I-Japan Host Insurance ikhava izimo lapho uMbungazi* eba nesikweletu noma ezinye izindleko ezihlobene nokulimala kwabanye abantu noma umonakalo wempahla yabanye abantu ngenxa yokuhlala nezivakashi ekhaya lakhe kusetshenziswa inkundla ye-Airbnb, nasezimweni lapho uMbungazi engena ezindlekweni ngenxa yokuthi indlu angumnikazi wayo yonakele ngenxa yokuhlala Kwesivakashi*. Ezimweni lapho impahla yoMbungazi ilimala ngenxa yokuhlala Kwesivakashi, ikhavareji yomshwalense izosebenza lapho impikiswano ephakathi koMbungazi kanye Nesivakashi ingaxazululeki phakathi kwabo futhi uMbungazi ethinta i-Airbnb.

I-Japan Host Insurance iwuhlelo lomshwalense olungaphansi kwe-Sompo Japan Insurance Inc.

ABabungazi abadingi ukukhokhela amaphrimiyamu omshwalense ukuze bathole izinzuzo zohlelo lwe-Japan Host Insurance.

Sicela ubone imininingwane elandelayo ephathelene nekhavareji yomshwalense we-Japan Host Insurance.

Lesi sikhathi somshwalense wohlelo lwamanje lomshwalense sisuka kumhla ka-31 July 2022 kuya kumhla ka-31 July 2023.

Isinxephezelo somonakalo wempahla yoMbungazi
Ngaphansi kwemigomo, imibandela, nokungafakiwe okusebenzayo, ikhavareji ye-Japan Host Insurance izokhokhela ukulimala Kwendlu* kanye nempahla yomuntu siqu uMbungazi angumnikazi wayo* ngenxa yokuhlala Kwesivakashi*. Ikhavareji yomshwalense womonakalo Wendlu eqashwe uMbungazi noma ayiphathisiwe ukuze ayimenenje ingase inikezwe ngaphansi kwamakhavareji engeziwe achazwa ngezansi.

Isinxephezelo ngesibopho soMbungazi ngokulimala noma umonakalo wempahla
I-Japan Host Insurance iphinde futhi ikhave uMbungazi ngomonakalo abhekana nawo ngokulimala noma umonakalo wempahla Yesivakashi noma eyabanye phakathi nokuhlala Kwesivakashi Endlini njengoba ibhukhwe enkundleni ye-Airbnb futhi obangelwe Ibhizinisi Lokuqashisa Ngekhaya.*

Isinxephezelo sezindleko ezitholwe uMbungazi ngezinkokhelo okufanele azenze kwabanye ukuze kuxazululwe izingozi ezihilela ukulimala noma umonakalo wendlu
Ezimweni lapho uMbungazi ebhekana nezindleko ngenxa yenkokhelo okudingeka ayenze ukuze kuxazululwe ingozi ehilela ukulimala komzimba noma ukulimala kwempahla Yesivakashi noma eyabanye, i-Japan Host Insurance ingase isebenze ukuze kukhavwe izindleko uMbungazi abhekene nazo. Ingozi kumelwe ibangelwe Ibhizinisi Lokuqashisa Ngekhaya futhi yenzeke phakathi nokuhlala Kwesivakashi Endlini njengoba ibhukhwe enkundleni ye-Airbnb ukuze ikhavareji isebenze. Ikhavareji ngayinye echazwe ngenhla ingaphansi kwemigomo, imibandela, nokungafakiwe okusebenzayo kwepholisi ye-Japan Host Insurance.

1. Indawo Yokuhlala Ekhaviwe

I-Japan Host Insurance ikhava Indlu uMbungazi angumnikazi wayo, ayiqashile, noma ayiphathisiwe ukuze ayimenenje Yebhizinisi Lokuqashisa Ngekhaya.

(*) Elithi Indlu libhekisela ezindaweni ezigunyaziwe ngaphansi kwe-Hotel Business Act, ezigunyaziwe ngaphansi kwe-National Strategic Special Zones Act, noma eziphawuliwe ngaphansi kwe-Housing Accommodation Business Act, noma ezinye izindawo lapho okuqhutshwa kuzo ibhizinisi lendawo yokuhlala; inqobo nje uma kuhlangatshezwana nezimfuneko ezilandelayo:

2. UMbungazi/ABabungazi

(*) Elithi aBabungazi lisho abntu abahileleke Ebhizinisini Lokuqashisa Ngekhaya abahlinzeka Ngezindlu futhi banelayisense noma bavunyelwe ukuthi benze kanjalo ngokuvumelana nomthetho osebenzayo.

