Ingaba okanye akufuneki ukuba umonakalo wokutshatyalaliswa komonakalo wokuxhatshazwa kuxhomekeke kwimfuno zakho zemoto yokuqeshisa, indawo kunye nendlela yokuhlawula.
Yintoni yokuHlulwa koMonakalo wokuLungiswa koMbane?
Xa abaqashi beenkampani zenkampani yokuqeshisa imoto bacela ukuba uthenge umonakalo wokuLawulwa koMonakalo (CDW) okanye i-Loss Damage Waiver (LDW), bacela ukuba uhlawule imali ethile ngosuku ngokubuyisela inkokhelo encinci xa kuthengiswa imoto yerenti. okanye ezebiwe.
Imali oyihlawulayo iyahluka ngendawo kunye nohlobo lwemoto yokuqeshisa. Ukuthatha (kunye nokuhlawula) i-CDW incwadana inokongeza i-25% okanye ngaphezulu kwiindleko zokuqeshisa kwakho. Kwamanye amazwe, njenge-Ireland, unokufunwa ukuthenga i-CDW okanye unikezele ubungqina bendlela enye, uhlaselo olulinganayo ukwenzela ukuqesha imoto.
Ukuthengwa kwe-CDW inokukugcina imali ukuba imoto yakho yokuqeshisa ibonakaliswe. Ukuba awuyi kuthengi i-Collision Damage Waiver coverage kunye nento eyenzekayo kwimoto yakho yokuqasha, unokugqiba ukuhlawula inkampani yemoto yerenti imali eninzi. Imali echithwayo kwimoto yakho yokuqeshisa ingaba phezulu - kwezinye iimeko, ngokunjalo kumawaka eedola - kwaye unakho ukuhlawula inkampani yemoto yokuqeshisela ukulahlekelwa kokusetyenziswa kwelo moto ngelixa lilungiswa.
Ngakolunye uhlangothi, ukukhutshwa kwe-CDW kungabiza kakhulu. Kwezinye iimeko, inokuziphindaphinda kabini izindleko zokuqasha imoto. Ukuba uqhuba kuphela imoto yakho yokuqeshisa ibanga elincinane, ukuthenga i-CDW coverage ayinakulungele - ngaphandle kokuba, ngokuqinisekileyo, ufumana ingozi.
Umgca wokugqibela: Uzakufuna ukufunda yonke isivumelwano sakho sokuqashisa imoto kwaye uqikelele ngokucophelela i-pros and cons for the payment of Collision Damage Waiver coverage xa ukhetha imoto yakho yokuqashisa.
Eminye indlela yokuthenga ukuLawulwa kweMizamo yokuHlalwa koMbane
Iinkampani zeCredit Card
Inkampani yakho yekhadi lekhredithi inokunika ingxelo ye-CDW, xa uhlawula ngokurenta yakho kunye nekhadi lekredithi kwaye unqatshelwe i-CDW kwingxelo yenkampani yokuqashisa imoto.
Ukuba ukhetha olu khetho, qiniseka ukuba ufunde imimiselo kunye neemeko zekhadi lakho lekhadi ngaphambi kokuba uqeshe imoto. Ezinye iinkampani zekhadi zekhredithi zinikeza ukuhanjiswa kuphela e-United States, ngelixa ezinye zingabandakanyi amazwe athile. Phantse zonke iinkampani zamakhadi zekredithi azibandakanyi ukuqashisa imoto e-Ireland, nangona i-American Express yongeza iIreland kuluhlu lwayo kumazwe aphakamileyo ngoJulayi 2017.
Inqwelo-mali
Funda umgaqo-nkqubo womshuwalense we-auto okanye ufonele inkampani yakho yenkampani yomshuwalense ukuba ufumane ukuba ngaba umgaqo-nkqubo wakho wemoto uquka ukukhutshwa komonakalo kwimoto yokuqashisa. Amanye ase-US athi, njengeMaldin, afuna abaqinisekisi bemoto ukuba banike le ngxelo. Ukuba umgaqo-nkqubo wakho ubandakanya umonakalo wemoto yerenti, akumele uhlawule inkampani yakho yokuqeshisa imoto kwi-CDW xa uqeshe imoto. Qiniseka ukuba uhlolisise izibhengezo, ezifana nokuqashisa imoto ngaphandle kwe-United States kunye nokuqashisa imoto e-Ireland.
Abahamba ngeeNtshumo
Unokwazi ukuthenga umonakalo wokukhawuleza umonakalo wokubambisa kwinqanaba lokuphuma kwinshurensi yokuhamba xa uqinisekisa uhambo lwakho . Abanikezeli bee-inshurensi zokuhamba ngeenqwelo-mpahla banikezela ukukhawulwa kwemoto yokuqashiswa kweZithuthi, onokuyithenga ukuba ufuna ukunciphisa i-CDW enikezelwa yinkampani yakho yokuqashisa imoto. Olu hlobo lunikezelo lusetyenziswa kuphela kwiimeko ezithile, kubandakanywa ukweba imoto, intlankqalazo, ukungabikho kwemibutho yoluntu, intlekele yendalo, ukudibana kunye nokuthukuthelisa imoto.
Ezinye iimeko, kubandakanywa ukuqhuba ngexesha lokuxiliswa, zikhankanywe ngokukodwa kwiNgxowa-mali yokuHlulwa kweZithuthi. Uninzi lwababoneleli be-inshurensi yohambo aluyi kuthengisa ukuthengiswa kweMoto yeRhafu yeenqwelo-mali ezithile kwiintlobo ezithile zeenqwelo zokuqashisa, ezifana nezithuthuthu, ii-vans kunye neenkampu. Ukuba inkampani yakho yokuqeshisa imoto idinga ukuba ufumane ingxelo ngezinye iimeko, ezifana neklasi ephukile okanye ephukile eyaziwayo (eqhelekileyo e-Ireland), unako ukukwazi ukufaka i-CDW.
Ngokuqhelekileyo awukwazi ukuthenga umonakalo wokuLawulwa kweeNqweliso zeZithuthi. Ingozi yokuqashiswa kweMoto yeRhafu ihlala ihlanganiswe kunye nezinye iintlobo ze-inshurensi yokuhamba. Unokucela isicatshulwa somgaqo-nkqubo we-inshurensi yokuhamba ngokusuka kumgcini we-underwriter, njenge-Travel Guard, Travelex, i-HTH kwi-Worldwide okanye i-MH Ross ye-Assurance Services Services, okanye kwi-inshurensi yomshuwalense kwi-intanethi njenge-SquareMouth.com, TravelInsurance.com okanye i-InsureMyTrip.com .
Qinisekisa ukuba ulungele yonke ipolisi yomshuwalense yokuhamba kunye nohlu oluhambelanayo lwezinto ezingabikho ngaphambi kokuba uthenge.