Khansela Umshuwalense Wezithuthuthu: Incwadi Yokumiswa Komshuwalense Wemodeli Yesithuthuthu

Ukupheliswa kwenkontileka yomshuwalense wesithuthuthu yikhasimende kwenzeka ikakhulukazi ezimweni ezintathu: ukuthengiswa kwemoto enamasondo amabili, ukubhujiswa kwayo ngemuva kwengozi, noma ukushintshwa komshwalense. Ingabe uwutholile umshuwalense wesithuthuthu oshibhile? Ngabe kuzofanele unqamule umshwalense webhayisikili lakho elinamasondo amabili ngemuva kokuthengisa? Noma ngabe siyini isizathu, kubalulekile ukulandela inqubo ngqo yokukhansela umshuwalense wemoto, wesithuthuthu noma wesithuthuthu. Thola imininingwane ye- yazi ukukhansela umshuwalense wakho wesithuthuthu noma wesithuthuthu.

Ngingayikhansela nini inkontileka yami yomshuwalense wesithuthuthu mahhala?

Ukushintshwa kwemishwalense kungakongela ukonga okuphawulekayo unyaka ngamunye ngenkathi kugcinwa ukumbozwa okulinganayo, inqobo nje uma ukhetha inkampani entsha yomshuwalense enamasondo amabili. Izinkontileka zomshwalense zibopha umninipholisi kanye nomshuwalense isikhathi esichazwe ezimweni zalokhu okugcina. Ngakho-ke, imigomo yokuqedwa incike esimweni samanje. Kunezimo ezahlukahlukene ezingaba khona.

Khansela umshuwalense wakho wesithuthuthu ngesikhathi

Umshuwalense wesithuthuthu uvame ukusebenza izinyanga eziyi-12. Usuku lonyaka kuleli cala luhambisana nosuku lokuvulwa kwenkontileka. Lapho ufika kulo mkhosi, umshwalense wakho kufanele akuthumele uhlelo olusha. Ngempela, i- inkontileka ivuselelwa minyaka yonke ngokuzenzakalela, ngesivumelwano sokuthula.

Ingabe unayo Ezinsukwini ezingama-20 ngemuva kokuthumela isaziso sokukhokha usuku olufanele yazisa inkampani yakho yomshuwalense ngesifiso sakho sokunqamula inkontileka. Ukuze wenze lokhu, isicelo sakho sokukhansela kufanele sithunyelwe ngeposi eliqinisekisiwe noma ngeposi elibhalisiwe. Kule webhusayithi uzothola incwadi yokuqedwa komshwalense wesithuthuthu sakho.

Uma ungakasitholi isaziso sosuku olubekiwe, sicela wazi ukuthi ukwesulwa kufanele kuthunyelwe enkampanini yakho yomshuwalense zingakapheli izinsuku eziyi-10 kusukela osukwini lokugubha usuku. Kulesi simo, umshwalense ubophezelekile ukuqeda inkontileka kungakapheli inyanga eyodwa ngemuva kokuthola isicelo sakho.

Ngokuphambene, ezinye izinkampani zomshwalense zibeka usuku olunqunyiwe lokugubha unyaka njalo ngonyaka. Isibonelo, ku-Motor Racer Mutual Insurance, idethi ewumnqamulajuqu ngu-Ephreli 1 wonyaka ngamunye. Isaziso samanje sokuphelelwa yisikhathi sihlanganisa isikhathi esisuka ku-01 kuye ku-04. Kulokhu, unayo ithuba lokunqamula inkontileka yakho ngokushesha nje lapho isaziso somnqamulajuqu sithunyelwa ngoMashi.

Kufanele wazi ukuthi ukukhansela umshwalense wesithuthuthu noma wesithuthuthu ngemuva konyaka owodwa kusukela ngosuku lokubhalisa kokuqala kuyicala elilula kakhulu kubagibeli bamabhayisikili, ngoba akukho zinkokhelo noma izinhlawulo ezisebenzayo.

Ngiwukhansela kanjani umshuwalense wami wesithuthuthu ngaphambi kokuba uphelelwe isikhathi?

Inkinga ihlanganiswa uma kwenzeka ukuqedwa kokuqala. Kodwa-ke, uhulumeni wenze le nqubo yaba lula kakhulu nge-Hamon Act yezinkontileka ezinde kunomnyaka owodwa. Ngakho-ke kufanele ukuhlukanisa phakathi kwezinkontileka ezingaphansi nangaphezulu konyaka.

Ngempela, umthetho weHamon uvumela abanikazi benkontileka yomshuwalense ukuthi bayinqamule kusenesikhathi ngaphandle kokuthola izindleko noma izinhlawulo ngaphansi kwezimo ezithile. Kalula nje, kunjalo ungakhansela umshuwalense wakho wesithuthuthu mahhala ngaphambi kosuku lokuphelelwa yisikhathi uma inkontileka inolwazi olungaphezu konyaka ongu-1.

Ngamanye amagama, unethuba lokunqamula inkontileka yomshuwalense ngaphandle kwezijeziso futhi nganoma yisiphi isikhathi ngemuva konyaka ongu-1. Umthetho uhlinzekela ezinye izimo okunzima kakhulu ukuzisebenzisa: ukufuduswa, ukungasebenzi, njll.

