Pages - Itjhorensi yesikhathi esifitjhaniItjhorensi yesikhathi esifitjhaniUmphakathi wesimanjemanje udinga abantu ababuphrofetjhinari abangakwazi ukuthwala okuyingozi, abavikeli, abazokwazi ukunikela isiqinisekiso sokujamelana nokuloba okungahle kuvele nanyana isehlakalo esingavela kungakatjhejeki. UWilliam Shakespeare emazwinakhe awatjhoko kuSonethi 3: “Koke ukuloba kuyabuyiselwa begodu okumbi kuyaphela”, asinikela okufaneleko begodu nehlathululo eqinileko yokulethwe lirhwebo lesikhathi esifitjhani emphakathini wethu. Itjhorensi yesikhathi esifitjhani idlulisela ubungozi ukusukela emphakathini ongathandi ingozi ukuya kumaphrofetjhinari wetjhorensi ekungiwo aletha ukuthula kibosorhwebo nezakhamizini, ngokufanako, nokwenza iindleko zangamalanga nokwenza irhwebo liqinisekiseke.Iyini itjhorensi yesikhathi esifitjhani?Itjhorensi yesikhathi esifitjhani lihlobo letjhorensi oyitlolisela izinto zakho onazo ezifana nendlu, ikoloyi, umaliledinini, ifenitjhara, njll., mayelana nezehlakalo ezibandakanya umlilo, ukugcekeza nanyana ukulimala. Ungatlolisa itjhorensi yesikhathi esifitjhani ephathelene nepilo yakho nanyana izehlakalo ezibandakanya ukurholophala begodu neenkolodo zangokomthetho ezenziwa kwabanye abantu. Imbadelo oyibhadela qobe ngenyanga iya ngetjhorensi oyikhethileko nokobana ibiza kangangani. Imbadelo yetjhorensi yenziwe qobe ngenyanga ukuze ubhadalele imali yenyanga leyo. Nangabe sewufuna ukusula itjhorensakho, kufanele wenze isaziso senyanga esitloliweko.Ungathatha itjhorensi yesikhathi esifitjhani eentweni ezifana nesidlalisi se-DVD, lokha nawusithenga ngesitorimende (i-HP). Ezinye iintolo angeze zikuvumele bona uthenge izinto ezibiza khulu, njengepahla yangendlinekulu ngesitorimende (nge-HP), ngaphandle lokha nawunetjhorensi yepahla yendlinakho, nanyana utlolise itjhorensi esitolo. Kanengi isitolo ngiso esikulungiselela ukutlolisa itjhorensi, kodwana nawe ungazikhethela uzenzele begodu awukakateleleki bona utlolise itjhorensi ngabo. Ngaphambi kobana utlolise itjhorensi, kuqakathekile bona uqale engconywana engafeza iindingo zakho.Uyini umnqopho wetjhorensi yesikhathi esifitjhani?Umnqopho wetjhorensi yesikhathi esifitjhani kulilisa umuntu ovelelwe yisehlakalo esifana nengozi, ubulelesi, iinkhukhula nanyana umlilo. Umnqopho wetjhorensi yesikhathi esifitjhani ukukubeka ebujameni bokuthoma ogade ukibo ngaphambi kokuvelelwa sisehlakalo esingakalindeleki.Isiyeleliso: Nangabe ukhetha ukutlolisa indlwakho, ikoloyi nanyana koke kwakho etjhorensini, bala mantanzi bona kungakubiza malini nazijanyiselelwako. Le yimali otlolisa ngayo itjhorensi isib. nangabe utlolise indlwakho ngama-R600 000 begodu iyatjha, angekhe ubhadelwe imali edlula ama-R600 000. Nangabe ikoloyakho itloliswe ngenani lemaraga, ungaya ekhamphanini ekutlolise itjhorensi ilungise imali oyikhiphako ngendlela efaneleko.Yenza isiqiniseko sokobana utlolisela imali engiyo ngaso soke isikhathi-kulilungelo lakho!Kwenzakalani lokha nawesula itjhorensi yesikhathi esifitjhani?Nawesula umleyo wetjhorensi yesikhathi esifitjhani ngonobangela wokufuna ukususa ipahla etlolisiweko nanyana nawungasakhanuki ukuyitlolisa, itjhorensi iyaphela. Awuyitholi imali egade uyikhipha qobe nyanga nanyana ungazange khewenze itleyimi. Usorhwebo