Kugeza ubu moto imaze igihe kiri munsi y’imyaka itanu ubwishingizi bwayo ni 184000 Frw mu gihe cy’umwaka n’aho imaze imyaka irenga itanu bikaba amafaranga angana n’ibihumbi 225000 Frw, mu gihe irenze imyaka 10 yo igiciro kiri hejuru yayo.

Moto ni kimwe mu binyabiziga bikunze guteza impanuka nyinshi, mu muhanda bikaba biri mu bituma ibigo by’ubwishingizi bigwa mu bihombo ndetse bimwe bikanatinya kuzishingira.

Mu 2023, ubwo Banki Nkuru y’Igihugu yazamuraga amafaranga y’ubwishingizi bw’ibinyabiziga, yagaragaje ko impamvu bwazamuwe ari uko n’ikiguzi cy’amafaranga yishyurwa abagizweho ingaruka n’impanuka cyiyongereye cyane.

Mu buryo bw’imibare, 184000 Frw atangwa mu gihe cy’umwaka kuri moto, ugabanyije n’iminsi 365 igize umwaka usanga nibura nyiri moto yishyura 501 Frw ku munsi ku bwishingizi bw’ikinyabiziga cye.

Mu gihe iyo moto yakora impanuka ikaba yakomeretse abantu cyangwa kwangiza ibindi mu buryo bukomeye, ubwishingizi busabwa kwishyura ibyangijwe bijyanye n’amasezerano yakozwe.

Aho niho ibigo by’ubwishingizi bihera bigaragaza ko harimo urusobe muri iryo shoramari kuko n’amategeko agenga imyishyurire y’ibyangijwe n’impanuka yatinze kuvugururwa.

Umuyobozi Mukuru wa Radiant Insurance Company, Marc Rugenera, yabwiye IGIHE ko ayo mafaranga ari make cyane ku ruhande rw’ibigo by’ubwishingizi.

Yagaragaje ko hari ubwo bigeze gucibwa miliyoni 107 Frw biturutse ku mpanuka yabayeho y’umuntu wakomerekejwe na moto habarwa igihe yari asigaje ngo ajye mu kiruhuko cy’izabukuru kuko yari afite akazi kamuhemba miliyoni 3 Frw ku kwezi.

Ati “Ubwo koko izo miliyoni 107 Frw zava he muri ibyo bihumbi 180 Frw haba harimo n’imisoro ya Leta?”

Yavuze ko nta mpamvu ihari yo guhenda abantu ku bintu byashoboka ahubwo ko ubwishingizi butari hejuru ugereranyije n’ibisabwa.

Yagaragaje ko mu mafaranga abishingira ibinyabiziga byabo batanga hakurwaho imisoro igera hafi kuri 30%.

Ati “Erega nta nyungu dufite zo guhenda abantu ku bintu byashoboka. Buriya amafaranga twishyura abakomerekeye mu mpanuka ni ayo abishingira ibinyabiziga bishyura. Baramutse batanga make rero ikigo cy’ubwishingizi ntacyo cyakora uretse kuvuga giti ngiye kongera ibiciro kugira ngo nzashobore kwirengera ibizangirika.”

Yashimangiye ko ubwo bwishingizi budahenda by’umwihariko kuri moto ukurikije uko n’uburyo impanuka zo mu muhanda zibaho kandi inyinshi ziturutse kuri moto.

Yagaragaje kandi ko hakiri ikibazo mu bijyanye no kwishyura ibyangijwe biturutse ku kuba amategeko agenga ubwishingizi atavugururwa ngo ajyanishwe n’igihe.

Biteganyijwe ko mu gihe ayo mategeko yashyirwaho, hazagenwa ibigomba kwishyurwa n’ibitagomba kwishyurwa ku buryo hazajya hishyurwa ibirikwiye.

Yavuze ko imishinga yo kuvugurura ayo mategeko yarangiye nubwo yatinze gushyirwa ahagaragara kandi ashobora gushyira umucyo ku bibazo bikomeje kuzonga urwego rw’ubwishingizi.

Ku bijyanye no korohereza abamotari kwishyura ubwishingizi, yavuze ko hashyizweho uburyo bwo kubikora mu byiciro bine kandi bitanga umusaruro.

Ati “Biragoranye pe ko umumotari abona ibyo bihumbi 180 Frw icyarimwe, ariko twageze aho dushyiraho gahunda yo kwishyura mu byiciro, ubu dufite uburyo bwo mu byiciro bine.”

Yavuze ko kuri ubu hari gutekerezwa uburyo bwo gukorana na sosiyete y’itumanaho ya MTN Rwanda ku buryo abamotari bajya bizigamira nibura 1000 Frw akaba ari yo azajya akurwaho ubwishingizi.

Uburiganya bwatumye ibiciro bimwe bitumbagizwa

Radiant Insurance Company yatangaje ko guhera mu ntangiriro z’Ukwakira 2024, ibiciro bya Moto zose biba bimwe zaba izo gutemberaho cyangwa izo gukoresha akazi ko gutwara abagenzi.

