Ndi kulipira monga mumalipira inshuwalansi yotsika mtengo

Kodi mungalipire mukamayendetsa inshuwaransi yagalimoto, ndikukupulumutsirani ndalama?

Izi sizingadabwe, koma ku Australia kuli magalimoto ochuluka monga momwe anthu amakhalira, ndi Australian Bureau of Statistics inanena kuti panali magalimoto opitilira 20 miliyoni omwe adalembetsedwa mdziko lonselo mu Januware 2021.

Inde, momwe mankhwalawa amagwiritsidwira ntchito ndi osiyana kwambiri.

Anthu ambiri aku Australia amadalira magalimoto awo kupita ndi kuchokera kuntchito tsiku lililonse, kapena kugwira ntchito yawo. Kumbali inayi, anthu ambiri samayendetsa konse magalimoto awo, ndipo modabwitsa amasiya magalimoto awo atayimitsidwa m’galaja limodzi ndi ulendo waufupi wopita kumashopu kapena ulendo wopita kumapeto kwa sabata.

Kwa eni magalimoto omwe amayendetsa magalimoto awo pafupipafupi, pakhala kusinthasintha pang’ono pankhani ya inshuwaransi yagalimoto yomwe ikupezeka kwa iwo.

Koma izi zikuyamba kusintha, ndi njira zogwiritsira ntchito kapena “malipiro pamene mukuyendetsa” zomwe zimayamba kuonekera zomwe zimapereka chivundikiro chotsika mtengo kwa madalaivala omwe sali pafupipafupi kuposa ndondomeko zophatikizira nthawi zonse.

Kwa dalaivala wa ku Sydney, Gisele Nguyen, yemwe amagwira ntchito kunyumba masiku ambiri ndipo nthawi zambiri amagwiritsa ntchito galimoto yake ponyamula ndi kukasiya kusukulu, chikhumbo chofuna kupeza inshuwaransi yabwino chinawonekera atazindikira kuchepa kwake komwe amagwiritsira ntchito galimoto yake. mliri.

“Ndikuganiza kuti chaka chatha chitayimitsidwa, pamene galimotoyo inkagwiritsidwa ntchito mochepa, zinandipangitsa kuzindikira kuti inshuwalansi yanga inali yopanda ntchito chifukwa galimoto yanga inali itangokhala,” akutero.

“Kenako ndalama zanga zidakwera pang’ono zomwe zidandidetsa nkhawa, chifukwa ndimadziwa kuti ndilipira zomwe ndidali ndi mwayi wogwiritsa ntchito kuposa kale, kotero ndidafuna kupeza china chotsika mtengo kwambiri.”

Nguyen adasamukira kuti alipire pomwe mukuyendetsa inshuwaransi ndi inshuwaransi yosiyana, yomwe, akuti, ili ndi njira yochepetsera kwambiri ndalama zake zolipirira chaka chino.

“Ndinasinthira ku KOBA mu February. Chifukwa cha momwe zimagwirira ntchito, pali malipiro apamwamba, ndiyeno mwezi uliwonse pali mtengo wa kilomita. Kotero kutengera izo ndi kulingalira kwa chaka, ndikuganiza kuti zidzandipulumutsa pafupifupi $ 700 – koma ndimomwe mawu anga akale ali opusa.”

Kodi mumalipira bwanji mukuyendetsa bizinesi ya inshuwaransi?

Monga momwe dzinalo likusonyezera, lipirani mukamayendetsa inshuwaransi yamagalimoto okhala ndi mtunda m’malingaliro ngati imodzi mwamiyendo yofunika kwambiri yamitengo. Izi zikutanthauza kuti eni magalimoto omwe amayendetsa magalimoto ochepa amalipira ndalama zochepa, poganiza kuti sangachite ngozi ndikupereka chiwongola dzanja.

Makampani angapo a inshuwaransi tsopano akupereka zosankha kwa madalaivala omwe akufuna kukhala pansi pa mtunda wocheperako, ndi tsamba loyerekeza lazachuma la Mozo pano likutsatira makampani asanu ndi limodzi a inshuwaransi omwe ali ndi mfundo zotere munkhokwe yake.

