Z\u00e1v\u011br<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\nV n\u00e1kladn\u00ed doprav\u011b by se m\u011bla v\u011bnovat v\u011bt\u0161\u00ed pozornost ot\u00e1zk\u00e1m poji\u0161t\u011bn\u00ed, proto\u017ee hraj\u00ed v\u00fdznamnou roli. Poji\u0161t\u011bn\u00ed je sice nutnost\u00ed pro kryt\u00ed rizik, ale v\u011bt\u0161ina spole\u010dnost\u00ed denn\u011b p\u0159epravuje sv\u016fj n\u00e1klad, ani\u017e by byla poji\u0161t\u011bna. V\u00e1h\u00e1n\u00ed s poji\u0161t\u011bn\u00edm n\u00e1kladu b\u011bhem n\u00e1kladn\u00ed p\u0159epravy je zp\u016fsobeno t\u00edm, \u017ee \u017e\u00e1dn\u00e1 legislativa ani p\u0159edpisy z n\u011bj ne\u010din\u00ed absolutn\u00ed nutnost. I kdy\u017e v\u00e1m nesjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed m\u016f\u017ee u\u0161et\u0159it pen\u00edze, v p\u0159\u00edpad\u011b nehody v\u00e1s to bude st\u00e1t v\u00edce.<\/p>\n\n\n\n
Dovozci by m\u011bli zv\u00e1\u017eit poji\u0161t\u011bn\u00ed sv\u00fdch n\u00e1kladn\u00edch kontejner\u016f, aby se ochr\u00e1nili p\u0159ed riziky p\u0159i p\u0159eprav\u011b. To je tak\u00e9 ochr\u00e1n\u00ed p\u0159ed spedit\u00e9ry, kte\u0159\u00ed odm\u00edtaj\u00ed p\u0159ijmout jejich n\u00e1klad v obav\u011b, \u017ee by na sebe vzali odpov\u011bdnost za nepoji\u0161t\u011bn\u00fd n\u00e1klad. Poji\u0161t\u011bn\u00ed n\u00e1kladu tak m\u016f\u017ee dovozce ochr\u00e1nit p\u0159ed p\u0159\u00edpadn\u00fdmi finan\u010dn\u00edmi ztr\u00e1tami.<\/p>\n\n\n\n
A\u010dkoli hlavn\u00ed obavou je, \u017ee n\u00e1klady na poji\u0161t\u011bn\u00ed n\u00e1kladu jsou obvykle vysok\u00e9, mo\u017en\u00e1 v\u00e1s p\u0159ekvap\u00ed, \u017ee je n\u00e1kladov\u011b efektivn\u00ed. \u010c\u00e1ste\u010dn\u011b je to proto, \u017ee poji\u0161t\u011bn\u00ed n\u00e1kladu je \u010dasto procentem z celkov\u00e9 hodnoty zbo\u017e\u00ed v n\u00e1kladu.<\/p>\n\n\n\n
Nicm\u00e9n\u011b tyto n\u00e1klady se mohou m\u011bnit, proto\u017ee se odv\u00edjej\u00ed od jednotliv\u00fdch p\u0159\u00edpad\u016f v z\u00e1vislosti na r\u016fzn\u00fdch faktorech. Proto mohou b\u00fdt n\u00e1klady na poji\u0161t\u011bn\u00ed n\u00e1kladu na z\u00e1klad\u011b va\u0161ich pot\u0159eb a n\u00e1kladu pom\u011brn\u011b p\u0159ijateln\u00e9.<\/p>\n\n\n\n
Poji\u0161t\u011bn\u00ed n\u00e1kladu<\/h2>\n\n\n\n V\u011bt\u0161ina dopravc\u016f nab\u00edz\u00ed sv\u00fdm klient\u016fm standardn\u00ed pojistnou ochranu, nicm\u00e9n\u011b poji\u0161t\u011bn\u00ed n\u00e1kladu je ur\u010deno k zaji\u0161t\u011bn\u00ed dodate\u010dn\u00e9 ochrany. Poji\u0161t\u011bn\u00ed n\u00e1kladu se toti\u017e vztahuje na p\u0159epravu zbo\u017e\u00ed po mo\u0159i nebo po silnici a lze jej zakoupit u dopravce nebo u poji\u0161\u0165ovny t\u0159et\u00ed strany.<\/p>\n\n\n\nV ide\u00e1ln\u00edm p\u0159\u00edpad\u011b, pokud m\u00e1 odes\u00edlatel poji\u0161t\u011bn\u00ed n\u00e1kladu, m\u016f\u017ee b\u00fdt od\u0161kodn\u011bn za p\u0159\u00edpadnou ztr\u00e1tu nebo po\u0161kozen\u00ed b\u011bhem p\u0159epravy. Pokud v\u0161ak odes\u00edlatel nem\u00e1 poji\u0161t\u011bn\u00ed n\u00e1kladu, mus\u00ed n\u00e9st ve\u0161ker\u00e9 n\u00e1klady ze ztr\u00e1ty nebo po\u0161kozen\u00ed n\u00e1kladu.<\/p>\n\n\n\n
Jako odes\u00edlatel m\u016f\u017eete sn\u00ed\u017eit n\u00e1klady na n\u00e1hradu \u0161kody, pokud prok\u00e1\u017eete, \u017ee dopravce pochybil, a\u010dkoli soudn\u00ed \u0159\u00edzen\u00ed m\u016f\u017ee b\u00fdt \u010dasov\u011b i finan\u010dn\u011b n\u00e1ro\u010dn\u00e9. Pokud se nav\u00edc jedn\u00e1 o mezin\u00e1rodn\u00ed p\u0159epravu, m\u016f\u017ee b\u00fdt tento proces je\u0161t\u011b slo\u017eit\u011bj\u0161\u00ed.<\/p>\n\n\n\n
Poji\u0161t\u011bn\u00ed n\u00e1kladu se m\u016f\u017ee hodit tak\u00e9 v p\u0159\u00edpad\u011b, \u017ee je odpov\u011bdnost dopravce omezena. Ud\u00e1losti, kter\u00e9 jsou p\u0159irozen\u011b mimo kontrolu dopravce, jako jsou p\u0159\u00edrodn\u00ed katastrofy, z\u00e1sahy vy\u0161\u0161\u00ed moci, z\u00e1plavy, hurik\u00e1ny a zem\u011bt\u0159esen\u00ed, jsou obvykle z jeho odpov\u011bdnosti vylou\u010deny. Poji\u0161t\u011bn\u00ed n\u00e1kladu v\u0161ak m\u016f\u017ee nab\u00eddnout kryt\u00ed, kter\u00e9 se na takov\u00e9 ud\u00e1losti vztahuje. N\u00e1hradu \u0161kody m\u016f\u017eete vyu\u017e\u00edt k z\u00edsk\u00e1n\u00ed n\u00e1kladu ztracen\u00e9ho b\u011bhem jak\u00e9koli p\u0159\u00edrodn\u00ed katastrofy nebo \u017eiveln\u00e9 pohromy.<\/p>\n\n\n\n
