Uncedo lokuqonda iiRenewals
Uya kufumana iphepha lokubhengezwa kunye nolunye ulwazi oluchaza umgaqo-nkqubo wakho. Ubungqina obutsha bomshuwalense bubanzi luhlanganiswe nolwazi lokuvuselela.
Ngabe Inqubomgomo Yomshuwalense ivuselela nini?
Umhla wokuhlaziywa komgaqo-nkqubo wakho womshuwalense ususelwa ngomhla wokuqalisa komgaqo-nkqubo. Ngoko kunokwenzeka ukuba kwenzeke naliphi na unyaka wonyaka kuxhomekeke ekubeni uqale nini umgaqo-nkqubo. Enye into ekuqaliseni umhla wokuhlaziywa kwakho ubude besikhathi sakho somgaqo-nkqubo . Iipolisi zihlala zivuselelwa ngonyaka okanye ngonyaka.
Eminye imigaqo-nkqubo yemoto ivalwe kulo nyaka opheleleyo. Imigaqo-nkqubo yabanini-mhlaba isoloko unyaka omnye kunye ne- motorcycle , isikebhe kunye ne-RV nkqubo ihlaziywa rhoqo ngonyaka.
Kuqhelekile ukuba inomgaqo-nkqubo we-auto uvuselele zonke iinyanga ezintandathu. Ezinye izithuthuthu, isikebhe, kunye ne-RV nkqubo kwakhona ivuselela ngonyaka.
Ulwazi lokuhlaziywa luvame ukuthunyelwa okanye lithunyelwe nge-imeyili kuwe kwiintsuku ezingama-45 ukuya kwi-30 ngaphambi kokuhlaziywa kwakho.
Uya kufumana iphepha lokubhengezwa kunye nolunye ulwazi oluchaza umgaqo-nkqubo wakho. Ubungqina obutsha bomshuwalense luvame ukuhlanganiswa nekhasi lokumemezela.
Inshorensi yam ivuselela ngokukhawuleza. Ngaba Ngaba Kufuneka Ndiyenze?
Ukuhlaziywa kwakho ngexesha elifanelekileyo lokuphonononga umgaqo-nkqubo wakho ukuqinisekisa ii- izaphulelo okanye ukwenza utshintsho kwi-coverage.
Yisikhumbuzo esihle kuba ngezinye iinshurensi kulula ukulibala ukuba awunayo isidingo sokuyisebenzisa ngoku kutshanje. Lixesha elifanelekileyo lokuqhagamshelana nommeli wakho we- inshorensi ukuhlaziya umgaqo-nkqubo wakho.
Kubalulekile ukuqhubeka nokwenza iintlawulo zakho. Ukwenza inkokhelo yakho ikwazise inkampani yomshuwalense ofuna ukuqhubeka nomgaqo-nkqubo. Kubaluleke kakhulu ukuhlawula ukuhlaziywa kwexesha lakho ngenxa yokuba abanye abathwali abavumeli nayiphi na ixesha lokubakho ukuhlaziywa. Kubalulekile ukuba ukhansele umgaqo-nkqubo wakho we-inshorensi ukuba awufuni ukuqhubeka ngenxa yokuba ezinye iinkampani zandisa ixesha lobabalo kwaye zingakuhlawula ixesha lokubonga xa ungabaxeleli ukukhansela.
Kutheni Inkokhelo Yokuvuselela I-inshurensi Yayo Yenyukela?
Kunokwenzeka ukuba wonke umntu aqinisekiswe ngumbutho onikezelweyo ukwenyuka kwenyuka . Amaxabiso omshuwalense alawulwa yilizwe kwaye ukwanda kunokwenzeka ngenxa yomsebenzi wokwanda kwebango. Ukuba umthumeli we-inshurensi ulahlekelwa yimali, nokuba ngumqhubi omhle ongenakho izingozi okanye amathikithi anganako ukunyuka kwamazinga. Gcina nje engqondweni, kusekho izinga eliphantsi kunomntu onokuphulwa.
Kwakhona kunokwenzeka ukuba ukwanda komngcipheko womqhubi kunokuchaphazela izinga lakho. Ukuba ufumene ukwephulwa kwezithuthi okanye ubandakanyeke engozi yengozi , ngaphezulu kwimivuzo yakho yomshuwalense iya kunyuswa xa uhlaziywa.
Ngenxa yokunyuka kweendleko zoshishino lomshuwalense, kukulungele ukukhupha kwaye ulindele ukwanda kwezinga. Ngokutsho kukaJames Lynch, umphathi oyintloko kwi-Institute Information Information, "Nangona ungekho utshintsho kwirekhodi yakho, kukho ithuba elihle lakho lokuba uphakamise ukuhlaziywa okulandelayo." Kutheni oku kwenzekayo? Nangona inani lezengozi liyehla ekupheleni kweminyaka elishumi edlulileyo, ezi ngozi zifumana unobundlobongela kwaye zibulalayo-kwaye ngaloo ndlela ziza ne-inshurensi ephezulu. Ngokutsho kweBhunga loPhando lwe-Inshorensi, ngelixa inani lamabango okulimala komzimba liye lawa ngama-14.5% kwiminyaka yamuva, ukuhlawula okuqhelekileyo kuye kwaphakama i-32% epheleleyo.
Ngaba Ndingenza Utshintsho Ngaphambi Kokuvuselelwa Kwam?
Ukukhutshwa ngokuzenzekelayo kudla ngokutshintshwa phakathi kokuvuselelwa, kodwa kuyahluke kwiithuthuthu, iiRV kunye neenqanawa.
Ngamanye amaxesha i- inshurensi zithintela utshintsho kule nkqubo ukuvuselela kuphela. Ukongeza izithuthi kuhlale kunokwenzeka, kodwa ukujonga kunye nokucima izithuthi ezikhoyo akunako. Hlola kunye nomthengisi wakho womshuwalense ukuze ubone oko kufumanekayo ngokubhekiselele ekutshintshelweni kwesikhokelo sakho ngesithuthuthu, isikhephe okanye uRV.
Isilinganiselo sam senyuke i-$ 10 Le Nyanga kwaye akusilo Umhla Wokuvuselela
Ngoko ukuba iirhafu ziguquka kuphela ekuhlaziyweni, usenokuzibuza ukuba kutheni ufumana i-dollar eyongezelelweyo eyi-dollar ayi-10. Ngokuqhelekileyo, ukuba ubona ukutshintsha kwezinga lokugqibela kwintlawulo. Ukugxotha nokuhlawula inyanga inyanga yakho kwinqubomgomo yakho yomshuwalense kuya kubangela imali ekhoyo. Imirhumo yexesha elifutshane ihlawulela kwixabiso ukusuka kwi-5 ukuya kwi-15 idola. Enye into enhle malunga neemali ezidlulileyo ziza kuhamba emva kwenyanga ezayo nje xa uhlawula ngexesha.
I-inshorensi yokuvuselelwa komgaqo-nkqubo yinxalenye esemgangathweni yinshorensi Yonke imigaqo-nkqubo yokuvuselela kunye neenkampani zomshuwalense zinakho ukulungisa kwakhona inani lakho le-inshurensi. Sebenzisa ukuvuselela okulandelayo njengesikhumbuzo sokuhlaziya umgaqo wakho kwaye ucinge ngeenguqu ezinokwenzeka.