{"id":1598,"date":"2023-06-14T11:50:18","date_gmt":"2023-06-14T11:50:18","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=1598"},"modified":"2023-06-15T06:15:36","modified_gmt":"2023-06-15T06:15:36","slug":"cap-kazde-2-minuty-majetkova-pojistna-udalost","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=1598","title":{"rendered":"\u010cAP: majetkov\u00e1 pojistn\u00e1 ud\u00e1lost ka\u017ed\u00e9 2 minuty"},"content":{"rendered":"

V roce 2022 \u0159e\u0161ily poji\u0161\u0165ovny p\u0159es 270 tis\u00edc majetkov\u00fdch pojistn\u00fdch ud\u00e1lost\u00ed za t\u00e9m\u011b\u0159 13 miliard korun. Ke \u0161kod\u011b na majetku \u010cech\u016f i firem tak do\u0161lo ka\u017ed\u00e9 dv\u011b minuty. T\u011bmi nejdra\u017e\u0161\u00edmi byly po\u017e\u00e1ry. Skokanem roku se staly vich\u0159ice, jejich\u017e po\u010det vzrostl o t\u0159etinu. Vyplynulo to z dat \u010cesk\u00e9 asociace poji\u0161\u0165oven.<\/strong><\/p>\n

Nejdra\u017e\u0161\u00edmi pojistn\u00fdmi ud\u00e1lostmi na majetku byly podle dat \u010cesk\u00e9 asociace poji\u0161\u0165oven po\u017e\u00e1ry, a to jak absolutn\u011b, tak i v\u00a0pr\u016fm\u011brn\u00e9 \u0161kod\u011b. Ta vystoupala na 676\u00a0114 korun a celkem poji\u0161\u0165ovny klient\u016fm kv\u016fli po\u017e\u00e1r\u016fm vyplatily p\u0159es 3,5 miliardy korun.<\/p>\n

\u201eData nejsou nijak p\u0159ekvapiv\u00e1, po\u017e\u00e1ry pat\u0159\u00ed k\u00a0jedn\u00e9 z\u00a0nejni\u010div\u011bj\u0161\u00edch majetkov\u00fdch pojistn\u00fdch ud\u00e1lost\u00ed. Lo\u0148sk\u00fd rok byl z\u00a0hlediska po\u017e\u00e1r\u016f velmi dramatick\u00fd. Tou nejv\u00fdznamn\u011bj\u0161\u00ed ud\u00e1lost\u00ed byl bezesporu pr\u00e1zdninov\u00fd rozs\u00e1hl\u00fd po\u017e\u00e1r\u00a0N\u00e1rodn\u00edho parku \u010cesk\u00e9 \u0160v\u00fdcarsko,\u201c <\/em>uv\u00e1d\u00ed analytik \u010cesk\u00e9 asociace poji\u0161\u0165oven Petr Jedli\u010dka.<\/p>\n

