Ukuba uhlala nomntu osemtsha, umntu omdala kakhulu, okanye umntu oye waba neengozi ezininzi, okanye aphile nomnye umntu onayo ilayisensi yomqhubi ngaphandle kokuhamba kodwa akalokothi aqhube isithuthi, kuya kuba yindleko kakhulu ukubhala phantsi ilungu lomntu kwi-inshorensi yakho. Ukuba bahlala kwindlu yakho, kunjalo, awukwazi nje ukuwashiya uluhlu lwabaqhubi abanelayisenisi kwi-inshurensi yakho okanye unako?
Kukho ukhetho olulodwa: abaqhubi ngaphandle. Uluhlu lomntu kunye nomqhubi ongabandakanyiyo unokukugcina imali. Kubalulekile ukwazi ukuba ubani ongabandakanyiyo kunye nokuqinisekileyo, ukuba ukhumbule (kunye nokuqinisekisa ukuba bayakhumbula) into yokuba ayibandakanyiweyo kwaye ayigcinwanga ngumgaqo-nkqubo wakho womshuwalense. Umqhubi ongabandakanywa akayi kuba necala lokuxanduva okanye umonakalo emzimbeni xa uqhuba izithuthi ezibhalwe kwi -inshuwalense yemoto .
01 Kutheni unokuba nomqhubi ngaphandle komgaqo-nkqubo we-inshurensi yemoto?
1) Umphathiswa we-inshurensi angathanda ukuba umqhubi angabandakanywa okanye akhuphe yonke ipolisi . Izizathu eziqhelekileyo zokungabandakanyi umqhubi uya kuba yirekhodi eliqhuba kakubi, ilayisenisi emisiwe okanye amaninzi amaninzi.
2) Unokufuna ukukhuphela ngaphandle abantwana bakho ngenxa yokuba awufuni ukuhlawula amazinga aphezulu ukuze uwaqinisekise , okanye awalandeli imithetho kwaye akavunyelwe ukuqhuba. Mhlawumbi, lakho iqabane lifumana i-DUI kwaye ayinayo ilayisenisi yokuqhuba.
Zininzi izizathu zokuba wenze ngaphandle kokuqhuba umqhubi. Kukho bobabini inzuzo kunye neengxaki zokungabandakanyi umqhubi. Kubaluleke kakhulu umnini-nkqubo we-inshorensi kwaye umntu ongekho ngaphandle kokuqonda imigaqo yabaqhubi abangabandakanywa ngokupheleleyo.
02 Ngaba umqhubi okhutshwe ngaphandle ungathintela indleko yomshuwalense?
Ngelishwa, ukuba nomqhubi odweliswe ngokungabandakanywa kwimigaqo yomshuwalense wemoto yakho unokubiza ngakumbi xa kuthelekiswa nokungabi nomqhubi odweliswe naphina kwipolisi yakho. Nangona umqhubi akhankanywe kwi-coverage, ngokuqhelekileyo basasafanelekile kunyango. Kwaye njengelungu lendlu yakho, ukuxhaswa kwezonyango zemali yomshuwalense yongezelelweyo kuxhomekeke kwinqanaba elikhethiweyo kwipolisi yakho.
Ukuluhlula umqhubi njengoko ungabandakanyiyo ngokuqhelekileyo kuncinci kunokuba uwongezelele njengomqhubi. Ngokuqhelekileyo umqhubi akhankanywe ngenxa yokuba ngumqhubi ophezulu kwaye abashayeli beengozi kakhulu bayabiza kakhulu ukuqinisekisa.
03 Kwenzeka ntoni ukuba umqhubi angabandakanyi umoto wam?
Abaqhubi ababengazimele bafanele baqhube isithuthi apho bengabandakanyi khona. Kuyafana nokuqhuba ngokungena-inshurensi . Ukuba kwenzeka ingozi, zombini umnini wezithuthi kunye nomqhubi ongabandakanywayo unokubanjelwa ngokwakhe ukuba abe nemfanelo yokulimala.
04 Ndingazi njani ukuba umqhubi akafakiwe?
Abaqhubi abakwazi ukukhutshwa ngaphandle kwemvume ebizwa ngokuba yi-insured . Ukugunyaza umqhubi wakho ongasifaki isignesha iyadingeka kwifomu yokukhutshwa komqhubi. Ukuba ufumana isaziso sokukhansela kwinkampani yakho yomshuwalense ngenxa yomqhubi omubi kwipolisi yakho, buza ukuba akukho ngaphandle komqhubi ophezulu wobungozi.
Iindawo ezimbalwa zokujonga ipolisi yakho ukufumanisa ukuba ngaba umqhubi akhankanyiwe ubungqina bakho bomshuwalense okanye iphepha lokubhengeza. Okanye, vele ubiza umnxeba wakho we-inshorensi ukuqinisekisa.
05 Kude kube nini umqhubi engekho?
Ubude bokukhutshwa buxhomekeke kwisizathu sokukhutshwa kwindawo yokuqala. Xa umqhubi engabandakanyiyo unalo irekhodi elifanelekileyo lokuqhuba kunye nelayisenisi yokuqhuba ngokufanelekileyo iyakwazi ukubadweliswe njengomqhubi.
06 Unokwenza njani umqhubi ngaphandle kokufaneleka ukuqhuba kwakhona?
Ngokuqhelekileyo, ukubuyisela umqhubi ongekho ngaphandle njengomqhubi okhuselekile ofuna ukuthetha kunye negosa lakho le- inshorensi . Ukuqinisekiswa kwelayisenisi evumelekileyo kunye nerekhodi yokuqhuba kufuneka kuhanjiswe. Kufuneka kube yinkqubo yokukhawuleza neyentlungu.
07 Ngaba zonke izithwali ze-inshorensi zenza ukuba umqhubi we-insulatory akwazi?
Hayi, ezinye iithwali ezithandayo zingavumeli ukuba umqhubi angabandakanywa. Ukuba umqhubi omnye ekhaya akavumelekanga, ngoko ke yonke indlu. Kuxhomekeke kwinkampani yomshuwalense.
08 Ingaba umqhubi makabekwa ngaphandle kwenkqubo yomshuwalense kodwa uyagcinwa kwenye?
Ewe. Kuyacaca ukuba izithuthi ezahlukeneyo ziya kubandakanywa, kodwa kunokwenzeka. Ukungabikho komqhubi kubhekiselele kumgaqo-nkqubo apho bengabandakanywa khona.
Abaqhubi abangabandakanyeki bayimfuneko kwimigaqo yomshuwalense wemoto, nangona kunjalo, ungcono ukuphepha yonke into efuna ukuba umntu angabandakanywa. Uhlawula imali eninzi yomshuwalense wemoto yakho kwaye awufuni ukufumana ungaxhaswanga naliphi na isizathu. Khumbula ukuba awukhupheli umqhubi kwi-inshurensi yemoto yakho kwaye ungamvumeli loo mntu ukuba aqhube imoto yakho phantsi kwayo nayiphi na imeko.