Ukuqonda umshwalense wohambo wezivakashi ze-Airbnb

Izimo eziphuthumayo nokuphazamiseka kohambo okungalindelekile kuyenzeka, futhi ukwenqaba isicelo sesivakashi sokubuyiselwa imali kungaba nzima. NjengoMbungazi, ufuna ukuba ocabangelayo, kodwa futhi kudingeka uthole imali yokuziphilisa futhi ugweme ukuphawula okubi.

Ukuze sisize izivakashi naBabungazi kangcono, sibambisene ne-Aon ne-Europ Assistance Group nabalingane bayo base-U.S., i-Generali Global Assistance, ukuze sinikeze izivakashi umshwalense wohambo. Sivumela izivakashi emazweni ayisishiyagalolunye ukuba zikhethe ukufaka umshwalense ekubhukheni kwazo kwe-Airbnb ngokumelene nobungozi obuthile phakathi nenqubo yokubhukha.

Uma izivakashi ezithenga inqubomgomo zikhansela ukubhukha kwazo ngenxa yesizathu esingenayo ikhava, zizokwazi ukufaka isikhalazo sokufuna ukubuyiselwa imali engaba ngu-100% wezindleko zabo zemali engabuyiselwanga zokubhukha kwe-Airbnb. Lokhu kunganciphisa amathuba okuba izivakashi zicele aBabungazi ukubuyiselwa imali ngaphandle kwemigomo yezinqubomgomo zokukhansela zaBabungazi bazo.

Izivakashi e-U.S.,* e-U.K.,** nase-Europe*** (e-Germany, e-Spain, e-Italy, e-Ireland, e-Netherlands, e-Austria, nase-Portugal) zingathenga umshwalense wohambo uma zibhukha uhambo ku-Airbnb. Sihlela ukwenza umshwalense wohambo utholakalele izivakashi zakwamanye amazwe esikhathini esizayo.

Siye sakha indlela yokuthenga umshwalense wohambo enqubweni yokubhukha, ehlukile kancane ngendawo. Nansi indlela okusebenza ngayo:

• Phakathi nokubhukha, izivakashi zinikezwa ithuba lokukhetha ukunezela umshwalense wohambo.
• Izikrini ezithile zinikeza imininingwane ngalokho okukhavwa yinqubomgomo nalokho okuyinhloko okukhishwayo.
• Uma zifisa, izivakashi zingavele zinezele umshwalense wohambo ekubhukheni kwazo bese ziyakhokha.

Iphrimiyamu yomshwalense wohambo lwesivakashi ingamaphesenti ezindleko eziyingqikithi yohambo lwazo futhi izovela njengento ethengwayo lapho kukhokhwa.

Kuye ngendawo isivakashi esikuyo, izinqubomgomo zikhishwa yi-Europ Assistance S.A. noma i-Generali US Branch, abalingane be-Generali Group, umhlinzeki womshwalense ohamba phambili emazweni amaningi. Ngemva kokuqeda ukubhukha, izivakashi ezifaka umshwalense wohambo zizothola isiqinisekiso se-imeyili esinemininingwane yenqubomgomo yazo nemininingwane yendlela yokufaka isikhalazo.

Sisanda kwethula i-AirCover yezivakashi, sibanikeza isivikelo ezinkingeni ezingalindelekile ezinjengokunganembi kwendlu nokungabikho kwamasevisi asemqoka.

Umshwalense wohambo unezela ikhava yomshwalense wezivakashi, okuhlanganisa inkokhelo engaba ngu-100% wezindleko zazo zokubhukha kwe-Airbnb ezingabuyiselwa imali uma uhambo lwazo luthintwe yizigameko ezithile, njengesimo sezulu esibi, ukuntshontshwa kwamadokhumenti ohambo, noma ukugula okubi kakhulu.

Ngokwesibonelo, uma uMbungazi ebuyisela u-50% wemali eyizindleko zokubhukha kwe-Airbnb ngokusekelwe kunqubomgomo yakhe yokukhansela, umshwalense wohambo ungabuyisela imali engaba ngu-50% osele uma isivakashi sikhansela ngenxa yesizathu esinekhava. Umhlinzeki womshwalense ngeke afune ukuthola noma iyiphi imali evela kuMbungazi uma isivakashi sifaka isikhalazo somshwalense wohambo.

