Ngaba ufuna i-inshurensi yebhayisekile yombane? Ukuqonda iimfuno zakho zokugubungela

Iibhayisikile zombane, okanye iibhayisikile, ziyatyatyamba ngokuhamba, zokuhambisa kunye nokuzonwabisa. Njengomzi-mveliso ophambili kumgangatho ophezuluI-tricycle yombane yombane, itrayikhi yabakhweli bombane, Siyabuqonda utyalomali ezi moto. Kodwa ubunini buza imibuzo, ngakumbi ngokukhuselekileyo. Ngaba uyayifunaI-inshurensi ye-e-Bike? Ngaba uMgaqo-nkqubo wakho womnini mzi uyigubungele? Eli nqaku ligqogqa inzuluI-inshurensi yebhayisekile yombane, echaza ukuba kutheni ibalulekile, yintoniukugubungelaInketho ikhona, kwaye indlela yokuqinisekisa ukuba ibalulekileibhayisekile yombaneikhuselwe, ikunikauxolo lwengqondoNokuba ukhwele ishishini okanye ulonwabo. Kufanelekile ukuba ufunde ukuqonda amandlaukugubungelaIzithuba zenze izigqibo ezizizo.

Yintoni kanye kanye ibhayisekile yombane (kwaye kutheni ibalulekile kwi-inshurensi)?

Okokuqala, makhe sicacisa ukuba yintoniibhayisekile yombaneokanyei-e-bike. Ngokungafaniyo nomgangathoibhayisekile, ai-e-bikeIbandakanya inqwelo moya yokuncedisa kwi-propulsion. Nangona kunjalo, bahluke kakhulu kwiimpundu okanyeizithuthuthu. Kwisiqhelo i-US,Iibhayisikilebahlelwe kwiiklasi ezintathu, ngokubhekisele kumandla eemoto, isantya esincedisiweyo, kwaye nokuba banayothambisa:

• Iklasi 1:I-Pedal-Nyanani:I-20 mph.
• Iklasi 2:I-Fostlettle-incedisile (imoto inokuqhubaibhayisekileNgaphandle kokuhamba ngeenyawo), nesantya esincedisiweyoI-20 mph.
• Iklasi 3:I-pedal-incedisi kuphela, kodwa ngesantya esiphezulu esincedisiweyoI-28 mph. Ezi rhoqofuna ilayisensiKwezinye iindawo, imigca enamafutha kancinci kancinciIzithuthi ezineemoto.

Ukuqonda ezi zinto zichobo zibalulekile kuba iinkampani zeinshurensi kunye nemigaqo yesizwe zihlala ziziphatha ngokwahlukileyo kwezi klasi. Aibhayisekile yombaneiwela ngaphandle kwale nkcazo (i.G., ngemoto engaphezulu kwe-750w okanye ikwazi ukwenzeka ngesantya esiphezulu) sinokuhlelwa njengempungutye okanyeisithuthuthu, kuphazamisa iimfuno zeinshurensi ezahlukileyo kunye nokufuna ubhaliso kunye nelayisensi. Ukwazi eyakhoi-e-bikeIklasi inceda ukumisela ukuba ikhoImigaqo-nkqubo yeinshurensiinokunikezelaukugubungelaokanye ngokuqinisekileyofuna i-inshurensiyenzelwe ngokukodwaIibhayisikile.

Umzekelo woombalaI-tricycle yombane ye-proicycle hj20-Ixabiso elifanelekileyo apho kucetyiswa i-inshurensi yeinshurensi ethile.

Umahluko phakathi kweibhayisekile yombanekunye nezinyeIzithuthi ezineemotoibalulekile kwiinjongo zeinshurensi. UmgangathoI-inshurensi yebhayisikileisenokungafihliIibhayisikileNgenxa yemoto, ngelixaisithuthuthuI-inshurensi idla ngokungeyomfuneko kwaye ibiza kakhuluIklasi 1, Iklasi 2, okanyeIklasi 3 e-bikes. Olu hlobo oluthile lweIibhayisikilekudala imeko yeinshurensi eyahlukileyo. NjengeI-cyclistUkutyala imali kwiibhayisekile yombane, ngakumbi iimodeli zexabiso eliphakamileyo elifana nempahla yombane okanye iitraki zabakhweli, ukuqonda oku kuhlelwa linyathelo lokuqala ekuqinisekiseni ukhuseleko olululo.

Ngaba ufuna i-inshurensi yokukhwela i-e-bike e-USA?

Lo ngumbuzo oqhelekileyo, kwaye impendulo emfutshane yile:Ngokwesiqhelo akunjalo, kodwa kuxhomekeke. Okwangoku, akukho magunya mithethoI-inshurensi ye-e-BikeeUnited States. Ngaphaya koko, uninzi lwamazwe alunayo ngokucacileyofuna i-inshurensi ye-e-BikekubaIklasi 1, Iklasi 2, okanye ngamanye amaxeshaIklasi 3 e-bikes, ubaphathe ngokufanayo kwimveliIibhayisikile. Uqhele ukubafuna i-inshurensi yokukhwelaai-e-bikekwiindlela zikawonke-wonke okanyeIndlela yebhayisekileNgokwembono engekho mthethweni, wanikaibhayisekile yombaneIlingana ngaphakathi kweeklasi ezichaziweyo.

