Ngaba uyayifuna i-Inshurensi yeBhayisikile yoMbane? Ukuqonda IiMfuno Zakho Zokugubungela

Iibhayisekile zombane, okanye ii-e-bikes, ziyanda ekuthandeni ukuhamba, ukuhanjiswa, kunye nokuzonwabisa. Njengomzi-mveliso ojongene nomgangatho ophezulu I-Tricycle yempahla yombane, ibhayisekile yabakhweli boMbane, siyaluqonda utyalo-mali olumelwe zezi zithuthi. Kodwa ngobunini buza imibuzo, ngakumbi malunga nokhuseleko. Ngaba uyafuna i-inshurensi yebhayisekile? Ngaba ipolisi yakho yomninimzi iyayigubungela? Eli nqaku lingena nzulu i-inshurensi yebhayisekile yombane, echaza ukuba kutheni isoloko ibalulekile, yintoni ukhuselo iinketho zikhona, kunye nendlela yokuqinisekisa ixabiso lakho ibhayisekile yombane ikhuselwe, ikunika uxolo lwengqondo nokuba ukhwele ishishini okanye ulonwabo. Kufanelekile ukufunda ukuqonda okunokwenzeka ukhuselo izikhewu kunye nokwenza izigqibo ezizizo.

Yintoni kanye kanye iBhayisekile yoMbane (kwaye Kutheni ibalulekile kwi-Inshurensi)?

Okokuqala, makhe sicacise ukuba yintoni na ibhayisekile yombane okanye e-ibhayisekile. Ngokungafaniyo nomgangatho ibhayisekile, i e-ibhayisekile idibanisa injini yombane ukuncedisa ekuqhubeni. Nangona kunjalo, zahluke kakhulu kwi-mopeds okanye izithuthuthu. Kwiindawo ezininzi zase-US, iibhayisekile ze-elektroniki zahlulahlulwe ngokweendidi ezintathu, ikakhulu ezisekwe kumandla emoto, isantya esiphezulu sokuncediswa, nokuba banayo na umqala:

• Iklasi 1: I-Pedal-assist kuphela (i-motor ibandakanyeka kuphela xa i-pedaling), kunye nesantya esiphezulu esincediswayo 20 mph.
• Iklasi 2: Incediswa yi-Throttle (imoto inokuqhubela phambili i ibhayisekile ngaphandle kwe-pedaling), kunye nesantya esiphezulu esincedisiweyo se 20 mph.
• Iklasi 3: I-Pedal-assist kuphela, kodwa ngesantya esiphezulu esincedwayo se 28 mph. Ezi rhoqo funa ilayisenisi kwezinye iindawo, imigca emfiliba kancinane enamandla ngakumbi iimoto ezihamba ngemoto.

Ukuqonda olu kuhlelwa kubalulekile kuba iinkampani ze-inshurensi kunye nemimiselo karhulumente zihlala ziziphatha ngokwahlukileyo ezi klasi. An ibhayisekile yombane ewela ngaphandle kwezi nkcazelo (umzekelo, enenjini engaphezulu kwe-750W okanye ekwaziyo ukuba nezantya eziphezulu) ingahlelwa njengemoped okanye isithuthuthu, okubangela iimfuneko ezahlukeneyo ze-inshorensi kunye nokufuna ukubhaliswa kunye nelayisensi. Ukwazi kwakho e-ibhayisekileIklasi inceda ukufumanisa ukuba ikhona iipolisi ze-inshorensi inokunikela ngayo nayiphi na ukhuselo okanye ukuba ngokuqinisekileyo kufuneka i-inshurensi eyenzelwe ngokukodwa iibhayisekile ze-elektroniki.

Umzekelo womelele Impahla yombane i-tricycle HJ20 – i-asethi yexabiso apho ukhuseleko oluthile lwe-inshorensi lukhuthazwa kakhulu.

Umahluko phakathi kwe ibhayisekile yombane kunye nezinye iimoto ezihamba ngemoto ibalulekile kwiinjongo ze-inshorensi. Umgangatho i-inshurensi yebhayisekile isenokungagqumi iibhayisekile ze-elektroniki ngenxa yemoto, ngelixa isithuthuthu I-inshurensi ayiyomfuneko kwaye ibiza kakhulu Iklasi yoku-1, Iklasi yesi-2, okanye Iklasi ye-e-bikes. Olu hlobo oluthile lwe iibhayisekile ze-elektroniki yenza imeko ye-inshurensi eyodwa. Njengoko a umkhweli webhayisikile ukutyala imali kwi ibhayisekile yombane, ingakumbi iimodeli zexabiso eliphezulu ezifana nemithwalo yombane okanye iitrayisekile zabakhweli, ukuqonda olu hlelo linyathelo lokuqala lokuqinisekisa ukhuseleko olululo.

Ngaba ufuna i-Inshurensi ngokusemthethweni ukuze ukhwele ibhayisekile ye-E e-USA?

Lo ngumbuzo oqhelekileyo, kwaye impendulo emfutshane ithi: ngokuqhelekileyo akunjalo, kodwa kuxhomekeke. Okwangoku, akukho zigunyaziso zomthetho we-federal i-inshurensi yebhayisekile eUnited States. Ngaphaya koko, uninzi lwamazwe alucacisi ifuna i-inshurensi ye-e-bike ngenxa Iklasi yoku-1, Iklasi yesi-2, okanye ngamanye amaxesha Iklasi ye-e-bikes, ebaphatha ngendlela efanayo neyesintu iibhayisekile. Ngokuqhelekileyo awukwenzi kufuneka i-inshurensi yokukhwela i e-ibhayisekile kwiindlela zikawonke-wonke okanye iindlela zebhayisekile ngokwembono yomthetho kuphela, ngaphandle kwakho ibhayisekile yombane ingena ngaphakathi kweendidi ezichaziweyo.

