KUFANELE ngabe abantu sekuyinto abayenzayo ukuba nomshwalense ozobavikela ezimeni abangazihlelele.
Uma ubheka indlela abantu abangawunaki ngawo umshwalense kulesi sikhathi (owendlu nowemoto), kuyabonakala ukuthi owebhizinisi ngeke ubonakale ubalulekile.
AbakwaBonnet Brokers bakhiphe nanka amaphuzu abalulekile okumele abantu abasebhizinisini bawazi:
- Njengoba umshwalense wemoto ubhekelela imoto yakho uma kwenzeka ingozi, umshwalense webhizinisi nawo ubhekela ibhizinisi lakho nezimpahla. Ibhizinisi lakho liyimpilo kuwena nabasebenzi okwenza kubaluleke ukuthi ube nomshwalense obhekela wena nabasebenzi bakho. Uma ibhilidi osebenzela kulo liba nengozi (ukusha noma ukuwa ngenxa yokuzamazama komhlaba), kubalulekile ukuba livuswe singakapheli isikhathi eside ukuze umsebenzi uqhubeke. Uma unomshwalense webhizinisi uyakwazi ukulungisa isimo esinjalo ngokushesha.
- Ukonakala kwempahla yokusebenza kunomthelela ekuweni kwezinkampani eziningi ikakhulukazi ezintweni ezinjengemoto yokusebenza. Uma imoto yomsebenzi iba sengozini bese iya kolungiswa okungathatha isikhathi esingaphezulu kwenyanga, uma unomshwalense, uyakwazi ukuthola imoto yokubambisa kulowo msebenzi kuze kubuye imoto yakho.
- Izinkampani ezithutha izimpahla zamakhasimende azo kubalulekile ukuba zibe nomshwalense obhekela lezo zimpahla ngesikhathi zisendleleni. Lokhu kubizwa ngeGood in Transit Cover. Uma impahla yekhasimende ilimala isendleleni umnikazi webhizinisi othutha impahla engenawo umshwalense, kumele ayikhokhele ngokugcwele ngentengo ikhasimende lakhe ebelizoyidayisa ngayo. Lokhu kunganika ibhizinisi elithuthayo ingcindezi.
- Uma ubheka embonini yokuthuthwa kwabantu njengamatekisi noma ye e-hailing, uma umgibeli elimala esemotweni, uyakwazi ukubopha umninikazi wemoto. Lokhu kungasuka emalini encane kuze kube semalini ebiza izigidi. Uma unomshwalense obhekela abagibeli (Passenger Liability Cover), kuba yiwo okhokhela abakubophayo.
- Ukuba nomshwalense obizwa nge-3rd Party Cover, kuvikela umnikazi uma umsebenzi wakhe noma impahla yakhe ilimaza impahla yomphakathi noma ekahulumeni. Uma uthutha uphethroli bese iloli liyasha lone umgwaqo, uhulumeni uyakwazi ukukubopha afune imali yokulungisa lowo mgwaqo. Uma imoto yomnikazi webhizinisi ingena emzini womuntu ilimaze nabantu, i-3rd Party Cover ibhekelela ukuboshwa okungaqhamuka kuleyo ngozi.
- Ukuvikeleka kwabasebenzi benkampani nakho kunomshwalense okubhekelelayo. Uma umsebenzi elimala enkampanini, umshwalense webhizinisi uyakwazi ukubhekela izindleko zokulimala komsebenzi