Ngaba Ufanele Usike iindleko ngokuthatha i-Intshurensi yokuTyala engeNcinci?
Inqwelo yomshuwalense yemoto iyona nkcazelo ebalulekileyo kwi- inshurensi yemoto yomshuwalense . Kuthethwa kukukhusela ukuba ufunyanwe uxanduva okanye uxanduva lento ethile. Thatha umzekelo ukonakalisa imoto yomntu kwindawo yokupaka xa uvula umnyango wakho. Inqwerensi yakho yemfanelo yomshuwalense iya kugubungela umonakalo kwimoto yabo.
Ukuba unomthwalo wengozi, okanye uqhube kwi-propertyones ethile, ngoko unyanzelekile, ngoko ke yinthorensi yemfanelo eya kufuneka iguqulwe.
Iimfuno zokuzibophelela zivela kwimithetho yoxanduva lwemali, ngoko urhulumente ngamnye unemiqathango eyahlukeneyo yomda wemfanelo.
Enye inxalenye yemigaqo ye-inshurensi yemfanelo yomshuwalense yokhuseleko lomthetho. Yithi uhlawuliswe ngenxa yento ofunyenweyo ejongene nayo xa uqhuba. Emva koko i- inshurensi yemfanelo ye-inshorensi yemoto iya kugubungela igqwetha lakho kunye neerhafu zenkundla .
Umthwalo kwimigaqo yakho yemoto unokubonelela ngokukhawuleza kwengozi yomzimba, ngengozi okanye ngomntu ngamnye. Le mida kunye neemfuno ziyahluka ngurhulumente.
Yiyiphi imilinganiselo engaphantsi kweMoto ?
Umlinganiselo omncinci wemfanelo yomshuwalense wemoto yinto efunekayo ngumthetho kwimeko nganye ngaphambi kokuba umntu aqhube. Unyanzelekile ukuba uthwale umthwalo wemali yomshuwalense wemoto ukusuka kwimeko ohlala kuyo. Ngelishwa, abaninzi banquma i-inshorensi yemfanelo enyanzelekileyo yomthetho ukuba bazame ukugcina imali kodwa, kwiimeko ezininzi, ingcinga engalunganga.
Umda we-inshorensi yemfanelo yobuncinane yemthethweni yokuqhuba i-drive ingaba yiyona nto ibhalwa kuyo yonke into. Umzekelo, ngoku ukuba uyazi ukuba yiyiphi inkokhelo yomshuwalense wemoto kunye nendlela osebenza ngayo, masithi sithethelelwe into enokuthi uyimfanelo kwaye ufumene ubuncinci bomshuwalense wemoto ofunekayo kwimeko yakho.
Oko kuthetha ukuba naluphi na umlinganiselo onyanisekileyo owukhethile, yile mali eninzi oya kuwusebenzisa kuyo nayiphi na umonakalo onokuzibophelela kuyo nayiphi na inqununu yomthetho ongayimfuneko . Ukuqwalasela ukuba kubaluleke kangakanani ukuba negosa lize liphume enkundleni, ngaba uyayithemba inkokhelo yakho yomshuwalense wemoto?
Iimfuno zeeNqwelo zeeNqwelo zeeNqwelo zeeNqwelo zeeNqwelo zeeNqwelo zeeNqwelo zeeNqwelo zeeNqwelo
Ukuba uhamba okanye uthathe uhambo lweendlela, unobangela obongezelelekileyo uxanduva lwe-inshurensi yemoto yakho. Ngokomzekelo, ukuba uhamba ukuya eCanada, kufuneka ube neyona mingeni ephezulu enokuthi yongezwe kwimoto yakho kuba imithetho yaseKhanada iyahluke kwaye kuya kuba ngcono ukukhusela kwaye ugweme ukugwetyelwa ngemali engaphaya kwenkxaso yakho.
Sifake uluhlu olubanzi olunika uluvo olugqithiseleyo lwemfuno ze-inshurensi yemoto kunye nendlela ezihluka ngayo ngurhulumente. Nangona ungeke uhambe kweli lizwe, unengcamango enhle ukubona indlela iimfuno zifani ngayo kuba zizibonakaliso ezifanelekileyo zento nganye yombuso eye yabona njengengozi. Ukulimala komzimba kunye neendleko zokufumana ezongezelelweyo ziyahlukahluka ngenxa yokuba imithetho malunga nokuxanduva kunye nokuxanduva lwezemali kuhlukile kwilizwe lonke. Yisoloko ilungileyo ukucinga imida ephakamileyo ukuzikhusela ngokupheleleyo.
Yiyiphi iNani Elihle kakhulu leNqwelo-mali yeNqwelo yeNqwelo-mali?
Oku kucacile ukuba ngumbuzo oya ku funeka uzimisele ngokwawo ngamnye. Kukulungele ukusebenza kunye ne-inshente ethembekileyo enokuziqonda iimfuno zakho kunye nohlahlo lwabiwo-mali. Nangona kunjalo, ngokuqhelekileyo yamkelwa phakathi kwee- inshorensi ukuba i-minimum minimum policy policy limits
Iimali zithintelo zithini kwi-Car Policy?
Uya kufuneka uqonde ukuba imida eyahlukileyo yintoni kwinxalenye yakho yemfanelo yemali yomshuwalense wemoto yakho ukuze ubone ukuba unobuninzi obunayo kwi-policy yakho. I-coverage yakho yemfanelo idlalwa njengoluhlu lwamanani, umzekelo, 100/300/100. Oku kuya kuthetha ukuba:
100,000 ngomntu ngamnye ngenxa yokulimala komzimba
300,000 ngengozi yokulimala komzimba
100,000 ngengozi yomonakalo wepropati
Ngaba Inqwelo Yomshuwalense Yobungozi Ngaba Iimoto Zobungozi Bam
Akunjalo, umonakalo kwimoto yakho uhlanganiswe phantsi kwezinto ezinobungozi obuphezulu kunye nobundlululo.
Ezi zinto azibandakanyi kwi-coverage. Kufuneka uzicelele ngokukodwa.
Kuthekani ukuba Ndifuna Ngaphandle Ubungqina Bomshuwalense ?
Abaninzi bacinga ukongeza kwiprogram yomshuwalense yomshuwalense wenkcazo eyongeziweyo. I-inshorensi ye-Umbrella yenzelwe ukunika enye inqobo yokukhusela isinyanzelo ngaphezu nangaphezulu kwemida yokuzibophezela kumnini wabanini , imoto, kunye nemigudu yeminshurensi yomntu. Ngomgaqo-mboniso, kuxhomekeke kwinkampani yenkampani yomshuwalense, umntu unokungongeza i-1-5 yezigidi ekukhuseleni uxanduva. Olu khuselo lusetyenziswe "ukukhawulwa" xa uxanduva lweminye imigaqo-nkqubo yangoku sele iphelile.