Kutheni ufuna ukufaka iiVotos eziKhatywayo kunye ezingenabo
Iimoto ezikhutshiwe
Izithuthi zenkampani yakho, ukuqeshisa, ukuqesha, okanye ukuboleka kuthiwa ngama- autos aqeshwe phantsi komgaqo-nkqubo wokuthengisa .
Ezi zizithuthi oziqashisayo okanye ukuqeshisa ngexeshana. Umzekelo imoto oyiqashisayo ukuhamba kweentsuku ezintathu zorhwebo kwelinye idolophu. I-Autos uqesha ixesha elide (kwiinyanga ezintandathu okanye ngaphezulu) ziqinisekisiwe ngendlela efanayo ne-autos.
I-Autos engekho
Izithuthi zakho ezisebenzisayo ezingabanikazi okanye eziqeshwe yinkampani yakho zibizwa ngokuba yii-autos ezingenayo i-autos phantsi komgaqo-nkqubo wentengiso. Ii-autos ezingenamntu ziquka izithuthi zabasebenzi bakho kodwa zisetyenziswe kwishishini lakho. Umzekelo ngumoto ophethwe ngumqeshwa asebenzisayo ukubiza abantu abathengi. Nayi eminye imizekelo yee-autos ezingenamnini:
- isithuthi esineqabane elibambisene nalo asebenzisayo kwishishini lenkampani
- isithuthi apho umongameli wenkampani eboleka kummelwane wakhe ukuba asebenzise ibhizinisi
- isithuthi esililungu lenkampani ejongene nemfanelo esetyenziswe kwishishini
Musa ukuxhomekeka kuMbambiso woMnini!
Ukuba inkampani yakho isebenzisa ii-autos eziqashiweyo, musa ukuzithemba kwi- ejensi yokuqeshisa ukuze uqiniseke ishishini lakho ngokuchasene namacala.
Amaqela amaninzi afuna iinkampani eziqeshisayo ukuba zinikezele ngokukhawuleza ngeemoto kubathengi babo, kodwa kuphela kumyinge omncinci ogunyaziswe ngumthetho. Lo mda ngokuqhelekileyo uphantsi kakhulu. Kwamanye amazwe, iinkampani zokuqashisa azibophezelekanga ukuba zinikeze naziphi na iimbopheleleko zembopheleleko. Ukukhusela inkampani yakho kumacala okugweba, qiniseka ukuthenga i- auto-responsibility responsibility coverage .
Umgaqo ofanayo usebenza kuma-autos angenawo. Ungacingi ukuba i-inshurensi yemoto yomshuwalense iya kubhala iibango ezifakwe kwi-firm firm yakho. Into enye, umnini wezithuthi angaxhaswanga okanye akanakuncinci. Okwesibini, i-inshurensi yomnini-mali ayinakwandiswa kwabanye abaqhubi. Ngenxa yezi zizathu, qi
Ukukhutshwa kwemoto kunye nokungafihliyo kweempahla zokuthengisa ngokuzenzekelayo kungabizi kwaye kuyifumaneka lula. Ezi ntlupheko zizaliswa ngokutsha. Izibango zamatyala ngokuzenzekelayo zingabiza kakhulu. Ingozi ebangela ukulimala kowomnye umqhubi okanye umntu onokuhamba ngezinyawo angabangela umonakalo ngokuchaneka kwakho kwi $ 100,000 okanye ngaphezulu. Ukuba unayo i-inshorensi yemfanelo efanelekileyo, ibango elinye lingafaka inkampani yakho ngaphandle kweshishini.
Umshuwalense
Ukukhutshwa kwezinto ezizikhuphayo kunye neengxelo ezingekho phantsi kwempahla zifumaneka phantsi komgaqo-nkqubo wentengiso. Unokuthenga ezo ziganeko ngokwazo, okanye uzifake kumgaqo-nkqubo okhoyo ofihla iinqwelo zeenkampani zakho.
Cinga ukuba sele usithenge ukuthengiswa kwemoto. Ungayichazela njani ukuba ipolisi yakho ibandakanya ama-autos aqeshwe kunye nabangekho? Khangela kwiimpawu zokubhaliweyo zeemoto kwiimvakalo.
Ukuba isimboli soku-1 (nayiphi na imoto) okanye iimpawu ezi-8 kunye ne-9 (eziqashiweyo kunye nee-autos ezingabanikazi, ngokulandelanayo) zivela ngaphandle kwesikhokelo sokubambisa, i-autos esebenziweyo kunye ne-autos engekho. Ukuba awuqinisekanga, cela i- arhente yakho okanye umthengisi ukuba uncede.
Ukuba awunayo umgaqo-nkqubo wentengiso, umgcini-mboleko wakho unokuba ngumnqweno wokuncedisa ukukhutshwa kweemoto eziqeshwe ngokuzenzekelayo kunye nokungenazo iimpahla zokuzibophezela ngokuzenzekelayo kumgaqo-nkqubo wakho wokuzibophezela . Ezi ngxelo zingabandakanywa kwipolisi yokunyaniseka ngokuvuma .
Kungakhathaliseki ukuba inikezelwe phantsi kwe-auto auto okanye umgaqo-nkqubo wokuzibophelela, uqeqesho kunye nokungafihli-mali lokuzibophezela ngokwemoto kusetyenziswa ngokugqithiseleyo. Okokuthi, ezi zibonelelo zisebenza emva komnye u-inshurensi oyimfuneko, ezifana nomgaqo-nkqubo womnini wemoto, sele isetyenzisiwe.
Iintlawulo zeeNyanga
I-premium yesikhokelo sokuzibophezela ngokuzenzekelayo ngemali isekelwe kwiindleko zokuqeshwa, oku kuthetha imali ochithayo ukurenta izithuthi.
Umshuwalense wakho unokuhlawula i-premium encinci xa umgaqo-nkqubo wakho uqala. Emva kokuba umgaqo-nkqubo usuphelile, uzakufuna ukubeka iindleko zakho zokuqeshisa kwaye uzixelele kwi-insurer yakho. Ukuba i-premium yakho ebalwe idlula i-premium yakho yokuqala, umgcini wakho womshuwalense unokukuhlawula imali eyongezelelweyo.
I-premium ye-non-owned auto coverage isekelwe kwinani labasebenzi obaqashileyo. Umshurensi ubala inani eliphakathi labasebenzi kunyaka kwaye isebenza ngesantya.
Umgaqo-nkqubo Wezithuthi Zakho
Ekugqibeleni, ungathembeli kumgaqo-nkqubo wakho womgaqo-nkqubo okanye umgaqo-nkqubo wokuqeshwa ukufaka amabango kwishishini lakho. Imigaqo-nkqubo yemoto yenzelwe ukufihla abantu kunye namalungu entsapho, kungekhona amashishini ashishino. Banikezela ngokukhawuleza kwenkcazo ye-autos umgcini-nkqubo angenawo. Imigaqo-nkqubo yomntu iqulethe nenani lezinto ezixhomekeke kwizoshishino.
Inqaku elihlelwe nguMarianne Bonner