Xa uthenga iCar entsha, Unako ukunikezelwa kwezi ncwadi
Iwaranti yomatshini iwaranti esongezelelweyo enikezelwa ngumthengisi wakho wemoto edla ngokusebenza ngokuphazamiseka kombane okanye kwiindawo xa uthenge imoto. Inokunikezelwa nayiphi na inani leminyaka kuxhomekeke kwisicwangciso oya kuhamba nayo kunye nendlela ofuna ukuyisebenzisa ngayo.
IWaranti yeeMpawu kunye neNkcitho yeNtsholongwane yeNshsi
Abantu abaninzi abaqapheli ukuba banokhetho olungaphezulu kweyodwa xa kuziwa ekuthengeni ukukhutshwa ngokuchasene nokuchithwa kwemishini. Ukusukela kwithuba elide uza kuba nalo imoto yakho, okanye nokuba awuyikucwangcisa ukuba ngumnini ixesha elide, kodwa ufuna ukuyithengisa ngeminyaka embalwa, kunokubakho inzuzo yokuthenga iwaranti yomatshini ngokusebenzisa umthengisi okanye ukuthenga i-inshorensi yokuchithwa kwamashishini ngokusebenzisa inkampani yinshuwalense.
Ingqiqo efanelekileyo yokuphonononga oko inkampani yomshuwalense inikezela ukuqonda ukuba yeyiphi inketho eya kukunika inzuzo enkulu kwaye ingakugcina imali, njengoko sixoxa ngezantsi. Okokuqala makhe sibone ukuba yeyiphi i-inshorensi yokuphazamiseka kwe-mechanical, yintoni efihlayo kwaye ixabisa kangakanani.
Iyintoni i-Insurance Breakdown Insurance?
I-Intancial Breakdown Insurance (MBI) yinkcazo ehlawulela ukulungiswa kwemoto engahambelani nengozi enokuthengwa ngenkampani yomshuwalense wemoto kunokuba iwaranti esongeziweyo kumthengisi.
Njengesiqinisekiso esongezelelekileyo ukukhutshwa kwe-inshorensi yokuxhatshazwa kwemishini ehlawulela ukulungiswa kwemoto ngokugqithiseleyo iwaranti yesiqulatho kwaye inokubonelela ngeengxelo ezongezelelweyo njengenxalenye yenkampani ye-inshorensi kuxhomekeke kwinkampani yinshuwalense. Ukuchithwa kweMicrosoft Insurance kungeniswa njengesiqinisekiso kumgaqo-nkqubo wakho. Ukuchithwa kwe-inshorensi yomshuwalense kunokubonelela ngenzuzo ngaphezu kwewaranti eninzi kwimoto kuba inikwe inkampani yomshuwalense kwaye ilawulwa yinkampani yomshuwalense kwimigangatho kunye namabango.
Izizathu zokuthenga i-Intelligence Breakdown Insurance (MBI) Umyinge esikhundleni se-Warranty Extended
- inokubandakanya iinxalenye ezininzi kunye neenkqubo kunokuba kuninzi iziqinisekiso zokuthengisa
- kuya kuhlawulwa ixabiso elingaphantsi kwento yokuthengisa
- unokwenza imoto yakho ilungiswe naphi na ukufunayo
- inokutshintshwa kumnini wesithuthi omtsha ukuba uthengisa imoto yakho, okanye unokuyikhansela nanini na kwaye ungalahlekelwa yimali
- akufanele uhlawule imali enkulu yokuhlawula imali kwaye uhlawule umrhumo xa ixabiso lifumanisa imali yakho mboleko
Yintoni yokuchithwa kwemiSebenzi yomshuwalense?
Unokufumana amanqanaba amaninzi okubhalwa kwe-inshorensi yokuchithwa komatshini, ngokuqhelekileyo ukhuseleko oluyisiseko luya kukhusela oku kulandelayo:
- Iinjongo zeenjini, ex: i-pump pump, ipompo yamanzi
- Drivetrain
- Ukuthunyelwa
- Ukukhupha
- IBrakes
- Izixhobo zombane ex: i-alternator
Unokufumana kwakhona ukuphazamiseka kwemishini eyenza ukunyuka ku:
- ulawulo
- into yokufaka umoya endlini
- inkqubo yombane
Yintoni engabhalwa nguNtsholongwane weNgxowa-mali?