Nangona kunjalo, imbonakalo yomhlaba ivela. Ezinye izixeko ezithile okanye izibalo zinokuzisa imimiselo yendawo. Ihlala ibubulumkoJonga indawo yakhoImigaqo yokuqinisekisaAkaphuli nayiphi na imithetho. Kwakhona, ukuba aibhayisekile yombaneIgqitha amandla okanye imilinganiselo yesantya echaza ezona zithathu ziqhelekileyo, zinokuphinda ziphinde ziphinde zibe yimoto okanye enye imoto, ethindingayenzakunokwenzeka ukuba yenze i-inshurensiifunwa ngumthetho, kunye nobhaliso kunye nelayisensi yokuqhuba.

Nokuba ayigunyaziswanga ngokusemthethweni, ukukhwelaNgaphandle kwe-inshurensiibeka umngcipheko obalulekileyo wezezimali. Ukuba wenza ukuba ingozi ibangela ukonzakala okanye ukonakala kwepropathi, ungabanjwa uxanduva lwakhoIindleko zonyango, ukulungiswa, kunye nemirhumo yezomthetho. Ixabiso leIibhayisikilengokwabo, ihlala ibaleka ingamawakawaka eedola, ikwamele i-asethi enkulu esengozini yobusela okanye umonakalo. Ke, ngelixa ungangokusemthethweni funa i-inshurensiUmgangatho wakhoibhayisekile yombane, ukufumanaukugubungelayinqanaba elicetyiswayo lokukhusela imali kunyeuxolo lwengqondo. Yicinge kancinci kancinci njengomqobo osemthethweni kwaye ngakumbi njengomnatha wokhuseleko lwe-smart.

Ngaba abaninimzi bam baya kuba ne-Inshurensi ye-Inshurensi ye-E-Bikes ngokufanelekileyo?

Ezininzii-e-bikeAbanini bathatha indawo yabo ekhoyoI-Inshurensi yeKhaya ekhayaokanyeAbabuyiseli okanye i-inshurensi yekhayaImigaqo-nkqubo iya kugubungela ngokuzenzekelayo ukhwela. Ngelishwa, oku kuhlala kunjalohayiimeko, okanye iukugubungelakubonelelwe kakhulu. Ngelixa imigaqo-nkqubo idla ngokugubungela ipropathi yomntu, kubandakanya umgangathoIibhayisikile, IibhayisikileIzinto ezinzima ngenxa yemoto yabo kunye nexabiso eliphezulu.

Iqela elinamandla elinokubakho xa lixhomekeke kuphelaUmnini khayaokanyei-renterimigaqo-nkqubo yeI-e-bike igubungele:

1. Umda wexabiso:Imigaqo-nkqubo yeinshurensi yekhaya ihlala inamachaphaza amachaphaza kwizinto ezithile eziphezulu. Umgangathoibhayisekileinokuwela phantsi kwalo mda, kodwa uninziIibhayisikile, ngakumbi iimodeli zepremiyamu okanye iimodeli zabakhweli, zingadlula ngokulula imida ye (E.G., $ 1,000- $ 2,500). Ukuba bakhoi-e-bikeiibiwe okanye yonakalisiwe, unokubuyisela kuphela iqhezu lexabiso layo.
2. Isithuthi esineemotoEzininziAbanini bamakhaya kunye nabaphenduliimigaqo-nkqubo ayikhupheli ngokungqalileyoIzithuthi ezineemoto. NgelixaIibhayisikileihlala ithatha indawo engwevu, ezinye ii-inshurensi zihleliweNantoni naimoto enemoto phantsi kwale mpahla, inikezela hayiukugubungelakukonke. Oku kuyinyani ngakumbi kuba ngokukhawulezaIklasi 3 e-bikesokanye abo banethambisa (Iklasi 2).
3. Izakhiwo ezikhoyo:Ukugubungela ipropathi yakho kungancitshiswa okanye kuncitshiswe xa into inga kude nekhaya lakho. Ukuba bakhoibhayisekile yombaneibiwe ngelixa ipakishwe ngaphandle kwevenkile okanye eyonakalisiweyo kwimayile yengozi, yakhoI-Inshurensi yasekhayainokunikezela kancinciukugubungelakunokuba yenzekile kwipropathi yakho.
4. Izithuba zokugubungela iityala:Mhlawumbi eyona nto ixhalabisa kakhulu luxanduva.I-inshurensi yekhayaInika ukhuseleko lwetyala ukuba wenzakalise umntu okanye wonakalise ipropathi yabo. Nangona kunjalo, okuukugubungelaRhoqo akabandakanyi izehlo ezibandakanyaIzithuthi ezineemoto. Ukuba ubangela ingozi ngelixa ukhwelei-e-bike, Umgaqo-nkqubo wakho wekhaya unokukhanyela ibango lokuhlawula, ukushiya unoxanduva ngeendleko ezinokuba nzima. Oku kubalulekileI-jap yokugubungela.

Ngelixa abanyeUmnini khayaImigaqo-nkqubo inokunikezelaukugubungela, ngakumbi igunya eliphantsiIklasi 1 ye-e-bikesisebenzise ngokucocekileyo ukuze kuzonwabisa, ixhomekeke kuyo kuyingozi. Kubalulekile ukufunda amaxwebhu emvumelwano yakho ngononophelo kwaye uthethe ngqo nomnikezeli wakho weinshurensi ukuze uqonde ukuba yintoniI-inshurensi yeinshurensibanikezela ngenjongo yakhoibhayisekile yombane. Sukucinga ukuba ukhuselekile; Qinisekisa iinkcukacha ukuphepha ezothusayo.

