Ukuba usandul 'ufikelele umthi utyumla imoto yakho, mhlawumbi uyazibuza ukuba i-inshurensi yakho iya kuhlawula umonakalo.
Ukuba unesigxina somyinge welizwe, mhlawumbi ungenalo inhlanhla. Inyhuwalense yemfanelo ayiyi kuguqula "isenzo sikaThixo," njengoko kuyaziwa, okanye kulo mzekelo, isenzo somthi. Indlela kuphela yomshuwalense womshuwalense oya kuwugubungela umthi owileyo emotweni yakho ngowokuthenga uncedo olubanzi lwe-inshurensi ngaphambi kokuba umonakalo uvele.
Iintlobo zomonakalo woMthi owileyo
Ukupaka imoto yakho ngaphandle rhoqo kushiya imoto yakho ibangelwa ngumonakalo wesiqhumane. Igalelo elikhulu kumonakalo wepropati liwela imithi ngexesha lomoya oqhwithelayo kunye neziphepho zekhephu. Ingxelo epheleleyo iya kulungisa umonakalo kwimithi emibili ngenxa yokuphelelwa yimimoya nekhephu, kunye nezinye iimeko zomonakalo wesiqhumane ezifana nesichotho somonakalo . Kodwa ukupaka imoto yakho phantsi kwe-carport okanye ngaphakathi kwegalaji yindlela efanelekileyo yokuphepha lo monakalo kwindawo yokuqala.
Umthi owileyo ofile
Imithi efile idla ngokuwa kwemithi emva kwexesha elide. Ngamanye amaxesha xa uhamba ngomgwaqo, umthi omkhulu womthi okanye umthi wonke ungawa phantsi.
Naliphi na ixesha xa imoto yakho ishaywa yinto ewayo, ukukhutshwa okubanzi kuza kubandakanya iindleko zokulungiswa kwisithuthi sakho, unciphise i-deductible yakho.
Ukubetha Umthi Owelele Ngendlela
Ukubetha umthi osele sele uwele kwindlela ulawulwa ngokwahlukileyo kunomthi owe phezu kwesithuthi sakho. Ukuhamba kunye nomthi olele kwindlela kubhekwe ukudibana.
Ukubambisana ngokubambisana kuyakufuneka kubhalwe kwi-inshurensi yemoto yakho ukwenzela ukuba inkampani yakho ye-inshorensi ihlawule ukulungiswa. I-deductible yakho iya kusebenza ngaphandle kokuba ukhawuleza ukuncitshiswa okuncitshiswayo kunye nenketho echithwayo . Uwuphi umehluko phakathi komthi owela emotweni yakho nokubetha enye elele endleleni? Kusoloko uxanduva lwakho ukukhangela izithintelo endleleni, kwaye kufuneka ukwazi ukuyeka ngaphandle kokuxabana. Izinto eziwelayo zihlala zingenakunqandwa, nto leyo eyenza ihlanganiswe yinshurensi epheleleyo.
Ndingayiphatha njani Umonakalo Wemihlaba Ngomshurensi Wam?
Qinisekisa ukuthatha iifoto ezininzi kwaye uxwebhu lwezinto zonke! Emva koko, faka ibango lakho nenkampani yakho yomshuwalense. Buza ummeli wakho we-inshurensi okanye ummeli wamabango ukuba ungenzani ukukhawulezisa inkqubo yebango. Uninzi iinkampani zikuvumela ukuba uthathe izithixo zomthi kwisithuthi ukuze umsebenzi uqale ukususa umthi kwaye mhlawumbi ube nesithuthi. Kunconywa ukusebenzisa inkampani ye-inshorensi yecandelo le-inshorensi yokukhetha ukunyanzela inkqubo ngakumbi.
Ngokucacileyo, umthi owela kwimoto yakho ungabangela umonakalo omkhulu. Ukukhusela okusemgangathweni kwesithuthi sakho kugcinwe kwigaraji. Ewe, akunakwenzeka njalo.
Ukuba uhlala upaka ngaphandle kwimihlathi, ngokuqinisekileyo cinga ukufaka ingxelo epheleleyo kwimigaqo yomshuwalense wemoto ukwenzela ukuba ukhuselwe ngokulahlekelwa.