Ukuba unemoto, okanye ucinga ukuyithenga, uyazi ukuba, ukongeza ekubekweni kwemali ekufuneka ujongane nakho ukuthenga, kufuneka wabele imali ukuze ufumane onke amaphepha oyifunayo ukuze ijikeleze imoto: ubhaliso, imvume yokuhamba kunye ewe, nayo i-inshurensi. Kodwa uthetha nge-inshurensi yemoto, ngokugqitha okanye ngaphandle kokugqitha?
Ukuba ngoku sikubeke kwifayile ye- Ubungqina bokungazi nokuba i-inshurensi yemoto ene-excess okanye ngaphandle kwemfuneko ingconoSiyathemba ukuba, ngalento siza kwenza izimvo ngayo apha ngezantsi, ungathatha esona sigqibo silungileyo kwityala lakho.
Yintoni engcono, i-inshurensi yemoto kunye okanye ngaphandle kokugqitha?
Xa uqesha i-inshurensi yemoto, eyona nto iqhelekileyo kukuba, ngakumbi ukuba intsha, ufuna olona khuseleko lubalaseleyo kuyo. Sithetha ngokukugubungela eyona nkxaso igqibeleleyo ukuze, nantoni na eyenzekayo, i-inshurensi yemoto yakho iyiphendule. Ingxaki kukuba into oyifunayo ayinakuba yile nto ubucwangcise ukuyabela uhlahlo-lwabiwo mali lweinshurensi. Ngamanye amagama, i-inshurensi ebanzi nayo yonke into egutyungelweyo inokubiza kakhulu.
Ngesi sizathu, abanye bakhetha i-inshurensi yomntu wesithathu, okanye nangokhuseleko oluncinci, olona lusisiseko, kuba abanako ukuhlawula inkcitho egqithileyo. Nangona kunjalo, kukho ukhetho oluphakathi apho unokugcina khona inxenye yeinshurensi, eya kuthi ibe yinshurensi yemoto ngokugqithileyo. Kodwa, Nguwuphi umahluko phakathi kweinshurensi yemoto ngokugqithileyo okanye ngaphandle kokugqitha?
I-inshurensi yemoto ngaphandle kokugqitha
Masiqale sichaze ukuba ingaba yintoni i-inshurensi yemoto ngaphandle kokugqitha. Ngokwenene Ayaziwa njalo, kodwa iyaqondakala njenge "inshurensi epheleleyo". Oko kukuthi, i-inshurensi engayi kugubungela uxanduva olunyanzelekileyo loluntu kuphela (into esisiseko ekufuneka ihanjiswe yimoto), kodwa iya kubandakanya nokunye ukugubungela okunje ngeglasi kunye neefestile, imililo, ubusela, umonakalo wakho, iingozi zomqhubi, umthetho ukhuselo, uncedo lokuhamba, ibango lomonakalo ...
Oku kuthetha ukuba, ukuba kukho ingozi, ilahleko, ukwahlukana, njl., Inkampani yeinshurensi iya kuyikhathalela imbuyekezo kubantu besithathu ababandakanyekayo, ukonakaliswa kwezithuthi, abakhweli, njl. Kuhlala kukho umda apho i-inshurensi iphendula khona, kodwa oku kufuneka kufike kumgaqo-nkqubo.
Konke oku kuza ngexabiso, kwaye loo nto yeyokuba i-inshurensi inokubiza kakhulu ngonyaka.
I-inshurensi yemoto ngokugqithileyo
Xa kuziwa kwi-inshurensi yemoto ngokugqithileyo, uyakufumanisa ukuba i-inshurensi, oko kukuthi, umnini-inshurensi, uya kuba noxanduva lwepesenti kuphela ukujongana nomonakalo inokubangela okanye ifumane ngenxa yengozi okanye ilahleko.
Le inshurensi ihlala ikhethwa ngabantu esele benamava ngokwaneleyo emva kwevili kwaye abangakhange babenazo iingozi okanye iingxaki xa beqhuba kuba besazi ukuba ukuphatha kwabo akunasiphoso kwaye, ngokubanzi, abayi kuba nangxaki ngeengozi. Ithetha ntoni le nto? Ewe, uya kugutyungelwa ngokufanayo nange-inshurensi ngaphandle kokugqitha, kodwa kuba uthatha uxanduva kwinxalenye yoxanduva (kwaye ke kuya kufuneka uhlawule ukuba kukho into eyenzakeleyo) i-inshurensi yona ayibizi.
