Ukuqeshisa isithuthi kwiinjongo zoshishino kubangela iingozi ezininzi. Ezinye zazo zicacile; Ngokomzekelo, unokubangela ingozi yemoto ngokusetyenziswa kwakho kakubi kwemoto yokuqashisa. Ukuba ingozi ibangela ukulimala komzimba okanye umonakalo wepropati komnye umntu, ilungu elenzakalisayo lingakunxela okanye inkampani yakho ngemonakalo.
Ezinye izingozi ezinxulumene neenqwelo zokuqashisa zifihlakele. Isivumelwano sokuqeshisa singadlulisela inani elininzi lomthwalo kwi-ejensi yokuqeshisa kwiqumrhu lakho.
Unokungazi ukuba ubukhulu bentlawulo sele usuqalile de ukuba ibango lifakwe.
Imibuzo elandelayo ingakunceda uqaphele ezinye iingozi eziphambili ezinxulumene neemoto eziqashisayo. Xa unayo iimpendulo, cela i- arhente okanye umthengisi wakho ukuba akuncede ukuba unqume ukuba unayo i-couverture eyaneleyo yelahleko ezinokuthi zenzeke.
Ngaba i-ejensi yokuqeshisa inikezela i-inshorensi yemfanelo, kwaye ngaba ingundoqo okanye ubuninzi?
Uninzi (kodwa kungekho konke) luchaza ukuba iarhente zokuqasha zibonelele abathengi ubuncinane umda we- inshurensi yemfanelo yomshuwalense . Lo mda uphantsi kakhulu ukwenzela ukukhusela ngokwaneleyo kwiimangalo zamatyala. Ukongezelela koko, ukufakwa kwengxelo kungabininzi, oku kuthetha ukuba iyasebenza emva kokufumana i-inshorensi ekhoyo, njenge-inshorensi yemoto yomshuwalense we-auto, iye yasetyenziselwa.
Ingaba iqumrhu lakho linomgaqo-nkqubo wentengiso ojongene nama-autos aqashiweyo?
UkuKhutshwa kweMoto yokuPhathwa kweMoto ngokuKhuseleko kuyatholakala phantsi komgaqo-nkqubo wentengiso.
Ikhusela inkampani yakho kunye nabasebenzi bakho malunga nezikhwama ezivela ekusebenziseni isithuthi esiqashiweyo. Njengajelo olunikezelwa ngamaziko amaninzi erenti, nangona kunjalo, le ngxelo iphezulu. Umgaqo-nkqubo wakho uza kuhlawula amabango avela kwi- auto eyabhalwa emva kokuba enye i-inshorensi efunyenweyo isetyenziswe.
Ingaba umqhubi wezithuthi (wena okanye umqeshwa wakho) uqinisekisiwe ngumgaqo-nkqubo wezemoto ojongene nezithuthi zerenti?
Ininzi (kodwa ingeyo yonke) imigaqo-nkqubo yomntu ifihla izithuthi eziqeshwe ngumnini-nkqubo okanye ilungu lentsapho yokuhlala.
Ngaloo ndlela, umgaqo-nkqubo unganakho ukufumana i-coverage yokubaluleka okubalulekileyo xa kungekho nenye i-inshorensi yemfanelo ekhoyo ukufumana ibango. Akufanele ucinge, nangona kunjalo, ukuba umgaqo-nkqubo wakho (okanye umqeshwa) uza kubhawula amabango avela kwizithuthi eziqashiweyo ngeenjongo zoshishino. Umgaqo-nkqubo ungabandakanya iintlobo ezahlukeneyo zokusetyenziswa kwezoshishino. Ukongezelela, umgaqo-nkqubo awuququzeleli zonke iifayili (ezifana nokulahlekelwa koMsebenzi) ezibandakanyiweyo kumgaqo-shishino.
Ngubani igama eliza kubonakala kwisivumelwano sokuqasha ?
Oku kubalulekile ngezizathu ezibini. Okokuqala, umgaqo-nkqubo wakho wentengiso uquka i-autos eziqashiweyo eziqeshwe ngu- insured , ogama umntu okanye inkampani efakwe kwizivakalisi. Ayigubungeli izithuthi eziqeshwe ngumqeshwa ngaphandle kokuba i-autos eziqeshwe ngabasebenzi zijoliswe ngokukodwa ngokubhengezwa. Okwesibini, umgaqo-nkqubo womqhubi wemoto ungabonakali isithuthi sokuqashisa esetyenziswe kwingqesho yomqhubi. Ummeli wakho we- inshorensi unokukunceda ubone ukuba yeyiphi imingcele ekhoyo kumgaqo othile.
Nguwuphi na uxanduva olubekwe kuwe ngesivumelwano sokuqashisa?
Uninzi lweenkontileka zokuqeshisa ziqulethe isivumelwano sokuhlawula imali esithintela uxanduva kwi-agency yerenti. Isivumelwano singakufuna (umthengi) ukuhlawulela inkampani yokuqeshisa ngeendleko ezahlukeneyo ezenzayo ngenxa yengozi ebangelwa ukusebenzisa kwakho imoto yokuqashisa.
Yiyiphi inqaku elifumanekayo lokulimala ngokomzimba kwinqwelo yokuqashisa?
Inkontileka yemoto yokuqeshisa iyakwenza ube noxanduva malunga nantoni na yomonakalo owenzayo kwisithuthi sokuqashisa. Ikhonterikethi inokukunceda uxanduva lokulahlekelwa kwemisebenzi, ukuncipha kwexabiso kunye neendleko zolawulo. Uninzi lwee-arhente zethente zinikezela ukuba zithwale uxanduva lomonakalo ngokomzimba kunye nezinye iindleko ukuba uthenge umonakalo wokulahlekelwa ngumonakalo (obizwa ngokuba ngumonakalo wokutshatyalaliswa komonakalo). I-LDW ngokuqhelekileyo ixabiso. Ngaphambi kokuhlawula imali ephezulu, qwa lasela imithombo yakho ekhoyo yokukhutshwa. Ezi ziquka:
- Umonakalo owenziwe ngomzimba weemoto eziqashiweyo phantsi komgaqo-nkqubo wakho wokuthengisa
- Umonakalo owenziwe ngokwasemzimbeni wemoto yokuqashisa phantsi komgaqo-nkqubo wezemoto
- Ubungakanani bokubambisana okanye ukwebiwa kweemoto eziqashisayo ezinikezelwa yinkampani yekhadi lesikweletu. Le ngxelo ifumaneka kuphela xa usebenzisa ikhadi ukuqeshisa isithuthi.
Ukuba inkampani yakho ilandelwe kwaye yonke imithombo yesikhokelo sokubambisa iphezulu, yintoni umgaqo-nkqubo osebenzayo?
Zomibini iinkqubo zomntu kunye nezoshishino zikhupha ii-autos eziqeshwe ngokubanzi. Ukuxhaswa kweemfanelo ezinikezelwa yinkampani yokurenta inokuba yinto engaphezulu. Yiyiphi inqaku eliqala kuqala? Impendulo inokumiselwa ngummiselo wombuso okanye isigwebo sentyala yangaphambili. Ngaphandle koko, i-inshorensi ingakhetha ukuhlawula ilahleko. Buza i-arhente yakho okanye ummeli ukuba izimpikiswano zihlala zichithwe njani kwimeko yakho.