[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/ve-kterych-pripadech-nedostanete-od-pojistovny-ani-korunu\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/ve-kterych-pripadech-nedostanete-od-pojistovny-ani-korunu\/","headline":"Ve kter\u00fdch p\u0159\u00edpadech nedostanete od poji\u0161\u0165ovny ani korunu?","name":"Ve kter\u00fdch p\u0159\u00edpadech nedostanete od poji\u0161\u0165ovny ani korunu?","description":"&#13; Fakt, \u017ee m\u00e1te bydlen\u00ed poji\u0161t\u011bn\u00e9, je\u0161t\u011b neznamen\u00e1, \u017ee jste v suchu. Cel\u00fd proces je mnohem slo\u017eit\u011bj\u0161\u00ed, ne\u017e se na prvn\u00ed pohled zd\u00e1, a a\u010dkoli to je nep\u0159\u00edjemn\u00e9, nam\u00e1hav\u00e9 a \u010dasto slo\u017eit\u00e9, doopravdy v\u00e1m doporu\u010dujeme pe\u010dliv\u011b a \u0159\u00e1dn\u011b si proj\u00edt v\u0161echny poznatky k pojistn\u00e9 smlouv\u011b, kterou dostanete do ruky p\u0159ed jej\u00edm podeps\u00e1n\u00edm.&#13; &#13; Poji\u0161t\u011bn\u00ed dom\u00e1cnosti&#13; &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/ve-kterych-pripadech-nedostanete-od-pojistovny-ani-korunu\/\"> <span class=\"screen-reader-text\">Ve kter\u00fdch p\u0159\u00edpadech nedostanete od poji\u0161\u0165ovny ani korunu?<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2016-11-26","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a279268_w1991_t1602747815.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a279268_w1991_t1602747815.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/ve-kterych-pripadech-nedostanete-od-pojistovny-ani-korunu\/","about":["Poji\u0161t\u011bn\u00ed"],"wordCount":393,"articleBody":"&#13; Fakt, \u017ee m\u00e1te bydlen\u00ed poji\u0161t\u011bn\u00e9, je\u0161t\u011b neznamen\u00e1, \u017ee jste v suchu. Cel\u00fd proces je mnohem slo\u017eit\u011bj\u0161\u00ed, ne\u017e se na prvn\u00ed pohled zd\u00e1, a a\u010dkoli to je nep\u0159\u00edjemn\u00e9, nam\u00e1hav\u00e9 a \u010dasto slo\u017eit\u00e9, doopravdy v\u00e1m doporu\u010dujeme pe\u010dliv\u011b a \u0159\u00e1dn\u011b si proj\u00edt v\u0161echny poznatky k pojistn\u00e9 smlouv\u011b, kterou dostanete do ruky p\u0159ed jej\u00edm podeps\u00e1n\u00edm.&#13; &#13; Poji\u0161t\u011bn\u00ed dom\u00e1cnosti&#13; Tento druh poji\u0161t\u011bn\u00ed se vztahuje pouze na vybaven\u00ed dom\u00e1cnosti, na to, co si dok\u00e1\u017eete z domu odn\u00e9st a je to tedy movit\u00e9. Nevztahuje se nap\u0159\u00edklad na podlahy, sklepy, st\u0159echy nebo zdi, p\u0159\u00edpadn\u011b stavebn\u00ed \u010d\u00e1sti domu nebo bytu.&#13; &#13; Toto poji\u0161t\u011bn\u00ed m\u00e1 ozna\u010den\u00ed rizikov\u00e9; to znamen\u00e1, \u017ee v\u011bci, kter\u00e9 jsou t\u00edmto druhem poji\u0161t\u011bn\u00ed poji\u0161t\u011bn\u00e9, jsou poji\u0161t\u011bn\u00e9 pouze a jenom proti t\u011bm ud\u00e1lostem a rizik\u016fm, kter\u00e9 jsou konkr\u00e9tn\u011b vypsan\u00e9 ve smlouv\u011b. Co\u017e znamen\u00e1, \u017ee pojistka, pokud nen\u00ed ve smlouv\u011b uvedeno jinak, neuhrad\u00ed v p\u0159\u00edpad\u011b ztr\u00e1ty, po\u0161kozen\u00ed nebo zni\u010den\u00ed \u017e\u00e1dnou \u010d\u00e1stku. V\u0161echno, co pod pojistku nespad\u00e1, je uvedeno v odd\u00edle smlouvy, v\u011bnovan\u00e9mu v\u00fdluk\u00e1m z poji\u0161t\u011bn\u00ed.&#13; &#13; V\u0161eobecn\u00e9 v\u00fdluky z poji\u0161t\u011bn\u00ed dom\u00e1cnosti&#13; To jsou v\u011bt\u0161inou neobvykl\u00e9 situace, kter\u00e9 mohou nastat \u2013 jako p\u0159\u00edklady uve\u010fme terorismus, zapo\u010det\u00ed v\u00e1lky, jadern\u00e9 v\u00fdbuchy, ale t\u0159eba i hrub\u00e1 nedbalost. Kdyby nastala n\u011bkter\u00e9 z v\u00fd\u0161e uveden\u00fdch situac\u00ed, poji\u0161\u0165ovna by v\u00e1s nevyplatila, ani kdyby do\u0161lo na po\u0161kozen\u00ed v\u011bci\/dom\u00e1cnosti zp\u016fsobem, proti kter\u00e9mu byla v\u011bc\/dom\u00e1cnost po\u0161kozena.&#13; &#13; Do t\u011bchto v\u00fdluk pat\u0159\u00ed ale nap\u0159\u00edklad i \u0161koda nebo vada, kter\u00e1 byla na majetku \u010di v\u011bci u\u017e p\u0159i jej\u00edm po\u0159\u00edzen\u00ed \u2013 av\u0161ak pouze v p\u0159\u00edpad\u011b, \u017ee o n\u00ed sjednavatel v\u011bd\u011bl. Pakli\u017ee do\u0161lo k po\u0161kozen\u00ed majetku z d\u016fvodu va\u0161\u00ed nedbalosti, bezohlednosti nebo nete\u010dnosti, poji\u0161\u0165ovna v\u00e1m op\u011bt nic nevyplat\u00ed.&#13; &#13; V\u017edy se vyplat\u00ed sledovat definice pojm\u016f, kter\u00e9 poji\u0161\u0165ovna pou\u017e\u00edv\u00e1. Nap\u0159\u00edklad doutn\u00e1n\u00ed, \u017ehnut\u00ed a nedostatek kysl\u00edku nen\u00ed po\u017e\u00e1r, a tedy ani v tomto p\u0159\u00edpad\u011b byste se vyplacen\u00ed pojistky na \u0161kody nedo\u010dkali.&#13;                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ve kter\u00fdch p\u0159\u00edpadech nedostanete od poji\u0161\u0165ovny ani korunu?","item":"https:\/\/www.zerba.cz\/ve-kterych-pripadech-nedostanete-od-pojistovny-ani-korunu\/#breadcrumbitem"}]}]