9 na 10 wypadków zdarza się… podczas Świąt?

Wyjazdy do rodziny i przyjaciół czy dekorowanie domu choinkami i lampkami z pewnością sprawiają wiele przyjemności w trakcie Świąt, ale mogą także kończyć się nieprzyjemnymi sytuacjami. Oto 5 wypadków, które najczęściej zdarzają się w tym czasie oraz wskazówki, jak się przed nimi uchronić.

Okazja czyni złodzieja
Okres świąteczny to czas radości – niestety także dla złodziei. Kiedy my rozjeżdżamy się, by spędzić Święta z rodziną, opuszczone domy stają się łatwym łupem dla włamywaczy. Warto więc zadbać o to, by mieszkanie nie „zapraszało” przestępców. W tym celu możemy poprosić sąsiadów, aby co jakiś czas wyjmowali pocztę z naszej skrzynki i mieli oko na to, co dzieje się w okolicy domu – czy np. nie kręcą się wokół niego podejrzane osoby. Dobrym sposobem jest także zakup automatycznego włącznika światła. Pojawiające się co jakiś czas światło w oknach może skutecznie zdezorientować włamywacza. Warto też sprawdzić, czy w polisie ubezpieczenia naszego domu mamy ochronę mienia od ewentualnej kradzieży z włamaniem czy też dewastacji oraz czy polisa pokryje np. wymianę uszkodzonych zamków.

Choinka w ogniu
Czas przyczepiania do choinek zapalonych świeczek co prawda przeminął wraz z dymem z nadpalonych gałązek, ale nadal zdarzają się wypadki, podczas których świąteczne drzewko staje w płomieniach. Pozostawione bez nadzoru lampki choinkowe mogą doprowadzić do zwarcia przewodów elektrycznych, dlatego przed snem lub wyjściem z domu warto dla bezpieczeństwa wyjąć wtyczkę w kontaktu.

Faktycznie szkody z tytułu przepięć to najczęstsze przyczyny wypłat z polis ubezpieczenia domu czy mieszkania. Najczęściej są one w podstawowym zakresie, jednak istotne jest to, czy zakres ubezpieczenia obejmuje zaniedbania, bądź rażące niedbalstwo spowodowane przez domowników. W przypadku braku takiej opcji w polisie towarzystwo ubezpieczeniowe może odmówić wypłaty odszkodowania. Bardzo istotne jest również posiadanie aktualnego przeglądu instalacji elektrycznej – wymóg taki wynika z przepisów prawa budowalnego, a niedopilnowanie go może stanowić podstawę do obmowy wypłaty odszkodowania – mówi Karolina Trzeciakiewicz z ANG Spółdzielni.

Zepsuty samochód, a na horyzoncie jedynie drzewa
To brzmi jak początek kolejnego horroru, jednak taka sytuacja może nas spotkać także podczas świątecznych wypraw. Jeśli lewarek w żaden sposób nie kojarzy nam się z narzędziem do zmiany opon, to istnieje mała szansa, że samodzielnie poradzimy sobie z jakimkolwiek problemem samochodowym. Warto więc przed wyjazdem pomyśleć o pakiecie assistance, który zapewni nam pomoc w najróżniejszych sytuacjach – od rozładowanego akumulatora, przez brak paliwa po pękniętą oponę.

Dobry assistance to podstawa dla osób często podróżujących autem. Podstawowe pakiety dodawane są za darmo do lepszych polis OC oraz AC, jednak zakres ich pomocy jest bardzo ograniczony. Ubezpieczyciel pozwoli za darmo skorzystać jedynie z usług informacyjnych przez telefon lub zorganizuje i zapłaci za holowanie do określonej odległości i to tylko w razie wypadku. Rozszerzony assistance daje już dostęp do bardziej praktycznych usług, takich jak pomoc przy awarii auta z holowaniem na odległość kilkuset lub nawet bez limitu kilometrów, pojazd zastępczy na czas naprawy, nocleg w razie potrzeby czy też uruchomienie akumulatora, gdy pod domem nie odpali nam samochód. Taki assistance kupuje się na rok wraz z ubezpieczeniem OC i/lub AC auta, jednak są opcje wykupienia pomocy np. na 15 lub 30 dni – wyjaśnia Karolina Trzeciakiewicz.