3. Isivakashi/Izivakashi

(*) Izivakashi zisho abasebenzisi Bebhizinisi Lokuqashisa Ngekhaya, okuhlanganisa labo abamenywe ngumsebenzisi kanye nalabo abasebenzisa ndawonye Ibhizinisi Lokuqashisa Ngekhaya.

(*) Ibhizinisi Lokuqashisa Ngekhaya lisho ibhizinisi lehhotela elichazwe ku-Hotel Business Act (Act No. 138 of 1948), ibhizinisi elichazwe ku-National Strategy Special Area Act (Act No. 107 of 2013), noma ibhizinisi lezindawo zokuhlala elichazwe ku-Housing Accommodation Business Act (Act No. 65 of 2017), noma elinye ibhizinisi lendawo yokuhlala elifanayo, kanye nanoma yimiphi imisebenzi eyenziwa ngaphakathi noma ngaphandle kwaleyo Ndlu ehambisana namasevisi angenhla.

Umkhawulo ophezulu osebenzayo phakathi nesikhathi somshwalense ngu-¥100,000,000 JPY ngengozi ngayinye kanye nokungafakiwe okuthile.

Izinto ezingafakiwe Endlini:

• Ikharensi, imali, amatshe ayigugu ohlobo lwe-bullion, amanothi noma izibambiso.
• Umhlaba, amanzi nanoma iyiphi enye into esemhlabeni; kodwa-ke, lokhu ngeke kusebenze ekuthuthukisweni komhlaba onengadi, imigwaqo kanye nezindawo ezigandaywe ngamatshe (kodwa kuyosebenza kunoma yimuphi umhlaba onezelwe noma umhlaba ongaphansi kwaleyo ndlu) noma emanzini aqukethwe kunoma yiliphi ithange elivalekile, noma iyiphi isistimu yamapayipi nanoma yimiphi eminye imishini yokuphrosesa.
• Izilwane, kuhlanganise, kodwa akupheleli, emfuyweni nezilwane ezifuywayo.
• Izingodo ezimile nezitshalo.
• Imikhumbi yamanzi, izindiza, imikhumbi-mkhathi namasathalayithi; nokho, lokhu ngeke kusebenze kunoma iyiphi imikhumbi yamanzi engasebenzi futhi esetshenziswa njengeNdlu.
• Izimoto; nokho, lokhu ngeke kusebenze kunoma iyiphi imoto engasebenzi futhi esetshenziswa njengeNdlu.
• Izimayini ezingaphansi komhlaba noma imigodi yezimayini nanoma iyiphi indlu engaphakathi kwalezo zimayini noma imigodi.
• Amadamu, izindonga zokubiyela nezindonga ezinkulu.
• Indlu esendleleni.
• Izintambo zikagesi ezingamamitha angaphezu kuka-305 ukusuka Endlini.

Izimo eziyinhloko lapho imali yomshwalense ingakhokhelwa:

• Impi, ukusetshenziswa kwamandla ngelinye izwe, ukuvukela umbuso, ukuketula uhulumeni, impi yombango, ukuvukela ngezikhali, noma ezinye izigameko ezifanayo noma izibhelu.
• Ukulimala okudalwe imisebe, ukuqhuma noma omunye umonakalo ngenxa yenyukliya noma ukubola kwenucleus ye-athomu yezinto eziphehla uphethiloli zenuzi noma izinto eziwumthombo we-nuclear, i-radioactive element, i-radioisotope noma impahla engcoliswe yilezo zinto, noma ingozi edalwe yilokho, ngaphandle kwemiphumela yenyukliya noma ukubola kwenyukliya kwe-atomic nuclei kwama-radioisotope asetshenziselwa ezokwelapha, ezesayensi, noma izimboni.
• Ubuphekula.
• Ukusetshenziswa okunonya kwangempela noma okusongelayo kwezinto ezinobuthi zebhayoloji noma zamakhemikhali.
• Umonakalo owenzeka ngaphambi noma ngemva kokuhlala Kwesivakashi Endlini njengoba ibhukhwe enkundleni ye-Airbnb.
• Umonakalo obangelwe ukungaziphathi kahle ngamabomu noma ubudedengu obukhulu kwaBabungazi.
• njll.

