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[title] => NAKON POŽARA NA MIRINOVU Kolikim se odštetama mogu nadati vlasnici izgorjelih plovila i vozila i kako najlakše osigurati imovinu
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U požaru do kojeg je u četvrtak popodne došlo na predjelu Mirinovo u akvatoriju Rijeke dubrovačke u cjelosti ili većim dijelom izgorjela su dva osobna motorna vozila i čak pet plovila, od kojih su četiri u vlasništvu iste osobe. Protupožarni inspektor i službenici PU dubrovačko- neretvanske očevidom su utvrdili kako je požar izbio u prtljažniku zatvorenog kombi vozila u kojem se nalazila agregatska stanica sa spremnikom goriva zapremine 1000 litara, a služila je za mobilno i privremeno napajanje struje na agregatu.
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Uslijed kvara na nekvalitetno izvedenoj električnoj instalaciji, požar se u uvjetima visoke temperature i koncentracije lako hlapljivih zapaljivih tekućina brzo proširio na spomenuti spremnik goriva kao i na ostatak kombija, te potom na plovila koja su se nalazila u neposrednoj blizini, uslijed čega je nastala velika materijalna šteta.
Iako se kriminalističko istraživanje navedenog incidenta nastavlja, bio je to izvrstan povod da doznamo kako se vlasnici osobnih vozila i plovila mogu kvalitetno zaštititi od štete koja može nastati na sličan način.
Naravno, to se najlakše postiže osiguranjem imovine, a nakon kraćeg informiranja od nadležnih referenata u dubrovačkim poslovnicama ili središtima osiguravajućih kuća u metropoli, zapravo je iznenađujuća spoznaja s kako se relativno malo novca može osigurati imovina i posljedično, na taj način, vlasnik vrijedne imovine može biti kako- tako bezbrižan.
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Tako smo od direktora prodaje Euroherc Dubrovnik Boža Koprivice doznali da obaveznim osiguranjem vozila osiguranici štite svoju odgovornost za pričinjene štete trećim osobama i to za osobe do iznosa 46,7 milijuna, a za stvari 9,39 milijuna kuna":- Kod osiguranja plovila obaveznim osiguranjem pokrivaju svoju odgovornost prema kupačima.
Da bi se zaštitili od ovakvih neželjenih slučajeva vlasnici vozila i plovila bi trebali imati ugovoreno kasko- osiguranje, kojim je pokriveno i osiguranje od požara. Prilikom ugovaranja osiguranja plovila, vrlo je bitno ugovoriti i osiguranje od odgovornosti prema trećima, kako bi u slučaju širenja požara sa plovila osiguranika, bila pokrivena i šteta na drugim plovilima - kaže Koprivica.
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Posebno naglašava i sljedeće:
- Prilikom ugovaranja kasko- osiguranja vozila, novonabavna vrijednost vozila određuje iznos premije. Kod osiguranja plovila premija se određuje prema stvarnoj vrijednosti sukladno napravljenoj procjeni i zapisniku o stanju plovila, te popisu opreme. Naravno da je naša preporuka da građani osiguravaju svoju imovinu, kako pokretnine tako i nekretnine. Inače, stranke u novije vrijeme sve više traže osiguranje svojih stanova, kuća i apartmana uz uključeni rizik od potresa, a za naše iznajmljivače imamo poseban paket osiguranja koji pruža pokriće osiguranja gostiju i štete koju naprave iznajmljivačima te ev. nemogućnost iznajmljivanja za slučaj da nastupi neki od osiguranih rizika kao primjerice požar, izljev vode, poplava...
Iz Croatia osiguranju su rekli kako će odgovor poslati u roku 15 dana, dok su iz Wiener Städtische osiguranja odgovorili kako premija plovila ovisi o tome je li riječ o čamcu, brodici, jahti ili jedrilici te namjeni, snazi motora, opremi, godištu te uključenim pokrićima te u ovisnosti od svih parametara može dosta varirati. Također, odgovorili su kako je vrijednost predmeta osiguranja samo jedan od parametara koji se uzima u obzir pri formiranju cijene, a slična je situacija i s kasko premijom za vozila.
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U požaru do kojeg je u četvrtak popodne došlo na predjelu Mirinovo u akvatoriju Rijeke dubrovačke u cjelosti ili većim dijelom izgorjela su dva osobna motorna vozila i čak pet plovila, od kojih su četiri u vlasništvu iste osobe. Protupožarni inspektor i službenici PU dubrovačko- neretvanske očevidom su utvrdili kako je požar izbio u prtljažniku zatvorenog kombi vozila u kojem se nalazila agregatska stanica sa spremnikom goriva zapremine 1000 litara, a služila je za mobilno i privremeno napajanje struje na agregatu.
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Uslijed kvara na nekvalitetno izvedenoj električnoj instalaciji, požar se u uvjetima visoke temperature i koncentracije lako hlapljivih zapaljivih tekućina brzo proširio na spomenuti spremnik goriva kao i na ostatak kombija, te potom na plovila koja su se nalazila u neposrednoj blizini, uslijed čega je nastala velika materijalna šteta.
