Gukuba 3 ubwishingizi bwa moto, na bo bahitamo kuzitwara nta bwishingizi, Bizakemurwa na nde?

Bamwe mu bamotari baravuga ko kuba igiciro cy’ubwishingizi bwa moto cyarikubye gatatu, byatumye bamwe batwara ibyo bizanyabiziga badafite ubwishingizi.

Mu Bitaro bya Kaminuza bya Kigali CHUK, aharyamye abarwayi biganjemo abakoze impanuka n’ibinyabiziga birimo na moto, baba abari bazitwaye ari abamotari, abo zakomerekeje, n’abari batwawe kuri moto nk’abagenzi n’abo zagonze.

Abenshi muri bo hari abakurijemo ubumuga, kugeza ubu bakaba bibaza uko bizagenda ku birebana n’ubwishingizi, kuko ari bwo bahanze amaso ko buzabarengera.

Jean de Dieu Nsabimana umumotari wakoze impanuka yagize ati ”Naje guhura n’ikamyo iraza iratugonga, umugenzi nari ntwaye yari umugabo yahise yitaba Imana, ubumuga mfite bugaragara ko ntazongera gutwara moto, icyifuzo mfite ku bwishingizi ni uko bwareba ubumuga mfite bukazakora igikwiye.”

Uwimana Gilbert wakomerekejwe na moto agira iti ”Naje guhura n’umumotari arangonga, ubu navunitse ukuguru n’urutoki ruracika, icyizere mfite ni uko hari ubwo wenda ubwishingizi buzankurikirana nkafashwa nkava aha. Hari igihe ukurikirana ugasanga byaratinze wareba n’uko bwakurishye ugasanga ntibihwanye n’impanuka wakoze.”

Umuforomokazi uhagarariye abandi mu ishami rishinzwe ibyo kubaga abarwayi muri CHUK, Muhongayire Esperance, avuga ko iby’ubwishingizi [nka mituweli] ku bantu batwara ibinyabiziga biza nyuma ku bantu bananiwe kwivuza, ariko ku badafite icyangombwa na kimwe bakoze impanuka na moto, ariko yo ifite ubwishingizi hari ukundi bigenda.

Kuri ubu, abamotari bavuga ko bahangayikishijwe n’ibiciro by’ubwishingizi bw’ibinyabiziga byabo, bwikubye inshuro zigera kuri eshatu mu gihe gito, aho bwavuye ku 45,000Frw ubu bikaba bigeze ku 153,200 kuri moto itarengeje imyaka 5.

Bavuga ko birenga 200,000 Frw kuri moto iyirengeje ikora, ibi ngo bikaba bituma bamwe bava muri ako kazi, abandi bagatwara abagenzi nta bwishingizi na bumwe bafite, ibintu binashobora gushyira ubuzima bwabo mu kaga, bidasize n’abagenzi.

Byukusenge Theogene ukorera muri Kigali ati ”Ubwishingizi bwarazamutse, ingaruka bitugiraho ni nyinshi cyane kuko urebye nko mu muhanda harimo moto nyinshi zigenda zidafite ubwishingizi bitewe n’ubwo bwikube, abenshi bamaze no kuva muri aka kazi kuko karimo ibibazo byinshi.”

Umuyobozi wa Federasiyo y’abamotari mu Rwanda, Ngarambe Daniel, yemeza ko ubuyobozi bwabo bagerageje kumenyesha inzego zose zireberera abamotari, ariko kugeza ubu batarabona igisubizo ku buryo batangiye gutekereza uburyo ishyirahamwe ryabo ryakwishyiriraho ubwishingizi bwabo bwihariye mu kwishakira igisubizo.

Ati ”Usanga assurance (ubwishingizi) yarushije moto agaciro, umumotari utabashije kubona assurance ayitwarira aho ukaba usanze wa mugenzi atwaye arangiritse abuze aho abariza. Bakwiye kureba iki kibazo kikaba umwihariko kikigwaho mu buryo bwihuse. Twashidutse bwarenzeho nta n’inama twagiranye nta n’ibaruwa y’integuza ko tugiye kongeza, ariko aho tubibabwiriye nta gisubizo turabona turategereje ariko mu gutegereza byumvikane ko umumotari ari kuhababarira.”