Iimodeli zabakhweli njengeI-ev31 i-tricycle yombanePhatha ukuqwalaselwa kwetyala elikhethekileyo nge-inshurensi ethile ye-e-Bike.

Kutheni i-inshurensi ye-e-Bike ye-e-Bike ihlala iyimfuneko? (Ukujongana nesap yesap

Inikezwe umda woMgangathoAbanini bamakhaya okanye i-inshurensi ye-rens, kubonelelweI-inshurensi ye-e-BikeUkuvela njengesona sisombululo sinokhuselo oluthembekileyo lokhuselo olubanzi. Ezi zikhethekileyoImigaqo-nkqubo yeinshurensizenzelwe okukhethekileyo kwimingcipheko eyahlukileyo enxulumene nokusebenza kunye nokusebenzaibhayisekile yombane. Bakhalisa ngokufanelekileyo iI-jap yokugubungelaishiywe yimigaqo-nkqubo yemveli.

A Umgaqo-nkqubo we-e-Bikeilungiselelwe ubunyani bokusebenzisa iibhayisekile yombane. Iyayiqonda loo ntoIibhayisikilezizinto ezixabisekileyo zihlala zisetyenziswa kwiindlela zendlela kunye nezithuba zikawonke-wonke, zibonisa abakhweli ukuya kumngcipheko ngaphandle kwegaraji. NgokungafaniyoUmnini khayaImigaqo-nkqubo enokuthi inikezweukugubungela, I-inshurensi ye-e-BikeNgokwesiqhelo ibonelela ngokhuseleko olubanzi, kubandakanya:

• Ubusela obugubungelweyo:Igubungela ixabiso elipheleleyo lakhoi-e-bikeUkuba ibiwe, nokuba ikhaya lakho okanye ngelixa ivaliwe kwenye indawo.
• Umonakalo wokuPhakanyiswa:Ihlawula ukulungiswa okanye ukutshintshwa ukubai-e-bikeyonakaliswe ngengozi (ukungqubana), ukonakaliswa komlilo, umlilo, okanye ezinye iingozi ezigqubuthelweyo.
• UKUKHUSELEKA:Oku kubalulekile. Ukuba ukwimpazamo kwingozi kwaye wenzekalisa umntu okanye wonakalise ipropathi yabo ngelixa ukhweleibhayisekile yombane, leukugubungelaIziphatha iindleko ezinxulumene nazo, iifizi zomthetho, kunye nokuhlala, ukuya kwimilinganiselo yomgaqo-nkqubo. Oku kuhlala kukhutshelwa ngaphandle okanye ukulinganiselwaI-Inshurensi yasekhaya.
• Iintlawulo zoNyango:Inceda ukugubungela amatyala akho kwezonyango ukuba wenzakele kwii-e-bikeingozi, ngaphandle kwesiphoso.

Ngapha koko, ukuthembela kumnini-mzi ibangoi-e-bikeIsiganeko (ukuba sigutyungelwe konke) sinokubakhoYongeza amaxabiso akho ngexeshaUmgaqo-nkqubo wakho wonke wekhaya. UzinikezeleIpolisi yeinshurensi ye-e-BikeYonga le mingcipheko.Imigaqo-nkqubo iqalaNgeemali ezifanelekileyo zenyanga zihlala zenza le nto ikhethekileyoukugubungelaUtyalomali olufikelelekayo, ngakumbi uqwalasela iindleko zengozi okanye ubuselaNgaphandle kwe-inshurensi. Iqinisekisa iimfuno zakho ezithile njengeibhayisekile yombaneUmkhweli uyafezekiswa, ukuhambisauxolo lwengqondoImigaqo-nkqubo emiselweyo ayinakuqiniseka. Kuba nabani na usebenzisa iibhayisekile yombanerhoqo, ingakumbi ekuhambeni okanye kwishishini elinjengokusebenzaI-tricycle yabakhweli bombane (ukhozi lase-Afrika k05), eyahlukileyoI-inshurensi ye-e-BikeIsicwangciso sihlala sikhethekile.

Zeziphi izibonelelo eziphambili ze-inshurensi ye-e-Bike?

Ukutyala imaliI-inshurensi ye-e-BikeInika izibonelelo ezininzi ezibalulekileyo ngaphaya kokufezekisa imfuneko yokubakho (nangona inqabile). Kubanini banjengoMark Thompson, oxabisa ukusebenza ngokuthembekileyo kunye nokukhusela kwii-asethi zabo zeFleti, ukuqonda eziIzibonelelo ze-inshurensi ye-e-Bikeisitshixo.

