[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.fret.cz\/nadstandardni-pojisteni-domacnosti\/#Article","mainEntityOfPage":"https:\/\/www.fret.cz\/nadstandardni-pojisteni-domacnosti\/","headline":"Nadstandardn\u00ed poji\u0161t\u011bn\u00ed dom\u00e1cnosti","name":"Nadstandardn\u00ed poji\u0161t\u011bn\u00ed dom\u00e1cnosti","description":"N\u011bkdy v\u0161ak z\u00e1kladn\u00ed poji\u0161t\u011bn\u00ed nesta\u010d\u00ed pokr\u00fdt n\u00e1roky klienta a mus\u00ed se p\u0159istoupit k\u00a0\u0159e\u0161en\u00ed nadstandardn\u00edmu, neboli luxusn\u00edmu. Nadstandardn\u00ed poji\u0161t\u011bn\u00ed se t\u00fdk\u00e1 bu\u010f v\u011bt\u0161\u00edho po\u010dtu p\u0159edm\u011bt\u016f v\u00a0dom\u00e1cnosti, jejich vysok\u00e9 u\u017eitn\u00e9 hodnoty, luxusn\u00edch spot\u0159ebi\u010d\u016f a z\u00e1kladn\u00edho vybaven\u00ed, jejich\u017e po\u0159izovac\u00ed cena p\u0159esahuje b\u011b\u017en\u00e9 pr\u016fm\u011brn\u00e9 n\u00e1klady. Nadstandardn\u00ed poji\u0161t\u011bn\u00ed se tak\u00e9 vztahuje na p\u0159edm\u011bty vysok\u00e9 um\u011bleck\u00e9 hodnoty. Jako p\u0159\u00edklad m\u016f\u017eeme uv\u00e9st […]","datePublished":"2017-12-24","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.fret.cz\/author\/#Person","name":"","url":"https:\/\/www.fret.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/cfe4dae5aaf43720425415780408681beb9b9a829e9a657295ed1cacce5febc2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/cfe4dae5aaf43720425415780408681beb9b9a829e9a657295ed1cacce5febc2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"fret.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.fret.cz\/wp-content\/uploads\/img_a308394_w2435_t1519472051.jpg","url":"https:\/\/www.fret.cz\/wp-content\/uploads\/img_a308394_w2435_t1519472051.jpg","height":0,"width":0},"url":"https:\/\/www.fret.cz\/nadstandardni-pojisteni-domacnosti\/","wordCount":434,"articleBody":"\tN\u011bkdy v\u0161ak z\u00e1kladn\u00ed poji\u0161t\u011bn\u00ed nesta\u010d\u00ed pokr\u00fdt n\u00e1roky klienta a mus\u00ed se p\u0159istoupit k\u00a0\u0159e\u0161en\u00ed nadstandardn\u00edmu, neboli luxusn\u00edmu.\tNadstandardn\u00ed poji\u0161t\u011bn\u00ed se t\u00fdk\u00e1 bu\u010f v\u011bt\u0161\u00edho po\u010dtu p\u0159edm\u011bt\u016f v\u00a0dom\u00e1cnosti, jejich vysok\u00e9 u\u017eitn\u00e9 hodnoty, luxusn\u00edch spot\u0159ebi\u010d\u016f a z\u00e1kladn\u00edho vybaven\u00ed, jejich\u017e po\u0159izovac\u00ed cena p\u0159esahuje b\u011b\u017en\u00e9 pr\u016fm\u011brn\u00e9 n\u00e1klady. Nadstandardn\u00ed poji\u0161t\u011bn\u00ed se tak\u00e9 vztahuje na p\u0159edm\u011bty vysok\u00e9 um\u011bleck\u00e9 hodnoty. Jako p\u0159\u00edklad m\u016f\u017eeme uv\u00e9st mal\u00ed\u0159sk\u00e9 nebo socha\u0159sk\u00e9 ateli\u00e9ry, tv\u016fr\u010d\u00ed d\u00edlny, design\u00e9rsk\u00e1 studia, soukrom\u00e9 sb\u00edrky um\u011bleck\u00fdch p\u0159edm\u011bt\u016f vysok\u00fdch hodnot, sb\u011bratele staro\u017eitnost\u00ed a n\u00e1bytku, dom\u00e1c\u00ed trezory a sejfy apod. Ka\u017ed\u00e1 nadstandardn\u00ed pojistn\u00e1 smlouva se sjedn\u00e1v\u00e1 za specifick\u00fdch podm\u00ednek a tak\u00e9 tomu odpov\u00edd\u00e1 v\u00fd\u0161e pojistky a rovn\u011b\u017e v\u00fd\u0161e p\u0159\u00edpadn\u00e9ho pojistn\u00e9ho pln\u011bn\u00ed.