Qinisekisa ukuba uthenga i-inshurensi yakho yokuhamba ngaphambi kokuba kwenzeke
Enye yeemeko ezininzi eziqhelekileyo eziqhelekileyo zinikezwa ngumgaqo-nkqubo we-inshurensi yokuhamba "yinto eyaziwayo." Abantu abaninzi baya kubona oku, okanye baxeliswe ngolu hlobo xa bethenga umgaqo-nkqubo we-inshurensi yokuhamba. Kodwa lithetha ntoni eli gama? Kwaye unokuyithintela njani umgaqo-nkqubo womshuwalense wakho wokuhamba, nangona ufihliwe?
Ngenxa yobume bomshuwalense wokuhamba, abaninzi be-inshorensi abaninzi baya kunqaba ukuhlawula amabango "anokuqikelelwa kwangaphambili." Kwiimeko ezininzi, xa ichanekile "isiganeko esaziwayo", inkampani yomshuwalense yokuhamba iya kunqaba ukuhlawula naziphi na izimangalo eziyimiphumo ngqo yimeko ukuba awuzange uthenge umgaqo-nkqubo wakho womshuwalense ngaphambi kokuba umcimbi uphawule.
Imicimbi eyaziwayo inokuthabatha imilo ehlukahlukeneyo kunye neefom, ukususela kwimpucuko yemfazwe yendawo ukuya kwientlekele zemvelo. Kwaye ukuba ubanjwe phakathi "kweso siganeko," unokushiywa ngokwakho ukuhamba kwimeko - ngaphandle kokuncediswa ngumnikezeli womshuwalense wakho wokuhamba.
Ngoko ke uluhlobo luni lweemeko ezifanelekile "njengesiganeko esaziwayo" kwi-inshurensi yehambo yokuhamba? Ukuba unokrokra ukuba enye yeziganeko ezithathu zingathintela uhambo lwakho, uya kufuna ukuthenga i-inshurensi yakho yokuhamba ngokukhawuleza xa uqinisekisa uhambo lwakho.
Iintshukumo zomoya
NgoSeptemba ka-2014, i-Air France yabhengeza isiteyibhenyithi, ukukhusela ukunyusa kwenkampani yexabiso eliphantsi kweYurophu. Isiteyathelo seveki ezimbini sichitha amawaka eenqwelo zomoya kwi-Air France evela kwihlabathi lonke, kwaye ixabisa i-flag yeFlegi ephethe iirandi ezingama-353 yezigidi. Isiteleka saye saxosha amaninzi eenqwelo zeenqwelo zeenqwelo-moya ngethuba lexesha, ukuphazamisa amawaka abantu abathengi phakathi kwehlabathi.
Ngenxa yokuba imanyano yabaqhubi bamemezela kuMoya oyiFransi kunye noluntu ukuba imivutshane yayisondele, loo mcimbi wabuya waba "isiganeko esaziwayo" se-inshurensi yokuhamba nge-inshorensi emhlabeni jikelele. I-Guard Guard, enye yeenkampani ezinkulu ze-inshurensi yokuhamba e-United States naseKhanada, zayeka ukunikwa i-inshurensi yokuhamba ngenqwelo-moya ye-Air France kwimigaqo-nkqubo ethengwe ngomhla okanye emva kweSeptemba 14, 2014.
Ngenxa yokuba i-inshorensi yokuhamba ihlala ithengwa njengomgaqo-nkqubo wezehloko ezingalindelekanga, isiteyi esichaziweyo singenakufanelekela ukufumana izibonelelo. Emva kokubhengezwa, abahambi banesilumkiso esilungileyo sokuba ukuhamba kwabo kungaphazanyiswa ngokukhanselwa kwendiza. Ukuba unomdla wokuba inqwelo yendiza ingasungulwa ngumatyala e-airline, kucetyiswa ukuba uthenge i-inshurensi yokuhamba kunye neyokuqala idizithi kwiihambo zakho, endaweni yokuba emva kokubhengezwa kwesiteleka. Ngaphandle koko, unyanzelekile ukuba ufumane indlela ngaphandle ekhaya uncedo.
