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Mtengo Wolowa Ngozi Popanda Inshuwaransi Yagalimoto ku Singapore

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Written by mkonzi

Inshuwaransi yamagalimoto yamagalimoto Omwe amapereka ku Singapore amatha kusiyanasiyana pamtengo. Zowononga zanu zitha kukhudzidwa ndi kuchuluka kwa ngozi zaposachedwa kapena zolakwa zapagalimoto zomwe zili pa mbiri yanu. Kwa iwo omwe ali ndi mbiri yoyendetsa bwino, inshuwaransi yagalimoto mtengo wapakati ukhoza kuyambira pafupifupi S$700 mpaka kupitilira S$3,000.

Zikumveka zodula? Kuyesa kuyendetsa popanda inshuwaransi yagalimoto ku Singapore ndikowopsa ndipo kumatha kukuwonongerani masauzande a madola, chilolezo chanu choyendetsa galimoto, komanso nthawi zina kundende.

M'munsimu muli zinthu zingapo zomwe muyenera kukumbukira ngati mukuganizira zomwe zingachitike ngati mutayendetsa galimoto popanda inshuwalansi ya galimoto ku Singapore.

Zilango zamalamulo

Zanenedwa mu Singapore Motor Vehicles (Zowopsa ndi Malipiro a Gulu Lachitatu) kuti munthu wogwidwa akuyendetsa galimoto ku Singapore popanda inshuwaransi adzakhala wolakwa ndipo, akaweruzidwa, adzapatsidwa chindapusa cha S$1,000, kuphatikiza kundende mpaka miyezi 3, kapena zonse ziwiri. Mudzaletsedwanso kugwiritsa ntchito laisensi kwa miyezi 12 mutaweruzidwa ngati mwapezeka wolakwa.

Kusamvera lamulo kungakubweretsereni mtengo wokwera kuposa womwe mukanalipira mukanakhala nawo motor car insurance Singapore udindo. Zina zingapo zili mu lamuloli. Simudzapezeka olakwa pa:

WTM London 2022 zidzachitika kuyambira 7-9 Novembala 2022. Lowetsani tsopano!

  • Galimoto yomwe mukuyendetsa si yanu kapena muli ndi mgwirizano wobwereka kapena ngongole
  • Mukugwiritsa ntchito galimotoyo
  • Simukudziwa kwenikweni kuti inshuwaransi yovomerezeka sinagwire ntchito

Chimachitika ndi chiyani ngati mutachita ngozi?

Kupatula zovuta zamalamulo zomwe mungakumane nazo poyendetsa popanda inshuwaransi yagalimoto, komanso mukukulitsa chiwopsezo chanu komanso ndalama zanu. Kulowa m'ngozi yagalimoto mukuyendetsa popanda inshuwaransi kumabweretsa ndalama zambiri zokonzetsera kapena kusintha galimoto yanu, zinthu zomwe zawonongeka, komanso ndalama zachipatala. Mukuyang'anizananso ndi mlandu wochokera ku chipani china ndipo muyenera kulipira zowonongeka, zowonongeka, ndi ndalama zachipatala. Izi zitha kukuwonongerani masauzande a madola omwe mukadakhala ndi inshuwaransi.

Zotsatira za fronting

Anthu ena amaonedwa kuti ndi "madalaivala omwe ali pachiwopsezo chachikulu" ndipo amafunsidwa kuti alipire ndalama zambiri za inshuwaransi yagalimoto. Ambiri mwa iwo amalowera m'chizoloŵezi chotchedwa "fronting," kumene amayesa kupeza mtengo wotsika mtengo pa inshuwalansi pogwiritsa ntchito tsatanetsatane wa mbiri yosiyana, yoyendetsa bwino. Uwu ndi mtundu wina wachinyengo. Kuyesa njira iyi ndikudziwitsidwa kungathe kusokoneza ndondomeko zanu, makamaka pangozi.

Kodi inshuwalansi ya galimoto ingakutetezeni bwanji?

Ngakhale mumayendetsa mosamala bwanji, nthawi zonse pamakhala mwayi wokumana ndi dalaivala wosasamala kapena wosasamala. Inshuwaransi yamagalimoto Othandizira kwambiri ku Singapore akuphatikiza inshuwaransi yamagalimoto yokwanira komanso yodalirika. Ambiri mwa opereka awa amapereka kuchotsera ndi ma voucha, choncho yang'anani. Mutha kulembetsa mpaka masiku 90 ndondomeko yanu yapano isanathe. Ubwino wina wa pulani ndi monga:

  • Palibe Kuchotsera Kulipira (NCD) ndi 10% pamene muli ndi vuto
  • Ntchito zopulumutsira zaulere zamsewu ngati galimoto yanu yawonongeka
  • Mapindu a Gap Cover ndi Loan Protector omwe amalipira ngongole yanu yamagalimoto ngati galimoto yanu itatayika komanso kufa kwa yemwe ali ndi mapholisi, motsatana.
  • Onjezani maubwino kuti mukonzenso msonkhano womwe mumakonda
  • Kusalipira senti imodzi ngati mulibe cholakwa kumagwira ntchito ngati mutachita ngozi ndi galimoto yodziwika bwino yaku Singapore.

Zowonadi, palibe amene akufuna kulipira inshuwaransi yagalimoto ngati atha kukuthandizani, koma kupewa kuswa malamulo kumakuwonongerani ndalama zambiri kuposa momwe inshuwaransi yagalimoto yanu ingachitire, nthawi yonseyi komanso ndalama zomwe mwayika. Ngati mukufuna mtengo wa inshuwaransi yamagalimoto aku Singapore, mutha kuyang'ana omwe amaperekedwa ndi omwe amapereka ntchito zapamwamba. Chitani kafukufuku wokwanira musanachite - onani mbiri ya inshuwaransi, zambiri zamalamulo, ndi ndemanga za ogwiritsa ntchito.

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mkonzi

Mkonzi wamkulu wa eTurboNew ndi Linda Hohnholz. Amakhala ku eTN HQ ku Honolulu, Hawaii.

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