Inshorense ea koloi ea likoloi bafani ba Singapore ba fanang ka eona e ka fapana ka litšenyehelo. Litšenyehelo tsa hau li ka angoa ke palo ea likotsi tsa morao tjena kapa melato ea ho khanna e rekotiloeng. Bakeng sa ba nang le rekoto e hloekileng ea ho khanna, inshorense ea koloi chelete e tloaelehileng e ka tloha ho S$700 ho ea ho S$3,000.
E utloahala e theko e boima? Ho leka ho khanna ntle le inshorense ea koloi Singapore ho kotsi ebile ho ka u jella likete tsa lidolara, lengolo la hau la ho khanna, 'me ka linako tse ling esita le nako ea chankana.
Ka tlase ho na le lintho tse 'maloa tseo u lokelang ho li hopola ha u ntse u nahana ka se tla etsahala haeba u khanna ntle le pholisi e nepahetseng ea inshorense ea koloi Singapore.
Likotlo tsa molao
Ho boletsoe ho Molao oa Singapore Motor Vehicles (Likotsi le Matšeliso a Mokha oa Boraro) hore motho ea tšoaroang a khanna koloi Singapore ntle le tšireletso ea inshorense o tla ba molato, 'me ha a fumanoa a le molato, o tla lefisoa ho fihlela ho S$1,000, hammoho le ho koalloa chankaneng bakeng sa ho fihlela likhoeling tse 3, kapa ka bobeli. Hape u tla be u sa tšoanelehe ho sebelisa lengolo la tumello bakeng sa likhoeli tse 12 ka mor'a kahlolo ea hau haeba u fumanoa u le molato oa tlōlo ea molao.
Ho se mamele molao ho ka lebisa thekong e phahameng ho feta eo u neng u tla e lefa haeba u ne u e-na le inshorense ea koloi Singapore taelo. Mekhelo e 'maloa e molaong ona. U ke ke ua fumanoa u le molato oa:
- Koloi eo u e khannang hase ea hao kapa e tlas'a konteraka ea ho e hira kapa ea kalimo
- U sebelisa koloi mosebetsing
- Ka 'nete ha u tsebe hore inshorense e sebetsang e ne e sa sebetse
Ho etsahala'ng haeba u ka hlaheloa ke kotsi?
Ntle le litlamorao tsa molao tseo u ka tobanang le tsona ka ho khanna ntle le inshorense ea koloi, hape u eketsa kotsi ho uena le licheleteng tsa hau. Ho kena kotsing ea koloi ha u ntse u khanna u sa inshorense ho lebisa litšenyehelong tse phahameng tsa botho tsa ho lokisa kapa ho nkela koloi sebaka, thepa e senyehileng le litšenyehelo tsa bongaka. U boetse u qosoa ke mokha o mong 'me u tlameha ho lefella litšenyehelo leha e le life, tahlehelo le litšenyehelo tsa bongaka. Sena se ka u jella lidolara tse likete tseo ho seng joalo li ka beng li kentsoe inshorense.
Liphello tsa fronting
Batho ba bang ba nkoa e le "bakhanni ba kotsing e kholo" 'me ba kōptjoa ho lefa chelete e eketsehileng bakeng sa inshorense ea koloi. Bongata ba bona ba ikakhela ka setotsoana tšebetsong e tsejoang ka hore ke "fronting," moo ba lekang ho fumana sekhahla se tlase sa inshorense ka ho sebelisa lintlha tse fapaneng, tse betere tsa ho khanna. Ona ke mofuta oa bomenemene. Ho leka leano lena le ho fumanoa ho ka etsa hore maano a hau a se ke a sebetsa, haholo-holo kotsing.
Inshorense ea koloi e ka u sireletsa joang?
Ho sa tsotellehe hore na u khanna ka hloko hakae, kamehla ho na le monyetla oa ho kopana le mokhanni ea sa tsotelleng kapa ea sa tsotelleng. Inshorense ea koloi ea likoloi Bafani ba mantlha ba Singapore ba kenyelletsa inshorense ea koloi e felletseng le e tšepahalang. Ba bangata ba bafani bana ba fana ka litheolelo le livoutjhara, kahoo li hlahlobe. U ka etsa kopo ea matsatsi a 90 pele pholisi ea hau ea hajoale e felloa ke nako. Melemo e meng ea moralo e kenyelletsa:
- Ha ho Phokotso ea Litlaleho (NCD) ka 10% ha u le molato
- Litšebeletso tsa pholoso tsa mahala tse ka thoko ho tsela haeba koloi ea hau e robehile
- Melemo ea Gap Cover le Loan Protector e koahelang kalimo ea hau ea koloi e setseng ha koloi ea hau e ka lahleheloa ke kakaretso le lefu la mong'a pholisi, ka ho latellana.
- Eketsa melemo ea ho etsa workshop e ratoang ea tokiso
- Ho se lefe sente ha o se molato ho sebetsa haeba o amehile kotsing ka koloi ea Singapore e tsejoang.
Ha e le hantle, ha ho motho ea batlang ho lefa inshorense ea koloi haeba a ka thusa, empa ho qoba ho tlōla molao ho tla u jella chelete e ngata ho feta inshorense ea koloi ea hau e neng e tla u lefella, ka nako le chelete e sebelisitsoeng. Haeba u batla boleng ba inshorense ea koloi eo Singapore e fanang ka eona, u ka sheba tse fanoang ke bafani ba maemo a holimo. Etsa liphuputso tse ngata pele u itlama - hlahloba tlaleho ea insurer, lintlha tsa leano, le maikutlo a basebelisi.
SEO U LOKELANG HO SE NKA HO SEHLOOHO ENA:
- No Claim Discount (NCD) reduction by 10% when you are at faultFree roadside rescue services if your car breaks downGap Cover and Loan Protector benefits that cover your outstanding car loan in the event of a total loss of your car and the death of the policyholder, respectivelyAdd on benefits to conduct repairs preferred workshopNot paying a single cent if you’re not at fault applies if you are involved in an accident with an identifiable Singapore car.
- The car you’re driving does not belong to you or is under a contract of hiring or a loanYou’re using the car for workYou genuinely do not know that a valid insurance policy was not in effect.
- It’s stipulated in The Singapore Motor Vehicles (Third-Party Risks and Compensation) Act that someone caught driving a motor vehicle in Singapore without insurance coverage will be guilty of an offense and, upon conviction, will be fined up to S$1,000, plus imprisonment for up to 3 months, or both.