wetjhorensi ubesengozini ngaso soke isikhathi. Kiwaphi amanye amatjhorensi wesikhathi esifitjhani akhona emakethe?1. ITjhorensi yabaNikazi bamaKhayaItjhorensi le iqakatheke khulu lokha nawuthenga indlu. Ivikela indlwakho (umakhiwo) lokha nayilimalako ngonobangela womlilo, ummoya, umphezulu, iiwuruwuru, amanzi, njll. kanye nalokhu okufakwe endlini okufana namathayilesi, amaraga njll. Ibhanga yakho izokukatelela bona utlolise itjhorensi lokha nawuthenga indlu ngebhondi. Bangakwenzela yona nanyana wena ngokwakho usebenzise abatlolisi beentjhorensi bamakhamphani ahlukahlukeneko. Nangabe ikhamphanakho ayifaki hlangana ukusaga nokuphadlhuka kwephasi nanyana inturhu nokubhenyoga, bawa bona kufakwe lokho etjhorensinakho. Nangabe kukhona okungakafakwa etjhorensini yenza isiqiniseko sokobana uyakuzwisisa lokho.Izinto okufanele uzitjhejeNangabe unendlu yebhondi, itjhorensi yomnikazikhaya ingahlelwa yibhanga. Unelungelo lokuhlala uhlola njalo bona indlwakho nawuyitlolisileko etjhorensini, ihlala isezingeni ekungilo. Khumbula, nangabe awunandlu yebhondi, nanyana sewuyibhadele wayiqeda, ukutlolisa ipahla yakho kusezandleni zakho.2. ITjhorensi yeziNto ezingeNdliniItjhorensi le ivikela izinto onazo ngendlini mayelana nengozi engavela ebangelwa mlilo, iiwuruwuru, iikhukhula, ukweba, ukuvuza kwamanzi, ingozi, njll. Ezinye iintjhorensi azikufaki lokhu begodu/nanyana zinikela okungezelelweko (imali okufanele uyibhadele ngaphambi kobana ikhamphani ikwenzele itleyimi). Eminye imigomo yetjhorensi yesikhathi esifitjhani etlolisa izinto zangendlini idinga irhelo lokuvikelela, isib. iinsimbi zokuvikela, amahege avikelekileko nanyana i-alamu. Yenza isiqiniseko sokobana itjhorensakho idinga ini bese ufaka lokhu okufunakalako, nangasinjalo ikhamphani yetjhorensi ingabhala ukubhadela itleyimi.Yenza isiqiniseko sokobana isilinganiso semali yezinto zangendlini usibale saqonda. Linganisa inani lepahla onayo ngomqondo wokujanyiselelwa ngezitja. Kwesinye isikhathi abantu bacabanga bona babulunga imali yaqobe nyanga ngokubala kwaphela isilinganiso sezinto abacabanga bona zetjiwa khulu. Lokhu akusikho ukuhlakanipha! Nangabe ulinganisa ipahla yakho ngendlela engasiyo, uzokusebenzela ukuloba-begodu nakufanele wenze itleyimi, angeze wathola itleyimi epheleleko ngombana awukabali kuhle itjhorensakho. Yenza isiqiniseko sokobana unetjhorensi efaka koke begodu ihlalise kuhle njalo njalo.3. Itjhorensi yeziNto eziHlala ziseNgoziniKunezinto esinazo ezivama ukukhamba nazo begodu ezingalahleka, isib. abomaliledinini, amakhamera, iimbuko namatsikiri. Imilemo yetjhorensi yemakhaya iyavama ukufaka izintwezi etjhorensini, kodwana ezinye zingasala ngephutha, ngalokho kuqakathekile bona ipahla ibalwe ngayinye ngayinye nokobana i-intjhorwe ngamalini. Hlola umthengisakho wetjhorensi bona itjhorensi iyakufaka lokhu na.4. ITjhorensi yeKoloyiKuneentjhorensi ezahlukahlukeneko zeenkoloyi. Kuqakathekile bona ulinganisa ikoloyakho ngendlela efaneleko lokha nawutlolisa itjhorensi. Isilinganiso setjhorensi asibandakanyi kwaphela imali oyikhiphako yaqobe nyanga, kodwana netleyimi yakho. Itjhorensi yekoloyi ayifani neyepahla yangendlini, yona yehla njalo ngonyaka begodu iya nangobujamo bemakethe, ngamanye amagama, ilinganisa imali