Wśród nocnej ciszy krzyk się rozchodzi
Dekorowanie domu lampkami często wymaga wręcz akrobatycznych zdolności. Sytuacji nie ułatwiają oblodzone chodniki, na których „tańczą” drabiny. Przy tego typu czynnościach warto mieć pomocnika, który skutecznie zabezpieczy nas przed upadkiem. Nie zapominajmy też o regularnym odśnieżaniu chodników – nie chcemy mieć przecież na sumieniu złamania ręki u ulubionej sąsiadki.

Upadek przechodnia na nieodśnieżonym chodniku czy też sopel lodu wyrządzający krzywdę może sporo kosztować właściciela nieruchomości. Na nim bowiem ciąży obowiązek uprzątnięcia błota, śniegu, lodu i innych zanieczyszczeń z chodników położonych wzdłuż nieruchomości. Oznacza to, że gdy dojdzie do wypadku, uszczerbku na zdrowiu lub do uszkodzenia mienia z winy niedopilnowania przez właściciela powyższych obowiązków, będzie on zmuszony do pokrycia kosztów leczenia, wypłaty odszkodowania czy nawet renty poszkodowanemu. Można oczywiście zabezpieczyć się przed takimi kosztami wykupujący polisę odpowiedzialności cywilnej w życiu prywatnym – wtedy to ubezpieczyciel weźmie na siebie odpowiedzialność i pokryje tego typu koszty – mówi Karolina Trzeciakiewicz.

Zwierzęta może nie zawsze przemawiają ludzkim głosem, ale mogą narobić bałaganu
Filmiki z niesfornymi kotami wspinającymi się po choinkach w celu „upolowania” błyszczącej bombki to już klasyka gatunku. O ile nasze drzewko jest dobrze przytwierdzone do podłoża, a ozdoby nie stwarzają niebezpieczeństwa dla pupili, to możemy spać spokojnie. Gorzej, jeśli pod ciężarem zwierzaka choinka przewróci się na telewizor, ten z kolei na szklany stolik, pod którym leżał nowiutki laptop… Pamiętajmy, że to na nas spoczywa obowiązek zabezpieczenia tego typu pokus przed psem czy kotem, jeśli go nie dopełnimy, ubezpieczenie mienia może nie zadziałać.

Niestety szkody własne, czyli wyrządzone przez domowników, polegające na uszkodzeniu własnego mienia, bardzo często są wyłączone z ubezpieczenia albo dotyczą tylko kilku wskazanych przypadków, jak np. stłuczenie płyty indukcyjnej, szyby prysznicowej. Zalany laptop czy przewrócony telewizor może nas zatem bardzo dużo kosztować – dodaje Karolina Trzeciakiewicz.

Źródło: ANG Spółdzielnia

222 Replies to “9 na 10 wypadków zdarza się… podczas Świąt?

  1. I am also commenting to let you understand of the amazing encounter my friend’s child experienced viewing your webblog. She discovered so many issues, with the inclusion of what it is like to possess a very effective helping nature to let others without difficulty know specified very confusing subject matter. You truly did more than visitors’ desires. I appreciate you for distributing these interesting, trustworthy, educational and even unique tips on this topic to Ethel.

  2. Thanks so much for giving everyone an exceptionally memorable possiblity to read critical reviews from this website. It’s always so useful and jam-packed with fun for me personally and my office colleagues to visit the blog the equivalent of three times in a week to read through the fresh stuff you will have. And definitely, I am also usually satisfied concerning the surprising guidelines you give. Selected 4 areas in this article are in fact the most beneficial we have ever had.

  3. I have to show my affection for your generosity supporting those people who must have guidance on in this situation. Your very own dedication to passing the solution all through had become certainly invaluable and have consistently made somebody much like me to get to their ambitions. Your own valuable key points means a great deal a person like me and especially to my fellow workers. Many thanks; from each one of us.

