I-inshorensi yohambo ifumaneka kwaGenerali nase-Europ Assistance

Ukususela ngoJulayi 2022, iindwendwe ezihlala eMerika, eUnited Kingdom, eJamani, eSpeyin, eItali, eIreland, eNetherlands, eAustria nasePortugal zingathenga i-inshorensi yohambo kwiphepha lokuphuma.

Iipolisi zeinshorensi yohambo zinikezelwa yiGenerali 's Europ Assistance Group, ukurhweba phantsi kwegama le-Generali eMerika kunye ne-Europ Assistance e-EU nase-UK.

Kubahlali baseMerika

Ukufaka i-inshorensi ngoxa ubhukisha

Uza kunikwa ithuba lokufaka i-inshorensi yohambo kwiphepha lokuphuma xa ubhukisha i-Airbnb. Ngaphambi kokuba wenze njalo, qiniseka ukuba uhlola iinkcukacha zesicwangciso seinshorensi esinikwayo nezinto ezikhuselweyo ukuze uqinisekise ukuba zikulungele.

Kungekudala emva kokuba ukubhukisha kwakho kuqinisekisiwe, uza kufumana i-imeyile eqinisekisa ukuthenga kwakho i-inshorensi uze unikezele ngekopi yepolisi yakho yeinshorensi. Le imeyile iza kuquka nelinki yephepha lakho lokujonga i-inshorensi, apho unokurhoxisa khona isicwangciso sakho, uqalise ibango, nokunye.

Izinto ezigubungele ipolisi

Ipolisi yeinshorensi yohambo ye-Generali iquka:

• Ukurhoxa ngohambo: Bhatalwa imali efikelela kwi-100% yemali yokubhukisha engabuyiswayo yakwa-Airbnb ukuba urhoxa ngenxa yesizathu esiqukiweyo, njengokuthi: ukulimala okanye ukulimala, ukurhoxiswa kwenqwelo-moya nokulibaziseka ngenxa yemozulu, okanye ukukhutshwa ngokunyanzeleka ngenxa yemozulu.
• Ukulibaziseka kohambo: Ukubuyiselwa imali ngeendleko ezithile ezongezelelekileyo ozifumanayo kuba uhambo lwakho lulibazisekile kangangeeyure eziyi-12 okanye ngaphezulu ngenxa yesizathu esikhuselweyo, njengokuthi: ukulibaziseka kweenqwelo-moya, ukubiwa kwepaspoti, okanye imozulu embi.
• Ezonyango: Buyiselwa iinkonzo zonyango ezilungiselelwe ugqirha ngexesha lohambo lwakho, njenge: iinkonzo zesibhedlele, iinkonzo ze-ambulensi, kunye namayeza oogqirha.
• Imithwalo: Buyiselwa imithwalo elahlekileyo, ebiweyo, okanye eyonakeleyo, amaxwebhu ohambo alahlekile, abiweyo okanye eyonakeleyo, kunye nokusetyenziswa kwamakhadi okuthenga ngetyala angavumelekanga ebudeni bohambo lwakho.

Le polisi ikwanazo nezinye izinto eziluncedo, njengeenkonzo zongxamiseko ezifumaneka imini nobusuku. Ndifowunelwa nje, ungafumana uncedo ngayo nantoni na ukususela ekumemeni izonyango ukuya kucetyiswa ngevenkile yokutyela.

Ukurhoxisa ipolisi yakho

Abahlali baseMerika abangaphandle kweIndiana banokurhoxisa ipolisi yabo yeinshorensi yohambo kwiintsuku eziyi-10 emva kokuthenga ukuze babuyiselwe yonke imali ephezulu. Abahlali baseIndiana banokurhoxisa kwiintsuku eziyi-30 emva kokuthenga. Nceda uqaphele ukuba awukwazi ukuyirhoxisa ipolisi yakho emva kokuba umkile kuhambo lwakho okanye uqalise ibango, nokuba ungakapheli ixesha lokurhoxa.

Ukuze urhoxise ipolisi yakho, vele nje uye kwiphepha lakho lokuvula amagqabantshintshi uze ukhethe ipolisi Yokurhoxa.

Ukufaka ibango

Amabango asholwa nguGenerali ukususela ekuqaleni ukuya ekugqibeleni. Ungaqalisa ibango ngokuya kwiphepha lakho lokujonga isishwankathelo uze ukhethe Qalisa ibango okanye ngokuqhakamshelana noGenerali ngqo.

Indlela yokufumana uncedo

Ukuba unemibuzo malunga nesicwangciso sakho, ufuna uncedo ngebango, okanye ufuna uncedo lohambo, qhagamshelana nenkxaso yabathengi ye-Generali ngokufowunela (866) 757-0010 okanye uthumele i-imeyile@generalitravelinsurance.com. Kwiimeko zongxamiseko zonyango nezokuhamba, fowunela (877) 243-4135.