ongayithola nawuthengisa ikoloyakho ngaleso sikhathi. Okhunye godu kuya nangamakhilomitha owakhambileko nokobana ikoloyi ilungiswa ngendlela efaneleko na. Ngalokho kuqakathekile bona uhlalise itjhorensakho qobe ngonyaka ukuze ihlale ilungile. Nawubhalelwa ukwenza lokhu ikoloyakho izoku-intjhorwa ngokweqileko begodu kungenzeka bona ubhadela khulu – funisisa ekhamphanini yetjhorensi nanyana emntwini otlolisa i-intjhorensi.Abanobangela abangaletha umthelela etjhorensinakho nanyana emalini oyibhadelako• Umuntu o-intjoriweko – imali oyikhiphako iyelela ubunjalo bakho obufaka hlangana umnyaka wakho, umlando wetleyimi njll.• Umhlobo wekoloyi – imali yaqobe nyanga nomhlobo wetjhorensi ungaya ngomhlobo wekoloyi, isib. umnyaka, umhlobo wekoloyi nokobana Ibiza malini.• Ivikeleko elifakwe ekoloyinakho – hlola bona ivikeleko lekoloyi olifakileko liyamukeleka ekhamphanini ekutlolise i-intjhorensi.• Lapha uhlala khona – amatleyimi amanye enzeka endaweni ethize ngonobangela weengozi eziphezulu.• Indawo lapho ikoloyi ihlala khona, khulukhulu ebusuku – amathuba wokwetjiwa kwekoloyi aphasi lokha ikoloyi nayivalelwa egaraji ekhiyelwako.• Uyisebenzisela ukwenzani ikoloyi – ingabe uyisebenzisela ukuya emsebenzini ubuye, nanyana uyisebenzisela wena nanyana uyisebenzisela irhwebo? Tjela umtlolisi wakho wetjhorensi nangabe kukhona omunye ozabe asebenzisa ikoloyakho.Imihlobohlobo yetjhorensi yekoloyi4.1 I-Third PartyNangabe uthole ingozi, koke kusemahlombakho, itjhorensi yokulimala ye-third party yabanye abantu (okufaka nabakhweli) kanye nokulimala kwepahla yabantu. Nangakhe kwenzeke bona kukhona umkhweli olimalako ngonobangela wobudlabha bakho, itjhorensi izomsiza naye, ngaphezu komkhawulo wokuzuza we-Road Accident Fund.4.2 I-Third Party yomLilo nokEbaItjhorensi le ifaka hlangana ikhava yomlilo nokweba, ukungezelela etjhorensini ye-third party ejayelekileko. Kungenzeka bona bakubawe ubhadele imali engezelelweko – funda idokhumende yakho yetjhorensi.4.3 EhlanganisiwekoItjhorensi ehlanganisiweko inikela ikhava emayelana nokulinyazwa kwekoloyakho okuhlangene ne-thirt party, umlilo nokweba. Lokhu kukunikela ikhava ebanzi. Esikhathini esinengi bakubawa ukhiphe imali engezelelweko.5. ITjhorensi yeeNdleko zangokomThethoItjhorensi le ikulilisa ematleyimini aphathelene nawe, esikhathini esinengi amayelana nobudlabha nanyana okhunye. Isibonelo, omunye angatjhelela ethayilisini elingakahlali kuhle alimale, akuthathe akuse ekhotho ayokufuna imali yokulatjhwa, ukulahlekelwa yimali, njll. Nangabe uthola msinyana ngesehlakalo esenzakeleko esizokwenza bona ubanjwe mthetho, bonana msinyana nekhamphanakho ekutlolise itjhorensi.Tjheja: Imadlana ethize ephathelene “nekhava yeendleko zangokomthetho” ifakiwe epahlenakho yetjhorensi!Kunye kwamaswaphelo ofanele ukwazi ngetjhorensi yesikhathi esifitjhaniKuqakathekile bona wazi bonyana awunalungelo lokwenza itleyimi elilodwa entweni efanakoAmaLungelo weemBophoKulilungelo lakho ukuthola ikontraga ehlathululwe ngokuzeleko ebuya ekhamphanini yetjhorensi hlangana namalanga ama-30. Ikontraga kufanele ikutjele bona utlolisele ini begodu khuyini ongakakutloliseli.Kumsebenzakho bona uqinisekise ukutlolisa emakhamphanini wetjhorensi atloliswe ne-FSB. Yenza isiqiniseko bona umtlolisi