  4. My wife and i felt now delighted that Raymond could do his analysis out of the precious recommendations he had from your weblog. It’s not at all simplistic just to possibly be giving out tips and tricks which often most people have been trying to sell. And we also do know we have got the website owner to be grateful to for this. The entire explanations you have made, the straightforward blog menu, the relationships you can make it easier to engender – it is most incredible, and it’s making our son and the family understand the content is enjoyable, which is certainly exceedingly serious. Thank you for the whole lot!

  5. I intended to send you a little bit of note to help say thanks as before with your incredible principles you’ve discussed here. It is really surprisingly open-handed with you to supply publicly what a number of people would’ve offered for an ebook to get some money for their own end, primarily now that you could possibly have tried it if you ever decided. These solutions likewise worked to become fantastic way to know that other individuals have the identical interest similar to my personal own to figure out more with respect to this issue. I know there are numerous more fun periods in the future for individuals that looked at your blog post.

  6. My spouse and i got so glad Emmanuel managed to carry out his studies by way of the precious recommendations he made in your weblog. It’s not at all simplistic to just continually be giving away hints some others may have been selling. We really see we have got the writer to be grateful to because of that. The illustrations you’ve made, the easy site navigation, the friendships you will help to promote – it is all terrific, and it’s really leading our son in addition to us reckon that this content is pleasurable, and that is particularly vital. Thanks for all!

  7. I’m just writing to let you be aware of what a great encounter my friend’s child developed going through your webblog. She noticed a wide variety of pieces, with the inclusion of what it’s like to have a wonderful coaching mood to let others really easily comprehend a number of advanced subject areas. You really exceeded visitors’ expectations. I appreciate you for displaying such valuable, trustworthy, explanatory and fun guidance on that topic to Janet.

  8. I simply wished to say thanks all over again. I am not sure the things I might have sorted out in the absence of those hints provided by you about such a area of interest. It was actually the difficult difficulty in my circumstances, however , observing your specialised approach you managed that made me to cry over contentment. Now i’m grateful for the work and hope you recognize what a powerful job you’re doing training others using your blog. I am sure you haven’t got to know all of us.

  9. My husband and i got so lucky John could finish up his studies using the ideas he got from your very own blog. It is now and again perplexing just to find yourself offering helpful hints which often some people might have been making money from. And we all acknowledge we’ve got the blog owner to be grateful to for this. The main illustrations you made, the simple website menu, the relationships you can make it easier to create – it is many extraordinary, and it’s making our son in addition to the family do think the matter is satisfying, and that’s truly serious. Many thanks for everything!

  10. My spouse and i got quite glad when Emmanuel managed to finish off his web research from the precious recommendations he was given when using the site. It is now and again perplexing just to possibly be making a gift of tips and tricks which many people may have been making money from. So we acknowledge we have got the blog owner to be grateful to for that. All of the explanations you’ve made, the straightforward website menu, the friendships your site make it easier to promote – it is everything astounding, and it is facilitating our son and us reckon that this matter is pleasurable, which is extraordinarily serious. Many thanks for all the pieces!

  11. I must express my gratitude for your kind-heartedness giving support to men and women that actually need help on this particular theme. Your personal dedication to passing the solution around has been wonderfully functional and has all the time encouraged many people like me to reach their goals. Your new insightful tips and hints indicates a lot to me and still more to my office colleagues. Thank you; from all of us.

  12. I and my pals were reading through the great tips and hints on your web site and quickly got a terrible feeling I had not expressed respect to the web site owner for those secrets. All the young boys ended up consequently passionate to read through them and already have pretty much been using those things. We appreciate you getting indeed considerate as well as for opting for varieties of good subject matter most people are really desirous to know about. Our own sincere apologies for not saying thanks to sooner.

