Usenokuba ne-inshurensi yokuhamba nge-insati ngaphandle kokukwazi
Kukho iinzuzo ezininzi zokuhlawula uhambo usebenzisa ibanga eliphakathi kwekhadi lesikratshi eliphezulu. Ukongeza kwimiba kunye neekhilomitha ezifumaneka kumakhadi amaninzi , kwiintengo eziza kumakhadi anikezela ngeenqwelo zomoya, abahambahamba banokuvula ihlabathi leenzuzo ngokusebenzisa iindlela zabo zokusetyenziswa ezikhethiweyo. Nangona kunjalo, yintoni abahambahambayo abangayiqondi ukuba banokuvula iintlawulo zee-inshorensi zokuhamba.
Xa ubeka inxalenye yendlela ekukhawuntini lekhredithi, abahambahamba banokufumana iindleko ze-inshurensi yokuhamba nge-card credit provider. Ezi ntlawulo zingabandakanya inzuzo yokukhansela, ukufumana ixesha lokubambezeleka , kunye nokulahlekelwa kwempahla . Ngaphezu koko, amakhadi ekwereta angakwandisa nokukhusela iimoto eziqashisayo ngokunjalo, ukuvumela abahambi ukuba baqhube ikhefu ngoxolo lwengqondo. Ngaba iingeniso ezivunyelwe ngamakhadi-krediti angcono kuneenkqubo ze-inshorensi zokuhamba?
Ngokuqonda ukuxhamla kunye nenkunkuma yomgaqo-nkqubo womshuwalense wendabuko kunye ne-inshurensi yohambo ehlinzekwa yikhadi lekhredithi, abahambi banokwenza izigqibo ezifanelekileyo kwihambo lwabo oluzayo. Nazi iindlela eziphambili umgaqo-nkqubo womshuwalense wokuhamba kwendabuko ahluke kwiintlawulo ze-inshurensi zokuhamba ezibonelelwe ngekhadi lesikweletu.
Inkonzo yomshuwalense wendabuko: ngaphezulu kokubandakanya izithintelo ezingaphezulu
Xa abaninzi abantu bacinga ngeentlawulo ze-inshurensi zendabuko, into yokuqala efika engqondweni kukuthenga isicwangciso esinikwe ngumnikeli wokuhamba, okanye ukuhamba kwi-arhente ukuthenga isicwangciso se-inshurensi yokuhamba.
Le nkqubo ye-inshorensi yokuhamba inganika uncedo oluninzi kumhambi kwiimeko ezinzima kakhulu.
Iiprogram ze-inshorensi zokuhamba ngeendabuko zihlanganisa ixabiso lohambo lonke lomhambi, kungakhathaliseki ukuba bahlawula njani i-adventure yabo. Ngomgaqo omnye, abahambi banokufumana ukhuseleko kuzo zonke iindawo zohambo lwabo, ukusuka kwi-drive ukuya kwisikhululo-moya, ukuya kuthi xa befika ekhaya.
Ukongeza, enye ipolisi ithetha ukuba abahambi bafuna kuphela ukufowunela enye inombolo yefowuni ukuba izinto zihambelane kakuhle: xa imeko yongxamiseko, enye ifowuni kumniki-inshorensi yokuhamba ingaqinisekisa ukuba imeko iyakunyamekela.
Nangona kunjalo, iinkqubo ze-inshorensi zokuhamba kwendabuko nazo zifikeleleke kuninzi . Abahambi abalimalayo okanye abagula ngesifo esingapheliyo phambi kokuhamba kwabo abanako ukufunyanwa ngokuphindaphindiweyo kwezo meko ngaphandle kokukhishwa kwemeko esele ikhona ngaphambili , eyongeza iindleko kwisicwangciso se-inshurensi yokuhamba. Ngokungafani namakhadi-mboleko, iinkqubo ze-inshorensi zendabuko zendwendwe zingabonakali iimoto eziqashisayo ngaphakathi nakwamanye amazwe, ukushiya umhambi ukuba akhokhe imali ephezulu. Ekugqibeleni, iinkqubo ezininzi ze-inshorensi zokuhamba ze-inshorensi aziyi kuhlawula iindleko zamanqaku okanye iikhilomitha, kodwa zingabandakanya iintlawulo zokuhlawula kwakhona ezo ngongoma kwi-akhawunti yokwethembeka.
