Riaan 
I-Ombudsman for Short-Term Insurance (i-Osti) iqophe ukukhula okuqhubekayo kwezikhalazo ezihlobene nokunyuka kwamandla futhi iye yaluleka abanikazi bamapholisi ukuthi bahlole kabusha ikhava yabo njengoba abadayisi bomshwalense beqinisa amabhande phambi ukucisha ugesi.
Lokhu kungokwemininingwane eqokonyiswe embikweni ohlangene waminyaka yonke ka-2022 oshicilelwe ngabakwa-Osti kanye no-Olti (Ombudsman for Long-Term Insurance) onesihloko esithi Shaping our Tomorrow, okhishwe ngoLwesibili. Ijaji eselathatha umhlalaphansi u-Margie Victor ungu-ombud wazo zombili lezi zinhlangano.
U-Osti uqophe izikhalazo eziyi-11 542 kuzo zonke izigaba ngo-2022, ngo-17.8% ngaphezu kwango-2021, ezingu-10 411 kuzo ethi zaqedwa ekupheleni kwesikhathi.
Okuqukethwe kwasekhaya
Izimangalo eziwela ngaphansi kwesigaba sokuqukethwe yindlu zibalelwa ku-5.9% wezikhalazo ezibikiwe.
Ezingxabanweni zokuqukethwe kwekhaya ezirekhodiwe, ama-20% ayehlobene nokunyuka kwamandla kagesi – ngo-2018 lezi zenze u-3% kuphela esigabeni. Kodwa-ke, lezi zinhlobo zezingxabano zikhuphuke ngenxa yokwanda kwemvamisa yokucinywa kukagesi.
Imbangela ehamba phambili yezikhalo kulesi sigaba kwaba ukwenqatshwa kwezicelo ezisekelwe ekukhishweni kwenqubomgomo, ezingu-166 (41%) sezizonke zaliwe ngalezi zizathu.
U-Osti uthi embikweni sekuyisikhathi sokuthi abathengi bazifundise ngalokho osomabhizinisi babo bomshwalense abazimisele ukukukhokhela njengoba ukutholakala kwezinhlelo zokucisha ugesi kungase kuqede izimangalo “ezingalindelekile nezingalindelekile”.
FUNDA FUTHI: Qiniseka ukuthi umshwalense wakho wemoto nowekhaya usendleleni efanele
“Iningi lama-insurance liyishintshile ikhava enikezwayo maqondana nokunyuka kukagesi[s] nokuthi bazoyibheka kanjani ingozi [a] ukukhuphuka kwamandla. Njengoba kuhlelwa ukucishwa kukagesi, kungase kungabe kusaba isenzakalo esingalindelekile nesingalindelekile,” kusho lo mbiko.
“Uma umshwalense uhlinzekwa, kungenzeka ukuthi amanye amapholisi azohlinzeka ngekhava njengenzuzo ehlukile okumele ikhokhwe iphrimiyamu ehlukile,” iyaphawula, yengeza ngokuthi idokhumenti yepholisi izokhombisa ukuthi isicelo esihlobene nokukhuphuka kwamandla sizoba yini. ehlanganisiwe.
Ukweba nokugqekeza (40%), ukulimala kwengozi (16.6%) kanye nezenzo zemvelo (8.7%) phakathi kwezinye izikhalazo ezibhaliswe ngaphansi komkhakha wezimangalo zezindlu.
Izikhalazo zemoto zigcwele
Abathengi abaningi abafake izingxabano bakwenze lokho maqondana nezicelo zomshwalense ohlobene nemoto, ezibalelwa ku-43% wezikhalazo sezizonke.
Ngaphakathi kwalesi sigaba, izingxabano ezihlobene nezingozi zihole ngezikhalazo ezingu-65.1%, zilandelwa yilezo ezihlobene newaranti kanye nokuphahlazeka kwemishini (13.8%) kanye nokweba nokuduna (6.7%).
Izikhalo eziningi zabashayeli bezigxile ekwenqatshweni kwabadayisi bomshwalensi izicelo zabo ngenxa yokungafakwa kwenqubomgomo.
FUNDA KABANZI: Umxazululi womshwalense uzobuyiselwa imali engaphezu kuka-R300 million kumakhasimende
Izingxabano zezimoto ziphinde zavela kunani lesimangalo esiyingxabano (711), ukungadalulwa/ukuhlanekezela amaqiniso ekuqaleni (243), ukushayela udakwe utshwala/noma izidakamizwa (153) kanye nokuphuka kwemishini nogesi (112) ).
Esinye isizathu esizwakalayo sokungezwani phakathi komshwalense nomshwalense mayelana nezicelo zezimoto kwaba ukungakhokhwa kwamaphrimiyamu, njengoba kubhaliswe izingxabano ezinjalo eziyi-194.
Njengezinye izigaba eziningi zokusebenzisa imali, imboni yomshwalense yesikhashana ibonisa ubufakazi bomthengi ngaphansi kwengcindezi.
Ukuqedwa okusheshayo
Kulesi sikhathi esibuyekezwayo, u-R109 million “wenzuzo yemali kanye nenani” uklonyeliswe kubathengi ikakhulukazi emikhakheni yezohwebo (R43.8 million), izimoto (R39.6 million) kanye nezikhalo ezithinta abanikazi bezindlu (R16.68) million).
U-Osti uthathe izinsuku eziyi-16 ngaphansi ngokwesilinganiso ukuxazulula izingxabano uma kuqhathaniswa nonyaka odlule, kanti ingxabano emaphakathi ithatha izinsuku eziyi-122 ukuphothulwa – ukushoda kwezinsuku ezimbili kumgomo wehhovisi.
MANJE FUNDA: Ukuthi ukuphuma kugridi kuzowuthinta kanjani umshwalense wakho
“Imizamo eminingana yenziwe phakathi nonyaka ukuthuthukisa isilinganiso se-TAT [turnaround time]okuholele ekwehleni kwezinsuku eziyi-16 ku-TAT kusukela ngo-2021 naphezu kokwenyuka okucishe kube ngu-18% komthamo wezikhalo ezintsha futhi akukho ukwanda kwabasebenzi,” kubika.
Ngaphandle kwezimpelasonto namaholide omphakathi, isilinganiso sokushintsha isikhathi sonyaka bekuyizinsuku ezingama-85.
Lesi sihloko savela okokuqala ku-Moneyweb futhi saphinde sashicilelwa ngemvume. Funda isihloko sokuqala lapha.
