Mhlawumbi usandul 'unobangela obunanto kwaye uncitshiswa ekubeni unayo i-SUV ezimbini ezinkulu zokunethezeka ukuze ube ne-sedan enye enomgangatho onamandla.
Kukho zonke izizathu zokutshintsha i-inshurensi yakho. Mhlawumbi uthenge imoto entsha okanye iloli kwaye kufuneka uyifake kwimigaqo yakho yangoku. Mhlawumbi iimali zakho ezizimeleyo ziphuculwe kwaye ixabiso lakho liye landa kakhulu, kwaye ufuna ukuwakhusela kangcono nge-coverage. Kwakhona kunokwenzeka ukuba ufumene umcimbi ongcono kunye nomthengisi ohlukeneyo kwaye ufuna ukutshintsha. Kungakhathaliseki isizathu esithile, ukutshintsha i-inshorensi yemoto yakho igxotha enye yezinto ezimbini: utshintsho kwiimeko zakho zobomi okanye umnqweno wokugcina imali. Ngoko, ufikile kwisigqibo sokuba kufuneka uguqule ingxelo yakho-ngoku kufuneka ufumanise indlela. Ukuba uphelile kwithuba lakho lomgaqo-nkqubo, akukho ngxaki.
Yenza nje utshintsho lwakho kwisivumelwano esilandelayo. Kodwa kuthekani ukuba uphakathi kwenkqubo yenkqubo?
Ukutshintshwa koMgangatho weMidi-midlalo
Nazi iimeko eziqhelekileyo apho i-insured iya kufuna ukutshintsha umgaqo wakhe:
• Ukongeza okanye ukususa isithuthi;
• Ukongeza okanye ukususa umqhubi;
• Ukunyuka okanye ukunciphisa imida yokupapashwa;
• Ukutshintsha ukusetyenziswa kwezithuthi (ezinjengamazinga angaphezulu okanye ngaphantsi kweenyanga);
• Ukufudukela kwindawo yokuhlala ezahlukeneyo;
• Ukuguqula isithuthi esitshintsha ixabiso layo.
Ngethamsanqa, ukuguqula umgaqo-mgangatho wendawo-mgangatho akufuneki ube yingxaki. Abathwali baqonda ukuba iimfuno zabo ze-inshorensi zabathengi ziyakwazi ukutshintsha ubusuku kwaye ukuba ezo zinguqu zincinane zihambelane nomzuzu ochanekileyo xa ixesha elilodwa lomgaqo-nkqubo liphela kwaye omnye uqala. Abatshutshisi bafuna ukugcina ibhizinisi lakho, ngoko baphuma kwindlela yabo ukwenza inkqubo yokutshintshela i-coverage yakho elula njengoko kunokwenzeka. Ngokuqhelekileyo, umfowunelwa ngokukhawuleza kumphathi wakho okanye ukutyelela kwiwebhsayithi yayo konke kuthatha. Kukho, nangona kunjalo, iziganeko ezimbalwa xa uza kufuneka ukhansele umgaqo-nkqubo wakho wangoku kwaye uqale uhlambulule entsha. Kwiimeko ezimbalwa, ukuhamba ukusuka kwelinye ilizwe ukuya kwelinye kuya kubangela ukuba kubhalwe umgaqo-nkqubo omtsha nangona uhlala nomphathi ofanayo.
Kukhawulelwe ukuvuselelwa kuphela
Kunokwenzeka ukuba usebenze kwezinye iindidi zokukhawulela ezithintele kuphela utshintsho kuphela ekuhlaziyweni. Ngokuqhelekileyo kuya kumgcini-phantsi ukuba avumele ukutshintshwa okunjalo phakathi kwekota. Ngokuqhelekileyo "ukukhawuleza" kwenkcazo enokuthi ithintele. Eminye imizekelo yokubhalwa kwendlela enokuthi ithintele ukutshintshwa kwenguqu kuphela:
• Ubuncinane bokuSixolela ukuxolelwa
• Ukutshintshwa kweMoto entsha
Ukuba unemibuzo malunga nendlela utshintsho oluya kuthintela ngayo umgaqo-nkqubo wakho, qiniseka ukubiza umnxeba wakho, ngokukhawuleza ukuba ngcono.