Nangona kunjalo, i-landscape iyatshintsha. Ezinye izixeko okanye iingingqi ezithile zinokuzisa imimiselo yendawo. Kuhlala kububulumko ukuba khangela indawo yakho imimiselo yokuqinisekisa wena abaphuli nayiphi na imithetho. Kwakhona, ukuba i ibhayisekile yombane yogqitha amandla okanye imida yesantya echaza iindidi ezintathu ezisemgangathweni, inokuphinda ihlelwe njengemoped okanye enye imoto, ethi ingaba kunokwenzeka ukuba wenze i-inshurensi efunwa ngumthetho, kunye nokubhaliswa kwaye mhlawumbi nelayisensi yokuqhuba.

Nokuba akugunyaziswanga ngokusemthethweni, ukukhwela ngaphandle kwe-inshurensi ibeka umngcipheko omkhulu wemali. Ukuba ubangele ingozi ekhokelela kumonzakalo okanye umonakalo wepropathi, unokuthweswa uxanduva lwakho iindleko zonyango, ukulungiswa, kunye neentlawulo zomthetho. Ixabiso le iibhayisekile ze-elektroniki ngokwabo, ehlala ebaleka kumawaka eedola, ikwamele i-asethi enkulu esemngciphekweni wobusela okanye umonakalo. Ngoko, ngelixa ungeke ngokusemthethweni kufuneka i-inshurensi ngokomgangatho wakho ibhayisekile yombane, ukufumana ukhuselo ngumlinganiselo ocetyiswa kakhulu wokhuseleko lwemali kunye uxolo lwengqondo. Yicinge kancinci njengomqobo osemthethweni kwaye ngakumbi njengenetha yokhuseleko olulumkileyo.

Ngaba abaninimzi bam okanye i-inshorensi yabaqeshi bazokuKhava ii-E-bikes ngokufanelekileyo?

Abaninzi e-ibhayisekile abanini bacingela ubukho babo i-inshurensi yabaninimzi okanye abaqeshisi okanye i-inshurensi yabaninimzi Iipolisi ziya kuzigquma ngokuzenzekelayo uhambo lwabo olutsha. Ngelishwa, oku kaninzi hayi ityala, okanye i ukhuselo obonelelweyo ulinganiselwe kakhulu. Ngelixa le migaqo-nkqubo ibandakanya ipropathi yomntu, kubandakanya umgangatho iibhayisekile, iibhayisekile ze-elektroniki zinzima izinto ngenxa yemoto yazo kunye nexabiso eliphezulu.

Imiba emininzi enokuthi ivele xa uthembele kuphela umninimzi okanye umqeshisi iipolisi ze i-e-bike coverage:

1. Ixabiso leMida: Iipolisi ze-inshorensi zasekhaya zihlala zinemiqathango engaphantsi kwezinto ezithile zexabiso eliphezulu. Umgangatho ibhayisekile zingawela phantsi kwalo mda, kodwa ezininzi iibhayisekile ze-elektroniki, ngokukodwa i-premium cargo okanye imodeli yabagibeli, inokudlula ngokulula imida eqhelekileyo (umzekelo, i-$ 1,000-$ 2,500). Ukuba eyakho e-ibhayisekile yi ibiwe okanye yonakele, ungafumana kuphela iqhezu lexabiso layo.
2. Okungabandakanywanga kwiMotoli: Abaninzi abaninimzi kunye nabarentayo imigaqo-nkqubo ayibandakanyi ngokukodwa ukhuselo lwe iimoto ezihamba ngemoto. Ngelixa iibhayisekile ze-elektroniki bahlala bekwindawo engwevu, abanye abarhwebi bayahlela nayiphi na isithuthi esinemoto phantsi kolu thintelo, enikezela ngenombolo ukhuselo kwaphela. Oku kuyinyani ngakumbi ngokukhawuleza Iklasi ye-e-bikes okanye abo bane- umqala (Iklasi yesi-2).
3. Ngaphandle kwendawo: Ukhuselo lwepropathi yobuqu lunokuncitshiswa okanye luthintelwe xa into ingekho kwikhaya lakho. Ukuba eyakho ibhayisekile yombane ibiwe ngelixa ipakishwe ngaphandle kwevenkile okanye yonakele kwingozi yeemayile kude, yakho i-inshurensi yekhaya inokunikela kancinci ukhuselo kunokuba kwenzeke kwipropati yakho.
4. Izikhewu zokuFikelela kwiTyala: Mhlawumbi eyona nto ixhalabisayo lityala. I-inshurensi yabaninimzi ibonelela ngokhuseleko lobutyala ukuba wenzakalisa umntu okanye wonakalise impahla yakhe. Nangona kunjalo, oku ukhuselo amaxesha amaninzi azibandakanyi iziganeko ezibandakanya iimoto ezihamba ngemoto. Ukuba ubangela ingozi ngelixa ukhwele yakho e-ibhayisekile, ipolisi yakho yekhaya inokulikhanyela ibango letyala, ikushiye unoxanduva lweendleko ezinokuthi zibe nkulu. Oku kubalulekile umsantsa wokugubungela.

Ngoxa abanye umninimzi Iipolisi zinokubonelela ngomda ukhuselo, ngakumbi kumandla aphantsi Iklasi ye-e-bikes isetyenziselwa ukuzihlaziya kuphela, ukuthembela kuko kuyingozi. Kubalulekile ukufunda amaxwebhu akho epolisi ngononophelo kwaye uthethe ngokuthe ngqo nomboneleli wakho we-inshurensi ukuze uqonde ngokuchanekileyo ukuba yintoni na i-inshorensi banikezela ngokweenkcukacha zakho ibhayisekile yombane. Musa ukucinga ukuba ukhuselwe; qinisekisa iinkcukacha ukuze uphephe izinto ezothusayo ezinexabiso eliphezulu.

