Ininshurensi yingxenye ebalulekileyo yebhajethi yonke. Umlondolozo onjalo unyanzelekile ukukhusela izinga lakho le-inshurensi ukusuka ekukhuphukeni. Zininzi izinto ezinokuchaphazela kakubi izinga lakho le-inshurensi elenza abaninzi bazibuza, ngaba i-inshurensi yam iya kunyuka? Ukuqonda okuchaphazela i-inshorensi yakho yinyathelo lokuqala ekukhuseleni izinga lakho.
01 Ulwaphulo lwezithuthi
Ulwaphulo oluncinane lwezithuthi
- Ukungaphumeleli Ukuzaliswa
- Ukulandela kuVala
- Ukusixhasa okungalunganga
- UkuPhucula okungcono
- Isixhobo seZithuthi / Uphawu
- Ngokukhawuleza
Ulwaphulo oluninzi lwezithuthi
- Uzama uFelon
- Ibhola evulekileyo
- Ukunyamekela Ukuqhuba
- Drag Racing
- Ukuqhuba Ngaphandle Kwefuthe
- Ukubalekela kwamapolisa
- Ukubulala
- Ukuhamba kweBhasi leSikolo
- Ukuqhuba ngeLayisenisi elisisigxina
- Indlela engalunganga
Ukuba ulwa netikiti enkundleni uze uphumelele, akufanele ukuchaphazela irekhodi lakho lokuqhuba . Isikolo sendlela yenye indlela. Amanye amazwe anikezela ukuthatha ikhosi kwaye idlulisa uvavanyo njengendlela yokuphepha izinga lokunyuka kwe-inshurensi ngenxa yokuphulwa kwezithuthi.
Enye indlela yokuphepha ukunyuka kwintlawulo yomshuwalense kukuthenga ukuxolelwa okuncinci. Ukuxolelwa okuncinci kweentlawulo zincinci ezintsha kunye neengcingo ziquka uhlobo lokuxhaswa olunikezelwa ngabathwali bezithuthi ezahlukeneyo. Khumbula ke, ukuba uthengisa umkhiqizo onjengale, qonda zonke izikhokelo, ngoko ungaboni. Uninzi lweephakheji zokuxolela lusebenza kuphela ngenxa yokwephulwa kwezinto ezincinci kwaye luya kusebenza kuphela kuphulo olulodwa ngomqhubi.
Ingozi ye-At- 02
Ukuba ubangele ingozi yemoto kwaye ibango lifakwe, iirhafu zakho ze-inshorensi ziyakuthi zanda. Ezinye iinkampani ze-inshorensi zinikeza isikhonkco esivumela ukuhlawulwa encinci ngaphandle kokwanda, ngokuqhelekileyo phantsi kwe-$ 500. Kwakhona ezinye iinkampani zinikela ukuxolelwa ngengozi , okukuvumela ukuba ube necala lokufaka ingozi kwimeko nganye ngomqhubi ngaphandle kokunyuka kwi-premium. Nangona kunjalo, uhlawula ngokukhawuleza xa ufumana ingxelo ngaphandle kokungazi ukuba uya kuba neyingozi yengozi. Hlola ngegosa lakho le- inshorensi ukuba ubone ukuba i-coverage iyatholakala kwaye ingaba iya kuba nexabiso elingakanani.
03 Ibango elipheleleyo
Amabango apheleleyo achaphazela izinga lakho le- inshorensi ayengavamile, kodwa ezinye iinkampani zomshuwalense ziyazinzima. Imithetho iyahlukahluka kumsebenzi wokubambisa ukwenzela ukuba ucele i-inshorensi yakho ukuba ngaba amabango amaninzi aya kwenza i-inshurensi yakho ikhuphuke. Uninzi aluyikuhlawula imali eyongezelelweyo, kodwa abanye abathwali baya kwenza ukuba i-inshurensi yakho ikhuphuke xa kukho imali engaphezu kwe-R100 okanye ukuba unayo ibango elingaphezulu kwama-3 phakathi kweminyaka emithathu.
04 Ukuguga
Ngelishwa, ukukhula akuyi kuhlala ihlaziya yakho yomshuwalense. Kwaye kwiimeko ezininzi, unokubona i-inshurensi yakho iya phezulu xa uneminyaka engaphezu kwama-70. Iinkampani zomshuwalense ziphatha abaqhubi asebekhulile befana nabaqhubi abaselula . Izaphulelo eziphambili zihlala zikhaba malunga neminyaka engama-50 ubudala, kodwa ukuba uneminyaka engaphezu kwe-70 ubudala, isantya sakho siza kuqala ukunyuka.
05 Ukukhwela kwi-Intshurensi
Ukungaphumeleli kwintengiso yomshuwalense wenqwelo-mlilo akukaze kulungile Ukuba usandula ukuphelelwa yisikhathi, ngokuqhelekileyo kunokwenzeka ukubuyisela umgaqo-nkqubo kunye ne- inshurensi yakho yangoku kwiveki. Imali ihlawulwa ngokuphindaphindiweyo yokubuyisela, kodwa ngokuqhelekileyo incinci xa kuthelekiswa nemilinganiselo yomshuwalense ophezulu . Ezinye iinkampani zikunika ikhefu ukuba umgaqo-nkqubo usuphelile kwiintsuku ezingaphantsi kweentsuku ezingama-30 ngokungagqithisi phezulu njengoko bebakho umntu ongenashuwalense ixesha elide. Iintengiso ze- inshorensi ezithandayo kakhulu azivumeli nayiphi na ixesha lokubakho ukusabalalisa ngaphandle kokuba uzama ukubuyisela umgaqo wakho okhoyo .
06 Ukuhamba
Inokumangalisa ukuba indawo idlala indima kwinani lakho le-inshurensi. Ukufuduka kwimeko okanye ukufudula umgama omncinci kunokwenzeka ukuba wenze i-inshurensi yakho ikhuphuke. I-inshurensi isoloko isekelwe kumabango kwindawo yakho, ngoko ke ukuba uhlala kwindawo eninzi yedolophu, kunokwenzeka ukuba uya kuhlawula ngaphezu kokuba uhlala kwiidolophu.
07 Yehla kwiCredit Score
Iinkampani ezininzi ze-inshorensi zisekela i-premium yakho ye-inshorensi kumanqaku akho . Ngeli xesha, iCalifornia yimihlaba kuphela ekhusela iinkampani ze-inshorensi ekusebenziseni amanqaku akho. Ukuba i-credit score points plummets, kungenzeka ukuba i-premium yakho yomshuwalense iya kunyuka. Hlola kunye ne-inshente yakho ye-inshorensi ukuba ubone ukuba umlinganiselo wakho wekhredithi udlala inqanaba lakho le-inshurensi.
Inqanaba le-inshurensi ngokuqinisekileyo liyingozi. Izinto ezininzi ziza kubala inani le-inshorensi kunye nezinguqu ezincinane zingenza impembelelo enkulu kwi-premium. Ukwazi oko kuya kwenza ukuba i-inshurensi yakho ikhuphuke iya kukubeka kwindawo engcono yokukhusela ukwanda. Iinkampani zomshuwalense zinakho ukuphindaphinda umlinganiselo wakho konke ukuhlaziywa , kwaye ngamanye amaxesha ukwanda kwezinga akukho nto enokuyenza ngayo ngezenzo zakho. Ukuba ubona ukwanda kwezinga ngaphandle kokwenza utshintsho olulodwa kwipolisi yakho okanye imbali yokuqhuba, mhlawumbi ixesha elifanelekileyo lokuqala ukuyothengela i-inshurensi engabizi.