• Ukukhuselwa kwemali kubusela kunye nomonakalo:I-e-bikes zijolise kwiithagethi ze-e-i-e-bikes zinomtsalane kumasela kwaye zinokubiza ukulungisa okanye zitshintshe ukuba zonakele.I-inshurensi ye-e-BikeibonelelaukugubungelaUtyalomali lwakho ukuba akhoibhayisekile yombaneiibiwe okanye yonakalisiweNgenxa yeengozi, ukonakaliswa komlilo, umlilo okanye eminye imicimbi egubungelweyo. Oku kuthintela ukulahleka kwepokotho.
• Ukugubungela inkxaso ebalulekileyo:Oku kuyaphikisana noncedo olubaluleke kakhulu. Ukuba uyayenzakalisa ngengozi umntu okanye ukonakalisa ipropathi ngelixa ukhwelei-e-bike, uxanduvaukugubungelakukukhusela kwiziphumo zemali. Ibandakanya iifizi zomthetho, iindawo zokuhlala kunye nezigwebo, ezinokubaleka ngokulula kwishumi okanye amakhulu amawaka eedola. UmgangathoI-Inshurensi yeKhaya ekhayaRhoqo ayibandakanyi le ntoIzithuthi ezineemoto, ukwenzaI-inshurensi ye-e-Bikekubalulekile.
• Ukugubungela iindleko zonyango:Ingozi yenzeka.I-inshurensi ye-e-BikeImigaqo-nkqubo ihlala ibandakanya iintlawulo zonyangoukugubungela, enceda ukuhlawula intlawulo yengozi yakho igcinwe ngelixa ukhwele yakhoibhayisekile yombane, Nokuba ngubani na owayephosakele. Oku kunokubangela i-inshurensi yakho yezempilo okanye iindleko zentlawulo ukuba unayoukuthambisa.
• Ukukhuselwa kuBaqhubi abangafundanga / abangaphakathi:Kuthekani ukuba ubethwe ngumqhubi ongenayo i-inshurensi okanye yaneleukugubungelaukuhlawula ukulimala kwakho okanyei-e-bikeUmonakalo? EzinyeImigaqo-nkqubo yeinshurensi ye-e-BikeNikeza okuukugubungela, ukungena ukugubungela ilahleko yakho.
• Uxolo lwengqondo:Ukwazi ukuba unengqiqoukugubungelaIkuvumela ukuba ukonwabele ukukhwelaibhayisekile yombanengaphandle kokukhathazeka rhoqo. Nokuba ngaba ukuthumela, ukwenza ukuhambisa ngeI-tricycle yombane ye-HJ10, okanye ukonwabela ukuzonwabisaumjikelo, I-inshurensi ibonelela ngoxolo lwengqondo. Ngamaxesha athileizinto zenzeka ngaphandleyolawulo lwethu, kwaye kunjalokuhle ukuba noxoloyeIngqondo yezo zibaluleke kakhuluizehlo.
• Inketho yongezwa-I-ONS:EzininziI-inshurensi ye-e-BikeAbaboneleli banikezela ukongeza ngokungathi luncedo ecaleni kwendlela, ukhuseleko lothutho (isigqubuthelo lomonakalo ngexesha lokuhambisa), kwayeukugubungelaNgeengcebiso kunye neenxalenye ezikhoyo.

Ngokuyintloko,I-inshurensi ye-e-BikeIzenzo njengokhuseleko lwezezimali, ukukhusela utyalomali lwakho, iiasethi zakho, kunye nentlalo-ntle yakho ukusuka kwimingcipheko engalindelekanga enxulumene nokukhwela. Nakuphi na okunzuluI-cyclistSebenzisa iibhayisekile yombane, izibonelelo zidlula kakhulu iindleko.

Luluphi ukhetho loPhuculo oluqhubayo kwi-inshurensi ye-e-Bike?

Xa uthatha isigqiboinshurensiakhoibhayisekile yombane, uyakufumana uninziUkhetho lokukhethaIfumaneka, ikuvumela ukuba ulungiselele umgaqo-nkqubo kwiimfuno zakho kunye nohlahlo-lwabiwo mali. Ukuqonda ezi macandelo kukunceda ukuba wakheUmgaqo-nkqubo olungileyo. Nalu uqhetsebaI-Inshurensi yeinshurensiIindidi ezinikezelweyo kwiIpolisi yeinshurensi ye-e-Bike:

• Isigqubuthelo esibanzi:Oku kubandakanya ukulahleka komzimba okanye ukonakala kweyakhoi-e-bikekwizigamekongaphandle kweukungqubana. Oku kubandakanya ubusela, ukonakaliswa komlilo, umlilo, izinto eziwile, kunye neziganeko ezinxulumene nemozulu. Ukuba bakhoibhayisekile yombaneiyonakele okanye ibiwe, leukugubungelainceda ukuhlawula ukulungiswa okanye ukutshintshwa, ihlala emva kokuhlawulaukuthambisa.
• Ukudityaniswa kwengqumbo:Oku kuhlawula ukonakala kweyakhoi-e-bikekubangela ukungqubana nenye into, nokuba yenye imoto, into yokumisa injenge-pole, okanye i-vesing njeibhayisekilengokwayo. Oku kubalulekile kwiindleko zokulungisa zokulungisa emva kwengozi.
• Ukuhlawulwa kwetyala (ukwenzakala emzimbeni kunye nomonakalo wepropathi):Oku kukhuselwe kubalulekile. Ukuba ufumaneka ngokusemthethweni ingozi ebangela ukwenzakala komnye umntu (ukonzakala) okanye wonakalise ipropathi (ukonakaliswa kwepropathi) ngelixa ukhwele yakhoibhayisekile yombane, leukugubungelaihlawula le ndleko, kubandakanya neendleko zomthetho, ukuya kwimida yakho yomgaqo-nkqubo.
• Ukuhlawulwa kwentlawulo yezonyango:Oku kunceda ukugubungela owakho (kwaye ngamanye amaxesha umntu wakho okhweleyo) ofanelekileyo kwaye uyimfunekoIindleko zonyangokukhokelela kwii-e-bikeingozi, nokuba ngubani na owayephosakele. Oku kunokubandakanya ukukhwela i-ambulensi, ukutyelelwa kwesibhedlele, kunye nemirhumo kagqirha.
• Imoto engafunekiyo / engaphakathi yokugubungela:Kukukhusela ukuba ufike ngumqhubi ongenayo i-inshurensi (engafakwanga) okanye i-inshurensi eyaneleyo (yenzakala kwaye inokubakhoi-e-bikeUmonakalo). YakhoIpolisi yeinshurensi ye-e-Bikeibiza kungena ekuhlawuleni ukunqongophala.
• Uncedo lwendlela:EzinyeAbanikezeli beinshurensiNikeza le nto yongeza, enokubonelela ngoncedo ukuba akhoi-e-bikeikhefu, njengezothutho kuwe kunye neyakhoibhayisekilekwivenkile yokulungisa ikufuphi.
• Ukugubungela:Ihlala ibandakanyiwe okanye ifumaneke njengo-Yongeza, le igubungela izixhobo eziqhotyoshelwe ngokusisigxina ezinjengeeracks, izixhobo zeGPS, okanye izihlalo zesiko ukuba zonakaliswe okanye zibiwe kunye neyakhoi-e-bike.

