Umhlahlandlela wokusebenzisa umshini wokubala we-OC. Ungathenga umshwalense wesikweletu somuntu wesithathu oshibhe kunalokho obukucabanga!
Ungakwazi yini ukuthola umshwalense wesikweletu oshibhe kakhulu ovela eceleni futhi uwuthenge ku-inthanethi ngamaminithi? Ungakwazi! Kwanele ukusebenzisa isibali se-OS, futhi okungcono nakakhulu - i-multi-calculator, okungukuthi, isayithi lokuqhathanisa lomshwalense eliku-inthanethi elinikeza okunikezwayo okuvela ezinkampanini zomshwalense eziningana. Uma ungakasebenzisi leli thuluzi okwamanje, lihlole ngokushesha ngoba libalulekile. Ngisho noma kuvela ukuthi lokhu akukho esimweni sakho (angisho ukuthi 100% wonke umuntu uzothola umshuwalense wemoto oshibhile lapho), ngeke ulahlekelwe lutho - ukubala kumahhala futhi kuphephile. Okungcono kakhulu, uzothola umbono ongcono weminikelo yemakethe. Yilokho kuphela mayelana nokubala kwe-OC ... futhi manje kuze kube iphuzu: namuhla ngizokutshela ukuthi ungayisebenzisa kanjani kangcono, i.e. yini okumele uyenze ukuze wehlise intengo yenqubomgomo obucabanga ukuthi ngeke yehlise ...
Okokuqala, qala ukubala komshwalense wesikweletu ku-inthanethi
Awukwazi ukwenza ngaphandle kwayo! Gcwalisa zonke izinkambu zefomu ezingenalutho isinyathelo ngesinyathelo futhi ungakhonondi, nakuba mhlawumbe uyafuna. Kunemibuzo eminingi ngemoto nomnikazi wayo. Kodwa ngaphambi kokuba uphonsa igundane (imvamisa embuzweni mayelana nesimo sakho somshado noma inombolo yezingane) futhi uqale ukuqalekisa usuku oqhamuke ngalo nomshwalense wezimoto obonakalayo, cabanga: injini yokuqhathanisa ibala ukunikezwa kwezinkampani zomshwalense eziningana futhi kufanele. sebenzisa isilinganiso sazo zonke. Ngenxa yokuhlolwa komuntu ngamunye kwezingozi zomshwalense, ulwazi oluhlukile luyacelwa kuwo wonke umuntu, ngakho imibuzo iyaqhubeka ukuza.
Usuvele unayo imiphumela yokubala ku-inthanethi? Ubuwazi ukuthi akuzona zonke izingcaphuno zomshwalense wezimoto eziwujuqu? Eminye imiphakathi izokuvumela ukuthi uzehlise nakakhulu. Kwalokhu:
Bheka amakhodi ephromo
Kumawebhusayithi aqondile ezinkampani ezithile zomshwalense, ungasesha inhlanganisela yezinombolo, izinhlamvu, njll., okukunika ilungelo lokuthola isaphulelo esengeziwe. Zifakwe emkhakheni okhethekile wokubala we-OC futhi, ngaleyo ndlela, intengo yenqubomgomo iyancipha cishe ngo-5-8% (kuye ngokuthi ukunikezwa kwale nkampani).
Ikhodi yephromo akuyona nje eyabantu abathenga umshwalense wesikweletu senkampani yangaphandle ku-inthanethi (okungukuthi nge-inthanethi). Uma ukhethe ukuthenga inqubomgomo ngocingo, ungathintana nomxhumanisi mayelana nokwenzeka kokunikeza isaphulelo esengeziwe. Yiqiniso, akuwona wonke umeluleki "onamandla anjalo", ngoba lapha isivumelwano phakathi kwesayithi lokuqhathanisa nenkampani yomshuwalense sisengozini, kodwa akulimazi ukubuza. "Ubani obuzayo akalona iphutha", futhi esimweni somshuwalense wesikweletu kubantu besithathu - obuzayo, uyonga. I-Rankomat.pl ingenye yamasayithi okuqhathanisa engiwaziyo, lapho abeluleki babe nethuba lokusebenzisa ikhodi yokuphromotha yezinkampani zomshwalense ezikhethiwe. Lapha uzothola isibali sakhe somshuwalense wemfanelo futhi, uma kunesidingo, imininingwane yokuxhumana.
