{"id":648,"date":"2023-01-09T11:33:37","date_gmt":"2023-01-09T11:33:37","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=648"},"modified":"2023-01-09T11:33:37","modified_gmt":"2023-01-09T11:33:37","slug":"pillow-pojisteni-podle-kilometru-roste","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=648","title":{"rendered":"Pillow: Poji\u0161t\u011bn\u00ed podle kilometr\u016f roste"},"content":{"rendered":"

Uplynul\u00fd rok potvrdil r\u016fst z\u00e1jmu \u010desk\u00fdch \u0159idi\u010d\u016f o poji\u0161t\u011bn\u00ed s\u00a0cenou dle ujet\u00fdch kilometr\u016f. Ji\u017e t\u0159et\u00ed rok za sebou se nejrychleji rostouc\u00ed poji\u0161\u0165ovnou stala Pillow, kter\u00e1 \u010cechy nau\u010dila jednou za rok vyfotit tachometr pomoc\u00ed mobiln\u00ed aplikace.<\/strong><\/p>\n

<\/p>\n

T\u0159i roky s legend\u00e1rn\u00edm poji\u0161t\u011bn\u00edm<\/strong><\/p>\n

Pillow poji\u0161\u0165ovna v\u00a0roce 2020 zp\u016fsobila malou revoluci na trhu s\u00a0poji\u0161t\u011bn\u00edm. Jako prvn\u00ed a st\u00e1le jedin\u00e9 se j\u00ed poda\u0159ilo sn\u00ed\u017eit po\u010det stran pojistn\u00fdch podm\u00ednek na pouh\u00fdch 7 stran a cel\u00e1 pojistn\u00e1 smlouva se ve\u0161la na jedinou stranu. \u201eNa rozd\u00edl od jin\u00fdch poji\u0161\u0165oven jsme zru\u0161ili nev\u00fdhodn\u00e9 bal\u00ed\u010dky poji\u0161t\u011bn\u00ed a nahradili je volitelnou skl\u00e1da\u010dkou<\/em>,\u201c vzpom\u00edn\u00e1 Martin Pod\u00e1vka, produktov\u00fd guru Pillow poji\u0161\u0165ovny a vysv\u011btluje i d\u016fvod. \u201eBal\u00ed\u010dky \u010dasto obsahuj\u00ed i nepot\u0159ebn\u00e9 \u010d\u00e1sti a klienti jsou tak nuceni platit i za nepot\u0159ebn\u00e9 \u010d\u00e1sti. A to samoz\u0159ejm\u011b zvy\u0161uje cenu poji\u0161t\u011bn\u00ed<\/em>.\u201c V\u00a0oblasti ceny p\u0159i\u0161la Pillow poji\u0161\u0165ovna jako prvn\u00ed s\u00a0p\u0159\u00edstupem, kdy v\u00a0pojistn\u00e9 smlouv\u011b je uvedena i cena za jeden kilometr. Pokud klient ujede v\u00edce \u010di m\u00e9n\u011b ne\u017e na po\u010d\u00e1tku odhadl, ihned v\u00ed, kolik je t\u0159eba doplatit nebo kolik mu naopak poji\u0161\u0165ovna vr\u00e1t\u00ed zp\u011bt.<\/p>\n

Raketov\u00fd r\u016fst. Relativn\u011b i absolutn\u011b<\/h4>\n

Od uveden\u00ed p\u0159elomov\u00e9ho poji\u0161t\u011bn\u00ed se Pillow stala nejrychleji rostouc\u00ed ne\u017eivotn\u00ed poji\u0161\u0165ovnou na trhu. Ka\u017ed\u00e9 \u010dtvrtlet\u00ed p\u0159ekon\u00e1vala v\u00a0rychlosti r\u016fstu sv\u00e9 konkurenty a rok 2022 p\u0159inesl je\u0161t\u011b jedno nov\u00e9 prvenstv\u00ed. Krom\u011b prvn\u00edho m\u00edsta v\u00a0relativn\u00edm r\u016fstu (t\u00e9m\u011b\u0159 zdvojn\u00e1soben\u00ed po\u010dtu poji\u0161t\u011bn\u00fdch vozidel) se Pillow stala i absolutn\u00ed jedni\u010dkou r\u016fstu. B\u011bhem roku 2022 zv\u00fd\u0161ila po\u010det poji\u0161t\u011bn\u00fdch vozidel o 60\u00a0060 kus\u016f a p\u0159edb\u011bhla v\u00a0r\u016fstu i mnohem v\u011bt\u0161\u00ed poji\u0161\u0165ovny.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Poji\u0161\u0165ovna<\/strong><\/td>\nPo\u010det vozidel
\n31. 12. 2022<\/strong><\/td>\n		Absolutn\u00ed r\u016fst<\/strong><\/p>\n