Poji\u0161t\u011bn\u00ed n\u00e1kladu se nav\u00edc m\u016f\u017ee hodit proti b\u011b\u017en\u00fdm ztr\u00e1t\u00e1m b\u011bhem p\u0159epravy, jako jsou \u00fatoky pir\u00e1t\u016f nebo d\u00e1lni\u010dn\u00edch lupi\u010d\u016f. To znamen\u00e1, \u017ee v p\u0159\u00edpad\u011b ztr\u00e1t m\u016f\u017eete uplatnit n\u00e1rok na n\u00e1hradu \u0161kody p\u0159\u00edmo u poji\u0161\u0165ovny, a nikoli u odes\u00edlatele. Z\u00edsk\u00e1n\u00ed od\u0161kodn\u011bn\u00ed je tak jednodu\u0161\u0161\u00ed ne\u017e zapojen\u00ed do dlouh\u00fdch soudn\u00edch proces\u016f.<\/p>\n\n\n\n
Dal\u0161\u00edmi aspekty, kter\u00e9 by bylo nejlep\u0161\u00ed zv\u00e1\u017eit p\u0159i sjedn\u00e1v\u00e1n\u00ed poji\u0161t\u011bn\u00ed n\u00e1kladu, jsou specifikace povahy n\u00e1kladu, p\u0159ed \u010d\u00edm chcete n\u00e1klad chr\u00e1nit a doba poji\u0161t\u011bn\u00ed. Nejlep\u0161\u00ed je pojistit z\u00e1silku od nakl\u00e1dky a\u017e po vykl\u00e1dku p\u0159epravy.<\/p>\n\n\n\n
N\u011bkdy nemus\u00ed z\u00e1kladn\u00ed poji\u0161t\u011bn\u00ed n\u00e1kladu sta\u010dit, proto\u017ee kryje pouze ob\u010danskopr\u00e1vn\u00ed odpov\u011bdnost spedit\u00e9ra a odpov\u011bdnost dopravce, co\u017e nemus\u00ed b\u00fdt dostate\u010dn\u00e9. Z\u00e1kladn\u00ed poji\u0161t\u011bn\u00ed se toti\u017e vztahuje pouze na \u0161kody zp\u016fsoben\u00e9 nedbalost\u00ed spedit\u00e9ra nebo dopravce.<\/p>\n\n\n\n
Standard pro n\u00e1klady na poji\u0161t\u011bn\u00ed n\u00e1kladu<\/h2>\n\n\n\n Neexistuj\u00ed \u017e\u00e1dn\u00e9 standardn\u00ed n\u00e1klady na poji\u0161t\u011bn\u00ed n\u00e1kladu, proto\u017ee hodnota jednotliv\u00fdch n\u00e1klad\u016f se li\u0161\u00ed. Krom\u011b toho hraje v cen\u011b poji\u0161t\u011bn\u00ed n\u00e1kladu z\u00e1sadn\u00ed roli tak\u00e9 zp\u016fsob p\u0159epravy. Krom\u011b toho se na n\u00e1kladech na poji\u0161t\u011bn\u00ed n\u00e1kladu pod\u00edlej\u00ed i dal\u0161\u00ed faktory, jako je obecn\u00e1 odpov\u011bdnost, druh n\u00e1kladu, klasifikace n\u00e1kladu a historie ztr\u00e1t a \u0161kod.<\/p>\n\n\n\n
Nap\u0159\u00edklad pokud se n\u00e1klad skl\u00e1d\u00e1 z drah\u00e9ho zbo\u017e\u00ed a odes\u00edlatel m\u00e1 historii \u0161kod a ztr\u00e1t, pak by n\u00e1klady na poji\u0161t\u011bn\u00ed byly vysok\u00e9. To obecn\u011b znamen\u00e1, \u017ee odhad standardn\u00edch n\u00e1klad\u016f na poji\u0161t\u011bn\u00ed n\u00e1kladu m\u016f\u017ee d\u00e1t hodn\u011b pr\u00e1ce.<\/p>\n\n\n\n
N\u00e1klady na poji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n Za\u010dn\u011bme t\u00edm, \u017ee neexistuje standardn\u00ed cena poji\u0161t\u011bn\u00ed a v\u00fdpo\u010dty se li\u0161\u00ed v z\u00e1vislosti na poji\u0161\u0165ovn\u011b. Nicm\u00e9n\u011b existuje standardn\u00ed struktura pro v\u00fdpo\u010det n\u00e1klad\u016f na poji\u0161t\u011bn\u00ed n\u00e1kladu. P\u0159i v\u00fdpo\u010dtech se zohled\u0148uj\u00ed prim\u00e1rn\u00ed faktory, jako jsou n\u00e1klady a hodnota CIF.<\/p>\n\n\n\n
Hodnota CIF<\/h3>\n\n\n\n Pokud m\u00e1te z\u00e1jem o poji\u0161t\u011bn\u00ed n\u00e1kladu a p\u0159epravn\u00edch n\u00e1klad\u016f, bude nejlep\u0161\u00ed po\u017e\u00e1dat poji\u0161\u0165ovnu o v\u00fdpo\u010det hodnoty CIF. Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f lze hodnotu CIF n\u00e1kladu rozd\u011blit do t\u0159\u00ed kategori\u00ed:<\/p>\n\n\n\n
\u25cf Hodnota obchodn\u00ed faktury<\/p>\n\n\n\n
\u25cf N\u00e1klady na poji\u0161t\u011bn\u00ed<\/p>\n\n\n\n
\u25cf N\u00e1kladn\u00ed doprava<\/p>\n\n\n\n
Sou\u010det v\u0161ech t\u0159\u00ed kategori\u00ed se \u010dasto oce\u0148uje na 110%, p\u0159i\u010dem\u017e 10% nav\u00edc m\u00e1 pokr\u00fdt v\u0161echny nep\u0159edv\u00eddan\u00e9 okolnosti, kter\u00e9 mohou nastat. Nap\u0159:<\/p>\n\n\n\n
\u25cf Hodnota obchodn\u00ed faktury: $60,000<\/p>\n\n\n\n
\u25cf N\u00e1klady na poji\u0161t\u011bn\u00ed: $300<\/p>\n\n\n\n
\u25cf N\u00e1klady na dopravu: $1500<\/p>\n\n\n\n
\u25cf Poji\u0161t\u011bn\u00ed CIF: $61,800<\/p>\n\n\n\n
Dal\u0161\u00edm krokem je vyn\u00e1soben\u00ed hodnoty CIF koeficientem 1,1:<\/p>\n\n\n\n
\u25cf (61 800 X 1,1) = $67,980<\/p>\n\n\n\n
\u25cf To znamen\u00e1, \u017ee celkov\u00e1 hodnota CIF by byla $67,980.<\/p>\n\n\n\n
