Yingakho silapha ukuphendula umbuzo obalulekileyo: Ngaba i-inshurensi yemoto iya kugcina i-kids yami enkulu xa iboleka imoto yam? Kwiimeko ezininzi, impendulo ngu "ewe", kodwa njengesiqhelo, kuya kuxhomekeka kwiimeko. Ngoko, masiqwalasele.
Ukusetyenziswa kweMvume kunye noMzukulu wakho
Mhlawumbi uye wakuva inqaku elithi, "umshuwalense wemoto ulandela imoto, kungekhona loo mntu." Mhlawumbi uye wakuva igama elithi "ukusetyenziswa kwemvume." Bobabini banokubaluleka kwiingxoxo zethu. Masithi ilungu losapho lwakho olude lukutyelela kwaye ufuna ukuboleka imoto yakho . Omnye ufana nomntakwabo, unina okanye umalume. Okanye umzukulu. Kwaye ubapha imvume. Kwiimeko ezininzi, uya kuqinisekiswa phantsi komgaqo-nkqubo wakho. Yilokho "ukusetyenziswa okuvumelekileyo" kubhekisela kuwo. Qiniseka ukuba umntu (umzukulu kulesi siko) uboleka imoto yakho inelayisenisi evumelekileyo.
Kwininzi yamagunya, igama elithi "ukusetshenziswa okuvumelekileyo" luchazwa ngokubanzi, kwaye kukulungile kuwe.
Kodwa loo nto ayithethi ukuba akukho zimo apho ukukhwela imoto yakho kumzukulu kunokuba yingxaki.
Xa umzukulu ungaphezu kweendwendwe ngezihlandlo
Yilapho ukusetyenziswa kwemvume, kunye nokukhwela imoto yakho kumzukulu, unokufumana into encinci. Ingxaki inokuvela xa wakho umkhulula ngaphezu kweendwendwe zangekhaya kunye / okanye obolekayo imoto yakho.
Ukuba ngaba kunjalo, unokufuneka ungeze igama lakhe kwipolisi yakho ukwenzela ukuba ikhutshwe. Imithetho ethile ihluka ukusuka kummandla ukuya kwilizwe kunye nakubharensi ukuya kwi-insurer, kodwa ngokubanzi, iinkampani ezininzi ze-inshorensi zilindele ukuba amalungu omndeni ahlala kwindlu efanayo afakwe kwi-policy. Ukongezelela, nokuba ngaba umzukulwana wakho akahlali phantsi kophahla lwakho, unokufuna ukuba abhalwe phantsi kwipolisi yakho ukuba basebenzisa imoto yakho rhoqo.
Uninzi lweeMdaka
Andiyithandi ngokubonakala kwakho, ndithetha ngokutshisa imoto yakho kwi-grandkid yakho. Umzekelo, naliphi na ukubolekisa isithuthi sakho kunoma ubani ongabhalwanga kwipolisi yakho (kubandakanywa nomzukulwana), umgaqo-nkqubo uthatha isimo sokubambisa "okubalulekileyo," oko kuthetha ukuba ukuba umkhulu wakho ufumana ingozi kwimoto yakho, kwaye okanye iphoso lakhe, umgaqo-nkqubo wakho ngowona mfanelo uxanduva. Ukuba umzukulu wakho unomshuwalense wakhe ohlukeneyo, loo mgaqo-nkqubo uza kuthatha indawo "yobume besekondari", oko kuthetha ukuba unokunyanzela nayiphi na uxanduva lomntu okanye iindleko zonyango, okanye nayiphina imonakalo engaphezulu nangaphezulu kwemida yakho ( umgaqo-nkqubo wokuqala).
Nantsi enye inkinga. Ukuba umzukulwana wakho owela phantsi kwecandelo lomqhubi wokusetyenziswa kwemvume kwaye ufumana ingozi kwisithuthi sakho, uya kufuneka ufake ifowuni kunye ne-insurer yakho kwaye oko kuthetha ukuhlawula imali yakho kwaye mhlawumbi ufumana ukunyuka kwinqanaba lakho le-premium.
Into engacinga ngayo ngaphambi kokuba unike iifaki.
Ngaba sitsho ukuba imithetho iyahluka?
Kubalulekile ukukhumbuza kwakhona imithetho malunga nokusetyenziswa kwemvume, okufuneka idibene kumgaqo-nkqubo kwaye, ngokukodwa, indlela umgaqo-nkqubo wakho uphatha ngayo amabango afaka umzukulu, uguquke ngokubanzi kuxhomekeke kwimeko ohlala kuyo kunye ne-insurer yakho. Kwaye kuthetha ukuba kubaluleke kakhulu ukuqonda imithetho efanelekileyo yolawulo lwakho kwaye ufunde umgaqo wakho ngokucophelela. Ukuba unemibuzo nantoni na malunga nokuxhamla umzukulu, okanye nayiphi na enye umqhubi, shayela i-arhente yakho ngokukhawuleza.