Yini okufanele uyibheke lapho ukhetha umshwalense wezimoto?

I-OC ne-AC yi-duet engenakushintshwa

Umshwalense wesikweletu esizenzakalelayo uyinketho eyimpoqo. Umshwalense wemfanelo wenkampani yangaphandle ukuvikela kwezezimali uma kwenzeka umcimbi (okufana nokushayisana) owubangelayo. Ngomshwalense wemfanelo wenkampani yangaphandle, akudingeki ukhathazeke ngemiphumela yezezimali yalo mcimbi. Izindleko kuleli cala zizokhokhelwa inkampani yomshwalense othenge kuyo noma othenge kuyo ipholisi ye-MTPL.

Ngokungeziwe kumshwalense wesikweletu senkampani yangaphandle, kufanelekile ukukhetha umshwalense we-AC (Autocasco). Umshwalense wokuzithandela ozokusiza uma kwenzeka umonakalo emotweni yakho ngenxa yezenzo zezinkampani zangaphandle noma izenzakalo zesimo sezulu, kanye nalapho kwenzeka lokho okubizwa ngokuthi umonakalo wokupaka noma ukweba. Kuyafaneleka ukucabangela ukwelula umshwalense wesikweletu nge-AC lapho uphethe futhi usebenzisa imoto, kanye nezinye izimoto, isibonelo, isithuthuthu. Abagibeli bezithuthuthu nabo banenketho yokwandisa i-OC/AC ngezinketho eziningi ezengeziwe, isb. umshwalense wezinsiza zesithuthuthu. okuyinto. Thola okwengeziwe ngokuhlola Umshwalense wezithuthuthu Compensa.

Impilo yomshayeli ngemuva kwesondo

Umshwalense wezingozi zomuntu siqu (NNW) uyingxenye ebaluleke kakhulu ephaketheni elihlanganisa i-OC, i-Autocasco kanye nosizo. Umshwalense wengozi uwusekelo lwezezimali, i.e. esimweni sokulimala okungenakulungiseka empilweni ngenxa yengozi yomgwaqo.

Lolu hlobo lomshwalense wezingozi luhlanganisa imiphumela yezehlakalo ezenzeka lapho ushayela imoto noma enye imoto emgwaqeni, nalapho upaka, ume, ungena noma uphuma emotweni, futhi ushiya imoto endaweni yokusebenzela ukuze ilungiswe. 

Izingozi azihlanganisi nje izehlakalo ezenzeka ngenkathi ushayela imoto, kodwa futhi nokuma, ukungena nokuphuma, ngisho nokulungiswa kwemoto. 

Luwusizo nini Usizo?

Omunye umshwalense okufanele uwusebenzise ngosizo. Izokunikeza ukwesekwa kochwepheshe okuvela kochwepheshe uma kwenzeka ingozi, ukuphuka noma ukulahleka kwemoto. Ngenxa yalokho, ungathola imoto yakho idonswe, ilungiswe, noma uthole enye imoto ngesikhathi kulungiswa izinkinga zemoto yakho. Lokhu futhi kuwukuvikela ekuhlulekeni okungazelelwe. Ngiyabonga Usizo ngakolunye uhlangothi, uthola umuzwa wokulondeka, futhi ngakolunye, ukonga okukhulu uma kwenzeka izimo ezingalindelekile.

Yini enye engakhava umshwalense wezimoto?

• umshwalense wamasondo, amasondo namashubhu alimala ngesikhathi ushayela imoto;
• umshuwalense wengilazi - kokubili i-windshield, amafasitela angemuva nangaseceleni (azofaka izindleko zokukhanda noma ukushintshwa kwawo);
• umshwalense wezimpahla zezemidlalo ezithuthwa ngemoto 
• (zombili ezilinyazwe ngenxa yengozi yomgwaqo, futhi zebiwa noma zacekelwa phansi abantu besithathu);
• umshwalense wemithwalo ngokumelene nokubhujiswa, ukulimala noma ukulahlekelwa;
• ukuvikelwa kwezomthetho, lapho ungathola khona izeluleko zocingo ezingenamkhawulo kanye nosizo ekubhaleni imibono yezomthetho ebhaliwe;
• Umshwalense we-GAP, ngenxa yokuthi imoto yakho ingeke ilahlekelwe inani layo uma kwenzeka umonakalo, noma umshwalense we-BLS (Direct Claims Settlement);
• Umshwalense we-BLS (direct liquidation claims) owehlisa inqubo yokucubungula izimangalo ibe ubuncane.

Zonke izinketho ezingenhla ziyatholakala uma ukhetha Isinxephezelo Somshwalense Wezimoto.