Dal\u0161\u00edm faktorem, kter\u00fd je t\u0159eba vz\u00edt v \u00favahu, je pojistn\u00e9 procento, kter\u00e9 se u jednotliv\u00fdch poji\u0161\u0165oven li\u0161\u00ed. Pokud je nap\u0159\u00edklad pojistn\u00e9 procento $0,5\/$100, pak by va\u0161e celkov\u00e9 poji\u0161t\u011bn\u00ed bylo:<\/p>\n\n\n\n
\u25cf ($67,980\/100) X 0,5 = $339,90<\/p>\n\n\n\n
\u25cf Zaplat\u00edte tedy celkov\u00e9 poji\u0161t\u011bn\u00ed ve v\u00fd\u0161i $339,90.<\/p>\n\n\n\n
Z v\u00fd\u0161e uveden\u00e9ho p\u0159\u00edkladu vypl\u00fdv\u00e1, \u017ee rozd\u00edl mezi \u00fahradou n\u00e1klad\u016f na dopravu a z\u00edsk\u00e1n\u00edm ur\u010dit\u00e9 hodnoty nav\u00edc je mal\u00fd. Jedn\u00e1 se o jednoduch\u00fd vzorec, kter\u00fd se \u010dasto pou\u017e\u00edv\u00e1 ve v\u011bt\u0161in\u011b pojistn\u00fdch sc\u00e9n\u00e1\u0159\u016f. Existuj\u00ed v\u0161ak i dal\u0161\u00ed faktory, kter\u00e9 se pod\u00edlej\u00ed na n\u00e1kladech na poji\u0161t\u011bn\u00ed a kter\u00e9 nejsou v tomto vzorci zahrnuty.<\/p>\n\n\n\n
N\u00e1klady<\/h3>\n\n\n\n Hodnota n\u00e1kladu, kter\u00fd chcete pojistit, se \u010dasto rovn\u00e1 obchodn\u00ed fakturovan\u00e9 hodnot\u011b. M\u016f\u017eete pou\u017e\u00edt pojistn\u00e9 procento, kter\u00e9 je \u010dasto zalo\u017eeno na dolarov\u00e9 hodnot\u011b za ka\u017ed\u00fd $100 fakturovan\u00e9 \u010d\u00e1stky. Nap\u0159\u00edklad p\u0159i z\u00e1kladn\u00edm poji\u0161t\u011bn\u00ed n\u00e1kladu v hodnot\u011b $60 000 a pojistn\u00e9 smlouv\u011b $0,50\/$100 s minim\u00e1ln\u00ed hodnotou $10 by poji\u0161t\u011bn\u00ed vypadalo n\u00e1sledovn\u011b:<\/p>\n\n\n\n
\u25cf ($60,000\/100) X $0,50 = $300<\/p>\n\n\n\n
\u25cf N\u00e1klady na poji\u0161t\u011bn\u00ed zbo\u017e\u00ed v hodnot\u011b $60 000 by tedy \u010dinily $300.<\/p>\n\n\n\n
Pokud tedy porovn\u00e1te hodnotu zbo\u017e\u00ed a n\u00e1klady na poji\u0161t\u011bn\u00ed p\u0159epravy, je to pom\u011brn\u011b v\u00fdhodn\u00e9. P\u0159esto\u017ee se jedn\u00e1 o z\u00e1kladn\u00ed poji\u0161t\u011bn\u00ed, m\u016f\u017ee se vztahovat na n\u00e1klad ztracen\u00fd nebo po\u0161kozen\u00fd v d\u016fsledku nedbalosti odes\u00edlatele nebo dopravce. Pro v\u011bt\u0161inu p\u0159\u00edpad\u016f, jako jsou nap\u0159\u00edklad \u017eiveln\u00e9 ud\u00e1losti, je v\u0161ak zapot\u0159eb\u00ed v\u00edce.<\/p>\n\n\n\n
M\u016f\u017eete si tedy vybrat poji\u0161\u0165ovnu, kter\u00e1 vyhovuje va\u0161im pot\u0159eb\u00e1m a jej\u00ed\u017e pojistn\u00e9 procento pova\u017eujete za spravedliv\u00e9. Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f se pojistn\u00e9 procento \u010dasto pohybuje mezi $0,25 a\u017e $0,75\/100. Spole\u010dnost v\u00e1m navrhne sazbu vhodnou pro va\u0161i t\u0159\u00eddu n\u00e1kladu, n\u00e1klad a historii odes\u00edlatele nebo dopravce. Pokud v\u00e1m spole\u010dnost nab\u00eddne procento vy\u0161\u0161\u00ed ne\u017e $0,75\/$100, je p\u0159edra\u017een\u00e9 a cokoli pod $0,25\/100 je nespolehliv\u00e9.<\/p>\n\n\n\n
Pokud zpracov\u00e1v\u00e1te mezin\u00e1rodn\u00ed z\u00e1silky, mohou se na v\u00e1s vztahovat pravidla Incoterms, zejm\u00e9na pro p\u0159epravu zbo\u017e\u00ed po mo\u0159i. Podle pravidel Incoterms je prod\u00e1vaj\u00edc\u00ed n\u00e1kladu povinen zakoupit poji\u0161t\u011bn\u00ed. Pravidla vy\u017eaduj\u00ed, aby se p\u0159i stanoven\u00ed celkov\u00fdch n\u00e1klad\u016f na poji\u0161t\u011bn\u00ed u v\u0161ech p\u0159eprav pou\u017e\u00edvala hodnota CIF 110%. M\u016f\u017eete se v\u0161ak rozhodnout pro vlastn\u00ed variantu poji\u0161t\u011bn\u00ed, kter\u00e1 by v\u00e1s st\u00e1la v\u00edce, ale nab\u00edz\u00ed v\u011bt\u0161\u00ed kryt\u00ed n\u00e1kladu.<\/p>\n\n\n\n
\u00da\u010del poji\u0161t\u011bn\u00ed kontejner\u016f<\/h2>\n\n\n\nP\u0159i p\u0159eprav\u011b n\u00e1kladu, zejm\u00e9na po mo\u0159i, se pou\u017e\u00edvaj\u00ed kontejnery. Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f se kontejnery mohou na mo\u0159i ztratit kv\u016fli \u0161patn\u00e9mu uspo\u0159\u00e1d\u00e1n\u00ed, nespr\u00e1vn\u00e9mu balen\u00ed a parametrick\u00e9mu v\u00fdkyvu, co\u017e je houp\u00e1n\u00ed, kter\u00e9 kontejnery za\u017e\u00edvaj\u00ed a kter\u00e9 m\u016f\u017ee zp\u016fsobit vych\u00fdlen\u00ed lodi do strany. Nejlep\u0161\u00ed by bylo sjednat si poji\u0161t\u011bn\u00ed v\u010detn\u011b kontejner\u016f, kter\u00e9 by krylo ztr\u00e1tu nebo po\u0161kozen\u00ed b\u011bhem p\u0159epravy.<\/p>\n\n\n\n