“Inshuwaransi yonse yamagalimoto imatha kukhala yokwera mtengo, kotero kutengera zomwe mwalemba, kulipira komwe mukupita kungakhale kotsika mtengo,” akutero Claire Frawley, katswiri wazachuma wa Mozo.

“Inshuwaransi yamagalimoto yomwe mumalipira mukamayendetsa ndiyabwino kwambiri kwa anthu omwe samayendetsa tsiku lililonse. Kaya mumayenda panjira yopita kuntchito kapena kukhala ndi magalimoto awiri kunyumba, iyi ndi njira yabwino kwambiri yolipirira mtunda womwe ungakhalepo. ‘ndikuyendetsa.”

Kawirikawiri, pali njira ziwiri zomwe ndondomeko zogwiritsira ntchito zimagwiritsidwa ntchito. Njira yodziwika kwambiri ndi yoti eni magalimoto asankhe zomwe akufuna (monga 9,000 km/chaka) ndikupititsa ku kampani ya inshuwaransi yowerengera mtengo wa odometer, womwe umagwiritsidwa ntchito kuwerengera mtengowo. Madalaivala ayenera kukhala pansi pa malire a mtunda ngati akufuna kupewa ndalama zowonjezera.

Njira yachiwiri imachotsa zongopeka pogwiritsa ntchito bokosi lakuda kapena foni yamakono kuti idyetse zidziwitso ku kampani ya inshuwaransi, ndi mtunda wautali womwe umagwiritsidwa ntchito kuwerengera mtengowo. KOBA ndi amodzi mwa omwe amapereka inshuwaransi yaku Australia yopereka inshuwaransi yolipirira-yomwe imawerengedwa ndi zenizeni zenizeni, ndipo kampani ya inshuwaransi Nguyen idasinthiratu koyambirira kwa chaka chino.

Pansi pa mtundu wa KOBA, ndalama zolipirira zimagawika m’magawo awiri: mtengo wokhazikika womwe umaphimba moto, kuba ndi kuwonongeka kwa gulu lachitatu pomwe galimotoyo idayimitsidwa, komanso mtengo wa kilomita womwe umalipiritsa pamwezi. Mkulu wa bungwe la KOBA Andrew Wong akunena kuti ngakhale sichingakhale choyenera kwa aliyense, chitsanzo cha KOBA chapangidwa kuti chipereke ndalama zotsika kwa madalaivala osagwiritsa ntchito kwambiri.

“Mmene masamu amagwirira ntchito ndi chitsanzo cholipira pa kilometre ndikuti ngati mukuyendetsa kilometre wamba, mutchule kuti makilomita 13,000 omwe ndi avereji ya dziko lonse, ndondomeko yathu imakhala yofanana ndi ya wina aliyense. zosunga ndi kudzera Pang’ono kuyendetsa.

“Ndi ife, muli ndi ulamuliro waukulu. Ndiye, ngati tipita kutsekera kwina, kapena ngati ndinu wogwira ntchito ku FIFO, kapena mutakhala ndi mwayi wopita kutchuthi kwa mwezi wathunthu, simudzalipira chilichonse chifukwa simukuyendetsa galimoto. . M’lingaliro limenelo, sindinu kuti Muli pachiwopsezo chogundana, kotero sitikulipiritsa.”

Kusinthana kwa data pagalimoto

Kutsika mtengo kungakhale kokongola kwa madalaivala omwe sachitika kawirikawiri, koma pali nkhawa zokhudzana ndi kulipira pamene mukuyendetsa ndondomeko zenizeni zoyendetsedwa ndi deta. Zina mwazo ndi mndandanda wa deta yomwe ikutsatiridwa, komanso ngati deta yolondola kwambiri idzapindulitsa madalaivala pakapita nthawi.

Pankhani ya KOBA, Wong akuti ngakhale kampaniyo imalandira deta yomwe imalola kuti ipange chithunzi cha momwe dalaivala alili otetezeka, chofunika kwambiri powerengera mtengo ndi mtunda umene munthu amayendetsa.