Iimodeli zabakhweli ezifana ne I-EV31 Ibhayisekile yabakhweli yoMbane thwala ingqwalaselo yoxanduva olulodwa oluqwalaselwa ngcono yi-inshurensi ye-e-bike ethile.

Kutheni i-Inshurensi yebhayisekile ye-E isoloko iyimfuneko? (Ukulungisa umsantsa wokuFikelela)

Kunikwe imida yomgangatho i-inshurensi yabaninimzi okanye yabaqeshi, ezinikezelweyo i-inshurensi yebhayisekile ivela njengesona sisombululo sithembekileyo sokhuseleko olubanzi. Ezi ezizodwa iipolisi ze-inshorensi ziyilelwe ngokukodwa imingcipheko eyodwa eyayanyaniswa nokuba kunye nokusebenza ibhayisekile yombane. Bona ngempumelelo ibhulorho umsantsa wokugubungela ishiywe yimigaqo-nkqubo yemveli.

A umgaqo-nkqubo we-e-bike eyahlukileyo ilungiselelwe iinyani zokusebenzisa i ibhayisekile yombane. Iyayiqonda loo nto iibhayisekile ze-elektroniki zii-asethi ezixabisekileyo ezisoloko zisetyenziswa kwizithuthi kunye neendawo zikawonke-wonke, ziveza abakhweli kwiingozi ezingaphaya kobusela obuvela egaraji. Ngokungafaniyo umninimzi imigaqo-nkqubo enokubonelela ngokuthintelwa ukhuselo, i-inshurensi yebhayisekile ibonelela ngokhuseleko olubanzi, kuquka:

• Ukhuseleko lobusela: Igubungela ixabiso elipheleleyo lakho e-ibhayisekile ukuba ibiwe, nokuba kusekhaya okanye ngelixa uvalelwe kwenye indawo.
• Ukhuselo lomonakalo: Uhlawulela ukulungiswa okanye ukutshintshwa ukuba wakho e-ibhayisekile yonakele kwingozi (ukungqubana), ukonakaliswa kwempahla, umlilo, okanye ezinye iingozi ezigqunyiweyo.
• uKhuseleko lweTyala: Oku kubalulekile. Ukuba unempazamo kwingozi kwaye wenzakalise umntu okanye wonakalise impahla yakhe ngelixa ukhwele yakho ibhayisekile yombane, oku ukhuselo ijongana neendleko ezinxulumeneyo, imirhumo yezomthetho, kunye nokuhlaliswa, ukuya kuthi ga kwimida yepolisi. Oku kuhlala kukhutshelwa ngaphandle okanye kuthintelwe yi i-inshurensi yekhaya.
• Iintlawulo zonyango: Inceda ekuhlawuleni amatyala akho onyango ukuba wonzakele e-ibhayisekile ingozi, kungakhathaliseki impazamo.

Ngaphaya koko, ukuthembela kwibango lomnini-ndlu kwi- e-ibhayisekile Isehlo (ukuba sigutyungelwe kwaphela) sinokubakho ukwandisa iireyithi zakho ngokuhamba kwexesha kwipolisi yakho yonke yasekhaya. Ozinikeleyo ipolisi ye-inshurensi yebhayisekile ibeka lodwa le mingcipheko. Imigaqo-nkqubo iyaqala ngamaxabiso afanelekileyo enyanga ahlala ekwenza oku okukhethekileyo ukhuselo utyalo-mali olufikelelekayo, ngakumbi kuqwalaselwa iindleko ezinokubakho zengozi okanye ubusela ngaphandle kwe-inshurensi. Iqinisekisa iimfuno zakho ezithile njenge ibhayisekile yombane abakhweli bayahlangatyezwa, benikela uxolo lwengqondo ukuba imigaqo-nkqubo esemgangathweni ayinakuqinisekisa. Kuba nabani na osebenzisa i ibhayisekile yombane rhoqo, ngakumbi xa uhamba okanye ishishini elifana nokusebenza Ibhayisekile yabakhweli yombane (iKhozi laseAfrika K05), eyahlukileyo i-inshurensi yebhayisekile isicwangciso sikholisa ukuba lolona khetho lukrelekrele.

Ziziphi iiNzuzo eziPhambili ze-Inshurensi yebhayisekile ye-E?

Utyalo-mali kwi i-inshurensi yebhayisekile inikeza iingenelo ezininzi ezibalulekileyo ngaphaya kokuzalisekisa nje okunokwenzeka (nangona kunqabile) imfuneko yomthetho. Kubanikazi abafana noMark Thompson, abaxabisa ukusebenza okuthembekileyo kunye nokukhuselwa kwempahla yabo yeenqwelo, ukuqonda oku iinzuzo ze-inshurensi ye-e-bike ngundoqo.

