Domowe assistance to nie tylko pomoc hydraulika

  • Domowe assistance to najczęściej dodawana usługa do ubezpieczenia domu czy mieszkania – według towarzystwa ubezpieczeń Compensa jest włączana do niemal każdej polisy.
  • Tę usługę kojarzy się przede wszystkim ze wsparciem hydraulika, elektryka czy ślusarza, ale oferowana w ramach ubezpieczenia pomoc jest o wiele bardziej zróżnicowana.
  • Właściciele nieruchomości mogą liczyć na wsparcie także w takich sytuacjach jak opieka nad zwierzętami, przewóz i dozór nad mieniem, zakup biletów na koncert czy awaria pralki.

Usługi assistance należą do najpopularniejszych rozszerzeń ubezpieczenia nieruchomości – domu czy mieszkania. Ze sprzedażowych danych towarzystwa ubezpieczeń Compensa wynika, że 98% kupowanych polis zawiera tzw. klauzulę home assistance.

Nie tylko obserwujemy, że domowe assistance jest w zdecydowanej większości przypadków włączane do zakresu ochrony nieruchomości, ale również widzimy, że nie jest ono traktowane jak „martwy zapis”. Nasi klienci coraz bardziej świadomie kupują ubezpieczenia, co jednocześnie oznacza, że częściej niż jeszcze kilka lat temu wiedzą, kiedy mogą z niego skorzystać. I robią to. Największa liczba interwencji fachowców dotyczy awarii instalacji wodno-kanalizacyjnych i elektrycznych, ale warto pamiętać, że katalog usług assistance jest znacznie szerszy – mówi Andrzej Paduszyński, Dyrektor Departamentu Ubezpieczeń Indywidualnych Compensa TU SA Vienna Insurance Group.

W ramach domowego assistance ubezpieczyciel zapewnia swojemu klientowi organizację i pokrycie kosztów pomocy w określonych sytuacjach. Zakres wsparcia obejmuje oczywiście awarie, o których zazwyczaj w pierwszej kolejności myśli się w kontekście assistance – cieknący kran, uszkodzony zamek w drzwiach czy brak prądu.

Poniżej 5 przykładów mniej oczywistych sytuacji, które objęte są pomocą w ramach ubezpieczenia.

  • Awaria sprzętu RTV/AGD po okresie gwarancji

Nie jest tajemnicą, że urządzenia „lubią” psuć się tuż po zakończeniu okresu gwarancji. Mając assistance właściciel sprzętu RTV/AGD (m.in. kuchenek gazowych czy elektrycznych, lodówek, pralek, telewizorów czy zestawów Hi-Fi) może zgłosić uniemożliwiającą korzystanie ze sprzętu awarię, gdy ochrona producenta wygasła. Polisa zapewnia organizację i pokrycie kosztów dojazdu specjalisty oraz robocizny.

  • Opieka nad mieniem po szkodzie

Assistance może być także przydatne po takiej szkodzie, jak np. pożar czy zalanie. Gdy po tego typu zdarzeniu nieruchomość nie nadaje się do dalszego zamieszkiwania, ubezpieczyciel zapewni organizację i pokrycie kosztów transportu rzeczy ubezpieczonej osoby do najbliższej przechowalni mebli czy magazynu, a także zabezpieczy przechowanie go np. na czas remontu.

  • Transport do hotelu lub najbliższych

Towarzystwo ubezpieczeń może także wziąć na siebie organizację i pokrycie kosztów transportu ubezpieczonego z nieruchomości, gdy nie nadaje się ona do zamieszkania. Celem podróży może być najbliższy hotel lub adres osoby prywatnej, która mieszka na terenie Polski. W zależności od ubezpieczyciela zasady pokrycia kosztów mogą być różne. Dla przykładu: w Compensie pokrywane są koszty odpowiadające cenie biletu kolejowego pierwszej klasy, autobusowego lub lotniczego, jeżeli podróż dwoma pierwszymi środkami lokomocji okaże się dłuższa niż 8 godzin.

  • Usługi Concierge

Ta kategoria usług polega na pomocy w przeprowadzaniu niektórych codziennych czynności. Co to oznacza w praktyce? Ubezpieczyciel w imieniu swojego klienta zarezerwuje, zakupi i dostarczy pod wskazany adres bilety na imprezę sportową czy kulturalną, a także zakupy, kwiaty lub prezenty. Może również na życzenie klienta dokonać rezerwacji pokoju w hotelu, biletów na podróż czy stolika w restauracji. Zorganizuje również opiekę do dzieci oraz usługi związane z serwisowaniem  samochodu, jak np. mycie, konserwacja, naprawa czy niezbędne przeglądy.

  • Opieka nad psami i kotami

W ramach tej usługi ubezpieczyciel zapewnia opiekę nad zwierzętami (w domu lub mieszkaniu), gdy ich właściciel nie będzie mógł się nimi zająć, ponieważ nagle zachoruje i w związku z tym trafi do szpitala.

Założenie stojące za ubezpieczeniem assistance jest takie: świadczone w ramach polisy usługi mają ułatwić właścicielowi aktywności związane z posiadaniem i użytkowaniem nieruchomości, a także być wsparciem w tzw. czynnościach dnia codziennego. Warto pamiętać, że oprócz pracy fachowców assistance zapewnia pomoc w szeregu innych spraw, które na pewno mogą przysporzyć problemów, gdy załatwia się je na własną rękę – tłumaczy Andrzej Paduszyński.

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