How to insure good things and in the basement and on the terrace
Place insurance policies for the household may not be the household itself, thus permanently occupied and used flat. Under this policy is usually the insured and the cellar, chamber, or be a balcony or garage. It must, however, generally a non-lockable spaces used exclusively insured. You have to be in the same building as the insured dwelling or on land belonging to the building. “In certain cases it may be, although even at another location, but it must be directly referred to in the insurance contract,” notes an expert on insurance Ivo scarf from Generali. In the case of a family house, the condition of exclusive use of non-residential area of the insured, for example, according to insurance policy conditions Kooperativa not. Most large insurance companies have listed non-residential spaces will automatically be included in the right home insurance. For some, however, should be directly put into the contract. In negotiating the policy is therefore paid to verify that the premises and as to the dwelling insured because insurance companies are in the succession in this well in výlukách quite different.
What to do with uncertainty in insurance
Who is not sure that, whether a space or matter covered by the policy and how can a worker in the insurance request that showed him the relevant passage in the insurance conditions. Alternatively, you may be required and a written statement.
Household insurance covers damage in residential areas usually only to a certain (often only a small) percentage of the total cost of household insurance. For example, Kooperativa insurance company pays according to his spokesman Mark Vícha the stolen items from the basement just two percent of the total outstanding amount of households, while the damage caused by the insured elements (policy includes comprehensive insurance against natural disasters), then five percent. It is also the accessibility of the area. “The claim arising from matters stored in non-residential space, the performance of the insurer up to a maximum of 5% of the insured amount if the apartment is located in the residential house. In the case, however, the space that can be forcibly made available through the mesh or wooden laťovou construction and damage to the theft cases occurred, the insurer will provide performance up to 2% of insured amount, “says the special conditions for household insurance in Kooperativa.
Specialists at the call center to one of Prague’s branch Kooperativa also highlighted the need for high quality locking latch which is a classic example, which is easy to pull, no. Who has a household to be insured to 300 thousand crowns, for the good possibility of a secure cellar for his theft of money to get to 15,000 (5 percent of premiums). The owner of the classic wooden booth with the latch reaches the maximum to 6000 crowns (2 percent of premiums). According to spokesman Mark Vícha insurance, it is necessary that in the cellar cubicle and could not see in order to defend against the intrusion. Tissue for a late insurance according to the adequate protection.
Round and household insurance
The inhabitants of the Czech cities address the question “What about him?” Quite often. Cyclists, for example, in connection with the safe deposit of a bicycle. So often have difficulties when they wish to have your bike safely stored as well as insurance against theft. What saves it directly in the apartment, the majority of the charge less because there is the best round while most secured and insured. Who, however, to the velocipede not flat, it has a bit of bad luck. Zaparkuje If it on the balcony or terrace, in which a thief can get from neighbors or from the roof, perhaps it is none of the policy will not apply. Especially in the case that it is not clear whether the offender had to overcome any obstacle. The insurance may not cover or chained to the wheel lock in kočárkárně or oven (up to exceptions such as AXA, CPP). The only area that so most insurance covers the loss of the wheel outside the apartment, the cellar. Here is but a loss threatens most, especially when the cellar to see the booth. Insurance companies, moreover in these cases worse security cellar paid less insurance. But there are also special policies on bicycles (ČSOB undertaking CPP).
Various limits are also in the Czech insurance company: “The theft of stolen goods vloupáním, filled to the ceiling, depending on the security level offender overcome. If, for example, penetrated into the basement after vypáčil doors locked dozickým lock, may be the performance limit of up to 300 thousand crowns. When delivered with a lock hasp, the performance limit is 30 thousand crowns, “notes spokesman for the Czech insurance Václav Bálek. According to Ivo scarves from Generali can be said that the better security and implementation of building basement, the higher limit.
The differences in the performance of the damage in the cellars and the need for better security not only flat but also the basement, however, when negotiating a standard insurance policy does not. Clients, therefore, not often unaware that they are also interested in the following information and then have misconceptions about the amount of insurance coverage in the event of damage.
Insurance for non-residential premises, in this case the basement, under the household insurance also does not cover all subjects and all of the insurance risk. The lock are standard valuables, electronics, things extraordinary artistic or historical value, antiques and collectibles. Insurance companies also are generally the limit of the normal things in non-residential premises. If someone such limits do not, some insurance schemes is to allow the increase. Increasing the limit for non-residential premises should be in the Czech insurance company, according to Vaclav BALKE in the basic insurance for Prague 111 crowns, 58 crowns for the countryside.
The selected insurance companies home insurance sometimes extends to the case of non-residential premises located in the common parts of the house (that is used with other human beings, not just members poj.domácnosti) such as hallways, stairs, oven, kočárkárny (Czech Business Insurance Company). Likewise, in the Czech insurance company and insurance company Direct, where even recognized in the Czech Republic damage kočárcích and wheelchairs that are used for any purpose, without being locked in place insurance. For other insurance companies, however, is not common place kočárkárna insurance and damage are not insured event (Generali, insurance company ČSOB). For example, Generali but holds that if a member of the household child under three years old, the insured is a stroller in locked rooms designed for carriages in the house where the insured dwelling. Wheelchair is also insured in the joint house, but if it is chained to the solid parts of the house.
AXA insurance company according to its spokesman Marek Zeman performs untraditionally damage in case of loss of a bicycle from kočárkárny and even if it was not locked. Bicycle but must lock to another nepřemístitelnému object, such as the radiator, the condition that the thief had to overcome obstacles.
