Inshuwaransi ya chipani chachitatu nthawi zambiri imakhala yotsika mtengo - koma kodi ndiyotsika mtengo?

Madalaivala anachenjeza kuti mtundu wina wa inshuwaransi yamagalimoto ukhoza kukhala wokwera mtengo 70% – zomwe muyenera kugula kuti mupulumutse £ 100

Madalaivala akuchenjezedwa kuti mtundu wina wa inshuwaransi yamagalimoto ukhoza kukhala wokwera mtengo kwambiri mpaka 70 peresenti – izi ndi zomwe muyenera kugula kuti musunge ndalama zokwana £100.

Inshuwaransi ya chipani chachitatu nthawi zambiri imakhala yopita kwa madalaivala achichepere komanso owopsa, komanso omwe safuna kulipira ndalama zambiri za inshuwaransi.

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Inshuwaransi ya chipani chachitatu nthawi zambiri imakhala yotsika mtengo – koma kodi ndiyotsika mtengo?ngongole: sayansi

Koma tsopano ndiyokwera mtengo kwambiri ndi 73 peresenti kuposa inshuwaransi yonse yamagalimoto oyendetsa – ndipo oyendetsa akulimbikitsidwa kuti ayang’ane mitengo yawo.

Madalaivala azaka 21 kapena kuchepera amatha kusunga pafupifupi 11 peresenti posankha inshuwaransi yonse m’malo mwa munthu wina.

Ndipo pamene madalaivala omwe ali ndi chikhulupiliro cha galimoto akhoza kulipira pang’ono pang’onopang’ono kuti apeze inshuwalansi yonse, amangopulumutsa mapaundi ochepa posankha winayo.

Malo oyerekeza a inshuwaransi yamagalimoto a Quotezone.co.uk, omwe adachita kafukufukuyu, akuti izi zikuwonetsa kuti madalaivala ambiri omwe ali ndi chikhulupiliro amatha kuyika anthu masauzande ambiri kuti asunge ndalama.

Malamulo a inshuwaransi yamagalimoto oyendetsa kupita kuntchito
Okwera njinga amayenera kukhala ndi ma plate plates ndi inshuwaransi pansi pa lamulo latsopanoli

Bungweli linanena kuti ndalama za inshuwaransi za chipani chachitatu zimalipidwanso chifukwa madalaivala owopsa amakonda kusankha.

Ngakhale mtengo wokonzanso wokwera, womwe ukuyembekezeka kufika pa 11 peresenti, deta ikuwonetsa kuti 8 peresenti ya madalaivala aku UK amasankhabe chivundikiro cha chipani chachitatu, pachaka, 2021/2022, zomwe siziphatikiza kukonzanso kuwonongeka kwa galimoto yawo.

Deta ikuwonetsanso kuti ndi madera ati omwe ali ndi madalaivala ambiri omwe amasankha inshuwaransi ya chipani chachitatu.

London (10 peresenti) ndi South East England (8 peresenti) ali pamwamba pamndandanda wa anthu achitatu okha komanso anthu ena omwe amawotcha moto ndi kuba, ngakhale amangowononga kuwonongeka kwa magalimoto ena.

Malinga ndi Auto Crime Report, pafupifupi anthu 900,000 adagwidwa akuyendetsa popanda inshuwaransi mu 2019, zomwe zikufanana ndi zolakwa 1.59 pa anthu 1,000.

Oposa 74 peresenti ya madalaivala opanda inshuwalansi ameneŵa anali ochepera zaka 40.

Kuyendetsa popanda inshuwaransi kungayambitse kuletsa kuyendetsa galimoto komanso chindapusa chopanda malire.

Greg Wilson, yemwe anayambitsa webusaiti ya inshuwalansi ya galimoto ya Quotezone.co.uk anati: “Pomwe mtengo wa moyo ukukwera, madalaivala ayenera kuyang’ana ndalama zomwe angathe.

“Monga zikumveka, inshuwalansi ya galimoto yachitatu nthawi zambiri imakhala yokwera mtengo kwambiri kwa madalaivala ambiri, ndipo imayikanso anthu pachiwopsezo cha kuwonongeka kwachuma, choncho nthawi zonse timalimbikitsa kutetezedwa kwathunthu, ngati kuli kotheka, makamaka ngati ilidi yotsika mtengo kwa ambiri. Ndipo mtengo wa zida ndi kukonza ukukwera.

“Madalaivala achichepere amawonedwa ngati owopsa kwambiri pamaso pa kampani ya inshuwaransi, popeza sanapezebe nthawi yosonkhanitsa deta yomwe inganene mosiyana, koma izi sizikutanthauza kuti madalaivala achichepere sangathe kugula ndikupeza ndalama zolipirira.”

Malangizo a Quotezone.co.uk osunga ndalama za inshuwaransi zotsika

· onjezerani chitetezoMagalimoto ambiri tsopano ali ndi zida zothana ndi kuba monga ma alarm ndi zotsekereza, koma madalaivala amatha kukhazikitsa tracker, dash cam, ndi ma wheel nuts motsika mtengo, kuchepetsa ngozi yakuba komanso kutsitsa mitengo yokwera.

· Chepetsani galimoto yanuKuchita inshuwaransi yagalimoto yaying’ono nthawi zambiri kumawononga ndalama zocheperapo kuposa kuyika inshuwaransi yagalimoto yayikulu yokhala ndi injini yamphamvu kwambiri, ndipo makampani ena a inshuwaransi amapereka kuchotsera ngati mutagula galimoto yosakanizidwa kapena yamagetsi.

· Chepetsani mtunda wanu: Makilomita nthawi zambiri amachepetsa ngozi – zomwe zimapangitsa inshuwaransi yotsika mtengo.

· Zimitsani zosintha: Zosintha komanso zomata / chizindikiro zitha kuonjezera ndalama za inshuwaransi powonjezera mtengo wagalimoto kapena kuchenjeza zakuba zomwe zingabadwe pazinthu zina zofunika monga zida zodula kapena zida zamkati.

· Sankhani nthawi yabwino yosinthira: Pafupifupi milungu itatu inshuwaransi isanakwane kukonzanso ndi nthawi yoyenera kukonzanso mitengo yokonzanso – nthawi zambiri imakhala yotsika mtengo panthawiyi.

· Ndipo yendetsani bwinobwino: Ngozi ndi zilango zimatha kubweretsa ndalama zambiri. Kusankha inshuwaransi yamabokosi akuda ndi njira yabwino yoperekera mphotho kwa madalaivala achichepere chifukwa choyendetsa bwino komanso moyenera, komanso kumapatsa kampani ya inshuwaransi chidziwitso chomwe angakhazikitse mawu awo – zomwe madalaivala achichepere nthawi zambiri amalangidwa.

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