Masoka atatu omwe amapezeka paulendo ndi choti achite nawo

izi ndi Nkhani – Zofunika Kusindikizidwanso ndi chilolezo chochokera NerdWallet.

Kuyenda pandege kwasokonekera masiku ano poganizira kuchedwetsedwa komanso kuimitsidwa kwa ndege mchilimwe chino. M’malo mwake, ofika pa nthawi yake sanachepe kuyambira 2014, malinga ndi kafukufuku wochokera ku Bureau of Transportation Statistics. M’miyezi isanu ndi umodzi yoyambirira ya 2022, maulendo opitilira 20% obwera kuchokera ku eyapoti yaku US adachedwa ndipo maulendo opitilira 3% adayimitsidwa. Kuperewera kwa ogwira ntchito komanso kufunikira kwakukulu kukuwonjezera kusokoneza kwa maulendo apandege.

Kwa apaulendo omwe akuyembekeza kuwuluka bwino, zovuta sizikuwoneka bwino. Koma inshuwaransi yoyenda imatha kupulumutsa maloto ambiri owopsa oyenda pandege.

Nazi zinthu zitatu zomwe zimafala pamakampani oyendetsa ndege, mitundu ya inshuwaransi yoyendetsa ndege yomwe muyenera kulipirira, komanso momwe mungapezere inshuwaransi ya pandege popanda mtengo wowonjezera.

1. Matumba anu awonongeka, atayika kapena osawonetsedwa pa nthawi yake

Malinga ndi wothandizira inshuwalansi yapaulendo World Nomads, zonena za kuchedwa kwa katundu zidakwera ndi 122% modabwitsa kuyambira Meyi mpaka Julayi 2022, poyerekeza ndi nthawi yomweyi mu 2019. Ngati katundu wanu watayika kapena mochedwa, zitha kukupangitsani kuti mugule zinthu zatsopano malonda okwera mtengo. Malo ogulitsira mphatso ku hotelo – osanenapo zachisoni chakutaya chuma chanu.

Mwamwayi, inshuwalansi ya katundu wotayika kapena kuchedwa kwa katundu ikhoza kulipira zinthu zomwe muyenera kugula kuti mugwiritse ntchito paulendo wanu.

Kutaya katundu: Ngakhale inshuwaransi ya katundu wotayika sikutsimikizira kuti katundu wanu woyambirira adzabwezedwa, ikhoza kukubwezerani ndalama zogulira zina mpaka ndalama zomwe munalipiritsa. Kupereka kumasiyanasiyana malinga ndi mfundo, koma yembekezerani kubweza kuchokera ku $ 1,000 mpaka $ 3,000 pa munthu aliyense.

Katundu kuchedwa: Ngati mutalekanitsidwa ndi matumba anu kwa maola ochulukirapo koma oyendetsa ndege amakubwezerani, mwinamwake muli ndi chithandizo. Nthawi zambiri, ngati zinthu zanu zachedwa kwa nthawi yayitali (nthawi zambiri maola asanu ndi limodzi kapena kuposerapo), mudzalipidwa mukagula zinthu zofunika monga zimbudzi ndi zovala. Kawirikawiri, kuphimba ndi kochepa ngati mutataya zinthu zanu kwathunthu; Kulipira ndalama zokwana $100 patsiku pa wokwera mpaka masiku asanu ndizofala kwambiri.

ZogwirizanaNthawi yogula inshuwaransi yapaulendo, komanso nthawi yodumpha

2. Kudwala kapena kuvulala kwa wachibale wanu

Mutha kupotoza bondo lanu pa tsiku loyamba la ulendo wa sabata wa ski ndipo mungakonde kupita kunyumba kuposa kukhala nokha mnyumba. Mwana wanu atha kuthyola mkono wake patsogolo pa Little League World Series ndipo mukufuna kusiya kukwera kwanu chifukwa sangathe kusewera. Ngati mukufunika kuletsa ulendo wa pandege musananyamuke kapena kusokoneza ulendo wa pandege, kuletsa ndege kapena kusokoneza inshuwalansi ya ndege kungathandize.