Rugenera yagaragaje ko icyo cyemezo cyafashwe nyuma y’uko hari abantu bigaragaye ko bakoresha uburiganya mu bwishingizi, ugasanga baguze ubwa moto zo gutemberaho kubera byari ku giciro gito bikarangira bazikoresheje umwuga wo gutwara abantu.

Ibyo byatumye hashyirwaho igiciro kimwe kingana kuri moto zose zaba izikoreshwa mu ngendo zisanzwe cyangwa izikoreshwa mu kazi ko gutwara abantu n’ibintu uretse moto z’ibigo runaka n’imiryango idaharanira inyungu.

Ati “Moto za Leta cyangwa moto z’imiryango itari iya leta ntabwo ibiciro byiyongereye ariko izo moto zisanzwe baba babeshya ko ari izo gutemberaho bakagenda bakazikoresha baringa bakikorera amafaranga, ni byo byashyizwe ku giciro kimwe n’abamotari.”

Yavuze ko uretse n’ibyo izo moto zishyuraga amafaranga make cyane y’ubwishingizi angana n’ibihumbi 39 Frw.

Ati “Ibyo biciro byari byashyizweho muri 2018, rero bikomeje bityo nta sosiyete y’ubwishingizi yazongera kubaho.”

Abamotari basaba ko ubwishingizi bwa moto bwagabanywa

Abamotari bararira ayo kwarika

Ku rundi ruhande, abakora umwuga wo gutwara abantu kuri moto binubira ko ibiciro by’ubwishingizi bw’ibinyabiziga byurijwe cyane ngo kuko bituma nta terambere bageraho nk’uko Ndahayo Joseph yabigarutseho.

Ati “Ikibazo kiri mu bwishingizi ni uko buhenze cyane kandi abagenzi nta gihinduka mu biciro. Kuri iyi saha kuba moto yishyura ubwishingizi bungana butyo ni ikibazo. Uko ibiciro byagiye bizamuka twebwe ku bijyanye n’ingendo nta cyagiye gihinduka.”

Ndahayo yavuze ko ibigo by’ubwishingizi bikwiye kugabanya ingano y’ikiguzi cyabwo kandi hakarebwa n’uko ibiciro by’ingendo kuri moto byashyirwaho umucyo.

Bahati Jean yagize ati “Ubwishingizi bwa moto buri hejuru cyane, nk’iyi moto yanjye nishyura ibihumbi 232 FRw kuri moto irengeje imyaka itanu, washyiraho imisoro, n’uruhushya usanga ari amafaranga menshi bigatuma uyu mwuga wacu ntacyo umarira uwukora.”

Yakomeje ati “Numva ko mwatuvuganira ubwishingizi bakabumanura rwose, kuko urebye nk’imodoka ntoya zigira imyanya itanu usanga ubwishingizi bwazo buhendutse kurusha moto. Kandi nubwo bavuga ngo moto ziteza impanuka biba byatewe n’izo modoka kuko usanga mu muhanda badusuzugura cyane.”

Nsenga Ezechiel umaze imyaka 13 akora umwuga wo gutwara abantu kuri moto, yavuze ko atumva uko moto y’amapine abiri yishyuzwa ubwishingizi bw’ibihumbi 200 Frw.

Ati “Moto yo nta kintu twageraho bitewe n’ibibazo bibamo. Ntabwo moto y’amapine ababiri yakaguze ubwishingizi bw’amafaranga ibihumbi 200 Frw. Ukurikije na kera ntibivuze ko ubu ari bwo moto zikora impanuka nyinshi. Ahubwo dutekereza ko ari uburyo wa muntu ushaka kugira amafaranga akoresha ngo ubutunzi abugire bwinshi ariko usanga no kubaho bitugora.”

Yavuze ko kubera ibiciro biri hejuru by’ubwishingizi, usanga hari abiyemeza kuzitwara nta bwo zifite ibintu bishobora gushyira ubuzima bwabo mu kaga n’ak’abakoresha umunda muri rusange mu gihe habaye impanuka.

Umuyobozi Mukuru wa Radiant Insurance Company Marc Rugenera ntiyemeranya n'abamotari bavuga ko ubwishingizi bwa moto buri hejuru

Ibigo by'ubwishingizi byo bigaragaza ko ubwishingizi bwa moto butari hejuru cyane ugereranyije n'ibigenda mu gihe hakozwe impanuka

Ibigo byishingira moto bigaragaza ko harimo igihombo gikomeye biturutse ku mpanuka zikunze kubaho

Moto itaramara imyaka itanu itanga angana n'ibihumbi 184 Frw ku mwaka nk'ubwishingizi

Abamotari bavuga ko ubwishingizi bwa moto buri hejuru cyane

Amafoto: Kasiro Claude