{"id":383,"date":"2022-02-05T10:15:00","date_gmt":"2022-02-05T09:15:00","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=383"},"modified":"2023-12-06T15:19:53","modified_gmt":"2023-12-06T14:19:53","slug":"vytopeni-susedia","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia\/","title":{"rendered":"Vytopen\u00ed susedia? Vieme, pre\u010do v\u00e1m pois\u0165ov\u0148a odmieta n\u00e1hradu \u0161kody"},"content":{"rendered":"\n<p><b>Pozn\u00e1te to. Zapnete pr\u00e1\u010dku a utek\u00e1te do kuchyne miesi\u0165 kol\u00e1\u010d. Zrazu v\u00e1m pri dver\u00e1ch zvon\u00ed rozz\u00faren\u00e1 suseda, \u017ee ste ju vytopili. Susedu uist\u00edte, \u017ee ste poisten\u00ed a za\u010dnete rie\u0161i\u0165 poistn\u00fa udalos\u0165 s va\u0161ou pois\u0165ov\u0148ou. No pois\u0165ov\u0148a odmieta uhradi\u0165 poistn\u00e9 plnenie s od\u00f4vodnen\u00edm, \u017ee na tento pr\u00edpad poisten\u00ed nie ste. Ako je to v\u00f4bec mo\u017en\u00e9?<\/b><span style=\"font-weight: 400;\"> &nbsp;<\/span><\/p>\n\n\n\n<p><strong>V \u010dl\u00e1nku sa do\u010d\u00edtate:&nbsp;<\/strong><\/p>\n\n\n\n<ul>\n<li>Rozdiel medzi poisten\u00edm dom\u00e1cnosti, nehnute\u013enosti a zodpovednosti<\/li>\n\n\n\n<li>Kedy v\u00e1m pois\u0165ov\u0148a uhrad\u00ed \u0161kodu a kedy nie<\/li>\n\n\n\n<li>Ako by ste sa teda mali <a href=\"https:\/\/www.fingo.sk\/kontakty\">poisti\u0165 spr\u00e1vne<\/a><\/li>\n\n\n\n<li>Pre\u010do skontrolova\u0165 star\u0161iu poistku<\/li>\n<\/ul>\n\n\n\n<h2><strong><span style=\"color: #ec8124;\">Rozdiel medzi poisten\u00edm dom\u00e1cnosti, nehnute\u013enosti a zodpovednosti<\/span><\/strong><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Pois\u0165ovne rozli\u0161uj\u00fa <strong>tri druhy poistenia:<\/strong> <\/span>poistenie dom\u00e1cnosti,<span style=\"font-weight: 400;\">&nbsp;<\/span>poistenie nehnute\u013enosti a poistenie zodpovednosti.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Predstavte si, \u017ee svoj byt alebo dom oto\u010d\u00edte hore nohami. V\u0161etko, \u010do v\u00e1m popad\u00e1, spad\u00e1 do poistenia dom\u00e1cnosti. Naopak, veci pevne spojen\u00e9 s nehnute\u013enos\u0165ou, spadaj\u00fa do poistenia nehnute\u013enosti.<\/span><\/p>\n<\/blockquote>\n\n\n\n<p><b><a href=\"https:\/\/www.fingo.sk\/blog\/na-co-sluzi-poistenie-nehnutelnosti\/\">V poisten\u00ed nehnute\u013enosti<\/a> <\/b>s\u00fa poisten\u00e9 nielen m\u00fary a steny, ale \u010dastokr\u00e1t aj kuchynsk\u00e1 linka, vstavan\u00e9 spotrebi\u010de a skrine, radi\u00e1tory, dvere, podlahy, kotol \u010di vod\u00e1rni\u010dka. <span style=\"font-weight: 400;\">Hnute\u013en\u00e9 veci s\u00fa poisten\u00e9 <strong>v poisten\u00ed dom\u00e1cnosti.<\/strong><\/span><span style=\"font-weight: 400;\"><strong>&nbsp;<\/strong><\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\"><strong>Pr\u00e1\u010dka<\/strong> je teda zvy\u010dajne kryt\u00e1 v r\u00e1mci poistenia dom\u00e1cnosti. Zodpovednos\u0165 za \u0161kodu, ktor\u00fa sp\u00f4sob\u00ed, je hraden\u00e1 zo zodpovednosti za \u0161kodu pr\u00edslu\u0161n\u00edkov dom\u00e1cnosti, ktor\u00e1 je ozna\u010dovan\u00e1 ako<\/span><b>&nbsp;zodpovednos\u0165 <\/b>pr\u00edslu\u0161n\u00edkov dom\u00e1cnosti.