Kuyimitsa ndege: Inshuwaransi yoletsa ulendo imatha kuteteza zolipiriratu, zosungitsa zomwe sizingabwezedwe monga maulendo apandege kapena kusungitsa mahotelo ngati ulendo waletsedwa chifukwa cha zinthu zachilendo – nthawi zambiri matenda kapena kuvulala.

Kuyimitsa ndege: Kusokoneza paulendo ndi kofanana ndi (ndipo nthawi zambiri kudzazidwa) kuletsa ulendo – koma zimayamba ngati matenda kapena kuvulala kumachitika mkati mwa ndege ndipo simungathe kupitiriza.

Dziwani kuti inshuwaransi iyi imalipira ndalama zoyendera zokha; Ndizosiyana ndi inshuwaransi yachipatala yoyenda, yomwe imalipira ndalama zenizeni zachipatala mukamayenda.

kulipira: Momwe mungapangire ulendo wanu kukhala womasuka komanso wosadetsa nkhawa

3. Nyengo imakakamiza kuthawa kwanu kupita tsiku lotsatira

Kuchedwa kwanyengo kumatha kukwiyitsa, koma kuli bwino kuposa kuwuluka mvula yamkuntho mu chubu cha aluminiyamu kapena kuchoka mumsewu womwe wasefukira. Ngati mwakhala pansi, sangalalani ndi mfundo yakuti inshuwalansi yaulendo nthawi zambiri imatha kulipira zovuta za Amayi Nature.

Inshuwaransi yoletsa ulendo kapena kusokoneza: Inshuwaransi iyi ikhoza kukuthandizani ngati nyengo yoopsa ikuletsa ulendo wanu musanapite kumeneko, poganiza kuti nyengo yoipa ndi chifukwa chophimbidwa pansi pa ndondomeko yanu (yomwe imapezeka m’malamulo ambiri).

Inshuwaransi yochedwa ndege: Ngati nyengo yoipa idutsa ndipo ulendo wanu wachedwa, ndondomeko yomwe imaphatikizapo kubweza chipukuta misozi chifukwa cha nyengo yovuta ingathandize. Nthawi zambiri, maulendo apandege omwe amakhala mochedwa kwa maola 12 kapena kuposerapo akhoza kukubwezerani ndalama zomwe mumawononga, monga chakudya kapena malo ogona.

Kupereka kumasiyana malinga ndi ndondomeko, koma nthawi zambiri kumapereka ndalama zokwana madola masauzande pa munthu aliyense paulendo wa pandege wosagwiritsidwa ntchito, maulendo, ndi mahotela.

Onetsetsani kuti mwawerenga: Awa ndi ndege zomwe zimachedwetsa komanso kuzimitsa kwambiri

Momwe mungapezere inshuwaransi yapaulendo

Mitundu yosiyanasiyana ya inshuwaransi yaulendo imatha kugulidwa kudzera mu inshuwaransi yodzipereka yoyenda, ndipo nthawi zambiri imagulitsidwa pamtengo wina wamtengo waulendo wanu. Mitengo imatha kusiyanasiyana kutengera mtundu ndi kutalika kwa ulendo, zaka zanu, komanso kufalikira komwe mukufuna. Maphukusi ena oyendayenda amaperekanso inshuwaransi yapaulendo, kaya agulidwa kudzera kwa wothandizira maulendo kapena kampani yomwe, monga Disney.

onaninso: Momwe mungasankhire mpando wabwino kwambiri pa ndege

Komabe, simungafunikire kulipira. Makhadi ambiri a kingongole okwera mtengo amapereka mitundu ya inshuwaransi yapaulendo ngati gawo la maulendo olipidwa ndi makhadi – ndipo chithandizo nthawi zambiri chimakhala chabwino ngati chomwe mumalipira kuchokera m’thumba lanu. Kwa apaulendo omwe nthawi zambiri amagula inshuwaransi yapaulendo, gawoli lokha limatha kuthetsa chindapusa chilichonse chapachaka pakhadi.

Zambiri kuchokera ku NerdWallet

Sally French akulembera NerdWallet. Imelo: sfrench@nerdwallet.com. Twitter: SAFmedia.

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