 <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Majetkov\u00e9 pojistn\u00e9 ud\u00e1losti v roce 2022<\/strong><\/td>\nPo\u010det<\/strong><\/td>\nObjem (v tis. K\u010d)<\/strong><\/td>\nPr\u016fm\u011brn\u00e1 \u0161koda<\/strong><\/td>\n<\/tr>\n
\u0161kody z po\u017e\u00e1ru<\/td>\n5 307<\/td>\n3 588 138<\/td>\n676 114 K\u010d<\/td>\n<\/tr>\n
\u0161kody z v\u00fdbuchu<\/td>\n292<\/td>\n145 885<\/td>\n499 606 K\u010d<\/td>\n<\/tr>\n
\u0161kody z krupobit\u00ed<\/td>\n14 307<\/td>\n1 581 406<\/td>\n110 534 K\u010d<\/td>\n<\/tr>\n
po\u0161kozen\u00ed nebo zni\u010den\u00ed stroje<\/td>\n6 711<\/td>\n701 491<\/td>\n104 529 K\u010d<\/td>\n<\/tr>\n
\u0161kody z povodn\u00ed<\/td>\n7 432<\/td>\n450 618<\/td>\n60 632 K\u010d<\/td>\n<\/tr>\n
ostatn\u00ed \u0161kody z poji\u0161t\u011bn\u00ed majetku (bez poji\u0161t\u011bn\u00ed vozidel)<\/td>\n50 658<\/td>\n1 702 219<\/td>\n33 602 K\u010d<\/td>\n<\/tr>\n
\u0161kody z kr\u00e1de\u017e\u00ed<\/td>\n13 297<\/td>\n445 276<\/td>\n33 488 K\u010d<\/td>\n<\/tr>\n
vodovodn\u00ed \u0161kody<\/td>\n44 282<\/td>\n1 468 209<\/td>\n33 156 K\u010d<\/td>\n<\/tr>\n
\u0161kody z vich\u0159ice<\/td>\n48 597<\/td>\n1 522 857<\/td>\n31 336 K\u010d<\/td>\n<\/tr>\n
\u0161kody z t\u00edhy sn\u011bhu<\/td>\n1 799<\/td>\n55 464<\/td>\n30 830 K\u010d<\/td>\n<\/tr>\n
\u0161kody ze sesuvu \/ poklesu p\u016fdy<\/td>\n311<\/td>\n9 570<\/td>\n30 805 K\u010d<\/td>\n<\/tr>\n
\u0161kody z n\u00e1razu dopravn\u00edho prost\u0159edku<\/td>\n2 923<\/td>\n79 996<\/td>\n27 368 K\u010d<\/td>\n<\/tr>\n
\u0161kody z \u00faderu bleskem<\/td>\n4 568<\/td>\n116 686<\/td>\n25 544 K\u010d<\/td>\n<\/tr>\n
\u0161kody z p\u00e1du letadla nebo jin\u00fdch p\u0159edm\u011bt\u016f<\/td>\n3 994<\/td>\n97 154<\/td>\n24 325 K\u010d<\/td>\n<\/tr>\n
\u0161kody ze zkratu elektromotoru<\/td>\n2 378<\/td>\n48 589<\/td>\n20 433 K\u010d<\/td>\n<\/tr>\n
\u0161kody z atmosf\u00e9rick\u00fdch sr\u00e1\u017eek<\/td>\n11 491<\/td>\n231 596<\/td>\n20 155 K\u010d<\/td>\n<\/tr>\n
\u0161kody z p\u0159ep\u011bt\u00ed v elektrick\u00e9 s\u00edti<\/td>\n15 374<\/td>\n290 288<\/td>\n18 882 K\u010d<\/td>\n<\/tr>\n
\u0161kody z vandalismu<\/td>\n9 731<\/td>\n176 648<\/td>\n18 153 K\u010d<\/td>\n<\/tr>\n
po\u0161kozen\u00ed nebo zni\u010den\u00ed skla<\/td>\n12 376<\/td>\n126 246<\/td>\n10 201 K\u010d<\/td>\n<\/tr>\n
ostatn\u00ed po\u0161kozen\u00ed elektroniky<\/td>\n16 007<\/td>\n153 131<\/td>\n9 567 K\u010d<\/td>\n<\/tr>\n
CELKEM<\/strong><\/td>\n271 834<\/strong><\/td>\n12 991 465<\/strong><\/td>\n47 792 K\u010d<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

Na druh\u00e9m m\u00edst\u011b dle pr\u016fm\u011brn\u00e9 \u0161kody se um\u00edstily v\u00fdbuchy. \u201eV\u00fdbuch\u016f jako pojistn\u00fdch ud\u00e1lost\u00ed zaznamenaly poji\u0161\u0165ovny v\u00a0roce 2022 nejm\u00e9n\u011b ze v\u0161ech majetkov\u00fdch \u0161kod, konkr\u00e9tn\u011b 292. Tyto ud\u00e1losti ale m\u011bly druhou nejvy\u0161\u0161\u00ed pr\u016fm\u011brnou \u0161kodu, a to bez m\u00e1la 500 tis\u00edc korun,\u201c<\/em> up\u0159es\u0148uje
\nPetr Jedli\u010dka. Na opa\u010dn\u00e9m konci pomysln\u00e9ho \u017eeb\u0159\u00ed\u010dku majetkov\u00fdch pojistn\u00fdch ud\u00e1lost\u00ed se ocitla ostatn\u00ed po\u0161kozen\u00ed elektroniky s\u00a0pr\u016fm\u011brnou \u0161kodou 9 567 K\u010d a po\u0161kozen\u00ed nebo zni\u010den\u00ed skla v\u00a0pr\u016fm\u011bru za\u00a010\u00a0201 K\u010d.<\/p>\n

