Kodwa masithi ungumqhubi onoxanduva kwaye unomgaqo-nkqubo we-inshurensi yemoto. Uyazi ukuba izingozi zokungabi naso ngaphezu kwezibonelelo, kwaye uyamkele isithuba sakho.
Kodwa ngokungafani nokungafuni ukuhlawula, ufumana ileta evela kumgcini wakho womshuwalense ekukwazisa ukuba ukukhansela umgaqo-nkqubo wakho unokubangela ukuphazamiseka. Ngaphambi kokuba kubangele ukwethuka okwenene, kunjalo, yinto efanelekileyo ukuqonda ukuba yintoni ukuchithwa kwendlela kunye nendlela yokujongana nayo. Nakhu okumele ukwenze emva kokufumana ileta yokukhansela yinshorensi.
Kutheni umgaqo wam ususwe?
Yikholwa okanye akunjalo, yinto enqabileyo engavumelekanga ukuba ikhusele enye yeenkqubo zayo. Kwiinkoliso ezininzi, u-inshurensi unokurhoxisa umgaqo-nkqubo malunga naluphi na isizathu kwisithuba seentsuku ezingama-30 okanye ezingama-60. Ngethuba lexesha lokuqala, umgcini-mali unokukhenxisa umgaqo-nkqubo xa ufumanisa ulwazi malunga ne-insured okanye angabonakaliswa okanye aphikiswanga ngaye ngexesha lokufaka isicelo. Emva kwexesha lokuqala, ukukhanselwa komgaqo-nkqubo ngumqhubi, kuba ngumthetho, kunzima kakhulu. Kuya kufuneka ibe nesizathu esihle sokwenza.
Isizathu esona sikhulu sokukhanselwa kukuba ukungaphumeleli ukuhlawula i-premium (ngezizathu ezicacileyo). Inokukhishwa kwakhona ukuba uyiphambukise inkampani - ukuba uyifihla nayiphi na inkcazelo ngenzuzo yezemali, lo buqhetseba. Ukuba ilayisenisi yakho ikhanseliwe, inqunyanyisiwe, okanye ikhutshwe , okanye nayiphi na yabaqhubi kwipolisi yakho oku kwenzeke kubo inkampani yakho yinshurensi inokuphelisa umgaqo-nkqubo wakho, nayo.
Ngokufanayo kunye nenani elikhulu lezengozi kunye nokuphambana nokuphulwa. Ekugqibeleni, ukuba ufumene ukuba unemeko eyenza ukuqhuba ukukhuseleka, njengokwenyuka, umgcini wakho womshuwalense unokucima ukukhutshwa.
Ukukhanselwa nokungahlaziywa
Ukukhanselwa kwenzeka ngexesha lepolisi. Ukungabikho ukuhlaziywa yinto eyenzeka ekupheleni komgaqo-nkqubo omnye kwaye ngaphambi kokuba kuqale ixesha elitsha lomgaqo-nkqubo. Kukho izizathu ezininzi zokuthi kungani umgcini-mali unquma ukungahlaziyi umgaqo-nkqubo we-inshorensi, kwaye intloko phakathi kwabo kukuba: utshintsho kwirekhodi yokuqhuba i-insured, efana ne- DUI okanye ukuqokelela ukuphulwa komthetho , amabango amaninzi kumgaqo-nkqubo, okanye i-insured ehamba urhulumente apho umgcini-mali angabhalisi imigaqo-nkqubo. I-insurer yakho iyadingeka ukukwazisa ngenjongo yayo ukuba ingahlaziyi umgaqo-nkqubo inombolo ekhethiweyo yeentsuku (echazwe ngumthetho) phambi kokuba umgaqo-nkqubo wakho okhoyo uphakanyiswe ukwenzela ukukunika ixesha lokufuna i-inshurensi yemoto kwenye indawo.
Yintoni enokuyenza xa Ufumana isilumkiso sokukhansela
Ukuba ufumana i-inshurensi yokukhansela yomshuwalense womshuwalense, amathuba kukuba unengcamango enhle kakhulu ezayo. Kungenxa yokuba iinkampani ze-inshorensi zithatha ukukhansela ngokukodwa kwaye ziyakunika esinye isilumkiso okanye esinye isilumkiso ngaphambi kokuba ukhansele umgaqo-nkqubo wakho.
Ngokomzekelo, ukuba ungasemva kwiintlawulo zakho ze-premium, abaqinisekali baya kuhlala bekunika ithuba lokubamba. Okanye ukuba bafumanisa ukuba kukho umqhubi kwindlu yakho engabhalwanga kumgaqo-nkqubo, baya kukunika ithuba lokumongeza. Kwiimeko apho ufumana ithuba lokulungisa ingxaki, isiluleko esihle kakhulu sokwenza njalo ngokukhawuleza.