I-inshorensi yokuhamba inokuba lukhuseleko lwabahambi rhoqo kunye nabaqhelekileyo ngokufanayo, inika ukhuseleko kwiijijiko ezingalindelekanga kunye nokuguquka okunokwenzeka ngaphambi okanye ngexesha lohambo. Ukusuka kwimithwalo elahlekileyo ukuya kwiimeko eziphuthumayo zonyango, ipolisi ye-inshurensi yokuhamba efanelekileyo inokunciphisa imithwalo yemali kwaye inike uxolo lwengqondo.

Ukuba awukaqinisekanga, sikunika konke okufuneka ukwazi malunga nokuba kutheni ukuthenga i-inshurensi yokuhamba kuhambo lwakho lwasekhaya okanye lwamazwe ngamazwe kufanelekile.

YINTONI I-INSHORENSI YOHAMBO?

I-inshurensi yokuhamba ngumgaqo-nkqubo othengwe ngabahambi ukuhlawula ilahleko engalindelekanga eyenzeka ngexesha lokuhamba, ukusuka kwizinto eziphazamisayo ezincinci ezifana nokulibaziseka kwemithwalo ukuya kwimiba emikhulu efana neemeko ezingxamisekileyo zonyango okanye ukurhoxiswa kohambo. Umgaqo-nkqubo ngamnye uyahluka ngokokhuseleko kunye neendleko, ngokuxhomekeke kumboneleli, indawo ekuyiwa kuyo, kunye nemisebenzi ecwangcisiweyo.

IINZUZO EZINGUNDOQO ZE-INSHORENSI YOHAMBO

Ezi zezinye zeendleko eziphambili ozifumanayo xa uthenga i-inshurensi yokuhamba yohambo lwakho lwamazwe ngamazwe okanye lwasekuhlaleni:

Uncedo lwezonyango: Mhlawumbi owona mba ubaluleke kakhulu kukuba ubandakanya iimeko zikaxakeka zonyango kunye namazinyo kumazwe aphesheya, ezinokubiza kakhulu ngaphandle kwe-inshurensi.
Ukurhoxiswa kohambo/uphazamiseko: Ukuba kufuneka urhoxise okanye unqumle uhambo lwakho lube lufutshane ngenxa yeziganeko ezingalindelekanga ezifana nokugula, ukusweleka kusapho, okanye nokuphelelwa ngumsebenzi, i-inshurensi yokuhamba inokukubuyisela ngeendleko ezihlawulelwe kwangaphambili, ezingabuyiswayo.
Ukukhuselwa kwemithwalo: Olu khuselo lubonelela ngembuyekezo yomthwalo olahlekileyo, obiweyo okanye owonakeleyo.
Ulibaziseko lweFlight kunye nokuRhoxiswa: Nge-inshorensi yokuhamba, iindleko ezongezelelweyo ezenziwe ngenxa yokulibaziseka okanye ukurhoxiswa ziyahlawulwa.
Ukukhutshwa ngokuNgxamisekileyo: Oku kuhlawulela isithuthi ukuya kwiziko lezonyango ngenxa yengxakeko yonyango kwaye, kwiimeko ezinzima, ubuyele kwilizwe lakho.

IINTLOBO EZAHLUKENEYO ZE-INSHORENSI YOHAMBO EZIFUMANEKAYO

Iindidi ezahlukeneyo zeenkampani zomshuwalense kunye neebhanki zibonelela ngoluhlu olubanzi lwemigaqo-nkqubo. Nazi ezinye zeepolisi ze-inshurensi zokuhamba ezinikezelwayo:

I-Inshurensi yokuHamba ngohambo olunye: Olu lolona hlobo luxhaphakileyo lwe-inshurensi yokuhamba, egubungela uhambo oluthile, ukusuka ekuphumeni ukubuya. Ilungele abahambi abathatha uhambo olunye okanye kabini ngonyaka.
I-Inshurensi yoNyaka okanye yee-Multi-Trip: Yenzelwe abahambi rhoqo, lo mgaqo-nkqubo ubandakanya zonke iihambo ezenziwe ngonyaka. Ngelixa kubiza kakhulu ngaphambili, kunokubonelela ngogcino olubalulekileyo kwabo bahambayo amaxesha amaninzi ngonyaka.
I-Inshurensi yokuHamba yeQela: Ilungele amaqela ahamba kunye, anje ngokudibana kosapho, uhambo lwesikolo, okanye uhambo lwenkampani. Le migaqo-nkqubo inokubonelela ngesaphulelo xa kuthelekiswa nemigaqo-nkqubo yomntu ngamnye.

