Ndizvo zvinodiwa here?
Kutsigirwa Auto Protection kana gap inshuwarisi yakatanga kupiwa kuvaridzi vemotokari mukutanga kwema1980 senzira yekugadzirisa kuderera kwekurumidza kwezvitoro zvakatengwa. Nekubhadhara kwekutya motokari kunokwira uye mari yepurogiramu iyo dzimwe nguva inoparadzira chikwereti kunze kwemashoko chero nguva yemwedzi 72, vatenzi vemotokari vanowanzozviwana vaine mari kune imwe motokari yaive yakakosha. Mukana wekurasikirwa zvachose , kambani yeinishuwarenzi inobhadhara mari chaiyo yebhadharo yemotokari.
Inishuwarenzi yeGap inokonzera musiyano pakati pemari chaiyo yemari yemotokari, uye mari inenge ichiripo kune kambani yemari.
Chii chakafukidzwa?
Inishuwarenzi yeGap ichavhara kurasikirwa zvachose kumotokari mumamiriro ezvinhu emoto, kuba, kuparadza, mafashamo, njodzi, mhirizhonga, kana dutu. Chero kurasikirwa chero kupi zvayo kwaizove kwakafukidzirwa nehuwandu hwepurashuwarisi inobhururuka yakavharwawo nejapu inshuwarisi. Mamwe mapurisa emapurisa anovhara inshuwarisi inobviswa . Kana mutemo wepakati unobvisa deductible, mari yakabhadharwa haibhadharwi kumudzidzi wemotokari. Pane kudaro, chikamu chemari inoshandiswa inshuwarisi inoshandiswa kune chikwereti cheshuwarisi chekubhadhara chikwereti chisina kubhadharwa. Vadzidzisi vemotokari vanofanira kuongorora tsanangudzo yavo yega yega kuti vaone kuti vanoziva chaizvo izvo zvinofukidzwa kana kurasikirwa kwese kuchiitika.
Chii chisina kuwanikwa?
Nguva dzose verenga nheyo yacho zvakanyatsonaka kuti uwane izvo zvisingabatanidzwi. Kana iyo motokari isina kunyatsogadziriswa nezvose zvakanyatsogadzikana uye kusagadzikana , hapana humwe huwandu hwekugovera hupi hupi hupi hunoiswa nehutachivhu huripo.
Yakawedzerwa zvikwereti, kubhadhara chikwereti chakawedzerwa, uye zvigadzirwa zvakawedzerwa kumotokari yakanga isiri yefekitari yakaiswawo zvakare. Kana muridzi wemotokari achiri kukwereta pamotokari uye akatenga chimwe chitsva, achikwira pamusoro peyero, inshuwarisi yegap haichafukidzi kubhadhara mari iyi.
Ndiani Anokodzera Kutenga Gap Insurance?
Vashandi vemotokari vanotenga motokari yavo kuburikidza nekubhadhara mari yakawanda kana mari inopiwa kuburikidza nekutengesa vanogona kukwanisa kupararira.
Zvisinei, kana motokari inotengwa kuburikidza nemutsara wechikwereti seyaimba yemari yekuenzanisa chikwereti , motokari haikwanisi kugoverwa.
Ndiani Anoda Gap Inishuwarenzi?
Vanhu vanotenga motokari dzavo nechinguva chiduku kana kwete chekubhadhara avo vane reisheni uye mitero yemitero yakawedzerwa kumutengo wemari yavo inogona kupedzisira yava kukwereta pane imwe motokari kupfuura yakakodzera. Chero nguva iyo mari yekubhadhara yemotokari inodarika kukosha kwemotokari, zvinokurudzirwa kutenga inshuwarisi yegap.
Ndekupi Kwokutenga Gap Insurance
Inishuwarenzi yeGap inowanzopiwa nekambani yeinishuwarenzi sechisarudzo chinowanika apo inotenga kugadzirisa kuparadzaniswa. Inogona kutengwa sechimiro chekumira-chega nekutengesa motokari kana nekambani yemari yemari. Zvisinei, kugoverwa hakusi kubudirira kunze kwekunge muviri wekuparara kwekuparara uye mamiriro ekudzivirira ematongerwe enyika aripo zvakare akatengwa. Mutengo wekutenga uku kugoverwa kwaunowanzo kazhinji kunenge mazana mashanu kubva muzana yehuwandu hwekambani yehuwandu hwehuwandu nehupopotedzana huri pamwe chete.
Zvikonzero zvekusatenga Gap Insurance
Haasi munhu wose ane chido chekutenga inshuwarisi yejengo. Vashandi vemotokari vane motokari uko kukosha kudarika chikamu chekubhadhara hachina chikonzero chekutenga ichi chinyorwa chokuwedzera.
Kana muridzi wacho akachengeteka mumamiriro ake emari uye kukwanisa kwake kuramba achiita motokari kuti abhadhara chikwereti chiripo chiripo, kuvharirwa kwepakati kungava mari isingakoshi. Vashandi vemotokari, vanobhadhara motokari dzavo kuti zvikwereti zvenguva pfupi zvakadai semwedzi mitanhatu kana gore rimwe chete, uye havadi kugoverwa. Kana bhizinesi yacho iine mukana wekuvhara, chibvumirano apo kambani yemari inobvumirana kuisa mutsauko pakati pechokwadi chaicho chekubhadhara uye chakakodzerwa pamotokari kana chiitiko chekurasikirwa zvachose, hapana chikonzero chekutenga inshuwarisi yepasipi.
Gap Refunds
Mushure mokunge motokari inobhadharwa, chero ipi zvayo isina kuwanikwa inodzorerwa kune inshuwarisi. Semuenzaniso, kana motokari inobhadharwa kwemwedzi 48 asi inobhadharwa mumwedzi makumi maviri nemana, makore maviri ekubhadharwa kwepayimusi inofanira kudzorerwa kune inshuwarisi sezvo kuvharwa kwepakati kunowanzobhadharwa kare.
Mukuwedzera, muridzi wemotokari anotengesa kana kugadzirisa motokari ane chikwereti chekubhadhara. Kana kugadziridza motokari, muridzi wacho anofanira kuve nechokwadi chekukumbira kuvharwa kwepakati kunowedzerwa kuti ave nechokwadi chokuti akafukidzirwa pamusana wekurasikirwa kwemotokari yose.
Mukuru wako wehushuwarisi angakwanisa kukubatsira kusarudza kana iwe uchida kutenga bhuwarisi yemajeri. Icho chisarudzo chekuzvipira chinotarisirwa kumotokari itsva. Nokuwedzera kuvhara kwekugadzirisa kuputika kwako, iwe hausi kuzova nemhosva yekukweretesa kwechikwereti chinofanira kudai kana motokari yako inobatanidzwa mukukanganisa kwenhanho. Pakupedzisira, iwe uchafanirwa kuita sarudzo kana iwe uchifunga kuti mari ye inshuwarisi yakakosha kwauri.