v roce 2022<\/strong><\/td>\n

Procentn\u00ed r\u016fst<\/strong><\/p>\n

v roce 2022<\/strong><\/td>\n<\/tr>\n

Pillow<\/strong><\/td>\n126 217<\/strong><\/td>\n60 060<\/strong><\/td>\n90,8 %<\/strong><\/td>\n<\/tr>\n
\u010cesk\u00e1 podnikatelsk\u00e1<\/td>\n1 456 359<\/td>\n42 348<\/td>\n3,0 %<\/td>\n<\/tr>\n
Kooperativa<\/td>\n1 623 889<\/td>\n38 676<\/td>\n2,4 %<\/td>\n<\/tr>\n
Direct<\/td>\n472 255<\/td>\n37 933<\/td>\n8,7 %<\/td>\n<\/tr>\n
Allianz<\/td>\n1 090 280<\/td>\n31 544<\/td>\n3,0 %<\/td>\n<\/tr>\n
\u010cSOB poji\u0161\u0165ovna<\/td>\n758 764<\/td>\n25 468<\/td>\n3,5 %<\/td>\n<\/tr>\n
Poji\u0161\u0165ovna VZP<\/td>\n60 015<\/td>\n14 545<\/td>\n32,0 %<\/td>\n<\/tr>\n
Slavia<\/td>\n200 388<\/td>\n12 991<\/td>\n6,9 %<\/td>\n<\/tr>\n
Hasi\u010dsk\u00e1 vz\u00e1jemn\u00e1<\/td>\n71 572<\/td>\n10 536<\/td>\n17,3 %<\/td>\n<\/tr>\n
Leaseplan<\/td>\n193<\/td>\n-22<\/td>\n-10,2 %<\/td>\n<\/tr>\n
Generali \u010cesk\u00e1<\/td>\n2 197 764<\/td>\n-39 810<\/td>\n-1,8 %<\/td>\n<\/tr>\n
Uniqa<\/td>\n994 878<\/td>\n-40 648<\/td>\n-3,9 %<\/td>\n<\/tr>\n
Celkem<\/em><\/td>\n9 052 574<\/em><\/td>\n193 621<\/em><\/td>\n2,2 %<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

Zdroj: https:\/\/ckp.cz\/statistiky\/pocet-pojistenych-vozidel<\/a><\/p>\n

Po\u010d\u00e1te\u010dn\u00ed ned\u016fv\u011bru vyst\u0159\u00eddal obrovsk\u00fd z\u00e1jem<\/h4>\n

Na po\u010d\u00e1tku klienti i poradci p\u0159istupovali k\u00a0poji\u0161t\u011bn\u00ed s\u00a0cenou dle ujet\u00fdch kilometr\u016f s\u00a0ned\u016fv\u011brou. L\u00e1kala v\u00fdrazn\u00e1 \u00faspora pen\u011bz, kter\u00e1 dosahuje a\u017e 40 % oproti oby\u010dejn\u00e9mu povinn\u00e9mu ru\u010den\u00ed nebo havarijn\u00edmu poji\u0161t\u011bn\u00ed. \u201eObava klient\u016f plynula z\u00a0povinnosti jednou za rok vyfotit tachometr se stavem kilometr\u016f,<\/em>\u201c prozrazuje Marcel Beno, procesn\u00ed m\u00e1g Pillow poji\u0161\u0165ovny. \u201eBrzy ale z\u00e1kazn\u00edci zjistili, \u017ee cel\u00fd \u00fakon pomoc\u00ed mobiln\u00ed aplikace trv\u00e1 necelou minutu, a to rozhodlo o obchodn\u00edm \u00fasp\u011bchu nov\u00e9ho poji\u0161t\u011bn\u00ed<\/em>.\u201c V\u00fdhodou je, \u017ee aplikaci si m\u016f\u017ee st\u00e1hnout ka\u017ed\u00fd i bez sjednan\u00e9ho poji\u0161t\u011bn\u00ed a ihned si tak vyzkou\u0161\u00ed, jak snadn\u00e9 je vyfotit po\u010d\u00edtadlo kilometr\u016f.<\/p>\n

\u010c\u00edm vy\u0161\u0161\u00ed inflace, t\u00edm v\u011bt\u0161\u00ed \u00faspora<\/h4>\n

\u010c\u00edm vy\u0161\u0161\u00ed je r\u016fst inflace, t\u00edm v\u011bt\u0161\u00ed cenov\u00e9 n\u016f\u017eky se rozev\u00edraj\u00ed mezi b\u011b\u017en\u00fdm poji\u0161t\u011bn\u00edm a poji\u0161t\u011bn\u00edm dle kilometr\u016f pro n\u00edzkon\u00e1jezdov\u00e1 vozidla. Plat\u00ed jednoduch\u00e9 pravidlo: v\u00a0okam\u017eiku, kdy s vozidlem jeho majitel najezd\u00ed ro\u010dn\u011b m\u00e9n\u011b ne\u017e 12 tis\u00edc kilometr\u016f, poji\u0161t\u011bn\u00ed dle kilometr\u016f se ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f vyplat\u00ed. A v\u00fd\u0161e \u00faspory se v\u00a0\u010dase bude i nad\u00e1le zv\u011bt\u0161ovat. \u201eMajitel\u00e9 vozidel s\u00a0pr\u016fm\u011brn\u00fdm a podpr\u016fm\u011brn\u00fdm n\u00e1jezdem by tak m\u011bli zpozorn\u011bt. Pokud ji\u017e dnes nevyu\u017e\u00edvaj\u00ed poji\u0161t\u011bn\u00ed s\u00a0cenou dle kilometr\u016f, pak pravd\u011bpodobn\u011b zbyte\u010dn\u011b p\u0159epl\u00e1cej\u00ed svou sou\u010dasnou pojistku<\/em>,\u201c uzav\u00edr\u00e1 Martin Pod\u00e1vka.<\/p>\n

<\/h1>\n","protected":false},"excerpt":{"rendered":"

Uplynul\u00fd rok potvrdil r\u016fst z\u00e1jmu \u010desk\u00fdch \u0159idi\u010d\u016f o poji\u0161t\u011bn\u00ed s\u00a0cenou dle ujet\u00fdch kilometr\u016f. Ji\u017e t\u0159et\u00ed rok za sebou se nejrychleji rostouc\u00ed poji\u0161\u0165ovnou stala Pillow, kter\u00e1 […]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":649,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-648","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\/648","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=648"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/648\/revisions"}],"predecessor-version":[{"id":650,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/648\/revisions\/650"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/649"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=648"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=648"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=648"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}