukuba inkampani yomshuwalense ifumana ilahleko ezipheleleyo ezigqithiseleyo ezilindelweyo, okanye ukuba abazange bahlaziye iirhafu zabo kwiminyaka embalwa, ngamanye amaxesha baya kwandisa amaxabiso abo kwibhodi ukuze bahlale benenzuzo . Kwiimeko ezinjengeli, ngamanye amaxesha kulungile ukufumana iingcaphuno kunye nezinye iinkampani ukujonga ukuba izinga le-inshurensi yemoto unayo likhuphisana.

Ukungena kwiNkqubo yeNgcaciso yokuSindisa iAshurensi yokuNciphisa iNqanaba lakho lokuvuselela

• Ukungazisebenzisi iinkqubo ezintsha ezijoliswe ekunciphiseni iindleko ezipheleleyo kunye ne-insurer yakho yintsimbiso enkulu yabantu ekugqibeleni ixabise imali eninzi. Omnye umzekelo i -Insured Car Based Based Insurance . Ngamanye amaxesha xa iinkqubo ezintsha zenziwa, inkampani yomshuwalense ingenza utshintsho lwamaxabiso kuthathelwa ingqalelo ukuba iprofayili yabo yomthengi iya kuphuma kwinkqubo entsha. Ukungazisebenzisi kwezi zikhetho kunokuchaphazela ukulinganiswa kwakho. Njalo ubuze i-arhente yakho ukuba kukho naziphi na iingeniso ezintsha okanye iinkqubo zakho i-insurer iye yazisa kwaye iyaqhubeka neentlawulo ezikhethiweyo.

Indlela Ummeli Wakho Umshuwalense okanye uMthengisi Angakunceda Unciphisa Ixabiso Lomshuwalense Wakho Imoto

Ngokuqhelekileyo ukudibanisa izinto ezibangela ukunyuka kwamazinga eminshuwalense yemoto. Xa kukho ukunyuka kwezinga eliqhelekileyo, abameli be-inshorensi bahlala beyazi ngenxa yokuba banenzuzo yokubona iirhafu zabo zonke izivuselelo zabo kwaye baya kuba nokuqonda kwinto eyenzekayo kwishishini.

Kulula ukuvavanya kwaye ufumanise ngqo apho impembelelo inokuchaphazela ngokubuza imibuzo yakho ye-arhente malunga nokuba ukhuphuka luvela phi. Ukuba abaqinisekanga, unokubanceda bavavanye iingcamango ngokubongoza ukuba bacaphune enye imoto endaweni yakho - ukuba ucinga ukuba imoto yakho.

Ukuba ucinga ukuba malunga nommandla ohlala kuwo, unokuvavanya ngokucaphula utshintsho kwi-zip code ukuze ubone. Ukuba zonke ezinye izinto zihlala zifana, kwaye ixabiso litshintsha, ngoko uyazi ukuba ukwanda kwezinga kuba ngenxa yenguqu kwidilesi.

• Buza i-arhente yakho ukuba bahlolisise abanye abathwali bomshuwalense kunye nokuba izinga lithelekiswa njani nezinye iinkampani zomshuwalense. Ngamanye amaxesha xa ufumana amaxabiso angaphantsi kuboniswe nabanye ababoneleli unako ukuxoxisana nesaphulelo esongezelelweyo.
• Qinisekisa ukuba unayo zonke izaphulelo ezifanelekileyo kumgaqo-nkqubo wakho. Siyakuva kwakhona ngokuphindaphindiweyo, kodwa xa iinkampani ze-inshorensi ziguqula izicwangciso zazo kunye neenkqubo njengoko zenzayo namhlanje, kulula ukuba into ephosakeleyo okanye ayikhohliweyo.
• Ukuba unomoto oye wenziwe ngokuzenzekelayo okanye ezinye izinto ezikhuselekileyo zokhuseleko, khangela ukuba inkampani yakho ye-inshorensi iya kunika isaphulelo kulokhu.Ubuchwephesha ekukhuseleni kwimoto buyatshintsha ngokukhawuleza, abanye abaqinisekisayo bayanika izaphulelo.
• Yenza uphononongo olupheleleyo lwezinto ezifihlakeleyo kwaye qi ni sekise ukuba unezinto eziphendula kakuhle kwiimfuno zakho zangoku.
• Qiniseka ukuba awuhlawulwanga ngamabango okanye iirekhodi zokuqhuba abanye abaqhubi kumgaqo-nkqubo wakho, okanye kwiimeko ezingasasebenzi.

Zizo zonke izinto umthengisi okanye i-agent aza kukwazi ukukunceda. Ukuqonda ukuba yintoni eyenza ukwanda kwentengo ye-inshorensi yokuhlaziywa kukubeka ekulawuleni umgaqo-nkqubo wakho, kwaye kwimeko yokuxoxisana ngexabiso elifanelekileyo.

Ukuhlaziywa kweNtshuwalense ye- Titan Auto .