Inkomoko yo kwikuba kw’ubwishingizi

Hashize icyumweru RBA dukesha iyi nkuru igerageza kuvugana n’ishyirahamwe ry’abishingizi mu Rwanda ASSAR ariko ntibabasha kubabona.

Gusa, imwe muri sosiyete y’ubwishingizi ikorana n’abamotari yitwa Radiant isobanura ko ubwishingizi bwazamutse biturutse ku bwiyongere bw’amafaranga bishyura nk’indishyi bitewe n’impanuka za moto, aruta kure amafaranga y’ubwishingizi zitanga.

Umuyobozi ukuriye ishami rishinzwe impanuka muri iyi sosiyete, Muteteri Solange, avuga ko bashingiye ku kiguzi cy’ubwishingizi mu myaka 3 ishize ikigereranyo cyacyo cyarenze kuba 100% kigera kuri 330% akaba ari yo mpamvu yo kongera ibiciro.

Yagize ati ”Igiciro ni byo koko cyarazamutse ariko byaturutse ku mubare w’amafaranga twishyura impanuka ziturutse cyane cyane kuri moto, kuko turebye imyaka itatu ishize hagiye habaho kuzamuka buri mwaka ku buryo bukabije, ni bwo twafashe icyemezo cyo kuzamura ubwishingizi kuri moto. Turabakunda ni na yo mpamvu twakomeje kubarwaza aho abandi babonye ko iki gihombo batakomeza kugi-coveringa bakavuga bati iby’abamotari tubivuyemo.”

Umuyobozi Mukuru w’ikigega cyihariye cy’ingoboka Special Guaranty Fund, Joseph Nzabonikuza yemeza ko kuba hari abamotari badafite ubwishingizi binashyira Leta mu gihombo iyo habaye impanuka.

Ati ”Dufashe nk’umwaka ushize w’ingengo y’imari amafaranga twasohoye twishyura abantu bagize impanuka zo mu muhanda agera kuri miliyoni 660, muri izo ngizo abakomerekejwe na moto ni nka 80% ni ukuvuga miliyoni 586, uyu mwaka turangije w’ingengo y’imari hiyongereyeho miliyoni 200 ku buryo igihombo twatewe n’izo mpanuka zituruka ku bamotari ni nka miliyoni 267.”

Sosiyete sivile iti “ikibazo nikiganwe ubishishozi”

Umunyamabanga Nshingwabikorwa w’Umuryango urwanya ruswa n’akarengane, Appolinnaire Mupiganyi, yemeza ko iki kibazo gikwiye kwitabwaho cyane n’inzego zitandukanye hanaherewe ku makoperative babarizwamo nko muri ibi bihe ubuzima bw’abamotari na bwo bugirwaho ingaruka zikomeye na Covid19.

Yagize ati ”Twumva iki kibazo muri ibi bihe bya Covid19 ko bikwiye kwitabwaho no kuganirwaho kugira ngo koko nituba tunasubiye mu muhanda ntituzongere kubona ba bamotari bemera kwiyahura bagakora nta bwishingizi bafite bigira ingaruka ku muturage muri rusange kuko nitwe dukoresha serivisi za’bamotari ariko bikagira n’ingaruka kuri buriya bwishingizi n’ingaruka kuri ba bandi basanzwe bakora neza.”

Mu kiganiro n’abanyamakuru cyabaye mu kwezi kwa 5 Guverineri wa Banki Nkuru y’u Rwanda John Rwangombwa yasobanuye ko ikibazo cy’izamuka ry’ibiciro by’ubwishingizi ku binyabiziga harimo na moto, uru rwego rwabiganiriyeho n’abishingizi, rukabagira inama kandi ko humvikana impamvu zo kuzamura ibiciro by’ubwishingizi kugira ngo na bo batajya mu bihombo ariko na bwo ku buryo byakorwa gahoro gahoro.

