Ukukhutshwa koMbane
Ininzi yemigaqo-nkqubo yemfanelo iqulethe ukukhutshwa okubanzi okusebenza kwiinqwelo-moya (kunye ne-autos kunye ne-watercraft). Ukukhutshwa kuphelisa ukukhutshwa kwengozi yomzimba okanye umonakalo wepropathi wena (okanye nayiphi na i-insured) ebangela ukuba unayo, ugcine okanye usebenzise i-moya. Ukukhutshwa kuzo kusebenza nakwiindiza oziqashisayo, ukuboleka okanye ukuzinikela komnye umntu. Nasi umzekelo wendlela ukukhutshwa kungasetyenziswa ngayo.
UGeorge unesisombululo seGeotechnical, inkampani yobunjineli enika iinkonzo zokubonisana. UGeorge ungumnikazi wendiza encinane ayisebenzisayo kwishishini lakhe. Ngelinye ilanga, uGeorge uyasiza indiza yakhe kwelinye ilizwe ukuze adibane nomxhasi. Uhlahlela indiza kwisikhumulo sezindiza. Ngethuba lokhawuleza kwindawo yokupaka, uGeorge waphawula ngephutha iphiko le-jet encinci. Umnini-jet ufuna ukuba iGeorge ihlawule indleko yokulungisa i-jet. UGeorge uyathumela ibango lakhe kumgcini-mali.
Umshuwalense wenqaba ukuhlawula ibango, ecacisa ukukhutshwa kweenqwelo.
Ubume beMvumelwano
Ukukhutshwa kweenqwelo-moya kuqulethe into echaphazelekayo ekusebenziseni izibophelelo . Umlinganiselo unikezelwa uxanduva oluxhomekeke phantsi kwayo nayiphi na isivumelwano esiqinisekisiwe sobunikazi, ukugcinwa okanye ukusebenzisa nayiphi na inqwelo. Oko kukuthi, ukuba uthatha uxanduva egameni lomnye umntu ngenxa yamabango avela ekusebenziseni kwendiza, ezo zibango ziyakutyalwa.
Ngokomzekelo, cinga ukuba uGeorge kufuneka ahambe kwintlanganiso yebhizinisi ngamamayela angama-500 kude. Uthatha isigqibo sokuqasha iinqwelo-moya ukusuka kwi-Rent-A-Plane, esebenza kwisikhululo senqwelo-moya. Inkontileka yokuqeshisa iqulethe isivumelwano sembuyekezo. Isivumelwano sifuna inkampani yaseGeorge ukuba ihlawule i-Rent-A-Plane kuyo nayiphi na inzakalo yomzimba okanye umonakalo wepropathi uGeorge kubangela umntu wesithathu ngokusebenzisa yakhe indiza yokuqashisa.
UGeorge uyayibonisa isivumelwano kwaye aqhube kwi-plane. Kwiyure kamva uzama ukuhlawula kwisikhumulo sezindiza xa ephosakele umzila. UGeorge ugweba ngephutha isithuthi kwisakhiwo. Ngethamsanqa, akukho nanye kwisakhiwo xa kuqhutyelwa, kwaye uGeorge akalimazi kakhulu. Nangona kunjalo, isakhiwo sonakaliswe.
Umnini wesakhiwo ubeka i-Rent-A-Plane nge $ 50,000, indleko yokulungisa isakhiwo. Irente-A-Plane ihlawula umnikazi wepropati kwaye ifuna ukubuyiselwa kwenkampani yaseGeorge, icacise isivumelwano sokuhlawulelwa. UGeorge uthumela ibango lakhe kwintlawulo yomshuwalense. Ngenxa yokuba ibango lavela kwi-galemende uGeorge wayeyifumene phantsi kwekhontraki, umgcini-mali uya kuhlawula ibango.
Akukho Mphumo woMonakalo kwiNqwelo
Kwimzekelo edlulileyo, cinga ukuba inqwelo-moya iyonakaliswe xa uGeorge ehlaselwa kwisakhiwo.
Ngaphantsi kwesivumelwano sokuqasha, uGeorge unesibopho salo nawuphi umonakalo owenzayo kwinqanaba ngexesha lesivumelwano. I-Rent-A-Plane ifuna ukuba iGeorge ihlawule iindleko zokulungiswa kwendiza. Ukuba uGeorge uyathumela ibango kwintlawulo yakhe yomshuwalense, ngaba i-inshurensi iya kuhlawula ibango? Impendulo ayikho.
Ininzi yemigaqo-nkqubo yemfanelo ayifaki umonakalo wepropati kwipropati "yokunyamekela, ukugcinwa okanye ukulawula." Ngelo xesha idilesi yokuqasha yonakaliswe, yayingaphantsi kweGeorge. Ngaloo ndlela, ibango elifakwe yi-Rent-A-Plane ayiyi kuhlanganiswa.
IiNqwelo eziNgekhoyo
Abanye abatshutshisi baya kwengeza "ngaphandle kweenqwelo zeenqwelo" ngaphandle kokukhutshwa kweenqwelo. Ngelixa iilwimi zihluka, le ngqungquthela ibandakanya iibango ezivela ekusebenziseni kwinqwelo ongeyena okanye usebenze, ukuba uqeshe idiza kunye nabasebenzi abahlawuliweyo.
Ukuxhaswa okunikezelweyo kweenqwelo-moya ezingekho phantsi kweenkonzo kusebenza ngokugqithiseleyo . Oku kuthetha ukuba umgaqo-nkqubo uza kuhlawula emva kwayo nayiphi na inqaku elikhoyo, njengemigaqo-nkqubo yemfanelo yendiza, isetyenziswe.