Ukucacisa ukufakwa kwangempela ekhadini lakho lesikweletu
Enye yezinkinga ezingalungile abahambahambayo abaningi behla emgwaqeni banomqondo wokuthi banomshwalense wokuhamba, ngenxa yamakhadi abo esikweletu. Kodwa izinga lokubhalwa abagibeli abacabanga ukuthi banalo, ngokubhekisana nezinga lokumbozwa abanalo kungaba nezinto ezimbili ezihlukene.
Ngenkathi ukusakazwa kusuka ekhadini lesikweletu kungaba kuhle (ikakhulukazi uma kwenzeka izimoto eziqashisayo ), kungase kungabi ukuvikelwa okuphelele kukho konke okungahambi kahle.
Nazi izikhala ezintathu ezifihliwe ukuthi umshuwalense wakho wokuhamba ngekhadi lesikweletu awukwazi ukumboza uma usendleleni.
Indlela Yokukhokha Inquma Inombolo Yomshuwalense Wokuhamba
Amakhadi amaningi esikweletu azonikeza " ukukhokhela " umshuwalense wokuhamba ngomshwalense njengengxenye yesivumelwano sakho somnikazi wekhadi, okuvumela ukuba ugxile ekuhleleni kwakho ukuhamba. Nokho, ekuphrintiwe okuhle, kungenye yezimiso ezisemqoka zenqubomgomo yakho yokuhamba ngekhadi lesikweletu: kufanele ukhokhele ukuhamba kwakho ngekhadi lakho lesikweletu.
Ungakanani ukukhokha ngekhadi lakho ngaphambi kokuba uhambo luzohamba ngokuya kunomhlinzeki wakho wokuhamba. Kwabanye, ukumane ukhokhele iningi lokuhamba kwakho ekhadini lakho kuzokufanelekela izinzuzo zomshuwalense wokuhamba. Ngamanye amakhadi, kuzodingeka ukhokhele inani eligcwele lokuhamba kwakho ekhadini lesikweletu ngaphambi kokuba izinyunyana zomshuwalense wokuhamba zande. Qinisekisa ukuthi uyaqonda ukuthi uhambo lwakho oluningi kufanele ukhokhele ekhadini lakho ukuze ufanelekele izinzuzo zomshuwalense wokuhamba.
Inothi elengeziwe mayelana nezindlela zokukhokha kanye nomshuwalense wokuhamba: uma ukhokha ukuhamba kwakho ngamaphuzu noma amamayela atholakele ekhadini lesikweletu, noma yimuphi umshuwalense wokuhamba angeke wengeze ukumboza lawo maphuzu namamayela. Qiniseka ukuthi uxhumane nezinqubomgomo zakho zekhadi lesikweletu ukuze ubone ukuthi amaphuzu namamayela aphathwa kanjani uma kuziwa emshuwalense wokuhamba.
Okuyinhloko Insurance Assurance Secondary
Enye yemibuzo emikhulu okumele uyibuze ngomshwalense wakho wokuhamba ngekhadi lesikweletu uma ngabe ukufaka kwakho okuyinhloko noma okuyisisekelo. Ukwazi lolu hlu oluwusizo lwolwazi kungakusiza ukuthi ubone ukuthi ungafaka kanjani isimangalo ngesikhathi noma ngemva kokuhamba kwakho.
Ezimweni eziningi, ukuhlinzekwa kwakho okuyinhloko kuzoba izinqubomgomo zomshuwalense onawo kakade kubantu bakho nempahla yakho - kuhlanganise nomshwalense wakho wemoto, umshuwalense wekhaya, noma umshwalense wemisampula. Ukufakwa kwesibili (noma ukuhlanganisa okungeziwe) kusebenza kuphela uma ukukhishwa kwakho okuyinhloko sekuphelile. Uma isimangalo sibuyekezwa yi-carrier yenhloko futhi kwenziwa isinqumo, ukufakwa kwesibili kungase kuhlanganise nokuthi yini esisele. Noma kunjalo, ukufakwa kwesibili izikhathi ezivame ukuza neqoqo lezimiso okudingeka zihlangane ukuze zivumeleke.
Ngaphambi kokuba ungene ngemvume nenqubomgomo yomshuwalense wokuhamba ngekhadi lesikweletu, qinisekisa ukuthi uyaqonda ukuthi ingabe iyinhloko noma eyesibili. Uma kungumgomo wesibili kuphela, ungase uthande ukucabangela ukwengeza inketho yomshuwalense wokuhamba oyinhloko ohambweni lwakho.
Ngokwemangalo noma ngomcimbi wokuhamba umshwalense
Enye yezinkolelo ezinkulu abahambayo abazenzayo nomshwalense wabo wokuhamba ngekhadi lesikweletu ukuthi kungabandakanya izimo eziningi ezivamile, kungakhathaliseki ukuthi inani lezimangalo ofuna ukulifaka.
Ngokuya kokufaka kwakho, ungaphoqeleka ukuthi ukhokhe zonke izicelo zakho, kanye nazo zonke izimangalo zakho njengomcimbi wokuhamba.
Ngaphambi kokuya ohambweni lwakho, kubalulekile ukwazi ukuthi umshuwalense wakho wokuhamba ngekhadi lesikweletu usekelwe yini isimangalo ngasinye, noma umcimbi ngamunye. Uma inqubomgomo yakho yokuhamba isicelo ngasinye, khona-ke ungaphoqeleka ukuthi ukhokhe noma yikuphi okweqile (njengama-deductibles) kukho konke okufunayo okwenzayo. Kodwa uma umshuwalense wakho isekelwe ngomcimbi ngamunye, umcimbi wakho wokuvakasha uzobukwa njengomcimbi owodwa ophelele, okusho ukuthi uzoba nenkokhelo eyodwa kuphela noma ukukhokhwa okungaphezu kokwenza. Ngakho-ke, uma ngabe ube nezicelo eziningi (njengokuthi ukulahlekelwa kwemithwalo nokulibaziseka kokuhamba ohambweni olufanayo) nenqubo yomshuwalense wokuhamba ophethe izimangalo ngomcimbi ngamunye, uzokhokha inani elilodwa elidonswa kuzo zonke izimangalo zakho. Kodwa-ke, uma umshuwalense wakho ususelwe kwisicelo ngasinye, ungaba nesibopho sokukhokha ngokweqile kuzo zonke izicelo.
Ngenkathi umshwalense wokuhamba owenziwe ngumhlinzeki wakho wekhadi lesikweletu kuhle, kungenzeka ukuthi awuhlanganisi ngokugcwele njengoba ucabanga. Ngokuqonda indlela umshuwalense wakho wokuhamba usebenza ngayo, ungaqiniseka ukuthi uthola ukuhlinzekwa okuhle kakhulu kwemisebenzi yakho, kungakhathaliseki ukuthi uya kuphi.