Izitulo zamavili zombaneziya zithandwa ngabantu abakhulileyo kunye nabo baneziphene ngokwasemzimbeni. Banikezela ngendlela yothutho ekhululekile kwaye esebenzayo, evumela inkululeko enkulu kunye nokuzimela. Nangona kunjalo, njengakukuphi na ukuthenga okukhulu, kukho izinto ezibalulekileyo ekufuneka uzigcine engqondweni. Umbuzo osoloko uvela ngowokuba ingaba uyayifuna okanye awuyifuni i-inshurensi yesitulo sakho esinamavili sombane.
Impendulo emfutshane nguewe, kufuneka uthenge i-inshurensi yesitulo sakho esinamavili sombane. Nangona kusenokungafunwa ngumthetho, ukuba ne-inshorensi kunokukunika uxolo lwengqondo nokhuseleko lwemali xa kunokwenzeka ingozi okanye umonakalo kwisitulo sakho. Nazi izizathu ezimbalwa:
1. Kwenzeka ingozi
Nokuba ulumke kangakanani na, iingozi zingenzeka. Ukuba usebenzisa isitulo sakho esinamavili esinamandla rhoqo, kubalulekile ukuba uzilungiselele izinto obungazilindelanga. I-inshurensi inokukunceda ekuhlawuleleni ukulungiswa okanye ukutshintshwa ukuba ubandakanyeka engozini okanye isitulo sonakaliswe ngenye indlela. Ngaphandle kwe-inshurensi, uya kuba noxanduva lokuhlawula ezi ndleko ngokuphuma epokothweni yakho.
2. Uxanduva
Ukuba usebenzisa isitulo esinamavili sombane kwindawo kawonke-wonke, unokuba noxanduva lwawo nawuphi na umonakalo okanye ukwenzakala okwenzeka ngexesha lokusebenza. I-inshorensi inokukunceda ekukhuseleni kumatyala okanye amanye amanyathelo asemthethweni ukuba kukho umntu owenzakeleyo okanye wonakaliswa impahla ngenxa yokusebenzisa kwakho isitulo esinamavili esinenjini.
3. Ubusela
Izitulo ezinamavili ezisebenza ngombane zinokubiza, nto leyo ezenza zibe lixhoba lobusela. Ukuba isitulo sakho sibiwe, i-inshurensi ingakunceda ekuhlawuleleni ukutshintshwa. Ngaphandle kwe-inshurensi, kuya kufuneka uhlawule zonke iindleko zesitulo esitsha ngokwakho.
4. Uxolo lwengqondo
I-inshurensi inika uxolo lwengqondo ukwazi ukuba xa kukho into engahambi kakuhle, uya kukhuselwa ngokwezimali. Oku kubaluleke ngakumbi kwabo baxhomekeke kakhulu kwizitulo ezinamavili zombane ukuze bathuthwe kunye nokuzimela.
Xa kuziwa kwi-inshurensi yezitulo ezinamavili zombane, kukho iindlela ezininzi onokukhetha kuzo. Abanye abanikazi bezindlu okanye iipolisi zeinshorensi ezirentisayo zinokubonelela ngezixhobo zokushukumiseka, kuqukwa nezitulo ezinamavili ezihamba ngeenjini. Unokuthenga kwakhona ipolisi ye-inshurensi eyahlukileyo ngokukodwa kwisitulo sakho.
Ngaphambi kokuthenga i-inshurensi, qiniseka ukuba ufunda kwaye uqonde imigaqo kunye neemeko zepolisi. Qinisekisa ukuba uyayazi into e-inshoriweyo kunye nento engavalwanga, kunye nayo nayiphi na i-deductibles okanye imida yokhuseleko.
Ukuqukumbela, ngoxa i-inshorensi isenokungafunwa ngumthetho kwisitulo sakho esinamavili sombane, bubulumko utyalo-mali. Iingozi neemeko zongxamiseko zisenokwenzeka nangaliphi na ixesha, yaye i-inshorensi inokubonelela ngokhuseleko oluxabisekileyo noxolo lwengqondo. Qinisekisa ukuba uqwalasela ngokucophelela ukhetho lwakho lwe-inshurensi kwaye ukhethe ipolisi ehambelana neemfuno zakho kunye nohlahlo lwabiwo-mali.
Ixesha lokuposa: May-19-2023