Typy poji\u0161t\u011bn\u00ed n\u00e1kladu<\/h2>\n\n\n\n Jak ji\u017e bylo zm\u00edn\u011bno, n\u00e1klady na poji\u0161t\u011bn\u00ed mohou b\u00fdt ovlivn\u011bny v\u00fdb\u011brem typu poji\u0161t\u011bn\u00ed. Existuje n\u011bkolik kategori\u00ed poji\u0161t\u011bn\u00ed n\u00e1kladu, v\u010detn\u011b:<\/p>\n\n\n\n
Jednotliv\u00e9 pokryt\u00ed<\/h3>\n\n\n\n Jedn\u00e1 se o skv\u011blou mo\u017enost poji\u0161t\u011bn\u00ed pro ty, kte\u0159\u00ed jednou za \u010das p\u0159epravuj\u00ed n\u00e1klad. Jednor\u00e1zov\u00e9 kryt\u00ed je vhodn\u00e9 pro mal\u00e9 i velk\u00e9 podniky, pokud p\u0159epravuj\u00ed n\u00e1klad nepravideln\u011b. Kryt\u00ed se nav\u00edc vztahuje na celou z\u00e1silku n\u00e1kladu.<\/p>\n\n\n\n
Otev\u0159en\u00e9 pokryt\u00ed<\/h3>\n\n\n\n Na druhou stranu, pokud \u010dasto pos\u00edl\u00e1te z\u00e1silky, bylo by nejlep\u0161\u00ed sjednat si otev\u0159en\u00e9 poji\u0161t\u011bn\u00ed, kter\u00e9 v\u00e1m umo\u017en\u00ed platit ro\u010dn\u00ed pojistn\u00e9. Tato mo\u017enost v\u00e1m umo\u017en\u00ed m\u00edt v pr\u016fb\u011bhu roku n\u011bkolik z\u00e1silek, kter\u00e9 jsou kryty ro\u010dn\u00edm pojistn\u00fdm. Nicm\u00e9n\u011b nejlep\u0161\u00ed by bylo, kdybyste v pojistn\u00e9 smlouv\u011b zv\u00e1\u017eili i dal\u0161\u00ed faktory, nap\u0159\u00edklad limit po\u010dtu z\u00e1silek uskute\u010dn\u011bn\u00fdch za rok.<\/p>\n\n\n\n
Jednou z v\u00fdhod otev\u0159en\u00e9ho poji\u0161t\u011bn\u00ed je, \u017ee nab\u00edz\u00ed pojistnou ochranu a\u017e do ukon\u010den\u00ed placen\u00ed pojistn\u00e9ho. V z\u00e1vislosti na va\u0161ich p\u0159epravn\u00edch pot\u0159eb\u00e1ch m\u016f\u017eete tak\u00e9 ka\u017edoro\u010dn\u011b revidovat a obnovovat pojistn\u00e9. Otev\u0159en\u00e9 kryt\u00ed je tak\u00e9 ide\u00e1ln\u00ed pro velkoobjemov\u00e9 p\u0159epravce, proto\u017ee je n\u00e1kladov\u011b efektivn\u011bj\u0161\u00ed a \u00fa\u010dinn\u011bj\u0161\u00ed.<\/p>\n\n\n\n
Poji\u0161t\u011bn\u00ed n\u00e1mo\u0159n\u00edho n\u00e1kladu<\/h3>\n\n\n\nPokud p\u0159epravujete n\u00e1klad po mo\u0159i nebo letecky, zva\u017ete uzav\u0159en\u00ed n\u00e1mo\u0159n\u00edho poji\u0161t\u011bn\u00ed n\u00e1kladu. Tento typ poji\u0161t\u011bn\u00ed kryje ztr\u00e1tu a po\u0161kozen\u00ed zbo\u017e\u00ed v d\u016fsledku nep\u0159\u00edzniv\u00e9ho po\u010das\u00ed, pir\u00e1tstv\u00ed a po\u0161kozen\u00ed p\u0159i nakl\u00e1dce a vykl\u00e1dce n\u00e1kladu. Toto poji\u0161t\u011bn\u00ed je obvykle mezin\u00e1rodn\u00ed a lze jej uplatnit ve v\u00edce zem\u00edch.<\/p>\n\n\n\n
Poji\u0161t\u011bn\u00ed pozemn\u00edch n\u00e1klad\u016f<\/h3>\n\n\n\nTento typ poji\u0161t\u011bn\u00ed je specifick\u00fd pro p\u0159epravu po zemi, nap\u0159\u00edklad prost\u0159ednictv\u00edm n\u00e1kladn\u00edch vozidel a \u017eelezni\u010dn\u00ed dopravy. Poji\u0161t\u011bn\u00ed se \u010dasto vztahuje na nehody b\u011bhem p\u0159epravy, ztr\u00e1ty zp\u016fsoben\u00e9 kr\u00e1de\u017e\u00ed a n\u00e1sledn\u00e9 \u0161kody. Pokud p\u0159eprava zahrnuje ulo\u017een\u00ed n\u00e1kladu na n\u00e1kladn\u00edm vozidle p\u0159es noc, bylo by nejlep\u0161\u00ed zajistit, aby se poji\u0161t\u011bn\u00ed vztahovalo i na kr\u00e1de\u017e.<\/p>\n\n\n\n
Krom\u011b toho je nutn\u00e9 si uv\u011bdomit, \u017ee poji\u0161t\u011bn\u00ed pozemk\u016f je omezeno na ur\u010ditou jurisdikci. To znamen\u00e1, \u017ee pozemn\u00ed poji\u0161t\u011bn\u00ed n\u00e1kladu nem\u016f\u017eete pou\u017e\u00edt pro mezin\u00e1rodn\u00ed z\u00e1silky; v takov\u00fdch p\u0159\u00edpadech by bylo nejlep\u0161\u00ed po\u0159\u00eddit si dodate\u010dnou ochranu.<\/p>\n\n\n\n
Poji\u0161t\u011bn\u00ed n\u00e1kladu proti v\u0161em rizik\u016fm<\/h3>\n\n\n\n Jedn\u00e1 se o poji\u0161t\u011bn\u00ed p\u0159epravy se v\u0161\u00edm v\u0161udy. A\u010dkoli poji\u0161t\u011bn\u00ed nazna\u010duje, \u017ee se vztahuje na v\u0161echna rizika, je lep\u0161\u00ed si zkontrolovat, zda v pojistn\u00fdch podm\u00ednk\u00e1ch nejsou uvedeny v\u00fdluky. Jednou z hlavn\u00edch v\u00fdhod tohoto poji\u0161t\u011bn\u00ed je, \u017ee by byly kompenzov\u00e1ny v\u0161echny \u0161kody, kter\u00e9 nejsou z pojistky vylou\u010deny, v\u010detn\u011b \u017eiveln\u00fdch pohrom.<\/p>\n\n\n\n