Icyo gihe, Guverineri John Rwangombwa yagize ati:”Barebeye hamwe uburyo bahagarika iryo hangana mu biciro ngo bashyireho ibiciro biboneye noneho bashyiraho ingamba zivuga ko batagiye kongera kubigabanya , rero kubera ko batagiye kongera ku bigabanya ku mpungenge zo kubura isoko batinya kugera kure y’agaciro twemeranyije ku mafaranga fatizo bakwishyuza birangira bibaye nko kwikubira no kudashaka kugabanya ibiciro kuri buri kampani irengera inyungu zayo. Gusa ariko twagerageje kuvugana n’abari muri urwo rwego mu mezi atatu ashize, rero mutegereze ingamba hagati yacu na bo zizashyirwa ahagaragara vuba aha.”

Mu butumwa bugufi bwavuye mu buyobozi bwa Banki nkuru y’u Rwanda, bwemeza ko hari inyigo yihariye iri gukorwa kuri ibyo biciro uburyo byagabanywa n’umurongo urambye byahawe kandi ko ibiyikubiyemo bizajya ahagaragara mu gihe cya vuba

Kuri ubu, mu Rwanda habarurwa abamotari barenga 46,000.

Nk’urugero muri 2019 Sosiyete y’ubwishingizi Radiant ivuga yinjije amafaranga y’ubwishingizi kuri moto angana na miliyari 1 na miliyoni 490, yishyura miliyari 3 na miliyoni 695, ikigereranyo cya 276%. Na ho muri 2020 biba 363% ahakiriwe amafaranga yari miliyari 1 na miliyoni 210 iza kwishyura miliyari 3 na miliyoni 957.
Ni mu gihe uyu mwaka kugeza mu kwezi kwa 4 bari bamaze kubona amafaranga y’ubwishingizi miliyoni 238 bari bamaze kwishyura miliyoni 35 inyongera ingana na 500%

Yanditswe na NIYOYITA Jean d’Amour
Gukuba 3 ubwishingizi bwa moto, na bo bahitamo kuzitwara nta bwishingizi, Bizakemurwa na nde?

Bamwe mu bamotari baravuga ko kuba igiciro cy’ubwishingizi bwa moto cyarikubye gatatu, byatumye bamwe batwara ibyo bizanyabiziga badafite ubwishingizi.

Mu Bitaro bya Kaminuza bya Kigali CHUK, aharyamye abarwayi biganjemo abakoze impanuka n’ibinyabiziga birimo na moto, baba abari bazitwaye ari abamotari, abo zakomerekeje, n’abari batwawe kuri moto nk’abagenzi n’abo zagonze.

Abenshi muri bo hari abakurijemo ubumuga, kugeza ubu bakaba bibaza uko bizagenda ku birebana n’ubwishingizi, kuko ari bwo bahanze amaso ko buzabarengera.

Jean de Dieu Nsabimana umumotari wakoze impanuka yagize ati ”Naje guhura n’ikamyo iraza iratugonga, umugenzi nari ntwaye yari umugabo yahise yitaba Imana, ubumuga mfite bugaragara ko ntazongera gutwara moto, icyifuzo mfite ku bwishingizi ni uko bwareba ubumuga mfite bukazakora igikwiye.”

Uwimana Gilbert wakomerekejwe na moto agira iti ”Naje guhura n’umumotari arangonga, ubu navunitse ukuguru n’urutoki ruracika, icyizere mfite ni uko hari ubwo wenda ubwishingizi buzankurikirana nkafashwa nkava aha. Hari igihe ukurikirana ugasanga byaratinze wareba n’uko bwakurishye ugasanga ntibihwanye n’impanuka wakoze.”

Umuforomokazi uhagarariye abandi mu ishami rishinzwe ibyo kubaga abarwayi muri CHUK, Muhongayire Esperance, avuga ko iby’ubwishingizi [nka mituweli] ku bantu batwara ibinyabiziga biza nyuma ku bantu bananiwe kwivuza, ariko ku badafite icyangombwa na kimwe bakoze impanuka na moto, ariko yo ifite ubwishingizi hari ukundi bigenda.