\t\tV\u00fdhodou nadstandardn\u00edch luxusn\u00edch pojistek je p\u0159edem stanoven\u00e1 v\u00fd\u0161e pojistn\u00e9ho pln\u011bn\u00ed, kter\u00e1 zpravidla odpov\u00edd\u00e1 hodnot\u011b uv\u00e1d\u011bn\u00fdch p\u0159edm\u011bt\u016f. Nev\u00fdhodou je pochopiteln\u011b vy\u0161\u0161\u00ed cena pojistn\u00e9ho a tak\u00e9 to, \u017ee je sjedn\u00e1v\u00e1n\u00ed pojistky spojeno s\u00a0vy\u0161\u0161\u00edmi n\u00e1klady na administrativu. Nadstandardn\u00ed pojistn\u00e1 smlouva tak\u00e9 vy\u017eaduje pat\u0159i\u010dn\u00e9 zabezpe\u010den\u00ed objektu p\u0159ed vloup\u00e1n\u00edm a pochopiteln\u011b vypracov\u00e1n\u00ed znaleck\u00e9ho posudku na hodnotu poji\u0161\u0165ovan\u00fdch p\u0159edm\u011bt\u016f.\tKrom\u011b z\u00e1kladn\u00edho a nadstandardn\u00edho poji\u0161t\u011bn\u00ed existuje tak\u00e9 tzv. dopl\u0148kov\u00e9 poji\u0161t\u011bn\u00ed.\t\tDopl\u0148kov\u00e9 poji\u0161t\u011bn\u00ed dom\u00e1cnostiSjedn\u00e1v\u00e1 se pouze samostatn\u011b, tedy a\u017e na ur\u010dit\u00e9 v\u00fdjimky, a je ur\u010deno k\u00a0pokryt\u00ed zv\u00fd\u0161en\u00e9ho rizika po\u0161kozen\u00ed \u010di ztr\u00e1ty n\u011bkter\u00fdch b\u011b\u017en\u00fdch p\u0159edm\u011bt\u016f v\u00a0dom\u00e1cnosti. Nej\u010dast\u011bji se jedn\u00e1 o elektroniku, v\u00fdpo\u010detn\u00ed techniku ve v\u011bt\u0161\u00edm rozsahu (servery), j\u00edzdn\u00ed kola, mal\u00e9 motocykly a elektrokola, okenn\u00ed tabule a dve\u0159n\u00ed v\u00fdpln\u011b, stavebn\u00ed materi\u00e1l, vybaven\u00ed d\u00edlny, v\u011bci pot\u0159ebn\u00e9 pro podnikatelskou \u010dinnost atd.V\u00fdhodou dopl\u0148kov\u00e9ho tzv. p\u0159ipoji\u0161t\u011bn\u00ed je nav\u00fd\u0161en\u00ed pojistn\u00e9ho pln\u011bn\u00ed, v\u00a0n\u011bkter\u00fdch p\u0159\u00edpadech jde o n\u011bkolikan\u00e1sobn\u00e9 \u010d\u00e1stky oproti z\u00e1kladn\u00edmu poji\u0161t\u011bn\u00ed. Nev\u00fdhodou je slo\u017eit\u011bj\u0161\u00ed administrativn\u00ed postup p\u0159i sjedn\u00e1v\u00e1n\u00ed pojistky, jej\u00ed cena, a tak\u00e9 v\u00a0mnoha p\u0159\u00edpadech nutnost znaleck\u00e9ho posudku na hodnotu poji\u0161\u0165ovan\u00fdch p\u0159edm\u011bt\u016f.                                                                                                                                                                                                                                                                                                                                                                                        3.4\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nadstandardn\u00ed poji\u0161t\u011bn\u00ed dom\u00e1cnosti","item":"https:\/\/www.fret.cz\/nadstandardni-pojisteni-domacnosti\/#breadcrumbitem"}]}]