Xa silungiselela ukubaleka kukho izinto ezininzi esinazo engqondweni: ezothutho, imithwalo, ihotele, uhambo ... Njengakwezinye iinkalo zobomi, xa useluhambeni, ukulumkiswa kwangaphambili kuyafana nokuzola. Ukujongana namatyala angalindelwanga kunokuba yintloko ukuba sinelishwa elaneleyo lokufumana ubunzima okanye isidingo sonyango ngelixa sikwiholide.
Ukuba nohlobo oluthile lweinshurensi yokuhamba kuyacetyiswa ngakumbi ukuba sihamba ngaphandle kweYurophu Kodwa kuba siyazi ukuba ngamanye amaxesha kunokuba nzima ukukhetha phakathi komgaqo-nkqubo kunye nomnye, apha ngezantsi siza kukuxelela izitshixo zokuqesha oyifunayo.
I-inshurensi yokuhamba ehamba nawe kulwimi lwakho
Ingabonwa njengengxaki encinci kodwa ibaluleke ngakumbi kunokuba ibonakala. Nokuba yeyiphi na inshorensi, Inyani yokubiza nokuzinyamekelwa ngolwimi lwakho xa uzifumana kumzuzu onzima ikunika uxolo lwengqondo kunye nesiqinisekiso sokuba uyakuphathwa kweyona ndawo iboniswe ngeyona ndlela ichanekileyo.
Enye into ekufuneka uyithathele ingqalelo kukuba nakho ukunxibelelana nenkonzo yomnxeba simahla. Kukho i-inshurensi yokuhamba enikezela ngamathuba okutsala umnxeba ngokubuyisa umrhumo kumazwe akuvumelayo okanye ngokucela ukubuyiselwa imali yomnxeba kwabo bangakuniki olo khetho.
I-inshurensi yokuhamba apho ungafuneki ukuqhubela phambili imali
Into yokugqibela esiyifunayo xa sithatha i-inshurensi yokuhamba kukuba mzuzu obalulekileyo wenza izinto zibe nzima kuthi ngamaphepha kunye nokuqhubela phambili kwemali epokothweni. Ngokukodwa ukuba siqesha i-inshurensi ephezulu yokuhamba ngaphandle kokukhathazeka.
Ukwenza ikhontrakthi yeinshurensi yokuhamba, kuyacetyiswa ukuba ukhethe i-inshurensi yokuhamba ngaphandle kwemfuneko ethatha inkathalo yeendleko zonyango ezifumaneka kutyelelo, amayeza kunye nezothutho. Nangona kunjalo, kuya kufuneka uyazi ukuba ngenxa yongxamiseko uye kwiziko lonyango ngaphambi kokunxibelelana ne-inshurensi, kusenokwenzeka ukuba kuya kufuneka uqhubele phambili ngemali eza kuthi ibuyiswe xa ubuya kuhambo.
I-inshurensi yokuhamba yosapho lonke
Ukuhamba ngumsebenzi kuyo yonke iminyaka, ke i-inshurensi yokuhamba kufuneka ikhawuleze iimfuno zabo bonke abaphulaphuli. Nangona kunjalo, abakho bambalwa i-inshurensi ababeka amagatya kushicilelo oluncinci ezithi ngenxa yezizathu zobudala zithintele abantu abathile ekubeni baxhamle.
Ixabiso eliphantsi le-inshurensi yokuhamba
Xa kuziwa kwi-inshurensi yokuhamba, akusoloko kufuneka ujonge eyona inexabiso eliphantsi, kodwa yeyona ifezekisa iimfuno zakho. Ukuthintela ukubhukisha ngokubhala okuninzi kakhulu, inkqubo yokukhangela kufuneka yenziwe ngononophelo olufanayo nenqwelomoya okanye ihotele. Ukuba sikhetha ukhetho lokuqala esilufumanayo, mhlawumbi siya kuthenga i-inshurensi enexabiso eliphantsi kakhulu elingenakho ukugubungela okuninzi njengokubiza imali eninzi. Ngamafutshane, xa uqesha i-inshurensi, eyona nto ibalulekileyo kukufunda ukugubungela umntu ngamnye kunye nexabiso. Kungcono ukuthintela kunokunyanga.
I-inshurensi yokuhamba enokurhoxiswa
Abantu abaninzi abayihoyi le nto inokwenzeka, kodwa kukho i-inshurensi yokuhamba enesigatshana sokurhoxisa, esivumela ukubuyiselwa kweendleko zohambo ezingenzekiyo kwaye ababoneleli abanjengeehotele okanye iinqwelomoya abazigubungeli ngqo. Ukuba ne-inshurensi yokuhamba nokucima kuqinisekisa ukubuya kweendleko ezininzi ekungenwe kuzo kwimeko yokungakwazi ukonwabela iiholide kwinani elikhulu leemeko ezahlukeneyo.
I-inshurensi yokuhamba ehlengahlengisiweyo
Ayizizo zonke iihambo ezifanayo, kutheni i-inshurensi kufanelekile Ukuqesha i-inshurensi yokuhamba elungileyo kubalulekile, njengoko kusenziwa kuhlobo lohambo oza kulwenza. Qiniseka ukuba ukhetha eyona ilungileyo kwaye ungacingi ukuba wonke umntu ugubungela efanayo.
I-inshurensi yokuhamba ngaphandle kokuphindwa kabini
Phambi kokuba ufumane i-inshurensi yokuhamba, kuyacetyiswa ukuba ujonge ukhuseleko olunokuthi lubandakanye eminye imigaqo-nkqubo yethu, enjengempilo okanye iingozi, kuba ngamanye amaxesha ezi inshurensi zikwanikezela ngogcino phesheya. Nangona kunjalo, kufanelekile ukujonga ukusikelwa umda ukusukela, umzekelo, kwimeko yemigaqo-nkqubo yezempilo ngoncedo olungaphandle kwemida yaseSpain, umda ophakamileyo wezoqoqosho umalunga ne-12.000 euro kwaye xa uhambo lungekho ngaphezulu kweenyanga ezintathu.