Kungakhathaliseki ukuthi udinge noma cha yini ukulimala ukulimala kokukhipha ukuxhaswa kuncike ekudleni imoto yakho yokuqasha, indawo kanye nenkokhelo yokukhokha.
Iyini Ukulimala Ukubambisana Ukuhlinzekwa Kwemvelo?
Lapho abamele izinkampani zokuqashwa kwamakhasimende ezinkampani eziqashisayo zicela ukuthi uthenge ukukhishwa kokulimala kwe-Collision Waiver (CDW) noma i-Loss Damage Waiver (LDW), bayakucela ukuba ukhokhe inani elithile ngosuku ngosuku lokukhokhelwa okuphansi okuncishisiwe uma imoto yokuqasha ibonakalisiwe noma kubiwe.
Inani elikhokhayo lihluka ngendawo kanye nohlobo lwemoto eqashisayo. Ukuthatha (nokukhokha) ukufakwa kwe-CDW kungangeza u-25% noma ngaphezulu izindleko eziphelele zokuqasha kwakho. Kwamanye amazwe, njenge-Ireland, kungadingeka ukuthi uthenge ukufakwa kwe-CDW noma unikezele ubufakazi bokunye, ukuhlanganisa okulingana ukuze uqashe imoto.
Ukuthenga ukufakwa kwe-CDW kungakusindisa imali uma imoto yakho yokuqasha ibonakalisiwe. Uma ungathengi ukusabalalisa ukulimala kokuHlenga ukuKhuphuka nokuthile okwenzeka emotweni yakho yokuqasha, ungaqeda ukukhokha inkampani yemoto yokuqasha imali eningi. I-deductible emotweni yakho yokuqasha ingaba ephakeme kakhulu-kwezinye izimo, ngisho nasezinkulungwaneni zamaRandi - futhi kungenzeka ukuthi ukhokhe inkampani yenkampani yokuqashiswa ukulahlekelwa ukusetshenziswa kwemoto ngenkathi ilungiswa.
Ngakolunye uhlangothi, ukufakwa kwe-CDW kungabiza kakhulu. Kwezinye izimo, kungaba kabili izindleko zokuqasha imoto. Uma ushayela imoto yakho yokuqasha ibanga elifushane, ukuthenga i-CDW kungase kungabi kuhle - ngaphandle kokuthi, uma kwenzeka ungena engozini.
Okubalulekile: Kuzodingeka ufunde yonke inkontileka yemoto yakho yokuqasha futhi uhlole ngokucophelela izinzuzo nezindleko zokukhokha ukusabalalisa ukuKhuleka kokuHlanywa kokuHlanganisa lapho ukhetha imoto yakho yokuqasha.
Ezinye izindlela zokuthenga ukulimala kokuHlanganisa ukuKhuselwa kokuKhuselwa
Izinkampani zekhadi lesikweletu
Inkampani yakho yekhadi lesikweletu inganikeza ukufakwa kwe-CDW, uma nje ukhokhela ukuqasha kwakho ngalekhadi lesikweletu futhi unqabe ukufakwa kwe-CDW inkampani yokuqasha imoto.
Uma ukhetha le nketho, qiniseka ukuthi ufunda imigomo nemibandela yenkampani yakho yekhadi lesikweletu ngaphambi kokuqasha imoto. Ezinye izinkampani zekhadi lesikweletu zinikeza ukuhlinzeka kuphela e-United States, kanti ezinye zingabandakanyi amazwe athile. Cishe zonke izinkampani zekhadi lesikweletu azifaki ukuqashiswa kwemoto e-Ireland, nakuba i-American Express yanezela i-Ireland ohlwini lwayo emazweni ahlanganisiwe ngo-July 2017.
Umshwalense Wezimoto
Funda inqubomgomo yakho yomshuwalense wezimoto noma ushayele inkampani yakho yomshuwalense ukuthola ukuthi ngabe inqubomgomo yakho yezimoto ihlanganisa ukukhokhelwa komonakalo emotweni eqashisayo. Abanye base-US bathi, njengeMadrid, badinga inshuwalense yezimoto ukuhlinzeka ngalokhu kutholakala. Uma inqubomgomo yakho ihlanganisa ukulimala kwemoto yokuqasha, akudingeki ukhokhe inkampani yakho eqashisayo yemoto ye-CDW uma uqasha imoto. Qinisekisa ukuthi uhlola izinkokhelo, njengokuqashiswa kwemoto ngaphandle kwe-United States nokuqashiswa kwemoto e-Ireland.
Abahlinzeki Bomshuwalense Wokuhamba
Ungakwazi ukuthenga ukusabalalisa kokulimala kokukhishwa komlenze kusuka kumhlinzeki womshuwalense wokuhamba uma uqinisekisa uhambo lwakho . Abahlinzeki abaningi bomshuwalense wokuhamba bahlinzeka ngemali yokuqashiswa kwemoto yokuqasha, ongayithenga uma ufuna ukunciphisa ukufakwa kwe-CDW enikezwa yinkampani yakho yemoto eqashisayo. Lolu hlobo lokubhekwa lusebenza kuphela ezimweni ezithile, kubandakanya ukweba imoto, ukuxabana, izibhamu zomphakathi, inhlekelele yemvelo, ukushayisana nokushaywa imoto.
Ezinye izimo, kufaka phakathi ukushayela ngenkathi zidakiwe, ngokukhethekile zingabandakanyi ukutholakala kokulimala kwezimoto eziqashiwe. Abahlinzeki abaningi bomshuwalense wokuhamba ngeke bathengise ukutholakala kwemoto yokuqashiswa kwezimoto ezithile eziqashisayo, njengezithuthuthu, ama-vans nama-campers. Uma inkampani yakho yokuqasha imoto idinga ukuthi ube nokuthunyelwa kwezinye izimo, njenge-glass cracked noma ephukile iwindi (ejwayelekile e-Ireland), ungase ukwazi ukufaka ukufakwa kokulimala kwe-Rental Vehicle Damage ye-CDW.
Ngokuvamile awukwazi ukuthenga ukulimala kwemoto yokuqashiswa ngokwakho. Imoto yokuqashiswa kwemoto yokuqashiswa kuvamise ukuhlanganiswa kanye nezinye izinhlobo zomshuwalense wokuhamba. Ungacela isaphulelo somshwalense womshuwalense wokuhamba ngokuqondile kumbhali phansi, njengokuhamba kwe-Travel Guard, Travelex, HTH Worldwide noma i-MH Ross Travel Insurance, noma kusukela kumshuwalense we-inshuwalansi ku-intanethi njenge-SquareMouth.com, TravelInsurance.com noma i-InsureMyTrip.com .
Qinisekisa ukuthi ulungele yonke inqubomgomo yomshuwalense wokuhamba kanye nohla oluhambisana nalokhu okungekho ngaphambi kokuthenga.