Ukuqonda umshwalense wemoto eqashisayo

Ukuqasha imoto kusetshenziselwa izizathu ezahlukene. Abanye abantu bazikhethela ohambweni lomgwaqo, bahambe nazo ngemuva kokundizela emadolobheni amasha, noma bazidinga ngenkathi eyabo imoto ilindile noma ilungiswa. Noma iyiphi indlela, ufuna ukuvikelwa ngokomzimba nangokwezimali ngenkathi usendleleni.

Umshwalense ukhokhela izindleko zomonakalo okungenzeka. Kodwa-ke, izinga abahlinzeki bomshuwalense wemoto abavamile abakhava ngalo imihuzuko emotweni eqashisayo liyahlukahluka. Ngaphezu kwalokho, izinkampani eziningi eziqashisa ngezimoto zinezinqubo zazo zokuthenga umshwalense futhi ziyahluka endleleni ezibhekana ngayo ngaphandle komshwalense. Yazi ukungena nokuphuma kwezinhlobo ezi-4 zomshwalense wemoto eqashwayo ukuze unqume ukuthi uyayidinga yini ohambweni lwakho olulandelayo.

Umshwalense wemoto eqashisayo

Izinkampani eziqashisa ngezimoto ngokuvamile zinikeza izinhlobo ezi-4 zomshwalense ekhawunteni. Lokhu kuvame ukubiza kakhulu kunezinye izinketho futhi ngezinye izikhathi ngisho nangaphezu kwemoto ngokwayo. Naphezu kwezindleko, lokhu kukuvikela ezindlekweni eziningi ezingalindelekile ongase ubhekane nazo uma okuthile kwenzeka kuwe nemoto yakho eqashisayo. Buka izinketho zokuqasha imoto:

1. Umshwalense wesikweletu. Isikweletu sizokuvikela uma ulimaza umuntu noma ulimaza impahla yakhe ngenkathi ushayela imoto yakho eqashisayo.

2. Umshwana Wokuzikhipha Emthwalweni Wokulimala Kokushayisana (CDW). I-CDW (noma i-LDW, i-Damage Waiver) ayifaneleki ngokobuchwepheshe njengomshwalense, kodwa ukuthenga lokhu kuyekwa ngokuvamile kuzomboza izindleko zokulungisa ngemva komonakalo. Lokhu kuvame ukubiza, futhi ngokuvamile kubiza kakhulu ngosuku kunemoto ngokwayo. Le dokhumenti ikuvikela ekukhokheni:

• Ukulungisa umonakalo. I-CDW ikhokhela izindleko zokulimala kwemoto, kungakhathaliseki ukuthi kuncane noma kukhulu, ngaphandle kokuhlukile okumbalwa njengokulimala kwamasondo. Futhi ayiwuvali umonakalo odalwe ukushayela emigwaqweni ewubhuqu noma isivinini.
• Ukulahlekelwa ukusetshenziswa. Lokhu kubalwa njengokulahlekelwa imali engenayo ngenkathi imoto isesitolo sokukhanda, naphezu kwenani lezinye izimoto ezitholakalayo inkampani enazo. Imvamisa owakho umshwalense ngeke uhlangabezane nalezi zindleko.
• Ukudonsa. Uma imoto ingakwazi ukubuyiselwa esiteshini, i-CDW izobhekana nezindleko zeloli elidonsayo.
• Inani elincishisiwe. Izimoto eziqashisayo zivame ukudayisa izimoto zazo iminyaka emibili. “Inani elincishisiwe” ukulahlekelwa inani elingase lithengiswe kabusha ngenxa yomonakalo owudalile.
• Izimali zokuphatha. Lezi zimali ziyahlukahluka kuye ngenqubo yezimangalo.

3. Ukumboza izinto zomuntu siqu. Lokhu kukhava izindleko zezinto zomuntu siqu ezifana neselula noma ipotimende eyebiwe emotweni eqashiwe. Uma usuvele unomshwalense wabanikazi bezindlu noma wabaqashi, ukulahlekelwa yimpahla yomuntu siqu, ngisho nemoto eqashiwe, kungenzeka sekukhaviwe.

4. Umshwalense wengozi. Uma wena nabagibeli bakho nilimale engozini yemoto eqashwayo, lokhu kungasiza ukukhokhela izindleko zezokwelapha. Umshwalense wakho wemoto yomuntu siqu ungase uhlanganise ikhava yezokwelapha noma ukuvikelwa kokulimala uma kwenzeka kuba nengozi ngemoto yakho eqashiwe. Izingozi ezinjalo zingase futhi zikhokhelwe izindleko zakho zomshuwalense wezempilo.

Ezinye izinketho zomshwalense

Uma ukhetha ukungawuthengi umshwalense wemoto eqashwayo ngenkathi uqasha imoto, ezinye izinkampani zomshwalense zingase zikhokhe isikweletu, umonakalo wemoto, izinto ezilahlekile noma ezebiwe, noma izindleko ezihlobene nengozi, kuye ngenqubomgomo. Okukhava i-CDW kungase kuhluke kulokho umhlinzeki wakho azimisele ukukukhokhela. Ukwengeza, kungase kudingeke ulinde ukuze uthole noma yiziphi izindleko ezikhavwe yi-CDW.

Ungagwema izindleko eziphezulu zomshwalense wenkampani eqashisa ngezimoto ngokwenza lokhu:

Umshwalense womuntu siqu: Lokhu kuhlanganisa umshwalense wemoto, umshwalense wezempilo, umshwalense wabanikazi bezindlu, njll. ovela enkampanini yomshuwalense oyikhethile. Lokhu kungase kukhawulelwe ezifundazweni ezithile, kodwa kungase kukhave noma yini inkampani eqashisayo enikezelayo ukuyikhokha ngentengo ehlukile. Lokhu kubandakanya kodwa akukhawulelwe kokuthi:

• Ukufakwa okuphelele: ukulungisa umonakalo wemoto eqashiwe ngenxa yengozi, ukweba noma izinhlekelele zemvelo.
• Ukufakwa kokushayisana: usizo lokukhokhela umonakalo wokushayisana nenye imoto noma into. Lokhu kungase kungasebenzi kukho konke okusohlwini lwe-CDW.

Umshwalense wekhadi lesikweletu: Abanye abahlinzeki bamakhadi esikweletu banikeza umshwalense wezimoto nemoto eqashisayo uma uqasha ngaleli khadi lesikweletu. Hlola nomkhiphi wekhadi lakho lesikweletu ngaphambi kokuthatha ngokuthi lizokhokha zonke izindleko ezihambisana nokulimala kwemoto eqashiwe. Angase angafaki izindleko ezincishisiwe noma izindleko zokuphatha.

Umshwalense wezinkampani zangaphandle: Ungakwazi ukuqasha imoto ngenkampani yezokuvakasha ekunikeza ithuba lokuthenga umshwalense wokushayisana ngezindleko eziphansi kakhulu ngosuku. Nokho, lokhu akubandakanyi yonke into futhi kungase kudingeke ukhokhe ephaketheni ngomonakalo kamuva.