Ubusika bezithuthuthu nomshuwalense: konke odinga ukukwazi

Amabhayisikili amaningi aqhubeka nokugibela izithuthuthu ebusika. Abanye bakhetha ukuyigcina egalaji kuze kufike isizini elandelayo yehlobo. Umbuzo-ke uba ukuthi: Ngabe bakhokha umshwalense ofanayo?

Iqiniso ngukuthi umshwalense ukhokhwa minyaka yonke. Futhi cishe akunakwenzeka ukunqamula inkontileka ngesizathu sokuthi isithuthuthu ngeke sisebenze izinyanga ezimbalwa. Ngakho-ke, njengomthetho, imigomo yesivumelwano ayiguquki. Ngenhlanhla, umshuwalense wesithuthuthu wasebusika uyatholakala kulabo abahlela ukusebenzisa isithuthuthu ingxenye yonyaka kuphela.

Kwenzenjani ? Imayelana nani? Ziyini izinzuzo? Thola konke okumele ukwazi ngakho ubusika bezithuthuthu nomshuwalense.

Uyini umshuwalense wesithuthuthu sasebusika?

Le yinkontileka ekhethekile yomshuwalense, eyaziwa nangokuthi umshwalense wesithuthuthu wonyaka. Njengoba igama liphakamisa, lena yinkontileka engashintsha ngokuya ngesizini nokusetshenziswa kwebhayisikili lakho phakathi nenkathi ebekiwe.

Umshuwalense wesithuthuthu sasebusika: iziqinisekiso eziyimpoqo

Umgomo womshwalense wesithuthuthu sasebusika ulula: qiniseka ukuthi awukhokhi imali efanayo njalo ngenyanga uma unquma ukungasisebenzisi isithuthuthu sakho ebusika. Ngakho-ke le nkontileka iyavumelana nezimongoba ngosuku onquma ngalo ukufaka imoto yakho egalaji, nemibandela eyilawulayo nayo izoshintsha.

Kanjani? "Noma" Ini? Njengoba isondo lakho elinamasondo amabili lingeke lihambe isikhathi esithile, asikho isidingo sokumboza izingozi ezithile ezihambisana ikakhulu nokuzihambisa. Ngakho-ke, umshwalense wakho ukuvumela ukuthi uhoxise okwesikhashana, okuzoholela ekwehlisweni kwemali oyikhokhela umshwalense.

Umshuwalense wesithuthuthu sasebusika: ufaka ini?

Ungasisebenzisa yini isithuthuthu sakho ebusika?  Ngokuvamile, uma uthatha umshwalense wesithuthuthu wonyaka, lokhu kusho ukuthi ngeke usebenzise imoto yakho ebusika. Kepha uma kufanele uyishayele noma kunjalo, kufanele wazi lokhu: amawaranti ayimbozayo anqunyelwe. Ngamanye amagama, uma kwenzeka ingozi, uzohlomula kuphela kumshuwalense wesithathu. Ngakho-ke, noma yimuphi umonakalo odalwe isithuthuthu nomshayeli awunakukhokhelwa. Zonke izindleko ezitholakele zizoba ngezindleko zakho ngokuphelele.

Kulezi zimo, kungcono ukuthi ungazibeki engcupheni yokushayela isithuthuthu esimbozwe umshwalense wasebusika isikhathi esifanele.

Ubusika bezithuthuthu nomshuwalense: yiziphi iziqinisekiso?

Njengoba kushiwo ngaphambili, ezinye iziqinisekiso zingaba ngaphezulu uma unquma ukugcina isithuthuthu sakho egalaji lakho ebusika. Abanye bazodingeka njalo.

Umshuwalense wesithuthuthu sasebusika: iziqinisekiso eziyimpoqo

Mhlawumbe uyazibuza ukuthi kungani ungaqedi nya inkontileka yomshuwalense uma isithuthuthu singasebenzi nhlobo? Konke kulula kakhulu. Ngokwe-athikili engu-L211-1 ye-Insurance Code, akukho emthethweni ukuba nomnikazi wedivayisi engenawo umshwalense ukuthi uyayisebenzisa noma cha.

Ngaphezu kwalokho, ayikho inkampani yomshuwalense ezokwamukela isicelo sakho sokukhansela ngaphandle kokuqala uveze ubufakazi bokuthi uzothatha esinye. Ngakho-ke, kufanele usayiqinisekisa, kepha ngesiqinisekiso esincane somthetho.

Uma uthathe umshwalense wesithuthuthu wesikhashana, ubuncane yisibopho somphakathi. Uma unomshwalense wezithuthuthu eziyingozi, ungathuthela kufomula emaphakathi. Ngokungeziwe kumshwalense wezinkampani zangaphandle, ungakwazi futhi ukugcina umshwalense wokweba nowomlilo.

Umshwalense wobusika nowezithuthuthu: iziqinisekiso ezingeziwe

Ngokuvamile zonke iziqinisekiso ezihlobene nobungozi obungagcwaliseki kukhona ongakukhetha. Uma ezinye zazo bezikunqubomgomo yakho yomshuwalense wezimoto ehlobo, ungazisusa ebusika. Lokhu kufaka phakathi iwaranti yomuntu siqu yokushayela, iwaranti yemishini, iwaranti yengozi nokuqashwa kwesondo lokushayela.

Ngokuphathelene nesiqinisekiso sokweba kanye nomlilo, ungazikhansela futhi. Eqinisweni, njengoba kushiwo ngaphambili, ungashiya okubalulekile okungenalutho. Kodwa-ke, lokhu akwelulekwa ngaso sonke isikhathi, ngoba ingozi yokweba noma yomlilo ayikhishwa ngokuphelele ekuvikelweni.

Kubiza malini umshuwalense wesithuthuthu sasebusika?

Okokuqala, njengoba kufanele ugcine okungenani isibambiso esisodwa, i-premium yomshuwalense ngeke ikhanselwe. Kepha singasho ngokuqinisekile ukuthi uma iziqinisekiso ezithile zikhishwa, inani lediphozi yakho lizokwehla kakhulu.

Noma kunjalo, ungalindeli isaphulelo esingu-50%. Lokhu akuvamile ukwenzeka. Kepha kuya ngesivumelwano sakho nomshuwalense osayine naye, ungazuza kukho Isaphulelo esifinyelela ku-30% se-premium.

Ukuze uthole umbono ocacile wezindleko ze-premium yakho yonyaka yomshuwalense wezithuthuthu, unganqikazi ukubuza imibuzo ngaphambi kokusayina isivumelwano sakho. Zizwe ukhululekile ukucela ikhotheshini. Lokhu kuzokusindisa ezimangalisweni ezingathandeki.

Ubusika bezithuthuthu nomshuwalense: isikhathi esingakanani?

Ubude besikhathi se-off-peak lapho amawaranti azomiswa khona kukuwe ngokuphelele. Abanye abashayeli bamabhayisikili bakhetha ukugcina amabhayisikili abo ekuqaleni kwekwindla. Bangase bafune ukuthi izimali eziyinsalela zimiswe okwesikhashana ngaphambi kokuphela kobusika. Lokhu kusho ukuthi bazokwazi ukuhlomula kule phrimiyamu encishisiwe. kungakapheli izinyanga eziyisithupha.

Amanye amabhayisikili akhetha ukugibela futhi ekwindla. Uma bengazifihli isithuthuthu sabo ngaphambi kokuba kuqale ubusika, bangazuza ngokushintshashintsha kwezwi. izinyanga ezintathu.