  13. I’m just commenting to let you understand what a useful experience our daughter encountered checking your blog. She mastered numerous pieces, most notably what it is like to have an amazing helping mindset to let other individuals really easily know precisely a variety of advanced subject matter. You truly surpassed our own expected results. Many thanks for coming up with these important, safe, explanatory and also easy tips on your topic to Mary.

  14. I precisely desired to appreciate you all over again. I’m not certain the things I would’ve gone through in the absence of these information documented by you over this problem. It actually was the frustrating scenario in my circumstances, nevertheless observing a new specialized avenue you handled that took me to jump for fulfillment. Now i am happy for your assistance and thus believe you comprehend what a great job you happen to be undertaking instructing many people thru your blog post. I am certain you have never encountered all of us.

  15. I truly wanted to write a quick note in order to thank you for all of the splendid steps you are placing at this site. My time intensive internet search has at the end been compensated with high-quality ideas to go over with my neighbours. I 'd repeat that most of us visitors are unquestionably fortunate to exist in a remarkable website with many special professionals with good opinions. I feel very much privileged to have seen your entire weblog and look forward to plenty of more fun times reading here. Thanks a lot once more for a lot of things.

  16. I really wanted to make a small message to express gratitude to you for some of the pleasant facts you are placing on this site. My considerable internet look up has at the end been compensated with awesome ideas to exchange with my great friends. I 'd suppose that many of us website visitors actually are definitely blessed to exist in a fabulous website with very many lovely professionals with beneficial hints. I feel truly fortunate to have discovered the webpage and look forward to tons of more enjoyable minutes reading here. Thanks once more for everything.

  17. I definitely wanted to jot down a small note to thank you for those marvelous steps you are sharing on this site. My considerable internet research has now been honored with incredibly good facts and strategies to write about with my friends and family. I would believe that most of us readers are rather lucky to live in a remarkable site with very many wonderful individuals with beneficial plans. I feel very fortunate to have encountered the web page and look forward to tons of more entertaining times reading here. Thanks a lot again for all the details.

  18. Thanks for your entire labor on this web site. My mother delights in working on internet research and it is simple to grasp why. My spouse and i learn all about the powerful ways you produce priceless items through this blog and therefore attract contribution from some others on this matter so our favorite girl has been learning a lot. Take advantage of the rest of the new year. You have been conducting a pretty cool job.

  19. I precisely desired to thank you so much once again. I am not sure what I might have used in the absence of these ideas provided by you over my theme. Previously it was a real troublesome circumstance in my circumstances, nevertheless viewing this skilled technique you handled that made me to cry with contentment. Extremely happier for your help and in addition expect you really know what a powerful job that you’re providing educating many others by way of your blog post. I am sure you have never met all of us.

  20. Thank you for all your labor on this web site. My daughter really loves conducting internet research and it is easy to understand why. A number of us notice all relating to the powerful method you create powerful tips and hints by means of your blog and therefore invigorate participation from others on this area of interest and my princess has been discovering a lot of things. Take advantage of the remaining portion of the new year. You are always performing a really good job.

  21. I happen to be writing to let you be aware of of the useful encounter our girl encountered browsing your site. She came to find too many details, most notably how it is like to possess an ideal helping mood to let men and women completely fully understand a number of specialized issues. You actually surpassed people’s expectations. Thank you for churning out the powerful, trustworthy, educational and also fun guidance on this topic to Evelyn.

  22. Thank you for each of your efforts on this web site. My mum loves making time for research and it is obvious why. A lot of people hear all regarding the lively way you produce very useful guides via the web site and even inspire contribution from visitors on that idea plus our favorite daughter is really learning a whole lot. Take pleasure in the remaining portion of the year. You have been doing a first class job.

  23. My spouse and i have been quite joyful Raymond managed to finish off his reports through your ideas he discovered from your own weblog. It’s not at all simplistic just to find yourself handing out key points which other people may have been making money from. Therefore we understand we have got the writer to appreciate for this. Most of the explanations you made, the simple website navigation, the friendships your site help to instill – it’s got many sensational, and it is helping our son and the family do think the concept is entertaining, and that is extraordinarily essential. Many thanks for all!

