Ngakho-ke, usuku lohambo lwakho olude olulindelwe phesheya lusondela. Ubhukhe amathikithi akho endiza, wabhukha ihhotela elihle, futhi mhlawumbe wabhukha nemoto ozoyisebenzisa lapho. Konke lokhu manje kungenziwa kalula kakhulu kwi-inthanethi, akunjalo? Kodwa phakathi kwakho konke lokhu, kukhona into esivame ukuyikhohlwa, kodwa ibaluleke kakhulu. Lowo umshwalense wokuhamba , okungukuthi, ukuthola umshwalense wokuhamba. Abantu abaningi bakwenza lokhu ezinsukwini ezimbalwa ngaphambi kokuhamba kwabo, noma ngezinye izikhathi bayakukhohlwa ngokuphelele. Kodwa manje ungakwenza lokhu ngokushesha okukhulu ku-inthanethi.
Kalula nje, uyini umshwalense wokuhamba?
Cabanga nje uma ugula ngokuzumayo, waba nengozi, noma ulahlekelwe yimithwalo yakho ngesikhathi uphesheya? Izindleko kanye nomzamo wokugijima bekungeke kucatshangwe. Lokhu kuyisivikelo esizokusiza ngokwezimali uma kwenzeka inhlekelele enjalo engacabangeki. Kalula nje, lokhu kuyisivikelo sohambo lwakho.
Kunezinhlobo eziningana eziyinhloko zokumbozwa okuvame ukunikezwa umshwalense wokuhamba.
| Uhlobo Lokumbozwa | Incazelo elula |
|---|---|
| Ukumbozwa Kwezokwelapha | Uma uhlaselwa ukugula noma ingozi ngokuzumayo ngenkathi uphesheya, lokhu kuhlanganisa izindleko ezifana nezindleko zesibhedlela kanye nezindleko zezokwelapha. |
| Ukususwa Kwezokwelapha | Lokhu kuzokhokhela izindleko eziphezulu zokukubuyisela eSri Lanka uma unesifo noma ingozi enkulu. |
| Ukukhanselwa Kohambo | Uma ungakwazi ukuhamba ngenxa yesizathu esibucayi, njengokugula okungazelelwe noma ukufa kwelungu lomndeni, sizokusiza ukuthi uthole imali oyikhokhele amathikithi namahhotela. |
| Imithwalo kanye nempahla yomuntu siqu | Uma isikhwama sakho silahlekile, sibambezelekile, noma sebiwe, uzonikezwa imali ethile ngokulahlekelwa. |
Yiziphi izinzuzo zokuthenga umshwalense ku-inthanethi?
Asikho isidingo sokuya ehhovisi njengakuqala. Manje, ungahlola imininingwane oyidingayo kumawebhusayithi ezinkampani eziningi zomshuwalense, ukhethe uhlelo olufanelana kahle nohambo lwakho, bese ukhokhela umshwalense ku-inthanethi. Inzuzo enkulu yalokhu ukulula kanye nesivinini .
Ezimweni eziningi, lo mshwalense usebenza kusukela ngo-12:01 ekuseni ngosuku okhokha ngalo, noma ngosuku olulandelayo. Ngakho-ke, noma ngabe ukhumbula ngomzuzu wokugcina, ungakwenza lokhu ngokushesha.
Kodwa khumbula ukuthi ezinye izinkampani zizokuthumela ikhophi eprintiwe yombhalo wokuqinisekisa nge-imeyili ngemuva kokugcwalisa imininingwane ku-inthanethi, ngakho-ke yonke inqubo ingase ingabi yi-100% engenamaphepha.
Izinto okufanele uzicabangele ngaphambi kokuthenga umshwalense online
Kungakhathaliseki ukuthi inqubo eku-inthanethi ilula kangakanani, udinga ukuqaphela kakhulu ngaphambi kokuthi uchofoze inkinobho ethi "Thenga". Ngaphandle kwalokho, ungagcina ukhokhe imali futhi ubhajwe ngaphandle kosizo uma kukhona okungahambi kahle.
