{"id":550,"date":"2023-11-28T11:37:23","date_gmt":"2023-11-28T11:37:23","guid":{"rendered":"https:\/\/www.automakers.cz\/?p=550"},"modified":"2023-11-28T11:37:23","modified_gmt":"2023-11-28T11:37:23","slug":"uniqa-skody-na-sklech-aut-stoupaji","status":"publish","type":"post","link":"https:\/\/www.automakers.cz\/?p=550","title":{"rendered":"UNIQA: \u0160kody na sklech aut stoupaj\u00ed"},"content":{"rendered":"<p><strong>Dynamick\u00fd v\u00fdvoj \u0161kodn\u00ed inflace u poji\u0161t\u011bn\u00ed aut lze ilustrovat i na pojistn\u00fdch ud\u00e1lostech t\u00fdkaj\u00edc\u00edch se \u010deln\u00edch skel na vozidlech. Podle statistik UNIQA stoupla hodnota pr\u016fm\u011brn\u00e9 vy\u0159izovan\u00e9 \u0161kody tohoto druhu za posledn\u00edch p\u011bt let o polovinu. Rozbit\u00fdch autoskel rovn\u011b\u017e p\u0159ibylo: mezi rokem 2018 a 2022 byl v\u00a0UNIQA zaregistrov\u00e1n p\u0159\u00edr\u016fstek po\u010dtu na v\u00edce ne\u017e trojn\u00e1sobek. <\/strong><!--more--><\/p>\n<p>V\u00a0obdob\u00ed 2018 a\u017e 2022 vyplatila UNIQA poji\u0161t\u011bn\u00fdm motorist\u016fm za \u0161kody na autosklech celkem 622 milion\u016f korun, kdy\u017e vy\u0159\u00eddila celkem p\u0159es 60\u00a0000 takov\u00fdch pojistn\u00fdch ud\u00e1lost\u00ed. Za leto\u0161n\u00ed rok \u010din\u00ed zat\u00edmn\u00ed \u00fa\u010det dal\u0161\u00edch 255 milion\u016f korun a 21\u00a0000 pojistn\u00fdch ud\u00e1lost\u00ed (do konce \u0159\u00edjna). Je\u0161t\u011b v\u00a0letech 2018 a\u017e 2020 se ro\u010dn\u00ed n\u00e1klady UNIQA na v\u00fdm\u011bnu a opravu autoskel pohybovaly ve vy\u0161\u0161\u00edch des\u00edtk\u00e1ch milion\u016f korun ro\u010dn\u011b; od roku 2021 se u\u017e po\u010d\u00edtaj\u00ed na stamiliony. Kmen smluv na p\u0159ipoji\u0161t\u011bn\u00ed skel p\u0159itom ve sledovan\u00e9m obdob\u00ed 2018 a\u017e 2022 narostl o 87 % (a to i d\u00edky f\u00fazi UNIQA se spole\u010dnostmi AXA v\u00a0roce 2021). Po\u010det \u0161kod ov\u0161em mezit\u00edm stoupal mnohem strm\u011bji (za 5 let na v\u00edce ne\u017e trojn\u00e1sobek).<\/p>\n<p><em>\u201eSv\u011bt automobilov\u00fdch skel se m\u011bn\u00ed. Zat\u00edmco nap\u0159\u00edklad p\u0159ed 10-15 lety bylo \u010deln\u00ed sklo v\u011bt\u0161iny vozidel mo\u017en\u00e1 t\u00f3novan\u00e9 nebo s\u00a0tmav\u0161\u00edm pruhem proti slunci, dnes je b\u011b\u017en\u011b vybaven\u00e9 senzory, kamerami a v\u00fdh\u0159evem, a to i u \u0159ady b\u011b\u017en\u00fdch model\u016f st\u0159edn\u00ed nebo ni\u017e\u0161\u00ed st\u0159edn\u00ed t\u0159\u00eddy. Senzory je pot\u0159eba p\u0159i v\u00fdm\u011bn\u011b sejmout, znovu je pak na nov\u00e9 sklo p\u0159ipevnit, elektrickou kabel\u00e1\u017e k\u00a0v\u00fdh\u0159evu rozpojit, kamery po v\u00fdm\u011bn\u011b znovu kalibrovat tak, aby plnily svoji funkci tak jak maj\u00ed. Sklo s\u00a0v\u00fdh\u0159evem ve