Kutheni le nto kufuneka ube ne-inshurensi yekhaya?

Iikharavani zeRente

Ihlobo sele linika izithonga zalo zokugqibela. Nangona kunjalo, imozulu entle ibonakala ngathi ihleli kwaye baninzi abasebenzisa ithuba lekhefu lokugqibela ukuvala ihlobo ngesimbo kude kube ngunyaka olandelayo. Zeziphi ezona zicwangciso zibalaseleyo zokubeka umnqweno wokugqibela ehlotyeni?

Esinye sezona zicwangciso zibalaseleyo zezindlu zeemoto. Ngakumbi nangakumbi abantu bayakhuthazwa ukuba bathathe uhambo ngolu hlobo lwesithuthi. Kwaye ayisiyonto incinci kuba izibonelelo ezibonelelayo zininzi

  • Ukubanakho ukuhamba uye kwiindawo ezininzi ngexesha elincinci
  • Ukuba bhetyebhetye ngokunganyanzelekanga ukuba uboshwe kukungena okanye ixesha lokuphuma

Ungoyiki imozulu nokuba, kuba nokuba yenza ngcono okanye imbi, ezi zithuthi zinenkqubo yokufudumeza ngaphakathi. Ngoku nge-COVID baye baba nefashoni kakhulu, kodwa ewe, xa uhamba naye kunyanzelekile ukuba ube i-inshurensi yekhaya.

Izizathu zokuba ne-inshurensi yemoto

Qesha ikharavani

Ukwenza inkampu embindini wendalo kunayo, kodwa kunokubakho noluhlu lweemeko zombini kunye nolunye, ukuba zinokwenzeka kwaye sine-inshurensi yendlu yethu yemoto, singayeka ukukhathazeka kakhulu.

  • Uphumelela ngoxolo Ukuba unayo indwe yokukunceda xa kunokwenzeka into yenzeke, ngokwakho okanye ngenxa yeziphumo zendalo ngokwayo ezinje ngemililo, izaqhwithi zeempawu ezintle okanye amasebe awayo, phakathi kwabanye
  • Uyakuphepha ukuhlawula imali eninzi kakhulu kwimeko yokonakala, ukubiwa, ukubethwa kwezinye izithuthi okanye izibonelelo kwanokubethwa ngabantu besithathu

Kukuphi ukugubungela i-inshurensi yemoto edla ngokuba nayo?

Ikharavani yokurenta

Ngokubanzi, uninzi lweinshurensi yeemoto zihlala zibonelela ngezi zinto zilandelayo ezona zixhobo zisisiseko:

  • Uxanduva lwaseburhulumenteni
  • Ingozi yomqhubi
  • Uncedo lokuHamba
  • Ibango lomonakalo

Abantu abadala banako zibandakanya ezinye iintlobo zokugubungela ukhuseleko olukhulu njengobusela, iifestile ezaphukileyo okanye iiphaneli zelanga, phakathi kwezinye.

Enye yeemodeli ezaziwa kakhulu ziivenkile zokukhempisha, ezilingana ngobukhulu izibini ezifanelekileyo ezihlala zihamba nazo iintsuku ezimbalwa kakuhle. Kwiimeko ezinje, kungcono ukufumana I-inshurensi yokuqeshisa iimoto iintsuku. Kodwa, ngaba kuqoqosho ukuthatha i-inshurensi yolu hlobo?

Ngenxa yoku, kuhlolisisiwe ukuba ixabiso lihluka kangakanani xa kuqeshwa i-inshurensi yemoto kubo bobabini abesithathu kunye nayo yonke imingcipheko yeentsuku ezisi-7, 15 nezingama-30.

Uhlobo lweinshurensi Iintsuku ze7 Iintsuku ze15 Iintsuku ze30
Amaqela amathathu 35 - 54 € 60 - 130 € 126 - 195 €
Yonke ingozi 84 - 95 € 179 - 198 € 292 - 332 €

Umthombo: ulungiswe yiRoams ngeTerránea.

Ikharavani yokurenta

Ngaphakathi kwi-inshurensi yomntu wesithathu, ixabiso libiza kakhulu okanye litshiphu kuxhomekeke ekubeni libandakanya uncedo lwezithuthi okanye akunjalo, ngokwahlukeneyo. Kwimeko yeinshurensi ebanzi, isixa siyatshintshwa ngokuxhomekeke kwi-inshurensi engaphezulu. Yiyo loo nto ukuba i-inshurensi ebanzi ene- € 200 egqithisileyo, iindleko ze-inshurensi ziphezulu kunaleyo ye-inshurensi ene- € 300 engaphezulu.

Ekugqibeleni, kuyabonakala ukuba akukho mahluko mkhulu phakathi kwe-inshurensi yeentsuku ezisi-7 okanye ezili-15. Njengomgaqo ngokubanzi, ukuqesha a I-inshurensi yemoto inyanga nenyanga iyakubiza ngexabiso eliphantsi kubalo lweendleko ngosuku Ungathini xa uyenza iveki okanye iiveki ezimbini. Ke ngoko, iya kubiza ixabiso ngakumbi kwiintsuku oziqeshayo.

Kwaye okona kubaluleke kakhulu, unethuba lokuba I-inshurensi iya kuhlawula amalungiselelo ngaphandle kwentlawulo ukuba kunokwenzeka into yehle kuwe kunye namaqabane akho kunye nakwimoto ohamba ngayo. Ke ngoko, ukuphilisa empilweni lolona khetho lufanelekileyo kubo bonke.

Ngaba uyafuna ukubhukisha isikhokelo?

Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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