<\/p>\n\n\n\n<h2><strong><span style=\"color: #ec8124;\">Kedy v\u00e1m pois\u0165ov\u0148a uhrad\u00ed \u0161kodu&nbsp;<\/span><\/strong><\/h2>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Ak m\u00e1te uzatvoren\u00e9 poistenie dom\u00e1cnosti spolu <strong>so zodpovednos\u0165ou,<\/strong> \u0161kodu susede nahrad\u00ed pois\u0165ov\u0148a z tejto zodpovednosti. <\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Ale pozor, <\/span>zodpovednos\u0165 kryje<b> \u010dasov\u00fa cenu.<\/b><span style=\"font-weight: 400;\"> Suseda preto dostane n\u00e1hradu \u0161kody zn\u00ed\u017een\u00fa o amortiz\u00e1ciu, teda opotrebenie svojho zariadenia. <\/span><\/li>\n\n\n\n<li>Ak v\u0161ak svoju dom\u00e1cnos\u0165 poisten\u00fa nem\u00e1te, ale iba nehnute\u013enos\u0165, \u0161kodu sp\u00f4soben\u00fa susede budete musie\u0165 uhradi\u0165 v plnej v\u00fd\u0161ke <strong>z vlastn\u00e9ho vrecka.<\/strong><\/li>\n\n\n\n<li>V pr\u00edpade, \u017ee vznikla <strong>\u0161koda aj v\u00e1m,<\/strong> napr\u00edklad po\u0161koden\u00e9 alebo vydut\u00e9 parkety, tieto v\u00e1m va\u0161a pois\u0165ov\u0148a uhrad\u00ed z poistenia nehnute\u013enosti.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><em>Ak m\u00e1te poistenie nehnute\u013enosti <a href=\"https:\/\/www.fingo.sk\/blog\/pri-poisteni-nehnutelnosti-si-treba-dat-pozor-na-podpoistenie\/\">vinkulovan\u00e9<\/a>, mus\u00edte do poistnej udalosti zapoji\u0165 aj va\u0161u banku.<\/em><span style=\"font-weight: 400;\"><em> Vo v\u00e4\u010d\u0161ine pr\u00edpadov, ak ide o \u0161kodu do 3 000 \u20ac, &nbsp;banka v\u00e1m vyd\u00e1 potvrdenie, \u017ee poistn\u00e9 plnenie m\u00f4\u017ee pois\u0165ov\u0148a pouk\u00e1za\u0165 priamo na v\u00e1\u0161 \u00fa\u010det.<\/em><\/span><\/p>\n<\/blockquote>\n\n\n\n<p><strong><span style=\"color: #ec8124;\">Pozor!<\/span> <\/strong>V<span style=\"font-weight: 400;\">oda z vodovodn\u00fdch zariaden\u00ed, ako je toto riziko ozna\u010dovan\u00e9 v poistn\u00fdch podmienkach, <strong>nie je kryt\u00e9 automaticky <\/strong>vo v\u0161etk\u00fdch poisteniach. V\u00e4\u010d\u0161inou je toto riziko kryt\u00e9 v najvy\u0161\u0161\u00edch bal\u00edkoch poistenia dom\u00e1cnosti a nehnute\u013enosti. Ne\u0161etrite preto <a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\">na poisten\u00ed,<\/a> nemus\u00ed sa v\u00e1m to vyplati\u0165.<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Na\u0161i sk\u00fasen\u00ed<a href=\"https:\/\/www.fingo.sk\/kontakty\"><strong> finan\u010dn\u00ed sprostredkovatelia<\/strong><\/a> z FinGO.sk v\u00e1m poradia, ako si vybra\u0165 poistenie na trhu, ktor\u00e9 v\u00e1m poskytne kvalitn\u00e9 krytie a z\u00e1rove\u0148 bude aj cenovo v\u00fdhodn\u00e9.