Mezi v\u011bci, kter\u00e9 mohou b\u00fdt vylou\u010deny z kryt\u00ed v r\u00e1mci poji\u0161t\u011bn\u00ed v\u0161ech rizik, pat\u0159\u00ed:<\/p>\n\n\n\n
\u25cf nevhodn\u00e9 balen\u00ed zbo\u017e\u00ed.<\/p>\n\n\n\n
\u25cf Zbo\u017e\u00ed odm\u00edtnut\u00e9 celn\u00edmi org\u00e1ny<\/p>\n\n\n\n
\u25cf Ztr\u00e1ta n\u00e1kladu v d\u016fsledku opu\u0161t\u011bn\u00ed<\/p>\n\n\n\n
\u25cf z\u00e1vada z d\u016fvodu povahy n\u00e1kladu<\/p>\n\n\n\n
\u25cf Ztr\u00e1ty a \u0161kody zp\u016fsoben\u00e9 zpo\u017ed\u011bn\u00edm.<\/p>\n\n\n\n
V\u00fdluky v tomto poji\u0161t\u011bn\u00ed maj\u00ed zajistit, aby odes\u00edlatel\u00e9 a dopravci nezneu\u017e\u00edvali poji\u0161t\u011bn\u00ed k nedbalosti b\u011bhem p\u0159epravy.<\/p>\n\n\n\n
Dal\u0161\u00ed faktory, kter\u00e9 ovliv\u0148uj\u00ed n\u00e1klady na poji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n Jak ji\u017e bylo uvedeno, n\u00e1klady na poji\u0161t\u011bn\u00ed n\u00e1kladu jsou ur\u010deny jin\u00fdmi faktory ne\u017e \u010detnost\u00ed p\u0159epravy, hodnotou zbo\u017e\u00ed a pojistn\u00fdmi smlouvami. N\u011bkter\u00e9 dal\u0161\u00ed faktory, kter\u00e9 mohou ovlivnit n\u00e1klady na poji\u0161t\u011bn\u00ed, jsou n\u00e1sleduj\u00edc\u00ed:<\/p>\n\n\n\n
Klasifikace n\u00e1kladn\u00ed dopravy<\/h3>\n\n\n\nR\u016fzn\u00e9 druhy n\u00e1kladu se klasifikuj\u00ed r\u016fzn\u011b. D\u016fvodem je rozd\u00edln\u00e1 povaha n\u00e1kladu; n\u011bkter\u00e9 druhy n\u00e1kladu se p\u0159epravuj\u00ed obt\u00ed\u017en\u011bji ne\u017e jin\u00e9. To znamen\u00e1, \u017ee cena p\u0159epravy a poji\u0161t\u011bn\u00ed se li\u0161\u00ed v z\u00e1vislosti na klasifikaci n\u00e1kladu a slo\u017eitosti p\u0159epravy. V ide\u00e1ln\u00edm p\u0159\u00edpad\u011b se klasifikace n\u00e1kladu prov\u00e1d\u00ed na z\u00e1klad\u011b ceny a slo\u017eitosti p\u0159epravy.<\/p>\n\n\n\n
N\u00e1klad, jako jsou v\u00fdbu\u0161n\u00e9 l\u00e1tky, se \u010dasto \u0159ad\u00ed do kategorie nebezpe\u010dn\u00e9ho n\u00e1kladu a jeho poji\u0161t\u011bn\u00ed se li\u0161\u00ed od z\u00e1silky cihel nebo d\u0159eva. P\u0159epravn\u00ed spole\u010dnost, zprost\u0159edkovatel\u00e9 a dopravci pou\u017e\u00edvaj\u00ed klasifikaci n\u00e1kladu k ur\u010den\u00ed nejvhodn\u011bj\u0161\u00edho poji\u0161t\u011bn\u00ed a n\u00e1klad\u016f na p\u0159epravu.<\/p>\n\n\n\n
To znamen\u00e1, \u017ee poji\u0161t\u011bn\u00ed nebezpe\u010dn\u00e9ho zbo\u017e\u00ed, jako jsou v\u00fdbu\u0161niny, by bylo n\u00e1kladn\u011bj\u0161\u00ed ne\u017e poji\u0161t\u011bn\u00ed b\u011b\u017en\u00fdch v\u00fdrobk\u016f, jako jsou pol\u0161t\u00e1\u0159e. Proto se ujist\u011bte, \u017ee jste hovo\u0159ili s poji\u0161\u0165ovac\u00edm agentem a porovnali pojistn\u00e9 smlouvy na z\u00e1klad\u011b klasifikace n\u00e1kladu.<\/p>\n\n\n\n
P\u0159edchoz\u00ed ztr\u00e1ta nebo po\u0161kozen\u00ed<\/h3>\n\n\n\n V\u011bt\u0161ina spole\u010dnost\u00ed by p\u0159ed stanoven\u00edm n\u00e1klad\u016f na poji\u0161t\u011bn\u00ed zv\u00e1\u017eila p\u0159epravn\u00ed z\u00e1znamy odes\u00edlatele. Pokud m\u00e1 odes\u00edlatel v minulosti ztracen\u00fd nebo po\u0161kozen\u00fd n\u00e1klad, budou n\u00e1klady na poji\u0161t\u011bn\u00ed pravd\u011bpodobn\u011b vy\u0161\u0161\u00ed ne\u017e u odes\u00edlatele s \u010distou p\u0159epravn\u00ed histori\u00ed. Tuto strategii je t\u0159eba vyjasnit, proto\u017ee ztr\u00e1ta a po\u0161kozen\u00ed n\u00e1kladu m\u016f\u017ee b\u00fdt zavin\u011bno dopravcem.<\/p>\n\n\n\n
Nicm\u00e9n\u011b p\u0159epravn\u00ed spole\u010dnost by m\u011bla zv\u00e1\u017eit va\u0161i roli p\u0159i ztr\u00e1t\u011b nebo po\u0161kozen\u00ed n\u00e1kladu. Va\u0161e z\u00e1znamy mohou tak\u00e9 ovlivnit cenu pojistky, zejm\u00e9na pokud m\u00e1te mnoho p\u0159\u00edpad\u016f ztracen\u00e9ho nebo po\u0161kozen\u00e9ho n\u00e1kladu. Oproti tomu m\u016f\u017ee b\u00fdt cena pojistky ni\u017e\u0161\u00ed, pokud m\u00e1te \u010dist\u00fd rejst\u0159\u00edk p\u0159epravc\u016f bez ztracen\u00e9ho nebo po\u0161kozen\u00e9ho n\u00e1kladu.<\/p>\n\n\n\n
