Yonke into okudingeka uyazi mayelana nezindleko zokuhlanza

Ukunquma ukuthi uyazifaka yini izindleko zokuhlanza kuyingxenye ebalulekile yesu lokubeka inani. Abanye ababungazi bakuthola kuyindlela ewusizo yokubuyisa izindleko zokuhlanza. Kodwa uma imali iphezulu kakhulu, ingase idikibalise izivakashi ekubhukheni ikhaya lakho—futhi inciphise iholo lakho.

Nakhu okufanele ukukhumbule njengoba ucabanga ngezindleko zokuhlanza nokubhukha.

Izivakashi zisitshela ukuthi ziyayithanda indawo ehlanzekile namanani afanele ngaphezu kwakho konke. Esinye sezizathu ezivame kakhulu ezenza izivakashi zinikeze izinkanyezi ezingaphansi kwezinhlanu ukungahlanzeki. Ucwaningo lwethu lubonisa ukuthi uma okufake ku-Airbnb kunenani lokuhlanza, izivakashi zizolindela ukuba kube nenhlanzeko esezingeni eliphakeme, futhi lokho kungaholela ekutheni zingakhi phezulu lapho ziphawula ngokuhlala kwazo.

Uma ukhetha ukufaka izindleko zokuhlanza, zikhuphula ingqikithi yenani lokuhlala futhi ziyabonakala ezivakashini njengenkokhiso ehlukile lapho zikhokha. Izindleko zokuhlanza eziphakeme zingenza zicabange kabusha ngokubhukha kuwe. Izivakashi ziyakwazi nokuvula isici sokubonisa ingqikithi yenani, esizivumela ukuba zibuke ingqikithi yenani kokufakwe ku-Airbnb, okuhlanganisa zonke izindleko, emiphumeleni yokusesha.

Ukugcina inani lakho liphansi kungasiza okufake ku-Airbnb kuvelele futhi kube nesilinganiso esiphezulu emiphumeleni yokusesha. Lezi zibalo zibeka kuqala ingqikithi yenani nekhwalithi yokufakwe ku-Airbnb uma kuqhathaniswa nokunye okuthi akufane okuseduzane.

Ungasebenzisa amathuluzi okubeka amanani ekhalendeni lakho ukuze ubone ingqikithi yenani lezinsuku ezihlukahlukene nezinhlobo zohambo, futhi uliqhathanise nokufakwe ku-Airbnb okufanayo okuseduze.

Lapho usuthole isistimu yokuhlanza ekusebenzelayo, hlanganisa izindleko zakho bese usetha ibhajethi yokuhlanza enembile. Nawa amacebiso ambalwa okufanele uwacabangele lapho uhlaziya izindleko:

• Qhathanisa amanani. Uma uqasha umnakekeli wendlu ophrofeshinali, buyekeza izindleko zakhe uziqhathanise nezezinye izinkampani ukuze uthole inani elingcono kakhulu, kuyilapho usamkhokhela iholo elifanele.
• Xoxa nalabo abakuhlanzelayo. Cabangela ukubuza umnakekeli wendlu yakho ukuthi uzoyamukela yini imali encane ukuze lilingane namanye. “Sanikeza iholo lenyanga eliqinisekisiwe phakathi nenkathi engematasa, ngisho noma besinokubhukha okukodwa noma okubili,” kusho uLorna, ongumbungazi. “Ukuze sihlalise izivakashi, sasikhokha kancane phakathi nenkathi ematasa.”
• Yiba nesitokwe. Cabanga ngezinto zokuhlanza ovame ukuzisebenzisa. Uku-oda lezi zinto ngobuningi kuvame ukubiza inani elincane ngokuhamba kwesikhathi.

Nquma ukuthi uzozikhokhela kanjani izindleko zakho zokuhlanza futhi ugcine inani lendlu yakho liphansi. Cabangela lokhu:

• Ukuhlola intela engase idonswe. Ungase ukwazi ukukhipha ezinye izindleko zokubungaza, okuhlanganisa izindleko zokuhlanza, lapho ufaka izintela zakho zeholo. Isisebenzi esiyiphrofeshinali sentela singakunikeza imininingwane eyengeziwe noma usizo.
• Ukufaka izindleko enanini lakho lobusuku. Bala ukuthi uzikhokhela ngamalini izinto zokuhlanza, amasevisi okuwasha, nokunakekelwa kwendlu, kanye nezinye izindleko zakho zokusebenza. Lokhu kuzokunika umbono obanzi ozokusiza usethe inani lakho lobusuku.
• Ukufaka inani lokuhlanza. Sebenzisa lokhu ukuze ukhokhele izinto zokuhlanza noma isevisi ephrofeshinali yokunakekelwa kwendlu, hhayi njengendlela yokuthola imali eyengeziwe.

