I-coverage yamatyala ngokuzenzekelayo ifakiwe kwifom ye- ISO ye-auto yefom, eyona isiseko semigaqo-nkqubo yezemoto.
Ifom ye-auto ye-ISO iquka ukukhutshwa komzimba .
Izivumelwano zokuqinisekisa
Ukuthengiswa kwemali yokuthengisa ngokwemali kunikezelwa ngeemvumelwano ezimbini zokuqinisekisa iinjongo (i-insurer isithembiso sokuhlawula). Iyokuqala isebenza kwenzakalo yomzimba kunye nomonakalo wepropati . Ihlanganisa umonakalo ohlolwe kumntu okhuselekile ngenxa yokulimala komzimba okanye umonakalo wepropati obangelwa yengozi. Ukugqitywa, ingozi kufuneka ibangelwe kubunini, ukugcinwa okanye ukusetyenziswa kwemoto.
Isivumelwano sesibini sokuqinisekisa isiqinisekiso sokubonelela ngeendleko zokucoca ukucoceka. Iquka ukungcoliseka kwendleko yokucoca i-insured inyanzelekile ukuba ihlawule ukuba iindleko zibangelwa yingozi yemoto. Kwakhona, ingozi kufuneka ibangelwe kubunini, ukugcinwa okanye ukusebenzisa i-auto car. Iindleko zokucoca ukucoceka zifakwe kuphela xa zibangelwa yingozi eyenza ukulimala komzimba okanye umonakalo wepropati ogqitywa ngumgaqo-nkqubo. Okokuthi, ukuba ingozi yemoto ibangele ukungcola kwindleko kodwa ayiyi kubangela ukulimala komzimba okanye umonakalo wepropati, iindleko zokucoca aziyi kugutyungelwa.
Iimfuno zoPhuculo
Ukuba ibango lokuzibophezela ngeemoto liyakutyalwa, iimfuno ezimbini mazizaliseke. Okokuqala, ibango kufuneka lifakwe kwi- insured . Oko kukuthi, umntu okanye inkampani enesizathu sesibango okanye i-suit kufanele ifaneleke njengesiqinisekiso kumgaqo-nkqubo.
Okwesibini, isithuthi esibangele ingozi kufuneka sikhuphe imoto .
Izigqibo ozenzayo xa uthengisa umgaqo-nkqubo unqume ukuba zeziphi ii-autos ezifakwe kwi-autos. Ngokomzekelo, unokukhetha ukuqinisekisa nayiphi na i-autos (kuquka i-autos, i-hired kunye ne-autos engekho ). Unokukhetha ukhetho lwezithuthi zangasese ezihamba ngasese kuphela, izithuthi zorhwebo kuphela, okanye zombini.
Iindidi zee-autos ezifanelekile njenge-autos ezigqityiweyo ziboniswe ngamatshwayo amanani abhalwe kwiimpapasho zomgaqo-nkqubo. Ezi zimboli zibizwa ngokuba yiimpawu zokuqeshwa kwezithuthi . Isimboli seenombolo kufuneka sibonakale kwiimvakalo ezilandelayo uluhlobo olulodwa lwefowuni oyithengileyo. Ngokomzekelo, inani "2" lingabonakala ngokukhawuleza ngokukhawuleza. Oku kuthetha ukuba ukhethe ukuqinisekisa kuphela i-autos yakho inkampani.
Izithuthi ezifihliweyo ngokuzenzekelayo
Ukuba uthenge i-coverage yemfanelo yemoto, ukukhutshwa kwakho kwandiswa ngokuzenzekelayo ukuquka iintlobo zezithuthi ezichazwe ngezantsi. Ezi zithuthi zigqityiwe kungakhathaliseki ukuba isimboli ebonakalayo esilandelayo kwiphepha-mboleko kwiimali.
- Amathrekhi amancinci amancinci aklanyelwe ukuhamba ezindleleni zikawonkewonke ukuba unomthwalo wemithwalo engama-pounds angama-2000 okanye ngaphantsi, nokuba ungumnikazi weendlela okanye
- Iifowuni zefowuni kwiTransitrams zixhobo ngelixa zikhutshwe okanye ziqhutywe ngumbane. Umzekelo i-forklift ithunyelwa kwisayithi lomsebenzi kwiloli onaloo-insured ngenxa yemfanelo phantsi komgaqo-nkqubo wakho.
- Izibonelelo zesikhashana Isixhobo osibolekayo esikhundleni sothutho oluthile olungenakulungiswa ngenxa yokuba luwonakele luye lwaphuka okanye lusebenza okanye lungiswa.
Iindleko zoKhuselo
Ukuba wena okanye omnye umshwalense ulandelwa ngumntu wesithathu ngokulimala okanye umonakalo ogcinwe ngengozi yemoto, umgcini-mali wakho kufuneka akhokhe iindleko zokukhusela. Ezi ndleko aziyi kunciphisa umda wakho wemfanelo. Iindidi zeendleko ezigqityiweyo zichazwe kwicandelo elibizwa ngokuba yiNtlawulo eYongezelelweyo. Ezi ndleko zifana kakhulu nezo zifakwe kwiCandelo leNtlawulo ezongezelelweyo yenkqubo yomgaqo-nkqubo .
Ukongezwa koMbuso
Yintoni eyenzekayo xa uhamba kwilizwe elinemfuno ezahlukeneyo ze-inshurensi kunelizwe lakho lasekhaya? Umgaqo-nkqubo wakho wezemoto uza kwandisa ngokukhawuleza ukukhutshwa kwemfanelo yakho ukuthobela imithetho yasekhaya.
Uninzi lwamazwe lenze umthetho we-inshorensi. Le mithetho ifuna abanikazi bezithuthi ukuba bathenge inani elincinci le-inshurensi yemfanelo yomshuwalense. Ezinye iindawo azigunyazisi ukuthengwa kwe-inshurensi. Endaweni yoko, abanikazi bezithuthi kufuneka babonise ngexesha leengozi abanomlinganiselo othile wemali ekhoyo ukuhlawula umonakalo.
Inani leminshurensi (okanye uxanduva lwezemali) olufunekayo luyahlukahluka ukusuka kwilizwe ukuya kwilizwe. Ukuba uthenge umda omncinci womgangatho ofunekayo wombuso uze uhambe kwilizwe elinomgangatho ophantsi, umgaqo-nkqubo uza kunika umda ophezulu kwithuba lokuhamba kwakho. Eli lungiselelo alisebenzisi ukuba ungumqhubi wemoto.
Ukongezwa ngokuzenzekelayo kuyasebenza xa uhamba kwilizwe unommeli ongephulo-mthetho ogunyazisa ukuthengwa kwe- motorist non -ured and uninsuredured coverage. Umgaqo-nkqubo uza kunika inani elincinci lokunika inkxaso elifunekayo lizwe apho uhamba khona.
Ezingabikho
Ukukhutshwa kwembopheleleko ngokuzenzekelayo kuxhomekeke kwinani labangenayo . Izibhengezo zokuzibophezela ngokuzenzekelayo zichazwe kwinqaku elithile.