Ukuba awuhlali eMerika, unokucinga ngokuthenga i-inshorensi yohambo ngaphandle kuka-Airbnb ngqo kwiwebhusayithi yenkampani yeinshorensi yohambo, okanye ngokuthenga kwiwebhusayithi yokuthelekisa.

Ipolisi yeinshorensi yohambo echazwe ngasentla inikezelwa yi-Airbnb Insurance Agency LLC, 222 Broadway, Umgangatho 26, eNew York, N.Y. 10038, (inombolo yelayisensi yaseCalifornia 6001912), enelayisensi njengearhente yeinshorensi kuwo onke amaphondo aseMerika naseSithili saseColumbia, kwaye ibhalwe nguGenerali US Branch (NAIC #11231) yaseNew York, N.Y. Generali US Branch isebenza kwezi zisebenza kwezi zithungo zilandelayo phantsi kwala magama: California: Generali Assicurazioni Generali S.p.A. (U.S. Branch). Ipolisi yeinshorensi kunye neenkonzo zichazwe ngokuqhelekileyo kwaye zixhomekeke kwiimeko ezithile kunye nezinto ezingaqukwanga.

Kuba bahlali UK

Ukufaka i-inshorensi ngoxa ubhukisha

Uza kunikwa ithuba lokufaka i-inshorensi yohambo kwiphepha lokubhatala xa ubhukisha kuAirbnb. Ngaphambi kokuba wenze njalo, qiniseka ukuba uhlola iinkcukacha zepolisi yeinshorensi oyifumanayo ukuze uqiniseke ukuba ikulungele. Uxwebhu Lwemveliso Yeinshorensi (IPID), olufumaneka kwiphepha lokuphuma, luqulethe ushwankathelo lwezinto eziqukiweyo nezingaqukwanga. Imimiselo Nemiqathango Yepolisi, efumaneka nakwiphepha lokuphuma, inemimiselo nemiqathango epheleleyo esebenzayo.

Kungekudala emva kokuba ukubhukisha kwakho kuqinisekisiwe, uza kufumana i-imeyile eqinisekisa ukuthenga kwakho i-inshorensi uze unikezele ngekopi yepolisi yakho yeinshorensi. Le imeyile iza kuquka nelinki yephepha lakho loshwankathelo lweinshorensi, apho unokulawula ipolisi yakho, uqalise ibango, nokunye.

Izinto eziqukiweyo kwipolisi

Ipolisi yeinshorensi yokuhamba ye-Europ Assistance iquka:

• Ukurhoxa ngohambo: Bhatalwa imali efikelela kwi-100% yemali yokubhukisha engabuyiswayo yakwa-Airbnb ukuba urhoxa ngenxa yesizathu esiqukiweyo, njengokuthi: ukugula kakhulu okanye ukwenzakala, ukulibaziseka kwenqwelo-moya ngenxa yokwahlukana komatshini, okanye intlekele yendalo ekhayeni lakho okanye kwindawo oya kuyo.
• Ukulibaziseka kohambo: Bhatalwa ngeendleko ezongezelelekileyo ozenzayo kuba uhambo lwakho lulibaziseka kangangeeyure eziyi-12 okanye ngaphezulu ngenxa yesizathu esiqukiweyo, njengokuthi: isiphango, umlilo, okanye isikhukula kwindawo yokuhamba, ukwahlukana kwemoto yakho, okanye ukulahlekelwa ngamaxwebhu okuhamba okanye imali.
• Uncedo lwezonyango: Fumana imbuyekezo yeendleko zonyango ozenzayo ngoxa uhamba phesheya, ezifana: neendleko zokulaliswa esibhedlele, amayeza amiselwe ngugqirha, okanye uhambo lwe-ambulensi oluyalelwe ngugqirha.
• Imithwalo: Buyiselwa imali ukuba imithwalo yakho ilahlekile ngokuqinisekileyo, okanye yonakaliswe ngumthwali wakho.

Le polisi iza nezinye izinto eziqukiweyo nezincedayo, ezifana neenkonzo zongxamiseko nohambo imini nobusuku. Ngokufowunela nje, unokufumana uncedo ngako nakuphi na ukusuka ekumenyweni kwezonyango ukuya kwiindawo zokutyela ezicetyiswayo.

Izinto ezingaqukwanga

• Iimeko zonyango ezikhoyo ngaphambili: Ukuba uhamba ngeemeko zonyango, kusenokufuneka ukhuselwe ngakumbi okanye enye into. Ukuze ufumane inkcazelo, qhakamshelana ne-Money and Pension Service ngokufowunela +44 80 0138 7777 okanye ukukhangela ulawulo lwabo oluqinileyo lwekhava yezonyango. 
• Iindleko ezithile zokuhamba: Iindleko zokuhamba (kuquka iinqwelo-moya, oololiwe nezikhephe) ukuya nokubuya kwindlu yakho ka-Airbnb.