Iako se kriminalističko istraživanje navedenog incidenta nastavlja, bio je to izvrstan povod da doznamo kako se vlasnici osobnih vozila i plovila mogu kvalitetno zaštititi od štete koja može nastati na sličan način.
Naravno, to se najlakše postiže osiguranjem imovine, a nakon kraćeg informiranja od nadležnih referenata u dubrovačkim poslovnicama ili središtima osiguravajućih kuća u metropoli, zapravo je iznenađujuća spoznaja s kako se relativno malo novca može osigurati imovina i posljedično, na taj način, vlasnik vrijedne imovine može biti kako- tako bezbrižan.
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Tako smo od direktora prodaje Euroherc Dubrovnik Boža Koprivice doznali da obaveznim osiguranjem vozila osiguranici štite svoju odgovornost za pričinjene štete trećim osobama i to za osobe do iznosa 46,7 milijuna, a za stvari 9,39 milijuna kuna":- Kod osiguranja plovila obaveznim osiguranjem pokrivaju svoju odgovornost prema kupačima.
Da bi se zaštitili od ovakvih neželjenih slučajeva vlasnici vozila i plovila bi trebali imati ugovoreno kasko- osiguranje, kojim je pokriveno i osiguranje od požara. Prilikom ugovaranja osiguranja plovila, vrlo je bitno ugovoriti i osiguranje od odgovornosti prema trećima, kako bi u slučaju širenja požara sa plovila osiguranika, bila pokrivena i šteta na drugim plovilima - kaže Koprivica.
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Posebno naglašava i sljedeće:
- Prilikom ugovaranja kasko- osiguranja vozila, novonabavna vrijednost vozila određuje iznos premije. Kod osiguranja plovila premija se određuje prema stvarnoj vrijednosti sukladno napravljenoj procjeni i zapisniku o stanju plovila, te popisu opreme. Naravno da je naša preporuka da građani osiguravaju svoju imovinu, kako pokretnine tako i nekretnine. Inače, stranke u novije vrijeme sve više traže osiguranje svojih stanova, kuća i apartmana uz uključeni rizik od potresa, a za naše iznajmljivače imamo poseban paket osiguranja koji pruža pokriće osiguranja gostiju i štete koju naprave iznajmljivačima te ev. nemogućnost iznajmljivanja za slučaj da nastupi neki od osiguranih rizika kao primjerice požar, izljev vode, poplava...
Iz Croatia osiguranju su rekli kako će odgovor poslati u roku 15 dana, dok su iz Wiener Städtische osiguranja odgovorili kako premija plovila ovisi o tome je li riječ o čamcu, brodici, jahti ili jedrilici te namjeni, snazi motora, opremi, godištu te uključenim pokrićima te u ovisnosti od svih parametara može dosta varirati. Također, odgovorili su kako je vrijednost predmeta osiguranja samo jedan od parametara koji se uzima u obzir pri formiranju cijene, a slična je situacija i s kasko premijom za vozila.
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[published] => 1
[ordering] => 18
[alias] => related_on_bottom
)
[16] => stdClass Object
(
[id] => 79
[name] => Live button
[value] => OFF
[type] => radio
[group] => 9
[published] => 1
[ordering] => 19
[alias] => live_button
)
[25] => stdClass Object
(
[id] => 87
[name] => Instant articles
[value] => OFF
[type] => radio
[group] => 9
[published] => 1
[ordering] => 28
[alias] => instant_articles
)
[26] => stdClass Object
(
[id] => 91
[name] => S preporučuje
[value] => OFF
[type] => radio
[group] => 9
[published] => 1
[ordering] => 29
[alias] => s_preporucuje
)
[27] => stdClass Object
(
[id] => 92
[name] => S voli
[value] => OFF
[type] => radio
[group] => 9
[published] => 1
[ordering] => 30
[alias] => s_voli
)
[28] => stdClass Object
(
[id] => 93
[name] => Layout with three photos
[value] => OFF
[type] => radio
[group] => 9
[published] => 1
[ordering] => 31
[alias] => layout_with_three_photos
)
[29] => stdClass Object
(
[id] => 94
[name] => Gallery in the article
[value] => OFF
[type] => radio
[group] => 9
[published] => 1
[ordering] => 32
[alias] => gallery_in_the_article
)
[30] => stdClass Object
(
[id] => 95
[name] => Required views
[value] => 0
[type] => textfield
[group] => 9
[published] => 1
[ordering] => 33
[alias] => required_views
)
[31] => stdClass Object
(
[id] => 96
[name] => FullHD image
[value] => OFF
[type] => radio
[group] => 9
[published] => 1
[ordering] => 34
[alias] => fullhd_image
)
[32] => stdClass Object
(
[id] => 98
[name] => Paid Article
[value] => OFF
[type] => radio
[group] => 9
[published] => 1
[ordering] => 36
[alias] => paid_article
)
)
14. svibanj 2024 06:37