  24. I am also commenting to let you know what a fine encounter my friend’s princess encountered visiting your web page. She picked up some things, not to mention what it is like to have an awesome teaching style to let most people with ease have an understanding of certain impossible issues. You undoubtedly did more than her desires. I appreciate you for delivering such beneficial, safe, revealing and also unique tips about your topic to Janet.

  25. I must convey my passion for your generosity giving support to persons who actually need help with the subject. Your special commitment to getting the solution up and down had become unbelievably productive and has without exception enabled workers much like me to realize their aims. Your insightful key points denotes a great deal to me and especially to my office workers. With thanks; from all of us.

  26. I in addition to my buddies happened to be checking out the excellent suggestions located on your web site while quickly I got a terrible feeling I had not expressed respect to the web site owner for those strategies. Those young boys are actually as a result passionate to read them and have now seriously been using them. I appreciate you for turning out to be quite thoughtful and then for considering variety of excellent guides millions of individuals are really eager to understand about. Our honest apologies for not saying thanks to earlier.

  27. I have to show appreciation to this writer just for bailing me out of this particular setting. As a result of looking out throughout the online world and finding suggestions which were not powerful, I believed my entire life was over. Being alive without the presence of answers to the issues you’ve resolved all through your entire short post is a serious case, and the ones which may have in a negative way damaged my entire career if I had not encountered your website. Your own personal understanding and kindness in dealing with every part was very helpful. I am not sure what I would’ve done if I hadn’t encountered such a thing like this. I am able to at this time relish my future. Thank you so much for the reliable and effective guide. I won’t hesitate to refer your web site to any individual who needs and wants counselling about this subject.

  28. I would like to show my affection for your generosity for women who should have guidance on this one matter. Your real commitment to passing the message all around ended up being incredibly significant and has consistently allowed girls just like me to get to their ambitions. Your insightful guide indicates a lot a person like me and especially to my peers. Many thanks; from each one of us.

  29. I as well as my buddies have been following the great information and facts from the website and immediately developed a horrible feeling I never thanked the website owner for them. Those guys appeared to be for this reason warmed to read through all of them and now have pretty much been taking advantage of these things. Appreciate your really being really considerate as well as for deciding on some brilliant ideas most people are really needing to understand about. Our own honest apologies for not expressing gratitude to you sooner.

  30. I must show appreciation to this writer just for rescuing me from this particular matter. Because of browsing through the online world and meeting tricks which are not powerful, I was thinking my life was well over. Being alive devoid of the strategies to the problems you have sorted out through your short article is a crucial case, as well as those which may have in a negative way affected my career if I hadn’t encountered your web blog. Your own knowledge and kindness in maneuvering all the details was vital. I’m not sure what I would have done if I hadn’t come upon such a point like this. It’s possible to at this time look ahead to my future. Thanks a lot very much for this expert and results-oriented help. I will not think twice to suggest your web site to any individual who needs care on this area.

  31. I have to show some appreciation to you just for bailing me out of this challenge. As a result of scouting throughout the world wide web and coming across basics which were not pleasant, I was thinking my entire life was over. Being alive without the solutions to the difficulties you’ve solved as a result of this website is a crucial case, as well as the ones that would have badly affected my career if I had not noticed your web page. Your skills and kindness in dealing with every item was vital. I am not sure what I would have done if I had not come upon such a step like this. It’s possible to at this time look forward to my future. Thanks for your time so much for your high quality and effective help. I will not hesitate to propose the website to anyone who would need guidance on this area.

  32. Needed to post you a little note in order to give many thanks once again relating to the wonderful tricks you’ve provided in this article. This has been surprisingly generous of people like you to supply publicly all that a number of us could have distributed as an e book to help make some bucks for their own end, and in particular now that you might have tried it if you ever desired. Those principles in addition acted to become great way to be aware that someone else have the same eagerness much like my very own to find out good deal more on the topic of this issue. I know there are millions of more pleasurable opportunities up front for many who discover your website.

Dodaj komentarz

Twój adres e-mail nie zostanie opublikowany.