Mu mijyi itandukanye y’u Rwanda moto zirenze imwe zikunyuraho buri segonda, ariko zikaba n’intandaro y’impanuka nyinshi ziba hirya no hino mu gihugu.

Ibi byatumye ibigo by’ubwishingizi byose bihitamo kuzitera umugongo, icyakora kimwe muri byo cyiyemeza kugurisha ubwishingizi bwa moto ariko ibiciro bikazamurwa.

Kugeza ubu moto imaze igihe kiri munsi y’imyaka itanu ubwishingizi bwayo ni 184 000 Frw ku mwaka, na ho imaze imyaka irenga itanu ikishyuzwa ibihumbi 225 Frw, mu gihe irenze imyaka 10 yo igiciro kijya hejuru yayo.

Kuri uyu wa 18 Ugushyingo 2024 ubwo BNR yagezaga ku Nteko Ishinga Amategeko imitwe yombi raporo y’umwaka wa 2023/2024, Depite Nizeyimana Pie yagaragaje ko hakwiye kurebwa niba kuzamura ibiciro by’ubwishingizi bwa moto ari wo muti urambye.

Ati “Hajyaga habaho ubwishingizi bwa moto yo kugendaho [promenade] aho bishyuraga ibihumbi 86 Frw ariko ubu na bo bazajya bishyura nk’abamotari, nka BNR ifite ubwishingizi mu nshingano babona gute? Babona ko igisubizo kirambye ari ukongera amafaranga cyangwa hari uburyo byakorwa bitabangamiye ba nyiri moto?”

Guverineri wa Banki Nkuru y’u Rwanda John Rwangombwa yamusubije ko abamotari bitwara nabi mu muhanga bagateza impanuka ku buryo ibyo ibigo by’ubwishingizi bibishyurira bihita biba umurengera.

Ati “Ibya moto twese turabizi impanuka ziba zitewe na moto, imitwarire yabo n’imico yabo harimo ikibazo gikomeye cyane bigatuma umuntu w’ubwishingizi abihomberamo cyane. Umuntu w’umumotari yikubita imbere ya mini-bus itwaye abantu 18 ya mini-bus igahirima, moto ni yo yateye impanuka, igihe cyo kwishyura ba bantu bose 18 bari muri bisi bikabazwa wa muntu wishingiye moto.”

“Icyo kibazo rero gituma abishingizi barasubiye inyuma basanga igihombo baterwa na moto kigoye cyane abenshi banabivamo banga kwishingira moto hasigara umwishingizi umwe, we asa n’aho yemeye ariko akazamura na we ariko akungukira mu kuba bose bahuriye iwe, ya mafaranga bamuhaye akayashora mu ishoramari, inyungu akuye mu ishoramari zikamufasha kugabanya cya gihombo kuko bariya bamotari ugiye kubaca amafaranga ugereranyije n’ibibazo batera na 200000Frw muvuga numva yaba ari makeya cyane.”

Umuyobozi Mukuru wa Radiant Insurance Company, Marc Rugenera, aherutse kubwira IGIHE ko ayo mafaranga bishyuzwa ari make kuko nko mu bihe byashize hari aho baciwe 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?”

Guverineri Rwangomba yashimangiye ko haramutse habazwe igiciro cy’ubwishingizi bwa moto hagendewe ku bibazo ziteza amafaranga zishyuzwa yaba make cyane.

At “Batera ibibazo bikomeye cyane ku buryo kujya kubara neza ubwishingizi nyabwo bagombye kwishyura ni menshi cyane. Ikibazo ni ukuvuga ngo ibyago umwishingizi agiye kwirengera bingana iki, amafaranga azishyura angana iki, aho ni ho bituma bisa n’aho bigaragara nk’aho bikiri hejuru ariko uko imodoka zigenda ziba nyinshi, ndetse iyo urebye imibare nubwo hagiyeho ingamba zitandukanye mu gukemura ikibazo cy’ingendo ariko imibare y’impanuka ntabwo yagabanyutse kuko n’imodoka zakomeje kwiyongera.”

Yavuze ko ibibazo by’ubwishingizi bw’ibinyabiziga byakemuka ari uko ingamba zifatwa mu kugabanya impanuka zitanze umusaruro.

Undi muti witezwe ni itegeko rigenga uko abantu bishyurwa iyo habaye impanuka, “bituma habamo kwishyura amafaranga y’umurengera iyo habayeho ikibazo icyo ari cyo cyose. Ibyo ni byo bizafasha kugira ngo ikibazo cyo guhenda k’ubwishingizi ku binyabiziga kibe cyafatirwa ibyemezo.”

Abamotari bo bavuga ko kubera ibiciro by’ubwishingizi biri hejuru, usanga hari abiyemeza kuzitwara nta bwo zifite babizi ko bishobora gushyira ubuzima bwabo n’ak’abakoresha umuhanda mu kaga igihe habaye impanuka.

BNR yahamije ko ibigo by'ubwishingizi byose byari byamaze kwanga guha moto ubwishingizi, kimwe muri byo cyemera kuzifata ariko ibiciro bikazamuka

Abamotari bashinjwa kugenda nabi mu muhanda ku bigateza impanuka za hato na haho