Koup\u011b pojistn\u00e9 smlouvy pro n\u00e1kladn\u00ed dopravu m\u016f\u017ee b\u00fdt slo\u017eit\u00fd proces, zejm\u00e9na pokud p\u0159epravujete zbo\u017e\u00ed poprv\u00e9. S v\u00fdb\u011brem nejlep\u0161\u00edho poji\u0161t\u011bn\u00ed v\u00e1m m\u016f\u017ee pomoci poji\u0161\u0165ovac\u00ed agent nebo odborn\u00edk. Profesion\u00e1l by v\u00e1m m\u011bl pomoci z\u00edskat pojistnou smlouvu, kter\u00e1 vyhovuje va\u0161im pot\u0159eb\u00e1m a chr\u00e1n\u00ed va\u0161e z\u00e1jmy.<\/p>\n\n\n\n
Mus\u00edte se ujistit, \u017ee jste porozum\u011bli drobn\u00e9mu p\u00edsmu, abyste se vyhnuli dodate\u010dn\u00fdm n\u00e1klad\u016fm nebo situac\u00edm, kdy by v\u00e1m bylo zam\u00edtnuto pojistn\u00e9 pln\u011bn\u00ed. Mezi profesion\u00e1ly, kter\u00e9 m\u016f\u017eete p\u0159i sjedn\u00e1v\u00e1n\u00ed poji\u0161t\u011bn\u00ed n\u00e1kladu pova\u017eovat za sv\u00e9 zprost\u0159edkovatele, pat\u0159\u00ed spedit\u00e9r, makl\u00e9\u0159 a poradce pro n\u00e1kladn\u00ed dopravu.<\/p>\n\n\n\n
Kter\u00fdkoli z uveden\u00fdch odborn\u00edk\u016f by byl skv\u011bl\u00fdm poradcem d\u00edky sv\u00fdm zku\u0161enostem v oblasti poji\u0161t\u011bn\u00ed n\u00e1kladu. Profesion\u00e1l v\u00e1m pom\u016f\u017ee zajistit, \u017ee pojistn\u00e9 kryt\u00ed, kter\u00e9 z\u00edsk\u00e1te, zaru\u010d\u00ed schv\u00e1len\u00ed v\u0161ech va\u0161ich p\u0159\u00edpadn\u00fdch n\u00e1rok\u016f.<\/p>\n\n\n\n
Proto se ujist\u011bte, \u017ee jste dob\u0159e obezn\u00e1meni se v\u0161emi pojistn\u00fdmi smlouvami, kter\u00e9 si pro sv\u016fj n\u00e1klad kupujete. Krom\u011b toho zkontrolujte drobn\u00e9 p\u00edsmo, abyste se ujistili, \u017ee v poji\u0161t\u011bn\u00ed p\u0159epravy nejsou skryty \u017e\u00e1dn\u00e9 dal\u0161\u00ed n\u00e1klady. N\u00e1klady na poji\u0161t\u011bn\u00ed by tak\u00e9 m\u011bly odr\u00e1\u017eet va\u0161e pot\u0159eby v oblasti p\u0159epravy n\u00e1kladu a v\u00e1mi stanoven\u00fd rozsah. D\u00e1le byste se m\u011bli ujistit, \u017ee je v\u00e1\u0161 n\u00e1klad za\u0159azen do spr\u00e1vn\u00e9 klasifikace, abyste se vyhnuli dodate\u010dn\u00fdm poplatk\u016fm.<\/p>\n\n\n\n
V\u00fdluky z poji\u0161t\u011bn\u00ed n\u00e1kladu<\/h2>\n\n\n\n Jako odes\u00edlatel m\u00e1te z\u00e1jem na ochran\u011b sv\u00e9ho n\u00e1kladu b\u011bhem p\u0159epravy. Poji\u0161t\u011bn\u00ed p\u0159epravy v\u0161ak nekryje odpov\u011bdnost dopravce. Je tomu tak proto, \u017ee dopravce odpov\u00edd\u00e1 za bezpe\u010dnou p\u0159epravu n\u00e1kladu od okam\u017eiku, kdy jej p\u0159evezme, a\u017e do okam\u017eiku jeho p\u0159ed\u00e1n\u00ed v m\u00edst\u011b ur\u010den\u00ed. Pokud jste dopravcem vy, bylo by nejlep\u0161\u00ed sjednat si poji\u0161t\u011bn\u00ed odpov\u011bdnosti dopravce.<\/p>\n\n\n\n
Poji\u0161t\u011bn\u00ed n\u00e1kladu by se m\u011blo vztahovat na zbo\u017e\u00ed b\u011bhem p\u0159epravy, existuje v\u0161ak n\u011bkolik v\u00fdluk. N\u011bkter\u00e9 z aspekt\u016f, kter\u00e9 jsou \u010dasto vylou\u010deny z poji\u0161t\u011bn\u00ed n\u00e1kladu, zahrnuj\u00ed n\u00e1sleduj\u00edc\u00ed:<\/p>\n\n\n\n
\u25cf \u0161kody zp\u016fsoben\u00e9 vadn\u00fdm zbo\u017e\u00edm: Pokud m\u00e1 va\u0161e zbo\u017e\u00ed vadu, kter\u00e1 zp\u016fsob\u00ed \u0161kodu nebo donut\u00ed dopravce, aby se ho zbavil, aby zabr\u00e1nil dal\u0161\u00edm \u0161kod\u00e1m, nem\u016f\u017eete uplatnit \u00fasp\u011b\u0161nou pojistnou ud\u00e1lost.<\/p>\n\n\n\n
\u25cf Po\u0161kozen\u00ed z d\u016fvodu nedostate\u010dn\u00e9ho zabalen\u00ed: Jako odes\u00edlatel jste zodpov\u011bdn\u00ed za spr\u00e1vn\u00e9 zabalen\u00ed n\u00e1kladu. Pokud dojde k po\u0161kozen\u00ed z\u00e1silky v d\u016fsledku nevhodn\u00e9ho balen\u00ed, poji\u0161t\u011bn\u00ed se na tyto \u0161kody nem\u016f\u017ee vztahovat.<\/p>\n\n\n\n
\u25cf N\u011bkter\u00e9 druhy dopravy: N\u011bkter\u00e1 poji\u0161t\u011bn\u00ed se nevztahuj\u00ed na n\u011bkter\u00e9 zp\u016fsoby dopravy. Mus\u00edte si zkontrolovat pojistnou smlouvu, abyste se ujistili, \u017ee se vztahuje na v\u0161echny zp\u016fsoby dopravy, kter\u00e9 m\u016f\u017eete pro sv\u016fj n\u00e1klad pou\u017e\u00edt, nap\u0159\u00edklad na lod\u011b a n\u00e1kladn\u00ed automobily.<\/p>\n\n\n\n
\u25cf N\u011bkter\u00e9 druhy n\u00e1kladu: Pojistn\u00e9 smlouvy mohou vylu\u010dovat kryt\u00ed n\u011bkter\u00fdch druh\u016f n\u00e1kladu, nap\u0159\u00edklad nebezpe\u010dn\u00e9ho n\u00e1kladu a nebezpe\u010dn\u00fdch zv\u00ed\u0159at.<\/p>\n\n\n\n
