Enye yezinto eziqhelekileyo ezikhutshiweyo ezifunyenwe kwisivumelwano ze-inshorensi zinxulumene namabango avela kwizenzo zolwaphulo-mthetho nezingekho mthethweni, ezinjengokuchasa ukubanjwa ngokusemthethweni nokuqhuba phantsi kweempembelelo zotywala.
Ukungabandakanywa kwe-inshurensi ngamalungiselelo achaza iimeko apho amabango angayi kuhlawulwa, nangona umgaqo-nkqubo usebenza kwaye iipremiyamu zihlawulwa ngokupheleleyo. Ii-inshorensi ngokubanzi aziyi kuhlawula ilahleko evela ekuziphatheni okungekho mthethweni, ebonisa umgaqo wokuba i-inshurensi yenzelwe ukukhusela kwiingozi ezingalindelekanga, kungekhona izenzo zangabom okanye ezingekho mthethweni.
Kumba osandula ukuphononongwa liCandelo le-Inshurensi yoBomi ye-National Financial Ombud Scheme (NFO), i-inshurensi yalile ibango emva kokusweleka komntu ofakwe kwi-inshorensi, echaza ukuziphatha kolwaphulo-mthetho. Lo mgaqo-nkqubo wachaza ngokucacileyo ukuba akukho bango liya kuhlawulwa ukuba isiganeko esifakwe kwi-inshorensi sibangelwa kukuziphatha kolwaphulo-mthetho, kubandakanywa neemeko apho umntu ofakwe kwi-inshorensi wayephantsi kophando, ukutshutshiswa, okanye ugwetywe ngenxa yolwaphulo-mthetho.
Obu bungqina budize ukuba amapolisa ebezama ukubamba umfi ngethuba etyholwa ngokubamba umpu wepolisa ezama ukuwukhulula. Emva koko wadutyulwa wafa ngamanye amagosa kwindawo yexhwayelo. Ngaphandle kobungqina obuphikisana ne-akhawunti yamapolisa, i-inshurensi yagqiba ukuba ukufa kwavela ngokuthe ngqo kwisenzo solwaphulo-mthetho kwaye, ngoko ke, kwawela ngaphakathi kokungabandakanywa.
“Iofisi yethu ivumile ukuba i-inshurensi ayinyanzelekanga ngokwekhontrakthi ukuba ihlawule ibango, kwaye isigqibo sokulikhaba sasifanelekile, utshilo uDenise Gabriels, iOmbud ekhokelayo yeCandelo le-Inshurensi yoBomi ye-NFO, esongeza eli tyala libonisa indlela ukukhutshelwa ngaphandle kunokugqiba ngokugqibeleleyo. isiphumo sebango.
“Ukukhutshwa kwe-Inshurensi ayiyomigibe efihliweyo. Zibalulekile kwindlela i-inshurensi esebenza ngayo. Kubanini-migaqo-nkqubo, ukuqonda okukhutshiweyo kubaluleke kakhulu njengokwazi oko kuqukwayo. Ngokufunda ngononophelo, ukubuza imibuzo, abanini-polisi banokuqinisekisa ukuba bakhuselwe ngokwaneleyo kwaye baphephe izinto ezimangalisayo ezingathandekiyo xa kubaluleke kakhulu, utshilo uGabriels.
Iindidi eziqhelekileyo zokukhutshelwa ngaphandle zezi:
- Izenzo zolwaphulo-mthetho: Amabango avela kwizenzo ezingekho mthethweni.
- Izinto eziyingozi: Imisebenzi efana nokuntywila esibhakabhakeni, ukuntywila kwi-scuba diving, kunye nokunyuka intaba kunokungabandakanywa ngenxa yeprofayili yomngcipheko ophakamileyo.
- Iimeko esele zikhona: Iimeko zempilo ezifunyaniswe phambi kokuba umgaqo-nkqubo uqalise – ezifana nesifo sentliziyo, isifo seswekile, kunye nesifuba – zihlala zingabandakanywa.
- Imfazwe nobunqolobi: Ilahleko ebangelwa yimfazwe, ubunqolobi, nezidubedube zamakhaya ngokuqhelekileyo aziqukwanga ngenxa yentlekele yazo nengalindelekanga.
- Izenzo zangabom: Amabango avela kwingozi ngamabomu njengokuzibulala kunye nokulimala kokuzilimaza – ngokuqhelekileyo kwiinyanga zokuqala ze-12 ukuya kwi-24 emva kokuba umgaqo-nkqubo uqalile – awubandakanywa.
- Umnini-polisi okanye umxhamli kufuneka aqale abonise ukuba kukho umgaqo-nkqubo osebenzayo, kwaye isiganeko esifakwe kwi-inshorensi senzeke (njengokufa, ukukhubazeka, kunye nokuxilongwa kwesigulo esinzima esigqunyiweyo).
Emva kokuba oku kusekiwe, umthwalo utshintshela kwi-inshurensi. Ukuba i-inshurensi ifuna ukukhaba ibango ngokusekelwe ekukhutshelweni, kufuneka ibonise ukuba ukukhutshwa kusebenza ngokucacileyo. Oku kudla ngokufuna ubungqina obufana neerekhodi zonyango, i-toxicology okanye iingxelo ze-pathology, iingxelo zengozi, okanye iziphumo zamapolisa. Ukuba i-inshurensi ayinakungqina ukuba ukukhutshwa kusebenza kwibhalansi yezinto ezinokwenzeka, ibango kufuneka lihlawulwe.
UGabriels uthe ukukhutshwa akuthethi ukuba i-inshurensi yakho iya kusebenza – abayichaza xa iya kwenza. Ukwazi oko kungabandakanywanga, apho unokufumana khona ukukhutshelwa ngaphandle kwipolisi yakho, kwaye ngubani omele angqine ukuba uyafaka isicelo ubeka lowo ufakwe kwi-inshorensi kwindawo eyomeleleyo.
“Xa ukhupha iqweqwe, buza imibuzo malunga nokungabandakanywa ongakuqondiyo. Gcina iikopi zazo zonke izibhengezo ozenzileyo ngexesha lesicelo.
“Funda uxwebhu lwepolisi ngononophelo kwaye uqinisekise ukuba uyayiqonda imixholo yalo. Ukuba kukho nantoni na engacacanga, qhagamshelana ne-inshurensi okanye umcebisi ukuze ucacise. Ukuba umgaqo-nkqubo awubonisi ngokuchanekileyo ulwazi olunikiweyo ngexesha lokufaka isicelo, cela ukuba ulungiswe.
“I-inshurensi imalunga noxolo lwengqondo. Ukuqonda ukukhutshwa kunceda ukuqinisekisa ukuba uxolo lwengqondo luhlala xa ulufuna kakhulu, wongeze watsho u” Gabriels.
Eli nqaku liguqulelwe kwisiXhosa ngu Ongeziwe Babane.
Cofa apha , ufunde inqaku lesiNgesi elibhalwe yi Moonstone.