Ngakolunye uhlangothi noma iyiphi inkontileka yesithuthuthu engaphansi konyaka owodwa, ubophezelekile ukuhambisana nezibopho, uma kungenjalo ukuqedwa kuzoholela ezindlekweni ezinkulu.

Ungawuvala kanjani umshuwalense wesithuthuthu esithengisiwe?

Amabhayisikili asetshenziselwa ukuguqula izimoto kaningi kunabashayeli. Isibonelo, abanye abashayeli bamabhayisikili bathenga imoto entsha noma esetshenzisiwe ekuqaleni kwesizini bese behlukana nayo ekwindla. Ngemuva kwalokho kuphakama umbuzo: thola ukuthi kungenzeka yini ukunqamula umshwalense wesithuthuthu esithengiswa mahhala nokuthi ungayinqamula kanjani le nkontileka ngemuva kokuthengisa.

Ukushintsha umshwalense wezithuthuthu kuyindlela enhle yokonga imali. Ngeziqinisekiso ezifanayo, ungakwazi ukunciphisa imali yakho yonyaka ngama-euro angamakhulu amaningana. Ukuze wenze lokhu, udinga ukuqhathanisa ama-insurers ahlukene wezithuthuthu emakethe.

Kuyajabulisa ukwazi ukuthi uma uthengisa noma uphisana ngemoto, kunjalo umcimbi ukukunikeza ilungelo lokunqamula inkontileka mahhala kusukela ngosuku lokuthengisa.

Uma ukhokhele umshwalense wakho njalo ngonyaka, uzobuyiselwa imali ngokulingana nezinsuku ezisele esele zikhokhiwe. Noma ngabe inkokhelo izokwenziwa nyangazonke. Ngakho-ke, ungaluqedela lolu hlelo ngemuva kwezinsuku ezimbalwa unikeze imoto.

ukuthi vala umshuwalense wakho ngemuva kokuthengiswa kwesithuthuthu sakho noma isithuthuthu, unezixazululo ezimbili :

• Thumela umshwalense wakho incwadi yokukhansela kanye nekhophi yekhadi lokubhalisa elidlulile nemininingwane yokuthengisa (usuku nesikhathi).
• Sebenzisa ifomu elikhethekile ku-akhawunti yakho yomuntu siqu. Ukwenza lula inqubo yokunqamula inkontileka uma kwenzeka kuthengiswa, iningi labashuwalense lithembisa ukwenza inqubo ngqo kwi-Intanethi.

Ithempulethi yencwadi yokuqedwa komshuwalense wesithuthuthu

Isiphetho senkontileka yomshuwalense kudinga ukuthumela idokhumenti esemthethweni enkampanini yakho yomshuwalense. Ukuze wenze lokhu, kufanele uthumele inkampani yakho yomshuwalense incwadi ecela ukunqanyulwa kwenkontileka yakho, kufaka phakathi imininingwane edingekayo: imoto, ukubhaliswa, inombolo yenkontileka, isiqinisekiso noma ngisho nosuku okuzoqala ngalo ukusebenza.

Abashuwalense abaningi bayavuma ukwamukela nokucubungula izicelo zokuqeda ngokusebenzisa isikhala esiku-inthanethi esizinikezele kumakhasimende. Noma kunjalo, lokhu kungcono ukhethe ukuthumela incwadi yokuqedwa kwesivumelwano ngeposi ngeposi elibhalisiwe nesaziso sokutholwa. Ungaqiniseka ukuthi inkampani yomshuwalense isibonile isinqumo sakho.

Ukukusiza ukubhala incwadi yokuqeda umshuwalense wesithuthuthu noma yesithuthuthu, nayi incwadi eyisampula yamahhala. :

Igama nesibongo : 

ikheli leposi : 

телефон : 

Электронная почта : 

Inombolo yomshuwalense : 

Inombolo yenkontileka yomshuwalense : 

[ikheli lomshwalense wakho]

[usuku lwanamuhla]

Isihloko: Isicelo sokunqamula inkontileka yomshuwalense wami wesithuthuthu

Incwadi Eqinisekisiwe A / R

kuyabiza

Njengoba sengingenele inkontileka yomshuwalense wesithuthuthu nenkampani yakho yomshuwalense, ngingajabula uma unganqamula inkontileka yami bese ungithumelela incwadi yezindaba ngeposi lokubuya.

[bhala ubufakazi lapha: ukuthengisa imoto noma ukudlulisa | ukwesulwa kwesikhumbuzo | ukunqanyulwa ngaphambi kokuphelelwa yisikhathi ngokuhambisana nomthetho kaHamoni].

Ngezansi uzothola izixhumanisi zenkontileka nesithuthuthu okukhulunywe ngaso esicelweni sami sokuqeda:

Inombolo yenkontileka yomshuwalense:

Imodeli yesithuthuthu evikelwe:

Ukubhaliswa kwezithuthuthu:

Ngifuna lokhu kunqanyulwa kusebenze ngemuva kokuthola le ncwadi ngezinsizakalo zakho.

Sicela wamukele, nkosikazi mnumzane, izifiso zami ezinhle.

[igama nesibongo]

Yakhiwe [idolobha] le [usuku lwanamuhla]

[isiginesha]

Ungalanda le ncwadi eyisampula mahhala :

ithempulethi-mahhala-incwadi-yomshwalense-moto.docx

Nayi incwadi yesibili eyisampula yokuqeda inkontileka yakho yomshuwalense nomshwalense wakho uma imoto yakhe ithengiswa.