[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.aquavita.cz\/chyby-v-nasich-jistotach\/#Article","mainEntityOfPage":"https:\/\/www.aquavita.cz\/chyby-v-nasich-jistotach\/","headline":"Chyby v na\u0161ich jistot\u00e1ch","name":"Chyby v na\u0161ich jistot\u00e1ch","description":"Jsme zd\u00e1nliv\u011b rozumn\u00ed lid\u00e9. Co\u017e se projevuje t\u00edm, \u017ee uzav\u00edr\u00e1me pojistky pro p\u0159\u00edpad, \u017ee by se n\u00e1hodou stalo to \u010di ono. Poji\u0161\u0165ujeme se pro p\u0159\u00edpad kde\u010deho, jenom abychom m\u011bli nad\u011bji, \u017ee n\u011bjak p\u0159e\u010dk\u00e1me tu tu a tu onu nep\u0159\u00edjemnost, pohromu, ne-li p\u0159\u00edmo ne\u0161t\u011bst\u00ed. Ov\u0161em a\u010d jsme pr\u00fd t\u00edmto v podstat\u011b inteligentn\u00ed, jsem v tomt\u00e9\u017e z\u00e1rove\u0148 nejednou i […]","datePublished":"2023-05-06","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.aquavita.cz\/author\/#Person","name":"","url":"https:\/\/www.aquavita.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/014a645f9f16d49aceddb25e316448c724bd78e7db0ee7a34c29417d5ca39ef1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/014a645f9f16d49aceddb25e316448c724bd78e7db0ee7a34c29417d5ca39ef1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"aquavita.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.aquavita.cz\/wp-content\/uploads\/img_a336622_w2639_t1549988794.jpg","url":"https:\/\/www.aquavita.cz\/wp-content\/uploads\/img_a336622_w2639_t1549988794.jpg","height":0,"width":0},"url":"https:\/\/www.aquavita.cz\/chyby-v-nasich-jistotach\/","about":["Finance"],"wordCount":544,"articleBody":"Jsme zd\u00e1nliv\u011b rozumn\u00ed lid\u00e9. Co\u017e se projevuje t\u00edm, \u017ee uzav\u00edr\u00e1me pojistky pro p\u0159\u00edpad, \u017ee by se n\u00e1hodou stalo to \u010di ono. Poji\u0161\u0165ujeme se pro p\u0159\u00edpad kde\u010deho, jenom abychom m\u011bli nad\u011bji, \u017ee n\u011bjak p\u0159e\u010dk\u00e1me tu tu a tu onu nep\u0159\u00edjemnost, pohromu, ne-li p\u0159\u00edmo ne\u0161t\u011bst\u00ed.\tOv\u0161em a\u010d jsme pr\u00fd t\u00edmto v podstat\u011b inteligentn\u00ed, jsem v tomt\u00e9\u017e z\u00e1rove\u0148 nejednou i hloup\u00ed. A to proto, \u017ee se nepoji\u0161\u0165ujeme zrovna ide\u00e1ln\u011b.\t \tT\u00fdk\u00e1 se to \u00fadajn\u011b nap\u0159\u00edklad p\u0159\u00edli\u0161 vysok\u00e9 pojistky za na\u0161e plechov\u00e9 mil\u00e1\u010dky, tedy automobily.\tTr\u017en\u00ed cena automobilu se pr\u00fd ro\u010dn\u011b sni\u017euje obvykle o n\u011bjak\u00fdch deset procent, u nov\u00fdch voz\u016f v prvn\u00edch letech dokonce o procent dvacet, ale my i p\u0159esto plat\u00edme st\u00e1le stejn\u00e9 pojistn\u00e9 jako na po\u010d\u00e1tku, a\u010d by bylo mnohem v\u00fdhodn\u011bj\u0161\u00ed pojistn\u00e9 sn\u00ed\u017eit nebo dokonce vypov\u011bd\u011bt starou smlouvu a nahradit ji novou, odpov\u00eddaj\u00edc\u00ed aktu\u00e1ln\u00ed hodnot\u011b vozidla.