USHWANKATHELO LWEINSHORENSI

I-Inshorensi Yababuki Zindwendwe eJapan

Yintoni I-inshorensi Yababuki Zindwendwe eJapan?

I-inshorensi Yababuki Zindwendwe eJapan ikhusela kwiimeko apho Umbuki Zindwendwe* kufuneka abhatalele okanye enezinye iindleko ezinento yokwenza nokwenzakala okanye ukonakala kwezinto zabanye abantu ngenxa yokuhlala nabantu kwikhaya lakhe kusetyenziswa iwebhusayithi ka-Airbnb, nakwiimeko apho Umbuki Zindwendwe esonakalelwa yindlu yakhe ngoxa kuhleli Undwendwe*. Kwiimeko apho indlu Yombuki Zindwendwe isonakaliswa ngenxa yokuhlala Kondwendwe, uza kukhuselwa yi-inshorensi xa Umbuki Zindwendwe Nondwendwe bengakwazi ukulungisa ingxaki phakathi kwabo aze Umbuki Zindwendwe aqhakamshelane noAirbnb.

I-inshorensi Yababuki Zindwendwe eJapan yinkqubo yeinshorensi efumaneka kuSompo Japan Insurance Inc.

Ababuki Zindwendwe akufuneki babhatale mali ukuze bakhuselwe yinkqubo Yeinshorensi Yababuki Zindwendwe eJapan.

Nceda ufunde le nkcazelo ilandelayo ngokukhuselwa yi-inshorensi Yababuki Zindwendwe eJapan.

Ixesha leinshorensi

Eli xesha leinshorensi lenkqubo yeinshorensi yangoku liqala nge-31 kaJulayi 2022 ukuya kwi-31 kaJulayi 2023.

Imida nemimiselo

Imida nemimiselo esebenzayo kwi-Inshorensi Yababuki Zindwendwe eJapan

Ukubhatalelwa komonakalo wendlu Yombuki Zindwendwe
Kuxhomekeke kwimimiselo esebenzayo, imiqathango neemeko engazibhatalelwayo, I-inshorensi Yababuki Zindwendwe eJapan iza kubhatala xa kutshatyalaliswe Indlu* nezinto Zombuki Zindwendwe* ngenxa yokuhlala Kondwendwe*. I-inshorensi yomonakalo Wendlu Umbuki Zindwendwe ayiqeshisayo okanye ayiphathiswe ukuba ayilawule isenokufumaneka kwizinto ezongezelelekileyo ezikhuselwayo ezichazwe apha ngezantsi.

Ukubhatalelwa kwetyala Lombuki Zindwendwe lokonzakala okanye lokonakaliswa kwendlu
I-inshorensi Yababuki Zindwendwe eJapan ikwakhusela Ababuki Zindwendwe xa befunyenwe benetyala lokonzakala okanye ukonakala kwempahla Yondwendwe okanye yabanye abantu ebudeni bokuhlala Kweendwendwe Kwindlu xa ibhukishwe kwiwebhusayithi ka-Airbnb ibe kubangelwe Lishishini Lokubuka Iindwendwe Kwikhaya.*

Ukubhatalelwa kweendleko Zababuki Zindwendwe ngenxa yemali abazibhatala abanye abantu ukuze kulungiswe imeko ebangele ukwenzakala emzimbeni okanye ukonakala kwezinto
Kwiimeko apho Umbuki Zindwendwe kuye kufuneke abhatale ukuze kulungiswe imeko ebangele ukwenzakala emzimbeni okanye ukonakala kwezinto Zondwendwe nezabanye, i-Inshorensi Yababuki Zindwendwe eJapan isenokusetyenziswa ukuze kubhatalelwe ezo ndleko Zombuki Zindwendwe. Le ngozi kufuneka ibe ibangelwe Lishishini Lokubuka Iindwendwe Ekhayeni kwaye ibe yenzeke ebudeni bokuhlala Kondwendwe Kwindlu xa ibhukishwe kwiwebhusayithi ka-Airbnb ukuze ibhatalelwe. Nto nganye echazwe apha ngasentla isebenza phantsi kwemimiselo, imiqathango nezinto ezingabhatalelwayo yipolisi yeInshorensi Yababuki Zindwendwe YaseJapan.

