Impinduka mu izamurwa ry’ibiciro by’ubwishingizi bw’ibinyabiziga: Bigiye gukorwa mu byiciro

Yanditswe na Rabbi Malo Umucunguzi
Kuya 21 Mutarama 2018 saa 04:21
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Ihuriro ry’Ibigo by’Ubwishingizi mu Rwanda (ASSAR) ryatangaje ko nyuma y’ibitekerezo byatanzwe n’Abanyarwanda batishimiye izamurwa ry’ibiciro by’ubwishingizi, bizashyirwa mu bikorwa mu gihe cy’imyaka ibiri aho kuba inshuro imwe nk’uko byari byemejwe mbere.

Ni umwanzuro iri huriro rivuga ko utagizwemo uruhare n’igitutu cy’urwego urwo ari rwo rwose ahubwo bumvise uburyo abagenerwabikorwa b’ubwishingizi bw’ibinyabiziga binubiye izamurwa ry’ibiciro ku buryo hari ibyakubwe hafi kabiri.

ASSAR iheruka gutangaza ko guhera tariki ya 1 Mutarama 2018, igiciro cy’ubwishingizi ku by’abandi byakwangirika, cyongerewe kuva kuri 40% kugeza kuri 73%; ubwishingizi ku by’abandi wakwangiza n’ibyawe byakwangirika bwongerwa kuva kuri 3.5% by’igiciro cy’imodoka kugeza kuri 4.5%.

Umuyobozi w’iryo huriro, Kanamugire Gaudens, kuri iki Cyumweru yabwiye itangazamakuru ko ibi biciro by’ubwishingizi byongerewe kuko bitari bijyanye n’igihe, dore ko hakoreshwaga ibyo mu 2008.

Mu 2013 haje gushyirwaho inyigo yarebye uko ikibazo cyakemukai garagaza ko ibiciro biri hasi cyane, ko bikwiye kuzamurwa.

Ariko ubwo bafataga umwanzuro wo gutangira gushyira mu bikorwa ibi biciro bishya, ntibyakiriwe neza bituma abishingizi bajya hamwe bareba uko babishyira mu byiciro.

Yagize ati “Twasanze ibiciro byatanzwe n’inyigo twabishyira mu byiciro bibiri, tugatangira twongera ku kigero cya 60% aho kugira ngo inyongera ibere icya rimwe, mu mwaka utaha tukazongeraho 40% tukagera ku mibare inyigo yagaragaje ko yatanga igisubizo.”

Bivuze ko nk’ubwishingizi bwa moto bwavuye ku 30, 000Frw, igiciro gishya kigomba kuba 50,000Frw ku mwaka ariko biraba 42,000 Frw kuri iki cyiciro cya mbere.

Naho nk’ivatiri yagombaga guhita yishyura 44,000Frw ku mwaka, kuri iyi nshuro ya mbere biraba 38, 000 Frw naho nk’imodoka ikora Taxi, igiciro cyagombaga kuba 378,000 Frw ku mwaka, ubu biraba 312,000Frw ku cyiciro cya mbere.

Kanamugire yavuze ko hagendewe ku biciro byari bihari, “abishingizi bari basigaye batagishiboye kuzuza inshingano zabo mu kwishyura impanuka, ku buryo byari bitagishobotse ko bakomeza gukorera muri iyo mikorere.”

Yavuze ko mbere yo gushyiraho ibi biciro baganiriye n’Urwego Ngenzuramikorere (RURA) rufite inshingano zo kugenzura ibiciro by’ingendo, basanga uburyo byongerewe nta ngaruka zikomeye bihita bigira.

Kanamugire yakomeje agira ati “Ikigero twari twarabishyizeho byari kuzagira ingaruka ariko imibare yasubiwemo nta ngaruka nini ihari yo kuvuga ngo ibiciro by’ingendo byakwiyongera, kereka habayeho izindi mpinduka atari ukuvuga ngo ni ubwishingizi gusa.”

Ibiciro si byo bizakemura ibibazo

Umuyobozi wa ASSAR yavuze ko mbere ibigo by’ubwishingizi byari bifite ibibazo by’imikorere n’inyungu idahagije, biza kwivugurura ariko bigaragara ko bitakemuye ikibazo cy’amikoro.

Umuyobozi wa Radiant Insurance Company, Rugenera Marc, yavuze ko uretse kuzamura ibiciro, hakiri n’ibindi bibazo bigomba gushakirwa umuti bikidindiza imitangire y’ubwishingizi bw’ibinyabiziga mu Rwanda.

Yakomeje agira ati “Abakiliya b’ibigo by’ubwishingizi ntabwo ari abafata ubwishingizi gusa. Na ba bandi bagize impanuka bagomba kwishyurwa kandi bakishyurwa ibikwiye. Ariko kugira ngo bishyurwe ibikwiye ni uko tugira amategeko avuga ibintu byumvikana.”

Yavuze ko hari ubwo umuntu ukeneye kwishyurwa yitabaza umucamanza, akabaribwa amafaranga y’indishyi hagendewe ku mushahara uba udasobanutse.

Yakomeje agira ati “Ikindi kibazo ni forode iba mu bwishingizi, ugasanga umuyobozi wo mu rwego rw’ibanze atanze icyemezo ku mwana ufite imyaka 16 ngo uwo mwana niwe wari utunze umuryango we wose, na bakuru be bubatse ingo, sosiyete y’ubwishingizi yajya kwishyura ugasanga igiye kwishyura ibintu bidakwiriye.”

Ibyo byose ngo biteza igihombo ku buryo bikomeje bishobora kunaniza urwego rw’ubwishingizi kuko impanuka ibigo by’ubwishingizi byishyura zibifite 80% by’umuzigo bifite, ibindi bigasigarana 20%.

Minisitiri w’Imari n’Igenamigambi, Amb. Gatete Claver , yavuze ko ari byiza kuba ibi biciro bigiye gushyirwa mu bikorwa mu byiciro kuko nk’abayobozi mu nzego zose bafite inshingano yo kwita ku baturage “ntihagire umuntu n’umwe urengana.”

Ibiciro bishya by'ubwishingizi bw'imodoka bugomba gushyirwa mu bikorwa mu byiciro bibiri aho kuba icya rimwe nk'uko byari byatangajwe mbere. Ku ikubitiro ni kuri 60% hanyuma 40% gasigaye bikaba umwaka utaha

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