stejn\u00e9m rozm\u011bru a kvalit\u011b je pak \u0159\u00e1dov\u011b dra\u017e\u0161\u00ed ne\u017e sklo bez v\u00fdh\u0159evu. V\u00a0r\u00e1mci t\u00f3nov\u00e1n\u00ed nab\u00edz\u00ed v\u00fdrobci sungate vrstvy, \u201epokoven\u00ed\u201c skel s\u00a0modrofialov\u00fdmi odlesky atp. Z\u00a0toho v\u0161eho je patrn\u00e9, jak sofistikovanou sou\u010d\u00e1st\u00ed se \u010deln\u00ed skla stala,\u201c<\/em> komentoval v\u00fdvoj a r\u016fst hodnoty Ji\u0159\u00ed Moravec, mana\u017eer \u0161kod na vozidlech UNIQA.<\/p>\n<p>Velk\u00fd meziro\u010dn\u00ed r\u016fst pln\u011bn\u00ed zaznamenala UNIQA v\u00a0minul\u00e9m a p\u0159edminul\u00e9m roce. Zde se do cen n\u00e1hradn\u00edch d\u00edl\u016f propisovaly i rychle rostouc\u00ed n\u00e1klady na energie ve specializovan\u00fdch skl\u00e1rn\u00e1ch. Do v\u00fd\u0161e \u0161kody promlouvaly i vy\u0161\u0161\u00ed mzdy v\u00a0servisech a n\u00e1klady na dopravu. <em>\u201eV\u00fdrobci rovn\u011b\u017e zv\u011bt\u0161uj\u00ed prosklen\u00e9 plochy na autech. A popul\u00e1rn\u00ed jsou robustn\u00ed SUV s\u00a0velkorys\u00fdmi skly,\u201c <\/em>p\u0159ipom\u00edn\u00e1 dal\u0161\u00ed faktor Ji\u0159\u00ed Moravec z\u00a0UNIQA.<\/p>\n<p><strong>Nejdra\u017e\u0161\u00ed \u0161kody<\/strong><\/p>\n<p>Tradi\u010dn\u011b nejdra\u017e\u0161\u00ed autoskla se hrad\u00ed p\u0159i \u0161kod\u00e1ch na autobusech a na obytn\u00fdch vozech. Ze statistik UNIQA vypl\u00fdv\u00e1, \u017ee nap\u0159\u00edklad vy\u0159izovala \u0161kodu na \u010deln\u00edm skle autobusu MAN ve v\u00fd\u0161i bezm\u00e1la 202\u00a0000 korun, pop\u0159\u00edpad\u011b na autobusu Astron Vanhool ve v\u00fd\u0161i 140\u00a0000 korun. P\u0159edn\u00ed sklo na obytn\u00fd v\u016fz Hymer H1 st\u00e1lo 155\u00a0000 korun, na Iveco Liner 138\u00a0000 korun.<\/p>\n<p>\u201eKr\u00e1lem\u201c posledn\u00edch let je ov\u0161em Rolls Royce Wraith, jeho\u017e nov\u00e9 \u010deln\u00ed sklo st\u00e1lo UNIQA v\u00a0roce 2022 bezm\u00e1la 221\u00a0000 korun. Vysok\u00e9 \u010d\u00e1stky propl\u00e1cela UNIQA rovn\u011b\u017e za velk\u00e1 SUV, nap\u0159\u00edklad 149\u00a0000 korun za Mitsubishi, 129\u00a0000 korun za BMW X5 nebo 102\u00a0000 korun za Hyundai Santa Fe.<\/p>\n<p>V\u00a0leto\u0161n\u00edm roce znovu mezi osobn\u00edmi vozy dominuj\u00ed SUV, hlavn\u011b Mercedes, Kia, BMW, Hyundai nebo Mitsubishi a Land Rover. Pro srovn\u00e1n\u00ed: v\u00fdm\u011bna b\u011b\u017en\u00e9ho \u010deln\u00edho skla \u0160kody Octavia stoj\u00ed aktu\u00e1ln\u011b zpravidla cca 9\u00a0000 a\u017e 11\u00a0000 korun, u \u0160kody Fabia 4\u00a0000 a\u017e 6\u00a0000 korun. I u t\u011bchto aut ale ceny za posledn\u00ed 3 roky vzrostly asi o 10 %.