Ngaba kuyimfuneko?
I-inshurensi yokuVikela ngokuVikelekileyo okanye i-inshurensi ye-gap yanikelwa kuqala kubanikazi bemoto ekuqaleni kwawo-1980 njengendlela yokunciphisa ukuhla kwehla kwezithuthi ezithengiweyo. Ngeendleko zobunini bemoto ezenyukayo kunye nezicwangciso zenkxaso ngamanye amaxesha ezithatha iintlawulo ngaphandle kwemigangatho engama-72, abanikazi bezimoto babezifumanisa ngokwabo ngenxa yesithuthi esilungeleyo. Xa kwenzeka ilahleko epheleleyo , inkampani yomshuwalense ihlawula ixabiso lexabiso lemali yesithuthi.
I-inshurensi ye-Gap yenza umehluko phakathi kwexabiso langempela lemali yemoto, kunye nemali esele ihlawulwe kwiinkampani zezemali.
Yintoni efihliweyo?
I-inshurensi ye-Gap iya kubhubha ilahleko ngokupheleleyo kwisithuthi xa kwenzeka umlilo, ubusela, ukutshabalalisa, ukukhukula, ingozi, iindubhu, okanye iziphepho. Nayiphi na ilahleko eyobe ifunyenwe yi-inshorensi ebanzi okanye i-collision inshorensi iphinde ihlanganiswe yi-inshurensi ye-gap. Eminye imigaqo-nkqubo yegap igubungela i- inshurensi echithwayo Ukuba umgaqo-nkqubo we-gap uhlanganisa i-deductible, inani elithintekayo alibuyiswa kubuyiselwa kumnini wezithuthi. Endaweni yoko, inani le-insucucity deductible lisetyenziselwa inani lemali-mboleko engabikhokhelwa. Abanikazi beenqwelo zithuthi kufuneka bahlole iinkcukacha zabo zeengcingo ukuze baqiniseke ukuba bayazi kakuhle oko kufunyanwe ukuba kukho ilahleko epheleleyo.
Yintoni engekho?
Njalo ufunde umgaqo-nkqubo ngokucophelela ukufumanisa oko kungabandakanywa. Ukuba isithuthi asihlanganiswe ngokupheleleyo ngokubanzi kunye nokudibanisa , akukho nkonzo yokubonelela enikezelwa yinshurensi ye-gap.
Ukuqinisekiswa okuqinisekileyo, iintlawulo zemali-mboleko ezingapheliyo, kunye nezixhobo ezifakwe kwisithuthi esasingenayo ifom efakiweyo. Ukuba umnini weemoto uhlala ehlawulwa kwisithuthi aze athenge enye entsha, ehamba nge-balance, i-inshurensi ye-gap ayiyi kubhawula le ntlawulo ye-carryover.
Ngubani ovumelekile ukuthenga i-inshurensi ye-Gap?
Abanikazi bemoto abathengayo imoto yabo ngokwezimali eziqhelekileyo okanye inkxaso-mali ezinikezelwa ngumthengisi bafanelekile ukuba bafumane i-gap coverage.
Nangona kunjalo, ukuba imoto ithengiwe ngomgca wekhredithi njengomgca we-credit equity line , inqwelo-mali ayifanelekile kule ngxelo.
Ngubani ofuna i-inshurensi ye-Gap?
Abantu abathengisa izithuthi zabo ngeentlawulo ezincinane okanye ezingekho phantsi kwelayisenisi kunye neerhafu zerhafu ezifakwe kwiindleko zemboleko yazo ziphela ngokugqithiseleyo zihlawulise ngaphezulu kwimoto yazo kunokuba zifanelekile. Naliphi ixesha ixesha lemali-mboleko yemali engaphezulu kwexabiso lezithuthi, kuyacetyiswa ukuthenga i-inshurensi ye-gap.
Kuphi ukuthenga i-inshurensi ye-Gap
I-inshurensi ye-Gap idlalwa yinkampani yenkampani yinshuwalense njengenketho ekhoyo xa kuthengwa ukukhawulelana. Ingathengwa njengendlela yokuzimelela yedwa ngumthengisi wemoto okanye ngekampani yezemali yemoto. Nangona kunjalo, i-coverage ayisebenzisekanga ngaphandle kokuba umonakalo owenziwe ngumonakalo kunye nemida emncinci yomgaqo-mboleko iyathengwa. Ixabiso lokuthenga le nkcazo ekhethiweyo ngokuqhelekileyo ijikeleze iipesenti ezintlanu ze-premium ye-premium yokubambisana okubanzi kunye nokudibanisa.
Izizathu zokungathengi i-Intanethi ye-Gap
Akuyena wonke umntu unesidingo sokuthenga i-inshurensi ye-gap. Abanikazi bemoto abanayo imoto apho ixabiso lidlula inani lemali-mali ayinaso isidingo sokuthenga le nkcazo eyongezelelweyo.
Ukuba umnini ukhuselekile kwiimeko zakhe zezimali kunye nokukwazi kwakhe ukuqhuba iintlawulo zeemoto ukuhlawula umlinganiselo wemali-mboleko esele ikhona, i-gap coverage ingaba yindleko engadingekile. Abathengi bemoto, abaxhasayo ngezithuthi zabo kwixesha elifutshane-mboleko ezinjengeenyanga ezintandathu okanye omnye unyaka, abayidingi le ngxelo. Ukuba i-insured ine-apiver ye-gap, isivumelwano apho inkampani yezemali iyavuma ukuhlula umlinganiselo phakathi kwexabiso langempela lemali kunye noko kuhlawulwa kwisithuthi xa kwenzeka ilahleko elipheleleyo, akukho mfuneko yokuthenga i-inshurensi ye-gap.
Imbuyiselo yeGap
Emva kokuba inqwelo ihlawulwe, nayiphi na i-premium engayifumani ibuyiswe kwi-insured. Ngokomzekelo, ukuba imoto ixhaswa ngemali kwiinyanga ezingama-48 kodwa ihlawulwa kwiinyanga ezingama-24, iindleko zee-premium zeminyaka emibili zibuyiselwe kwi-insured njengesiqhelo se-gap sihlawulwa ngokukhawuleza.
Ukongeza, umnini wemoto othengisa okanye ohlaziyayo imoto uyabuyiselwa imali. Xa kuhlaziywa imoto, umnini kufuneka aqiniseke ukuba ucela i-gap coverage yongezwa ukuqinisekisa ukuba uhlanganiswe kwimeko yokulahlekelwa kwemoto.
Ummeli wakho we-inshorensi unokukwazi ukukunceda ukuba ugqibe ukuba ngaba ufuna ukuthenga i-inshurensi ye-gap. Ingxelo yokuzikhethela ejoliswe kwiimoto ezintsha. Ngokufaka i-gap coverage kwi-collision coverage, awuyi kuba noxanduva lohlawulelo lwemali mboleko ngenxa yokuba isithuthi sakho sibandakanyeka kwengozi yokulahlekelwa ngokupheleleyo. Ekugqibeleni, kuya kufuneka wenze isigqibo ukuba ucinga ukuba iindleko ze-inshurensi zifanelekile kuwe.