Stoupl po\u010det vich\u0159ic, \u201ezdra\u017eily\u201c kr\u00e1de\u017ee<\/strong><\/p>\n

V\u00a0porovn\u00e1n\u00ed s\u00a0rokem 2021 stoupl loni po\u010det \u0161kodn\u00edch ud\u00e1lost\u00ed zp\u016fsoben\u00fdch vich\u0159ic\u00ed, a to p\u0159ibli\u017en\u011b o t\u0159etinu a poji\u0161\u0165ovny v\u00a0roce 2022 \u0159e\u0161ily t\u00e9m\u011b\u0159 50 tis\u00edc pojistn\u00fdch ud\u00e1lost\u00ed zp\u016fsoben\u00fdch vich\u0159ic\u00ed.<\/p>\n

\u201eN\u00e1r\u016fst lze vykl\u00e1dat z d\u016fvodu vy\u0161\u0161\u00edho plo\u0161n\u00e9ho z\u00e1sahu vich\u0159ic v\u00a0roce 2022 ve srovn\u00e1n\u00ed rokem 2021, kter\u00e9mu dominovalo ni\u010div\u00e9 torn\u00e1do na ji\u017en\u00ed Morav\u011b s enormn\u00edmi \u0161kodami, kter\u00e9 nicm\u00e9n\u011b nastaly na pom\u011brn\u011b \u00fazce vymezen\u00e9m \u00fazem\u00ed. Zm\u00edn\u011bn\u00e9 torn\u00e1do by mohlo m\u00edt postupn\u011b i vliv na zv\u00fd\u0161en\u00ed propoji\u0161t\u011bnosti a \u0159e\u0161en\u00ed problematiky adekv\u00e1tn\u00edho nastaven\u00ed pojistn\u00e9 smlouvy a eliminaci rizika tzv. popdpoji\u0161t\u011bn\u00ed,\u201c<\/em> vysv\u011btluje Petr Jedli\u010dka.<\/p>\n

Tomu napov\u00eddaj\u00ed i data \u010cesk\u00e9 asociace poji\u0161\u0165oven, podle kter\u00fdch poklesla pr\u016fm\u011brn\u00e1 \u0161koda na 31 tis\u00edc korun ze 124 tis\u00edc K\u010d roku 2021 ovlivn\u011bn\u00e9ho vysok\u00fdmi \u0161kodami v\u00a0r\u00e1mci torn\u00e1da. Naopak nejv\u00edce pr\u016fm\u011brn\u00e1 v\u00fd\u0161e \u0161kody vzrostla u kr\u00e1de\u017e\u00ed, a to o 38 % na 33,5 tis\u00edce korun.<\/p>\n

