Xa ucwangcisa uhambo, zininzi izinto esinazo engqondweni: indawo yokuhlala, imisebenzi, ezothutho, imithwalo ... Nangona kunjalo, into esingasoloko siyilungisa ziziganeko ezingalindelekanga esinokuba nazo ngexesha leeholide. Njengakwezinye iinkalo zobomi, kuhambo olunyukiswa kwangaphambili kuyafana nokuzola. Ukujongana namatyala angalindelwanga kunokuba yintloko ukuba sinelishwa ngokwaneleyo ukuba singafumana unyango ngexesha leholide okanye sinengxaki.
Ukuba nohlobo oluthile lweinshurensi yezonyango kuyacetyiswa ngakumbi ukuba sihamba ngaphandle kweYurophu ukusukela, kumazwe amaninzi, ubusuku bokulaliswa esibhedlele bunokuba ngee- € 10.000. Emva koko siza kukuxelela izizathu zokuthatha i-inshurensi yezonyango yokuhamba nokuba kubandakanya ntoni.
I-inshurensi yekhadi
Logama nje esetyenziselwa ukuthenga amatikiti enqwelo moya, onke amakhadi etyala abandakanya i-inshurensi yokuhamba ngokwabo. Nangona kunjalo, kuyacetyiswa ukuba ujonge ukugubungela kwabo njengoko zihlala zisisiseko. Umzekelo, i-Classic VISA igubungela kuphela i-9.000 yeendleko zonyango, ezingonelanga kuyo nayiphi na ingozi ephakathi. Ivela kwiinguqulelo zeplatinam apho ukhuselo luqala ukuba lunomdla ngakumbi kubahambi.
Yintoni i-inshurensi yezonyango yokuhamba ibandakanya?
Ngokwesiqhelo, i-inshurensi yezonyango yokuhamba ibandakanya ezi zinto zilandelayo:
- Unyango xa kunokwenzeka iingozi.
- Unyango olungxamisekileyo.
- Iindleko zokulaliswa esibhedlele, uvavanyo olwenziwe, amayeza, njl.
Ukongeza, kwiinkampani ezininzi zeinshurensi kunokwenzeka ukuba wenze ikhontrakthi yokugubungela ukongezwa kweinshurensi yakho yezonyango, umzekelo.
- Ukubonelela kwimeko yelahleko yomthwalo okanye ukurhoxiswa kohambo.
- Ukubuyela kwilizwe lakho xa sigula, ingozi okanye ukufa.
- Ukukhutshwa ngokukhawuleza.
- Uncedo lwezomthetho.
Kutheni uthenga i-inshurensi yezempilo?
Abantu abaninzi bayazisola ngokungakhange bathathe i-inshurensi yezonyango ngaphambi kohambo lwabo xa bejamelene nonyango olungxamisekileyo phesheya. Kuba unyango kunye neendleko zokulaliswa kumazwe amaninzi kufuneka zithwalwe sisigulana kwaye zinokubiza kakhulu, kuyacetyiswa ukuba uthathe i-inshurensi yezonyango ukuba ngexesha lohambo banokugubungela ngokupheleleyo kwimeko yokugula okanye yengozi, kubandakanya ukukhutshwa ngenqwelomoya, ngokomzekelo, ukuhanjiswa kwesigulana ngenqwelomoya kwezi mpawu zivela eUnited States zinokuba nexabiso elimalunga ne-50.000 euro ! Kwaye ukungabinayo i-inshurensi kunokubonisa ukonakala.
Ngakolunye uhlangothi, Ukuba ucwangcisa ukutyelela amazwe aliqela ngexesha lokubaleka kwakho, kubalulekile ukuba ujonge ukuba i-inshurensi ine-inshorensi kuzo zonke, nokuba kukuma kunye nokuhlala okufutshane. Ngokunjalo, kuya kufuneka uqinisekise ukuba i-inshurensi ekhutshelweyo ibandakanya yonke imisebenzi oza kuyenza ngexesha lohambo, kubandakanya nezo zithathwa njengezinobungozi ezinje ngeparagliding, diving okanye ikite-surfing. Ukongeza, imisebenzi enxulumene nelizwe lokuhamba ngemoto ihlala ifuna ukugubungela okuthile (uhlaselo, iintlanganiso, ukuqhuba iijethi zekhephu kunye nekhephu, njl. Njl.) Kunye nemisebenzi yentaba enje ngokunyuka kweentaba.
Ikhadi lezempilo laseYurophu
Ngokubanzi, ukhathalelo lwempilo phesheya aluhlawulwa yi-inshurensi yabucala eSpain okanye ngoKhuseleko lwezeNtlalontle laseSpain okanye ngomgaqo-nkqubo onesivumelwano nekhadi letyala xa uthenga itikiti lenqwelomoya.
Ngesi sizathu, kulula ukuba neinshurensi yezonyango yokuhamba enokuzaliswa neKhadi lezeMpilo laseYurophu abantu baseSpain banokufumana simahla ngokuya nakweliphi na iziko loKhuseleko lweNtlalo ukuze babe namalungelo afanayo nabahlali belizwe abaya kulo xa besebenzisa impilo yabo yoluntu.
I-inshurensi yokuhamba ngaphandle kokuphindwa kabini
Phambi kokuba ufumane i-inshurensi yokuhamba, kuyacetyiswa ukuba ujonge ukhuseleko olunokuthi lubandakanye eminye imigaqo-nkqubo yethu, enjengempilo okanye iingozi, kuba ngamanye amaxesha ezi inshurensi zikwanikezela ngogcino phesheya. Nangona kunjalo, kufanelekile ukujonga ukusikelwa umda ukusukela, umzekelo, kwimeko yemigaqo-nkqubo yezempilo ngoncedo olungaphandle kwemida yaseSpain, umda ophakamileyo wezoqoqosho umalunga ne-12.000 euro kwaye xa uhambo lungekho ngaphezulu kweenyanga ezintathu.
I-inshurensi yokuhamba ngolwimi lwakho
Ingabonwa njengengxaki encinci kodwa ibaluleke ngakumbi kunokuba ibonakala. Nokuba yeyiphi na i-inshurensi, inyani yokufowuna nokuzimasa ngolwimi lwakho xa uzifumana kumzuzu onzima kukunika uxolo lwengqondo kunye nesiqinisekiso sokuba uyakuphathwa kweyona ndawo ifanelekileyo ngeyona ndlela ichanekileyo.