Ukuqonda i-inshorensi yohambo yeendwendwe zika-Airbnb

Iimeko zongxamiseko nokuphazamiseka kohambo okungalindelekanga kuyenzeka, kwaye ukungasamkeli isicelo sondwendwe sokubuyiselwa imali kusenokuba nzima. Njengombuki Zindwendwe, ufuna ukuzivela iindwendwe kodwa kusafuneka wenze imali uze uphephe izimvo ezimbi.

Ukuze sizincede bhetele iindwendwe Nababuki Zindwendwe, sisebenzisene neAon kunye neEurop Assistance Group nenkampani ephantsi kwayo yaseMerika, iGenerali Global Assistance, ukuze sibe neinshorensi yohambo yeendwendwe. Sinika iindwendwe kumazwe asithoba ithuba lokukhusela ukubhukisha kwazo kuka-Airbnb kumngcipheko othile xa zibhukisha.

Xa iindwendwe ezithenge ipolisi zirhoxisa ukubhukisha kwazo ngenxa yesizathu esiqukiweyo kuyo, ziza kukwazi ukufaka ibango lokucela ukubuyiselwa imali ukuya kutsho kuyo yonke imali yeendleko zokubhukisha kuka-Airbnb engabuyiswanga. Le nto inokunciphisa amathuba okuba iindwendwe zicele ukubuyiselwa imali Kubabuki Zindwendwe engaqukwanga kwimimiselo yeepolisi zokurhoxa Zababuki Zindwendwe bazo.

Iindwendwe eziseMerika,* eU.K., ** naseYurophu **** (eJamani, eSpeyini, eItali, eIreland, eNetherlands, eAustria nasePortugal) zinokuthenga i-inshorensi yohambo xa zibhukisha uhambo kuAirbnb. Siceba ukwenza i-inshorensi yohambo ifumaneke kwiindwendwe ezikwamanye amazwe kwixesha elizayo.

Sifake into yokuba ukwazi ukukhetha ukuthenga i-inshorensi yohambo xa ubhukisha, ehluka kancinci ngokwendawo. Nantsi indlela esebenza ngayo:

• Xa zibhukisha, iindwendwe zinikwa ithuba lokufaka i-inshorensi yohambo.
• Izikrini ezikhethekileyo ziveza iinkcukacha ngezinto ipolisi eziqukileyo neziphambili ezingaqukwanga.
• Ukuba zinomdla, iindwendwe zivele zifake i-inshorensi yohambo ekubhukisheni kwazo zize zibhatale.

I-inshorensi yohambo yondwendwe yipesenti ethile yeendleko zalo zohambo zonke ibe iza kuvela ikumgca wayo xa kubhatalwa.

Kuxhomekeka kwindawo elikuyo undwendwe, ezi polisi zifumaneka kwiEurop Assistance S.A okanye iGenerali US Branch, iinkampani ezingaphantsi kweGenerali Group, inkampani ehamba phambili yeinshorensi kumazwe amaninzi. Emva kokugqiba ukubhukisha kwazo, iindwendwe ezifake i-inshorensi yohambo ziza kufumana i-imeyile yokuqinisekisa eneenkcukacha zepolisi yazo nenkcazelo ngendlela yokufaka ibango.

Kutshanje sazise ngeAirCover yeendwendwe, ebakhusela kwiingxaki ezingalindelekanga njengeengxaki ezifana nokungachani kwendlu nezinto ezinokusetyenziswa ezibalulekileyo ezingekhoyo.

I-inshorensi yohambo yongeza ukukhuselwa kweendwendwe, kuquka ukubhatalela ukuya kutsho kuyo yonke imali yeendleko zokubhukisha kuka-Airbnb engabuyiswanga ukuba uhambo lwazo luchaphazelwe ziziganeko ezithile, njengemozulu embi, amaxwebhu ohambo abiweyo okanye ukugula kakhulu.

Ngokomzekelo, ukuba Umbuki Zindwendwe ubuyisa i-50% yeendleko zokubhukisha kuka-Airbnb ngokusekelwe kwipolisi yakhe yokurhoxa, i-inshorensi yohambo inokubuyisela ukuya kutsho kwi-50% eshiyekileyo ukuba undwendwe lurhoxa ngenxa yesizathu esikhuselweyo. Inkampani yeinshorensi ayizukuzama ukubuyiselwa imali Ngumbuki Zindwendwe ukuba undwendwe lufaka ibango leinshorensi yohambo.

