Kugcine ukubuyekezwa ngoFebhuwari 9, 2025 ngu Izinja Vets
Ubhekene nokungaqiniseki lapho ukhetha umshwalense wezilwane ezifuywayo, ukhathazekile ngezindleko ezifihliwe kanye nokungakhokhelwa okwanele komngane wakho omthandayo. Ufanelwe ukucaciswa nesiqondiso sochwepheshe ukuze uvikele ukuvikeleka okuphelele ngaphandle kokusebenzisa ngokweqile kumaphrimiyamu.
Udinga indlela eqondile yokuqhathanisa izinqubomgomo futhi uthole ukufakwa okuhambisanayo okufanela kokubili ibhajethi yakho kanye nezidingo eziqondile zesilwane sakho esifuywayo. Ukuhlola izimali ezidonswayo, imikhawulo yezimangalo, nokukhishwayo kuzokunika amandla okwenza izinqumo ezinolwazi.
Thola imininingwane ebalulekile ku Izidili Zomshwalense Wezilwane lapho ochwepheshe beveza amasu okuthola isivumelwano esingcono kakhulu. Banikeza ukuqhathanisa okucacile namathiphu asebenzayo, okuqinisekisa ukuthi ukhetha ngokuzethemba inqubomgomo efanelekile yesilwane sakho esifuywayo.
Setha Isabelomali Sakho
Ngaphambi kokuthenga umshwalense wezilwane ezifuywayo, buyekeza ngokucophelela izimali zakho. Isabelomali esicacile sisiza ukuphatha izindleko zeprimiyamu, izimali ezidonswayo, nezindleko ezingalindelekile ukuze kuvikelwe isilwane sakho esifuywayo.
- Chaza imikhawulo yanyanga zonke: Hlola iholo lakho kanye nezindleko ukuze usethe umkhawulo wanyanga zonke wamaphrimiyamu kanye nezikweletu ezingalindelekile zodokotela wezilwane.
- Linganisa izindleko ezidonswayo: Khetha ama-deductibles ahambisana nokunethezeka kwakho kwezezimali; ama-deductibles aphezulu angase ehlise amaphrimiyamu kuyilapho enyusa izindleko eziphuma ephaketheni.
- Cabangela imigomo yesikhathi eside: Hlela kusengaphambili ukunakekelwa kwempilo kwesilwane sakho esifuywayo esikhathini esizayo, ulinganise ukufinyeleleka nezimfuneko zokukhava ezibanzi.
Ukuqonda ibhajethi yakho kubalulekile. Ukuhlela ngokucophelela manje kusiza ukumbozwa okuvikelekile okuhlangabezana nezidingo zesilwane sakho esifuywayo kuyilapho ugcina ukuzinza kwezezimali.
Abahlinzeki bezitolo
Lapho uthenga umshwalense wezilwane ezifuywayo, ukulungiselela okuningiliziwe kubalulekile. Cwaninga imininingwane yezilwane ezifuywayo futhi uqhathanise izingcaphuno usebenzisa amathuluzi aku-inthanethi ukuze uthole izinketho ezingcono kakhulu zokuhlanganisa.
Hlanganisa Ulwazi
Qoqa ulwazi olubalulekile lwesilwane esifuywayo njengobudala, uhlobo, nomlando wezempilo. Idatha enembile iqinisekisa ukuthi abahlinzeki baletha izingcaphuno eziqondene nawe ezihambisana nezidingo zesilwane sakho esifuywayo.
Linganisa Izilinganiso
Qhathanisa abahlinzeki bomshwalense abaningi, ubheka izikhathi zokushintsha izimangalo kanye nezinketho ezibanzi zokuhlanganisa. Amasayithi athenjiwe afana I-NerdWallet yenza kube lula ukuzulazula ngemininingwane yomhlinzeki.
Bhalisa Kusenesikhathi
Ukubhalisa kusenesikhathi kumshwalense wezilwane ezifuywayo kunikeza izinzuzo ezinkulu. Igwema izinselele zezimo ezivele zikhona futhi ngokuvamile iholela emazingeni aphansi, ivikela isilwane sakho kusenesikhathi.
- Gwema Izimo Ezivele Zikhona: Bhalisa ngaphambi kokuba izimo zithuthuke; umshwalense uhlanganisa izehlakalo ezivela ngemva kokubhalisa, okunciphisa izinkinga zesikhathi esizayo.
- Khiya Amanani Aphansi: Izilwane ezifuywayo ezisencane, ezinempilo zivikela amanani aphansi uma kuqhathaniswa nezilwane ezindala, eziyingozi, okuqinisekisa ukonga kwesikhathi eside.
- Qalisa Izikhathi zokulinda: Ukuqala ngokushesha kunciphisa isikhathi esingavikelekile, okusho ukuthi izinzuzo zisebenza ngokushesha futhi zinikeze ukwesekwa okusheshayo.
Ukubhalisa kusenesikhathi kuvikela ukunakekelwa okuthembekile kwesilwane sakho esifuywayo futhi kugcina izindleko ezifinyelelekayo ngokuhamba kwesikhathi, okudala ukukhululeka ngokwezimali kwesikhathi eside.
Qhathanisa amapulani
Hlaziya ngokucophelela izinhlelo zomshwalense wezilwane ezifuywayo. Ukuqhathanisa izinketho kukusiza ukuthi ubone izinhlobo ezifanele zokukhava, wenze ngendlela oyifisayo imali edonswayo, futhi uzuze amaphesenti afanele ombuyiselo esilwane sakho.