Ukuphahlazeka kwezixhobo ezingenzi ukugcinwa rhoqo okanye ukulimala kwiingozi zeemoto . Kwakhona akunakukugubungela ukunxiba kunye nokulila, ngoko uya kufuna ukufumana into ekwahlukileyo njengokugqoka kunye nokukrazula, okanye yintoni ekwahlukileyo njengento yokuphazamiseka. Oku kungenza umehluko kwimveliso okanye kwinshuwalense oyithathayo.
Iziganeko ezingabonakaliyo kwiNkcitho yokuLawulwa kweMicrosoft Insurance
- i-tune-ups
- ukulungiswa kokumiswa
- ukulinganisa ivili
- iifayile
- lubrication
- epholile kunye namanzi
- spark plugs
- i-pake ipads kunye neerings
- ziqhekeza izihlangu
- mavili
Ngaba i-Inqwelo-mali Yomshuwalense Ikhupha ukuchithwa kweMishini
Hayi, i-inshorensi yomshuwalense rhoqo ayifuni ukujonga ukuphazamiseka rhoqo okanye ukugcinwa. Ungathenga i-Mechanical Breakdown Insurance okanye ngokwazisa.
Qaphela ukuba i-MBI ayifaki indawo yomshuwalense wengqumbo rhoqo, yongeza.
Kusenokwenzeka ukuba uthenge i-inshurensi yemoto yakho esisiseko ukugqithisa iimfuno ze-inshurensi yemimiselo yombuso kunye neengxelo zokufumana ezongezelelweyo ezifana nokubanzi , ukudibana okanye ezinye izibonelelo .
Ingakanani Ukuphazamiseka Kwendlela yokuThengiswa kweeNkcitho?
Iindleko zeNtsholongwane yeNtsholongwane yomshuwalense ngokuqhelekileyo iyabiza kakhulu kuneliqinisekiso elongezelelweyo kumthengisi. Ixabiso liyahluka ngokusekelwe kunyaka kunye nemodeli yemoto, ukufikelela kunokuba kungabibizi nje nge-$ 300 kodwa kungabininzi kangangeenkulungwane eziliqela, kuxhomekeke ngokupheleleyo kwimoto. Ngokungafani ne- inshurensi yomshuwalense wexesha eliqhelekileyo onokuqwalasela irekhodi lakho lokuqhuba kunye nezinye izinto ezininzi, ngamanye amaxesha kubandakanywa nokulinganiswa kwesikweletu sakho, ukukhwabaniswa kweekhredithi kusekelwe kuphela kunyaka kunye nemodeli yemoto yakho.
Ukubalwa kwexabiso alithathi naluphi na ulwazi lwakho lomntu.
Ukuthengwa kweMicrosoft Insurance I-Warranty & Extended Warranty Umthengisi weMoto unokukugcina Imali
Ukuchithwa kweeNkampani zeIntshurensi kunokukunika ukuguquguquka kwimiqathango yokubhatala kunye nokuba uhlala ixesha elide kangakanani. Ngenxa yokuba i-inshorensi yokuphulukana ilawulwa njengenqubomgomo yomshuwalense ingaba ngcono kuwe ngokwezimali ngenxa yokuba ayikunyanzeli ukuba uhlawule isamba esikhulu semali ngexesha lokuthengwa kwesithuthi sakho. Kwakhona akunakukunyanzelisa ukuba uhlawule ngemali yokubolekisa ngemali yakho yemali mboleko njenge-waranti eyongezelelweyo, oku kungakusindisa imali kwimali.
Abathengisi bemoto bavame ukunikela ngemveliso enjengeengqinisiso ezongezelelweyo okanye i- Guaranteed Auto Protection (GAP) , kwintengiso kunye nokubeka uxinzelelo oluninzi kubantu ukuba bazithenge khona. Abathengisi bemoto bangenza imali eninzi kule ntengiso ethengisiweyo, ngoko kuyacaca ukuba baya kubahambisa kuwe kufuneka uhlale uhlola ummeleli wakho we-inshorensi kuqala. Kunceda ukuthelekisa le mveliso, ngakumbi ukususela xa kuthengwe ngekampani yomshuwalense elawulwa yimigangatho yomshuwalense ekufuneka ikhusele abathengi. Awufanele ungeke uthenge le mveliso kumthengisi phantsi koxinzelelo, thatha ixesha lakho ukuba uqonde oko kukunika ingqiqo.
