D\u00f4sledn\u00e1 ochrana majetku vlastn\u00edkov bytov je jednou z prior\u00edt spr\u00e1vcov bytov\u00fdch domov zdru\u017een\u00fdch v ZBHS. Aj ke\u010f z\u00e1kon o vlastn\u00edctve bytov neuklad\u00e1 povinnos\u0165 bytov\u00e9 domy poisti\u0165, v\u00e4\u010d\u0161ina vlastn\u00edkov si uvedomuje rizik\u00e1 spojen\u00e9 so vznikom zna\u010dn\u00fdch \u0161k\u00f4d v d\u00f4sledku n\u00e1hodn\u00fdch, nepredv\u00eddate\u013en\u00fdch udalost\u00ed, a v\u00e4\u010d\u0161ina bytov\u00fdch domov je u\u017e dnes poisten\u00e1. Nie je v\u0161ak poistenie ako poistenie.<\/p>\n\n\n\n
U\u017e v roku 2011 Zdru\u017eenie bytov\u00e9ho hospod\u00e1rstva na Slovensku uzatvorilo so zmluvn\u00fdmi partnermi Allianz \u2013 Slovensk\u00e1 pois\u0165ov\u0148a, a.s. Bratislava a EuroFin Consulting, a.s. Pova\u017esk\u00e1 Bystrica dohodu o spolupr\u00e1ci pri poisten\u00ed majetku a zodpovednosti za \u0161kodu. S\u00fa\u010das\u0165ou tejto dohody s\u00fa aj exkluz\u00edvne podmienky pre poistenie bytov\u00fdch domov, ktor\u00e9 s\u00fa v spr\u00e1ve \u010dlensk\u00fdch organiz\u00e1ci\u00ed ZBHS. Na\u0161e \u010dlensk\u00e9 organiz\u00e1cie vykon\u00e1vaj\u00fa spr\u00e1vu viac ne\u017e 160 tis\u00edc bytov, a ZBHS je v s\u00fa\u010dasnosti druh\u00fdm najv\u00e4\u010d\u0161\u00edm profesn\u00fdm zdru\u017een\u00edm spr\u00e1vcov bytov\u00fdch domov na Slovensku. Aj z tohto d\u00f4vodu sa n\u00e1m podarilo dosiahnu\u0165 mimoriadne v\u00fdhodn\u00e9 podmienky pre poistenie bytov\u00fdch domov, pri\u010dom v spolupr\u00e1ci s na\u0161imi partnermi tieto podmienky pravidelne vyhodnocujeme a zlep\u0161ujeme. <\/p>\n\n\n\n
Vlastn\u00edci bytov v domoch, ktor\u00e9 s v spr\u00e1ve \u010dlenov ZBHS maj\u00fa nielen mo\u017enos\u0165 z\u00edska\u0165 za v\u00fdhodn\u00fdch podmienok poistn\u00fa ochranu pre bytov\u00fd dom vr\u00e1tane v\u0161etk\u00fdch bytov nebytov\u00fdch priestorov , stavebn\u00fdch s\u00fa\u010dast\u00ed , spolo\u010dn\u00fdch \u010dast\u00ed a spolo\u010dn\u00fdch zariaden\u00ed domu pri zoh\u013eadnen\u00ed aktu\u00e1lnej novej hodnoty domu, ale m\u00f4\u017eu si vybra\u0165 z celej \u0161k\u00e1ly pripoisten\u00ed: <\/p>\n\n\n\n
Roz\u0161\u00edrenie o pripoistenie stavebn\u00fdch a rekon\u0161truk\u010dn\u00fdch pr\u00e1c kryje \u0161kody, ak pr\u00ed\u010dina vzniku alebo ich zv\u00e4\u010d\u0161enie nastalo n\u00e1sledkom stavebn\u00fdch alebo rekon\u0161truk\u010dn\u00fdch pr\u00e1c na poistenej budove. Poistenie sa nevz\u0165ahuje na hnute\u013en\u00e9 veci. Doplnenie o zodpovednos\u0165 za \u0161kodu v s\u00favislosti s \u010dinnos\u0165ou v dom\u00e1cnosti, so starostlivos\u0165ou o dom\u00e1cnos\u0165, s veden\u00edm dom\u00e1cnosti alebo prev\u00e1dzkou zariadenia dom\u00e1cnosti roz\u0161iruje krytie o pr\u00edpady \u0161k\u00f4d ako s\u00fa vytopenie suseda pr\u00e1\u010dkou, um\u00fdva\u010dkou riadu, alebo prasknut\u00fdm akv\u00e1riom. Pripoistenie firemn\u00fdch \u0161t\u00edtov a povrchovej \u00fapravy zasklenia kryje veci umiestnen\u00e9 na vonkaj\u0161ej strane budovy, napr. reklamn\u00e9 tabule, vonkaj\u0161ie osvetlenie a podobne. Taktie\u017e sem spadaj\u00fa n\u00e1klady na \u0161peci\u00e1lnu povrchov\u00fa \u00fapravu zasklenia, napr. ma\u013eba, p\u00edsmo, lept, at\u010f. Kryt\u00e9 s\u00fa aj n\u00e1klady na proviz\u00f3rnu opravu zasklenia, n\u00e1klady na le\u0161enie, alebo pomocn\u00e9 prostriedky nutn\u00e9 na uskuto\u010dnenie opravy zasklenia. <\/p>\n\n\n\n
Doteraj\u0161ie, takmer 9-ro\u010dn\u00e9 sk\u00fasenosti zo spolupr\u00e1ce s na\u0161imi partnermi pri poisten\u00ed potvrdzuj\u00fa, \u017ee sme sa vybrali spr\u00e1vnou cestou a \u017ee z \u010dlenstva v ZBHS maj\u00fa pr\u00ednos nielen spr\u00e1vcovia bytov\u00fdch domov, ale aj samotn\u00ed vlastn\u00edci bytov a nebytov\u00fdch priestorov v nimi spravovan\u00fdch domoch. By\u0165 so siln\u00fdm sa skuto\u010dne oplat\u00ed. <\/p>\n\n\n\n
