Ukuqonda umshwalense wohambo namasevisi osizo
Izimo eziphuthumayo nokuphazamiseka kohambo okungalindelekile kuyenzeka. Yingakho i-Airbnb inikeza umshwalense wohambo namasevisi osizo.
Izivakashi ezihlala e-US kanye nezifundazwe ezithile nezindawo zaseCanada zingakuvikela ngomshwalense ukubhukha kwazo ezingozini ezithile lapho zibhukha uhambo. Uma zikhansela ngenxa yesizathu esinekhava, zizokwazi ukufaka isikhalazo somshwalense sokufuna ukubuyiselwa imali yezindleko zabo zemali engabuyiselwanga yokubhukha ku-Airbnb.
Lokhu kunganciphisa amathuba okuba izivakashi zicele aBabungazi ukubuyiselwa imali ngaphandle kwemigomo yezinqubomgomo zokukhansela zaBabungazi.
Indlela izivakashi ezithenga ngayo isivikelo sohambo
Umshwalense wohambo namasevisi osizo ayatholakala ezivakashini ezihlala e-US noma eCanada, ngaphandle kwaseQuebec naseNunavut.
Izivakashi ezikula mazwe nakwamanye amazwe afanelekayo zingakhetha ukuthenga isivikelo sohambo ku-Airbnb ngaphambi kokuqinisekisa nokukhokhela ukubhukha. E-US, izivakashi zingafaka isivikelo sohambo nangemva kokubhukha. Ngaphambi kokuthenga, izivakashi zingahlola imininingwane yalokho uhlelo lwazo olukukhavayo nalokho olungakukhavi.
Isivakashi sikhokha amaphesenti athile engqikithi yezindleko zaso zokubhukha zokuvikelwa kohambo. Izindleko zohlelo lwaso zihlanganisa imali yamasevisi osizo njengokuxoxelwa ngezokwelapha, usizo lohambo, nezixazululo zokwebiwa kwe-ID.
Izivakashi ezithenga isivikelo sohambo zithola isiqinisekiso se-imeyili esinemininingwane yohlelo lwazo nemininingwane yendlela yokufaka isikhalazo.
Kuye ngendawo isivakashi esikuyo, izinhlelo zikhishwa yi-Generali US Branch noma i-Europ Assistance S.A. Canada Branch. Zombili ziyingxenye ye-Assicurazioni Generali S.p.A., umhlinzeki womshwalense ohamba phambili emazweni ahlukahlukene.
Lokho umshwalense wohambo okukhavayo
Umshwalense wohambo unezela isivikelo sezivakashi, okuhlanganisa inkokhelo engaba ngu-100% wezindleko zazo zokubhukha ezingabuyiselwa imali uma uhambo lwazo luthintwe yizigameko ezithile ezivikelwe, ezingase zihlanganise isimo sezulu esibi kakhulu noma ukugula okubi kakhulu.
Ngokwesibonelo, uma uMbungazi ebuyisela u-50% wemali eyizindleko zokubhukha kwesivakashi ngaphansi kwenqubomgomo yokukhansela yoMbungazi, umshwalense wohambo ungabuyisela ingxenye ethile noma wonke u-50% osele lapho isivakashi sikhansela ngenxa yesizathu esinekhava. Umhlinzeki womshwalense ngeke afune ukuthola noma iyiphi imali evela kuMbungazi ukuze akhokhe isikhalazo sesivakashi.
Ikhavareji nemigomo kuyahluka ngokwendawo. Ungathola imininingwane eyengeziwe eSikhungweni Sosizo:
Umshwalense wohambo namasevisi osizo kuhlukile ku-AirCover yezivakashi, enikezwa kukho konke ukubhukha. I-AirCover inikeza izivakashi isivikelo ezinkingeni ezingalindelekile ezinjengokunganembi kwendlu noma ukungakwazi ukungena.
Ezakhamuzini zase-US: Uhlelo lokuvikelwa kohambo lunikezwa yi-Airbnb Insurance Agency LLC, 222 Broadway, Floor 26, New York, NY 10038 (inombolo yelayisensi yaseCalifornia 6001912), enelayisensi njenge-ejensi yomshwalense kuzo zonke izifundazwe zase-US naseSifundeni saseColumbia, futhi amakhavareji omshwalense wohambo agunyazwa yi-Generali US Branch (NAIC #11231) yaseNew York, NY Amakhavareji omshwalense namasevisi osizo achazwa ngendlela evamile futhi angaphansi kwemibandela ethile kanye nokunye okungafakiwe.
Ezakhamuzini zaseCanada (ngaphandle kwaseQuebec naseNunavut): Umshwalense wohambo unikezwa yi-Airbnb Canada Insurance Services Inc. futhi ugunyazwa i-Europ Assistance S.A. Canada Branch. I-Airbnb Canada Insurance Services Inc. inelayisense njenge-ejensi yomshwalense futhi ihhovisi layo elibhalisiwe lise-1600-925 West Georgia Street, Vancouver, BC V6C 3L2, Canada. Izinzuzo namasevisi omshwalense wohambo zingaphansi kwemigomo nemibandela futhi okunye okungafakiwe kuyasebenza.
Imininingwane ekulesi sihloko kungenzeka isishintshile selokhu sashicilelwa.