Kuri ubu, abamotari bavuga ko bahangayikishijwe n’ibiciro by’ubwishingizi bw’ibinyabiziga byabo, bwikubye inshuro zigera kuri eshatu mu gihe gito, aho bwavuye ku 45,000Frw ubu bikaba bigeze ku 153,200 kuri moto itarengeje imyaka 5.

Bavuga ko birenga 200,000 Frw kuri moto iyirengeje ikora, ibi ngo bikaba bituma bamwe bava muri ako kazi, abandi bagatwara abagenzi nta bwishingizi na bumwe bafite, ibintu binashobora gushyira ubuzima bwabo mu kaga, bidasize n’abagenzi.

Byukusenge Theogene ukorera muri Kigali ati ”Ubwishingizi bwarazamutse, ingaruka bitugiraho ni nyinshi cyane kuko urebye nko mu muhanda harimo moto nyinshi zigenda zidafite ubwishingizi bitewe n’ubwo bwikube, abenshi bamaze no kuva muri aka kazi kuko karimo ibibazo byinshi.”

Umuyobozi wa Federasiyo y’abamotari mu Rwanda, Ngarambe Daniel, yemeza ko ubuyobozi bwabo bagerageje kumenyesha inzego zose zireberera abamotari, ariko kugeza ubu batarabona igisubizo ku buryo batangiye gutekereza uburyo ishyirahamwe ryabo ryakwishyiriraho ubwishingizi bwabo bwihariye mu kwishakira igisubizo.

Ati ”Usanga assurance (ubwishingizi) yarushije moto agaciro, umumotari utabashije kubona assurance ayitwarira aho ukaba usanze wa mugenzi atwaye arangiritse abuze aho abariza. Bakwiye kureba iki kibazo kikaba umwihariko kikigwaho mu buryo bwihuse. Twashidutse bwarenzeho nta n’inama twagiranye nta n’ibaruwa y’integuza ko tugiye kongeza, ariko aho tubibabwiriye nta gisubizo turabona turategereje ariko mu gutegereza byumvikane ko umumotari ari kuhababarira.”

Inkomoko yo kwikuba kw’ubwishingizi

Hashize icyumweru RBA dukesha iyi nkuru igerageza kuvugana n’ishyirahamwe ry’abishingizi mu Rwanda ASSAR ariko ntibabasha kubabona.

Gusa, imwe muri sosiyete y’ubwishingizi ikorana n’abamotari yitwa Radiant isobanura ko ubwishingizi bwazamutse biturutse ku bwiyongere bw’amafaranga bishyura nk’indishyi bitewe n’impanuka za moto, aruta kure amafaranga y’ubwishingizi zitanga.

Umuyobozi ukuriye ishami rishinzwe impanuka muri iyi sosiyete, Muteteri Solange, avuga ko bashingiye ku kiguzi cy’ubwishingizi mu myaka 3 ishize ikigereranyo cyacyo cyarenze kuba 100% kigera kuri 330% akaba ari yo mpamvu yo kongera ibiciro.

Yagize ati ”Igiciro ni byo koko cyarazamutse ariko byaturutse ku mubare w’amafaranga twishyura impanuka ziturutse cyane cyane kuri moto, kuko turebye imyaka itatu ishize hagiye habaho kuzamuka buri mwaka ku buryo bukabije, ni bwo twafashe icyemezo cyo kuzamura ubwishingizi kuri moto. Turabakunda ni na yo mpamvu twakomeje kubarwaza aho abandi babonye ko iki gihombo batakomeza kugi-coveringa bakavuga bati iby’abamotari tubivuyemo.”

Umuyobozi Mukuru w’ikigega cyihariye cy’ingoboka Special Guaranty Fund, Joseph Nzabonikuza yemeza ko kuba hari abamotari badafite ubwishingizi binashyira Leta mu gihombo iyo habaye impanuka.

