Phakathi nesehlakalo, abahambi bangase bangakwazi ukubuyela kumshuwalense wokuhamba
Kubanikazi abaningi bamazwe ngamazwe, ubuphekula buyingozi ngempela engathinta izinhlelo ngaphandle kokuxwayisa noma isizathu. Ngenxa yokuhlaselwa, izindiza zingasungulwa, ukuthutha komphakathi kungagcinwa, futhi abahambi bangagqanyiswa lapho beya khona ngombono wesikhashana.
Lapho beya "engozini enkulu" noma "endaweni eyingozi" , abagibeli bavame ukuthenga izinqubomgomo zomshuwalense wokuhamba ngaphambi kokuba bahambe nenkolelo bazobe ziboshwe esimweni esibucayi kakhulu.
Kodwa-ke, izenzo zobuphekula kungenzeka ukuthi azihlanganiswe nenqubomgomo yomshuwalense wokuhamba - ngisho nalapho inzuzo yobuphekula ihlanganisiwe ephaketheni lesisekelo.
Ngokuqonda ukuthi yini engavunyelwe, abahambi bangenza izinqumo ezingcono mayelana nokuthenga umshuwalense wokuhamba. Ezimweni ezithile, abahambi bangase bangabhekwa izinzuzo "zobuphekula", kepha kungenzeka bakwazi ukuthola usizo.
Izimo Okungazifaneleki Ngobuphekula Ukuthola Izinzuzo Zomshuwalense
Naphezu kokubonakala kwangaphandle kwesigameko samazwe omhlaba, izinzuzo "zobuphekula" angeke zimboze umhambi kuze kube yilapho isimo simenyezelwa njengesenzo sobuphekula. Umhlinzeki womshuwalense wezokuvakasha uTin Leg usanda kumemezela ukuthi ngenxa yokuthi isigameko saseRussia iMetroJet asizange senziwe njengesenzo sobuphekula, izinzuzo zemishwalense yazo zingase zingagcini lesi sigameko.
Kwesinye isibonelo, iMalaysia Airlines Flight 17 inqunywe ukudilizwa yi-missile e-Ukraine.
Ngesikhathi izikhulu zase-Ukraine zihlambalaza lesi sigameko njengesenzo sobuphekula, uMnyango Wezezwe wase-US awuzange usetshenziswe igama elithi "ubuphekula" ukuchaza lesi sigameko. Ngakho-ke, izinzuzo zomshuwalense ezihamba ngezinyathelo zomshuwalense zingase zingeneli kuleso simo.
Ngaphezu kwalokho, nakuba uMnyango Wezezwe wase-US ungase ukwandise izixwayiso nezixwayiso zezindawo ezihlukahlukene, isixwayiso asichazi isenzo.
Esikhundleni salokho, isixwayiso noma ukuxwayisa kunwetshiwe njengesixwayiso sabahambi ngaphambi kohambo lwabo. Kuze kube nokuhlaselwa kwangempela okwenzekayo, umshuwalense wezokuhamba angeke uhloniphe ukuphaphazeka kwesibindi njengesizathu esizwakalayo sokukhansela uhambo .
Ukwandiswa kobuphekula Kuhamba ngezinzuzo zomshuwalense
Uma sekuvezwe ukuhlasela kwamaphekula, izinqubomgomo eziningi zomshuwalense wokuhamba zizovumela abahambi ukuba bafinyelele ekuzuzeni kwabo ubuphekula. Isibonelo, ukuhlaselwa eParis ngoNovemba 2015 kuthathwa njengesenzakalo esifanelekayo ukuthola izinzuzo.
"Ukuhlaselwa kukaParis kuye kwabizwa ngokuthi yisenzo sobuphekula uMnyango WezoMbuso, ngakho-ke abahambi be-insured bangase bahlanganiswe nezinqubomgomo zomshuwalense wokuhamba ngale ncazelo," kusho isikhulu seCarmemouth uChris Harvey. "Noma kunjalo, izinsuku zokuhamba nohambo lwabo kungase kudingeke bahlangabezane nezinye izidingo ukuze bakwazi ukuthola ukukhokhelwa."
Uma umhambi ethenga inqubomgomo yomshwalense wabo wokuhamba ngaphambi kokuhamba kwawo futhi ngaphambi kokuhlaselwa kwaba umcimbi owaziwayo , abahambi bangakwazi ukufinyelela izinzuzo zabo. Kuye ngenqubomgomo ethengwe, abahamba ngezinyawo bangakwazi ukukhansela uhambo lwabo, babe nezindleko ezithintekayo, noma bahambise lesi simo ezweni lakubo.
Yiziphi Izinzuzo Ezitholakala Esimo Esiphuthumayo?
Uma kwenzeka isimo esiphuthumayo, abashayeli bangase bakwazi ukusebenzisa izinzuzo ezithile njengengxenye yenqubomgomo yomshwalense wabo wokuhamba.
Uma isimo esiphuthumayo siwela esigabeni esifanele ngaphambi kokuhamba, khona-ke abahambi bangase bakwazi ukuthola imali yokubuyiselwa kwemali yabo engabuyiselwa imali ngokuthola usizo lokukhansela uhambo. Uma iziteshi zokuhamba zinqunywe noma zenziwe njengomphumela wesimo esiphuthumayo, abahambi bangase bakwazi ukuthola ukubuyisela izindleko ezingenakwenzeka ngokusebenzisa izinzuzo zokubambezeleka kokuhamba . Uma isimo esiphuthumayo sidinga umhambi ukuba abuyele ekhaya ngokushesha ngenxa yesenzakalo sezulu noma ukulimala komngani, khona-ke abahambi bangakwazi ukuthola usizo ngokusebenzisa izinzuzo zokuphazamiseka kohambo.
Okokugcina, kulabo abahamba ngezinkathazo abakhathazekile ngokuphepha lapho beya khona, i- Cancel yeNoma iyiphi inqubo ye- Reason ingasiza abahambi ukuthi bathole ukubuyiselwa uma bengasifisi ukuhamba. Ngaphansi kwekhansela nganoma yisiphi isizathu, abahambi bangathola imali encane uma kwenzeka banquma ukukhansela uhambo lwabo ngesizathu esingavumelekile.
Nakuba izinzuzo zomshuwalense wokuhamba zingakwazi ukumboza izimo eziningi ezihlukene, ubuphekula buyindawo engamagugu engakaze ihlanganiswe. Ngokuqonda ukuthi yimuphi umshwalense wokuhamba ozokumboza ngaphambi kokuthenga, abahambi bangenza izinqumo ezingcono mayelana nezinqubomgomo zabo ngaphambi kokugibela.