Buyekeza Izinhlobo Zokukhava
Hlukanisa phakathi kwezinhlelo zengozi kuphela, eziphelele, nezempilo ngokuhlolisisa imininingwane ekhavayo futhi uqonde ukuthi uhlelo ngalunye lunikezani ngokunakekelwa okujwayelekile kanye nezimo eziphuthumayo.
Hlela Ukwenza Ngokwezifiso
Lungisa izimali ezidonswayo, amanani ezimbuyiselo, nemikhawulo yenzuzo. Cabangela izidingo zesilwane sakho esifuywayo kanye nezindleko zokwelashwa okulindelekile lapho ukhetha uhlelo olulinganisa izindleko kanye nokuhlinzekwa ngempumelelo.
Hlola Izaphulelo
Phenya noma yiziphi izaphulelo zomshwalense wezilwane ezifuywayo ukuze unciphise izindleko zanyanga zonke. Izaphulelo zingavela kuzinqubomgomo zezilwane eziningi, izinyunyana, izinhlelo eziphezulu, ngisho nezinhlelo ezixhaswe ngumqashi.
- Izaphulelo Zezilwane Ezifuywayo Eziningi Nezinyunyana: Izinqubomgomo ezibandakanya izilwane ezifuywayo eziningi ngokuvamile zihlanganisa ukonga, kuyilapho ubulungu bezinyunyana bungase buvikele izaphulelo ezengeziwe kubanikazi bezilwane ezifuywayo abafanelekayo.
- Izinhlelo zomqashi kanye nezitolo ezinkulu: Hlola izinzuzo zomqashi noma amakilabhu ama-wholesale ukuze uthole imititilizo ekhethekile ehlisa kakhulu izilinganiso zeprimiyamu zanyanga zonke.
- Hlela Ukulondoloza Ngokwezifiso: Ukulungisa izinketho ezifana nokudonswa kwemali kanye namazinga okubuyisela kungaletha ukonga okwengeziwe, okwenza uhlelo lwakho lube lusebenze futhi luthengeke.
Ukuphishekela izaphulelo ezisebenzayo kunciphisa ingcindezi yezezimali futhi kuqinisekisa ukuthi umshwalense wesilwane sakho ugcina kokubili ukumbozwa kwekhwalithi nokufinyeleleka, okuzuzisa ukunakekelwa kwezilwane ezifuywayo zesikhathi eside.
Buyekeza Okukhishiwe
Hlola ukukhishwa komshwalense wezilwane ngokucophelela. Ukuqonda imikhawulo efana nezimo ezivele zikhona, izinqubo ezikhethiwe, kanye nezindaba ezithile zohlobo oluthile kubalulekile ekuthathweni kwezinqumo unolwazi.
Okungafakwa Okujwayelekile
Ukukhishwa okujwayelekile kufaka phakathi izimo ezivele zikhona, ukunakekelwa kwamazinyo okujwayelekile, nezindaba eziphathelene nokukhulelwa. Qinisekisa imininingwane ngayinye ukuze uqinisekise ukuthi uhlelo luhlangabezana nezidingo zezempilo zesilwane esifuywayo.
Imikhawulo ethize
Ezinye izinhlelo azibandakanyi iziyaluyalu eziqondene nohlobo oluthile, izinkinga zokuziphatha, nezinqubo zokukhetha njengokumisa umsila noma ukulungisa. Ukwazi le mikhawulo kugwema izindleko ezingalindelekile phakathi nezimangalo.
Ukubuyekeza okushiyelwe okuningiliziwe ku lo mthombo kungathuthukisa ukuqonda kwakho nakakhulu.
Khetha ama-Deductibles
Ukunquma i-deductible efanele kuyingxenye ebalulekile yomshuwalense wezilwane ezifuywayo. Ithonya izilinganiso zeprimiyamu kanye nezindleko ezingaba khona zokuphuma ephaketheni ngesikhathi sokuvakasha kodokotela wezilwane.
Izinketho zokudonswa kwemali
Izimali ezidonswayo zonyaka zenza isabelomali sibe lula, kuyilapho izimali ezidonswa ngesigameko ngasinye zisabalalisa izindleko phezu kwezimangalo eziningi. Hlola izidingo zempilo yesilwane sakho ukuze ukhethe inketho esebenzayo kakhulu.
Ukucatshangelwa Kwezindleko
Ama-deductibles aphezulu anciphisa amaphrimiyamu kodwa adinga inkokhelo eyengeziwe ngesikhathi sokumangalelwa. Linganisa isabelomali sakho kanye nezindleko okulindelekile zezilwane ukuze wenze isinqumo unolwazi.
Izinyathelo Zokugcina Ezingaphambili
Manje usunamathiphu angasebenza okuvikela umshwalense wesilwane esifuywayo othengekayo ngokucacile nangokuzethemba. Hlola izinketho zakho, cwaninga ngokucophelela, futhi uthole ulwazi mayelana nezinhlelo zekhwalithi ezifana Budget Direct Pet Insurance. Ukukhetha kwakho unolwazi kuholela ezinzuzweni ezihlala njalo kuwe nakumngane wakho omthandayo. Thatha isinyathelo manje futhi uthole ukunakekelwa okuphelele namuhla.