• Ukhuseleko lwezeMali kuBusela kunye noLonakaliso: Iibhayisekile ze-E zinomtsalane kumasela kwaye zinokubiza ukuzilungisa okanye ukuzitshintsha xa zonakele. I-inshurensi ye-E-bike inikeza ukhuselo kutyalo-mali lwakho ukuba wakho ibhayisekile yombane yi ibiwe okanye yonakele ngenxa yeengozi, ukonakalisa, umlilo, okanye ezinye iziganeko ezigutyungelweyo. Oku kuthintela ilahleko ebalulekileyo ephuma epokothweni.
• Ubonelelo lweTyala oluBalulekileyo: Ngokungathandabuzekiyo le yeyona nzuzo ibalulekileyo. Ukuba wenzakalisa umntu ngempazamo okanye wonakalise ipropathi ngelixa ukhwele eyakho e-ibhayisekile, uxanduva ukhuselo ikukhusela kwiziphumo zemali ezinokuba yingozi. Igubungela imirhumo esemthethweni, ukuhlaliswa kwentlawulo, nezigwebo, ezinokufikelela ngokulula kumashumi okanye kumakhulu amawaka eedola. Umgangatho i-inshurensi yabaninimzi rhoqo ayibandakanyi oku iimoto ezihamba ngemoto, ukwenza i-inshurensi yebhayisekile kubalulekile.
• Ukhuseleko lweendleko zonyango: Iingozi zenzeka. I-inshurensi ye-E-bike Iipolisi zihlala zibandakanya iintlawulo zonyango ukhuselo, ekunceda ukuhlawula ukonzakala kwakho okugcinwe ngelixa ukhwele ibhayisekile yombane, kungakhathaliseki ukuba ngubani owayenempazamo. Oku kunokuncedisa i-inshurensi yempilo yakho okanye iindleko zokuhlawulela ukuba uphezulu iyatsalwa.
• Ukukhuselwa ngokuchasene nabaqhubi beeMoto abangaKhuselwanga/abaNgaphantsi kwe-inshurensi: Kuthekani ukuba ubethwe ngumqhubi ongenayo i-inshurensi okanye ngokwaneleyo ukhuselo ukuhlawula ukwenzakala kwakho okanye e-ibhayisekile umonakalo? Abanye iipolisi ze-inshurensi yebhayisekile nikeza oku ukhuselo, ungene ukuze uhlawule ilahleko yakho.
• Uxolo lwengqondo: Ukwazi ukuba unolwazi olupheleleyo ukhuselo ikuvumela ukuba ukonwabele ukukhwela kwakho ibhayisekile yombane ngaphandle kokukhathazeka rhoqo. Nokuba uyahamba, uhambisa iimpahla nge Impahla yombane i-tricycle HJ10, okanye ukonwabela nje ukuzonwabisa umjikelo, i-inshurensi inika uxolo lwengqondo. Ngamanye amaxesha izinto zenzeka ngaphandle yolawulo lwethu, kwaye kunjalo kumnandi ukuba noxolo ye ingqondo kwabo serious ngakumbi iziganeko.
• Izongezo oziKhethekileyo: Abaninzi i-inshurensi yebhayisekile ababoneleli banikezela okongeziweyo njengoncedo lwendlela, ukhuseleko lokuhamba (ukugubungela umonakalo ngexesha lokuthutha), kunye ukhuselo ukwenzela izincedisi kunye neendawo ezisecaleni.

Ngokwenene, i-inshurensi yebhayisekile isebenza njengenethi yokhuseleko lwezemali, ikhusela utyalo-mali lwakho, i-asethi yakho, kunye nentlalontle yakho kwiingozi ezingalindelekanga ezinxulumene nokukhwela. Kuyo nayiphi na enzulu umkhweli webhayisikile usebenzisa i ibhayisekile yombane, iingenelo zizodlula lee iindleko.

Loluphi uKhetho lwe-Inshurensi ye-E-bike olubonelela ngesiqhelo?

Xa uthatha isigqibo i-inshurensi yakho ibhayisekile yombane, uya kufumana ezininzi iinketho zokugubungela ekhoyo, ikuvumela ukuba ulungelelanise umgaqo-nkqubo ngokweemfuno zakho ezithile kunye nohlahlo lwabiwo-mali. Ukuqonda la macandelo kukunceda ukwakha umgaqo-nkqubo ochanekileyo. Nantsi ukwahlukana okufanayo i-inshorensi iintlobo ezinikezelwa kwi ipolisi ye-inshurensi yebhayisekile:

• Ingxelo eBanzi: Oku kubandakanya ilahleko yomzimba okanye umonakalo wakho e-ibhayisekile ukusuka kwiziganeko ngaphandle ukungqubana. Oku kuquka ubusela, ukonakalisa, umlilo, ukuwa kwezinto, kunye neziganeko ezinxulumene nemozulu. Ukuba eyakho ibhayisekile yombane yi yonakele okanye ibiwe, oku ukhuselo inceda ukuhlawulela ukulungiswa okanye ukutshintshwa, ngokuqhelekileyo emva kokuba uhlawule yakho iyatsalwa.
• Ukungqubana: Oku kuhlawula umonakalo wakho e-ibhayisekile okubangelwa kukungqubana nenye into, nokuba sesinye isithuthi, into emileyo njengepali, okanye nokuntlitheka nje ibhayisekile ngokwayo. Oku kubalulekile ekuhlawuleni iindleko zokulungisa emva kwengozi.
• Ukhuseleko lweTyala (Ukwenzakala komzimba kunye nokonakala kwePropati): Olu lukhuseleko oluyimfuneko. Ukuba ufunyanwe unoxanduva olusemthethweni lwengozi ebangela ukwenzakala komnye umntu (ukulimala komzimba) okanye ukonakalisa impahla yakhe (Umonakalo weProperty) ngelixa ukhwele ibhayisekile yombane, oku ukhuselo uhlawulela ezo ndleko, kubandakanywa iindleko zokhuseleko lwasemthethweni, ukuya kutsho kumda wepolisi yakho.
• Ukhuseleko lweeNtlawulo zonyango: Oku kunceda ukugubungela eyakho (kwaye ngamanye amaxesha umkhweli wakho) isengqiqweni kwaye iyimfuneko iindleko zonyango iziphumo kwi e-ibhayisekile ingozi, nokuba ngubani onempazamo. Oku kunokubandakanya ukukhwela i-ambulensi, ukutyelela esibhedlele, kunye nemali kagqirha.
• Ukhuseleko lweeMoto ezingafakwanga kwi-inshurensi/Ngaphantsi kwe-inshurensi: Ikhusela ukuba ubethwe ngumqhubi ongenayo i-inshurensi yemoto (engafakwanga i-inshurensi) okanye i-inshurensi enganelanga (ingaphantsi kwe-inshorensi) yokuhlawula umonakalo wakho (ukulimala kunye nokunokwenzeka e-ibhayisekile umonakalo). Eyakho ipolisi ye-inshurensi yebhayisekile ingangenelela ukuvala intsilelo.
• Uncedo lwendlela: Abanye ababoneleli be-inshorensi nika olu songezo, olunokubonelela ngoncedo ukuba wakho e-ibhayisekile idiliza, njengokuthuthwa kwakho kunye neyakho ibhayisekile kwivenkile yokulungisa ekufutshane.
• Ufikelelo lwezincedisi: Oku kuhlala kubandakanywa okanye kufumaneka njenge-add-on, oku kugquma izincedisi ezincanyathiselwe ngokusisigxina njengeerack, izixhobo zeGPS, okanye izihlalo ezilungiselelwe ukuba zonakele okanye zibiwe kunye neyakho. e-ibhayisekile.