  1. Indawo Yokuhlala Ekhuselweyo

I-Inshorensi Yababuki Zindwendwe yaseJapan ibhatalela Indlu Yombuki Zindwendwe, Indlu aqeshisa ngayo okanye ayiphathiswe ukuba ayilawule Kwishishini Lokubuka Iindwendwe Ekhayeni.

(*) Indlu ithetha indawo evunyiweyo phantsi kweHotel Business Act, eqinisekisiweyo phantsi kweNational Strategic Special Zones Act, okanye ephawulwe phantsi kweHome Accommodation Business Act, okanye ephantsi kwezinye izindlu apho ishishini elifanayo lendawo yokuhlala liqhutywa khona; nangona kunjalo, ukuba zonke ezi zinto zifunekayo zifikelelwe:

  • Ezi ndawo ziphethwe Ngumbuki Zindwendwe, ziqeshwe Ngumbuki Zindwendwe, okanye zinikwe Umbuki Zindwendwe ukuba azilawule;
  • Ezi ndawo zifakwe kwiwebhusayithi ka-Airbnb; kwaye
  • Ezi ndawo zibhukishwe ibe zisetyenziswa ngumntu oye wavumelana nemimiselo yenkonzo ka-Airbnb waza wasebenzisa iwebhusayithi ka-Airbnb. Iindawo zokuhlala ziquka amakhaya azimoto, iibhasi, iimoto zokukhempisha, izindlu ezakhiwe emthini nezinye iindawo ezipakiweyo zaza zasetyenziswa njengendawo yokuhlala. Izikhephe nezithuthi zasemanzini nazo ziqukiwe ukuba zisetyenziswa njengeendawo zokuhlala.
    1. Umbuki Zindwendwe/Ababuki Zindwendwe

    (*) Ababuki Zindwendwe bathetha abantu abenza Ishishini Lokubuka Iindwendwe Ekhayeni bevula Izindlu zabo ibe benelayisensi okanye bevunyelwe ukuba benze loo nto ngokuhambiselana nomthetho osebenzayo.

    1. Undwendwe/Iindwendwe

    (*) Iindwendwe zithetha abantu abasebenzisa Ishishini Lokubuka Iindwendwe Ekhayeni, kuquka ezo zimenywe ngumntu olisebenzisayo nabo balisebenzisa ngexesha elinye Ishishini Lokubuka Iindwendwe Ekhayeni.

    (*) Ishishini Lokubuka Iindwendwe Ekhayeni lithetha ishishini lehotele njengoko kuchazwe kwiHotel Business Act (Act No. 138 of 1948), ishishini elichazwe kwiNational Strategy Special Area Act (Act No. 107 of 2013), okanye ishishini leendawo zokuhlala elichazwe kwiHousing Accommodation Business Act (Act No. 65 of 2017), okanye elinye ishishini leendawo zokuhlala elifanayo, nezinto ezenziwa ngaphakathi okanye ngaphandle kolu hlobo Lwendlu ezinento yokwenza neenkonzo ezichazwe ngasentla.

    Ukukhuselwa yi-inshorensi

    Umda ophezulu osebenzayo ebudeni bexesha leinshorensi yi¥100 000 00 JPY qho kusenzeka ingozi enezinto ezithile ezingabhatalelwayo.

    Izinto ezingaqukwanga

    Izinto eziphambili ezingaqukwanga kwiInshorensi Yababuki Zindwendwe eJapan (imithetho engokubhatalelwa komonakalo wendlu Yombuki Zindwendwe)

    Izinto ezingaqukwanga Kwindlu:

