Ndiyakususa I-inshurensi yemoto Naliphi ixesha?

Uninzi lwabantu lunemibuzo enzulu malunga nokukhansela umgaqo-nkqubo we-inshurensi yemoto. Kucetyiswa ukuba ungayi kuhamba ngaphandle kwe-inshurensi yemoto, nangona ukucinywa komgaqo-nkqubo kuyadingeka ngezikhathi ezithile. Ukwazi xa unokucima umgaqo-nkqubo wakho uya kuqinisekisa ukuba imoto yakho ihlanganiswe ixesha elifanelekileyo. Kucinga ukuba uyakwazi ukukhansela umshuwalense womshuwalense wakho , ushiya kuphela umbuzo wokuba ukhansele nini.

Ukukhansela i-Car Insurance nanini na

Ngokwenene, unako ukurhoxisa i-inshurensi yemoto nanini.

Iimeko apho uya kucima khona ziya kugqiba ukuba ngaba ufanele uhlawule isohlwayo. Kungcono ukucela ukukhishwa kwe-inshurensi yemoto ukunceda ukuphepha izigwebo. Ukukhansela ngokukhawuleza emva kokuthenga umgaqo-nkqubo we-inshurensi yemoto kuyona sizathu sokuba kukho imali yentlawulo.

Imirhumo yokukhansela ingahluka ukusuka kuma-25 ukuya kwi-pesenti ye-premium yakho yonke. Iindaba ezilungileyo kukuba, iintlawulo azihlawulwanga ukucinywa. Yonke inkonzo yomshuwalense inomgaqo wayo wokukhansela. Kubalulekile ukujonga ukushicilela okulungileyo kwiphakheji yakho yomshuwalense okanye uthetha nommeli ogunyazisiweyo.

Sekunjalo, i-Owe Money?

Abaninzi abanamalungelo omgaqo-nkqubo bahlala benetyala kwi-inshurensi yemoto emva kokuba umgaqo-nkqubo ususwe. Ukuba ukhansela i-inshurensi yemoto ngexesha lobabalo , kuya kubakho ukuba uya kuba netyala kumgaqo-nkqubo. Ixesha lobabalo libonelela ngenqaku elichaziweyo leentsuku ezidlulileyo umhla wokuhlawula. Indlela yodwa yokuphuma ekuhlawuleleni loo mihla yenkxaso-mboleko kukubonelela ngobungqina benkxaso ngomnye umphathiswa.

Ngenxa yeentsuku oye wagutyungelwa phantsi komgaqo-nkqubo wakho, ayithathwa njengemali. Kucingelwa ukuhlawula imali yokusetyenziswa kwakho.

Ukukhansela emva kokutshintshwa kwe-Intshuwalense yemoto

Ixesha elifanelekileyo lokukhansela inqwelo-mali yakho yomshuwalense emva kokuba unomnye umgaqo-nkqubo usetyenzisiweyo. Ungashintsha nanini naxa ixesha lokuhlaziya lixesha elihle .

Yiya kwinkqubo yonke yokuthenga enye yomshuwalense wemoto yomshuwalense kwaye wenze intlawulo yakho yokuqala . Kuphela ke kufuneka ukhansele umgaqo wakho okhoyo.

Ezinye iindlela zokuKhusela i-Intshuwalense yemoto

Ngenxa yokuba unako ukurhoxisa i-inshurensi yemoto yakho nayiphi na ixesha ayithethi ukuba kufuneka. Ukuhamba nge-inshuwalense yemoto kwiindawo ezininzi kunokukwenza ube mngcipheko omkhulu xa kufika ixesha lokuthenga i-inshurensi yemoto kwakhona. Inqwelo-mali yomshuwalense ibonisa uxanduva lwakho lwemali xa kwenzeka ingozi. Ngaphandle kwe-inshurensi yemoto, unako ukuxhomekeka kwizigwebo ezimbalwa ezahlukeneyo, ukuba ubanjwe ukuqhuba ngaphandle kwayo. Izigwebo ziyahluka ngobuso kodwa zingenza ngaphandle kwe-inshurensi ukhetho olubi.