Oko Okufuneka Ukwazi Ngaphambi Kokukrazula Imoto Yakho
Ngubani omele abhalwe phantsi njengomqhubi?
Abanye abathwali bomshuwalense banqabile kunabanye xa beza kubani abafuna ukuba babhalwe kwi-inshuwalense yemoto njengomqhubi.
Zizo zitenxo kwiimfuno ezenza yonke inkqubo idideke. Kungabangela iingxaki zomthetho ukuba ngaba awuzange ubhale umqhubi okulindelwe ukuba ubhalwe kwi-benefit yakho yemali.
Umzekelo: Intombi yakho ihambe kunye nawe. Uyakuthanda zonke iinxalenye zakhe, ngaphandle kwerekhodi yakhe yokuqhuba . Akangenayo isithuthi kwaye ngoko umvumela ukuba aqhube lakho. Ukongeza kwakhe njengomqhubi kumgaqo-nkqubo wakho kuya kuphakamisa amanqanaba akho kakhulu. Kunoko, uyamvumela ukuba aqhube ngaphandle kokumthelela njengomqhubi.
Uthabatha udlala ngokuvumela umntu ohlala kwindlu yakho ukuba aqhube isithuthi sakho kwaye angabi nawo njengomqhubi odweliswe. Ngokuxhomekeke kwimithetho ye-inshurensi yomthetho inokwenzeka ukuba ibango liyakwenyulwa ukuba liye lengozi okanye lidale umonakalo kwisithuthi sakho-apho kwiindawo ezininzi kunokuthetha ukukhutshwa kwelayisenisi yakho yokungaphumeleli ngokufanelekileyo kwe-inshurensi yemoto.
Nangona kunjalo, kule mzekelo ungentla, imigaqo-nkqubo eninzi iya kubhalela ibango kunye nentombi yakho njengomqhubi kwaye imfune ukuba angeniswa njengomqhubi okanye angabandakanyi emva kwengozi.
Uninzi lwababathwali bomshuwalense lindele ukuba abantu abalandelayo babhalwe njengabaqhubi kwipolisi yakho:
• Amalungu entsapho alayisenisiweyo ahlala ekhaya
• Abaqhubi abanelayisenisi abangabandakanyekanga abahlala kwindlu
• Nabani na oqhuba isithuthi sakho kwaye akaqinisekanga phantsi komnye umgaqo-nkqubo
Ingaba ngumqhubi weselula ophethe imvume ephantsi komgaqo-nkqubo wam inshorensi?
Kwakhona, kuxhomekeke ngokupheleleyo kwinkqubo yakho yomshuwalense. Abanye abathwali bomshuwalense badinga ukuba abanini bemvume bayabhaliswa kumgaqo-nkqubo. Ezinye izithuthi zifuna kuphela ukuba abafaki abanelayisenisi bahlulwe. Njalo qwalasela i- agent ye-inshorensi yakho ukuqinisekisa ukuba uphelelwe kakuhle.
Abaqhubi Abaqhubi
Ngesinye ixesha unokuqiniseka ukuba awunayo ingxelo xa umqhubi angabandakanyi umoto wakho. Umqhubi uya kubandakanywa xa iifom zecandelo eliqinisekisiwe lichaza ukuba ziyaqonda ukuba umqhubi uya kukhutshwa ngaphandle kwenkcazo kwinqubomgomo ethile yomshuwalense wemoto. Umele ukwazi, ngaphandle kokubheka, ukuba ngaba ngabaqhubi abangekho ngaphandle kwipolisi yakho.
Ukugqithisa ngokuzenzekelayo abaqhubi kufuneka bahlangabezane nazo zonke iikhrayitheriya ezilandelayo:
• Wanika umqhubi imvume yokuqhuba isithuthi sakho
Oku kubandakanya intsapho, abahlobo, abasebenzisana nabo kunye nabani na abanegunya lokuqhuba isithuthi sakho
• Umntu akayilungu lekhaya lakho (oko kukuhlala nawe)
• Umntu unomgaqo-nkqubo womshuwalense wemoto
Abaqhubi abangabandakanyekanga abahlala kwindlu yakho
Esinye seziganeko ezincinci ziqikelela ukuba ngaba umqhubi ongahlaliyo ohlala kwindlu yakho kufuneka abhalwe kwi-inshurensi yemoto yomshuwalense.
Kuxhomekeke ngokupheleleyo kwi-inshurensi yakho. Abanye abathwali banqwenela ukuba ngamnye umqhubi welayisenisi ekhaya akholiswe okanye angabandakanywa kumgaqo-nkqubo. Nangona abanye beza kubhengezwa ngokukhawuleza nje ngokuba umqhubi unomgaqo-nkqubo wakhe womshuwalense wemoto. Kusemgangathweni wakho ukujonga ngumboneleli wakho womshuwalense ukwenzela ukuba ethile ipolisi yakho imiselwe ngokufanelekileyo.
Abaqhubi abangabikhoyo
Akukhuthazwa ukuba uvumele nawuphi na umqhubi angabhalwanga kwipolisi yakho engenayo inqwelo-mali yemoto yomshuwalense. Ukuba umqhubi ongaxhaswanga kufuneka aqhube isithuthi sakho, cela ummeli wakho we-inshurensi ukuba unako ukubongeza njengomqhubi. Ukuvumela umqhubi ongaxhaswanga ukuqhuba isithuthi sakho ucela ingxaki. Oku kunokuba nzima kakhulu xa ezi zilandelayo zifaka isicelo:
• Umqhubi ungumqhubi ophezulu (kubangoku baye benza ngokutsha ukuphulwa kwezithuthi ezifana ne-DUI)
• Umqhubi unelungelo lokurhoxiswa
• Ufihla umqhubi kwi-inshurensi yemoto yakho ngenjongo (Uxelelwe ukuba ungeze umqhubi kunye nokuxoka ngokungabikho ukufikelela okanye ukusetyenziswa ngumqhubi womqhubi)
Ngundoqo: ngamnye umgaqo-nkqubo we-inshorensi uhlukile, kwaye kulungile ukuthetha nommeli wakho we-inshorensi ethembekileyo ukuze uzikhusele ngokomthetho nangemali kwimiphumo emihle yokungabikho ngokungafanelekanga abaqhubi kwimigaqo-yomshuwalense yemoto yakho.