IMida ye-Inshorensi kunye ne-Deductibles

Xa ukhetha iinketho zokugubungela, qwalasela ukuxabiseka kwakho ibhayisekile yombane, apho ukhwela khona, kangaphi ukhwela, kunye nemeko yakho yezemali. Imida yoxanduva oluphezulu iyacetyiswa ngokubanzi ngenxa yeendleko eziphezulu zamatyala anokubakho.

Iimodeli ezahlukeneyo ze-e-bike njenge Isayisekile yabakhweli bombane i-K04 inokuba neemfuno neendleko ze-inshorensi ezahlukeneyo.

Ingaba i-E-bike Classification (iKlasi 1, 2, 3) iyichaphazela njani imigaqo-nkqubo ye-Inshurensi?

Ukuhlelwa kwakho ibhayisekile yombane – Iklasi yoku-1, Iklasi yesi-2, okanye Iklasi yesi-3 -inokuba nefuthe elibonakalayo iipolisi ze-inshorensi, zombini ngokwemiqathango yokufaneleka kunye neendleko. Ababoneleli be-inshurensi zihlala zisebenzise ezi klasi ukuvavanya umngcipheko, njengoko zihambelana ngqo ne e-ibhayisekileUbunakho besantya kunye nendlela yokusebenza (i-pedal-assist vs. umqala).

Iklasi ye-e-bikes (i-pedal-aid, max 20 mph) zijongwa ngokubanzi njengowona mngcipheko uphantsi. Bahlala benelona xesha lilula ukulifumana ukhuselo, kwaye iipremiyamu zinokuba ngaphantsi kancinane. Abanye umninimzi imigaqo-nkqubo amandla zibonelela ngokhuseleko olunyiniweyo kwezi, nangona ukuthembela koko akukacetyiswa.

Iklasi ye-e-bikes (i-throttle-assist, max 20 mph) zikwakwi-inshorensi ngokubanzi phantsi kokuthe ngqo i-inshurensi yebhayisekile imigaqo-nkqubo. Ubukho be-a umqala inokunyusa kancinane umngcipheko ocingelwayo kwabanye abarhwebi xa kuthelekiswa Iklasi yoku-1, kodwa ngokuqhelekileyo ziphathwa ngendlela efanayo. Nangona kunjalo, i umqala ukukwazi ukwenza ukuba bakhutshelwe ngaphandle ngokucacileyo i-inshurensi yabaninimzi njengoko iimoto ezihamba ngemoto.

Iklasi ye-e-bikes (i-pedal-aid, max 28 mph) bahlala bejongwa ngakumbi kwiinkampani zeinshorensi kunye nabalawuli. Ukuphakama kwabo isantya esiphezulu (ukuya kuthi ga 28 mph) kwandisa ubuzaza beengozi. Ngenxa yoko:

• Iintlawulo zanyanga le i-inshurensi yebhayisekile inokuba phezulu kwi Iklasi yesi-3 iimodeli.
• Abanye abanini-inshurensi banokuba nemithetho ethile yokubhala phantsi okanye iindlela zokufaneleka Iklasi ye-e-bikes.
• Baphantse bakhutshelwa ngaphandle kumgangatho abaninimzi kunye nabarentayo i-inshorensi ngenxa yesantya kunye nokuhlelwa kwazo.
• Qaphela ukuba isixeko sakho okanye urhulumente unokuba nemimiselo ethile Iklasi ye-e-bikes, maxa wambi zifuna izigcina-ntloko okanye zithintele ukusetyenziswa kwazo kwiindlela ezithile zokusetyenziswa kwezinto ezininzi, ezinokuphembelela ngokungangqalanga uvavanyo lwengozi ye-inshurensi.

Iibhayisekile ze-E oko kudlula Iklasi yesi-3 iinkcukacha (umzekelo, i-motor> 750W, ekwazi ukukhawuleza ngaphezulu 28 mph ngaphandle kwe-pedaling) azikhuseli inshorensi phantsi kwe umgaqo-nkqubo we-e-bike. Ezi zidla ngokubakho kuqwalaselwa izithuthi njenge mopeds okanye izithuthuthu kwaye iya kufuna loo nto ikhethekileyo uhlobo lwe-inshurensi. Kubalulekile ukwazi wena ibhayisekile yombaneiklasi kwaye uyiveze ngokuchanekileyo xa ufuna i-inshurensi ye-e-bike ecaphula ukuqinisekisa ukuba ufumana okufanelekileyo ukhuselo kwaye ipolisi yakho iyasebenza. Ukuyimela kakubi yakho e-ibhayisekile iklasi ingakhokelela ekukhanyeni ibango.

