Umshwalense weTire: imfucuza noma isengezo esidingekayo?
Okuqukethwe
Ngisho noma ukushintsha isondo emotweni sisodwa akuyona inkinga kithi, kwezinye izimo singathanda nakanjani ukuguqa ngemoto, isibonelo, eqhweni noma emvuleni, nangengubo enhle. Lokhu kungagwenywa kalula ngokukhokha ama-PLN ambalwa nje njengenkokhelo ye-OC. Thola ukuthi umshwalense wamasondo ubukeka kanjani ekusebenzeni nokuthi kufanelekile yini ukuwuthenga kanye nenqubomgomo eyimpoqo.
Umshwalense wamasondo - usebenza kanjani?
Inkinga ekhethekile ngesondo elibhoboziwe ingaxazululwa ngosizo lomsizi. Ezikhathini eziningi, njengengxenye yalo mshwalense owengeziwe, umshayeli angathembela ekushintsheni kwesondo khona lapho, ukukhishwa noma usizo ekutholeni into yokufaka isondo. Nokho, izindleko zokulungisa noma zokuthenga amathayi amasha zithwalwa ngokugcwele ngumnikazi wemoto. Ngakho-ke, umshwalense wesondo uvela ekuhlinzekweni kwezinkampani zomshuwalense njengomkhiqizo ohlukile, ngoba akukho Umshwalense we-OS/AS (https://punkta.pl/ubezpieczenie-oc-ac/kalkulator-oc-ac), futhi usizo olushiwo aluhlinzeki ngesinxephezelo sezezimali.
Endabeni yomshuwalense wamasondo, inkampani yomshwalense ikhokhela izindleko zokudonsa imoto, ukuvakashela indawo yokusebenzela kanye nokushintsha isondo. Lolu hlobo lomshwalense owengeziwe ngokuvamile lubiza kuphela ama-zloty ambalwa angezwe kunqubomgomo yesikweletu noma yosizo futhi ikuvumela ukuba uzivikele ekusebenziseni amakhulu ambalwa ama-zloty ethayini elisha nezindleko zokulilungisa. Usebenzisa amathuluzi afana nenjini yokuqhathanisa umshwalense, ungathola ngisho namadili anomshwalense wamasondo ofakwe enanini le-OC.
Yini okufanele uyibheke lapho ukhetha umshwalense wezimoto?
Yiqiniso, imigomo yokuvikela amathayi emotweni enomshwalense ayifani ngaso sonke isikhathi. Izinkampani zomshwalense zivame ukubeka imingcele yendawo (izinkampani eziningi zomshwalense zinikeza ukuvikelwa ePoland kuphela) kanye nemikhawulo yesabelo. Ku-General Conditions of Contract (GTC), kufanele ubheke umkhawulo wesinxephezelo esiphezulu senkinga yesondo noma ukuthi zingaki izehlakalo umshwalense uhlanganisa.
Kuhle futhi ukunaka imininingwane efana nebanga eliphelele imoto yethu ezodonswa ngalo ngaphansi komshwalense wamathayi. Kukhona okunye okuhlukile. Esinye sazo, isibonelo, isimo lapho isondo libhobokile ngenxa yokushayisana nenye imoto. Khona-ke ezinye izinkampani zomshwalense ngeke ziwubone umonakalo.
Kodwa-ke, ngenxa yezindleko eziphansi, umshwalense wamathayi uyi-add-on okufanele uyikhethe. Ngakho-ke, ungagwema izinzwa futhi uchithe isikhathi sokushintsha isondo ngokwakho.