Ukutshintsha ii-Insurers Mid-Policy
Ngamanye amaxesha ukufudukela kwilizwe elitsha kuya kuthetha okungaphezulu kokutshintsha imigomo yomgaqo-nkqubo okanye ukubhala entsha entsha kunye ne-insurer yakho yangoku. Kungenzeka ukuba umphathiswa wakho akabhali imigaqo kwiimeko ezintsha zokuhlala. Ukuba kunjalo, ngoko awuyi kuba nako ukhetho kodwa ufune i-insurer entsha. Kodwa isizathu esona sikhulu ngokubangela ukuba abantu batshintshe umgcini-mali-nkqubo phakathi komgaqo-mali. Bafumene ukhetho oluncinci kwaye abafuni ukulinda de kube sekupheleni kwekota yabo yomgaqo-nkqubo ukuba bayisebenzise.
Ukutshintsha umgcini-bhorensi kumgaqo-nkqubo ngokwenene kuyinto eyenzeka ngokuqhelekileyo kwaye kaninzi kunzima ukuyenza, nangona ingaba yinto encinci kunokuba wenze utshintsho kumgaqo okhoyo.
Khangela ulwimi lomgaqo-nkqubo okhoyo kwaye uza kufumana ilungiselelo lokukhansela. Kuza kukuvumela ukuba ukhansele ipolisi yakho ngokugcwele nayiphi na kwaye uza kubeka imigaqo yokubuyisela nayiphi na indawo engasetyenzisiweyo ye-premium yakho. Kodwa ke unakho ukuhlawuliswa kwesohlwayo sokukhansela kwangaphambili, ingakumbi ukuba unqumle ukurhoxisa ekuqaleni kwenkqubo yomgaqo-nkqubo. Qinisekisa ukulinganisela nayiphi na isohlwayo sokukhansela ngokulondolozwa okulindelekileyo phantsi komphathiswa omtsha . Kungenzeka ukuba luncedo lwakho lwezezimali ukude umgaqo-nkqubo wakho okhoyo uphele okanye ude uhlwayo awusasebenzi.
Omnye umahluko phakathi kokushiya umgaqo-nkqubo phakathi kwexesha kunye nokwenza inguqu yokuguquka yile nto uza kuyidinga ukuyenza ngokubhala. Ifowuni elula ayifanele. Yaye khumbula, ukuba uyayicima kwaye uhlawulwa imali ethile kwi-premium yakho, kunokuthatha ixesha elide ngaphambi kokuba i-check back rekhombise kwibhokisi yakho yeposi.
Ukuba unquma ukutshintsha imigaqo-nkqubo, khumbula ukuba unomgaqo-nkqubo wakho omtsha kwindawo kunye nokufihla isithuthi sakho ngaphambi kokulahla elidala. Kwiindawo ezininzi, uya kuhlawulwa xa uhamba ngaphandle kwenkonzo yomshuwalense kwanomhla. Ngaphezu koko, ukuba inhlanhla yakho injengam, loo mini ingenasigxina iya kuba yinto enye uya kuyidinga.
Enye into ebalulekileyo: ukukhutshwa ngokuqinisekileyo kuya kuhluka kancinci ukusuka kwelinye icala ukuya kwelinye. Akunandaba nokuba uzama kangakanani ukulinganisa imigaqo-nkqubo. Qiniseka ukuba uyayiqonda ngokucacileyo loo ntlukwano ngaphambi kokutshintsha, okanye ekugqibeleni ungagqithisela imeko yebango edla yonke into yokulondoloza ababeyifake.