O zhodnotenie spolupr\u00e1ce so ZBHS sme po\u017eiadali Ing. Milana Holin\u010f\u00e1ka , ved\u00faceho oddelenia poistenia podnikate\u013eov Allianz \u2013 Slovensk\u00e1 pois\u0165ov\u0148a, a.s. (\u010falej len \u201eASP\u201c), Z jeho stanoviska vyber\u00e1me: <\/p>\n\n\n\n
\u201ePodmienky poistenia, ktor\u00e9 s\u00fa obsahom dohody uzatvorenej medzi ASP, ZBHS a EuroFin Consulting, a.s. s\u00fa pre vlastn\u00edkov bytov a nebytov\u00fdch priestorov, ale aj samotn\u00fdch \u010dlenov ZBHS v\u00fdnimo\u010dn\u00e9. ASP pri tvorbe tak\u00fdchto doh\u00f4d zoh\u013ead\u0148uje trhov\u00fd potenci\u00e1l, ktor\u00fd zmluvn\u00e1 strana deklaruje pri uzatvoren\u00ed dohody. Tento potenci\u00e1l bol zoh\u013eadnen\u00fd aj pri tvorbe dohody so ZBHS. Podmienky poistenia v dohod\u00e1ch so zdru\u017eeniami spr\u00e1vcov bytov\u00fdch domov, ktor\u00e9 nedosahuj\u00fa trhov\u00fd potenci\u00e1l ZBHS, preto nedosahuj\u00fa \u00farove\u0148 podmienok poistenia, ktor\u00e9 s\u00fa obsahom dohody so ZBHS. <\/p>\n\n\n\n
Osobitne je potrebn\u00e9 vyzdvihn\u00fa\u0165 vplyv samostatn\u00e9ho finan\u010dn\u00e9ho agenta EuroFin Consulting, a.s. na obsah dohody so ZBHS, ale aj poistenia bytov\u00fdch domov v SR v\u0161eobecne. T\u00e1to spolo\u010dnos\u0165 od za\u010diatku spolupr\u00e1ce priniesla do tohto projektu, ale aj v\u0161eobecne do poistenia bytov\u00fdch domov v SR, viacero podnetov, ktor\u00e9 v\u00fdznamne posunuli tento segment poistenia vpred, tak\u017ee si dovol\u00edm tvrdi\u0165, \u017ee kvalita poistenia bytov\u00fdch domov, na poistnom trhu v SR, prevy\u0161uje kvalitu tohto poistenia v r\u00e1mci regi\u00f3nu strednej Eur\u00f3py. Aktivity, ktor\u00e9 t\u00e1to spolo\u010dnos\u0165 vykon\u00e1va vo\u010di \u010dlenom ZBHS v tomto roku, boli konzultovan\u00e9 na p\u00f4de ASP a s\u00fa v\u00fdsledkom spolo\u010dnej strat\u00e9gie v poisten\u00ed bytov\u00fdch domov na poistnom trhu v SR.<\/p>\n\n\n\n
Na z\u00e1ver si dovol\u00edm poznamena\u0165, \u017ee ZBHS je pre ASP strategick\u00fd partner a tomu zodpoved\u00e1 aj kvalita poistenia, ktor\u00e1 je obsahom dohody ASP, ZBHS a EuroFin Consulting, a.s.\u201c.<\/p>\n","protected":false},"excerpt":{"rendered":"
D\u00f4sledn\u00e1 ochrana majetku vlastn\u00edkov bytov je jednou z prior\u00edt spr\u00e1vcov bytov\u00fdch domov zdru\u017een\u00fdch v ZBHS. Aj ke\u010f z\u00e1kon o vlastn\u00edctve bytov neuklad\u00e1 povinnos\u0165 bytov\u00e9 domy poisti\u0165, [\u2026]<\/span><\/p>\n","protected":false},"author":79,"featured_media":4151,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[],"_links":{"self":[{"href":"http:\/\/www.zbhs.sk\/index.php?rest_route=\/wp\/v2\/posts\/4154"}],"collection":[{"href":"http:\/\/www.zbhs.sk\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.zbhs.sk\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.zbhs.sk\/index.php?rest_route=\/wp\/v2\/users\/79"}],"replies":[{"embeddable":true,"href":"http:\/\/www.zbhs.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4154"}],"version-history":[{"count":3,"href":"http:\/\/www.zbhs.sk\/index.php?rest_route=\/wp\/v2\/posts\/4154\/revisions"}],"predecessor-version":[{"id":4157,"href":"http:\/\/www.zbhs.sk\/index.php?rest_route=\/wp\/v2\/posts\/4154\/revisions\/4157"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.zbhs.sk\/index.php?rest_route=\/wp\/v2\/media\/4151"}],"wp:attachment":[{"href":"http:\/\/www.zbhs.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4154"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.zbhs.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4154"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.zbhs.sk\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4154"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}