Imida yokugubungela kunye nokuncitshiswa

Xa ukhethaUkhetho lokukhetha, cinga ngexabiso lenuibhayisekile yombane, apho ukhwela khona, ukhwela kangaphi, kunye nemeko yakho yezemali. Imida enqabileyo ephezulu iyacetyiswa ngokubanzi ngenxa yexabiso eliphezulu lemithetho enokubakho.

Iimodeli ezahlukeneyo ze-e-Bike ezifana neI-tricycle yabakhweli bombane K04inokuba neemfuno zeinshurensi ezahlukileyo kunye neendleko.

Ukuhlelwa kwebhayisekile (iklasi 1, 2, 3) kuchaphazela njani imigaqo-nkqubo yeinshurensi?

Ukwahlulahlula kwakhoibhayisekile yombane-Iklasi 1, Iklasi 2, okanyeIklasi 3-Ungayichaphazela kakhuluImigaqo-nkqubo yeinshurensi, zombini ngokomfanekiso kunye neendleko.Abanikezeli beinshurensiRhoqo usebenzisa ezi klasi ukuvavanya umngcipheko, njengoko zinxulumene ngqo nei-e-bikeIzakhono zesantya kunye nemowudi yokusebenza (i-pedal-ukunceda i-vs.thambisa).

Iklasi 1 ye-e-bikes(i-pedal-incedisi, maxI-20 mph) ngokubanzi ijongwa njengeyona mngcipheko usezantsi. Bahlala benelona xesha lilula lokufumanaukugubungela, kwaye iipremiyamu zinokuba ziphantsi kancinci. EzinyeUmnini khayaimigaqo-nkquboamandlaNika ezo zinto zilinganiselweyo zezi, nangona ukuthembela koku Akakhuthazwa.

Iklasi 2 ye-e-bikes(I-Foottle-Inces, MaxI-20 mph) ikwandisiwe ngokubanzi phantsi kwayoI-inshurensi ye-e-BikeImigaqo-nkqubo. Ubukho bethambisainokunyusa kancinci umngcipheko obonisiweyo kwezinye i-inshurensi xa kuthelekiswa nawoIklasi 1, kodwa ngokubanzi baphathwa ngendlela efanayo. Nangona kunjalo,thambisaamandla okuba benze ukuba babe nokukhutshelwa ngaphandleI-Inshurensi yeKhaya ekhayanjengeIzithuthi ezineemoto.

Iklasi 3 e-bikes(i-pedal-incedisi, maxI-28 mph) Ihlala ijongene nokuhlolwa kweenkampani zeinshurensi kunye nabalawuli. Ngaphezuluisantya esiphezulu(ixhomekeke kuI-28 mph) Ukonyusa ubukhali beengozi. Ngenxa yoko:

• Iipremiyamu zeI-inshurensi ye-e-BikeIngaphezuluIklasi 3Iimodeli.
• Ezinye ii-inshurensi zinokuba nemithetho ethile yokubhala okanye yokufakelwa kwemaliIklasi 3 e-bikes.
• Phantse ngokuqinisekileyo ngaphandle kwenqanabaAbanini bamakhaya kunye nabaphenduli I-Inshurensi yeinshurensiNgenxa yesantya sabo kunye nokuhlelwa.
• Qaphela ukuba isixeko sakhookanye ilizwe linokuba nemigaqo ethile yeIklasi 3 e-bikes, ngamanye amaxesha efuna izigcina-ntloko okanye ukuthintela ukusetyenziswa kwabo ngeendlela ezithile zokusetyenziswa kwamaqela amaninzi, ezinokuvavanya ngokungathanganga.