<\/p>\n<p><strong>N\u011bmci hl\u00e1s\u00ed podobn\u00fd trend rostouc\u00edch pln\u011bn\u00ed<\/strong><\/p>\n<p>U z\u00e1padn\u00edch soused\u016f bylo loni rozbit\u00ed skla op\u011bt nejen nej\u010dast\u011bj\u0161\u00ed p\u0159\u00ed\u010dinou pojistn\u00fdch ud\u00e1lost\u00ed, ale pro poji\u0161\u0165ovny tak\u00e9 nejdra\u017e\u0161\u00edm podn\u011btem pro pln\u011bn\u00ed n\u00e1roku. Vypl\u00fdv\u00e1 to z\u00a0informac\u00ed zve\u0159ejn\u011bn\u00fdch lok\u00e1ln\u00ed asociac\u00ed poji\u0161\u0165oven GDV.<\/p>\n<p>V\u00fdplaty zde \u010dinily za rok 2022 p\u0159ibli\u017en\u011b 1,49 miliardy EUR. Pokra\u010doval trend zvy\u0161ov\u00e1n\u00ed n\u00e1klad\u016f na vy\u0159\u00edzen\u00ed \u0161kod tohoto druhu. N\u00e1r\u016fst o n\u011bco m\u00e1lo p\u0159es 4 % v\u0161ak nebyl ani z poloviny tak dynamick\u00fd jako v p\u0159edchoz\u00edm roce 2021.<\/p>\n<p>V\u00a0N\u011bmecku ale sledujeme v\u00a0porovn\u00e1n\u00ed s\u00a0\u010ceskem jeden z\u00e1sadn\u00ed rozd\u00edl: po\u010det p\u0159\u00edpad\u016f se loni sn\u00ed\u017eil ji\u017e pop\u00e1t\u00e9 za posledn\u00edch 6 let. Sou\u010det lo\u0148sk\u00fdch ud\u00e1lost\u00ed tohoto druhu propadl na druhou nejni\u017e\u0161\u00ed \u00farove\u0148, p\u0159i\u010dem\u017e ale celkov\u00e1 v\u00fd\u0161e vyplacen\u00fdch pojistn\u00fdch pln\u011bn\u00ed za tyto \u0161kody dos\u00e1hla naopak nejvy\u0161\u0161\u00ed \u00farovn\u011b od roku 2006. V roce 2010 museli pojistitel\u00e9 aut vy\u0159\u00eddit o v\u00edce ne\u017e t\u0159etinu v\u00edce pojistn\u00fdch ud\u00e1lost\u00ed zp\u016fsoben\u00fdch rozbit\u00edm skla na vozidle. Pr\u016fm\u011brn\u00e9 n\u00e1klady poji\u0161\u0165oven v\u00a0N\u011bmecku nad\u00e1le rostly z tehdej\u0161\u00edch zhruba 450 EUR na lo\u0148sk\u00fdch kone\u010dn\u00fdch v\u00edce ne\u017e 750 EUR.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dynamick\u00fd v\u00fdvoj \u0161kodn\u00ed inflace u poji\u0161t\u011bn\u00ed aut lze ilustrovat i na pojistn\u00fdch ud\u00e1lostech t\u00fdkaj\u00edc\u00edch se&#8230;<\/p>\n","protected":false},"author":2,"featured_media":551,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-550","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-statistika"],"_links":{"self":[{"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/posts\/550","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\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=550"}],"version-history":[{"count":2,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/posts\/550\/revisions"}],"predecessor-version":[{"id":553,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/posts\/550\/revisions\/553"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/media\/551"}],"wp:attachment":[{"href":"https:\/\/www.automakers.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=550"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=550"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=550"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}