Riaan 
Ukuqonda kahle ukuthi yini imigomo yomshuwalense wemoto kusho ukuthi ingenye yezinkinga ezibaluleke kakhulu okufanele uzilungise lapho uqinisekisa imoto yakho.
Bambalwa abathengi abaziyo ukuthi kusho ukuthini inani okuvunyelwene ngalo noma ukushoda kwesikweletu, kodwa abathengi bavame ukuba namahloni kakhulu ukubuza futhi kunalokho benze sengathi bayazi.
Lokhu mhlawumbe kungesinye sezizathu ezenza i-Ombudsman for Short-term Insurance ithi ihhovisi lithola izikhalo eziningi ngomshwalense wemoto.
Uma ungazi ukuthi yini oyisayinelayo, ngeshwa akuzona izaba uma ufuna ukubuza ukuthi kungani ufaka isicelo sokuthi ungakhokhelwa noma uthola imali encane kuphela.
Kungase kwehluke kakhulu uma wonke umuntu ekhuluma nomshwalense wakhe mayelana nemigomo nemigomo ehlukene yomshwalense wemoto, kusho u-Wynand van Vuuren, umlingani wokuhlangenwe nakho kwamakhasimende kwaKing Price Insurance.
“Abantu abazi ukuthi amagama athile asho ukuthini, noma bathatha iseluleko kubangane esikhundleni sokuthola amaqiniso. Izinkundla zokuxhumana nazo ziyimayini yolwazi olunganembile oluvela kubahlaziyi abanezisusa ezinhle kodwa abangaqondi kahle.”
FUNDA FUTHI: Qinisekisa ukuthi izimangalo zomshwalense wemoto yakho zikhokhelwa ngalawa macebiso
Unikeza amathiphu alandelayo kubathengi ukuze basuse imibono eyiphutha evamile ngomshwalense wemoto:
Ukudayisa, imakethe kanye nenani okuvunyelwene ngalo
Abaningi bomshwalense abahlinzeka ngekhava ephelele bazoqinisekisa imoto yakho ngenani layo lokudayisa.
Inani lokudayisa liyilokho okungabiza ukuvala imoto yakho yamanje.
“Ngamanye amazwi, yilokhu okungabiza ukuthenga imoto yakho kumdayisi njengamanje, uma kubhekwa iminyaka yayo, isimo sayo kanye nebanga elingamakhilomitha. Intengo yokudayisa ngokuvamile iphakeme kunevelu yemakethe, okuyilokho ongakwazi ukudayisa ngayo imoto yakho njengamanje.”
UVan Vuuren uthi kubalulekile ukwazi ukuthi imoto ilahlekelwa yintengo kusukela ngosuku lokuqala ngenxa yezizathu ezahlukene.
“Amanani okuthengisa nemakethe yemoto yakho kokubili ayancipha ngokuhamba kwesikhathi. Uma imoto yakho icishiwe noma yebiwa futhi ifakwe kumshuwalense wenani layo lokudayisa, umshwalense wakho uzokhokha kuphela inani lemoto ngesikhathi sokulahlekelwa hhayi lokho okukhokhele imoto.”
Abanye abadayisi bomshwalense sebezoqinisekisa imoto yakho ngenani okuvunyelwene ngalo futhi lokhu kusho ukuthi ungakhetha inani elingokoqobo lokushintsha imoto yakho.
I-King Price, isibonelo, inikeza abathengi inani okuvunyelwene ngalo elingafika ku-20% ngaphezu kwevelu yanamuhla yokudayisa.
Ilungiswa iminyaka emithathu futhi ayinciphi okusho ukuthi uma imoto yakho icishiwe noma yebiwa ngalesi sikhathi, wazi kahle ukuthi imali oyikhokhayo izoba yimalini.
FUNDA FUTHI: Amathiphu aphezulu wokuqinisekisa imoto yakho esetshenzisiwe
Ukushoda kwesikweletu
UVan Vuuren uthi abathengi baphinde badidwe yigama elithi ukushoda kwezikweletu. “Ngamagama alula, ukushoda kwesikweletu kuhlanganisa umehluko phakathi kwenani lemoto yakho elinomshwalense kanye nenani osalikweleta ibhange.”
Uthi uma umeshonisa ekhokhela imoto yakho, imali ekhokhwayo yomshwalense ngesikhathi imoto yebiwa noma icishiwe ingaba ngaphansi kwesamba semali obusele. “Uma wengeza umshwalense wokushoda ngesikweletu kwipholisi yakho, umshwalense wakho uzophinde akhokhe imali osayikweleta ibhange ngemuva kokukhokha isimangalo sakho.”
Abathengi abaningi bacabanga ukuthi ukushoda kwesikweletu kuhlanganisa igebe phakathi kwevelu yemoto yakho enomshwalense (yokudayisa) kanye nenani lemoto entsha, kodwa akwenzeki lokho.
Indlela yokukhetha umshwalense wemoto ongcono kakhulu
Uma uthatha isinqumo ngomshwalense wemoto ongcono kakhulu kuwe, kufanele uqonde ukuthi ubhalisele ini, usho futhi uxwayise abathengi ukuthi bangamane bamukele okushiwo ngomunye umuntu kuFacebook. “Kungcono ucele umshwalense wakho ukuthi akuchazele yonke imigomo ekupholisi yakho. Kungase kukugcinele isimanga esibi uma kwenzeka noma yini emotweni yakho.”
