01 ngo 05
Ngaba Kuyimfuneko Ukuqinisekisa Uhambo Lwakho?
Ukuthenga okanye ukungathengi? Lo ngumbuzo ezininzi iintsapho zibuza malunga ne- inshurensi yokuhamba .
Mhlawumbi isizathu esikhulu sokuthenga i-inshorensi nje kukukhusela utyalo-mali lwakho lweeholide. Ulondolozile ikhefu lakho kunye ne-inshorensi yindlela yokukhusela ukuthenga kwakho, unike uxolo lwengqondo ukuba utyalo-mali obunzima obuthatyathekileyo luhlanganiswe. Ukuba kukho into engahambi kakuhle, mhlawumbi ngaphambi okanye ngexesha lokuhamba, awuyi kulahleka.
Inkolelo enkulu engafanelekanga abantu abanayo malunga ne-inshurensi yokuhamba kukuba yindlela yokuhamba kwelinye ilizwe okanye ukuba inikezela ngeendleko zonyango kuphela . Enyanisweni, i-inshurensi yokuhamba iyakwazi ukugqithisa ngaphezu koko. Okokuqala, i-inshurensi yokuhamba ihamba iindwendwe zasekhaya kunye nohambo lwamazwe ngamazwe.
Ngokusoloko kubonakala ngathi iipilisi ziyazi ixesha elibi kakhulu lokuhlasela abantwana abanobuchopho, ngokuqhelekileyo ngaphambi kwesiganeko esikhulu-njengeholide ehleliweyo. I-inshorensi yokuhamba uye wagubungela ukuba uyagula okanye uyalimala ngaphambi kokuba uhambe ekhaya.
Ngaphandle kwezonyango, inokunikezela ngokukhawuleza ukukhanselwa nokuphazanyiswa, ukulibaziseka kokuhamba kunye nokulahlekelwa kwemithwalo kunye nokuphuma kwonyango. Ukongezelela, i-inshurensi yokuhamba inikezela ngendleko yomthwalo ngamnye weendwendwe kunye neempahla zakhe, ngoko ke ukuba kukho into elahlekileyo, izinto ezifakelwayo zifakwe, kwithuba elifutshane. Izicwangciso ezininzi zee-inshorensi zokuhamba ziza kunye neenkonzo zokuncedisa uhambo lwe-24/7 ezinokunceda abahamba kwakhona ukuba babuye iindiza kunye neehotele, ukulandelela imithwalo elahlekileyo, ukulungiswa kwezonyango ezingxamisekileyo kunye nokunye okuninzi.
02 we 05
Ziziphi iintlobo zeehambo ezifuna i-inshurensi yokuhamba?
I-inshurensi yokuhamba ingaba luncedo kungakhathaliseki ukuba uluphi uhlobo lohambo othabathayo okanye apho uya khona. Ngamanye amaxesha uhambo olubi lwenzeka nje kubantu abalungileyo. Umhambi akaze azi ukuba xa kubangelwa imozulu, xa befumana ukulimala okanye xa befuna ukubuyela endizeni okanye ihotele emva kokulibaziseka.
Isiqhwithi uMateyu ngo-2016 ngumzekelo ogqwesileyo. Nangona iimeko kunye neemeko zezicwangciso ziyahlukahluka, abahambayo bathenge iplani ye-inshurensi yokuhamba ngokufanelekileyo ngaphambi kokuba iqhwithi libizwe ligama lingabhekiswa ukuba bafuna ukukhansela uhambo lwabo ukuya kwi-East Coast okanye ukuba indawo yabo yokugqibela yayingabikho. Ngamafutshane, i-inshurensi yohambo ingakufihla ngokungafunekiyo.
03 we 05
Nguwuphi Umthombo Owufunayo Ngexesha Lamaqhwithi?
Kyle Simourd / Flickr Creative Commons Ukuhamba ngexesha lenkwenkwezi ? Abahambi kweli meko mabaqiniseke ukuba bathenge isicwangciso esinikela ngokukhawuleza ukukhanselwa kohambo, ukulibaziseka nokuphazamiseka. Oku kungena ngokufanelekileyo ukuba isiza-moya sivaliwe ngenxa yemimoya ephakamileyo, uphoqeleka ukuba uphume kwihotele yakho, okanye indlela ohamba ngayo ingapheli ngenxa yamanzi aphezulu. Kwakhona, ukuze ufumane ipolisi efanelekileyo yezidingo zakho zokuhamba, sincoma ukuthetha ne-arhente yokuhamba elayisenisi kunye nokuqhathanisa imigaqo-nkqubo.
Kaninzi:
04 we 05
Xa Ufanele Uthenge i-Intshurensi Yokuhamba?
Ukuba uhamba ngethuba lonyaka xa isimo sezulu singenakulinganiswa, yinto efanelekileyo yokuthenga i-inshorensi. Kwiintsapho, nayiphi na ukulibaziseka okungalindelekanga kunokubangela ukuphazamiseka okuphawulekayo kunye neendleko. Iinjongo ezininzi ze-inshorensi zibandakanya nayiphi na iindleko ezongezelelweyo kunye neziganeko ezenzekayo xa kwenzeka ukubambezeleka, ukusuka ekutya ukuya kwihotele.
Umthetho omnene wezothutho ukuthenga iplani ye-inshurensi yokuhamba emva kokuba wenze uhambo lwakho lokuhamba. Ukuba ukhangele ukufumana ukukhutshwa kwemvula, umzekelo, kuya kufuneka ukuba uthenge umgaqo-nkqubo ngaphambi kokuba iqhutywe ligama. Abatshutshisi banikezela ukukhanselwa kohambo kwaye "bakhansele nayiphi na isizathu" ukuphuculwa, kodwa ngokuqhelekileyo bahamba kunye neemfuno ezithile zokuthenga. Ukongezelela, abaninzi abahamba ngee-insurer banikezela "ukukhishwa kwemeko ekhoyo ngaphambili" engenakongezwa kwizicwangciso ezithile.
05 we 05
Kuphi Ufanele Uthenge i-inshurensi yokuhamba?
Inkonzo yomshuwalense mhlawumbi ifikeleleke kunokuba ucinge.
Akukaze kube yinto efanelekileyo yokuthenga i-inshorensi ukusuka kwinqanaba elifanayo lokuhamba, indawo yokuthabatha, okanye uhambo lokuhamba apho uthenge khona uhambo lwakho, ngenxa yokuba izicwangciso zabo ziyakuthi zithandeke ngaphezu kwazo.
Ukuthenga isicwangciso se-inshurensi yohambo lwesithathu, njengalezo ezifumaneka kwi-TravelGuard.com, ngokuqhelekileyo kunokubonelela ngokubanzi okujoliswe kuyo okanye okubanziyo kwenkxaso kunye nezoncedo. Ezinye iiwebhusayithi, ezifana ne-InsureMyTrip.com, maye uqhathanise izicwangciso ezahlukeneyo ezivela kwiintlobo ezahlukeneyo zabanikezeli bomshuwalense kwaye ukhethe okulungileyo kwintsapho yakho.
Kwakhona, abathengi bamele bakhumbule ukufunda ulwimi lwepolisi ngaphambi kokuba bathenge nayiphi na inkqubo ye-inshurensi yokuhamba, kwaye bacinge ngezinto ezifana nomthengi ongagqibekanga, oqhelekileyo ufumaneke ngeenkqubo zomshuwalense wokuhamba nge-third party.