Izinketho zobusika kwiiKhuthuthu
Inqwelo-mali yokugcina i-Motorcycle, ngokubanzi, ibhekisela kwirekhodi oyithengayo kwiinyanga zasebusika okanye nayiphi na ixesha xa uyazi ukuba awuyi kukhwele isithuthuthu sakho. Iinkampani ze-inshurensi zihlala ziguqukela kwaye ezinye azibe zinikela ngemigaqo-nkqubo. Funda kabanzi malunga ne-inshurensi yokugcina kunye nezinye iindlela ezikhethwa kuzo kwiinyanga ezibusika xa ungekhwele ngesithuthuthu sakho.
01 Beka i-Motorcycle kwiSitoreji
Ukunciphisa i-inshurensi yakho ye-motyhuse ukuba ibe yindlela kuphela yendabuko yokusingatha i-inshuwalense ye-motorcycle kwiinyanga ezibusika. Ngelishwa, iinkampani zomshuwalense zifumene ukuba oku kukukhokelela ekuthengeni ngokubanzi ngabathengi kunye nokulahleka kwengeniso kubo. Iinkampani ezininzi zihambahamba ekunikeni ukunikezelwa ngokubanzi kuphela ngeesithuthuthu, kodwa kusenokwenzeka ukuba zifumane.
02 Ukunciphisa Umyinge kwiNyanga zaseBusika
Abanye abathwala i-inshorensi abavumeli i-inshorensi yokugcinwa kwiimoto zonyaka ngenxa yokuba ixesha lokuchithwa liyakhiwa kwi- premium . I-premium encinciweyo eyakhelwe yongeza ezinye iinzuzo kuwe, kodwa inokuziva ixabiso elihlawulela ukuhlawula ngokupheleleyo kwi-offseason.
Abanye ababolekisi bafuna ukukhutshwa ngokugcwele unyaka wonke. Ukuba isithuthuthu sakho siqinisekisiwe nenkampani enika isantya se-layup esakhelwe mhlawumbi sisona sihle kakhulu. Ngaphezu koko, yonke ixesha imozulu ishintsha, isithuthuthu sakho siya kulungela ukukhwela ngaphandle kokukhathazeka nge-inshurensi.
Ukuba unyanzelekile ukuba uqhube ngokugcwele kwisikhitiki sakho kodwa ungakhange ugibele ixesha elide, unokucela ukuphakamisa ama-deductibles akho kunye nokunciphisa umda wakho weemfanelo zesikhashana. Ubungakanani belahleko, ngelixa ungenaye ugibele ibhayisikili, ncinane, okwenza umngcipheko ube lula ukuba uhlawule i-deductible. Naliphi na ixesha ophakamisa ama-deductibles akho kwaye unciphise umda wakho wemfanelo, i-premium yakho iya kuhla, kukunceda ukuba ufumane i-inshurensi yexabiso eliphantsi . Kubalulekile ukuba ukhumbule ukutshintshela ingxelo yakho emva kokuba kukhange kwakhona, kungenjalo, uhamba usengozini yokuhlawula imali enkulu!
03 Ukukhansela Umgaqo-nkqubo Wezithuthuthu
Enye inketho kukukhansela umgaqo-nkqubo wakho phakathi neenyanga zasebusika. Le ndlela iphakanyiswa kuphela ukuba uhamba ngebhayisikili yakho kunye nekhawuntyali kuphela. Ukuba awukhuseli i-bike yakho ngokumalunga nomzimba xa ugibela, mhlawumbi unokukhathazeka malunga nayo ngelixa igcinwa, nangona ukuba ingeyona ingqiqo efanelekileyo ukuba inokwenene.
Kodwa ngokuqinisekileyo akusisiqinisekiso sokuthi ukugcina isithuthuthu sakho akunakubeka ingozi. Kukho ithuba elincinci lokufuna ukukhutshwa kweemfanelo ngelixa isithuthuthu sakho simiswe. Umzekelo, ukuba ibhayisikili yakho iwela kumntu, inkokhelo yomshuwalense iya kubeka isigwebo. Ukuba uthatha isigqibo sokukhansela umgaqo-nkqubo wakho we-motorcycle, qiniseka ukuba uhamba nebhayisikili kwindawo ekhuselekileyo ngamaxesha onke.
Intshurensi yithuthuthu iyinxalenye ebalulekileyo yokuba ngumnikazi webhayisikili. Ukuthatha ingqalelo kunye nokucima isithuthuthu sakho kudala umngcipheko wokungabikho kwithuba lokusetyenziswa ngokufanelekileyo xa kufuneka. Njalo qinisekisa utshintsho lwakho ngokuhlaziya iphepha lakho lokuvakalisa . Zibeke izikhumbuzo ukuze uqinisekise ukuba nayiphina ixesha lokukhutshwa kwendlela yokukhutshwa okanye ukuncitshiswa kuhlawulwa kwakhona ngaphambi kokuba uhambe ngokukhwela.
Xa ubeka isithuthuthu sakho phezulu ebusika, ungalibali malunga nomgaqo-nkqubo we-inshurensi yakho. Inqwelo yomshuwalense yokugcina i-Motorcycle yindlela enhle yokunciphisa iindleko kwaye usakhusela ifa lakho elixabisekileyo. Ukuba umthumeli wakho we-inshorensi akayi kunika i-inshorensi yokugcina, akuyona into embi. Ezinye iinketho zifumaneka kuwe njengokunciphisa ukukhutshwa okanye ukukhansela umgaqo-nkqubo wakho ngokupheleleyo.