IibhayisikileigqithileIklasi 3InkcazoI-28 mphNgaphandle kokuhamba ngeenyawoUmgaqo-nkqubo we-e-Bike. Ezi zihlala zinjalobathathelwe ingqalelo izithuthiNjengamampungesi okanyeizithuthuthukwaye iya kufuna okoUhlobo lwe-inshurensi. Kubalulekile ukuba uyazi eyakhoibhayisekile yombaneIklasi kwaye ichaze ngokuchanekileyo xa ufunaI-COCTE I-Inshurensi ye-e-BikeUkuqinisekisa ukuba ufumana kufanelekileukugubungelakwaye umgaqo-nkqubo wakho usemthethweni. Ukuchasa kakubii-e-bikeiklasi inokukhokelela kwibango lokukhaba.

Zeziphi izinto eziphembelela indleko zokucaphula i-inshurensi ye-e-Bike?

Xa uFumana isicatshulwakubaI-inshurensi ye-e-Bike, aliqelaIzinto ekufuneka ziqwalaselweiya kumisela ipremiyamu yakho. I-inshurensi ivavanya umngcipheko ngokusekwe kwizinto ezahlukeneyo ezinxulumene neibhayisekile, umkhweli, kunye neukugubungelaiceliwe. Ukuqonda ezi zinto kunokukunceda ulindele iindleko kwaye unokufumana iindlela zokusindisa.

Izinto eziphambili ziyithangaza yakhoI-inshurensi ye-e-BikeIindleko zibandakanya:

1. Ixabiso le-e-Bike:Le yeyona nto ibalulekileyo. Ixabiso lokuthenga okanye indleko zokutshintsha kwakhoibhayisekile yombane, eyona nto ibiza kakhulu kuya kubainshurensi, ngakumbi ukuba banzi kwaye bangqubanaukugubungela. Igcina i-5,000 yeedolai-e-bikeiya kubiza ngaphezulu kokunyanzelisa i-1,500 ye-tsoruteri-e-bike.
2. Iklasi ye-e-bike kunye nesantya:Njengoko kuxoxiwe,Iklasi 3 e-bikes(ixhomekeke kuI-28 mph) Unokuyalela iipremiyamu eziphakamileyo kuneIklasi 1okanyeIklasi 2(ixhomekeke kuI-20 mph) Ngenxa yesantya esiphezulu sesantya kunye nomngcipheko onxulumene noko.
3. Indawo yakho:Iarhente ye-inshurensi iyahluka kakhulu kwindawo yendawo. Iindawo ezisezidolophini ezinobunzima obuphezulu bezitrafikhi kunye namaxabiso obusela zihlala zineepremiyamu eziphakamileyo kunezimandla ezisemaphandleni. Imigaqo yesizwe inokudlala indima.
4. Ukusetyenziswa:Uyisebenzisa njani eyakhoibhayisekile yombaneizinto. Ukuyisebenzisa ukuze ufumane iinjongo zemihla ngemihla okanye iinjongo zentengiso (njengokuhanjiswa kwenkonzo) ngokubanzi kubandakanya umngcipheko omkhulu kunokusebenzisa ngamanye amaxesha kwaye kunokukhokelela kwiipremiyamu eziphezulu.
5. Ukugubungela umda:Ukukhetha imida ephezulu yokuxanduva, iintlawulo zonyango, okanye umqhubi wenqwelo moyaukugubungelaIya kunyusa i-Premiyamu yakho, nangona imida yetyala eliphezulu ihlala icetyiswa ukuba ikhuseleke ngakumbi.
6. Ixabiso eliphantsi:Ukukhetha ngaphezuluukuthambisa.
7. Imbali ye-Ride:Irekhodi lakho lokuqhuba (ukuba liyasebenza) kwaye imbali yebango ngamanye amaxesha ingaphembelela amaxabiso. Imbali yeengozi okanye amabango anokukhokelela kwiipremiyamu eziphezulu.
8. Amanyathelo okhuseleko:Ezinye ii-inshurensi zibonelela ngezaphulelo ukuba usebenzisa izitshixo ezivunyiweyo, gcina yakhoi-e-bikeIkhuselekile
9. Umnikezeli weinshurensi:Iinkampani ezahlukeneyo zinemilinganiselo ye-algorithms eyahlukileyo kunye neemarike ezijolise kuzo. Ihlawula ukuthenga ngeenxa zonke kwaye ithelekise iikowuteshini ezivela kuzo ezikhethekileyoI-inshurensi ye-e-BikeAbaboneleli.

Ngokuqonda eziIzinto ekufuneka ziqwalaselwe, unokufumana incoko enolwazi ngakumbi xa ufunainshurensiakhoibhayisekile yombanenokwenza ukhetho malungaukugubungelaAmanqanaba kunye nokuncitshiswa kwezinto ezilungele uhlahlo-lwabiwo mali ngelixa ibonelela ngokhuseleko olwaneleyo.

Ndingakwazi ukongeza i-e-bike yam kumgaqo-nkqubo wam wasekhaya okanye umgaqo-nkqubo we-renter?

Ngelixa abanyei-e-bikeAbanini banethemba lokuzongeza kwakhonaibhayisekile yombanekwizinto zazo ezikhoyoUmnini khayaokanyei-renterUmgaqo-nkqubo ngokusebenzisa ukuqinisekiswa okanye umkhweli, olu khetho luhlala lunqunyelwe okanye alonelanga, ngakumbi ukuba lixabiseke ngakumbi okanye linamandlaIibhayisikile. Ingaba oku kunokwenzeka kuxhomekeka kakhulu kwinkampani yeinshurensi ethile kunye nohlobo lweibhayisekile yombanengokwakho.