Ukurhoxisa ipolisi yakho

Abahlali baseUK banokurhoxisa ipolisi yabo zingekapheli iintsuku eziyi-14 emva kokuthenga baze babuyiselwe yonke imali yexabiso eliphezulu. Nceda uqaphele ukuba awukwazi ukuyirhoxisa ipolisi yakho emva kokuba uphumile kuhambo lwakho okanye uqalise ibango, nokuba upholile kwiintsuku eziyi-14.

Ukuze urhoxise ipolisi yakho, yiya nje kwiphepha loshwankathelo lwezinto eziqukiweyo uze ukhethe ipolisi yokurhoxa.

Ukufaka ibango

Amabango aphathwa yi-Europ Assistance ukususela ekuqaleni ukuya ekugqibeleni. Unokuqalisa ibango ngokuya kwiphepha lakho loshwankathelo lokukhuselwa uze ukhethe indawo ethi Qalisa ibango okanye ngokuqhakamshelana ngqo ne-Europ Assistance.

Indlela yokufumana uncedo

Ukuba unemibuzo ngepolisi yakho, ufuna ukuncedwa ngebango, okanye ufuna ukuncedwa kuhambo qhakamshelana ne-Europ Assistance ngokufowunela +44 203 7888 656 okanye uthumele i-imeyile ku infoairbnb@roleurop.com.

Kubahlali baseUK, i-inshorensi yohambo ibhalwe yi-Europ Assistance S.A. UK Branch.

I-Europ Assistance SA ilawulwa ligunya le-Supervisory laseFransi (ACPR), 4, indawo yaseBudapest, CS92459 - 75436 Paris Cedex 09, eFransi. I-Europ Assistance S.A. UK isebe igunyazisiwe yiPrudential Regulation Authority. Ngokuxhomekeke kummiselo weGunya loQoqosho lwezeMali kunye nommiselo omiselweyo weGunya loMmiselo wePrudential. Iinkcukacha malunga nobungakanani bomgaqo wethu yiPrudential Regulation Authority ziyafumaneka xa zicelwa.

Kubahlali baseUK, le inshorensi yohambo ilungiselelwe nguAirbnb UK Services Limited. IAirbnb UK Services Limited ngummeli omiselweyo weAon UK Limited, ogunyazisiweyo kwaye olawulwa yiGunya Lezemali Lokuziphatha. Inombolo yokubhalisa ye-Aon UK Limited ye-FCA ngu-310451, unokujonga oku ngokutyelela iRejista yeeNkonzo zeMali | i-FCA okanye ufowunele 0800 111 6768. I-inshorensi Yohambo iyafumaneka kwiindwendwe ezineminyaka eyi-18 nangaphezulu. Kukho imimiselo nemiqathango epheleleyo. FP.AFF.343.LC

Kubahlali be-EU

Ukufaka i-inshorensi ngoxa ubhukisha

Ukuba ungumhlali welinye lamazwe achazwe apha ngasentla, uza kunikwa ithuba lokufaka i-inshorensi yohambo kwiphepha lokuphuma xa ubhukisha kuAirbnb. Ngaphambi kokuba wenze njalo, qiniseka ukuba uhlola iinkcukacha zepolisi yeinshorensi oyifumanayo ukuze uqiniseke ukuba ikulungele. Uxwebhu Lwemveliso Yeinshorensi (IPID), olufumaneka kwiphepha lokuphuma, luqulethe isishwankathelo sezinto eziqukiweyo nezingaqukwanga.

Kungekudala emva kokuba ukubhukisha kwakho kuqinisekisiwe, uza kufumana i-imeyile eqinisekisa ukuthenga kwakho i-inshorensi uze unikezele ngekopi yepolisi yakho yeinshorensi nawo onke amaxwebhu anyanzelekile. Le imeyile iza kuquka nelinki yephepha lakho loshwankathelo lweinshorensi, apho unokulawula ipolisi yakho, uqalise ibango, nokunye.