Tyto v\u00fdluky v\u0161ak nejsou standardn\u00ed a vztahuj\u00ed se pouze na n\u011bkter\u00e1 poji\u0161t\u011bn\u00ed p\u0159epravy. Pokud jste odes\u00edlatelem, mus\u00edte se ujistit, \u017ee poji\u0161t\u011bn\u00ed n\u00e1kladu, kter\u00e9 si kupujete, nevylu\u010duje va\u0161e pot\u0159eby. M\u016f\u017eete se poradit s pr\u00e1vn\u00edkem nebo poji\u0161\u0165ovac\u00edm agentem, abyste se ujistili, \u017ee v\u0161echny va\u0161e p\u0159epravn\u00ed pot\u0159eby jsou v zakoupen\u00e9m poji\u0161t\u011bn\u00ed n\u00e1kladu zahrnuty.<\/p>\n\n\n\n
Rozd\u00edl mezi poji\u0161t\u011bn\u00edm n\u00e1kladu a poji\u0161t\u011bn\u00edm p\u0159epravy<\/h2>\n\n\n\n A\u010dkoli by se mohlo zd\u00e1t, \u017ee jsou si ob\u011b tyto v\u011bci podobn\u00e9, jsou zna\u010dn\u011b odli\u0161n\u00e9. Na jedn\u00e9 stran\u011b je poji\u0161t\u011bn\u00ed n\u00e1kladu ur\u010deno pro p\u0159epravu zbo\u017e\u00ed. Na druh\u00e9 stran\u011b je poji\u0161t\u011bn\u00ed n\u00e1kladu poji\u0161t\u011bn\u00edm skute\u010dn\u00e9ho zbo\u017e\u00ed nebo v\u00fdrobk\u016f. P\u0159i zva\u017eov\u00e1n\u00ed n\u00e1kupu rizikov\u00e9 pojistky je z\u00e1sadn\u00ed zn\u00e1t tento rozd\u00edl, abyste m\u011bli jistotu, \u017ee v p\u0159\u00edpad\u011b ztr\u00e1ty zbo\u017e\u00ed nebo jeho po\u0161kozen\u00ed budete moci \u00fasp\u011b\u0161n\u011b uplatnit n\u00e1rok na pojistn\u00e9 pln\u011bn\u00ed.<\/p>\n\n\n\n
Poji\u0161t\u011bn\u00ed n\u00e1kladu v ide\u00e1ln\u00edm p\u0159\u00edpad\u011b poskytovalo ochranu p\u0159ed ztr\u00e1tou nebo po\u0161kozen\u00edm vznikl\u00fdm b\u011bhem p\u0159epravy, nap\u0159\u00edklad zpo\u017ed\u011bn\u00edm dod\u00e1vky nebo ztr\u00e1tou z\u00e1silky. Oproti tomu poji\u0161t\u011bn\u00ed n\u00e1kladu nab\u00edz\u00ed ochranu proti ztr\u00e1t\u011b nebo po\u0161kozen\u00ed samotn\u00e9ho n\u00e1kladu a zahrnuje po\u017e\u00e1ry a kr\u00e1de\u017ee.<\/p>\n\n\n\n
Va\u0161e p\u0159epravn\u00ed pot\u0159eby mohou ovlivnit va\u0161e rozhodnut\u00ed o koupi poji\u0161t\u011bn\u00ed n\u00e1kladu nebo p\u0159epravy. M\u016f\u017eete se poradit s profesion\u00e1lem, kter\u00fd v\u00e1m nab\u00eddne nejvhodn\u011bj\u0161\u00ed pojistn\u00e9 kryt\u00ed pro va\u0161i z\u00e1silku. Polo\u017eky s vysokou hodnotou mohou b\u00fdt ide\u00e1ln\u00ed pro poji\u0161t\u011bn\u00ed n\u00e1kladu, zat\u00edmco pro polo\u017eky s ni\u017e\u0161\u00ed hodnotou by bylo nejvhodn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed n\u00e1kladu.<\/p>\n\n\n\n
Rozd\u00edl mezi poji\u0161t\u011bn\u00edm odpov\u011bdnosti dopravce a poji\u0161t\u011bn\u00edm n\u00e1kladu<\/h2>\n\n\n\n A\u010dkoli jsou si poji\u0161t\u011bn\u00ed odpov\u011bdnosti dopravce a poji\u0161t\u011bn\u00ed n\u00e1kladu podobn\u00e9 v tom, \u017ee chr\u00e1n\u00ed vlastn\u00ed zbo\u017e\u00ed b\u011bhem p\u0159epravy, jsou tak\u00e9 zna\u010dn\u011b odli\u0161n\u00e9.<\/p>\n\n\n\n
P\u0159epravn\u00ed p\u0159edpisy vy\u017eaduj\u00ed, aby dopravci m\u011bli poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kody na zbo\u017e\u00ed zp\u016fsoben\u00e9 jejich nedbalost\u00ed. Naproti tomu neexistuj\u00ed \u017e\u00e1dn\u00e9 pr\u00e1vn\u00ed po\u017eadavky na poji\u0161t\u011bn\u00ed n\u00e1kladu, kter\u00e9 poskytuje dodate\u010dnou ochranu proti ztr\u00e1t\u011b nebo po\u0161kozen\u00ed zbo\u017e\u00ed b\u011bhem p\u0159epravy.<\/p>\n\n\n\n
Dal\u0161\u00ed rozd\u00edl je v rozsahu pojistn\u00e9ho kryt\u00ed, kdy se poji\u0161t\u011bn\u00ed n\u00e1kladu vztahuje i na \u0161kody na zbo\u017e\u00ed zp\u016fsoben\u00e9 p\u0159\u00edrodn\u00edmi katastrofami a nep\u0159\u00edzn\u00ed po\u010das\u00ed. Pokud jde o odpov\u011bdnost dopravce, rozsah kryt\u00ed je omezen na \u0161kody na zbo\u017e\u00ed zp\u016fsoben\u00e9 nedbalost\u00ed.<\/p>\n\n\n\n
Krom\u011b toho je poji\u0161t\u011bn\u00ed n\u00e1kladu n\u00e1kladn\u011bj\u0161\u00ed ne\u017e poji\u0161t\u011bn\u00ed odpov\u011bdnosti dopravce, a to z d\u016fvodu rozsahu pojistn\u00e9ho kryt\u00ed. Tyto dodate\u010dn\u00e9 n\u00e1klady v\u00e1s v\u0161ak mohou uchr\u00e1nit p\u0159ed finan\u010dn\u00edmi ztr\u00e1tami p\u0159i vy\u0159izov\u00e1n\u00ed \u0161kod na zbo\u017e\u00ed b\u011bhem n\u00e1kladn\u00ed p\u0159epravy.<\/p>\n\n\n\n