1. Hlola ukuthi inkampani isemthethweni yini
Lokhu kuyinto ebaluleke kakhulu . Qiniseka ukuthi inkampani ocabanga ukuthenga kuyo umshwalense iyinkampani ehloniphekile ebhaliswe ne-Insurance Regulatory Commission yaseSri Lanka (IRCSL), okuyinhlangano elawula imboni yomshwalense ezweni lethu.
Ukuthola umshwalense enkampanini ebhalisiwe ngokusemthethweni kusho ukuthi inkampani isebenza ngokuhambisana nemithetho nemigomo yezwe lethu. Ngakho-ke, uma unenkinga, izinkinga ozobhekana nazo ekutholeni isinxephezelo somshwalense (isimangalo) zizoncipha kakhulu.
Ungathola imininingwane ngalokhu kuwebhusayithi yenkampani noma kuwebhusayithi yeKhomishini Yokulawula Umshwalense yezwe lethu.
2. Funda izimo zamaphoyisa ngokucophelela.
Sivame ukuthi nje "Ngiyavuma" ngaphandle kokufunda imigomo nemibandela. Kodwa ungakwenzi lokho kulesi simo. Naka ngokukhethekile lezi zinto:
- Ukumbozwa: Yimiphi imimbozwa oyitholayo? Yiliphi inani eliphezulu ozolithola?
- Okungafakiwe: Lokhu kubaluleke kakhulu. Amanye amapholisi omshwalense awambozi izimo ezikhona kakade . Isibonelo, uma unesifo sikashukela esikhona kakade, kungenzeka singakhokhi izinkinga ezihlobene naso ngenkathi ungaphandle kwezwe. Futhi, ezinye izingozi, njengemidlalo yokuzijabulisa, kungenzeka zingambozwa.
- Odokotela Nezibhedlela: Ezinye izinkampani zomshuwalense zithi kufanele ufune ukwelashwa kodokotela noma ezibhedlela ezisohlwini lwazo kuphela. Qaphela nalokho futhi.
3. Ingabe uthola inani elifanele imali yakho?
Ungathengi umshwalense ngokuzumayo, ucabanga ukuthi "kuncane kakhulu." Ungase ukhokhe intengo ephansi kakhulu ngomshwalense olinganiselwe kakhulu. Qhathanisa izinhlelo ezivela ezinkampanini ezahlukene. Cabanga ukuthi umshwalense wezokwelapha nezinye izinzuzo ozitholayo ngemali oyikhokhelayo zanele yini bese wenza isinqumo.
Kunokuba uzisole uma kukhona okungahambi kahle bese uthi, "O, angikaze ngikubheke lokhu ngaphambili," kungcono ukuzinika isikhathi esincane sokucwaninga ngalezi zinto, akunjalo? Lokhu kulungiselela okuncane kuzosiza kakhulu ekwenzeni uhambo lwakho lube mnandi futhi lungakhathazeki.
Umlayezo Wokuya Nawe Ekhaya
- Ngaphambi kokuthenga umshwalense wokuhamba ku-inthanethi, qiniseka ukuthi uqinisekisa ukuthi inkampani ibhalisiwe ngokusemthethweni futhi iqashelwa eSri Lanka .
- Funda imigomo nemibandela yenqubomgomo yakho yomshuwalense ngokucophelela, ikakhulukazi isigaba esithi 'Okungafakiwe' . Bona ukuthi sithini nganoma yiziphi izimo zezokwelapha ezikhona kakade ongase ube nazo.
- Qhathanisa izinqubomgomo zomshuwalense ezivela ezinkampanini ezahlukene bese ukhetha leyo enikeza ukumbozwa okungcono kakhulu kwemali yakho.
- Ngemva kokuthenga umshwalense, gcina ikhophi yedijithali kanye nekhophi ephrintiwe yamadokhumenti esikhwameni sakho kanye ne-imeyili. Kuzoba usizo kakhulu uma kwenzeka isimo esiphuthumayo.
- Uma ungacaci ngokuthile, ungalokothi unqikaze ukuxhumana nesevisi yamakhasimende yenkampani yomshuwalense efanele bese ucela imininingwane.
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