    • Imali, izinto ezixabisekileyo ezikuhlobo lwe-bullion, imali engamaphepha okanye ezinye izinto ezixabisekileyo.
    • Umhlaba, amanzi okanye nayiphi na enye into engaphakathi okanye engaphezulu kuloo mhlaba; kodwa ke, le nto ayizukusebenza ekuphuculweni komhlaba okuquka igadi eyenziwe zingcali, iindlela neendawo zokuhamba (kodwa iza kusebenza kumhlaba owongeziweyo okanye ongaphantsi kwaloo ndlu) okanye amanzi angaphakathi kwitanki okanye iinkqubo zemibhobho okanye ezinye izixhobo zokuwahambisa.
    • Izilwanyana, kuquka, kodwa kungaphelelanga, kwimfuyo nezilwanyana zasekhaya.
    • Amaplanga amileyo nezityalo.
    • Izithuthi zasemanzini, iinqwelo-moya, iinqwelo zasemajuku-jukwini nee-satelite; kodwa ke, le nto ayizukusebenza kwizithuthi zasemanzini ukuba azisetyenziswa ibe zisetyenziswa njengeNdlu.
    • Iimoto; kodwa ke, le nto ayizukusebenza kuzo naziphi na iimoto ezingasetyenziswayo nezisetyenziswa njengeNdlu.
    • Iimayini zaphantsi komhlaba okanye iindawo zokuya phantsi komhlaba okanye naziphi na izindlu ezikwiimayini okanye iindawo zokuya phantsi komhlaba.
    • Amadama, ii-dike nee-levee.
    • Izindlu ezisendleleni.
    • Iinkqubo zombane ezingaphaya kweemitha eziyi-305 ukusuka Kwindlu.

    Iimeko eziphambili apho imali yeinshorensi ingabhatalwa khona:

    • Imfazwe, ukuhlaselwa lelinye ilizwe, imvukelo, ukubhukuqwa kukarhulumente, imfazwe yangaphakathi elizweni, ukuvukela kusetyenziswa izixhobo zokulwa okanye ezinye izenzo ezifanayo neetoyi-toyi.
    • Umonakalo obangelwe yimitha, ukudubula okanye enye into eyonzakalisayo ngenxa yokudubula kwenyukliya okanye ukuphela kwe-atomic nucleus yezinto zamafutha enyukliya okanye izinto ezenziwe ngenyukliya, izinto ezinemitha, i-radioisotope okanye izinto ezonakaliswe zezo zinto, okanye ingozi ekunokuthiwa ibangelwe zizo, ngaphandle kokudubula kwenyukliya okanye ukuphela kwe-atomic nucleus ye-radioisotopes ezisetyenziselwa ezonyango, isayensi okanye amashishini.
    • Ubugrogrisi.
    • Ukusetyenziswa kakubi okanye ukugrogriswa ngokusebenzisa kakubi kwezinto ezinetyhefu zendalo okanye ezekhemikali.
    • Umonakalo owenzeke Kwindlu ngexesha lokuhlala okanye emva kokuhlala Kondwendwe Kwindlu ebibhukishwe kwiwebhusayithi ka-Airbnb.
    • Umonakalo obangelwe kukungaziphathi kakuhle ngabom okanye kukungakhathali kwaBabuki Zindwendwe.
    • njl njl.

    Iimeko ezihamba phambili apho imali yeinshorensi ingabhatalwa kuzo (imithetho engokubhatalelwa ityala neendleko ekufuneka Umbuki Zindwendwe azibhatale)

    -Imfazwe, ukusetyenziswa komlo lelinye ilizwe, imvukelo, ukuvukelwa kukarhulumente, imfazwe yasekuhlaleni, imvukelo kusetyenziswa izixhobo, okanye ezinye iziganeko ezifanayo okanye iitoyitoyi.