Uma unquma ukufaka izindleko zokuhlanza, kumbalwa ongakhetha kukho:

• Ukusetha inani elimisiwe. Faka inani elilodwa lezindleko zokuhlanza kuzo zonke izivakashi, kungakhathaliseki ubude besikhathi sazo sokuhlala. Lokhu kungaba isu elihle kubabungazi ababungaza ukuhlala kwesikhathi eside.
• Ukushintshashintsha inani lakho lezindleko zokuhlanza. Heha izivakashi ezibhukha ukuhlala kwesikhashana kobusuku obubodwa noma obubili ngokusetha izindleko zokuhlanza eziphansi. Ungagcina imali ejwayelekile yokuhlanza kukho konke okunye ukuhlala.

Uma umusha ekubungazeni, cabangela ukulinda ukufaka inani lokuhlanza kuze kube yilapho uba nokuphawula okumbalwa okuhle ukuze ukhuthaze ukubhukha.

Inani lakho lokuhlanza ngokuvamile likhokhela ukucocwa kwendlu olindele ukukwenza ngemva kokubungaza izivakashi. Ngezindleko zokuhlanza ezingalindelekile, njengokususa amabala noma iphunga lentuthu elishiywe izivakashi, ungase ufanelekele ukubuyiselwa imali engaba ngu-$3 million USD ngaphansi kweSivikelo somonakalo wombungazi, esiyingxenye ye-AirCover yaBabungazi.

Isivikelo somonakalo wombungazi se-AirCover Yababungazi, Umshwalense womonakalo wombungazi, kanye nomshwalense womonakalo woKokuzithokozisa Namasevisi akuyinikezi ikhava kubabungazi abanikeza amakhaya noma okokuzithokozisa eJapan, lapho kusebenza khona i-Japan Host Insurance kanye noMshwalense Wokuvikelwa Kwezokuzithokozisa waseJapan, noma kubabungazi abanikeza izindawo zokuhlala nge-Airbnb Travel LLC. Khumbula ukuthi yonke imikhawulo yekhava iboniswa ngama-USD.

UMshwalense womonakalo wombungazi kanye nomshwalense womonakalo Wokokuzithokozisa Namasevisi uhlinzekwa ezinye izinkampane zomshwalense.

Uma ubungaza amakhaya, okokuzithokozisa, noma amasevisi e-UK, inqubomgomo yomonakalo woMbungazi neyomshwalense womonakalo woKokuzithokozisa Namasevisi ziqinisekiswa yi-Zurich Insurance Company Ltd., futhi zihlelwa futhi ziphothulwe ngaphandle kwezindleko ezinezelwe kuBabungazi base-UK yi-Airbnb UK Services Limited, okungummeleli oqokiwe we-Aon UK Limited, ogunyazwe futhi olawulwa yi-Financial Conduct Authority. Inombolo yokubhalisa ye-FCA ye-Aon ithi 310451. Ungahlola lokhu ngokuvakashela i-Financial Services Register noma ngokuthinta i-FCA kule nombolo 0 800 111 6768. Amapholisi womonakalo womBungazi nawomonakalo Wokokuzithokozisa Namasevisi ku-Aircover YaBabungazi alawulwa i-Financial Conduct Authority, eminye imikhiqizo namasevisi akuyona imikhiqizo elawulwayo ehlelwa i-Airbnb UK Services Limited, FPAFF405LC. Bona imininingwane nokungafakiwe. 

Uma ubungaza amakhaya, okokuzithokozisa, noma amasevisi e-European Economic Area (EEA), ipholisi yomonakalo woMbungazi kanye neyomshwalense womonakalo woKokuzithokozisa Namasevisi ahlinzekwa yi-Zurich Insurance Europe AG, igatsha laseSpain, futhi ahlelwa futhi aphothulwe ngaphandle kwezindleko ezengeziwe ukuze kuzuze ababungazi abase-EEA yi-Airbnb Spain Insurance Agency S.L.U. (ASIASL), i-ejensi yomshwalense ezimele eqondiswa yi-Directorate General for Insurance Pension and Funds (DGSFP) futhi ebhaliswe eSpain ngenombolo ethi AJ0364 ku-Registry of the Insurance Distributors of the DGSFP. Ungaqinisekisa lokhu kubhalisa ngokuvakashela i-DGSFP Insurance Distributors Register, futhi ungathola imininingwane ephelele ye-ASIASL lapha.

Isivikelo somonakalo wombungazi asiwona umshwalense futhi asihlobene noMshwalense womonakalo wombungazi. Ngaphansi kwesivikelo somonakalo wombungazi, uyanxeshezelwa ngomonakalo othile obangelwe yizivakashi ekhayeni nasempahleni yakho uma isivakashi singawukhokheli lowo monakalo. Kokufakwe ku-Airbnb kwasesifundazweni saseWashington, izibopho zenkontileka ze-Airbnb ngaphansi kwesivikelo somonakalo wombungazi zivikelwe ipholisi yomshwalense ethengwe yi-Airbnb. Kubabungazi abahlala noma abanezindawo ezingaphandle kwase-Australia, le Migomo Yesivikelo Somonakalo Wombungazi iyasebenza. Kubabungazi abahlala noma abanemizi e-Australia, isivikelo somonakalo wombungazi singaphansi kweMigomo Yesivikelo Somonakalo Wombungazi Sabasebenzisi Base-Australia.

Imininingwane ekulesi sihloko kungenzeka isishintshile selokhu sashicilelwa.