[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.orfest.cz\/pojistka-na-blbost-k-cemu-slouzi\/#Article","mainEntityOfPage":"https:\/\/www.orfest.cz\/pojistka-na-blbost-k-cemu-slouzi\/","headline":"Pojistka na blbost. K \u010demu slou\u017e\u00ed?","name":"Pojistka na blbost. K \u010demu slou\u017e\u00ed?","description":"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161koduse vztahuje na \u0161kody, kter\u00e9 jste n\u011bkomu jin\u00e9mu zp\u016fsobili svou \u010dinnost\u00ed nebo zach\u00e1zen\u00edm se sv\u00fdm majetkem. Takov\u00e9 … ","datePublished":"2023-05-05","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.orfest.cz\/author\/devene\/#Person","name":"orfest.cz","url":"https:\/\/www.orfest.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/046c8368865b87ac6ea06cde0e0a80b91304a43fe31de210702ad59bbd9a1974?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/046c8368865b87ac6ea06cde0e0a80b91304a43fe31de210702ad59bbd9a1974?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"orfest.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.orfest.cz\/wp-content\/uploads\/img_a309238_w2371_t1520234562.jpg","url":"https:\/\/www.orfest.cz\/wp-content\/uploads\/img_a309238_w2371_t1520234562.jpg","height":0,"width":0},"url":"https:\/\/www.orfest.cz\/pojistka-na-blbost-k-cemu-slouzi\/","about":["Finance"],"wordCount":411,"articleBody":"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161koduse vztahuje na \u0161kody, kter\u00e9 jste n\u011bkomu jin\u00e9mu zp\u016fsobili svou \u010dinnost\u00ed nebo zach\u00e1zen\u00edm se sv\u00fdm majetkem. Takov\u00e9 poji\u0161t\u011bn\u00ed se nevztahuje pouze na v\u00e1s, n\u00fdbr\u017e i na ostatn\u00ed \u010dleny dom\u00e1cnosti. A v\u011b\u0159te, \u017ee situac\u00ed, kdy se v\u00e1m takov\u00e1 pojistka hod\u00ed, je mnoho a mohou nastat kdykoliv. Za takovou \u0161kodu se pova\u017euje t\u0159eba kdy\u017e vytop\u00edte sousedy. M\u00edsto toho, abyste \u0161kodu platili ze sv\u00e9ho, zaplat\u00ed ji poji\u0161\u0165ovna, u kter\u00e9 se rozhodnete pojistku na blbost uzav\u0159\u00edt. Poji\u0161\u0165ovna konkr\u00e9tn\u011b hrad\u00ed \u0161kody, kter\u00fd vznikly jin\u00e9mu na \u017eivot\u011b, vznikl\u00e9 po\u0161kozen\u00edm \u010di zni\u010den\u00edm v\u011bci a n\u00e1hradu n\u011bkter\u00fdch n\u00e1klad\u016f p\u0159\u00edpadn\u00e9ho soudn\u00edho \u0159\u00edzen\u00ed. Toto poji\u0161t\u011bn\u00ed hrad\u00ed neomezen\u00fd po\u010det \u0161kod za rok.Toto poji\u0161t\u011bn\u00ed se vztahuje i na ostatn\u00ed \u010dleny va\u0161\u00ed rodiny. Radost budou m\u00edt i majitel\u00e9 dom\u00e1c\u00edch mazl\u00ed\u010dk\u016f, jeliko\u017e se pojistka vztahuje pr\u00e1v\u011b i na va\u0161e dom\u00e1c\u00ed zv\u00ed\u0159ata.\tPoji\u0161t\u011bn\u00ed i pro zam\u011bstnanceJe zajist\u00e9 velmi nep\u0159\u00edjemn\u00e9, kdy\u017e zp\u016fsob\u00edte n\u011bjak\u00fdm zp\u016fsobem \u0161kodu sv\u00e9mu zam\u011bstnavateli. Nem\u011bjte ale obavy. Poji\u0161t\u011bn\u00ed funguje i pro zam\u011bstnance. Takov\u00e1 \u0161koda, kterou byste mohli zp\u016fsobit sv\u00e9mu zam\u011bstnavateli, se m\u016f\u017ee vy\u0161plhat na pom\u011brn\u011b vysokou sumu. Tato suma je ale limitov\u00e1na, jeliko\u017e maxim\u00e1ln\u00ed \u010d\u00e1stka, kterou po v\u00e1s zam\u011bstnavatel v p\u0159\u00edpad\u011b zp\u016fsoben\u00ed \u0161kody m\u016f\u017ee cht\u00edt, je4,5 n\u00e1sobek va\u0161eho platu. Tento limit v\u0161ak plat\u00ed pouze tehdy, pokud jste \u0161kodu nezavinili \u00famysln\u011b. Pojistka pak plat\u00ed pokud poru\u0161\u00edte va\u0161e pr\u00e1vn\u00ed povinnosti, pokud vznikla \u0161koda vy\u010d\u00edsliteln\u00e1 v pen\u011bz\u00edch, je zde p\u0159\u00edm\u00e1 souvislost mezi poru\u0161en\u00edm povinnost\u00ed zam\u011bstnance a vznikem \u0161kody nebo pokud do\u0161lo k zavin\u011bn\u00ed zam\u011bstnance \u00famyslem \u010di nedbalost\u00ed.Poji\u0161t\u011bn\u00ed odpov\u011bdnosti se hod\u00ed zam\u011bstnanc\u016fm, kte\u0159\u00ed vykon\u00e1vaj\u00ed odpov\u011bdn\u00e9 pr\u00e1ce. Nap\u0159\u00edklad pracuj\u00ed s drah\u00fdmi p\u0159edm\u011bty nebo drah\u00fdmi stroji. Tak\u00e9 se hod\u00ed zam\u011bstnanc\u016fm, kte\u0159\u00ed maj\u00ed se sv\u00fdm zam\u011bstnavatelem uzav\u0159enou p\u00edsemnou dohodu o hmotn\u00e9 odpov\u011bdnosti. Pojistka se ale bude hodit v\u0161em zam\u011bstnanc\u016fm, proto\u017ee nikdo p\u0159ece nen\u00ed dokonal\u00fd a chyby d\u011bl\u00e1me ka\u017ed\u00fd den.                                                                                                                                                                                                                                                                                                                                                                                        4.7\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pojistka na blbost. K \u010demu slou\u017e\u00ed?","item":"https:\/\/www.orfest.cz\/pojistka-na-blbost-k-cemu-slouzi\/#breadcrumbitem"}]}]