INDLELA YOKUFAKA IBANGO

Ukuba kufuneka usebenzise i-inshurensi yokuhamba, ukwazi inkqubo yamabango kunokuphucula amava akho. Amaxwebhu ngundoqo—gcina iirekhodi ezineenkcukacha kunye neerisithi zazo zonke iindleko ezinxulumene nebango lakho. Qhagamshelana ne-inshurensi yakho ngokukhawuleza ukuba ubazise ngemeko yakho kwaye ufumane imiyalelo malunga nenkqubo yamabango, ebandakanya ukugcwalisa ifom yebango kunye nokuyingenisa kunye namaxwebhu akho.

INDLELA YOKUYIKHANGELA I-INSHORENSI YOHAMBO

Iimeko ziyatshintsha, kwaye ngamanye amaxesha, kuba yimfuneko ukurhoxisa ipolisi ye-inshurensi yokuhamba. Nokuba kungenxa yokuba uye walurhoxisa uhambo lwakho okanye ufumene ipolisi efanelekileyo, nantsi indlela yokurhoxisa akho inshurensi yokuhamba:

Phonononga iMigaqo yokuRhoxiswa kwePolisi yakho: Phambi kokuba uqhubeke, qonda imigaqo ethile yepolisi yakho malunga nokurhoxiswa, kubandakanywa naziphi na iintsuku ezibekiweyo okanye iintlawulo.
Qhagamshelana noMboneleli wakho we-Inshurensi: Xhumana nawe ngokukhawuleza xa usazi ukuba kufuneka urhoxise. Oku kunokwenziwa ngefowuni, nge-imeyile, okanye ngewebhusayithi ye-inshurensi.
Nikela ngoxwebhu oluyimfuneko: Kusenokufuneka unikezele ngesaziso esibhaliweyo okanye ugcwalise ifomu yokurhoxisa. Lungiselela ukubonelela ngenombolo yakho yepolisi kunye naluphi na olunye ulwazi olufanelekileyo.
Ukulandelisa: Ukuba awufumani siqinisekiso sokurhoxiswa, landelela i-inshurensi ukuqinisekisa ukuba inkqubo igqityiwe.
Imbuyiselo: Kuxhomekeka ukuba urhoxisa nini na, usenokufaneleka ukuba ufumane imbuyiselo epheleleyo okanye inxenye. Imigaqo-nkqubo ihlala ibandakanya ixesha "lokujonga simahla", ngokuqhelekileyo iintsuku ezili-10-14 emva kokuthenga, apho unokukhansela ukubuyisela imali epheleleyo.

IMIGAMA YE-INSHORENSI YOKUHAMBA OKUMELE UYIPHEPHE

Ngelixa i-inshurensi yokuhamba inokuba luncedo kakhulu, kukho imigibe ekufuneka uyiphephe ngaphambi kokuba usayine amaxwebhu ayimfuneko kwaye uthenge:

Ukunganiki inshorensi: Ukukhetha umgaqo-nkqubo wexabiso eliphantsi kunokonga imali ngaphambili kodwa kunokubiza kakhulu ekuhambeni kwexesha ukuba awuzifikeleli iimfuno zakho.
Okungabandakanywanga: Asiyiyo yonke imisebenzi okanye iimeko ezibandakanywayo. Qaphela ukuba ipolisi yakho ingabandakanyi ntoni.
Ukungaphumeleli ukuDiza: Nyaniseka malunga neemeko esele zikhona kunye nobume bohambo lwakho. Ukungaphumeleli ukuxela ulwazi olufanelekileyo kunokukhokelela ekukhanyeni amabango.

QINISEKISA UKUBA UKHETHA UMGAQO-NKQUBO OLUNGILEYO WE-INSHORENSI YOHAMBO

Ukukhetha ipolisi ye-inshurensi yohambo echanekileyo linyathelo elibalulekileyo ekucwangciseni uhambo lwakho, ukuqinisekisa ukuba ukhuseleke ngokwaneleyo kuzo naziphi na iziganeko ezingalindelekanga. Le nkqubo ifuna ukuqonda okucacileyo kweemfuno zakho zokuhamba, kubandakanywa iindawo oza kuzindwendwela, imisebenzi oceba ukuyenza, kunye naluphi na uqwalaselo lobuqu okanye lwezonyango. Okubaluleke ngokulinganayo ngumsebenzi wokuthelekisa ngobuchule unikezelo oluvela kwiinshorensi ezohlukeneyo, ukunikela ingqalelo engqongqo kwimida ye-inshorensi, okungabandakanywayo, ukutsalwa kwemali, kunye nodumo lomnikezeli we-inshurensi.

Ngokuthatha ixesha lokuvavanya iimfuno zakho kunye nokuvavanya imigaqo-nkqubo ye-inshurensi eyahlukeneyo, unokukhusela isicwangciso se-inshurensi yokuhamba ehlangabezana neemfuno zakho ezithile kwaye inikezela uxolo lwengqondo kulo lonke uhambo lwakho.