<\/p>\n\n\n\n<div class=\"block-visibility-hide-small-screen is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<iframe src=\"https:\/\/www.fingo.sk\/banner\/poistenie-majetku\/version1?inNewWindow=1&#038;cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO\" id=\"iframePropertyInsuranceV1\" style=\"min-height: 593px; width: 110%; border: none; height: 937px;\" loading=\"lazy\"><\/iframe>\n<\/div><\/div>\n\n\n\n<div class=\"block-visibility-hide-large-screen block-visibility-hide-medium-screen is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<iframe src=\"https:\/\/www.fingo.sk\/banner\/poistenie-majetku\/version1?inNewWindow=1&#038;cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO\" id=\"iframePropertyInsuranceV1\" style=\"min-height: 1300px; width: 100%; border: none; height: 937px;\" loading=\"lazy\"><\/iframe>\n<\/div><\/div>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Ako sa teda poisti\u0165 spr\u00e1vne?&nbsp;<\/b><\/span><\/h2>\n\n\n\n<ul>\n<li>Majte poistenie nehnute\u013enosti, dom\u00e1cnosti a zodpovednosti s\u00fa\u010dasne, ide\u00e1lne<strong> na jednej zmluve.&nbsp;<\/strong><\/li>\n\n\n\n<li>Ak m\u00e1te dve samostatn\u00e9 poistenia (poistenie nehnute\u013enosti zvl\u00e1\u0161\u0165 a poistenie dom\u00e1cnosti zvl\u00e1\u0161\u0165), majte ich <strong>v jednej pois\u0165ovni.<\/strong> V pr\u00edpade vzniku poistnej udalosti, ktor\u00e1 sa bude vz\u0165ahova\u0165 na obe poistenia, budete ale s ve\u013ekou pravdepodobnos\u0165ou plati\u0165 spolu\u00fa\u010das\u0165 z oboch poisten\u00ed.<\/li>\n\n\n\n<li>Majte dojednan\u00fa zodpovednos\u0165 z dr\u017eby nehnute\u013enosti, ako aj <strong>ob\u010diansku zodpovednos\u0165<\/strong> pr\u00edslu\u0161n\u00edkov dom\u00e1cnosti s\u00fa\u010dasne.<\/li>\n\n\n\n<li>Pri zodpovednosti sa neuspokojte s poistn\u00fdmi sumami <strong>do 50 000 \u20ac.<\/strong><\/li>\n<\/ul>\n\n\n\n<p><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Poistenie nehnute\u013enosti, rovnako ako poistenie dom\u00e1cnosti, si viete vybavi\u0165 aj jednoducho <a style=\"font-size: revert;\" href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\" target=\"_blank\" rel=\"noopener\">online.<\/a><span style=\"font-size: revert; color: initial;\"> Zad\u00e1te nieko\u013eko z\u00e1kladn\u00fdch <\/span><strong style=\"font-size: revert; color: initial;\">\u00fadajov o va\u0161ej nehnute\u013enosti<\/strong><span style=\"font-size: revert; color: initial;\"> a vyberiete si poistenie, ktor\u00e9 v\u00e1m bude najviac vyhovova\u0165.&nbsp;<\/span><\/p>\n\n\n\n<h2><strong><span style=\"color: #ec8124;\">Pre\u010do skontrolova\u0165 star\u0161iu poistku<\/span><\/strong><\/h2>\n\n\n\n<p>Nezabudnite aj na to, \u017ee ak m\u00e1te poistenie spred nieko\u013ek\u00fdch rokov a nehnute\u013enos\u0165 m\u00e1te poisten\u00fa <strong>na ni\u017e\u0161iu poistn\u00fa sumu,<\/strong> v\u00e1\u0161 dom \u010di byt u\u017e m\u00f4\u017ee by\u0165 <strong>podpoisten\u00fd.<\/strong><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><strong>Pr\u00edklad:<\/strong> <\/span>Predstavme si, \u017ee ste si pred 10 rokmi k\u00fapili 3-izbov\u00fd byt za <strong>80 000 \u20ac<\/strong>. Medzi\u010dasom ste ho zrekon\u0161truovali, ceny nehnute\u013enosti st\u00fapli, a v\u00e1\u0161 byt m\u00e1 dnes hodnotu <strong>120 000 \u20ac.<\/strong> Ak by ste napr\u00edklad vyhoreli, pois\u0165ov\u0148a by v\u00e1m vyplatila dojednan\u00e9 plnenie <strong>max. 80 000 \u20ac.