\t\tPoji\u0161\u0165ovny by pr\u00fd m\u011bly na tuto mo\u017enost sv\u00e9 klienty upozor\u0148ovat samy, je ale naprosto pochopiteln\u00e9, \u017ee tak automaticky ne\u010din\u00ed. Byly by p\u0159ece samy proti sob\u011b, p\u0159ipravovaly by se o p\u0159\u00edjmy. A \u010ce\u0161i tak p\u0159ich\u00e1zej\u00ed zbyte\u010dn\u011b i o tis\u00edce ro\u010dn\u011b.\tSt\u00e1vaj\u00ed se v\u0161ak i p\u0159\u00edpady opa\u010dn\u00e9, kdy \u010dlov\u011bk pro zm\u011bnu plat\u00ed ni\u017e\u0161\u00ed pojistn\u00e9, ne\u017e by m\u011bl, a proto nakonec m\u016f\u017ee splakat nad v\u00fdd\u011blkem, kdy\u017e zjist\u00ed, \u017ee mu kv\u016fli podpoji\u0161t\u011bn\u00ed nebude proplacena cel\u00e1 vznikl\u00e1 \u0161koda.\tA tak se pr\u00fd u n\u00e1s ro\u010dn\u011b vybere na havarijn\u00edm poji\u0161t\u011bn\u00ed vozidel a povinn\u00e9m ru\u010den\u00ed asi \u010dty\u0159icet miliard korun, co\u017e je o p\u0159inejmen\u0161\u00edm p\u011bt miliard v\u00edce, ne\u017e by to spr\u00e1vn\u011b mohlo b\u00fdt.\tA aby toho nebylo m\u00e1lo, nejednou my \u010ce\u0161i v tomto ohledu prohloup\u00edme i t\u00edm, \u017ee nedostate\u010dn\u011b rychle reagujeme; tak\u017ee n\u011bkter\u00e9 poji\u0161\u0165ovny nal\u00e1kaj\u00ed nov\u00e9ho klienta na ak\u010dn\u00ed cenu, ji\u017e pak ale pro dal\u0161\u00ed obdob\u00ed zv\u00fd\u0161\u00ed a my u\u017e nestihneme zareagovat a zm\u011bnit to.\t \tPodobn\u011b, ale pr\u00e1v\u011b opa\u010dn\u011b, je tomu u poji\u0161t\u011bn\u00ed nemovitost\u00ed. Ty na cen\u011b naopak z\u00edsk\u00e1vaj\u00ed, ov\u0161em my nejednou nezvy\u0161ujeme pojistku. A pak se nesta\u010d\u00edme divit, jak m\u00e1lo je n\u00e1m v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti vyplaceno. M\u011bli bychom si p\u0159ipl\u00e1cet nebo hledat lep\u0161\u00ed produkty, ale ne\u010din\u00edme tak, ke sv\u00e9 vlastn\u00ed \u0161kod\u011b.\t \tA stejn\u00ed lajd\u00e1ci jsme i u \u017eivotn\u00edch pojistek, je\u017e nejednou nech\u00e1v\u00e1me po dlouh\u00e1 l\u00e9ta na star\u00e9 a tud\u00ed\u017e n\u00edzk\u00e9 a st\u00e1le ni\u017e\u0161\u00ed \u00farovni. Tak\u017ee je vlastn\u011b hodnota na\u0161eho \u017eivota ni\u017e\u0161\u00ed a ni\u017e\u0161\u00ed.\t \tJsme prost\u011b takov\u00ed a nepolep\u0161iteln\u00ed. A \u00fapln\u011b nejhor\u0161\u00ed jsme v ot\u00e1zce z\u0159ejm\u011b neexistuj\u00edc\u00edho poji\u0161t\u011bn\u00ed proti politick\u00e9 hlouposti a naivit\u011b. Proto\u017ee kdybychom byli dob\u0159e poji\u0161t\u011bni v tomto ohledu, byli bychom n\u00e1rodem miliard\u00e1\u0159\u016f.                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Chyby v na\u0161ich jistot\u00e1ch","item":"https:\/\/www.aquavita.cz\/chyby-v-nasich-jistotach\/#breadcrumbitem"}]}]