Izinzuzo ze-inshurensi yokuhamba ngekhadi lokuthenga ngetyala: zakhiwe ngohambo, kodwa kwinqanaba elithile
Mhlawumbi enye yeenzuzo zekhadi zekhredithi ezingaphantsi komhlaba, abaninzi abahamba ngelizwe ngokuzenzekelayo bafumana ipolisi yomshuwalense wokuhamba ngekhadi labo elikhupha ibhanki. Ngaphezu koko, ezinye zezi nkqubo zinshorensi yokuhamba zikwazi ukuphikisana nezicwangciso eziqhelekileyo zesintu.
Uninzi lwemigaqo-nkqubo ye-inshurensi yokuhamba ngekhadi yeekhredithi ziza nazo zonke izibonelelo eziqhelekileyo, kubandakanya ukukhanselwa kokuhamba, ukulibaziseka kokuhamba, kunye neenzuzo zokulahlekelwa kwempahla, ngaphandle kokuthenga ipolisi eyongezelelweyo.
Ukongeza, ezininzi izicwangciso ze-inshurensi zokuhamba ngekhadi lokuthenga ngetyala ziza kunye nokufa ngokukhawuleza kunye nokukhutshwa kwezinto ezichasene nemithetho emininzi yemveli. Ngelixa abantu abaninzi bacinga nge-inshorensi yokuhamba ngekhadi lokuthenga ngetyala njengomgaqo-nkqubo wokupasa ngokuzenzekelayo, amakhadi athile aza kubhaqa ixabiso lamaphupha aqhutywe ngoluhambo kwixabiso elithile.
Nangona oku kunokwanela ukuba abahambi baqwalasele ukuthenga isicwangciso se-inshurensi yokuhamba kwendabuko, kubalulekile ukuba uqaphele ukuba yintoni umgaqo-nkqubo we-inshorensi yokuhamba ayiyi kugubungela. Izicwangciso ezininzi zee-inshurensi zokuhamba ngekhadi lokuthenga ngesikweletu zineenkcukacha ezikhawulezileyo zokunakekelwa kwezonyango kunye nokunyamekelwa kwezonyango , oku kuthetha ukuba abahambi banganyanzeliswa ukuba bahlawule ephaketheni xa bephela belimala xa behamba. Okwesibini, i-inshurensi yokuhamba ngekhadi yesikweletu ingafikelela kwinqanaba elithengiweyo kwikhadi.
Ukuba umhambi wathenga i-flight yabo kunye nemoto yokuqeshisa kumakhadi amabini ahlukeneyo, aya kuhlanganiswa yimigaqo-nkqubo emibini eyahlukileyo. Ekugqibeleni, umgaqo-nkqubo we-inshurensi yokuhamba ngekhadi yemali-mboleko ayikwazi ukubonelela ngokubaluleka kokubhengezwa kwexabiso, kubandakanywa izinto ezinobungozi, izinto ezongezelelweyo ezikhoyo ngaphambili, okanye ukuChoxisa nayiphi na i-add-ons . Ngenxa yoko, abahambi bangaphuthelwa kwiintlobo ezinokuthi zihambelane ne-adventure yazo ezayo.
Ngelixa abanye abahambi banokuba bathambekele ekucingeni yonke inshorensi yokuhamba iyalingana, apho bafumana khona ukukhutshwa kwabo kubaluleke kakhulu ukuqonda. Ngokuqonda ukuxhamla kunye nenkunkuma ye-inshurensi yokuhamba ngeendlela zamasiko kunye namakhadi abo ekwereta, abahambahamba banokwenza uncedo lwazo.