I-inshurensi yokuThengisa eyaziwa ngokuba yiNgqiqo epheleleyo
Ngokwenene, akukho yomshuwalense wemoto obizwa ngokuba ngumshuwalense wokugcina.
Ngokwenene luhlobo lwesigxina sabantu abantu basebenzisa ixesha elide kuba ligosa elikhethiweyo xa iimoto zifakwa "ukugcinwa." Ngamanye amagama, ngenjongo yokucinga nge-inshurensi, imoto egcinwe kuyo ayiqhutyelwa ixesha elide. Ukuba awuyikuqhuba imoto yakho eninzi, nangona uhlala unesi-inshorensi yemfanelo, yinto efanelekileyo ukuphakamisa i-ante yakho kwihlobo lokuqala. I-coverage esithetha ngayo yinkcazo epheleleyo .
Kodwa kutheni ufuna ukuchitha imali eninzi kwizithuthi zakho xa ungakhange uliqhube? Impendulo emfutshane: kuba izingozi zihlala zenzeka. Ukukhusela ngokupheleleyo isithuthi esilondolozwe ngomlilo , ukweba , ukuwa kwesakhiwo, ukuchithwa kwempahla , kunye nayiphi na umonakalo onokuthi kwenzeke kwi sithuthi ngelixa ehleli. Ngaba uyayazi i-inshurensi yasekhaya ayifihla ngokuzenzekelayo nawuphi na umonakalo kwimoto?
Kungenzeka ukuba ufumane umgibeli okhethekileyo kwimoto egcinwe kwipolisi yekhaya, kodwa ezininzi iinkampani azikunikezi. Ngoko kuthetha ukuba, ukuba igaraji lakho linomlilo, kuphela umgaqo-nkqubo womshuwalense wecala uza kugubungela imoto. Impendulo engapheliyo: ukuba imoto iyayigcinwa, unokuvumela ukuba ikharityhulam yakho ilahleke, oku kuthetha ukuba akuyona into ekhethileyo ekugqibeleni.
Ngubani Ongayifaka Imoto Yabo Kusitoreji?
Uninzi lwababathwali bomshuwalense aluyi kuvumela umgaqo-nkqubo we-inshurensi yemoto yomshuwalense ukuba ube negalelo elipheleleyo kuphela. Ukunciphisa zonke ezinye iincwadi zokungabikho kuzo, kunye nokuphelisa okufunekayo ngokomthetho (kwiindawo ezininzi), ukukhutshwa kweemfanelo kudinga ukuba isithuthi singaqhutyelwa kuyo nayiphi na indlela yoluntu. Nangona kunjalo, awuyi kuqhuba isithuthi sakho, imigaqo-nkqubo ye-inshorensi ayilungiselelwe ngale ndlela. Nabani na onomshuwalense wenqwelo-mali yemoto kufuneka abe neenqwelo-moya eziqhutyelwayo ngaphandle kokuba unomgaqo-nkqubo ongeyena umnini apho ungeke ube ngumnikazi wezithuthi ezibandakanyekayo. Udidekile okwamanje? Ukubeka nje, igama eliqinisekisiwe limele libe neenqwelo ezingaphezulu kweyodwa kwi-inshuwalense yemoto ukuze ubeke enye kwisitoreji. Ngoba? Ewe, andiyiyifumene nemithetho, ndabhala nje ngabo.
Ndingayifaka nini I-Car My In Storage?
Uninzi lwemigaqo-inshorensi yemoto iyavumela ukuba ukugqithiselwa kuguqulwe naliphi na ixesha ngexesha lomgaqo-nkqubo. Ngamanye amaxesha ukukhutshwa komonakalo owenziwe ngomzimba kubandakanya ukukhutshwa okubanzi kunokubanda kwi-policy, ukuba kukho inhlekelele enkulu yendalo , njengesiqhwithi. Ngeli xesha, ungeke ukwazi ukufaka ingxelo ebanzi kwisithuthi.
Ngifanele Ndibe Nifake Njani Imoto Yami Ngokugcinwa?
Kungenxa yokuba unako ukuthetha ukuba kufuneka ubeke imoto yakho kwindawo yokugcina.
Ukubeka isithuthi ekugcinweni kukukhulu kulabo bantu abanezithuthi ezininzi kwaye baqhuba enye ngexesha ngalinye. Ngokuqhelekileyo isetyenziselwa iimoto zezemidlalo ezingayisebenzanga kakuhle kwiinyanga zasebusika okanye zibaluleke gqitha ukuba ziphume kwiindawo. Mhlawumbi uzuze ilifa kwaye awuyikuqhuba ngoku okanye mhlawumbi ufuna ukulinda ukuthengisa isithuthi kodwa ufuna ukuba ikhuseleke ukuba ingonakali. Ukuqwalasela ngokubanzi isisombululo esipheleleyo kuba ngokuqhelekileyo sithengeka kakhulu.
Into ebaluleke kakhulu ukuyikhumbula ngokubeka isithuthi kwindawo yokugcina kukubiza umnxeba wakho we-inshurensi ukuba ungeze ingxelo yokubuya emva kokuba iya kuqhutywa. Nangona ixesha elilodwa liqhuba umgama omfutshane ukusuka kwikhaya lakho kwivenkile yomzimba okanye naphi na, khaza umnxeba wakho we-inshurensi! Into yokugqibela oyifunayo kukuba udibaniso olungenazo i-inshurensi yemoto .
Akukhuthazwa ukuthatha isithuthi ngaphakathi nokukhutshwa rhoqo. Yile ndlela iiphoso ezenziwe ngayo. Inkonzo yomshuwalense iyona nto ingcono yokulondolozwa kwexesha. Ukuzama ukulondoloza amabhasi ambalwa ngokutshintsha i-coverage ye- biweekly kunokukubiza kakhulu xa ukhohlwa kwaye uqhuba isithuthi ngaphandle kokubhengezwa okufanelekileyo.
Yenza izigqibo ezintle nge-inshurensi yemoto yakho. Ukunciphisa ukukhutshwa xa isithuthi singasetyenzisiwe kuyindlela enhle yokugcina imali kwi-inshurensi yemoto. Yisebenzise ukuze uyisebenzise kwaye ukhumbule ukuhlala uhlola ingxelo yakho ngaphambi kokuphuma kwindlela yokuqala.