KUYAJABULISA ukuthenga imoto ngoba usuke ufeza elinye lamaphupho akho. Kuleyo njabulo, kubalulekile ukuqinisekisa ukuthi konke okusayinayo uyakuqondisisa nemigomo yenkontileka uyayazi, futhi uyayamukela.
Ezinye zezinto ezibalulekile ukuqinisekisa ukuthi imoto oyithenge ngokugcwele noma osayikhokhela inawo umshwalense.
Isimo somnotho asisihle kahle lokho kwenza abathengi abakhokhela izimoto bathwale nzima.
Ongoti bathi yize kunjalo, akuwona umqondo omuhle ukuhoxisa umshwalense wemoto yakho ngoba uthi uzama ukonga imali.
Uma uqhathanisa ukonga imali ngokungakhokheli umshwalense nenkinga ongabhekana nayo uma imoto osayikhokhela iba sengozini ingenawo umshwalense, kuyabonakala ukuthi ukungabi nomshwalene kuyingozi.
Izazi zithi kuhle ukhumbule ukuthi uma imoto yakho usayikhokhela, inkontileka yakho nebhange ikubeka ngokusobala ukuthi ngazo zonke izikhathi kumele imoto ibe nomshwalense ogcwele (comprehensive), uze uqede ukukhokhela isikweletu sebhange.
Uma ungenawo umshwalense, amabhange amaningi ayakwazi ukukusiza ngokukunika umshwalense wesikhashana okusiza wonge.
Ukwehlisa amanani owakhokha ngenyanga, lo mshwalense awubi nayo I -3rd Party Liability okusho ukuthi ubhekelela imoto yakho kuphela.
I-3rd Party Liability ibhekelela impahla noma imoto elinyazwa yimoto yakho uma uba sengozini futhi kunguwena osephutheni.
Uma ingekho bese uba sengozini kunguwena osephutheni, umnikazi wemoto kumele akhokhele ukulungiswa kwemoto noma impahla elimele ngesikhathi sengozi.
I-3rd Party Liability ingcono kunokungabi nhlobo nomshwalense. Okunye futhi okwenzekayo ukunyusa imali ye-excess okujwayele ukwehlisa inani lemali yestolimende
somshwalense. Kumele uyikhokhe ngokugcwele i-excess uma ulungisa emva kokuba sengozini.
Uma ungenawo nhlobo umshwalense emotweni esakhokha ebhange, njengomnikazi ibhange likuphoqa ukuthi uyikhokhele ngisho ingasekho (uma intshontshiwe) noma ingeke isalungiseka (uma isengozini).
Kubalulekile ukuthi uthintane ngokushesha nebhange lakho uma usuba nenkinga yokukhokhela umshwalense.
Uma kuba yibhange elikubambayo ukuthi umshwalense awunawo emotweni yakho, banalo ilungelo lokuyiqeda inkontileka yakho yokukhokhela imoto bayiphindisele emumva. Nalapho bayidayisa esidlangalaleni okuthi uma idayiswe ngemali engaphansi kwaleyo oyikweletayo, bakuphoqe ukuthi uyikhokhele size siphele isikweletu.
Qinisekisa ukuthi imoto yakho ihlale inomshwalense ngisho usuqedile ukuyikhokhela.