Khokhela umshwalense wesikweletu senkampani yangaphandle ngekhadi lesikweletu
Ukheshi, ukudluliselwa kwebhange - kungakhathaliseki ukuthi kanjani - uthe "A" (okusho ukuthi ngiyathenga), kufanele futhi uthi "B" futhi ukhokhele umshwalense wemoto yakho. Kungani ungasebenzisi ikhadi lesikweletu kulokhu? Kuyakhokha ngempela. Ngenxa yalokho, awukwazi ukulondoloza isikhathi kuphela sokulinda ukubunjwa kwenqubomgomo (ngoba lokhu kuyinkokhelo esheshayo), kodwa futhi nemali. Ibhonasi ejwayelekile yekhadi lesikweletu isuka ku-4 iye ku-10%. Ngeshwa, kune-drawback eyodwa - akuzona zonke izinkampani zomshwalense ezilungele lolu hlobo lokuthengiselana. Ulwazi mayelana nokwenzeka kokukhokha ngekhadi kanye nenani lesaphulelo esinikeziwe lingatholakala ngemva kokusuka endaweni yokuqhathanisa kuya kumshini wokubala wenkampani ekhethiwe.
Thatha ithuba lezaphulelo kubanikazi abahlanganyela nabo
Elinye lamaphutha ajwayelekile omsebenzisi ukwethulwa okungalungile kwezaphulelo ngaphandle kwezimangalo endaweni yokuqhathanisa umshwalense. Ngokugcwalisa imininingwane efomini, memezela izaphulelo ezivumayo, kungakhathaliseki ukuthi zenziwa umnikazi oyinhloko wemoto noma omunye wabanikazi.
Uma ungazuzanga noma yiziphi izaphulelo futhi ungumnikazi oyedwa: engeza omunye wabanikazi ngezaphulelo ezigcwele kumshwalense wakho. Yiqiniso, inqubomgomo kufanele ihambisane nedatha esitifiketini sokubhalisa, kodwa kwanele ukuthi unikele ingxenye encane yemoto (mhlawumbe ilungu lomndeni, ngoba awukhokhi intela) futhi "uzoba ezandleni zakho." ” idokhumenti eqinisekisa leli qiniso, futhi manje ungaphetha isivumelwano ngemibandela emisha.
Okubaluleke kakhulu: Lapho unikeza omunye umuntu isaphulelo, umninikhaya kufanele azi ukuthi bobabili banesibopho ngomonakalo odaliwe. Ngokuhlangene, bazophinde balahlekelwe yingxenye yesaphulelo sangonyaka ozayo samapholisi azo zonke izimoto abanazo.
Thatha ithuba lezaphulelo zomlingani wakho
Awudingi ukuba omunye wabanikazi bemoto ukuze oshade naye afanelekele izaphulelo ezihlanganyelwe.
Isibonelo: Umyeni wami uzifakele umshwalense zonke izimoto kuze kube manje futhi unesaphulelo esiphezulu sohambo olungenazicelo. Umkami wathenga imoto okokuqala ngqa. Uma benempahla ehlanganyelwe, bangafaka izaphulelo zomyeni emshinini wokubala womshwalense wesikweletu. Yebo, indoda kumelwe ikuvume lokhu futhi, njengasendabeni yempahla ehlanganyelwe, icabange ukuthi uma inkosikazi idala umonakalo, nayo izolahlekelwa ingxenye yesaphulelo sokushayela ngaphandle kwengozi.
Ngaphambi kokuthenga umshwalense, qiniseka ukuthi ubheka ukuthi inkampani yomshuwalense ekhethiwe iyasivumela yini isisombululo esinjalo. Ezinkampanini engizaziyo, ungathenga inqubomgomo enjalo ngokuphephile kokuthi: Allianz Direct, Aviva, Generali, Liberty Direct, Link4, YCD, MTU (inqobo nje uma unikeza isimemezelo sowakwakho senani lezaphulelo futhi uvume ukuzisebenzisa kusenesikhathi. ).
Shintshanisa abanikazi bendawo ngefomu
Kufanele sizame uma umnikazi wemoto eyinsizwa enezincwadi zokushayela zesikhashana kanti umnikazi wayo esekhulile. Izinkampani zomshwalense zivame ukubala amaphrimiyamu omshwalense ngokusekelwe kudatha yomnikazi oyinhloko wemoto efakwe kumadokhumenti kuqala. Ngakho-ke insizwa izokhula ngeminyaka. Ngemva kokuba umyalelo wokungenela ushintshiwe (okungukuthi, omdala kuqala), umuntu omdala onesilinganiso esiphezulu sengozi uyacatshangelwa. Uma usebenzisa iwebhusayithi yokuqhathanisa umshwalense, kungcono ukuthi udlule efomini kabili, uhlole izintengo zomshwalense ngemva kokufaka abanikazi ngendlela ehlukile.
Qaphela. Akuzona zonke izinkampani ezivumela ukuguqulwa okunjalo. Ngokuvamile inqubo yokufaka abanikazi abahlanganyela nabo kumshwayilense kufanele ifane neyesitifiketi sokubhalisa. Uma uthola i-premium eshibhe kakhulu ibalwa ngale ndlela e-Allianz Direct noma i-AXA, ungaqinisekisa imoto yakho ngaphandle kokungabaza. Kwezinye izimo, shayela omele inkampani noma umxhumanisi wenkampani yomshwalense futhi ubuze mayelana nalokhu okungenzeka.