Izinhlekelele Zendalo
Ngaphambili ngo-2014, i-volcano yase-Icelandic i-Bardarbunga yayicatshulwa ukuqhuma, emva kokufunyanwa kwemisitho kwindawo yesitopu. Ekugqibeleni i-volcano yaqhuma e-Iceland (Eyjafjallajökull, ngo-2011), ifu elikhulu lomlotha laphonswa esibhakabhakeni, ngokuvala ngokugqithiseleyo iindlela zokuhamba ngeenqwelo zomoya ngaphakathi naseYurophu. Isiphumo saba ngamawaka eenqwelo zeenqwelo zeenqwelo kunye nokulahlekelwa ngokupheleleyo kweedola ezili-1.7 zeebhiliyoni kwi-industry ye-airline ngokupheleleyo. Ngako oko, xa kwakufunyenwe umsebenzi ojikeleze indawo ye-volcano, iinkampani ezininzi ze-inshurensi zokuhamba zikhawuleza ukuvakalisa imeko leyo "isiganeko esaziwayo."
Ezinye iintlekele zemvelo, njengezikhukhula ze-volcano, kunzima ukuqikelela kwaye akunakwenzeka ukuthintela.
Ezinye iziganeko zendalo, njengeziphepho , kulula ukubona ukuza-iinkampani zenkampani yomshuwalense yokuhamba iya kuchaza "isiganeko esaziwayo" ngokukhawuleza ukuba isithwathwa sithiwa. Imozulu kunye neentlekele zendalo zingenakulinganiswa kwaye zingenza iintloko zeeflaya. Ukuba uyazi ukuba uya kuhamba ngexesha lemozulu yexesha eliqhelekileyo, njengexesha leqhwithi, qiniseka ukuba uyazi ukuba zeziphi "imicimbi eyaziwayo" inokuchaphazela umgaqo-nkqubo wakho womshuwalense. Kungenjalo, cinga ukuthenga kakuhle umgaqo-nkqubo phambi kohambo lwakho, ngoko ke ukuba kwenzeka isiganeko, uya kuncedwa ekujongeni imeko ekhoyo.
IMfazwe
NgoFebruwari ka-2014, izenzo zomkhosi kwimimandla yaseCrimea yase-Ukraine zazibonakala zibamba umhlaba wokuhamba. Ngenxa yezenzo, kwaye ukuqhubeka kwemfazwe yomhlaba eyenziwa kwi-Ukraine yonke, iSebe leSizwe lase-US likhuphe isilumkiso sokuhamba, icebisa abemi baseMerika ukuba baphephe ukuhamba okungabalulekanga kuhlanga.
Kungekudala emva kokuba iziganeko zaqala ukunyuka, iinkampani zomshuwalense yehambo zaqala ukuvakalisa imeko ngokuthi "isiganeko esaziwayo." Umnikezeli we-inshurensi uTay Leg wachaza ukuba, ngo-Matshi 5, izicwangciso ze-inshorensi zokuhamba zazingasayi kulungele ukuhamba e-Ukraine, ukuphepha zonke iindleko ze-inshurensi zokuhamba eziya kubahlali ukuya kuloo ndawo.
Kukho ezininzi kwiindawo ezihlala ziphantsi kweengxaki zezopolitiko, kunye nemisebenzi yokulwa emasondweni. Ukuba unenkxalabo malunga nendlela umgaqo-nkqubo womshuwalense wakho ochaphazelekayo ungathinteka ngayo, isinyathelo sokuqala esihle kukujonga iWebhusayithi yeSizwe yezaziso zokuhamba. Ukuba isaziso sokuhamba sivakalisiwe, okanye uceba ukuhamba kwindawo ephantsi kweso saziso sokuhamba, cinga ukuthenga i-inshurensi yokuhamba ngokukhawuleza xa uqinisekisa izicwangciso zakho. Ukongezelela, kule mimandla phantsi kwesaziso sokuhamba, qiniseka ukuba umgaqo-nkqubo wakho womshuwalense uhamba ngokuya kwindawo leyo. Ngaphandle koko, umgaqo-nkqubo wakho awuvumelekanga ukuhamba kwakho.
Ngokuqonda oko kukufanelekelayo "njengesiganeko esaziwayo," unokwenza izigqibo ezingcono xa u-inshurensi yokuhamba iyadingeka kwiintetho zakho. Kwezinye iimeko, ukuthenga i-inshurensi yokuhamba ngokukhawuleza kungekudala kunokukugcina imali kunye nokukhungatheka kwiimeko ezinzima kakhulu.