Qikelela ukuvikeleka kunenani olikhokhela umshwalense
ABANTU abaningi uma bethatha umshwalense wemoto babheka kuphela inani lemali abalikhokha ngenyanga (premiums) kunokuthi babheke ukuvikeleka abakutholayo ngomshwalense abawuthathile. Lapho sebedinga ukufaka isicelo sokukhokhelwa bahlangane nezimbilazithutha sebebona ukuthi abavikelekile kahle ngoba babefuna ukonga emalini abayikhokha nyanga zonke.
Ama premium omshwalense wemoto yinani lemali ngamaRandi olikhokha nyanga zonke ukuze uthole ukuvikeleka ngalezo zinyanga. Inani olikhokhayo alifani kumuntu nomuntu ngoba abomshwalense babheka izinto ezahlukene ukufinyelela enanini olikhokhelayo ukuze uvikeleke. Ukukhokha amanani aphansi kujwayele ukuhambisana nokuvikeleka okuphansi. Ukuvikeleka okugcwele kuhambisana namanani aphezulu.
Nazi izinto okumele uzazi uma ufuna umshwalense omusha noma uma ufuna ukubuyekeza onawo:
Excess: Yimali umshwalense oyidinga kumninimoto emva kokufaka isicelo sokukhokhelwa.
Le mali kuba yimali ohlangabeza ngayo imali yokulungisa imoto noma imali ohlangabeza ngayo imali yokukhokhela imoto engasekho. Izinkampani zomshwalense zinezindlela ezahlukene zokubala inani lale mali ekhokhwayo.
Kubalulekile ukuthi uyifundisise i-policy yakho yomshwalense ukuze wazi ukuthi ukubalwa kweyakho i-excess kuyahambisana yini nokulindele nephakethe lakho. Imali ye-excess ijwayele ukubalwa ngamaphesenti. La maphesenti abalwa emalini yokulungisa imoto iphelele uma ilimele noma imali yokuyikhokhela ngokuphelele uma ingasekho noma yebiwe.
Ukugwema ukuthuswa yinani ongalikhokha, kubalukile ukuthi uthathe imali yemoto bese uyibala ngephesenti le-excess oyoyibona imali enkulu ongayikhokha uma uvelelwa isehlo ngemoto yakho. Imali enkulu ongayikhokha ye excess yilapho imoto intshontshiwe yangatholakala noma ilimele ngokudlulele (write off). Eminye imshwalense iyibala ngokwamaRandi i-excess. Lokhu kuyasiza ngoba inani ulazi kahle uliqondanise nephakethe lakho.
Iminyaka: Uma umshwalense ubala imali ozoyikhokha nyanga zonke uyabhekisisa iminyaka yomshayeli wemoto. Uma umshayeli wemoto eneminyaka engaphansi kuka-25 bamfaka esigabeni sabayingozi kakhulu. Lokho kusho ukuthi bazokhokha kakhulu ngenyanga noma babe ne-excess enkulu. Kulabo abangaphezulu kweminyaka engu 25, kujwayeleke ukuthi bababuke ngehlo elingcono uma kubalwa imali abayikhokhayo noma i-excess. Kubalulekile ukuthi othathe umshwalense ayisho ngeqiniso iminyaka yakhe futhi asho uma izoshayelwa wumuntu ongaphansi kwaleyo minyaka. Umkhuba omubi abantu abawenzayo owokubhala omunye umuntu (umzali) kwi policy bese beyinika omunye umuntu imoto. Uma umshwalense ukuthola lokhu, awuyikhokhi imali ye-claim.
Iminyaka yezincwadi zokushayela: Iminyaka yezincwadi zokushayela ikhombisa ulwazi lomshayeli emgwaqweni. Yingakho-ke abomshwalense bekhokhisa amanani aphezulu kumuntu osebe nezincwadi zokushayela iminyaka engaphansi kweminyaka emibili kunosebe nezincwadi iminyaka engaphezulu kwemibili.
Ngisho nohlobo lwezincwadi luyawenza umehluko njengoba umuntu ono C1 (Code 10) ukhokha ngaphezulu kunokuba ubeno B (Code 8).
Inani lokuvikela (market value vs retail value): Uma inkampani yomshwalense ibheka inani ezovikela ngalo imoto (cover amount) isebenzisa inani lokudayiswa kwayo (retail) noma inani lokuthengwa yigaraji (market).
Inani igaraji eliyithenga ngayo imoto liba ngaphansi kwenani edayiswa ngayo. Kubalulekile ukuthi uma uvikela imoto yakho ngokomshwalense, uyivikele ngenani lokudayiswa (retail). Leli nani lijwayele ukuhambisana nemali oyikweletayo ebhange uma uthenge ngesikweletu.
Izinto ozifaka emotweni (extras): Abathengi bamanje bayathanda ukufaka izinto zokwengeza ubuhle ngaphezulu uma bethenga imoto yabo. Lokhu kubizwa ngama-extras, okuyizinto imoto engakhiwanga nazo kodwa umthengi afuna zifakwe emotweni ayithengile.
Lapho sibala izinto ezinjenge nudge bar, izitebhisi zokungena, izihlalo zesikhumba, amarimu nokunye. Amanani alezi zinto anyusa inani lemoto. Kubalulekile ukuthi umthengi azisho kumshwalense zonke izinto azifakile emotweni yakhe kumshwalense. Lokhu kwenza ukuthi uma imoto ilimala, bakwazi ukuzibala nazo ezintweni okumele bazikhokhele.
Uma ungazibalanga, kungathi uma umshwalense ukuthengela imoto entsha ukunike “enqunu” engasenazo lezo zinto.