Ungayikhetha kanjani umshwalense ofanele wemoto okokuqala ngqa?

Umshwalense wezimoto uphoqelekile kuzo zonke izimoto, kodwa uma usuthole ilayisense lakho kuzoba nzima ukuthi ukhethe phakathi kwezinhlobo ezahlukene zomshuwalense. Kufanele uvikele imoto yakho yokuqala, futhi ukukhetha umshwalense kunzima kubashayeli abasebancane abakhokhelwa imali ethe xaxa ukuze baqinisekise imoto yabo ngenxa yesimo sabo. Ngakho-ke uwukhetha kanjani umshwalense wemoto?

Insurance Umshuwalense wokuzenzakalela, yini amathuba?

Okokuqala, udinga ukwazi amafomula ahlukahlukene anikezwa izinkampani zomshuwalense:

● Umshuwalense wemoto ovela eceleni (noma umshuwalense wesikweletu yifomula eyisibopho esezingeni eliphansi eFrance. Le nshuwalense, inketho eshibhe kunayo yonke, ifaka ukulimala kwempahla nokulimala komuntu okubangelwe umuntu wesithathu esimweni sengozi ebucayi. Kodwa-ke, izindleko ezibangelwe ukulimala kumshayeli noma izindlela zakhe zokuhamba, azimboziwe);

● Umshuwalense wezinkampani zangaphandle kanye (le nkontileka iphakathi komshuwalense oyisisekelo ovela kubantu besithathu kanye nefomula eliyingozi kakhulu. Lo mshuwalense uhlanganisa, ngokuya ngabomshwalense, ukulimala kwemoto yomshuwalense);

● Umshwalense ophelele wezimoto (noma umshwalense wengozi / wobungozi obuningi, umshwalense oyingozi kakhulu ubaluleke kakhulu ukuvikela izimoto. Uma kwenzeka ingozi, izokhokha ngokuphelele izindleko zokulungiswa, noma ngabe umshayeli unesibopho.);

● Umshuwalense wokuzenzakalelayo ngekhilomitha (kungaba ingxenye eyodwa kwezintathu, ingxenye eyodwa kwezintathu ngaphezulu noma zonke izingozi, kukhawulwe kumakhilomitha, kepha kunentengo ephansi kunomshuwalense wendabuko. Lokhu kunikezwa kushintshelwa abashayeli abahamba amakhilomitha amaningana.)!

Ngakho-ke, kunezindlela eziningi. Imihlahlandlela yokuqonda umehluko phakathi kwezinkontileka iyatholakala kuwebhusayithi yakwa-Selectra auto insurance.

🔎 Uyini umshayeli osemncane?

Manje udinga ukuqonda ukuthi sikhethekile kangakanani isimo somshayeli osemncane nokuthi kungani kusho izindleko eziphakeme zomshuwalense.

Okokuqala, lesi simo asihlangene neze neminyaka yokushayela. Lokhu kusho ukuthi umshayeli usaqala. Lokhu kusebenza kubashayeli abanelayisense yokushayela engaphansi kweminyaka emithathu, okungukuthi, ukuba semthethweni kwelayisense yokushayela ngesikhathi sokulingwa.

Ngaphezu kwalokho, izinkampani zomshuwalense wezimoto zengeza ezinye izigaba kulaba bashayeli abasha. Ngempela, abashayeli abasebasha babhekwa njenganoma ngubani ongazange athole umshwalense eminyakeni emithathu edlule.

Ngakho-ke, abashayeli bezimoto abangakaze banikwe umshwalense noma abashayeli abaphase le Khodi nezincwadi zokushayela ngemuva kokukhanselwa kubhekwa njengabashayeli abasebasha.

Ngakho-ke, ngokweKhodi Yomshwalense esihlokweni A.335-9-1, abashayeli abasebasha babhekwa njengabangenalwazi, okuvuma izindleko eziphezulu zomshuwalense. Ngokusho kwezinkampani zemishwalense, ubungozi bezingozi noma bokulimala buyanda uma umshayeli engenaso isipiliyoni sokushayela.

Isengezo somshayeli osemncane siyingxenye yonyaka ngaphambi kokugcina sinyamalale ngokuphelele ngemuva konyaka wesithathu. Ngakho-ke, i-premium eyengeziwe ingaba yi-100% ngonyaka wokuqala, i-50% ngonyaka wesibili, futhi ekugcineni i-25% ngonyaka wesithathu, ngaphambi kokunyamalala ngemuva kwesikhathi sokuhlolwa. Ngaphezu kwalokho, abashayeli abasebancane abalandela ukushayela okuphelezelwa babhekwa njengabashayeli abanolwazi oluningi. Isikhathi saso sincishisiwe saba yiminyaka emi-2 futhi singama-50% ngonyaka wokuqala nama-25% kowesibili.

💡 Kungani umshwalense ubiza kakhulu kumshayeli osemncane nokuthi ungawulungisa kanjani?

Ngakho-ke, umshayeli onesimo somshayeli osemncane kufanele akhokhe amaphrimiyamu angeziwe ukunxephezela ingozi ephezulu yokulahleka. Le nsalela ingafinyelela ngaphezulu kwe-100% yentengo yomshuwalense wezimoto.

Kodwa-ke, ukulungisa le mali enkulu, kukhona amathiphu womshuwalense nemoto:

● funa umshuwalense wemoto: Ukukhethwa komshuwalense kubaluleke kakhulu futhi kufanele kwenziwe kusengaphambili ukuthola lowo ohlangabezana kahle nezidingo zomshayeli nemoto okufanele ibe nomshwalense, njengoba intengo iyehluka kuye ngomshayeli, kodwa futhi imoto ukuba ibe nomshwalense;

● Ukuthengwa kwemoto: njengoba kushiwo ngenhla, inani lomshuwalense lixhomeke kubudala bemoto, izinketho zayo, amandla, njll. Ngakho-ke, kubalulekile ukukhetha imoto ngokuya ngalezi zindlela. Ngaphezu kwalokho, ngemoto esetshenzisiwe, akukhuthazwa njalo ukukhipha umshwalense ophelele, umshwalense obhekiswe kubantu besithathu unganele;

● ukushayela okuhambisana nakho kuncishiswa ngama-50% we-premium efakiwe;

● Ukubhaliswa njengomuntu osebenza naye ukugwema ukuthenga izindleko zemoto nezomshuwalense. Kwesinye isikhathi kungcono ukubhalisa njengomuntu osebenzisana naye ngaphansi kwenkontileka, okungafaki amalungelo angeziwe kubantu abasha ngaphandle kokunyusa intengo yomshwalense.

● Nciphisa izimali zomakhenikha ngokuqhathanisa izinsiza ezihlukile ezinikezwayo.

Ngakho-ke, ukuba ngumshayeli osemncane kudala izindleko ezengeziwe zomshuwalense, kepha manje usuyayazi indlela yokonga imali.