Ukuba uya kwelinye ixesha okokuqala, unemibuzo eninzi malunga ne-inshurensi yokuhamba. Masizame ukuphendula okungenani ezinye zazo.
Ziziphi iintlobo zee-inshurensi zokuhamba?
Kukho into enjengomcimbi womshuwalense. Kuthetha ukuba eso siganeko, ngokuqala kokubakho uxanduva lomgcini-mali kwi-insured. Okokuthi, iintlobo zee-inshorensi ezahlukeneyo zinokukhutshwa kwimeko ye-inshorensi eyahlukeneyo. Ukwabela iintlobo ezinjalo ze-inshorensi kwisiganeko esiqinisekisiwe:
- Ihorensi yokuhamba. Ukuba uhambo lukhanselwa, ke le nshurensi iya kukuvumela ukuba ubuyisele imali echithwe ngayo kumbutho wohambo.
- Ininshurensi ngengozi eyenzeka ngexesha lokuhamba kwelinye ilizwe.
- Intshuwalense yempahla iquka iindleko zokulahleka okanye ukulimala kwimithwalo ngexesha lokutyelela kwelinye ilizwe.
- Intsholongwane yemfanelo yomshuwalense. Olu hlobo lwe-inshorensi lubuyiselwa ngutyhurensi womonakalo owenziwe kumntu wesithathu ngumntu onesiqinisekiso.
- Ikhadi eliluhlaza - inshurensi yemoto.
- Iinshurensi yezemidlalo kubaqhubi, abahamba ngee-motorcyclists, abahlukahlukeneyo, abakhwelayo, abakhwela.
- I-inshurensi yezohambo zonyango iyimvumelwano phakathi kwenkampani yomshuwalense kunye nomkhenkethi into enomdla ngumntu onesiqinisekiso, ezihambelana nezindleko zempilo eziye zavela ngexesha lokusebenza kwesivumelwano. Ngamanye amazwi, i-inshurensi yohambo lwezokwelapha ngumqulu oya kunceda ukufumana unyango lwangonyango lwamahhala ukuba kukho ingozi ebomini kunye nempilo yezokhenketho ngexesha lokuphumla.
Ziziphi iindleko zonyango lomshuwalense?
Ngokuqhelekileyo ezi ndleko ziboniswe kwisivumelwano kunye ne-inshurensi ngokucacileyo, kuba ukugqithiswa kwe-inshorensi kuxhomekeke kwi-inshurensi ephakanyisiweyo.
I-inshurensi iquka iindleko zonyango kunye nezokwelapha, izifundo zokuxilonga, imisebenzi, iindleko zokuhlala esibhedlele. Ukuba kukho isidingo sokuphuma kwaye impilo yezokhenketho iya kuvumela ukukhutshwa, i-inshorensi ihlanganisa iindleko zokuhanjiswa kwamanye amazwe ukuya kwindawo yokuhlala isigxina okanye esibhedlele kwilizwe lakwabo. Kufuneka kuqatshelwe ukuba iinkonzo ze-inshorensi azinikezelwa ukuba isisongelo ebomini besikhorensi siphumelele ekunxilweni kotywala okanye iziyobisi, uzame ukuzibulala, ukuthatha inxaxheba kwimisebenzi yemikhosi kunye nokubetha, ukuthunyelwa kwezenzo zamabango ezenziwe ngamagunya.
I-inshurensi yohambo ikhutshwe njani?
Enye yezona ndlela ezintle kakhulu kwi-inshurensi yezokhenketho yi-intanethi. Kufuneka ubuncinane bexesha. Unokuhlawula i-inshurensi ngokusebenzisa inkonzo ye-intanethi. Olu khetho lulungele abo bangesihlandlo sokuqala ekubhukuda kwelinye ilizwe kwaye bayazi kakuhle uhlobo luni ye-inshurensi kunye naluphi iphakheji oluyimfuneko. Unokufumana i-inshorensi ngokuyalela ukuhanjiswa.
Inketho yesibini yomshuwalense kukuqhagamshelana nenkampani yomshuwalense. Iingcali ziya kukunceda ukhethe iphakheji elifanelekileyo leenkonzo kwaye ulungiselele i-inshorensi, eya kuthi yenziwe ngokukhawuleza ngesandla. Inkqubo yokubhalisa ingathathi ngaphezu kwemizuzu eyi-10.
Ininzi yomshuwalense yindleko?
Amanye amazwe adinga iphakheji ekhethekileyo ye-inshurensi yephepha. Ngokubanzi, indleko yomshuwalense incike kwiimeko ezininzi:
- lizwe. Umzekelo, ukungena eMelika kuyimfuneko ukuba ube ne-inshorensi okungenani i-$ 60,000, kumazwe amaninzi aseYurophu kukho i-inshurensi eyaneleyo, ihlanganisa i-$ 15,000 (i-$ 1 ngosuku);
- ubudala. I-inshurensi yeintsana iyenziwa ngentlawulo ehluthwayo, njengokuba i-inshurensi yabantu abangaphezu kweminyaka engama-65;
- khulelwa. I-inshorensi yokuhamba kubasetyhini abakhulelweyo baya kudla amaxesha amaninzi ngaphezu kwe-inshurensi yokuhamba.