 <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Meziro\u010dn\u00ed zm\u011bna 2021\/2022<\/strong><\/td>\nPo\u010det \u0161kod<\/strong><\/td>\nPr\u016fm\u011brn\u00e1 v\u00fd\u0161e \u0161kody p\u0159edchoz\u00edho roku<\/strong><\/td>\n<\/tr>\n
\u0161kody z vich\u0159ice<\/strong><\/td>\n137 %<\/strong><\/td>\n25 %<\/strong><\/td>\n<\/tr>\n
\u0161kody ze zkratu elektromotoru<\/td>\n107 %<\/td>\n87 %<\/td>\n<\/tr>\n
\u0161kody z p\u0159ep\u011bt\u00ed v elektrick\u00e9 s\u00edti<\/td>\n104 %<\/td>\n111 %<\/td>\n<\/tr>\n
\u0161kody z kr\u00e1de\u017e\u00ed<\/strong><\/td>\n102 %<\/strong><\/td>\n138 %<\/strong><\/td>\n<\/tr>\n
\u0161kody z po\u017e\u00e1ru<\/td>\n100 %<\/td>\n114 %<\/td>\n<\/tr>\n
\u0161kody z vandalismu<\/td>\n99 %<\/td>\n130 %<\/td>\n<\/tr>\n
po\u0161kozen\u00ed nebo zni\u010den\u00ed skla<\/td>\n96 %<\/td>\n126 %<\/td>\n<\/tr>\n
ostatn\u00ed po\u0161kozen\u00ed elektroniky<\/td>\n96 %<\/td>\n107 %<\/td>\n<\/tr>\n
ostatn\u00ed \u0161kody z poji\u0161t\u011bn\u00ed majetku (bez poji\u0161t\u011bn\u00ed vozidel)<\/td>\n95 %<\/td>\n51 %<\/td>\n<\/tr>\n
vodovodn\u00ed \u0161kody<\/td>\n93 %<\/td>\n100 %<\/td>\n<\/tr>\n
\u0161kody z n\u00e1razu dopravn\u00edho prost\u0159edku<\/td>\n88 %<\/td>\n95 %<\/td>\n<\/tr>\n
\u0161kody z krupobit\u00ed<\/td>\n87 %<\/td>\n108 %<\/td>\n<\/tr>\n
\u0161kody z p\u00e1du letadla nebo jin\u00fdch p\u0159edm\u011bt\u016f<\/td>\n85 %<\/td>\n102 %<\/td>\n<\/tr>\n
\u0161kody z \u00faderu bleskem<\/td>\n81 %<\/td>\n77 %<\/td>\n<\/tr>\n
\u0161kody z atmosf\u00e9rick\u00fdch sr\u00e1\u017eek<\/td>\n79 %<\/td>\n119 %<\/td>\n<\/tr>\n
\u0161kody z v\u00fdbuchu<\/td>\n78 %<\/td>\n6 %<\/td>\n<\/tr>\n
po\u0161kozen\u00ed nebo zni\u010den\u00ed stroje<\/td>\n75 %<\/td>\n107 %<\/td>\n<\/tr>\n
\u0161kody z povodn\u00ed<\/td>\n69 %<\/td>\n107 %<\/td>\n<\/tr>\n
\u0161kody ze sesuvu \/ poklesu p\u016fdy<\/td>\n65 %<\/td>\n91 %<\/td>\n<\/tr>\n
\u0161kody z t\u00edhy sn\u011bhu<\/td>\n34 %<\/td>\n123 %<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00a0<\/strong><\/p>\n

Pojistn\u00e1 ud\u00e1lost se p\u0159itom nevyhne nikomu, t\u011bch majetkov\u00fdch za \u017eivot za\u017eijeme v\u00a0pr\u016fm\u011bru 3,5. \u201eHovo\u0159\u00edme o pr\u016fm\u011brn\u00e9m po\u010dtu nahl\u00e1\u0161en\u00fdch majetkov\u00fdch pojistn\u00fdch ud\u00e1lostech bez ohledu na p\u0159\u00ed\u010dinu. Statistick\u00e1 pravd\u011bpodobnost, \u017ee se n\u00e1m v\u00a0\u017eivot\u011b stane n\u011bjak\u00e1 \u0161kodn\u00ed ud\u00e1lost p\u0159esahuje
\n97 %,\u201c<\/em> dod\u00e1v\u00e1 Petr Jedli\u010dka.<\/p>\n","protected":false},"excerpt":{"rendered":"

V roce 2022 \u0159e\u0161ily poji\u0161\u0165ovny p\u0159es 270 tis\u00edc majetkov\u00fdch pojistn\u00fdch ud\u00e1lost\u00ed za t\u00e9m\u011b\u0159 13 miliard korun. Ke \u0161kod\u011b na majetku \u010cech\u016f i firem tak do\u0161lo […]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":788,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-1598","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-statistika"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1598","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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1598"}],"version-history":[{"count":2,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1598\/revisions"}],"predecessor-version":[{"id":1600,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1598\/revisions\/1600"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/788"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1598"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1598"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1598"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}