Zeziphi Izinto Eziphembelela Iindleko Zokucaphula I-Inshurensi yebhayisekile ye-E?

Xa wena fumana isicatshulwa ngenxa i-inshurensi yebhayisekile, ezininzi izinto ekufuneka ziqwalaselwe iya kumisela ipremiyamu yakho. Ii-inshorensi zivavanya umngcipheko ngokusekelwe kwizinto ezahlukeneyo ezinxulumene ne ibhayisekile, umkhweli, kunye ne ukhuselo uceliwe. Ukuqonda ezi zinto kunokukunceda uqikelele iindleko kwaye unokufumana iindlela zokonga.

Imiba ephambili enefuthe lakho i-inshurensi yebhayisekile iindleko ziquka:

1. Ixabiso le-E-bike: Oku kudla ngokuba ngoyena mba ubalulekileyo. Okukhona liphezulu ixabiso lokuthenga okanye ixabiso lokutshintsha kwakho ibhayisekile yombane, iya kuba yindleko ngakumbi i-inshurensi, ngakumbi xa kuqukunjelwa kunye nokungqubana ukhuselo. I-inshurensi yomthwalo we-5,000 yeedola e-ibhayisekile iya kubiza ngaphezulu kwe-inshurensi yomkhweli we-1,500 yeedola e-ibhayisekile.
2. Iklasi ye-E-bike kunye nesantya: Njengoko kuxoxiwe, Iklasi ye-e-bikes (ukuya kuthi ga 28 mph) inokuyalela iipremiyamu eziphezulu kune Iklasi yoku-1 okanye Iklasi yesi-2 (ukuya kuthi ga 20 mph) ngenxa yesantya esiphezulu esinokubakho kunye nomngcipheko onxulumeneyo.
3. Indawo okuyo: Amazinga e-inshurensi ahluka kakhulu ngokwejografi. Iindawo zasezidolophini ezinoxinano oluphezulu lwezithuthi kunye namazinga okubiwa akholisa ukuba nentlawulo ephezulu kuneyasemaphandleni. Imithetho karhulumente nayo inokudlala indima.
4. Ukusetyenziswa: Uyisebenzisa njani eyakho ibhayisekile yombane imiba. Ukuyisebenzisela ukuhamba yonke imihla okanye iinjongo zorhwebo (ezifana nokuhanjiswa) ngokubanzi kubandakanya umngcipheko ophezulu kunokusebenzisa ngamaxesha athile ukuzonwabisa kwaye kunokubangela iintlawulo eziphezulu.
5. Imida yokhuselo: Ukukhetha imida ephezulu yetyala, iintlawulo zonyango, okanye umqhubi wemoto ongafakwanga kwi-inshurensi ukhuselo iya kwandisa ipremiyamu yakho, nangona imida yetyala ephezulu ihlala icetyiswa ngokhuseleko olungcono.
6. Imali exhuzulwa: Ukukhetha ephezulu iyatsalwa (imali oyihlawula epokothweni phambi kokuba i-inshorensi iqalise ukwenza amabango apheleleyo okanye ongquzulwano) iya kuthoba intlawulo yakho yanyanga le, kodwa ithetha iindleko eziphezulu ukuba ufake ibango.
7. Imbali yomkhweli: Ingxelo yakho yokuqhuba (ukuba ikhona) kunye nembali yamabango ngamanye amaxesha inokuchaphazela amaxabiso. Imbali yeengozi okanye amabango inokukhokelela kwintlawulo ephezulu.
8. Amanyathelo okhuseleko: Abanye abarhwebi banikezela ngezaphulelo ukuba usebenzisa izitshixo ezivunyiweyo, gcina ezakho e-ibhayisekile ngokukhuselekileyo (umzekelo, ngaphakathi), okanye ube nezixhobo zokulwa nobusela ezifakiweyo.
9. UMboneleli we-Inshurensi: Iinkampani ezahlukeneyo zinee-algorithms zokulinganisa ezahlukeneyo kunye neemarike ekujoliswe kuzo. Kuyahlawula ukuthenga ngeenxa zonke kwaye uthelekise iikowuti ezivela kwiingcali ezininzi i-inshurensi yebhayisekile ababoneleli.

Ngokuziqonda ezi izinto ekufuneka ziqwalaselwe, unokuba nencoko enolwazi ngakumbi xa ufuna i-inshurensi yakho ibhayisekile yombane kwaye wenze ukhetho malunga ukhuselo amanqanaba kunye nokutsalwa okuhambelana nebhajethi yakho ngelixa ubonelela ngokhuseleko olwaneleyo.

Ndingayongeza i-E-bike yam kuMnikazi wam okhoyo okanye iPolisi yoMqeshi?

Ngoxa abanye e-ibhayisekile abanini banethemba lokongeza nje zabo ibhayisekile yombane kubukho babo umninimzi okanye umqeshisi Umgaqo-nkqubo usebenzisa isiqinisekiso okanye umkhweli, olu khetho luhlala lunomda okanye alunelanga, ingakumbi xa luxabiseke kakhulu okanye lunamandla iibhayisekile ze-elektroniki. Ukuba oku kunokwenzeka kuxhomekeke kakhulu kwinkampani ye-inshurensi ethile kunye nohlobo lwe ibhayisekile yombane owakho.