Ati ”Dufashe nk’umwaka ushize w’ingengo y’imari amafaranga twasohoye twishyura abantu bagize impanuka zo mu muhanda agera kuri miliyoni 660, muri izo ngizo abakomerekejwe na moto ni nka 80% ni ukuvuga miliyoni 586, uyu mwaka turangije w’ingengo y’imari hiyongereyeho miliyoni 200 ku buryo igihombo twatewe n’izo mpanuka zituruka ku bamotari ni nka miliyoni 267.”

Sosiyete sivile iti “ikibazo nikiganwe ubishishozi”

Umunyamabanga Nshingwabikorwa w’Umuryango urwanya ruswa n’akarengane, Appolinnaire Mupiganyi, yemeza ko iki kibazo gikwiye kwitabwaho cyane n’inzego zitandukanye hanaherewe ku makoperative babarizwamo nko muri ibi bihe ubuzima bw’abamotari na bwo bugirwaho ingaruka zikomeye na Covid19.

Yagize ati ”Twumva iki kibazo muri ibi bihe bya Covid19 ko bikwiye kwitabwaho no kuganirwaho kugira ngo koko nituba tunasubiye mu muhanda ntituzongere kubona ba bamotari bemera kwiyahura bagakora nta bwishingizi bafite bigira ingaruka ku muturage muri rusange kuko nitwe dukoresha serivisi za’bamotari ariko bikagira n’ingaruka kuri buriya bwishingizi n’ingaruka kuri ba bandi basanzwe bakora neza.”

Mu kiganiro n’abanyamakuru cyabaye mu kwezi kwa 5 Guverineri wa Banki Nkuru y’u Rwanda John Rwangombwa yasobanuye ko ikibazo cy’izamuka ry’ibiciro by’ubwishingizi ku binyabiziga harimo na moto, uru rwego rwabiganiriyeho n’abishingizi, rukabagira inama kandi ko humvikana impamvu zo kuzamura ibiciro by’ubwishingizi kugira ngo na bo batajya mu bihombo ariko na bwo ku buryo byakorwa gahoro gahoro.

Icyo gihe, Guverineri John Rwangombwa yagize ati:”Barebeye hamwe uburyo bahagarika iryo hangana mu biciro ngo bashyireho ibiciro biboneye noneho bashyiraho ingamba zivuga ko batagiye kongera kubigabanya , rero kubera ko batagiye kongera ku bigabanya ku mpungenge zo kubura isoko batinya kugera kure y’agaciro twemeranyije ku mafaranga fatizo bakwishyuza birangira bibaye nko kwikubira no kudashaka kugabanya ibiciro kuri buri kampani irengera inyungu zayo. Gusa ariko twagerageje kuvugana n’abari muri urwo rwego mu mezi atatu ashize, rero mutegereze ingamba hagati yacu na bo zizashyirwa ahagaragara vuba aha.”

Mu butumwa bugufi bwavuye mu buyobozi bwa Banki nkuru y’u Rwanda, bwemeza ko hari inyigo yihariye iri gukorwa kuri ibyo biciro uburyo byagabanywa n’umurongo urambye byahawe kandi ko ibiyikubiyemo bizajya ahagaragara mu gihe cya vuba

Kuri ubu, mu Rwanda habarurwa abamotari barenga 46,000.

Nk’urugero muri 2019 Sosiyete y’ubwishingizi Radiant ivuga yinjije amafaranga y’ubwishingizi kuri moto angana na miliyari 1 na miliyoni 490, yishyura miliyari 3 na miliyoni 695, ikigereranyo cya 276%. Na ho muri 2020 biba 363% ahakiriwe amafaranga yari miliyari 1 na miliyoni 210 iza kwishyura miliyari 3 na miliyoni 957.
Ni mu gihe uyu mwaka kugeza mu kwezi kwa 4 bari bamaze kubona amafaranga y’ubwishingizi miliyoni 238 bari bamaze kwishyura miliyoni 35 inyongera ingana na 500%

Yanditswe na NIYOYITA Jean d’Amour