Rīanga

Ngā momo rīanga

Ko te rīanga ko te whakapūmau a tētahi kamupene ka utu rātau i a koe mō tētahi makeretanga tauwhāiti – pēnā i te pakaru tētahi waea pūkoro, waka rānei, ētahi atu mea rānei – engari ia i utua e koe he moni whāngai (utu aunoa rānei).

Ka taea e koe te tiki rīanga mō nga mea rerekē maha. Ko ngā momo rīanga arowhānui matua ka whaitake pea ki a koe ko ēnei:

• taonga whare
• waka
• hāereere.

Rīanga taonga whare

Kei roto pea i ō rīanga taonga whare ko tō Xbox, waea, rorohiko, me ētahi atu o ō taputapu e puritia i tō taha, i roto i tō whare noho/kāinga rānei. Mai i tētahi poapoa nā te maringitanga inu ki tētahi pāhi i ngaro, he whai take te rīanga ki te pā mai he raruraru ki ō rawa, tae atu ki te tūkinotanga, ngaro, whānako rānei.

Rīanga waka

Ina taraiwa koe, he kawenga tōu kia inihuatia e koe te tūkinotanga kā pā mai i roto i tētahi tukinga nōu te hē.Ki te kore e taea e koe te waka whakapaipai o tētahi tangata te utu kia whakakapihia tōna waka me whai rīanga koe hei whakatautika i te mōrea o te haere i te rori.

E toru ngā momo waka rīanga

1. Ko te rīanga whānui e inihua ana i te tūkinotanga ki tō waka me te waka o tētahi atu mēnā kei roto koe i tētahi aituā. Ka inihuatia koe mēnā ka whānakotia tō waka. He nui ake te utu i ērā atu kōwhiringa e rua engari he nui ake te kapinga.
2. Ko te rīanga rōpū kē, ahi me te whānako tētahi kōwhiringa ka inihua i te tūkinotanga ki ngā waka o ētahi atu engari kaua tōu mēnā ko koe te mea i te hē i roto i tētahi aituā. Engari ka inihuatia tō waka mēnā ka wera, ka whānakohia rānei. He kōwhiringa pai tēnei mēnā e whakapono ana koe he kaitaraiwa pai koe.
3. Ko te rīanga rōpū kē ka utua mō te tūkino i te waka o tētahi atu tangata - engari kaua ko tōu. He iti ake te utu i ērā atu momo rīanga waka engari kāore koe e utua mō te whakatika i tōu waka i muri i tētahi aituā, ki te wera, ka whānakohia rānei. He iti ake te utu, ā, me whakaaroaro e koe mēnā he iti te utu o tōu waka.

Rīanga hāereere

Kei te haere koe ki te hāereere? He pāhi āu, neke atu rānei i te kotahi ō rerenga? Ka taea rānei e koe te utu te whakakapi i ō pāhi kawe katoa ki te ngaro, te utu rānei i tētahi rerenga hou ki te taha i a koe tō rerenga tūhono? Ka aha mēnā ka māuiui koe, ka whara rānei koe i a koe e haere ana? Kāore e ōrite ngā ratonga manaaki hauora ki tā Aotearoa. Ki te kore e taea e koe te mōrea te utu – me whakangāwari! (Ko te whakangāwari i te mōrea ko te whakaiti i te mōrea ki te nuinga e taea ana e koe.) Ka taea e koe ngā mōrea te whakangāwari i a koe e hāereere ana mā te hoko rīanga – i mua i tō wehenga mō tō hāereere.

Te hoko rīanga

E rua ngā utu matua o te rīanga.

1. Ka utu te whāngai moni i te kirimana o te rīanga, ā, utua ai tēnei ia marama i te nuinga o te wā, engari ka taea te utu ā-tau. Ka utua e koe te moni whāngai kia whiwhi noa iho ai koe i te rīanga whānui.
2. Ko te moni tūmā te utu tuarua, ā, ka utua mēnā ka pā mai he mea ki a koe, ō taonga rānei, ā, me whakamahi koe i te rīanga. Ka whakaritea tēnei me tōna awhe ina hokona tuatahitia mai e koe tō rīanga. Ko te teitei atu o ō utu moni tūmā, ka iti ake tō moni whāngai.

Ahakoa he aha te rīanga ki ōu whakaaro me whai koe, ka hokona atu e tētahi kamupene rīanga. Kia tūpato kei nui rawa tō hoko rīanga mai ki tērā e hiahiatia ana e koe, i te mea kei whakamātau kia whakapikihia te hoko atu ki a koe. Me tino mārama ki ngā mea e rapu inihua ai koe, ā, ka taea e tētahi kaiwhakarato rīanga koe te āwhina.

I a koe e rapu haere ana i te rīanga, me kōrero ki ētahi kamupene rerekē me te whai kupu rerekē i te mea he pai ake ngā tukunga a ētahi kaiwhakarato rīanga i ētahi atu mā te hunga taiohi.

Kei raro ētahi rauemi ka taea te āwhina i a koe kia mārama ai koe ki ngā momo rīanga me whai koe, ā, mō āhea.

Ngā hono whaitake:

• Insurance Council of New Zealand – 'The basics'
• Sorted – ‘Cover your people, money, stuff’
• Sorted – 'Insuring the big costs if it goes wrong'
• Sorted – 'Types of insurance'

Ngā paetukutuku hira

• Sorted: He pae pūtea whaiaro a Sorted e whai utauta ana me ngā mōhiohio e hiahiatia ana e koe hei whakahaere i ō nama, te whakamahere me te whai i te mahere pūtea, te penapena me te haumi, te whakarahi atu i tō KiwiSaver, te whakamahere mō tō ahungarua, te whakamaru i ngā mea hira, me te whai mōkete. Ka tukuna koe e Sorted ki te whakatikatika i ō pūtea me te anga whakamua ā-pūtea.