Abanye ababoneleli be-inshorensi inokukuvumela ukuba "ucwangcise" yakho e-ibhayisekile njengento exabisekileyo kuwe i-inshurensi yabaninimzi okanye yabaqeshi. Oku kubandakanya ukunika iinkcukacha malunga ne e-ibhayisekile (ukwenza, imodeli, inombolo yesiriyali, ixabiso) kunye nokuhlawula iprimiyamu eyongezelelweyo. Ukucwangcisa kunokuyoyisa imida esezantsi yepropathi yomntu, ukuqinisekisa ukuba ufumana ixabiso elipheleleyo ekuvunyelwene ngalo ukuba e-ibhayisekile yi ibiwe okanye yonakele ngengozi egqunyiweyo (njengomlilo okanye ubusela ekhaya). Nangona kunjalo, le ndlela isoloko isilela kancinci:

• Imingcipheko enyiniweyo: Ukucwangcisa kunokubandakanya kuphela imingcipheko ethile edweliswe kwi umninimzi umgaqo-nkqubo (umzekelo, umlilo, ubusela ekhaya) kwaye ayinakugubungela umonakalo kwiingozi (ukungqubana neemoto okanye izinto) okanye ukubiwa okwenzeka kude nekhaya.
• Ukukhutshwa kweMoto kuyaqhubeka: Ukukhutshwa komgaqo-nkqubo we iimoto ezihamba ngemoto isengasebenza kubutyala. Nokuba i e-ibhayisekileIxabiso ligutyungelwe, awuzukuba nokhuseleko lobutyala ukuba wenze ingozi ngelixa ukhwele kuyo. Oku kuhlala kuyinto ebalulekileyo umsantsa wokugubungela.
• Imiqathango yokufaneleka: Ii-inshorensi zihlala zingathandi ukucwangcisa ixabiso eliphezulu iibhayisekile ze-elektroniki, Iklasi yesi-2 (umqala ixhotyiswe), okanye Iklasi ye-e-bikes (izantya ezikhawulezayo) kwipolisi yekhaya. Ziyakwazi kuphela nikezela ngokhuseleko ngexabiso eliphantsi Iklasi yoku-1 iimodeli. Ngokomzekelo, banokugubungela isiseko esinye ibhayisekile yombane kodwa wala gubungela ii-e-bikes ukuba ungowakho Iibhayisekile ezi-3 ze-e okanye zisebenze ngokurhweba.

Ke ngoko, ngelixa ukongeza ukuqinisekiswa kunokwenzeka ngokwethiyori kwezinye iimeko ezilinganiselweyo, akufane kubonelele nge ukhuseleko olubanzi (kubandakanya ungquzulwano kunye, okona kubaluleke kakhulu, uxanduva) oluzinikeleyo ipolisi ye-inshurensi yebhayisekile inikeza. Kukhuselekile ngokubanzi kwaye kuthembeke ngakumbi ukufumana i umgaqo-nkqubo we-e-bike eyahlukileyo eyilelwe ngokukodwa imingcipheko yokuba kunye nokukhwela ibhayisekile yombane. Soloko uqinisekisa iinkcukacha ngqo neyakho umninimzi I-arhente ye-inshurensi ngaphambi kokuthatha isiqinisekiso ibonelela ngokhuseleko olwaneleyo.

Izithuthi ezinomthamo ophezulu njenge EV5 Umkhweli woMbane onetricycle bethelela imfuno yokhuseleko lwetyala olufumaneka kwimigaqo-nkqubo ye-e-bike ezinikeleyo.

Ndingayikhetha njani iPolisi ye-Inshurensi yebhayisekile eLungileyo kwiiMfuno zam?

Ukukhetha i umgaqo-nkqubo ochanekileyo ibandakanya okungaphezulu kokufumana nje eyona ndlela inexabiso eliphantsi. Kudinga ukuvavanya iimfuno zakho ezithile, ukuqonda i iinketho zokugubungela, kunye nokuthelekisa izinikezelo ezivela kubantu abathembekileyo ababoneleli be-inshorensi uncutshe kwi i-inshurensi yebhayisekile. Nantsi indlela yenyathelo ngenyathelo:

1. Vavanya iiMfuno zakho:

   • Ixabiso le-E-bike: Yazi ixabiso lokutshintsha kwakho ibhayisekile yombane kunye naziphi na izixhobo.
   • Ukusetyenziswa: Ukhwela kangaphi kwaye phi? (Ukuhamba, ukuzonwabisa, ukuhanjiswa?)
   • Ukunyamezela umngcipheko: Ungakanani umngcipheko wemali ozimisele ukuwuthatha? (Oku kuchaphazela yakho iyatsalwa ukhetho).
   • IiNgxaki zokuTyala: Qwalasela ii-asethi zakho kunye neendleko ezinokuthi zibe khona zokumangalela kwindawo yakho. Imida yamatyala aphezulu inika ukhuseleko olungaphezulu.
   • Iklasi ye-E-bike: Yazi eyakho e-ibhayisekileulwahlulo (Iklasi yoku-1, Iklasi yesi-2, okanye Iklasi yesi-3) njengoko oku kuchaphazela ukufaneleka kunye namaxabiso.

2. Qonda Iindidi zoFundo: Ukuphonononga ii-inshorensi eziqhelekileyo (eziBanzi, ukungqubana, uxanduva, iiNtlawulo zezoNyango, uMqhubi weMoto ongaKhuselwanga) kwaye wenze isigqibo sokuba zeziphi eziyimfuneko kuwe. Ukhuseleko lwetyala kunye nokukhuselwa kubusela / umonakalo (Comprehensive / Collision) ngokuqhelekileyo amacandelo angundoqo.

