Xa sihamba okanye sibhukisha uhambo lwethu asithandi ukucinga ukuba kufuneka siyiqinisekise, Nokuba kungokurhoxiswa, ukulahleka, ukugula okanye ubusela, nangona kunjalo, xa kukho into engalindelekanga eyenzekayo kuwe, uyonwabile ngokuba uthathe i-inshurensi. Ngokucacileyo, ayenzeli ubuzaza bokuqala kunye nokucaphukisa kobubi, kodwa ubuncinci ewe uyabhatalwa.
Kwimeko yokuhamba ngenqanawa, ngenxa yeempawu zazo ezizodwa, kukho amaxesha apho i-inshurensi yokuhamba ngokubanzi ingagubungeli onke amatyala kunye neziganeko ezingalindelekanga ezinokuvela, kwaye kuya kufuneka uxele ukuba luhambo ngephenyane. Ndikucebisa ukuba ulifunde kakuhle eli nqaku, ngakumbi ukuba awunawo amava xa useluhambeni.
Ukucinywa okanye ukurhoxiswa i-inshurensi
Zihamba njani iinqanawa bhukisha umyinge weentsuku ezingama-71 kwangaphambili, kunokwenzeka, ukuba xa umzuzu usondela, kuya kufuneka urhoxise. Ngenye imini abanye abahlobo bam bandixelela ukuba bambizele indawo yokuvota kwaye baphoswa luhambo, kodwa ubuncinci babenako ukutshintsha umhla ngaphandle kwendleko.
Kubalulekile ukuba uyazi loo nto ayizizo zonke iindlela zokuhamba ngenqanawa eziya kukubuyekeza kwimeko apho lurhoxisiwe uhambo okanye kungenziwa nakuphi na ukuma, ngaphaya kwemozulu engathandekiyo enyanzela ukutshintsha ikhosi. Kungcono ujonge amathuba okubuyisa imali yakho, okanye ubuncinci kuyo, ngaphambi kokuvala uhambo lwakho. Oku kurhoxiswa yinkampani ebonelele ngesikhephe, kodwa Enye into kukuba uthatha isigqibo sokurhoxisa.
Xa uthatha isigqibo sokuqinisekisa i-cruise yakho, into yokuqala ekufuneka uyazi zizizathu ezinokukukhokelela ukuba urhoxise uhambo lwakho, umzekelo, kukho amaxesha angakuvumeli ukuba uhambe kuba ukwikamva lokumitha eliphambili, ukanti awuyifumani imali yakho.
Ngamanye amaxesha i-inshurensi iyakugubungela ezinye zezehlo ezingalindelekanga ezinje ngongxamiseko losapho, iintlekele zendalo, ingozi, ukugula…. Imali oyifake kwi-inshorensi iya kubuyiswa logama ukurhoxiswa kuchatshazelwe kumagatya einshurensi. Nalu uluhlu lwe iingcebiso zokuhamba ngenqanawa okokuqala.
Kukho ezinye Iinshurensi ezinamaxabiso amiselweyo ngokuxhomekeke kwindawo ekuyiwa kuyo kulowo uhamba kunye nabanye abasebenzisa ipesenti yokubuyela kwimali yohambo. Le mbuyiselo yi-5% ngaphezulu okanye ngaphantsi, kwaye ngokuxhomekeke ekubeni unobangela kufanelekile. Iliso! Kuba ukuba uhlawula amatikiti e ukuhamba ngekhadi lekhredithi, ezinye zibandakanya ukugubungela urhoxiso. Fumanisa kakuhle ukuba ikhadi lakho linika le ngxelo.
I-inshurensi enogonyo
Omnye umbuzo obalulekileyo xa uza kuhamba iintsuku eziliqela, ngu kwenzeka ntoni ukuba ufuna i-inshurensi yezempilo. Sikuxelele ngamanye amaxesha, kwiinqanawa zokuhamba ngenqanawa kukho uncedo lwezonyango, nangona oku kubiza kakhulu, ngaphandle kokuba unayo i-inshurensi yezonyango ejongene noviwo kunye namayeza. Njengomgaqo i-inshurensi ekumgangatho ophezulu ikugubungela ukuya kuma-30.000 eeuros zeendleko zonyango ezandayo, kwaye oku kubandakanya inkcitho yamazinyo.
I-inshurensi yokulahleka kwempahla
Esi sisihloko. Ngaba kunjalo kunqabile ukuba imithwalo ilahleke kwinqanawa yokuhamba ngenqanawa, okoko ukuthunyelwa kwenziwa kwizibuko elinye. Nangona kunjalo, into enokwenzeka kukuba uthathe uhambo oludibeneyo lokuhamba ngenqwelomoya kunye nokuba kwisigaba sokuqala iisutikheyisi zakho zilahlekile. Ukuba awunayo i-inshurensi kwinqwelomoya, ezinye iinkampani zeinshurensi yokuhamba ngenqanawa ziqinisekisa ubuncinci kwimithwalo yakho, Kodwa ke, oko akuthethi ukuba uza kuyifumana kwakhona. Sithetha kuphela ngembuyekezo.
Ngokuqinisekileyo kwinqanawa yokuhamba ngenqanawa, kodwa ndiyaphangwa emhlabeni
Kwiinqanawa, imeko yokuphangwa kwiikhabhathi ayiqhelekanga, inene. Kodwa Ewe kunokwenzeka ukuba xa uyehla kwizibuko ibhegi yakho ibiwe okanye ilahlekile. Kwimeko apho, kuya kufuneka ubone ukuba i-inshurensi yakho igubungela kuphela iziganeko ezingalindelekanga ebhodini okanye ikwagubungela ububi emhlabeni.
Sicebisa ukuba ubuze i imali yokugubungela kwangaphambili. Kungenxa yokuba ukuba amakhadi akho abiwe okanye alahlekile ungasebenzisa imali ezinkozo de uphinde uzibuyise, kwaye ayisiyonto incinci xa usuka kwizibuko usiya kwizibuko. Ubuncinci yenza kube lula kuwe ukuba uqhubeke nokonwabela iholide yakho.
Siyathemba ukuba ngezi ngcebiso sikuncede ukuba uthathe isigqibo ngeyona inshurensi yakho yokuhamba ngenqanawa, into endithemba ukuba awuzukuyisebenzisa, kodwa ukuba kukho imfuneko, uyakonwaba ukuba uyenzile.