Sebenzisa i-inshurensi yakho yamazinyo ngaphambi kokuphela konyaka

Ngaba uyazi ukuba unako ukusindisa amakhulu emadola ngokusebenzisa amazinyo akho wamazinyo ngaphambi kokuphela konyaka? Le nyaniso kukuba abantu abaninzi abazi nje. Nangona ezinye iinjongo ze-inshorensi zamazinyo zisebenza ngunyaka-mali, abanye baninzi bagijimela kwikhalenda yendabuko. Ukuba isicwangciso se-inshurensi yamazinyo sisebenza kwi-khalenda yendabuko, unokukwazi ukuzigcina ukhulu lweedola ngokubanzi. Ukuba isicwangciso sakho se-inshurensi yamazinyo sisebenza kwikhalenda yezimali, kunokuba kunomxholo wonyaka wekhalenda, ungafuna ukujonga ukutshintshwa kwezicwangciso ukuba ukonga okunjalo kunomdla kuwe.

Ukuba isicwangciso sakho se-inshurensi yamazinyo siphezu konyaka wekhalenda, ezi zizathu zihlanu ziza kukubonisa ukuba kutheni kufuneka wenze ukuqokwa kwamazinyo ngoku.

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Unyaka ophezulu

Unyaka ophezulu uninzi lwemali yokuba isicwangciso se- inshurensi yamazinyo siya kuhlawula umsebenzi wakho wamazinyo kunyaka opheleleyo. Le mali ihluka ngeenkampani zomshuwalense, kodwa umyinge uhlala ujikeleze i-$ 1,000 ngonyaka, ngomntu ngamnye. Unyaka ophezulu uvuselela njalo ngonyaka (ngoJanuwari 1 ukuba isicwangciso sakho siphepha ngonyaka wekhalenda). Ukuba ungasetyenziswanga izibonelelo, ezi zinto aziyi kulungiswa, ngoko kufuneka usebenzise zonke iinjongo ngelixa zisasebenza.

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Deductible

I- deductible yimalini yemali omele uyihlawule kumntu wamazinyo wakho ngaphandle kwesikhwama ngaphambi kokuba inkampani yakho ye-inshorensi ihlawule nayiphi na inkonzo. Le ntlawulo iyahlukahluka kwisicwangciso esinye kuya kuba ngaphezulu xa ukhetha unogqirha wamazinyo angaphandle. Nangona kunjalo, umyinge ochithwe kwi-inshorensi yamazinyo udla nge-$ 50 ngonyaka. I-deductible yakho iphinda iqale kwakhona xa isicwangciso sakho siphelile.

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Iintlawulo zeeNyanga

Ukuba uhlawula ama-premiums akho yomshuwalense kwinyanga zonke, kufuneka usebenzise izibonelelo zakho. Nangona akudingeki unyango lwamazinyo, kufuneka uhlale uhlambulukile kwamazinyo rhoqo ukuze uncede ukukhusela kwaye ufumene nayiphi na impawu yamathambo, isifo somdla , umhlaza womlomo kunye nezinye iingxaki zamazinyo.

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Imali iyanda

Esinye isizathu sokusebenzisa izibonelelo zakho ngaphambi kokuphela konyaka ngumvuzo onokwenzeka. Abanye abazinyo bamazinyo baphakamisa amanqanaba abo ekuqaleni konyaka ngenxa yokunyuka kweendleko zokuphila, izixhobo kunye nezixhobo. Ukunyuswa kwemali kungenza ikhoyayiti yakho iphakame. Ngaloo ndlela, ukuba ufuna ukufumana ugqirha ngenxa yezizathu, kufuneka uyenze ngelixa iirhafu ezikhoyo kunye ne-copay zihlala, njengoko ziyakwazi ukunyuka kunyaka olandelayo.

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Iingxaki zezinyo ziyakwazi ukuhamba

Ngokulibaziseka unyango lwamazinyo, ubeka ingozi ngakumbi kwaye unyango oluphantsi kweendlela. Yintoni enokuba yindawo elula ngoku, ingajika ibe yintambo yengcambu kamva. Ngokuqhelekileyo, xa imiba yamazinyo inganyanzelwanga kwaye ishiywe ukuhlakulela, iphela ibe yimbi ngakumbi kunokuba yintoni umcimbi wokuqala. Shayela unogqirha wamazinyo kwaye uhlele i-aphoyintimenti yokusebenzisa ezo zibonelelo.