EzinyeAbanikezeli beinshurensiinokuvumela ukuba "ucwangcise" yakhoi-e-bikenjengento exabisekileyo yakhoAbanini bamakhaya okanye i-inshurensi ye-rens. Oku kubandakanya ukubonelela ngeenkcukacha malungai-e-bike(Yenza, imodeli, inombolo ye-serial, ixabiso) kwaye ihlawule iprimiyamu eyongezelelweyo. Ukucwangciswa kowoyisela imilinganiselo esemgangathweni yepropathi yomntu, ukuqinisekisa ukuba ufumane ixabiso elipheleleyo-kwii-e-bikeiibiwe okanye yonakalisiwenge-perlin egutyungelwe (njengomlilo okanye ubusela ekhaya). Nangona kunjalo, le ndlela isexeshana ihla ifihlile:

• I-PERLS:Ukucwangciswa kunokugubungela umngcipheko othile kuphela odweliswe kwiUmnini khayaUMGAQO-NKQUBOUkungqubana neemotookanye izinto) okanye ubusela kuyenzeka kude nekhaya.
• Ukukhutshwa kwemoto ukuqhubeka:Ukukhutshwa komgaqo-nkquboIzithuthi ezineemotoIsenokufaka isicelo kwityala. Nokubai-e-bikeIxabiso eligutyungelweyo, ngekhe ungenalo ukhuseleko lwengcinezelo ukuba ubangela ingozi ngelixa uqhuba. Oku kuhlala kuyinto ebaluleke kakhuluI-jap yokugubungela.
• Izithintelo zokufaneleka:I-inshurensi zihlala zingafuni ukucwangciswa kwexabiso eliphezuluIibhayisikile, Iklasi 2 (thambisaixhotywe), okanyeIklasi 3 e-bikes(Izantya ngokukhawuleza) kumgaqo-nkqubo wekhaya. BasenokuphelaNikeza ukugubungelayexabiso eliphantsiIklasi 1Iimodeli. Umzekelo, banokugubungela enye esisisekoibhayisekile yombanekodwa uyalagubungela i-e-bikesUkuba unayoIi-e-bikesokanye uzisebenzele ngokwakho.

Ke ngoko, ngelixa uyongeza ukuqinisekiswa kukuthi kwenzeka i-theotily kwezinye iimeko ezinqongopheleyo, kunqabile ukubonelelaUkugubungela ngokubanzi(kubandakanya ukungqubana kwaye kubaluleke kakhulu, uxanduva) onikezelweIpolisi yeinshurensi ye-e-Bikeinikezela. Ikhuselekile ngokubanzi kwaye ithembeke ngakumbi ekufumaneniUmgaqo-nkqubo we-e-BikeYenzelwe okukhethekileyo kumngcipheko wokukhwela kunye nokukhwela iibhayisekile yombane. Soloko uqinisekisa ngokuthe ngqo kunye neyakhoUmnini khayaIarhente ye-inshurensi ngaphambi kokuba ithathe isiqinisekiso sibonelela ngokhuseleko olwaneleyo.

Izithuthi eziphezulu ezingaphezulu kweI-Ev5 yeTriko yabakhweli boMbaneBeka imfuno yenkxaso yoxanduva lwetyala elifunyenwe kwimigaqo-nkqubo ye-e-bisi ende.

Ndikhetha njani uMgaqo-nkqubo weinshurensi ye-e-Bike ye-e-Bike ye-e-Bike kwiintswelo zam?

Ukukhetha iUmgaqo-nkqubo olungileyokubandakanya okungaphezulu kokufumana inketho yexabiso eliphantsi. Ifuna ukuvavanya iimfuno zakho ezithile, ukuqonda iUkhetho lokukhetha, kunye nokuthelekisa izibonelelo zokungahoyiAbanikezeli beinshurensiUkuzifaka kwiI-inshurensi ye-e-Bike. Nantsi indlela yenyathelo lenyathelo lenyathelo:

1. Vavanya iimfuno zakho:

   • Ixabiso le-e-Bike:Yazi iindleko zokutshintshaibhayisekile yombanekunye nazo naziphi na izinto.
   • Ukusetyenziswa:Rhoqo kwaye uphi khwela phi? (Ukuhamba, ukuzonwabisa, ukuhambisa?)
   • Ukunyamezelana komngcipheko:Ngaba ulungele kangakanani umngcipheko wezemali? (Lempembelelo yakhoukuthambisaukhetho).
   • Inkxalabo yetyala:Cinga ngeeasethi zakho kunye neendleko ezinokubakho zemithetho kwindawo yakho. Imida ephezulu yokungabinakho ukubonelela ngokhuseleko ngakumbi.
   • Iklasi ye-E-Bike:Yazi yakhoi-e-bikeUkwahlulahlula (Iklasi 1, Iklasi 2, okanyeIklasi 3) Njengoko oku kuchaphazela ukufaneleka kunye namaxabiso.

2. QAPHELA IINDLELA ZOKUFUNDA:Phonononga iziko eliqhelekileyo (ukungqubana okukhulu, ukungqubana, ukuphikisana, iintlawulo zonyango, umqhubi wenqwelo moya) kwaye uthathe isigqibo sokuba zeziphi ezifunekayo kuwe.Ukuhlawulwa kwetyalaNokhuseleko ngokuchasene nobusela / umonakalo (ukungqubana / ukungqubana) zihlala ziphambili.

