zulu.1289.insurance
Izinto zingakudida lapho sekudingeka ukuba uthathe umshwalense wemoto yakho - kodwa khumbula, nguwe owaziyo ukuthi ufunani. Ungadlali abantu - thola okungcono kwi-auto insurance... indaba ngu-Andre Fiore
BONA ZULU July 2008
ZIVIKELE NGOKWAKHO
I-INSURANCE yemoto yinto enesidingo. Ukukhokha njalo ngenyanga kungaba yinto ebuhlungu, kodwa nguwe osizakalayo lapho untshontshelwe, kuvele ingozi noma okunye nje. Kuningi okungakudida kulokhu.
Kodwa akufanele kube njalo. Ukulandela izinto ezimbalwa ezifanele ongazenza nokubuza imibuzo efanele kungakusiza ekutholeni i-insurance efanele ngemali enhle...
STEP ONE: UKUZILUNGISELELA
1. Buza kwabaseduze
Buza abantu obaziyo ukuthi yinhloboni ye-cover (insurance policy) abanayo, nokuthi obani asebeyithathile, yini labo bantu abayithandayo nabangayithandi nge-insurance plan yabo, noma leyo nkampani bayithola ithembekile yini nokuthi ama-claims bawaqhubekisa ngokushesha kangakanani noma bawenza kanjani.
2. Khombisa izinhloso zakho
Ziningi izinhlobo zama-insurance ahlukene. Ezijwayelekile yilezi:
I-Third Party: Lapha uthathe i-insurance yokulimala okwenzeka kuphela kwenye imoto noma kwenye into uma ingozi kuyiphutha lakho.
I-Third Party, Umlilo nokuNtshontshelwa: Lapha uthathe i-insurance yokulimala eyenzeka kwenye imoto noma impahla uma ingozi kuyiphutha lakho, kanjalo nomlilo nokuntshontshwa kwemoto yakho.
I-Comprehensive Cover: Lapha uthathe i-insurance yokulimala eyenzeka komunye umuntu (third party) - ngengozi, umlilo, ukuntshontshelwa, ukuthathwa kwayo ngenkani kuwe (hijacking), ukulimala kwayo, nokulimala ngendlela yendalo (ukwenza isibonelo, isichotho, ukuwa kwesihlahla siwela phezu kwayo).
Ama-comprehensive amaningi nawo abandakanya izinto ezifana nosizo oluyi-24 emgwaqweni nosizo lwezokwelashwa. Konke lokhu kusuke kwakhelwe phezu kwama-premium akho - ngakhoke bona ukuthi kubaluleke kangakanani kuwena ngaphambi kokuba uqale ukhokhe.
3. Azi imibuzo okufanele uyibuze: Ngesikhathi ukhuluma noyi-insurance agent, ungakhohlwa wukubuza le mibuzo...
Yimaphi ama-plans akhona, nokuthi akunikani kuleyo insurance?
Ngabe abiza malini?
Iyini i-excess?
Ngabe siyaba khona isephulelo uma umuzi wakho nemoto yakho - kokubili kune-insurance enkampanini eyodwa?
Ngabe ikhona indlela yokwehlisa ama-premium akho? (Ukwenza isibonelo, ngokufaka izinto zokuyivikela imoto (security) njengama-gear lock noma i-tracking system.)
Ngabe wonke umuntu osendlini yakho naye ungaphansi kwe-insurance ukuze akwazi ukushayela leyo moto? (Ezinye izinkampani azinendaba ukuthi ngubani oshayela imoto yakho - kuphela nje lowo muntu uma ethole imvume kuwena. Ezinye ziyagcizelela ukuthi, uma kukhona abashayeli abancane, ukhokha ama-premium aphezulu. Kubalulekile ukwethembeka ngalokhu ngoba ukuqamba amanga kuleyo nkampani kungenza i-claim yakho ingaphumeleli.)
Ngabe sikhona isaphulelo uma i-insurance ikalelwe umshayeli oyedwa?
Ngabe le cover ibandakanya nokuqashelwa imoto uma kwenzeka eyakho intshontshiwe noma ibandakanyeka engozini?
