Ungayikhetha kanjani umshwalense wesithuthuthu kumshayeli osemncane?
Okuqukethwe
Umshuwalense osemncane wesithuthuthu yenzelwe noma ngubani oshayela isithuthuthu okokuqala noma onelayisense yokushayela isikhathi esingaphansi kweminyaka emithathu. Ngakho-ke, uma usanda kuthenga ibhayisikili elinamasondo amabili noma usanda kuthola ilayisense, uthathwa njenge- "newbie" kulolu daba. Ngakho-ke, noma ngabe uneminyaka emingaki, ungena esigabeni "sabashayeli abasebasha". Okufanayo kuyasebenza uma ngasizathu simbe ilayisense yakho yezithuthuthu inqatshiwe futhi udinga ukuyithola kabusha.
Kodwa qaphela! Akuzona zonke izinhlobo zomshuwalense wezithuthuthu zabashayeli abasha ezidalwe zilingana. Amanye amawaranti ayimpoqo kanti amanye ayazikhethela. Futhi ukuze ube nomshwalense omuhle, kufanele uthathe isikhathi sokukhetha umshwalense wesithuthuthu womshayeli osemusha.
Ungayikhetha kanjani inkontileka yomshuwalense wesithuthuthu somshayeli osemncane? Uyini umshuwalense wabashayeli abasebasha? Thola konke odinga ukukwazi ukuze ukhethe umshwalense ofanele ngaphambi kokuqala uhambo lwakho lwesithuthuthu.
Ukukhetha umshuwalense wesithuthuthu ofanele womshayeli osemusha - imibandela okufanele icatshangelwe
Into ebaluleke kakhulu lapho uthenga umshwalense ikhwalithi ephezulu kanye nokufakwa okuphelele. Futhi lokhu, ngeshwa, kuvame ukuhambisana ne-premium ephezulu. Yingakho, phakathi kwezinqubo okufanele zicatshangelwe lapho kukhethwa umshwalense bese kuba yinkontileka yomshwalense, intengo ayibalulekile kakhulu.
Yiqiniso, ukuthola umshwalense omuhle ngentengo eshibhe akuyona into engenakwenzeka. Kodwa into esemqoka, ikakhulukazi uma ungumshayeli wezithuthuthu osemusha, ukuthi ube nekhava engcono kakhulu. Futhi uma uthola eshibhe kakhulu emakethe, kunenzuzo enkulu. Ukuthola umshwalense omuhle kakhulu wesithuthuthu womshayeli osemusha, kufanele ucabangele:
- I-albhamu
- Isimanga
- Inani le-Franchise
- Ukukhishwa Kwamawaranti
- Inani lesinxephezelo
Futhi-ke, futhi udinga ukuqinisekisa ukuthi uthola umshuwalense ofanele isabelomali sakho.
Ukukhetha umshwalense wesithuthuthu kumshayeli osemusha - Iziqinisekiso
Njengomshayeli osemncane, uzokwazi ukukhetha phakathi kweziqinisekiso eziphoqelekile nezikhethwa kukho.
Iziqinisekiso eziyimpoqo
Eqinisweni, kunesiqinisekiso esisodwa sokubopha: umshuwalense wesithuthuthu ovela eceleni... Eyaziwa nangokuthi umshuwalense wesikweletu, lesi ukuphela kwesiqinisekiso esincane esidingwa ngumthetho. Futhi kushibhile. Kepha futhi inikeza ukufakwa okuncane kakhulu. Imboza kuphela umonakalo (owenziwe ngokomzimba nophathekayo) owudalela umuntu wesithathu uma kwenzeka kuba khona isimangalo esifanele. Ngamanye amagama, ayihlanganisi ukulimala noma ukulimala kwempahla okudalwe kuwe.
Iziqinisekiso ezengeziwe
Ngakho-ke, kudingeka ukuthi uthathe umshwalense wesikweletu. Kepha uma udinga ukumbozwa okuphelele, ungangeza izinketho ezingeziwe kukho. Uzoba nokukhetha phakathi kweziqinisekiso ezimbili ezengeziwe: umshuwalense ophakathi nendawo nomshuwalense ophelele.
Umshuwalense wesikhashana
Umshuwalense wesikhashana ukuvumela ukuthi usebenzise ukusizakala ngezicelo ezithile ezifana nokweba, imililo, ingilazi ephukile, ukubhoboza, izinhlekelele zemvelo, njll. Ibuye ikuvumele ukuthi uthole isiqinisekiso esizofaka umonakalo owutholayo lapho kwenzeka isimangalo esifanele. .
Umshuwalense ophelele
Umshuwalense ophelele, njengoba negama lisho, ukuvumela ukuthi uthole umshwalense ophelele kunayo yonke ongayithola. Inkontileka ihlinzeka ngeziqinisekiso eziningi ngokuya ngezidingo zalowo obhalisile: isinxephezelo somonakalo kuzo zonke izingozi, isiqinisekiso sokweba / umlilo, usizo nokulungiswa uma kwenzeka ukuwohloka noma ingozi, njll.
Eminye imibandela okufanele ibhekwe ukuze kukhethwe kahle
Yenza izinqumo ezifanele, ikakhulukazi, uzuze kuzo ukumbozwa okungcono kakhulu, udinga ukunaka imininingwane efana nama-premium, ama-deductibles, nokukhishwa kwewaranti.
Umshwalense Wezithuthuthu Zomshayeli Omusha - Qaphela I-Extra Premium!
Eh yebo! Ngempela, kukhona enye intela! Abomshwalense bakholelwa ukuthi njengomshayeli osemncane, awunaso isipiliyoni sokushayela futhi ubeka ingozi enkulu ngenxa yalokho. Ukugwema lokhu, bazokucela ukuthi ukhokhe imali eyengeziwe ngokuya nge-Article A.335-9-1 yeKhodi Yomshwalense.
Kodwa qiniseka inani lalesi sikhokhiso awusoze weqa iphrimiyamu eyisisekelo. Ngemuva kwalokho izokwehla ngama-50% kusuka onyakeni wesibili kanye nama-25% ngonyaka wesithathu, ize ikhanselwe ngokuphelele ngemuva kweminyaka engu-4 kusayinwe inkontileka.
Imibandela yesivumelwano
Khumbula ukuhlola imigomo yesivumelwano ngokucophelela, njengoba imali ephansi yomshuwalense ingafihla izingibe eziningana. Ngakho-ke thatha isikhashana ukuhlola ngaphambi kokusayina inani elidonswayo, okusho ukuthi, ingxenye okuzodingeka uyikhokhe ngaphandle kokumbozwa uma kwenzeka ulahlekelwa. Qiniseka ukuthi ayiphakeme kakhulu.
Futhi unake ukukhishwa kwiwarantiukuze umshwalense wakho angafuni ukukukhokhela isinxephezelo uma kwenzeka ufaka isicelo ngenhloso yokuthi imibandela ayifezekanga noma yahlangatshezwa. Futhi-ke, uma uqiniseka ukuthi uzothola isinxephezelo esihle uma kwenzeka ulahlekelwa, hlola inani lesinxephezelo... Umshuwalense awunamsebenzi kuwe uma ugcina ukhokha iningi lezindleko ngenxa yomonakalo odalekile.