3. Thenga ujikeleze kwaye uthelekise izicatshulwa:Sukuhlala kwikopi yokuqala oyifumanayo. Fumana iikowuti ezivela kwi-inshurensi ezininzi ezikhethekileyoibhayisekilekwayeI-inshurensi ye-e-Bike. Thelekisa ixabiso nje kodwa:

   • Ukugubungela umda:Ukuqinisekisa imida enikezelweyo anele, ngakumbi kuxanduva.
   • I-DURTECTS:Qonda ukuba uza kuhlawula malini-ipokotho yelo.
   • I-Exrifdions:Funda ipripthi entle. Zeziphi iimeko okanye iintlobo zomonakalohayiigutyungelwe? Ngaba zikhona izithintelo zendawo?
   • Indlela yokuxabisa:Ngaba umgaqo-nkqubo uhlawula ixabiso lokwenyani Ixabiso lokuvunywa kwexabiso / indleko zokutshintshwa ngokubanzi lingconoIibhayisikile.
   • Uphononongo lwenkonzo yabathengi:Jonga uphononongo lwenkqubo yamabango enkampani yeinshurensi kunye negama lenkonzo yabathengi.

4. Buza imibuzo:Ungathandabuzi ukuqhagamshelana neAbanikezeli beinshurensingqo ukuba unemibuzo malunga nezoIpolisi yeinshurensi ye-e-BikeIinkcukacha. Cacisa nantoni na ongayiqondiyo ngaphambi kokuthenga. Umzekelo, qinisekisa indlela abaphatha ngayo amabango eenxalenye okanye kwizixhobo.

5. Cinga ukuqhula (ukuba kuyasebenza):Ezinye iinkampaniinshurensi izithuthuthuOkanye ezinye izithuthi zokuzonwabisa zinokubonelela ngezaphulelo ukuba uyayifakaI-inshurensi ye-e-Bikeneminye imigaqo-nkqubo.

Ngokuthatha la manyathelo, unokufumana iI-inshurensi ye-e-BikeIsicwangciso esibonelela ngemali eseleyo yeukugubungelakunye neendleko, ukuvumela ukuba ukhwele wakhoibhayisekile yombanengokuzithemba kwayeIxhala, ukwazi ukuba ukhuselekile kwimicimbi engalindelekanga.I-inshurensi inokubaibonakala ngathi inkcitho eyongezelelweyo, kodwa yexabiso elixabisekileyo elinjengeibhayisekile yombane, lutyalo-mali olufanelekileyo kutyalo lwezokhuseleko kwayeuxolo lwengqondo.

Izithuthi ezikhethekileyo, njengeeyunithi zefriji, zinokufuna ukuqinisekisa iPolisi ye-Inshurensi igubungela izixhobo ezithile kwaye zisetyenziselwe ityala.

Iindlela eziphambili ze-Inshurensi yeBike yeBike:

• Imfuno esemthethweni:Ngokubanzi hayiifuneka ngokusemthethwenikubaIklasi 1, Iklasi 2, okanyeIklasi 3 e-bikesKwi-US ezininzi i-US, kodwa jonga imithetho yendawo.
• Umninimzi / ukunqongophala kwendlu:Imigaqo-nkqubo esemgangathweni ihlala ibonelela ngokwaneleyoukugubungelangenxa yemida yexabiso,Izithuthi ezineemotoI-Esserdions, kunye nezithuba zetyala. Sukucinga ukuba ugutyungelwe.
• I-inshurensi ye-E-Bike ye-E-Bike:Inikezela ngowona mkhuselo obanzi, ukugubungela ubusela, ukonakala (ukungqubana / ukungqubana), okubaluleke kakhuluUkuhlawulwa kwetyala, iintlawulo zonyango, kunye nokukhusela okunokwenzeka.
• Imicimbi yecandelo:Iklasi yakhoibhayisekile yombane (Iklasi 1, 2, okanye3) Impembelelo yokufaneleka kweinshurensi kunye neendleko.IibhayisikileUkugqitha kwezi klasi kuya kufunekaisithuthuthuokanye i-inshurensi ye-inshurensi.
• Izihloko eziphambili:Ibeka phambiliUkuhlawulwa kwetyalakunye nokungqubana okukhulu kunye nokungqubana ukukhusela ukuthengisa kunye nomonakalo / ubusela bei-e-bikengokwayo.
• Izinto zexabiso:Ixabiso, indawo, ukusetyenziswa,i-e-bikeIklasi, ukudibanisa umda, kunye nokhetho olunokwenziwa lube neepremiyamu.
• Thenga:Thelekisa iikowuti ezivela kwikhethekileyoAbaboneleli nge-Inshurensi ye-E-Bikeukufumana okona kulungileyoukugubungelakunye nexabiso leemfuno zakho.
• Uxolo lwengqondo:Ukutyala imaliI-inshurensi ye-e-Bikeibonelela ngokhuseleko lwezemali kwaye ikuvumela ukuba uyonwabeleibhayisekile yombane Ixhala.

Khusela utyalomali lwakho kunye nawe. Vavanya iimfuno zakho, phonononga akhoUkhetho lokukhetha, kwaye ikhusele iUmgaqo-nkqubo olungileyoIxabiso lakhoibhayisekile yombane.