KUMELE ukucabangisise kabusha ukunciphisa izindleko zakho zenyanga ngokuhoxisa umshwalense wemoto ukuze ungabi senkingeni uma kukhona okwenzekayo kuyo noma uma kunguwe odala ingozi.
Lokhu kushiwo nguKutlwano Mogatusi wezokuxhumana eWesBank Motor othe uma uthenga imoto okokuqala kumele umshwalense kube yinto eseqhulwini lezindleko zakho.
Uthe umshwalense yindlela yokuvikela imoto yakho kuwena ezindlekweni ongangena kuzo uma iba sengozini noma intshontshwa.
Ukukhokha umshwalense nyanga zonke kukunikeza ukuthula emqondweni kokuthi imoto yakho izokhokhelwa uma uba kwenzeka usenkingeni, kusho yena.
"Uma imoto yakho inomshwalense enkampanini eyaziwayo uzovikeleka uma iba sengozini, ilimala ngenxa yesimo sezulu, umlilo noma yebiwa. Uma kunebhadi lokuthi ingozi kube yiphutha lakho futhi kulimale enye imoto, kumshayeli noma abagibeli noma umuntu ohamba ngezinyawo, umshwayelense kumele ubhekane nalokho futhi."
Uthe ngenxa yokuthi awukwazi ukubona ukuthi kuzokwenzekani empilweni ngomuso, umshwalense ubalulekile. Uthe futhi uma uzama ukulungisa isicelo sokukhokhelwa wumshwalense womuntu olimaze imoto yakho, ungafonela umshwalense wakho kube yiwo osingatha lolu daba nokuyinto ekunika ukuphumula.
"Umshwalense oyiwo uzovikela imoto yakho ezimeni zezulu, ukwebiwa, umlilo, ukulimaza enye imoto noma ukulimala kanzima engozini. Lona ubizwa nge-comprehensive insurance cover futhi ujwayele ukuthi ube yimpoqo uma uthenga imoto ngesikweletu sesikhungo esifana neWesBank."
Uthe umshwalense oyiwona uhlanganisa ukulungiswa kwemoto noma ishintshwe, ukukhokhelwa ngomonakalo owenze kwezinye izimoto, ukubolekwa enye imoto uma eyakho iyolungiswa nokuthola usizo uma ufelwa yimoto emgwaqweni. Uthe uma ufaka isicelo sokukhokhelwa, kumele bakusize bakululeke kahle baphendule nemibizo onayo kodwa kubalulekile ukuthi uyifundisise imigomo nemibandela.
"Ukwazi ukuthi yini engathinta imali oyikhokha nyanga zonke kungasiza ukuthi uthathe isinqumo ngomshwalense. Lokhu kuqala ngemoto oyishayelayo, ekanokusho izofuna ukukhokhelwa kakhulu bese kuthi endala noma eyisekeni futhi ebiza kancane izofuna uyikhokhele kancane. Ngisho umbala wemoto unomthelela kumshwalense, omhlophe ubiza kancane."
Uthe eNingizimu Afrika izinga lokwebiwa kwezimoto liphezulu futhi kunezimoto ezithathwa kakhulu nokuyinto engaba nomthelela emshwalenseni ngoba izinkampani zibheka ubungozi bokukhava imoto yakho.
Uqhube wathi imali oyikhokhayo ingathintwa yiminyaka yakho, ukuthi uhlala kuphi futhi usebenzaphi neminyaka yelayisensi yakho. Nendlela ophatha ngayo imali nomlando wakho wesikweletu unomthelela.
Uthe uma uneminyaka engaphansi kwemihlanu ushayela, uthathwa njengomuntu ongakabi namava futhi usemathubeni amaningi okuba sengozini. Uthe kubalulekile nokusho ukuthi ubani oshayela njalo imoto yakho.
"Ukuphepha kwemoto yakho kungenza yehle imali oyikhokhayo. Lokhu kungenxa yokuthi imoto enamathuba amancane okuthi igqekezwe futhi nezinto ezifana nama-airbag, amabhuleki e-ABS, ikhamera ngemuva nokuthi imoto yakho iyabika uma ungalifasile ibhande kungasiza ekunciphiseni umonakalo uma kunengozi."