Yivume. Unomthamo wemoto. Okanye ukhetha "umculi wemoto." Anditsho ukuba kukho into engalunganga ngayo. Kodwa makhe sijamelane nayo, xa uhlawule ngemali yokuqala ye-antique yakho yeemoto kwaye sele uhleli egalaji yakho, kufuneka uphendule imibuzo enzima. Kwaye omnye wabo utsho, "ndingayifaka njani umntwana wam omtsha?"
Yintoni kanye "imoto ye-antique"?
Into yokuqala kufuneka uyenze ukuba ngaba unayo " imoto ye-antique " okanye ingenayo impendulo elula kulo mbuzo. Iinkcazo zihluka phakathi kwabanikazi bemoto, phakathi kwee-arhente zorhulumente kunye phakathi kweenkampani zomshuwalense. Ngokomzekelo, i-Antique Automobile Club yaseMelika ibona imoto ye-antique nje ngomntu ongaphezu kweminyaka engamashumi amane anesihlanu ubudala. Ngakolunye uhlangothi, ngenjongo yokubhalisa, urhulumente waseMichigan uchaza imoto ye-antitique njengenye eyenziwe ubuncinane kwiminyaka engamashumi amabini anesithandathu edlulileyo kwaye "isetyenziswe njengento yomqokeleli." Ngendlela, ukwahlula kudlalwa phakathi "I-antique", "iklasi" kunye ne "imivuno" yemoto.
Nangona abaqokeleli kunye noorhulumente boorhulumente bangaphikisana nokuhlukana kunye nokufaneleka kwezichaso zabo, xa kuziwa kwi-inshorensi, uya kwenza kakuhle ukuba uqonde ngokucacileyo imigaqo-nkqubo ye-insurer yakho ekhethiweyo. Oko kuthetha ukutshekisha kwi-arhente yakho ngaphambi kokuthenga i-inshorensi okanye, ukuba sele unayo, hlaziya iinguqu kumgaqo-nkqubo wakho.
Iimoto ze-antique ziqinisekisiwe njani?
Into yokuqala eya kwenzeka xa uhlala phantsi nomniki-nshurensi kukuba ngaba bobabini benu baya kugqiba "ixabiso elivunyelweneyo" lesithuthi sakho. Ngokuqhelekileyo, ixabiso elivunyelweneyo lichongwe li-appraisal. Kubaluleke kakhulu ukuba, kwimeko apho i-antitique yakho eyinqabileyo ibonakaliswe, intshabalalisiwe okanye ibiwe, i-inshorensi yakho ikuhlawula ixabiso elivunyelweneyo kwisithuthi sakho kwaye, andiyi kuphinda, "ayikho" imali ekhoyo "okanye" echazwe ". Qiniseka ukuba igosa lakho liyakuqonda oku kwaye lifunde ipolisi yakho ngokucophelela!
Kwakhona kubaluleke kakhulu ukuqonda imigaqo yokusetyenziswa kweemoto zakho ze-antique. Imigaqo ingahluka ngokuthe ngqo ukusuka kwinkampani ukuya kwenkampani, kodwa yonke imigaqo-nkqubo ye-antique iya kunciphisa kakhulu indlela ongayisebenzisa ngayo isithuthi sakho. Ngokuqhelekileyo uya kugqitywa ekusebenziseni kwimiboniso yemoto, imiboniso, iziganeko zeglabhu yezemoto, iimfesane kunye nemisebenzi efanayo. Iinkampani ezininzi ziquka umda ochazwe ngokukodwa wokumitha. Yaye ininzi iya kufuna ukuba imoto yakho ye-antique igcinwe ngendlela ekhethekileyo xa ingasetyenziswa. Ngoko, cacisa ngendlela oceba ukuyisebenzisa nokugcina isithuthi sakho phambi kokuba ungene ngemvume kuyo nayiphina ipolisi.
Ndiyifumana njani i-insurer efanelekileyo?
Emva kokuba unqume ukuba unemoto ye-antique, yiyiphi ixabiso elivunyelweneyo kunye nendlela uzimisele ukuyisebenzisa ngayo, indawo efanelekileyo yokuqala ukukhangela i-inshurensi efanelekileyo inommeli wakho womshuwalense womshuwalense okanye inkampani. Uninzi lwababoneleli abakhulu banabhala nemigaqo-nkqubo ye-antitique, isivini kunye neemoto zakudala. Khangela kwakhona i- specialty insurers . Kukho inani labo ngaphandle. Qiniseka ukuba uyaqonda iinkcazo zenkampani nganye, imigangatho kunye neerhafu. Fumana ulwazi kwiinkampani eziliqela. Kungathatha ixesha elithile kwifowuni nakwi-intanethi, kodwa ukufumana i-inshorensi ye-insancer right iyakusindisa imali kwaye mhlawumbi i-headache enkulu ngaphantsi kwendlela.
Nazi ezinye iindaba ezilungileyo kuzo zonke iingxaki zakho. I-inshorensi yemoto ye-Antique isoloko ibiza kakhulu xa ifaniswa ne-inshorensi rhoqo.
Kungenxa yokuba i-insurers iyaxabisa ukunakekelwa okhethekileyo kunye nokunakekelwa kwakho unike imoto yakho ye-antitique kwaye ikuvulele. Ngoko, faka ngexesha kunye nomgudu owenzayo ukufumana i-antique auto auto insurance. Uya kuvuya xa wenza.