{"id":11677,"date":"2025-03-17T08:19:16","date_gmt":"2025-03-17T08:19:16","guid":{"rendered":"https:\/\/www.automakers.cz\/?p=11677"},"modified":"2025-03-17T08:19:16","modified_gmt":"2025-03-17T08:19:16","slug":"cpp-mela-tiskovku-k-majetkovemu-pojisteni","status":"publish","type":"post","link":"https:\/\/www.automakers.cz\/?p=11677","title":{"rendered":"\u010cPP m\u011bla tiskovku k majetkov\u00e9mu poji\u0161t\u011bn\u00ed"},"content":{"rendered":"<p><strong><b>\u010cesk\u00e1 podnikatelsk\u00e1 poji\u0161\u0165ovna (\u010cPP) svolala 13. b\u0159ezna novin\u00e1\u0159e na tiskovku k v\u00fdvoji majetkov\u00e9ho poji\u0161t\u011bn\u00ed. M<\/b><\/strong><strong><b>ezi lety<\/b><\/strong><strong>\u00a02020 <\/strong><strong><b>a 2024<\/b><\/strong><strong><b> nav\u00fd\u0161ila \u010cPP pr\u016fm\u011brn\u00e9 vyplacen\u00e9 pojistn\u00e9 pln\u011bn\u00ed p\u0159ibli\u017en\u011b trojn\u00e1sobn\u011b.<\/b><\/strong><span id=\"more-2452\"><\/span><!--more--><\/p>\n<p>Zat\u00edmco pr\u016fm\u011brn\u00e1 \u0161koda z poji\u0161t\u011bn\u00ed soukrom\u00fdch nemovitost\u00ed v roce 2020 \u010dinila 22 056 korun, v roce 2024 vzrostla na 66 639 korun. D\u016fvodem jsou p\u0159edev\u0161\u00edm kalamity.<\/p>\n<p><em><i>\u201ePr\u016fm\u011brn\u011b vyplacen\u00e9 pojistn\u00e9 pln\u011bn\u00ed v\u00a0majetkov\u00e9m poji\u0161t\u011bn\u00ed v\u00a0posledn\u00edch letech vzrostlo p\u0159ibli\u017en\u011b trojn\u00e1sobn\u011b, av\u0161ak cena majetkov\u00e9ho poji\u0161t\u011bn\u00ed rostla u rodinn\u00fdch dom\u016f pr\u016fm\u011brn\u011b o\u00a046 % a u rekrea\u010dn\u00edch objekt\u016f o 38 %,\u201c <\/i><\/em>vysv\u011btluje Marek Woitsch, \u0159editel \u00daseku tvorby produkt\u016f v\u00a0\u010cPP. P\u0159esto\u017ee v\u00fdplaty pojistn\u00fdch pln\u011bn\u00ed v\u00a0posledn\u00edch letech zna\u010dn\u011b vzrostly, ceny poji\u0161t\u011bn\u00ed rostly ni\u017e\u0161\u00edm tempem.<\/p>\n<p>I p\u0159es tento v\u00fdvoj je v\u0161ak zna\u010dn\u00e1 \u010d\u00e1st nemovitost\u00ed\u00a0poji\u0161t\u011bna nedostate\u010dn\u011b. <em><i>\u201ePodpoji\u0161t\u011bn\u00ed se pohybuje kolem 60 %. Je zde tedy zna\u010dn\u00e9 mno\u017estv\u00ed lid\u00ed, kte\u0159\u00ed nemaj\u00ed spr\u00e1vn\u011b nastaven\u00e9 pojistn\u00e9 \u010d\u00e1stky. Klient\u016fm doporu\u010dujeme, aby vyu\u017e\u00edvali automatickou indexaci,\u201c<\/i><\/em>\u00a0dopl\u0148uje Woitsch. \u010cPP na sv\u00e9m webu tak\u00e9 zve\u0159ejnila majetkovou kalkula\u010dku, ve kter\u00e9 mohou lid\u00e9 zjistit hodnotu sv\u00e9 nemovitosti. \u201e<em><i>Pokud budou lid\u00e9 zn\u00e1t re\u00e1lnou hodnotu sv\u00e9ho majetku, budou um\u011bt l\u00e9pe nastavit i hodnotu majetkov\u00e9ho poji\u0161t\u011bn\u00ed.