Ngokuqondene nokubhukha okwenziwe ngo-May 31, 2022 noma ngemva kwawo, ukuba ne-COVID-19 akusabhekwa njengesimo esingalindelekile. (Izinqubomgomo ezihlukahlukene ziyasebenza ekubhukheni kwangaphakathi e-South Korea kanye nokubhukha kwe-Luxe.) Uma isivakashi sikhansela ukubhukha kwaso ngoba siphethwe yi-COVID-19, inqubomgomo yokukhansela yoMbungazi izosebenza.

Izivakashi ezithenga umshwalense wohambo zinganikwa ikhava uma zigula ziphethwe yi-COVID-19 (ngokwemiphumela yokuxilongwa ngudokotela onelayisensi) futhi eminye imigomo yenqubomgomo iyafezwa.

*Ezivakashini ezise-U.S., uhlelo lomshwalense wohambo lunikezwa yi-Airbnb Insurance Agency LLC, 222 Broadway, Floor 26, New York, N.Y. 10038, (inombolo yelayisensi yase-California 6001912), enelayisensi njenge-ejensi yomshwalense kuzo zonke izifundazwe zase-U.S. naseSifundeni sase-Columbia, futhi lugunyazwa yi-Generali US Branch (NAIC #11231) yase-New York, N.Y. Izinzuzo namasevisi enqubomgomo yomshwalense kuchazwa zikhathi zonke futhi kusebenza ezimweni ezithile.

**Ezivakashini ezise-U.K., umshwalense wohambo ugunyazwa yi-Europ Assistance SA. I-Europ Assistance SA igunyazwa futhi iqondiswe yi-Ministere de l’Economie et des Finances Direction du Tresor Service des Affaire, France. Yaziwa njengegunyazwe yi-Prudential Regulation Authority, U.K. Ihambisana nesiqondiso se-Financial Conduct Authority nesiqondiso esinomkhawulo se-Prudential Regulation Authority e-U.K. Uhlobo nobungako bezivikelo zamakhasimende kungahlukahluka ezinkampanini ezinomsuka wase-U.K. Imininingwane ye-Temporary Permissions Regime, evumela izinkampane ezinomsuka we-EEA ukuba zisebenze e-U.K. okwesikhashana ngesikhathi zifuna ukugunyazwa ngokuphelele, iyatholakala kuwebhusayithi ye-Financial Conduct Authority. Umshwalense wohambo uhlelwa yi-Airbnb UK Services Limited. I-Airbnb UK Services Limited ingummeleli omisiwe we-Aon UK Limited, ogunyaziwe futhi oqondiswa yi-Financial Conduct Authority. Inombolo yokubhalisa ye-FCA ye-Aon UK Limited ingu-310451, ungakuhlola lokhu ngokuvakashela i-Financial Services Register noma ngokufonela la 0800 111 6768. Umshwalense wohambo utholakalela izivakashi ezineminyaka engu-18 nangaphezulu. Imigomo nemibandela egcwele iyasebenza. FPAFF319LC

***Ezivakashini ezise-EU, umshwalense wohambo ugunyazwa yi-Europ Assistance S.A., esebenza nge-Irish Branch yayo. I-Europ Assistance S.A. igunyazwe yi-Autorité de Contrôle Prudentiel et de Résolution (ACPR) e-France futhi iqondiswa yi-Central Bank of Ireland ukuze iqhube imithetho yebhizinisi. Umshwalense wohambo unikezwa umlamuleli womshwalense i-Aon Iberia Correduria de Seguros y Reaseguros S.A.U. isizwa yi-Airbnb Marketing Services S.L.U. esebenza njengophathina. Ihhovisi elibhalisiwe le-Aon lise-C/ Rosario Pino, no. 14-16, C.P. 28020 e-Madrid, e-Spain. I-Aon ibhaliswe e-Commercial Registry of Madrid on Sheet M-19857, Ivolumu 1577, Ikhasi 122, inombolo kamazisi yentela A-28109247, futhi ibhaliswe ku-Directorate-General of Insurance naku-Register of Insurance and Reinsurance Distributors yeZimali Zomhlalaphansi ngaphansi kwenombolo J-0107. I-Aon inamandla angokwezimali nomshwalense wezindleko obekiwe ku-Spanish Royal Decree-law 3/2020. Izinzuzo namasevisi enqubomgomo yomshwalense kuchazwa zikhathi zonke futhi kuhambisana nezimo ezithile.

Imininingwane ekulesi sihloko kungenzeka isishintshile kusukela sashicilelwa.