<\/strong> Ale za t\u00fato cenu u\u017e nek\u00fapite rovnako ve\u013ek\u00fd byt v rovnakom stave vo va\u0161ej lokalite, mo\u017eno sk\u00f4r 2-izbov\u00fd alebo len 1-izb\u00e1k. Pr\u00edpadne sa budete musie\u0165 ods\u0165ahova\u0165 na kraj mesta do lacnej\u0161ej lokality.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>Viac podrobnost\u00ed a praktick\u00e9 rady ako sa podpoisteniu vyhn\u00fa\u0165, si m\u00f4\u017eete pre\u010d\u00edta\u0165 aj v na\u0161om <a href=\"https:\/\/www.fingo.sk\/blog\/pri-poisteni-nehnutelnosti-si-treba-dat-pozor-na-podpoistenie\/\">blogu.<\/a><\/p>\n<\/blockquote>\n\n\n\n<p><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Finan\u010dn\u00ed makl\u00e9ri z<a href=\"https:\/\/www.fingo.sk\/kontakty\"> FinGO.sk <\/a>m\u00f4\u017eu va\u0161u star\u0161iu poistn\u00fa zmluvu skontrolova\u0165 a poistn\u00e9 sumy zaktualizova\u0165. Z\u00e1rove\u0148 v\u00e1m odporu\u010dia, \u010di na trhu nie je poistenie, ktor\u00e9 by bolo pre v\u00e1s <strong>v\u00fdhodnej\u0161ie.<\/strong> \u010ci u\u017e cenovo, rozsahom poistn\u00e9ho krytia a asisten\u010dn\u00fdch slu\u017eieb, alebo aj z viacer\u00fdch h\u013ead\u00edsk.<\/p>\n\n\n\n<p>Zavolajte n\u00e1m na&nbsp;<a href=\"tel:0800601060\"><b>0800 60 10 60<\/b><\/a>&nbsp;alebo n\u00e1m zanechajte&nbsp;<strong>kontaktn\u00e9 \u00fadaje<\/strong> vo formul\u00e1ri ni\u017e\u0161ie a my sa v\u00e1m ozveme.<\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><span style=\"color: #333333;\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o1\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/383#wpcf7-f2236-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pozn\u00e1te to. Zapnete pr\u00e1\u010dku a utek\u00e1te do kuchyne miesi\u0165 kol\u00e1\u010d. Ke\u010f v\u00e1m zrazu pri dver\u00e1ch zvon\u00ed rozz\u00faren\u00e1 suseda, \u017ee ste ju vytopili. Susedu uist\u00edte, \u017ee ste poisten\u00ed a za\u010dnete rie\u0161i\u0165 poistn\u00fa udalos\u0165 s va\u0161ou pois\u0165ov\u0148ou. No pois\u0165ov\u0148a odmieta uhradi\u0165 poistn\u00e9 plnenie s od\u00f4vodnen\u00edm, \u017ee na tento pr\u00edpad poisten\u00ed nie ste. Ako je to v\u00f4bec mo\u017en\u00e9? \u00a0<\/p>\n","protected":false},"author":26,"featured_media":5262,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,75,16],"tags":[189,60,58,38,59],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Vytopen\u00ed susedia? Vieme, pre\u010do v\u00e1m pois\u0165ov\u0148a odmieta n\u00e1hradu \u0161kody - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Vytopen\u00ed susedia? Pre\u010do je ide\u00e1lne, ak m\u00e1te na jednej zmluve poistenie nehnute\u013enosti, dom\u00e1cnosti a e\u0161te aj zodpovednosti? Viac v na\u0161om \u010dl\u00e1nku.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Vytopen\u00ed susedia? Vieme, pre\u010do v\u00e1m pois\u0165ov\u0148a odmieta n\u00e1hradu \u0161kody - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Vytopen\u00ed susedia? Pre\u010do je ide\u00e1lne, ak m\u00e1te na jednej zmluve poistenie nehnute\u013enosti, dom\u00e1cnosti a e\u0161te aj zodpovednosti? 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