• Impi, ukusetshenziswa kwamandla ezweni langaphandle, ukuvukela umbuso, ukuketulwa kukahulumeni, impi yombango, ukuvukela ngezikhali, noma ezinye izigameko ezifanayo noma izibhelu.
• Umonakalo obangelwe imisebe, ukuqhuma noma okunye ukulimala ngenxa yomphumela wenyukliya noma ukubola kwe-atomic nucleus kwezinto eziphehla uphethiloli zenuzi noma izinto eziwumthombo wenyukliya, i-radioactive element, i-radioisotope noma impahla engcoliswe yilezo zinto, noma ingozi edalwe yilokho, ngaphandle kwemiphumela yenyukliya noma ukubola kwe-atomic nuclei kwama-radioisotope asetshenziselwa ezokwelapha, ezesayensi, noma izimboni.
• Umonakalo obangelwe ukungaziphathi kahle ngamabomu kwaBabungazi.
• Izindleko noma umonakalo wezihlobo ezihlala Nababungazi, ngaphandle kwezimo lapho uMbungazi edlulisela isikweletu noma izindleko zezinkokhelo ezidingekayo kulezo zihlobo ngomonakalo weNdlu eqashwe uMbungazi noma ayiphathiswe ukuthi ayimenenje.
• Izindleko noma umonakalo ovela ngenxa yokukhubazeka ngokomzimba okutholwe izisebenzi zaBabungazi ngenkathi zisebenzela aBabungazi.
• Ezimweni lapho kunesivumelwano esikhethekile esiphathelene nesinxephezelo somonakalo phakathi koMbungazi nomunye umuntu, umonakalo unqunywa yileso sivumelwano.
• Izindleko zezingozi noma umonakalo obangelwa amanzi angcolile noma ukukhishwa kwegesi.
• Izindleko zezingozi noma umonakalo ovela emsebenzini ophrofeshinali owenziwe abammeli, abammeli bakwamanye amazwe ababhalisiwe, ababhali bamabhuku abaqinisekisiwe, ababalisi bentela, abaklami bezakhiwo, abaklami, abaphenyi bomhlaba nezindlu, ababhali bomthetho, odokotela bezilwane, noma abanye abantu abanjengalaba.
• Izindleko zezingozi eziwumphumela noma umonakalo ovela ekuphatheni, ekusetshenzisweni, noma ekumenenjeni noma iyiphi indiza, izimoto, noma umkhumbi noma imoto engaphandle kweNdlu, ngaphandle kwanoma yimuphi umonakalo odalwe ukusetshenziswa noma ukuphathwa kwemoto noma umkhumbi noma imoto ngaphandle kwendawo ngenkathi usebenzisa leyo moto noma umkhumbi noma imoto ngaphandle kwesikhungo njengeNdlu.
• Izindleko zezingozi eziwumphumela noma umonakalo ovela emsebenzini wokwakha Indlu eqashiwe noma leyo uMbungazi ayiphathisiwe ukuze ayimenenje, njengokulungisa, ukunwetshwa noma ukubhidlizwa, ngaphandle uma uMbungazi ubehilelekile kulowo msebenzi.
• Izindleko zezingozi noma umonakalo ophumele ekulimaleni kweNdlu eqashiwe noma ephathiswe uMbungazi ukuze ayimenenje obangelwe ukuzamazama komhlaba, ukuqhuma, izikhukhula, ama-tsunami, noma isenzakalo sezemvelo esifanayo, ngaphandle kwezimo lapho umonakalo ubangelwe umlilo.
• njll.

Uma Umbungazi eqaphela ukulimala noma ukonakaliswa kwendlu Yesivakashi noma ilungu langaphandle, Umbungazi kufanele azise i-Airbnb ngokushesha ngangokunokwenzeka ngoba umshwalense ungase usebenze. Ngokufanayo, uma uMbungazi eqaphela umonakalo wendlu uMbungazi angumnikazi wayo, uMbungazi kufanele azise i-Airbnb uma yena Nesivakashi sakhe behluleka ukufinyelela isivumelwano sesigameko phakathi namahora angu-72 wokuxhumana Nesivakashi ngoba umshwalense ungase usebenze.

La mabalengwe e-Japan Host Insurance awahlanganisi yonke imigomo, imibandela, imikhawulo, nokungafakiwe kwepholisi yomshwalense. Ukuze ucele ikhophi yepholisi yomshwalense, sicela uthinte okuthi Aon Japan Ltd. futhi ufake imininingwane ye-akhawunti yakho ye-Airbnb.

I-Sompo Japan Insurance Inc.