wetjhorensi ujamela ikhamphanakhe ngokomthetho wayo.Ikontraga kufanele ikunikele iinomboro zomrhala, isiphande sokuposa nesokuhlala sekhamphani yetjhorensi nanyana umtlolisi wetjhorensi.Unomsebenzi wokufunda amadokhumende wekontraga yakho begodu uzwisise koke. Buza umtlolisi wakho wetjhorensi nangabe kunento ethize ongayizwisisiko. Nangabe kusaragela phambili bona awuzwisisi, bawa omunye akuhlathululele ngelimi lakho.Begodu unelungelo lokubawa bonyana amadokhumende wakho atlolwe ngokucacileko nangelimi elizwakalako.Ikontraga yakho kufanele ikutjele imali okungiyo ofanele ukuyikhipha qobe ngenyanga. Kufanele godu itjho ilanga enyangeni imali efanele ukudoswa ngalo. Ikontraga kufanele ikutjele nangokukhuphuka kwemali yaqobe nyanga okungenzeka esikhathini esizako.Ungathomi utlikitle iforomo elingakazaliswa nanyana elingakazaliswa ngokuzeleko. Zalisa woke amaforomo nge-inki.Kulilungelo lakho ukwazi isikhathi somusa onikelwe sona. Kanengi uba namalanga ali-15 womusa wokubhadela isikhathi sesidlulile. Akhe sithi kufanele ubhadele ngezi-1 zenyanga enye nenye, ngalokho uvunyelwe ukunikelwa amalanga ali-15 angezelelweko wokubhadela imali yaqobe nyanga.Yenza isiqiniseko sokobana uzwisisa lokhu abakutjela khona nalokhu enivumelene ngakho kuqinisekiswe ngokutlolwa phasi hlangana kwamalanga ama-30.Ikontraga kufanele ihlathulule amajamo akhethekileko lawo angaba khona emgomeni wetjhorensi. Kulilungelo lakho lokwazi bona khuyini ongakatloliselwa khona wena okuthethe wakukhipha. Lokhu kubizwa bona, “ukukhitjhwa” edokhumendeni yomgomo.Kulilungelo lakho ukubeka ikontraga yakho endaweni ephephileko.Unelungelo lokwazi imali okufanele uyibhadele ngaphambi kobana ikhamphani ikubhadele itleyimi. Leyo mali ibizwa bona imali edluleleko.Unelungelo lokunikela ilwazi eliyiqiniso nelilungileko ngawe. Ungathola umraro ngetleyimi yakho nangabe elinye ilwazi lifumaneke lingasiliqiniso.Unelungelo lokusula ikontragakho yetjhorensi hlangana namalanga ama-30 emva kobana utlikitle ikontraga begodu awukathabi ngayo. Lokhu kubizwa bona sikhathi “sokulisa” sekontraga.Unelungelo lokuqinisekisa bona ubhadela itjhorensako qobe ngenyanga. Khumbula, angekhe wathola isizo nangabe ukoloda itjhorensakho.Unelungelo lokwazi bona uyenza njani itleyimi. Ikontraga izokutjela bona amatleyimi wekhamphani enziwa njani.Yenza isiqinisekiso bona ikontraga Ibiza malini inyanga enye nenye begodu kufake lokhu esabelweniimali zakho.Ikontraga kufanele ikunikele umrhala nefeksi, isiphande sokuhlala neposommoya ye-Ombudsman for Short-term Insurance. Le yi-ofisi ongaya kiyo lokha ikhamphanakho yetjhorensi nanyana umtlolisi wetjhorensi angakwazi ukurarulula umraro.IimBopho namaLungelwakho njengomtlolisi wetjhorensi yesikhathi esifitjhaniImininingwana yokuthintana yeminyango emayelana nemisebenzi yeTjhorensi yesiKhathi esiFitjhani:Umrhala: (011) 726 8900Ifeksi: (011) 726 5501Iposommoya: info@osti.co.zaUmrhala: (011) 726 5381; Ifeksi: (011) 726 5351Iposommoya: info@saia.co.zaUbunzinzolwazi: www.saia.co.zaUmrhala: 0860 324 766Ifeksi: (011) 348 3447Iposommoya: info@faisombud.co.zaIsiphande sokuhlala: Riverwalk Office Park, BlockInomboro yasimahla: 0800 20 20 87 nanyana 0800 11 04 43Iposommoya: info@fsb.co.zaUbunzinzolwazi: www.fsb.co.za
