Ibhizinisi lezolimo linobungozi obungajwayelekile, isimo sezulu esingathembekile esibhebhezelwa wukuguquguquka kwesimo sezulu. Ungoti womshwalense uMnu uTheo Potgieter uphendula imibuzo yakho eshisa ibunzi ngomshwalense wezolimo.
UPotgieter wumqondisi e-UniGro Insurance Brokers osesebenze embonini yomshwalense iminyaka engaphezu kwewu-30 uthi kufanele abalimi bathathele amabhizinisi abo umshwalense njengoba benza uma bethathela amakhaya noma izimoto zabo – ukuze bahlale bekhululekile.
“Njengomshwalense wendlu, umshwalense wepulazi lakho uyakuvikela uma izimpahla zicekeleka phansi, uvikela nawe uqobo, uma kukhona abalimalayo noma izitshalo zimosheka. Uyakuvikela wena nomndeni wakho ukuthi ningangeni ezinkingeni zemali. Ezolimo zimqoka ekuqinisekiseni ukuthi kunokudla okwanele eNingizimu Afrika kanti umshwalense wezolimo wenza abalimi bakhululeke bazi ukuthi izimpahla zabo nezitshalo zivikelekile, okwabo nje wukugxila ekutshaleni.”
UPotgieter uthi ngokuba nomshwalense, abalimi bayakwazi ukuvikela izimpahla zabo, bashiyele abathandiweyo babo ifa, bakhokhele izikweletu nezinye izindleko futhi baqinisekise ukuthi banemali eyanele. Uthi kufanele abalimi babheke indaba yokuba nomshwalense uma beqala ukuba nezimpahla noma beqala ukutshala.
“Namabhange azofuna ukuthi izinto ezithathwe ngesikweletu zibe nomshwalense. Lana sikhuluma ngemali ebolekelwe ukutshala.”
Umshwalense udinga kubhekwe kahle umlimi, kufanele ukhulume nomeluleki wemali ngaphambi kokukhetha ozowuthatha. UPotgieter uyenaba kancane ngezinhlobo zomshwalense ezikhona.
Ubani ongakwazi ukuthatha umshwalense wezolimo?
Umshwalense wezolimo owabantu abanebhizinisi lezolimo ngakho kufanele ube nepulazi ukuze ukwazi ukuwuthatha. Noma ngubani angawuthatha inqobo nje uma kukhona izinto ezingavikelwa ngomshwalense. Isibonelo nje, ngeke uthathele ugandaganda womunye umuntu umshwalense ngisho ngabe kuthiwa uwusebenzisa epulazini lakho. Kufanele ugandaganda ube segameni lakho ukuze uwuthathele umshwalense.
Uma sikhuluma ngomshwalense wezitshalo, uma uqashe umhlaba otshala kuwona, siyakwazi ukukunika umshwalense wezitshalo ngoba lezo zitshalo ezakho. Iyona ndlela-ke okwazi ukuthatha umshwalense ngayo.
Inqobo nje uma unomhlaba futhi uthathwa ngokuthi uyipulazi noma ulima emhlabeni owuqashile, ungaba nomshwalense ovikela izimpahla zakho kanjalo nezitshalo kuleyo ndawo.
Uhlangana kanjani umshalwense wezolimo nokubolekwa imali kwezolimo?
Imifelandawonye noma amabhange aboleka umlimi imali futhi umlimi kufanele abe nesibambiso ngesikhathi ebolekile imali. Ngokuba nomshwalense wezitshalo nezimpahla, umlimi uzokwazi ukuyikhokha leyomali (uma kungathiwa kukhona okonakalayo epulazini) kuye nohlobo lomshwalense analo. Ngeke ngithi umshalense uzokukhokhela yonke imali.
Kuhlezi kunezinto ezibhekwayo uma ufaka isicelo sokukhokhelwa kodwa okuningi kungakhokhelwa. Isibonelo nje, uma umlimi enezitshalo, zizovikelwa ngokomgomo womlilo, isichotho nezinye izinto abakhetha ukuzifaka kanjalo futhi nangokwezimpahla. Umuzi nemishini kuzovikelwa ngokomgomo womshwalense.
