Abishingizi (ASSAR) basabwe kugena ibiciro by’ubwishingizi bw’ibinyabiziga hakurikijwe ibyago bya buri mushoferi

Ibigo by’ubwishingizi mu Rwanda byasabwe kurushaho gukoresha amakuru ajyanye n’imyitwarire y’abatwara ibinyabiziga n’amateka yabo y’impanuka mu kugena amafaranga bishyura, mu rwego rwo gutandukanya ibyago buri mushoferi ateza. Ibi biri mu biganiro bikomeje ku mavugurura y’isoko ry’ubwishingizi bw’ibinyabiziga mu Rwanda, aho hagaragajwe ko gukoresha ibiciro bisa ku batwara ibinyabiziga batandukanye bishobora kutagaragaza neza ibyago buri wese ateza. Nk’uko ikinyamakuru The New Times cyabitangaje ku wa 21 Ukwakira 2026, uburyo bwo kugena ibiciro hashingiwe ku byago (risk-based pricing) bushobora gufasha abishingizi kurushaho guhuza amafaranga bishyuza n’urwego rw’ibyago by’umukiriya. Impanuka n’ikiguzi cy’indishyi biri mu mpamvu Iyi gahunda ije mu gihe ibigo by’ubwishingizi bikomeje guhangana n’izamuka ry’ikiguzi cyo gusana ibinyabiziga, kwishyura indembe n’indishyi z’abahitanwe n’impanuka zo mu muhanda. Ku wa 9 Nzeri 2026, Ishyirahamwe ry’Abishingizi mu Rwanda (ASSAR) ryatangaje ko ibiciro by’ubwishingizi bw’ibinyabiziga ku bandi bantu (Motor Third-Party Insurance) byavuguruwe, bikaba byaratangiye gukurikizwa ku wa 1 Ukwakira 2026. ASSAR yasobanuye ko iri vugurura ryatewe n’izamuka ry’umubare n’ikiguzi cy’indishyi, izamuka ry’ibiciro by’ibikoresho bisimbuzwa mu gusana ibinyabiziga, ubuvuzi n’andi mafaranga ajyanye no kwishyura ibyangijwe n’impanuka. Ese abamotari n’abatwara imodoka bazishyura angahe? Uburyo bwo kugena ibiciro hashingiwe ku byago bushobora gutuma amafaranga umushoferi yishyura atandukana n’ayo undi yishyura, bitewe n’amateka y’impanuka, imyitwarire ye mu muhanda n’ibindi bipimo byemewe n’umwishingizi. Icyakora, amakuru yatangajwe ku wa 21 Ukwakira ntagaragaza urutonde rw’amafaranga mashya buri cyiciro cy’ibinyabiziga kigomba kwishyura hashingiwe kuri ubu buryo. Ni yo mpamvu abatwara ibinyabiziga bakwiye kubanza kugenzura ibiciro biriho ku kigo cy’ubwishingizi bakorana na cyo, aho gufata ko buri mushoferi agomba guhita yishyura amafaranga yiyongereye ku rugero rumwe. Ubwishingizi bwa Motor Third-Party ni ubwishingizi butegekwa n’amategeko burengera abandi bantu iyo ikinyabiziga giteje impanuka ikabagiraho ingaruka, zirimo gukomereka, gupfa cyangwa kwangirizwa umutungo. Ntibwishyura ibyangiritse ku kinyabiziga cy’ubwite bwite cy’uwagiteje impanuka. Icyakora, niba uburyo bwo kugena ibiciro hashingiwe ku byago buzashyirwa mu bikorwa mu buryo bwagutse, bizaterwa n’amabwiriza azakurikizwa n’uko ibigo by’ubwishingizi bizabukoresha. Abatwara ibinyabiziga barasabwa gusobanuza abishingizi babo ibiciro n’amabwiriza bishya mbere yo kuvugurura amasezerano y’ubwishingizi.