3. Thenga ngeenxa zonke kwaye uthelekise iiQuotes: Musa ukuhlawula isicatshulwa sokuqala osifumanayo. Fumana iikowuti kwii-inshorensi ezininzi ezizingcaphephe ibhayisekile kwaye i-inshurensi yebhayisekile. Thelekisa kungekuphela ixabiso kodwa kwakhona:

   • Imida yokhuselo: Qinisekisa ukuba imida onikiweyo yanele, ngakumbi kuxanduva.
   • Iimali ezitsalwayo: Qonda ukuba yimalini oya kuyihlawula epokothweni ngebango ngalinye.
   • Okushiyiweyo: Funda umbhalo omhle. Ziziphi iimeko okanye iintlobo zomonakalo hayi igutyungelwe? Ngaba kukho imiqobo yejografi?
   • Indlela yokuxabisa: Ngaba umgaqo-nkqubo uyalihlawula iXabiso elililo leMali (i-ACV, ebangela ukuhla kwexabiso) okanye iXabiso ekuVunyweni ngalo/loTshintsho? Ixabiso elivunyiweyo/iNdleko yoTshintsho lungcono kwintsha iibhayisekile ze-elektroniki.
   • Uphononongo lweNkonzo yabaThengi: Jonga uphononongo lwenkqubo yamabango enkampani yeinshurensi kunye nodumo lwenkonzo yabathengi.

4. Buza Imibuzo: Ungalibazisi ukunxibelelana ne ababoneleli be-inshorensi ngqo ukuba unemibuzo malunga nabo ipolisi ye-inshurensi yebhayisekile iinkcukacha. Cacisa nantoni na ongayiqondiyo ngaphambi kokuba uthenge. Umzekelo, qinisekisa ukuba bawaphatha njani amabango eenxalenye zesiqhelo okanye izincedisi.

5. Cinga ngokudibanisa (ukuba kuyasebenza): Ezinye iinkampani ukuba i-inshurensi izithuthuthu okanye ezinye izithuthi zokuzonwabisa zinokubonelela ngezaphulelo ukuba udibanisa eyakho i-inshurensi yebhayisekile kunye neminye imigaqo-nkqubo.

Ngokuthatha la manyathelo, unokufumana i i-inshurensi yebhayisekile isicwangciso esibonelela ngolungelelwano olululo lwe ukhuselo kunye neendleko, ezikuvumela ukuba ukhwele eyakho ibhayisekile yombane ngokuzithemba kunye ungakhathazeki, ukwazi ukuba ukhuselwe kwiziganeko ezingalindelekanga. I-inshurensi inakho kubonakala ngathi yinkcitho eyongezelelweyo, kodwa kwi-asethi exabisekileyo njenge- ibhayisekile yombane, i-investment investment in security and uxolo lwengqondo.

Izithuthi ezikhethekileyo, njengeeyunithi ezifakwe efrijini, zinokufuna ukuqinisekisa ukuba umgaqo-nkqubo we-inshorensi ugubungela izixhobo ezithile kunye nemeko yokusetyenziswa.

Izinto eziphambili eziThathayo kwi-Inshurensi yeBhayisikile yoMbane:

• Imfuneko yoMthetho: Ngokuqhelekileyo akunjalo ngokusemthethweni ngenxa Iklasi yoku-1, Iklasi yesi-2, okanye Iklasi ye-e-bikes kwiindawo ezininzi zase-US, kodwa jonga imithetho yendawo.
• Imida yoMninimzi/yoMqeshi: Imigaqo-nkqubo esemgangathweni ihlala ibonelela ngokunganelanga ukhuselo ngenxa yemida yexabiso, iimoto ezihamba ngemoto ukukhutshwa, kunye nezithuba zoxanduva. Musa ukucinga ukuba ukhutshiwe.
• I-Inshurensi ye-E-bike ezinikeleyo: Inika olona khuselo lubanzi, ukugubungela ubusela, umonakalo (ungquzulwano / olubanzi), kubalulekile ukuhlawulelwa kwetyala, iintlawulo zonyango, kunye nokhuseleko lomqhubi wemoto olunokubakho.
• Imiba yoHlelo: Iklasi yakho ibhayisekile yombane (Iklasi yoku-1, 2, okanye 3) kuchaphazela ukufaneleka kwe-inshurensi kunye neendleko. Iibhayisekile ze-E ezingaphezulu kwezi klasi ziyimfuneko isithuthuthu okanye i-inshurensi ye-moped.
• IiNjongo eziPhambili: Beka izinto ezibalulekileyo kwindawo yokuqala ukuhlawulelwa kwetyala kunye olubanzi kunye nongquzulwano ukukhusela ngokuchasene namatyala kunye nomonakalo / ukubiwa kwe e-ibhayisekile ngokwayo.
• Iimeko zeendleko: Ixabiso, indawo, ukusetyenziswa, e-ibhayisekile iklasi, imida ye-inshorensi, kunye nokukhetha okuxhuzulwayo kunempembelelo enkulu kwiipremiyamu.
• Thenga ngeenxa zonke: Thelekisa iingcaphulo ezivela kwiingcali ababoneleli be-inshurensi ye-e-bike ukufumana okona kulungileyo ukhuselo kunye nexabiso leemfuno zakho.
• Uxolo lwengqondo: Utyalo-mali kwi i-inshurensi yebhayisekile ibonelela ngokhuseleko lwemali kwaye ikuvumela ukuba ukonwabele yakho ibhayisekile yombane ungakhathazeki.

Khusela utyalo-mali lwakho kunye nawe. Vavanya iimfuno zakho, hlola iimfuno zakho iinketho zokugubungela, kwaye ukhusele i umgaqo-nkqubo ochanekileyo ngenxa yexabiso lakho ibhayisekile yombane.