Ukuhlala uphephile kwindawo yakho yokuqeshisa xa ushaya kwindawo evulekile
Olunye udideko oluqhelekileyo kubahambi banamhlanje luhlobo luni ye-inshurensi yokuhamba abayifunayo xa beya kwelinye ilizwe. Oku kunjalo ngokukodwa kwabo baqeshisa imoto kwelinye ilizwe. Nangona ukunciphisa kwe-inshurensi kwimoto yokuqashisa kuye kwachongwa ngokuqinisekileyo, loo nqanaba le-coverage (okanye lingenakusebenza) lingasebenza xa uhamba kwelinye ilizwe.
Phakathi kwemiqobo yolwimi kunye nemithetho eyahlukeneyo yemoto, abaqashi bemoto bangashiywa ngeminye imibuzo ngaphezu kweempendulo.
Ngaba uyazi ukuba uya kuba noxanduva lini xa urenta imoto kwelinye ilizwe?
Ngokuqonda amanqanaba ahlukeneyo kunye nendlela anokuchaphazela ngayo imeko zakho, unokuzilungela kangcono imeko yeyona nto. Nazi ezinye ze mibuzo eziqhelekileyo ezibuzwa malunga ne-inshurensi yokuhamba kwiimoto eziqashisayo ngexesha elikude.
Ingaba i-inshurensi yemoto iya kwandiswa kwiimoto zokuqeshisa ngamazwe ngamazwe
Umgaqo-nkqubo wakho womshuwalense wenqwelo-mali wangoku ungabhalela imoto yakho yokuqeshisa xa kwenzeka ukuba ungene engozini xa uhamba e-United States, kodwa ngaba uya kufikelela kwimida? Ininzi yomshuwalense we-auto isebenzise izibonelelo zabo kwiindawo zokuqashisa zasekhaya - iimoto zokuqeshisa ngamazwe ngamazwe azibandakanyi kule nkqubo. Ngenxa yeengozi ezenzekayo ngokuqhuba kwelinye ilizwe, kunye nemithetho yehlabathi, ezininzi iinkqubo ziphela xa uwela kwelinye ilizwe.
Ngaphambi kokwenza izicwangciso zeenqwelo zomhlaba eziqashisayo, qiniseka ukuba uyaqonda ukuba umgaqo-nkqubo we-inshurensi yomshuwalense ufikelela kwelinye ilizwe.
Inceba yomshuwalense ayinweli kolwandle kunye nemida, ingaba ixesha lokuqwalasela ukuthenga umgaqo-nkqubo wendlela yokuqasha i-inshorensi yokuhamba. Iiplani eziqhelekileyo ziza kunye nenqubomgomo yomshuwalense wokuhamba, okanye ngokuthe ngqo kwinkampani yokuqashisa imoto.
Inkonzo yomshuwalense wemoto njengenxalenye yomgaqo-nkqubo wakho wokuhamba
Xa uhamba kwelinye ilizwe, umgaqo-nkqubo we-inshorensi yokuhamba unokunceda abo bahamba ngeemeko ezimbi kakhulu-kuquka iingozi zendlela.
Ezinye iinkqubo ze-inshorensi zokuhamba zibonelela nge-inshurensi yemoto yerensi yokuqeshisa eyayiza kubandakanya iinqwelo zeentengiso zamazwe ngamazwe, kunye nokukhanselwa kohambo kunye neenzuzo zonyango.
Xa ucinga ukuthenga i-inshurensi yemoto yerenti, qiniseka ukuba ufunde ukushicilelwa okufanelekileyo kwiimeko ezinjani. Ngokomzekelo: ezininzi zokuthengwa kweemoto zokuqasha ziya kubambisa i-inshurensi yokuqhafaza, kodwa kungabikho ukweba kwi sithuthi. Ukongezelela, ezinye iimveliso zomshuwalense zinokubakho okwesibini, oku kuthetha ukuba ziya kusebenza kuphela emva komgca wokuqala we-inshorensi.
Ekugqibeleni, abanye ababonelela nge-inshurensi yemoto abanakho ukufumana i-inshurensi ayimfuneko. Kunoko, bangashiya umhambi ngeendlela ezimbini zokukhetha: unike ileta evela kumniki-nkonzo wekhadi-mboleko enesiqinisekiso se-inshurensi, okanye unike i-inshorensi kwinkampani yemoto yerenti.
Inkampani yomshuwalense weqashiso ngokusebenzisa inkampani yakho yokuqasha
Xa kufunwa ngokukhawuleza, abahambi bangathenga umgaqo-nkqubo we-inshorensi ngqo kwiinkampani zabo zokuqashisa imoto. Nangona le nkqubo ihlawula isantya sosuku ngalunye ukuya kuma-25 e-25 ngosuku, banokukunceda ukujongana neendleko xa kwenzeka imeko yongxamisekileyo.
Njengamaxesha onke, qiniseka ukuba uqonde ukushicilelwa kakuhle kwepolisi yomshuwalense ngaphambi kokuthenga.
Umgaqo kunye neengcawa ezininzi kunye nezibhengezo, okanye enye ethathwa ngokuba "yongeziweyo" okanye "isibini" kuphela, inokuthi inganikezeli ngezinga elipheleleyo lokukhawuleza ukuba kukho into engafanelekanga. Kwiimeko ezininzi, abahambahamba banokufumana ukuba yeyiphi i-inshorensi imfuno zeenkampani zokuqashisa imoto zifuna ngokukhawuleza kweewebhusayithi zabo.
Akukho mntu ufuna ukucinga ngento ebi kakhulu xa ehamba-ngokukodwa kwimoto yokuqashisa. Kodwa ngokuqonda ukuba yeyiphi i-inshurensi yemoto yerenti ngaphambi kokushaya indlela, abahambi bangahamba phantsi komgwaqo omkhulu ovulekile kwaye kulula.