{"id":1191,"date":"2023-03-23T11:40:27","date_gmt":"2023-03-23T11:40:27","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=1191"},"modified":"2023-03-23T11:44:56","modified_gmt":"2023-03-23T11:44:56","slug":"ponicena-banka-lasky-byla-pojistena-v-uniqa","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=1191","title":{"rendered":"Poni\u010den\u00e1 Banka l\u00e1sky byla poji\u0161t\u011bna v UNIQA"},"content":{"rendered":"

UNIQA eviduje z\u00a0v\u00edkendov\u00e9ho ni\u010div\u00e9ho po\u017e\u00e1ru v\u00a0historick\u00e9m centru Bansk\u00e9 \u0160tiavnice jednu pojistnou ud\u00e1lost. Nahl\u00e1sil ji provozovatel siln\u011b po\u0161kozen\u00e9ho objektu, unik\u00e1tn\u00edho z\u00e1\u017eitkov\u00e9ho domu zn\u00e1m\u00e9ho pod n\u00e1zvem \u201eBanka l\u00e1sky\u201c, kde v\u00a0sobotu hasi\u010di likvidovali ohe\u0148, jen\u017e sou\u010dasn\u011b pusto\u0161il i n\u011bkolik dal\u0161\u00edch sousedn\u00edch objekt\u016f.<\/strong><\/p>\n

\u00a0<\/strong>\u201e\u0160koda byla nahl\u00e1\u0161ena po v\u00edkendu. Aktu\u00e1ln\u011b analyzujeme rozsah \u0161kod a nem\u016f\u017eeme zat\u00edm sd\u011blit \u017e\u00e1dn\u00e9 dal\u0161\u00ed podrobnosti,\u201c <\/em>vyj\u00e1d\u0159il se Tom\u00e1\u0161 Kralovi\u010d, mana\u017eer korpor\u00e1tn\u00edho poji\u0161t\u011bn\u00ed majetku a techniky UNIQA.<\/p>\n

Banka l\u00e1sky m\u00e1 v\u00a0UNIQA podnikatelsk\u00e9 poji\u0161t\u011bn\u00ed v\u00a0rozsahu SME (mal\u00e9 a st\u0159edn\u00ed podniky). Po\u017e\u00e1r velkou \u010d\u00e1st objektu zni\u010dil, vnit\u0159n\u00ed vybaven\u00ed z\u016fstalo zachov\u00e1no prakticky jen v\u00a0suter\u00e9nu objektu. N\u00e1klady obnovy se z\u0159ejm\u011b p\u0159ibl\u00ed\u017e\u00ed hodnot\u011b budovy; bude to n\u00e1ro\u010dn\u00fd proces zejm\u00e9na s\u00a0ohledem na p\u0159\u00edsn\u00e9 podm\u00ednky ze strany pam\u00e1tk\u00e1\u0159\u016f a restaur\u00e1tor\u016f v\u00a0chr\u00e1n\u011bn\u00e9m historick\u00e9m centru m\u011bsta.<\/p>\n

Po\u017e\u00e1r v\u00a0Bansk\u00e9 \u0160tiavnici se sv\u00fdm rozsahem \u0159ad\u00ed k\u00a0z\u00e1va\u017en\u00fdm pojistn\u00fdm ud\u00e1lostem. Dal\u0161\u00edmi p\u0159\u00edpady byly v\u00a0minulosti nap\u0159\u00edklad po\u017e\u00e1r bytov\u00e9ho domu v\u00a0Pre\u0161ov\u011b v\u00a0roce 2019 nebo lok\u00e1ln\u00ed devastace n\u00e1sledkem torn\u00e1da na ji\u017en\u00ed Morav\u011b v\u00a0roce 2021, na jejich\u017e likvidaci se UNIQA rovn\u011b\u017e pod\u00edlela. Spole\u010dn\u00fdm znakem byly rozs\u00e1hl\u00e9 \u0161kody a ztr\u00e1ty se z\u00e1sadn\u00edm dopadem na \u017eivoty lid\u00ed.<\/p>\n

Poji\u0161t\u011bn\u00ed majetku je t\u0159eba aktualizovat. Dosavadn\u00ed pojistn\u00e9 \u010d\u00e1stky nesta\u010d\u00ed<\/strong><\/p>\n