    • Umonakalo obangelwe yimitha, ukudubula okanye enye into eyonzakalisayo ngenxa yokudubula kwenyukliya okanye ukuphela kwe-atomic nucleus yezinto zamafutha enyukliya okanye izinto ezenziwe ngenyukliya, izinto ezinemitha, i-radioisotope okanye izinto ezonakaliswe zezo zinto, okanye ingozi ekunokuthiwa ibangelwe zizo, ngaphandle kokudubula kwenyukliya okanye ukuphela kwe-atomic nucleus ye-radioisotopes ezisetyenziselwa ezonyango, isayensi okanye amashishini.
    • Umonakalo obangelwe kukuziphatha kakubi Kwababuki Zindwendwe ngabom.
    • Iindleko okanye ityala lezalamane ezihlala Nababuki Zindwendwe, ngaphandle kwakwiimeko apho Umbuki Zindwendwe enetyala okanye eba neendleko ekufuneka azibhatale ezo zalamane ngenxa yomonakalo owenziwe Kwindlu Umbuki Zindwendwe ayiqeshileyo okanye ayiphathiswe ukuba ayilawule.
    • Iindleko okanye ityala elibangelwe sisiphene esenziwe ngabasebenzi baBabuki Zindwendwe ngoxa besebenzela Ababuki Zindwendwe.
    • Kwiimeko apho kukho isivumelwano esikhethekileyo sokubhatalelwa komonakalo phakathi koMbuki Zindwendwe nomnye umntu, ukubhatalelwa komonakalo kuxhomekeka kweso sivumelwano.
    • Iindleko zengozi okanye ityala elibangelwe ngamanzi amdaka okanye ukukhutshwa komoya ongcolileyo.
    • Iindleko zengozi okanye ityala elibangelwe ngumsebenzi owenziwa ngamagqwetha, amagqwetha abhalisiweyo amanye amazwe, abagcini zincwadi bezemali abaqinisekisiweyo, abagcini zincwadi berhafu, abazobi, abayili, abaphandi bemihlaba nezindlu, ababhali bezomthetho, ababhali, oogqirha bezilwanyana okanye abanye abantu abenza imisebenzi efana nale.
    • Iindleko zengozi evele okanye ityala elimele libhatalwe elibangelwe kukuba nenqwelo-moya, imoto okanye isithuthi okanye imoto engaphandle kwendlu, ukuyisebenzisa okanye ukuyilawula, ngaphandle komonakalo obangelwe kukuyisebenzisa okanye ukuyilawula imoto okanye isithuthi okanye imoto engaphandle kwendlu ngoxa loo moto okanye eso sithuthi okanye loo moto engaphandle kwendlu isetyenziswa njengeNdlu.
    • Indleko zengozi evele okanye ityala elimele libhatalwe elibangelwe ngumsebenzi wokwakha weNdlu eqeshiweyo okanye uMbuki Zindwendwe aphathiswe umsebenzi wokuyilawula, njengokulungiswa, ukwandiswa okanye ukutshatyalaliswa, ngaphandle kwalapho Umbuki Zindwendwe enze umsebenzi wakhe. -Iindleko zengozi evele okanye ityala elimele libhatalwe elibangelwe kukutshatyalaliswa kwendlu eqeshiweyo okanye ephathiswe Umbuki Zindwendwe ukuba ayilawule obangelwe zinyikima, lugqabhuko-dubulo, zizikhukula, zi-tsunami, okanye iintlekele ezifanayo zemvelo, ngaphandle kweemeko apho umonakalo ubangelwe ngumlilo.
    • njl njl.

    Amabango einshorensi

    Ukwazisa ngengozi

    Ukuba Umbuki Zindwendwe uphawula ukwenzakala okanye umonakalo kwizinto Zondwendwe okanye omnye umntu, Umbuki Zindwendwe ufanele achazele uAirbnb kwangoko kuba i-inshorensi isenokuba iyasebenza. Ngokufanayo, ukuba Umbuki Zindwendwe wazi ngomonakalo kwindlu Umbuki Zindwendwe angumnikazi wayo, Umbuki Zindwendwe kufuneka achazele uAirbnb xa yena Nondwendwe lwakhe bengakwazi ukuvumelana ngendlela yokulungisa ingxaki zingekapheli iiyure eziyi-72 emva kokuqala ukuqhakamshelana Nondwendwe kuba i-inshorensi kusenokwenzeka iyasebenza.

    Isicelo sokuthunyelelwa ipolisi yeinshorensi

    La magqabantshintshi eInshorensi Yababuki Zindwendwe eJapan awaquki yonke imimiselo, imiqathango, imida nezinto ezingaqukwanga kwipolisi yeinshorensi. Ukuze ucele ikopi yepolisi yeinshorensi, nceda uqhakamshelane neAon Japan, Ltd. uze uquke inkcazelo yeakhawunti yakho ka-Airbnb.

    Inkampani efumaneka kuyo i-inshorensi

    Sompo Japan Insurance Inc.