Umqhubi ophezulu oMngcipheko ulingana ne-Inqanaba leNkcazo yeMali
Uninzi lwabaqhubi abafumani ixabiso eliphezulu kakhulu le- inshorensi . Ngoko ke, abaninzi abaqhubi banomngcipheko ophezulu kunezo ezimbalwa ezibizwa ngokuba ngumngcipheko wokuqhuba . Zine zeendlela eziqhelekileyo zokungatholi ixabiso elifanelekileyo kakhulu zibandakanya:
1. Ukungenazo i- Best Insurance Inqaku leNkcazo yeMali
Ukuba inkampani yakho yomshuwalense ikuthumelele isaziso esichaza ukuba awufumani umlinganiselo ophezulu kakhulu ngenxa yamanqaku akho ekhredithi, ungakhathazeki. Amanqaku amahle kakhulu kunzima ukufumana. Usenokuba ufumana isaphulelo esihle sokuzinza kwezemali kunye namanqaku akho okwangoku. Iinkampani zomshuwalense ziye zabopha amanqaku ekhredithi ngamathuba okubango. Ngoko ukuba awufumani umgangatho ongcono kakhulu wekhredithi, uthathwa njengomngcipheko ophezulu kunomntu onamanqaku aphezulu.
2. Ukuba neNyathelo loLwaphulo lweZithuthi okanye kwiNgeko yokuPhepha
Kunye ukuphulwa kwezithuthi kukubeka engozini enkulu kunomntu ongenakho. Kuyakhathazeka xa usuhambe iminyaka kunye neminyaka ungenayo itikiti ukuze ufumane umrhumo othe xaxa ukuba ulahlekelwe encinane kwisigwebo. Abanye abathwala i-inshurensi banikela ngeentsimbi ezongezelelweyo kunye neengcingo zolu hlobo olukhuselekileyo oluya kubakho ukuphulwa komntwana omnye ngomqhubi.
Nangona kunjalo, uhlawula umrhumo omncinci ukuze ufumane ithikithi.
Okufanayo kuya kwiingozi zephutha. Ukufakela ibango yindlela eqinisekileyo yomlilo yokuqwalasela ingozi enkulu. Ngamanye amaxesha ungekho ngamatyala atyala angakhuphula amaxabiso akho. Abathwali be-inshurensi baye bafumana indlela yokuba ugweme ezo zonyuka ngokuthenga i-Accident Forgiveness.
Yona khetho eyongezelelweyo oza kuhlawula eyongezelelweyo kwindawo yokukhangela umthwalo emva kwengozi.
3. Ukuba ngumqhubi osemtsha
Kuyinyaniso, abaqhubi abancinci akufanele benze into engalunganga ukuba ithathwa njengengozi ephezulu kunomqhubi onobudala. Ubudala babo bodwa bakhawuleza babeka kwixabiso eliphezulu lentengo. Abaqhubi abancinci abaninzi abasemngciphekweni kunye nokuphulwa kweendlela ezandisa ubunzima be- inshorensi ephezulu . Bonke abaqhubi bahamba ngeli xesha lengozi enkulu.
- Izaphulelo ze-Inqwelo-mali ye-Car
- Indlela yokufumana iIntshurensi yemoto kwiCandelo lokuqala lokuTshayela
- Indlela Yokufumana Inqwelo-mali Engabizi Namaxabiso Kwabantwana
4. Ayingabi neKhaya
Ngokuqhelekileyo isigxina esiphezulu esingumngcipheko kunye nomntu ongeyena umnini ahambe kunye. Kodwa, isaphulelo sekhaya singasilungela xa ucinga ngako, abanini bezindlu kufuneka bangabonwa njengengozi ephezulu kunabanini bezindlu kwamehlo abathwali bomshuwalense . Iinkampani zomshuwalense ezinjengezozinzo nokuzinza ikhaya liyinxalenye enkulu yokuzinza. Iinkampani ezininzi ze-inshurensi ze-intanethi aziyi kubala ngokusekelwe kubunikazi basekhaya .
Umqhubi ophezulu wobungozi obonisa umqhubi ongafanelanga ukuba umphathiswa okhethiweyo uyisebenzise ngokuqhelekileyo kwekota.
Izindlela ezintathu eziqhelekileyo zokuba ngumqhubi oyinyaniso mngcipheko ziquka:
1. I-DUI / DWI
Uninzi lwabatshali bayazi ukuba i-DUI ithetha i-inshurensi ephakamileyo, nangona kunjalo, abaninzi bayamangalisa ukubona isaziso sokusukela kwisithandi sabo sithandayo emva kwetikiti. Izithuthi ezikhethiweyo azixhomekekanga ukuphulwa okukhulu. Emva kokuba umphathiswa okhethiweyo uyazi ngokuphulwa kwakho okukhulu, umgaqo-nkqubo uza kukhutshwa ngokuhlaziywa .
2. Ulwaphulo oluninzi lwezithuthi
Ukuphulwa kwamanyathelo amaninzi kumanqaku ayisithandathu kubonisa ukuba awuyi kuphinda ufanelekele umphathi we- inshorensi ekhethiweyo . Ingaba yimishmash yamatekethi kunye neengozi zephutha ukudala amanqaku asixhenxe okanye ngaphezulu. Xa kuziwa kwiingozi zengozi -polisi akudingeki ukuba kukhuphe ithikithi yamaphupha e-inshorensi ukuba ifakwe kwingxelo yakho. Ingozi enye yemoto kunye nefowuni ehlawulwayo ihlala yingozi yengozi ngaphandle kweemeko.
- Ngaba ndingumqhubi ophezulu weengozi?
- Imithetho yokuLawulwa kweeFowuni yelizwe nguMbuso
3. Akukho Nnshurensi yangaphambili
Ukuqhuba ngaphandle kwomshuwalense kukuchasene nomthetho. Ngelishwa, kuncinci kakhulu okungenakwenziwe kubaqhubi abangenayo i-inshurensi yangaphambili. Ukuqhuba isithuthi kufana nokuqhelekileyo kubomi bethu bemihla ngemihla, iinkampani zomshuwalense zinesizathu esihle sokukholelwa ukuba uqhube ngexesha elithile ngaphandle kwe-inshurensi. Ukuba nelayisenisi yokuqhuba ngokufanelekileyo kuthetha ukuba kufuneka ube ne- inshurensi yemoto ngenye indlela. Ngaphandle kobungqina bokuba ubuncinane benyanga ezintandathu ze-inshorensi eqhubekayo, uthathwa njengomqhubi ophezulu.
- Gwema i-Car Insurance Insurance
- Yintoni eyenzekayo xa Ndingakhethi Ukuthenga Inqwelo-mali Yomshuwalense kwaye Njalo Ndiyifake Imoto Yami?
Wonke umntu okhuselekile ngumngcipheko wokuqhuba uhlobo oluthile. Abaninzi abaqhubi banelungelo lokufumana umgangatho ophezulu kakhulu. Abaqhubi abasemgangathweni bahlala benendawo yokuphucula. Ukwazi ukuba umi uyisinyathelo sokuqala ekuphuculeni irekhodi lakho.
Masixoxe! Nceda ndilandele kwi-Twitter @CarInsBuka kwakhona