[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bizzone.cz\/na-co-se-ktere-pojisteni-vztahuje-vam-musi-vysvetlit-odbornik\/#Article","mainEntityOfPage":"https:\/\/www.bizzone.cz\/na-co-se-ktere-pojisteni-vztahuje-vam-musi-vysvetlit-odbornik\/","headline":"Na co se kter\u00e9 poji\u0161t\u011bn\u00ed vztahuje, v\u00e1m mus\u00ed vysv\u011btlit odborn\u00edk","name":"Na co se kter\u00e9 poji\u0161t\u011bn\u00ed vztahuje, v\u00e1m mus\u00ed vysv\u011btlit odborn\u00edk","description":"Ano, je to tak, docela oby\u010dejn\u00fd smrteln\u00edk si ani neuv\u011bdomuje, na co v\u0161echno se jak\u00e9 pojistky vztahuj\u00ed. Ve fin\u00e1le to pak dopad\u00e1 tak, \u017ee prob\u011bhne \u0161kodov\u00e1 ud\u00e1lost, vy jste poji\u0161t\u011bni, tedy alespo\u0148 se domn\u00edv\u00e1te, \u017ee jste, a p\u0159itom nem\u00e1te n\u00e1rok na pojistn\u00e9 pln\u011bn\u00ed. Pro\u010d? Posu\u010fte sami: Ta kritick\u00e1 koupelna! Koupelny b\u00fdvaj\u00ed kritick\u00fdm m\u00edstem v byt\u011b. Jednak...","datePublished":"2017-03-01","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.bizzone.cz\/author\/#Person","name":"bizzone.cz\n","url":"https:\/\/www.bizzone.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/5522eb0fc8481dea5f6519f6a0b15ee2c46358d48429b281fd7c49cbb5a929f9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/5522eb0fc8481dea5f6519f6a0b15ee2c46358d48429b281fd7c49cbb5a929f9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bizzone.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/bizzone.cz\/wp-content\/uploads\/img_a308907_w2299_t1519937064.jpg","url":"https:\/\/bizzone.cz\/wp-content\/uploads\/img_a308907_w2299_t1519937064.jpg","height":"","width":""},"url":"https:\/\/www.bizzone.cz\/na-co-se-ktere-pojisteni-vztahuje-vam-musi-vysvetlit-odbornik\/","about":["Neza\u0159azen\u00e9"],"wordCount":416,"articleBody":"Ano, je to tak, docela oby\u010dejn\u00fd smrteln\u00edk si ani neuv\u011bdomuje, na co v\u0161echno se jak\u00e9 pojistky vztahuj\u00ed. Ve fin\u00e1le to pak dopad\u00e1 tak, \u017ee prob\u011bhne \u0161kodov\u00e1 ud\u00e1lost, vy jste poji\u0161t\u011bni, tedy alespo\u0148 se domn\u00edv\u00e1te, \u017ee jste, a p\u0159itom nem\u00e1te n\u00e1rok na pojistn\u00e9 pln\u011bn\u00ed. Pro\u010d? Posu\u010fte sami:\tTa kritick\u00e1 koupelna!Koupelny b\u00fdvaj\u00ed kritick\u00fdm m\u00edstem v byt\u011b. Jednak jsou tu elektrick\u00e9 rozvody, kter\u00e9 mus\u00ed b\u00fdt pat\u0159i\u010dn\u011b uzemn\u011bny, riziko nebezpe\u010d\u00ed \u00farazu elektrick\u00fdm proudem v koupeln\u011b je snad nejv\u011bt\u0161\u00ed ze v\u0161ech domovn\u00edch prostor. To se v\u0161ak nest\u00e1v\u00e1 tak \u010dasto. \u010cast\u011bj\u0161\u00ed p\u0159\u00edpad je vyplaven\u00ed soused\u016f pod v\u00e1mi. Bu\u010f p\u0159et\u00e9kaj\u00edc\u00ed napou\u0161t\u011bnou vanou (docela b\u011b\u017en\u00fd p\u0159\u00edpad), anebo z\u00e1vadou na vodovodn\u00ed instalaci nebo odpadu. Ka\u017edou situaci v\u0161ak \u0159e\u0161\u00ed jin\u00e1 pojistka. U napou\u0161t\u011bn\u00e9 vany, kter\u00e1 p\u0159etekla vinou va\u0161\u00ed nedbalosti, se pojistn\u00e9 pln\u011bn\u00ed vypl\u00e1c\u00ed z tzv. „pojistky odpov\u011bdnosti za \u0161kodu v pr\u016fb\u011bhu b\u011b\u017en\u00e9ho \u017eivota“. Ta se v\u0161ak nevztahuje na prasklou vodovodn\u00ed trubku ve va\u0161\u00ed koupeln\u011b pod vanou. Toto \u0159e\u0161\u00ed pojistka odpov\u011bdnosti p\u0159i vlastnictv\u00ed bytu nebo domu. A kdyby se jednalo o prasklou trubku ve stoupa\u010dce panel\u00e1ku, n\u00e1hradu \u0161kody lze uplatnit jen z pojistky na nemovitost (pro bytov\u00fd d\u016fm).\tP\u0159ep\u011b\u0165ov\u00e1 ochranaKoup\u00edte si elektrick\u00fd spot\u0159ebi\u010d a ten vyho\u0159\u00ed vlivem p\u0159ep\u011bt\u00ed nebo podp\u011bt\u00ed v s\u00edti. Hor\u0161\u00ed p\u0159\u00edpad nastane, kdy\u017e je tento spot\u0159ebi\u010d je\u0161t\u011b v z\u00e1ruce. Na n\u011bj se toti\u017e nevztahuje v tomto p\u0159\u00edpad\u011b pojistn\u00e9 pln\u011bn\u00ed, kter\u00e9 b\u00fdv\u00e1 \u010dastou v\u00fdjimkou p\u0159i uzav\u00edr\u00e1n\u00ed pojistek dom\u00e1cnosti. Pozor na to, zjist\u011bte si to rad\u011bji p\u0159edem! Pokud by spot\u0159ebi\u010d v z\u00e1ruce nebyl, poji\u0161\u0165ovna ov\u0161em stejn\u011b nehrad\u00ed \u0161kody zp\u016fsoben\u00e9 p\u0159ep\u011bt\u00edm v s\u00edti, tak\u017ee v\u00e1m nezb\u00fdv\u00e1 nic jin\u00e9ho, ne\u017e si po\u0159\u00eddit p\u0159ep\u011b\u0165ovou ochranu. Ta je v t\u011bchto p\u0159\u00edpadech docela slu\u0161nou pojistkou sama o sob\u011b. Ostatn\u011b, pr\u00e1v\u011b nejv\u00edc z\u00e1vad spot\u0159ebi\u010d\u016f v dom\u00e1cnosti vznik\u00e1 pr\u00e1v\u011b t\u00edmto zp\u016fsobem – p\u0159ep\u011bt\u00edm (nebo podp\u011bt\u00edm) v s\u00edti.                                                                                                                                                                                                                                                                                                                                                                                         4.2\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Na co se kter\u00e9 poji\u0161t\u011bn\u00ed vztahuje, v\u00e1m mus\u00ed vysv\u011btlit odborn\u00edk","item":"https:\/\/www.bizzone.cz\/na-co-se-ktere-pojisteni-vztahuje-vam-musi-vysvetlit-odbornik\/#breadcrumbitem"}]}]