\u00a0Je to \u0161ikovn\u00fd ukazatel, kter\u00fd pom\u016f\u017ee odhalit, zda nen\u00ed nemovitost podpoji\u0161t\u011bna,\u201c<\/i><\/em>\u00a0\u0159\u00edk\u00e1 \u0159editel \u00daseku tvorby produkt\u016f. Kalkula\u010dka je zdarma a bez nutnosti na sebe zanechat kontakt. Dostupn\u00e1 je na <a href=\"https:\/\/kalkulacka.cpp.cz\/oceneni-nemovitosti\"><u>kalkulacka.cpp.cz\/oceneni-nemovitosti<\/u><\/a>.<\/p>\n<p>Riziko podpoji\u0161t\u011bn\u00ed se nejv\u00edce projevuje p\u0159i kalamitn\u00edch ud\u00e1lostech, jak\u00fdmi byly nap\u0159\u00edklad lo\u0148sk\u00e9 vich\u0159ice v\u00a0l\u00e9t\u011b nebo z\u00e1\u0159ijov\u00e9 povodn\u011b. \u201e<em><i>P\u0159edstavte si, \u017ee sv\u016fj d\u016fm, kter\u00fd m\u00e1 nyn\u00ed hodnotu 6 000 000 K\u010d, m\u00e1te poji\u0161t\u011bn jen na 3 000 000 K\u010d, proto\u017ee jste mnoho let neaktualizovali sv\u00e9 poji\u0161t\u011bn\u00ed. \u00a0Pak p\u0159ijde vich\u0159ice, kter\u00e1 v\u00e1m vezme st\u0159echu a vznikne \u0161koda ve v\u00fd\u0161i 500 000 K\u010d. \u0158\u00edk\u00e1te si, \u017ee poji\u0161t\u011bn\u00ed na to sta\u010d\u00ed, jen\u017ee pln\u011bn\u00ed se v\u00e1m bude kr\u00e1tit v\u017edy v tom pom\u011bru, v jak\u00e9m jste podpoji\u0161t\u011bni (v tomto p\u0159\u00edpad\u011b 50 %). Nam\u00edsto p\u016fl milionu tedy dostanete pouze 250 000 K\u010d,\u201c<\/i><\/em>\u00a0upozor\u0148uje Marek Woitsch.<\/p>\n<p>Povode\u0148 v\u00a0z\u00e1\u0159\u00ed roku 2024 byla pro \u010cPP nejv\u011bt\u0161\u00ed \u0161kodou, kterou v\u00a0dosavadn\u00ed historii poji\u0161\u0165ovna \u0159e\u0161ila, a\u00a0to jak co do po\u010dtu \u0161kod, tak i\u00a0do celkov\u00e9 v\u00fd\u0161e vyplacen\u00e9ho pojistn\u00e9ho pln\u011bn\u00ed. \u010cPP registruje p\u0159es 6 800 \u0161kod za zhruba 1,7 mld. K\u010d. Vy\u0159\u00edzeno je p\u0159es 85 % v\u0161ech \u0161kod.<\/p>\n<p><strong>TK \u010cPP, Erich Handl, Karl\u00edn<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u010cesk\u00e1 podnikatelsk\u00e1 poji\u0161\u0165ovna (\u010cPP) svolala 13. b\u0159ezna novin\u00e1\u0159e na tiskovku k v\u00fdvoji majetkov\u00e9ho poji\u0161t\u011bn\u00ed. Mezi&#8230;<\/p>\n","protected":false},"author":1,"featured_media":11679,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35,20],"tags":[],"class_list":["post-11677","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","category-tiskovky"],"_links":{"self":[{"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/posts\/11677","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=11677"}],"version-history":[{"count":2,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/posts\/11677\/revisions"}],"predecessor-version":[{"id":11680,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/posts\/11677\/revisions\/11680"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/media\/11679"}],"wp:attachment":[{"href":"https:\/\/www.automakers.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=11677"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=11677"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=11677"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}