“Mwachiwonekere deta ndi mutu wovuta kwambiri, ndipo tikudziwa kuti tikupeza zinthu zosangalatsa kwambiri,” akutero. “Koma tikuganiza kuti deta ndi ya ogula.”

“M’tsogolomu, tidzakhala ndi deta yoyendetsa galimoto yomwe imatiuza za zizoloŵezi za anthu, momwe amayendetsa, chitetezo chawo ndi zina zotero. . Ndalama zathu zimawerengedwa potengera mtunda umene mukuyenda.”

“Tikukhulupirira kuti zinthu monga kuyendetsa galimoto zingagwiritsidwe ntchito ngati njira yogwiritsira ntchito ogula ndi kuwapangitsa kukhala otetezeka, m’malo moyesera kuwalimbikitsa.”

Ngakhale kuti KOBA sangakonzekere kusanthula kuchuluka kwake kwachitetezo pamalipiro, Andrew Barton, wotsogolera wa Oceania paukadaulo wa inshuwaransi ndi upangiri waukadaulo wazachuma ku Ernst & Young, akuti anthu ena akhoza kudabwa ngati pali kusuntha kwakukulu kogwiritsa ntchito deta. Monga mathamangitsidwe ndi braking kudziwa kuopsa kwa madalaivala payekha.

“Padzakhala opambana ndi otayika malinga ndi zomwe zimawoneka ngati zoopsa.” Pakalipano, ndi deta yochepa, mumapeza anthu ochulukirapo pa avareji, chifukwa zifukwa zitatu zowopsa zimangokhala komwe mukukhala, galimoto yomwe mumayendetsa komanso zaka zingati. inu ndi .

“Ndikhoza kuganiza kuti ndine woyendetsa bwino, koma mwina sindine wabwino monga momwe ndikuganizira, kapena mwina sindine woopsa kwa ena. Ndipo kwenikweni, malipiro anga akhoza kukwera, chifukwa ngati akupita. kukwera kutengera mwatsatanetsatane osati pafupifupi, palibe chomwe chitsimikizidwa kuti chidzatsika. “

Kodi inshuwaransi yanzeru yogwiritsa ntchito idzakhala yofala kwambiri?

Malipiro oyendetsedwa ndi data mukamayendetsa inshuwaransi atha kukhala ali akhanda ku Australia, koma pali zisonyezo zochokera kunja kuti zipitilira kukula. Monga Barton akunenera, makampani ena a inshuwaransi yamagalimoto ku US akuwapangitsa kuti azitha kupezeka mosavuta pochotsa mabokosi akuda m’malo mwa mafoni.

“Pali kafukufuku wochepa kwambiri yemwe amaneneratu kukula kwakukulu kwa inshuwaransi yogwiritsidwa ntchito pazaka 10-20 zikubwerazi, ndi kukula kwapakati pa 20% -30% pachaka. Izi ndizofunikira kwambiri.

“Ndikuganiza kuti chinthu chimodzi chomwe chikuthandizira kukula kumeneku ndikuti simukufunikanso kupita kukayika chipangizo chakuthupi m’galimoto.” Zopereka zonse zazikulu zochokera kwa opereka ku US ndizokhazikitsidwa ndi foni yam’manja, ingotsitsani pulogalamuyo ndikutsata chilichonse. ziyenera kuchitidwa.” tsatirani iye.

Komabe, m’tsogolomu, Barton akuti kukwera kwa magalimoto odziyimira pawokha kungasinthenso mawonekedwe a inshuwaransi yamagalimoto.

“Pamene mulibe munthu woyendetsa galimoto ndipo chitetezo cha galimoto chimayang’aniridwa ndi mapulogalamu omwe ali m’galimoto ndipo aliyense amene analemba mapulogalamuwa, amasintha malingaliro onse a inshuwalansi ya galimoto,” akutero.

“Ngakhale inshuwaransi yogwiritsidwa ntchito ikawirikiza kawiri m’zaka 10 kuchokera momwe ilili masiku ano, zochitika zonse zamagalimoto odziyimira pawokha zitha m’malo mwake.”

Pezani nkhani ngati izi m’makalata athu.

Leave a Comment

Your email address will not be published.