USHWANKATHELO LWEINSHORENSI

I-Inshorensi Yababuki Zindwendwe eJapan

Yintoni I-inshorensi Yababuki Zindwendwe eJapan?

I-inshorensi Yababuki Zindwendwe eJapan ikhusela iimeko apho Umbuki Zindwendwe* kufuneka abhatalele okanye ezinye iindleko ezinento yokwenza nokwenzakala okanye ukonakala kwezinto zabanye abantu ngenxa yokuhlala nabantu kwikhaya lakhe, nakwiimeko apho Umbuki Zindwendwe esonakalelwa kuba indlu Yombuki Zindwendwe yonakalisiwe 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

Ixesha leinshorensi lenkqubo yeinshorensi yangoku liqala nge-31 kaJulayi 2021 ukuya kwi-31 kaJulayi 2022.

Imida nemimiselo

Imida nemimiselo esebenzayo kwi-Inshorensi Yababuki Zindwendwe eJapan

I-Inshorensi Yababuki Zindwendwe eJapan iza kubhatala xa indlu yoMbuki Zindwendwe isonakaliswa okanye xa kufuneka ebhatele okanye ezinye iindleko zoMbuki Zindwendwe ezinento yokwenza nokonzakala okanye ukonakala kwabanye nezinto zabo ebudeni bokuhlala neendwendwe Kwindlu.

  1. Indawo Yokuhlala Ekhuselweyo

I-Inshorensi Yababuki Zindwendwe eJapan ikhusela Indlu* Umbuki Zindwendwe angumnikazi wayo, ayisebenzisayo okanye ayilawulayo Yeshishini Lokuhlala Neendwendwe Kwikhaya Lakho.

(*) Indlu ithetha indawo evunyiweyo phantsi kweHotel Business Act, yaqinisekiswa phantsi kweNational Strategic Special Zones Act, yabhaliswa phantsi kwePrivate Lodging Business Act okanye ezinye iindawo apho ishishini elifanayo lendawo yokuhlala eliqhutywa khona; ukuba nje zonke ezi zinto zifunekayo ziyafikelelwa:

  • Indawo yeyoMbuki Zindwendwe okanye uyiqeshile;
  • Le ndawo ifakiwe kwiwebhusayithi ka-Airbnb; kwaye
  • Le ndawo ibhukishwe ibe isetyenziswa ngumntu oyivumileyo imimiselo yenkonzo ka-Airbnb waza wasebenzisa iwebhusayithi ka-Airbnb. Iindawo zokuhlala ziquka izindlu ezinokuthuthwa, iibhasi, iimoto zokukhempisha, izindlu ezakhiwe emthini nezinye iindawo ezipakiweyo nezisetyenziswa njengeendawo zokuhlala. Izikhephe nezinto zezothutho zasemanzini nazo ziqukiwe ukuba zisetyenziswa njengeendawo zokuhlala.
  1. Umbuki Zindwendwe okanye Ababuki Zindwendwe

Ababuki Zindwendwe bathetha abantu abaqhuba (*) Ishishini Lokuhlala Neendwendwe Ekhayeni Lakho.

  1. Undwendwe okanye Iindwendwe

Iindwendwe zithetha abantu abasebenzisa (*) Ishishini Lokuhlala Neendwendwe Ekhayeni Lakho, kuquka apho bamenywe ngumntu olisebenzisayo nabo basebenzisa ngexesha elinye Ishishini Lokuhlala Neendwendwe Ekhayeni Lakho.

(*) Ishishini Lokuhlala Neendwendwe Ekhayeni Lakho 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 ngentla, ezenziwa ngokuthunyelelwana kwemali kwiWebusayithi Ekwi-intanethi ka-Airbnb.

Ukukhuselwa yi-inshorensi (imimiselo yokubhatalela umonakalo)

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

Izinto ezingaqukwanga

Izinto eziphambili ezingaqukwanga kwiInshorensi Yababuki Zindwendwe eJapan (imithetho ngokubhatalelwa kweengozi zokonakala kwezinto)

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.
  • Izinto zothutho zasemanzini, iinqwelo-moya, iinqwelo zasemajuku-jukwini nee-satelite; kodwa ke, le nto ayizukusebenza kwizinto zothutho zasemanzini ukuba azisetyenziswa ibe zisetyenziswa njengeNdlu.
  • Iimoto; kodwa ke, le nto ayizukusebenza kwiimoto 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, ukulwa kwelinye 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 owenzeke ngexesha elingelilo ixesha apho Indlu ibisetyenziswa Zindwendwe.
  • Umonakalo obangelwe kukungaziphathi kakuhle ngabom okanye ukungakhathali kwaBabuki Zindwendwe.
  • njl.

Iimeko ezininzi apho imali yeinshorensi engabhatalwa kuzo (imithetho yokubhatalelwa ityala lomonakalo ekufuneka libhatalwe)

  • Imfazwe, ukulwa kwelinye 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.
  • Umonakalo obangelwe kukungaziphathi kakuhle ngabom koMbuki Zindwendwe.
  • Ityala elimele libhatalwe lezizalwana ezihlala noMbuki Zindwendwe.
  • Ityala elimele libhatalelwe elibangelwe ziziphene ezifunyenwe ngabasebenzi baBabuki Zindwendwe ngoxa besebenzela Ababuki Zindwendwe.
  • Kwiimeko apho kukho isivumelwano esikhethekileyo sokubhatalelwa komonakalo phakathi koMbuki Zindwendwe nomnye umntu, ukubhatalelwa komonakalo kuxhomekeka kweso sivumelwano.
  • Ityala elimele libhatalelwe elibangelwe ngamanzi ogutyulo okanye imitha emdaka.
  • Ityala elimele libhatalwe elibangelwe ngumsebenzi wengcali owenziwe 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.
  • Ityala elimele libhatalwe elibangelwe kukuba nenqwelo-moya, imoto okanye isithuthi okanye imoyo 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.
  • Ityala elimele libhatalwe elibangelwe ngumsebenzi wokwakha kwindawo eqeshiweyo, njengokulungiswa, ukwandiswa okanye ukuwiswa, ngaphandle kwemeko apho Umbuki Zindwendwe ebezisebenzela.
  • 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 okanye ayilawulayo, 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 yepolisi yeinshorensi. Ukuze ucele ikopi yepolisi yeinshorensi, nceda uqhakamshelane ne-Marsh Japan, Inc. uze uquke inkcazelo yeakhawunti yakho ka-Airbnb.

Inkampani efumaneka kuyo i-inshorensi

Sompo Japan Insurance Inc.