Oko kukuthi, cinga ukuba ufuna ukwenza i-inshurensi ebanzi yemoto. Ngaphandle kwemfuneko, kubiza i-euro ezingama-500, kodwa ngokugqithisileyo iya kwi-250 euro. Ayisiyo into yokuba sisibonelelo okanye kuthethathethwano, kodwa ukuba kukho ingozi okanye ukungqubana, kuya kufuneka uhlawule inxenye yolo lungiselelo, echaziweyo kumgaqo-nkqubo, ngelixa enye iya kuhlawulwa yi-inshurensi .
Eyona inshurensi ifanelekileyo yeinshurensi ngaphandle
Ukuba into oyifunayo kukuqasha eyona inshurensi yemoto ngaphandle kokugqitha, enye apho, ukuba kukho into eyenzekayo, awuzukuphendula ngemali yakho kunye nezinto onazo, iya kuba yeyona ibonisiweyo. Ngoku, ayiyiyo eyomntu wonke.
Ngokukodwa, Iprofayile efanelekileyo yeinshurensi ngaphandle kokugqitha yile:
- Abaqhubi abanamava amancinci, nokuba kungoku nje bafumene ilayisensi yabo, kuba abayikulawula imoto, njl.
- Abantu abahlala befumana iingozi zeemoto, oko kukuthi, banike iindawo kwi-inshurensi yeengozi, ukubetha, njl.
- Abo basebenzisa imoto yonke imihla, kwaye bahamba imigama emide ngayo. Abantu abaninzi bahlala kwiimoto zabo kuba yindlela yokuhamba ukuya ezinkampanini kwaye bafuna i-inshurensi yemoto ebaphendula ngokwenene xa kukho into eyenzekayo.
- Abo bashiya imoto kwiindawo "eziyingozi", kwaye kukushiya imoto esitratweni sele kulindelwe ukuba bafumane ingozi (umlilo, ubusela, ukubetha ...).
I-inshurensi efanelekileyo ye-inshurensi eqinisekisiweyo
Kwimeko yeinshurensi yemoto ngokugqithileyo, iprofayile yomsebenzisi ayifani neyangaphambili, kodwa, ukunqanda ukoyikisa okanye ukuhlawula isixa semali ngenxa yokungakhathali okanye iingozi zesithuthi, Iinshurensi ezingcono ziya kuba:
- Abaqhubi abanamava.
- Abaqhubi abangakhange banike iinxalenye kwi-inshurensi. Oku kufuneka kujongwe kwinqanaba lehlabathi kuba, kunyaka ophelileyo, ngekhe ubonelele ngamacandelo, kodwa ukuba wenze njalo rhoqo ngaphambili, kuya kufuneka ujonge ukuba kungenxa yokuba "ufundile" okanye njengombandela amathamsanqa".
- Abantu abangasebenzisi sithuthi yonke imihla. Banokuba ngabantu abathi, nokuba bayisebenzisa yonke imihla, benze njalo kwindawo abayaziyo ngokugqibeleleyo kwaye apho kungekho ngozi okanye amacandelo aneendawo ezimnyama zengozi.
- Abo banemoto ekhuselweyo, oko kukuthi, ayihlali esitalatweni kwaye ayijongananga nemingcipheko ebalulekileyo njengomlilo, ubusela, njl.
- Abo bathobela ngokungqongqo ulondolozo lwesithuthi.
Ke yintoni engcono, i-inshurensi kunye okanye ngaphandle kwayo?
Isigqibo sokugqibela sixhomekeke kuwe kuphela. Ngokwenene esona sibonelelo sikhulu phakathi kweinshurensi yemoto kunye okanye ngaphandle kwemfuneko ziindleko ezisezantsi zangaphambili kodwa, ukubuyisela, kuya kufuneka ujongane nemali yakho kwimeko yengozi.
Kungcono ukuvavanya umgaqo-nkqubo ngamnye kwaye uthathe esona sigqibo sifanelekileyo ngokusekwe kuhlahlo-lwabiwo mali kunye nento oyifunayo ngokwenene kwi-inshurensi yemoto.