V\u00a0t\u00e9to souvislosti UNIQA znovu apeluje na majitele nemovitost\u00ed, aby si s\u00a0ohledem na vysokou inflaci, je\u017e aktu\u00e1ln\u011b zasahuje prakticky do v\u0161ech obor\u016f, nicm\u00e9n\u011b v\u00fdrazn\u011b se podepisovala na cen\u00e1ch stavebn\u00edho materi\u00e1lu, stavebn\u00edch prac\u00ed, dopravy a dal\u0161\u00edch n\u00e1kladech u\u017e v\u00a0uplynul\u00fdch 4 letech, pravideln\u011b kontrolovali spr\u00e1vnost zvolen\u00fdch pojistn\u00fdch \u010d\u00e1stek, zda odpov\u00eddaj\u00ed sou\u010dasn\u00fdm n\u00e1rok\u016fm na p\u0159\u00edpadnou nezbytnou obnovu z\u00e1zem\u00ed v\u00a0dosavadn\u00ed \u00farovni. Proto\u017ee \u00farove\u0148 reproduk\u010dn\u00edch cen je rozhoduj\u00edc\u00ed p\u0159i n\u00e1prav\u011b vznikl\u00fdch \u0161kod: ur\u010duje, za kolik by se dan\u00e1 nemovitost dala dnes postavit \u010di koupit.<\/p>\n

U nov\u011bj\u0161\u00edch retailov\u00fdch smluv UNIQA na poji\u0161t\u011bn\u00ed nemovitost\u00ed a dom\u00e1cnost\u00ed je tzv. indexace, tedy pravideln\u00e1 \u00faprava pojistn\u00fdch \u010d\u00e1stek podle v\u00fdvoje cen na trhu, automatickou sou\u010d\u00e1st\u00ed kontraktu. U star\u0161\u00edch retailov\u00fdch smluv UNIQA oslovuje klienty s\u00a0nab\u00eddkou valorizace pojistn\u00fdch \u010d\u00e1stek, kterou je vhodn\u00e9 akceptovat.<\/p>\n

U firemn\u00edch (korpor\u00e1tn\u00edch) smluv UNIQA aktualizace pojistn\u00fdch \u010d\u00e1stek prob\u00edh\u00e1 od lo\u0148sk\u00e9ho roku. V\u00a0r\u00e1mci transparentn\u00edho procesu dojde k\u00a0revizi pojistn\u00fdch smluv na podnikatelsk\u00e1 rizika porovn\u00e1n\u00edm zakotven\u00fdch pojistn\u00fdch \u010d\u00e1stek se sou\u010dasnou ekonomickou situac\u00ed a jej\u00edm v\u00fdvojem. \u201eR\u016fst cen v\u00a0uplynul\u00fdch n\u011bkolika letech byl skute\u010dn\u011b v\u00fdrazn\u00fd. V\u00a0\u010cech\u00e1ch dosahuje bezm\u00e1la 40 %. D\u00e1 se \u0159\u00edci, \u017ee pokud klient neprom\u00edtne nav\u00fd\u0161en\u00ed do smlouvy a neaktualizuje sjednan\u00e9 pojistn\u00e9 \u010d\u00e1stky, a\u0165 u\u017e ze sv\u00e9ho rozhodnut\u00ed nebo prost\u0159ednictv\u00edm indexace proveden\u00e9 poji\u0161\u0165ovnou, vystavuje se re\u00e1ln\u00e9mu ohro\u017een\u00ed podpoji\u0161t\u011bn\u00edm,\u201c <\/em>varoval Martin Rotkovsk\u00fd, \u010dlen p\u0159edstavenstva odpov\u011bdn\u00fd za korpor\u00e1tn\u00ed obchod a affinity.<\/p>\n

Sou\u010d\u00e1st\u00ed valorizace (indexace) je i adekv\u00e1tn\u00ed \u00faprava pojistn\u00e9ho zohled\u0148uj\u00edc\u00ed nav\u00fd\u0161en\u00ed rizika, kter\u00e9 na sebe poji\u0161\u0165ovna t\u00edmto krokem p\u0159eb\u00edr\u00e1. To by ov\u0161em nem\u011blo klienta odradit od aktualizace smlouvy, proto\u017ee \u00faspora n\u011bkolika stovek korun se m\u016f\u017ee p\u0159i velk\u00e9 pojistn\u00e9 ud\u00e1losti odrazit v\u00a0rozd\u00edlu na pojistn\u00e9m pln\u011bn\u00ed v\u00a0\u0159\u00e1du stovek tis\u00edc a\u017e milion\u016f korun.<\/p>\n","protected":false},"excerpt":{"rendered":"

UNIQA eviduje z\u00a0v\u00edkendov\u00e9ho ni\u010div\u00e9ho po\u017e\u00e1ru v\u00a0historick\u00e9m centru Bansk\u00e9 \u0160tiavnice jednu pojistnou ud\u00e1lost. Nahl\u00e1sil ji provozovatel siln\u011b po\u0161kozen\u00e9ho objektu, unik\u00e1tn\u00edho z\u00e1\u017eitkov\u00e9ho domu zn\u00e1m\u00e9ho pod n\u00e1zvem \u201eBanka […]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":1193,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-1191","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojistovny"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1191","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1191"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1191\/revisions"}],"predecessor-version":[{"id":1192,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1191\/revisions\/1192"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/1193"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1191"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1191"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1191"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}