Poji\u0161t\u011bn\u00ed celkov\u00e9 hodnoty zbo\u017e\u00ed<\/h2>\n\n\n\n P\u0159i zva\u017eov\u00e1n\u00ed n\u00e1klad\u016f na poji\u0161t\u011bn\u00ed n\u00e1kladu v\u00e1s m\u016f\u017ee zaj\u00edmat, zda mus\u00edte pojistit celkovou hodnotu zbo\u017e\u00ed. Z pr\u00e1vn\u00edho hlediska neexistuje po\u017eadavek na poji\u0161t\u011bn\u00ed cel\u00e9 hodnoty z\u00e1silky. Pokud m\u00e1te pocit, \u017ee sazba poji\u0161t\u011bn\u00ed nab\u00edzen\u00e1 poji\u0161\u0165ovnami je vysok\u00e1, m\u016f\u017eete se rozhodnout pojistit \u010d\u00e1st z\u00e1silky.<\/p>\n\n\n\n
Mohou v\u0161ak existovat lep\u0161\u00ed mo\u017enosti ne\u017e tato, proto\u017ee po\u0161kozen\u00ed a ztr\u00e1ty nejsou selektivn\u00ed. N\u00e1hradu \u0161kody nebo ztr\u00e1ty m\u016f\u017eete po\u017eadovat pouze za poji\u0161t\u011bn\u00fd n\u00e1klad. S poji\u0161\u0165ovnou m\u016f\u017eete tak\u00e9 projednat jej\u00ed podm\u00ednky p\u0159i kryt\u00ed \u010d\u00e1sti z\u00e1silky.<\/p>\n\n\n\n
Zdokumentujte v\u0161echny z\u00e1znamy<\/h2>\n\n\n\n Pokud se rozhodnete pro poji\u0161t\u011bn\u00ed n\u00e1kladu, pom\u016f\u017ee v\u00e1m v\u00e9st bezchybnou evidenci, abyste se vyhnuli dal\u0161\u00edm intern\u00edm n\u00e1klad\u016fm. Ujist\u011bte se, \u017ee m\u00e1te k dispozici v\u0161echny dokumenty uv\u00e1d\u011bj\u00edc\u00ed stav zbo\u017e\u00ed b\u011bhem nakl\u00e1dky a vykl\u00e1dky, v\u010detn\u011b kontroln\u00edch zpr\u00e1v. Tyto dokumenty se mohou hodit p\u0159i uplatn\u011bn\u00ed n\u00e1roku na n\u00e1hradu \u0161kody, proto\u017ee prokazuj\u00ed, \u017ee zbo\u017e\u00ed bylo p\u0159ed vznikem ur\u010dit\u00e9 ud\u00e1losti v dobr\u00e9m stavu.<\/p>\n\n\n\n
Nejlep\u0161\u00ed poji\u0161t\u011bn\u00ed n\u00e1kladu<\/h2>\n\n\n\n Pokud hled\u00e1te dobr\u00fd bal\u00ed\u010dek poji\u0161t\u011bn\u00ed n\u00e1kladu, zva\u017ete vyu\u017eit\u00ed spedi\u010dn\u00edch slu\u017eeb. Mohou v\u00e1m toti\u017e pomoci rychle zajistit poji\u0161t\u011bn\u00ed a pomoci vy\u0159e\u0161it p\u0159\u00edpadn\u00e9 reklamace, kter\u00e9 by mohly ze z\u00e1silky vzniknout. Koneckonc\u016f, v\u0161e prob\u00edh\u00e1 pod jednou st\u0159echou.<\/p>\n\n\n\n
Krom\u011b toho mohou spedi\u010dn\u00ed firmy nab\u00edzet dal\u0161\u00ed slu\u017eby, jako je nap\u0159\u00edklad zprost\u0159edkov\u00e1n\u00ed p\u0159epravy, celn\u00ed odbaven\u00ed, skladov\u00e1n\u00ed n\u00e1kladu, pozemn\u00ed p\u0159eprava, leteck\u00e1 p\u0159eprava a n\u00e1mo\u0159n\u00ed p\u0159eprava. Takov\u00fd poskytovatel slu\u017eeb by v\u00e1m usnadnil pr\u00e1ci a urychlil proces poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n
Z\u00e1v\u011br<\/h2>\n\n\n\n N\u00e1klady na poji\u0161t\u011bn\u00ed n\u00e1kladu jsou v porovn\u00e1n\u00ed s hodnotou zbo\u017e\u00ed v\u00fdrazn\u011b n\u00edzk\u00e9. P\u0159esto\u017ee neexistuje \u017e\u00e1dn\u00fd z\u00e1konn\u00fd po\u017eadavek na poji\u0161t\u011bn\u00ed n\u00e1kladu b\u011bhem p\u0159epravy, je nejlep\u0161\u00ed si ho sjednat kv\u016fli \u0159\u00edzen\u00ed rizik. Sazby poji\u0161t\u011bn\u00ed z\u00e1vis\u00ed na poji\u0161\u0165ovn\u011b, kterou se rozhodnete vyu\u017e\u00edt, a mohou se li\u0161it v z\u00e1vislosti na hodnot\u011b zbo\u017e\u00ed a dal\u0161\u00edch faktorech, jako je povaha zbo\u017e\u00ed. Ujist\u011bte se, \u017ee jste se poradili s odborn\u00edkem, abyste pochopili rozsah poji\u0161t\u011bn\u00ed, kter\u00e9 hodl\u00e1te zakoupit, a zda byste v p\u0159\u00edpad\u011b ztr\u00e1ty nebo po\u0161kozen\u00ed \u00fasp\u011b\u0161n\u011b uplatnili n\u00e1rok.<\/p>","protected":false},"excerpt":{"rendered":"
Ve spole\u010dnosti Luckystar ch\u00e1peme d\u016fle\u017eitost ochrany va\u0161eho n\u00e1kladu b\u011bhem p\u0159epravy. Proto nab\u00edz\u00edme komplexn\u00ed poji\u0161t\u011bn\u00ed p\u0159epravy, kter\u00e9 ochr\u00e1n\u00ed va\u0161i z\u00e1silku a poskytne v\u00e1m klid. Na\u0161e pojistn\u00e9 kryt\u00ed je navr\u017eeno tak, aby chr\u00e1nilo va\u0161e zbo\u017e\u00ed p\u0159ed po\u0161kozen\u00edm, ztr\u00e1tou nebo kr\u00e1de\u017e\u00ed b\u011bhem p\u0159epravy a poskytlo v\u00e1m jistotu, \u017ee va\u0161e investice je bezpe\u010dn\u00e1 a [\u2026]<\/p>","protected":false},"author":3,"featured_media":119,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"Find Affordable Freight Insurance Cost %%sep%% %%sitetitle%%","_seopress_titles_desc":"Protect your cargo with our comprehensive freight insurance. 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