Izinto eziqukiweyo kwipolisi

Ipolisi yeinshorensi yokuhamba ye-Europ Assistance iquka:

• Ukurhoxa ngohambo: Bhatalwa imali efikelela kwi-100% yemali yokubhukisha engabuyiswayo yakwa-Airbnb ukuba urhoxa ngenxa yesizathu esiqukiweyo, njengokuthi: ukugula kakhulu okanye ukwenzakala, ukulibaziseka kwenqwelo-moya ngenxa yokwahlukana komatshini, okanye intlekele yendalo ekhayeni lakho okanye kwindawo oya kuyo.
• Ukulibaziseka kohambo: Bhatalwa ngeendleko ezongezelelekileyo ozenzayo kuba uhambo lwakho lulibaziseka kangangeeyure eziyi-12 okanye ngaphezulu ngenxa yesizathu esiqukiweyo, njengokuthi: isiphango, umlilo, okanye isikhukula kwindawo yokuhamba, ukwahlukana kwemoto yakho, okanye ukulahlekelwa ngamaxwebhu okuhamba okanye imali.
• Uncedo lwezonyango: Fumana imbuyekezo yeendleko zonyango ozenzayo ngoxa uhamba phesheya, ezifana: neendleko zokulaliswa esibhedlele, amayeza amiselwe ngugqirha, okanye uhambo lwe-ambulensi oluyalelwe ngugqirha.
• Imithwalo: Buyiselwa ukuba imithwalo yakho ilahlekile ngokuqinisekileyo okanye yonakaliswe ngumthwali wakho.

Le polisi iza nezinye izinto eziqukiweyo nezincedayo, ezifana neenkonzo zongxamiseko nohambo imini nobusuku. Ngokufowunela nje, unokufumana uncedo ngako nakuphi na ukusuka ekumenyweni kwezonyango ukuya kwiindawo zokutyela ezicetyiswayo.

Ukurhoxisa ipolisi yakho

Abahlali base-EU banokurhoxisa ipolisi yabo zingekapheli iintsuku eziyi-14 emva kokuthenga baze babuyiselwe yonke imali yexabiso eliphezulu. Nceda uqaphele ukuba awukwazi ukuyirhoxisa ipolisi yakho emva kokuba uhambile okanye uqalise ibango, nokuba uphakathi kwexesha leentsuku eziyi-14 lenceba.

Ukuze urhoxise ipolisi yakho, yiya nje kwiphepha loshwankathelo lwezinto eziqukiweyo uze ukhethe ipolisi yokurhoxa.

Ukufaka ibango

Amabango aphathwa yi-Europ Assistance ukususela ekuqaleni ukuya ekugqibeleni. Unokuqalisa ibango ngokuya kwiphepha lakho loshwankathelo lokukhuselwa uze ukhethe indawo ethi Qalisa ibango okanye ngokuqhakamshelana ngqo ne-Europ Assistance.

Indlela yokufumana uncedo

Ukuba unemibuzo ngepolisi yakho, ufuna uncedo ngebango, okanye ufuna uncedo kuhambo:

• Abahlali baseOstriya: Qhakamshelana ne-Europ Assistance ngokufowunela +43 120 609 2205 okanye uthumele i-imeyile ku infoairbnb@roleurop.com.
• Abahlali baseJamani: Qhakamshelana ne-Europ Assistance ngokufowunela +49 302 238 4619 okanye uthumele i-imeyile ku infoairbnb@roleurop.com.
• Abahlali baseIreland: Qhagamshelana ne-Europ Assistance ngokufowunela +353 15 41 07 39 okanye uthumele i-imeyile ku infoairbnb@roleurop.com.
• Abahlali baseItali: Qhakamshelana ne-Europ Assistance ngokufowunela +39 02 23 33 14 35 okanye uthumele i-imeyile ku infoairbnb@roleurop.com.
• Abahlali baseNetherlands: Qhagamshelana ne-Europ Assistance ngokufowunela +31 207003745 okanye uthumele i-imeyile ku infoairbnb@roleurop.com. Ukuze uncedwe kuhambo, fowunela +32 2 541 9011.
• Abahlali basePortugal: Qhakamshelana ne-Europ Assistance ngokufowunela +34 915 368 419 okanye uthumele i-imeyile ku infoairbnb@roleurop.com.
• Abahlali baseSpeyin: Qhakamshelana ne-Europ Assistance ngokufowunela +34 915 143 721 okanye uthumele i-imeyile ku infoairbnb@roleurop.com.

Ukuba awuhlali kwelinye lala mazwe, ungacinga ngokuthenga i-inshorensi yohambo ngaphandle kwe-Airbnb ngqo kwiwebhusayithi yenkampani yeinshorensi yohambo, okanye ngokuthenga kwiwebhusayithi ethelekiswayo.

Kubahlali base-Europe, i-inshorensi yokuhamba ibhaliswe yi-Europ Assistance SA esebenza esebe layo laseIreland ibe inikezelwa ngumlamli we-inshorensi uAon Iberia Correduria de Seguros y Reaseguros S.A.U kunye ne-Airbnb Marketing Services S.L.U. esebenza njengomntu ongaphandle. I-Europ Assistance SA ilawulwa yi-Autorité de contrôle prudentiel et de résolution (ACPR) eFransi, kwaye isebe layo laseIreland lilawulwa yiBhanki ePhakamileyo yaseIreland ukuqhuba imithetho yezoshishino.. Imigaqo nemiqathango epheleleyo iyasebenza.