Xa kubhukishwe nge-31 kaMeyi 2022 nasemva koko, ukuba neCOVID-19 akusajongwa njengemeko ongenakuyinceda. (Kusebenza iipolisi ezahlukileyo xa kubhukishwa indawo yasekuhlaleni eMzantsi Korea naxa kubhukishwa iLuxe.) Ukuba undwendwe lurhoxisa ukubhukisha kwalo kuba lugula yiCOVID-19, kuza kusebenza ipolisi yokurhoxa Yombuki Zindwendwe.

Iindwendwe ezithenga i-inshorensi yohambo zinokukhuselwa xa ziye zagula yiCOVID-19 (xa ziye zafunyaniswa zinayo ngugqirha osemthethweni) kwaye yonke eminye imimiselo ifikelelwe.

*Xa iindwendwe ziseMerika, i-inshorensi yohambo iza kufumaneka kwiAirbnb Insurance Agency LLC, 222 Broadway, Floor 26, New York, N.Y. 10038, (inombolo yelayisensi yaseCalifornia 6001912), eyinkampani yeinshorensi esemthethweni kuwo onke amaphondo aseMerika nakwiNgingqi yaseColumbia, ibe iphantsi kweGenerali US Branch (NAIC #11231) of New York, N.Y. Izinto ezifumaneka kwipolisi yeinshorensi zichazwe ngendlela eqhelekileyo ibe ziphantsi kwemiqathango ethile kwaye zinezinto ezingaqukwanga.

**Xa iindwendwe ziseU.K., i-inshorensi yohambo iphantsi kweEurop Assistance SA. IEurop Assistance SA igunyaziswe kwaye ilawulwa yiMinistere de l’Economie et des Finances Direction du Tresor Service des Affaire, France. Igunyaziwe yiPrudential Regulation Authority, U.K. Iphantsi kwemithetho yeFinancial Conduct Authority nemimiselo elinganiselweyo yePrudential Regulation Authority eU.K. uhlobo kunye nomlinganiselo wokukhuselwa kwabathengi kunokwahluka kuleyo yenkampani eziseU.K. Iinkcukacha Zemimiselo Yemvume Yokwexeshana, evumela iinkampani ze-EEA ukuba zisebenze eU.K. okwexeshana ngoxa zifuna imvume epheleleyo, iyafumaneka kwiwebhusayithi yeFinancial Conducy Authority. I-inshorensi yohambo ilungiselelwe yiAirbnb UK Services Limited. IAirbnb UK Services Limited ngummeli omiselweyo weAon UK Limited, egunyaziswe nelawulwa yiFinancial Conduct Authority. Inombolo yokubhalisa yeFCA yeAon UK Limited ngu-310451, ungayihlola le nto ngokuya kwiFinancial Services Register okanye ufowunele u-0800 111 6768. I-inshorensi yohambo iyafumaneka kwiindwendwe ezineminyaka eyi-18 nangaphezulu. Imimiselo nemiqathango epheleleyo iyasebenza. FPAFF319LC

*** Xa iindwendwe zise-EU, i-inshorensi yohambo ifumaneka kwiEurop Assistance S.A., esebenza phantsi kweSebe layo laseIreland. UEurop Assistance S.A. igunyaziswe yiAutorité de Contrôle Prudentiel et de Résolution (ACPR) eFransi ibe iphantsi kwemithetho yokuqhuba amashishini yeCentral Bank of Ireland. I-inshorensi yohambo ifumaneka kwinkampani yeinshorensi esebenzisana neAon Iberia Correduria de Seguros y Reaseguros S.A.U. incediswa yiAirbnb Marketing Services S.L.U. esebenza njengenkampani encedisayo yangaphandle. Iofisi ebhalisiweyo yeAon ise-C/ Rosario Pino, no. 14-16, C.P. 28020 eMadrid, eSpeyini. IAon ibhaliswe kwiCommercial Registry of Madrid kwiPhepha M-19857, Umqulu 1577, Iphepha 122, inombolo yokubhalisa yerhafu ngu-A-28109247, ibe ibhalisiwe kwiDirectorate-General of Insurance and Pension Funds’ Register of Insurance and Reinsurance Distributors phantsi kwenombolo J-0107. IAon inemali efunekayo neinshorensi yokubhatalela ityala echazwe kwiSpanish Royal Decree-law 3/2020. Izinto ezifumaneka kwipolisi yeinshorensi zichazwe ngendlela eqhelekileyo ibe ziphantsi kwemiqathango ethile kwaye zinezinto ezingaqukwanga.

Inkcazelo ekweli nqaku isenokuba itshintshile emva kokuba lipapashiwe.