Ngabe kuzokwenziwa nini ukukhokha kokuqala, wena ube usungaphansi kwe-insurance (cover) nini?
Ngabe le cover ibandakanya ukwehla kwesikweleti? Lowo yiwona mehluko phakathi kokubiza kwemoto nokuthi uzosalelwa yimalini kuyona. Uma imoto yakho ikhokhelwe ngokohlelo oluthile lokuyikhokhela (payment plan), kungakuhle ukuthola kabanzi ngemali esele.
4. Lungisa imininingwane yakho
Inkampani ye-insurance izokubuza imibuzo eminingi, ngakhoke hlala ulungile ngezimpendulo.
Izinto abadinga ukuzazi zibandakanya lokhu: iyinhloboni imoto yakho, eyayiphi i-model nonyaka wayo, umlando wokushayela kwakho, umlando we-insurance yakho, okwe-security okukhona nokunye.
Khumbula: Ukwehluleka ukudalula yonke le mininingwane kungakudalela izinkinga lapho usufaka isicelo se-claim - ngakhoke nika izimpendulo ezigcwele nezithembekile.
STEP TWO: AZI KONKE NGALEYO INSURANCE
Manje usukulungele ukuthatha leyo insurance ezwana nawe. Indlela elula wukushayela izinkampani ezimbalwa ucingo, ubhale phansi ama-terms azo nezimali abazibizayo bese le mininingwane uyiqhathanisa neyezinye izinkampani.
Kubalulekile ukwenza lokhu ngoba amanani angahluka kakhulu. Cabangisisa ngaphambi kokuthatha isinqumo.
Uma futhi ukhulumisana ne-agent ungadidwa yindlela ezibeka ngayo izinto nezinombolo. Uma ungenaso isikhathi sokuyibuza kwekukhulumayo, bhala phansi bese uyibuza kahle lapho usunesikhathi esanele.
Khumbula nguwena umuntu ozokhokhela lolo sizo - ngakhoke uma i-agent ingakuniki usizo oludingayo, kusho ukuthi leyo insurance ayikulungele neze.
STEP THREE: ZIVIKELE
Kuzothi lapho usutholile ukuthi iyiphi i-insurance oyifunayo bese ugcwalisa amaphepha. Ngaleso sikhathi kuzodingeka ikhophi ye-ID yakho, i-registration yemoto yakho ne-identification yayo.
Namuhla izinto sekuvamile ukuba zenziwe ngocingo, i-fax noma i-e-mail.
Kodwa uma ufuna ukubonana ne-agent yakho mathupha, kungakuhle uhambe uye kuyona.
Kulabo abanika imininingwane ngocingo, kubalulekile ukuba uthole amakhophi abhalwe phansi kwikontileka ye-insurance nakho konke okuqondene nalokho ukuze ukugcine endaweni ephephile.
Ngaleyo ndlela, kuzothi lapho ufake i-claim - ube nolwazi ngemininingwane yekontileka yakho. Ngalokho nawe uzobe uzivikela ezingxabanweni phakathi kwakho nabaphethe i-insurance yakho. [z]
Uyithola kanjani i-insurance oyidingayo yemoto
BONA ZULU July 2008
Lena iyona mali oyikhokhela i-claim ngaphambi kokuba i-insurer iqale ikhokhe. I-excess ngokuvamile ingu-5% we-claim noma i-minimum yemali cishe engu-R2 000 kanti imali ozoyikhokha ngisho ngabe wenza i-claim ye-headlight ephukile noma uma kwenzeka imoto intshontshiwe. Ama-excess aphezulu noma aphansi ayatholakala kwezinye izinkampani kanti ama-premium (okuyimali oyikhokhayo) ayashintshashintsha.
I-NO-CLAIMS BONUS
Lena yiyona mali eyisephulelo kuma-premium akho minyaka yonke uma ungayenzi i-claim. Lokhu kusho ukuthi uma i-claim yakho incane, kungangcono ungayenzi ngoba lokho kuzokulahlekisela ngaleso saphulelo bese esikhathini esizayo ukhokhe imali ethe xaxa nge-insurance yemoto yakho.
I-EXCESS
