Ngokuqinisekileyo, izibini ezingatshatanga ziqala ukuthenga i-inshurensi yemoto yabo kunye. Kwaye ucinga ukuba ubudlelwane bebunzima ngokwaneleyo?
Ukuqinisekisa Umntu Wenye Imoto
Ubomi basetyenziswa ukulula. Yiloo nto nabani na abaye bahlala kwithuba elide banokuthi. Xa kufike kwi-inshorensi yemoto, izibini ezitshatileyo ziya kufumana umgaqo-nkqubo womshuwalense odibeneyo kwizithuthi zabo. Abanikazi abangabodwa bathengile imigaqo-nkqubo yabo eyahlukeneyo. Yonke ingqiqweni kuba yayisisiseko somgaqo-siseko wokubambisa i-inshurensi: inzala engenasisigxina. Ingqiqo yomdla onokungaqiniseki uyinto elula. Ukuze kuqinisekiswe into (umntu okanye into), umnini-mgaqo-nkqubo (okanye umxhamli-mali) kufuneka abe nesithakazelo esifanelekileyo, esinqununu, esinokubonakalayo kwinto eqinisekisiwe. Ngomoto, umzekelo, inzala ekhuselekile iya kuba ngumnikazi kwisithuthi ngokwawo. Kubonakala kucacile, akunjalo?
Ubomi abuyinto elula, nangona kunjalo.
Enye into, ngokuza kubambisene ngokusemthethweni kunye kunye nenani elikhulu labantu abatshatileyo abahlala ndawonye, imida phakathi "otshatileyo" kunye "engatshatanga" iphazamisekile. Namhlanje, ezininzi iingqabane ezingatshatanga zinezixhobo eziphathekayo ezifana nepropati yangempela, kunye nezokwabelana ngezinto ezibonakalayo kwezinye izinto, njengemoto.
Ngenxa yoko, ukwahlula okucacileyo phakathi kwezinto ezithintekayo kwaye akuzange kubekho ukuphazamiseka, ukukhokelela iinkampani ze-inshorensi ukucinga kwakhona ngemigaqo elandelayo kwimigaqo yokubhala.
Omnye utshintsho oluninzi lwabaqhankqalazi benzile ukuvumela imibhangqwana engatshatanga, kubandakanye nalabo basebenzisaneni bekhaya, ukuthenga imigaqo-nkqubo ye-inshurensi yemoto. Kukho izizathu ezibini zezi zinto. Iyokuqala kukuba iinkampani ze-inshorensi ziqonda ukuba iibini zanamhlanje, nangona zingatshatanga ngokomthetho, zikarhulumente kunye nezobudlelwane obude bexesha elide ezibonelela ngezinga lokuzinza kunye nomngcipheko omncinci abafunayo bango-inshurensi. Okwesibini, kukho umbandela okhulayo we-inshurensi ehlanganyelweyo ngabantu abatshatileyo nabasetyhini abanqwenela ukungena kwizenzo.
Ingaba isebenza kanjani
Lo ngumbuzo onzima ukuphendula. Ngenxa yokuba le ndawo intsha yomshuwalense, iinkqubo kunye neenkcukacha ezibandakanyekayo ziyaqhubeka. Kukho izinto ezininzi ezithandwayo, kuquka imithetho yelizwe kunye nemithetho yeenkampani zomshuwalense kunye neenkcazelo. Inyaniso kukuba ukuba ucinga ngokufumana umgaqo-nkqubo oquka imoto yakho okanye intombazana yakho, uya kufuneka wenze uphando kwaye mhlawumbi uthethe nabanqabanqabana abaninzi ukuba babone okokuqala ukuba ngaba banikela ngemigaqo-nkqubo kunye kunye, okwesibini, imigaqo kufuneka bafaneleke.
Nazi izinto ezimbalwa zokugcina engqondweni:
- Yintoni eyenza "isiqabane esingatshatanga" ngenjongo yomshuwalense wemoto? Le yinye apho iinguqu ezihlukeneyo kwaye zichanekile. Kwiimeko ezininzi, umanyano womthetho uya kusebenza. Enye yinto apho isibini esitshatileyo siphila ndawonye kwindawo yokuhlala ekhaya. Ngamanye amagama, phantsi kophahla olufanayo. Enyanisweni, eli liphantse liyimfuneko. Enye into yokuba iinkampani ezimbalwa ziqala ukuqwalasela izibini ezithandwayo ukuba zitshatile kodwa zingahlali ndawonye. Kwakhona, uya ku funeka wenze enye indawo yokuthenga ukuzithenga ukuze ubone ukuba zeziphi iinkqubo ezahlukeneyo kunye neenkampani kufuneka zithethe ngolu hlobo.
- Umgaqo-nkqubo unokufuneka ube negama elinye lamlingane. Emva koko, kungase kube ngamagama omabini, kuxhomekeke kwinqununu. Ezinye iinkampani ziza kugxininisa ukuba elinye iqabane liyi-insured eyintloko kunye nelinye elithiwa njenge-secured insured okanye eyongezelelweyo.
- Ababini kuya kufuneka bavumelane ngokusetyenzwa kweentlobo ezahlukeneyo kunye nemida. Iziganeko ezininzi, iqabane ngalinye liza kungena neendlela ezahlukeneyo zokubhengezwa, ukulinganiswa kweemali, iindleko ze-premium, i-deductibles, njl njl. Ukuba zihlose ukudibanisa iifowuni kunye nomgaqo-nkqubo ohlangeneyo, kuya kufuneka zikhethe isethi esisodwa somsebenzi osebenzayo kubo bobabini abalingani kunye zabo izithuthi.
Kungenxa yokuba Ukwazi, Akuthethi ukuba Ufanele
Uninzi lwezibini zicinga ngokuzenzekelayo ukuba ukuba zidibanisa i-inshurensi yazo kumgaqo omnye baya kuzigcina imali. Akunjalo. Ukuba elinye iqabane linalo irekhodi elibi lokuqhuba , umgaqo-nkqubo odibeneyo unokuphelisa ukuxabisa iqabane lakhe kunye nerekodi engcono kwii-premium zakhe. Kwakhona, khumbula ukuba ukwenza izinto ngokubambisana kunokuphela kokubangela iingxaki xa ufuna "ukuzibandakanya".
Ngoko, masibuyele kumbuzo wokuqala: Ngaba ndingayifaka imoto yam yesoka? Impendulo engcono kukuba unokwenza oko kodwa, xa kuthethwa konke kwaye kwenziwe, ungafuni ukukwenza.