Ngaba iWaranti eyongezelelweyo okanye ukuchithwa kwemijelo yomshuwalense efunekayo kwiCar entsha?
Kuya kuxhomekeke kwizinto ezininzi. Ukuba sele sele uzimisele ukuthenga iwaranti esongezelelweyo kwaye i-Insurance Mechanical Breakdown Insurance iyona nto inokuyilungele ukuba uyiqwalasele. Nangona kunjalo, ukuba awukwazi ukuba ufanele uthenge i-coverage eyongezelelweyo kukho konke, kufuneka uyenze uphando malunga nemoto oya kuthenga.
- Khangela iingxelo zabathengi okanye ezinye iimpendulo zeemoto eziza kubonisa oko ungalindela ekusebenzeni kwesithuthi sakho ngexesha elide, ngokuqhelekileyo kukho idatha ekhoyo eyokukunceda uqonde ukuba yiziphi iingxaki onokuzilindela kwixesha elizayo. Unokufumanisa ukuba abanye abenzi bemoto banomsebenzi onokuthenjwa ophezulu kunamanye. Le yimiba eya kudlala xa izama ukufumanisa ukuba kungafanelekile ukuyichitha imali kwiwaranti eyongezelelweyo okanye i-inshurensi yokuphazamiseka kwemishini.
- Cinga ukuba ungalindela ixesha elingakanani ukugcina imoto yakho kwaye ulinganise iindleko zokubhengezwa ngeendleko zokulungiswa kwangaphambili
Ngaba Ndifanele Ndifumane I-Assurance Breakdown Insurance?
I-inshurensi ichazwa njengento yokukhusela kwiindleko ezingalindelekanga, ukuba unayo imali eyaneleyo yokuhlawula ngokungazalindelanga ukulungiswa ngokwakho, unokugqiba isigqibo sokuba uthathe umngcipheko kunye nokuqinisekisa ukuba ungathengi iwaranti eyongezelelweyo okanye ukukhutshwa kwe-inshurensi yokuchitha.
Unokuphinda ubuze le mibuzo ukuze ukwazi ukuba i-inshurensi yokuphazamiseka komatshini okanye iwaranti enwetshiwe ikulungele wena:
Imibuzo Yokubuza Ngaphambi Kokuthenga Intengiso Yomshuwalense
- Ziziphi izinto ezingabhengezwayo?
- Yintoni eya kutsalwa? Ingakanani i-deductible esebenzayo kwibango?
- Indlela yokwenza ibango okanye ukuhlawulwa?
- Ingaba i-coverage idluliselwa xa imoto ithengiswa?
- Ngaba zikhona na iimali ezifuneka zihlawulwe ngaphambili?
- Ziziphi iindleko ezifihliweyo?
- Ngaba zonke iindleko zomsebenzi zihlanganiswe?
- Iyintoni inkcazo yokugqoka kunye nokulila?
- Ngaba ukhululekile ukusebenzisa ivenkile yokulungisa ozikhethile? Ziziphi izitya zokulungisa ezigunyazisiweyo okanye ezivunyiweyo?
- Kwenzeka ntoni ukuba uhamba nomoto kwaye unenkinga?
- Kuze kube nini unokuhlaziya i-coverage yakho? Ngokomzekelo, ezinye iinkampani zomshuwalense aziyi kuphinda zihlaziywe emva kokuba ufikelele kwii-100 000 okanye i-7.
Ingaba kukho naziphi iinkcukacha ezongezelelweyo zomsebenzi we-inshorensi yokuchithwa kwee-inshorensi eza kukunika inzuzo ngaphezu kwewaranti enwebileyo yomthengisi?
Ukongeza kwi-flexibility yokuhlawula ngaphantsi kwaye ukhansele naliphi na isigqibo sokuba awuyidingi ukukhutshwa kwakhona, ezinye iinkqubo ze-inshorensi zokuchithwa komatshini zingabonelela ngeenzuzo ezingaphezulu kunye nezibonelelo. Buza ummeli wakho we-inshorensi okanye inkampani yomshuwalense ukuba ichaze oku kuwe, i-coverage iyahlukahluka yinkampani ye-inshurensi.