Sicela usichazele umshwalense ovikela izimpahla zezolimo
Lona wumshwalense ovikela izakhiwo, amahhovisi, uma untshontshelwa, ulahlekelwa imali, izikweletu, imoto njalonjalo. Lolu hlobo lo mshwalense lungafaka izinkukhu kanjalo nezinye izimpahla zakho. Umshwalense ongavikeli izitshalo ungabheka nengozi eqhamuka nezobuchwepheshe nezikweletu zabaqondisi nabaqashiwe.
Kuhlezi kukuhle ukuthi lonke ipulazi lizivikele ekusabalaleni komlilo. Umlimi uyena oqondana nezindleko zomonakalo obakhona uma kuqubuka umlilo epulazini lakhe usabalalela emapulazini angomakhelwane. Abalimi kufanele balandele imigomo ebekwe emthethweni i-Veld and Forestry Act 101 ka-1998.
Umshwalense wezitshalo wona?
Umshwalense odumile wezitshalo yilona ozivikela esichothweni, emoyeni nezinye izinto ezicekela phansi. Bese kuba khona nomshwalense othe xaxa wona ovikela izitshalo zakho uma line ngamandla kakhulu noma uma line kancane kakhulu. Lo mshwalense siwubiza nge-“multi-peril policy for crop” kanti wona uyaye ukuthi ukubiza kunalona wesichotho.
Nazi izinto ezibhekwa yinkampani yomshwalense uma uvikela izitshalo:
- Umkhiqizo we-hekthare ngalinye
- Imali oyingenisa ngethani elilodwa
- Ibhonasi okhokhelwa yona uma kuze kwaphela unyaka ungafakanga sicelo emshwalenseni
- Yimali okufanele uyikhokhe uma ufaka isicelo
Sonke isitshalo sivikelwa ngokuthi singase sikhiqize isivuno esingakanani, leyo mali inganyuswa uma kubonakala ukuthi isivuno singanyuka futhi abalimi bangazinqumela imali abafuna ukuzivikela ngayo. Umshwalense wezitshalo uhamba ngokwamasizini, uhambisana nokutshaliwe ngaleso sikhathi.
Imfuyo yona ivikelwa kanjani?
Imfuyo ivame ukufakwa ngaphansi komshwalense ovikela izimpahla zezolimo i-agri-asset policy lapho umlimi eyivikela khona uma kwenzeka ibulawa umlilo noma ishaywa yizulu epulazini.
Imvamisa imfuyo ayivikelwa ekuntshontshweni ngoba kuyabiza futhi ukunzima ukuthola ubufakazi bokuthi intshontshiwe ngempela imfuyo. Ngamafuphi, umshwalense wemfuyo uhlukile kunomshwalense wezitshalo ngoba umshwalense wezitshalo ubheka izitshalo zakho kuphela kanti umshwalense wemfuyo uyingxenye yomshwalense wakho wezimpahla.
Zikhona ezinye izinto umshwalense wezolimo ongazifaki?
Into engkulu engekho kwi-agri-asset insurance wumshwalense obhekelela ubungozi obungajwayelekile. Lona wumshwalense owuthola kwiSouth African Special Risks Insurance Association okuyinkampani kahulumeni. Uyingxenye yomshwalense wakho wezimpahla uma uwuthathile kanti ukuvikela emonakalweni odalwa yizinto ezifana neziteleka. Okungye okungangeni izingozi eziqhamuka ngenxa yempi.
Into umshwalense wezitshalo ongazibhekeleli yizifo ngoba lena yinto okulindeleke ukuthi umlimi ayilawule futhi ayinqande. Uma umlimi enomshwalense i-multi-peril, uyavikelwa ezifweni ezinganqandeki nasekuhlaselweni yizinambuzane.
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