I-inshurensi yemoto yemoto Ababoneleli baseSingapore ababonelelayo banokuhluka kwiindleko. Inkcitho yakho inokuchatshazelwa kukuba zingaphi iingozi ezidlulileyo okanye ulwaphulo-mthetho lokuqhuba olukwirekhodi yakho. Kwabo banerekhodi yokuqhuba ecocekileyo, i-inshurensi yemoto i-avareji yeendleko inokususela malunga ne-S $ 700 ukuya ngaphezulu kwe-S $ 3,000.
Izandi ziyabiza? Ukuzama ukuqhuba ngaphandle kwe-inshurensi yemoto eSingapore kuyingozi kakhulu kwaye kunokukubiza amawaka eedola, ilayisenisi yakho yokuqhuba, kwaye ngamanye amaxesha kwanexesha lokuvalelwa entolongweni.
Ngezantsi zizinto ezimbalwa omele uzigcine engqondweni ukuba ucinga ukuba kuya kwenzeka ntoni xa uqhuba ngaphandle kwepolisi ye-inshurensi yemoto esebenzayo eSingapore.
Izohlwayo ezisemthethweni
Kucacisiwe kuMthetho weZithuthi zeMoto waseSingapore (Imingcipheko yeQela leSithathu kunye neMbuyekezo) ukuba umntu obanjwe eqhuba isithuthi eSingapore ngaphandle kwe-inshorensi yokhuseleko uya kuba netyala kwaye, ekugwetyweni kwakhe, uya kuhlawuliswa ukuya kuthi ga kwi-S$1,000, kunye nokuvalelwa entolongweni. ukuya kwiinyanga ezi-3, okanye zombini. Uyakuthintelwa ekubeni usebenzise ilayisenisi iinyanga ezili-12 emva kokuba ugwetyiwe ukuba uthe wabanjelwa eli tyala.
Ukungathobeli umthetho kunokukhokelela kwixabiso eliphezulu kunelo ubunokulihlawula ukuba ubunokuhlawula i-inshurensi yemoto yemoto eSingapore igunya. Ziliqela ezinxaxhileyo kulo mthetho. Awuyi kufunyanwa unetyala:
- Imoto oyiqhubayo asiyoyakho okanye iphantsi kwesivumelwano sokuyiqesha okanye imboleko
- Usebenzisa imoto emsebenzini
- Ngenene awuyazi ukuba ipolisi ye-inshorensi esebenzayo ayizange isebenze
Kwenzeka ntoni xa ufumene ingozi?
Ngaphandle kweempembelelo zomthetho onokujamelana nazo ngokuqhuba ngaphandle kwe-inshurensi yemoto, kwaye ukwandisa umngcipheko kuwe nakwimali yakho. Ukungena kwingozi yemoto ngelixa uqhuba u-uninsured kukhokelela kwiindleko eziphezulu zobuqu zokulungisa okanye zokutshintsha imoto yakho, izinto zobuqu ezonakalisiweyo kunye neendleko zonyango. Ukwajongene nesimangalo esisuka kwelinye icala kwaye kufuneka uhlawule nawuphi na umonakalo, ilahleko, kunye neendleko zonyango. Oku kunokukuxabisa amawaka eedola ebeza kuba ne-inshurensi.
Iziphumo ze-fronting
Abanye abantu bathathwa ngokuba "ngabaqhubi abanomngcipheko omkhulu" kwaye bayacelwa ukuba bahlawule ngakumbi kwi-inshurensi yemoto. Uninzi lwabo bantywila kuqheliselo olwaziwa ngokuba “yi-fronting,” apho bazama ukufumana ireyithi ephantsi kwi-inshurensi ngokusebenzisa iinkcukacha zendlela eyahlukileyo, iprofayile yokuqhuba engcono. Olu luhlobo lobuqhophololo. Ukuzama esi sicwangciso kunye nokufunyaniswa kungenza ukuba iipolisi zakho zingasebenzi ngokupheleleyo, ngakumbi kwingozi.
Ingakukhusela njani i-inshurensi yemoto?
Nokuba uqhuba ngononophelo kangakanani na, kuhlala kukho ithuba lokudibana nomqhubi ongakhathaliyo okanye ongakhathaliyo. I-inshurensi yemoto yemoto Ababoneleli abaphezulu baseSingapore baquka i-inshurensi yemoto ebanzi nethembekileyo. Uninzi lwaba baboneleli banikezela ngezaphulelo kunye neevawutsha, ke zijonge. Ungafaka isicelo ukuya kutsho kwiintsuku ezingama-90 phambi kokuphelelwa kwepolisi yakho yangoku. Izibonelelo ezongezelelekileyo zesicwangciso ziquka:
- Akukho saphulelo seBango (NCD) nge-10% xa unetyala
- Iinkonzo zasimahla zokuhlangula ecaleni kwendlela ukuba imoto yakho yonakele
- I-Gap Cover kunye nezibonelelo zoMkhuseli weMali-mboleko ezikhusela imali-mboleko yakho yemoto eseleyo xa ilahleko iyonke yemoto yakho kunye nokusweleka komnini-polisi, ngokulandelelanayo.
- Yongeza kwiinzuzo ukwenza iworkshop yokulungisa ekhethwayo
- Ukungahlawuli nesenti enye ukuba akukho siphoso kuyasebenza ukuba ubandakanyeka kwingozi yemoto yase-Singapore ebonwayo.
Enyanisweni, akukho mntu ufuna ukuhlawula i-inshurensi yemoto ukuba banokunceda, kodwa ukuphepha ukwaphula umthetho kuya kukubiza kakhulu kunokuba i-inshurensi yemoto yakho ibiya kwenza, zombini ngexesha kunye nemali etyalwe. Ukuba ufuna ixabiso le-inshurensi yemoto enikezelwa yiSingapore, unokujonga ezo zibonelelwa ngababoneleli abaphezulu. Yenza uphando oluninzi phambi kokuba uzibophelele - jonga irekhodi lomkhuseli, iinkcukacha zepolisi, kunye nophononongo lwabasebenzisi.
INTO ONOKUYITHATHA KWELI NQAKU:
- No Claim Discount (NCD) reduction by 10% when you are at faultFree roadside rescue services if your car breaks downGap Cover and Loan Protector benefits that cover your outstanding car loan in the event of a total loss of your car and the death of the policyholder, respectivelyAdd on benefits to conduct repairs preferred workshopNot paying a single cent if you’re not at fault applies if you are involved in an accident with an identifiable Singapore car.
- The car you’re driving does not belong to you or is under a contract of hiring or a loanYou’re using the car for workYou genuinely do not know that a valid insurance policy was not in effect.
- It’s stipulated in The Singapore Motor Vehicles (Third-Party Risks and Compensation) Act that someone caught driving a motor vehicle in Singapore without insurance coverage will be guilty of an offense and, upon conviction, will be fined up to S$1,000, plus imprisonment for up to 3 months, or both.
