Ubezpieczenie roweru i rowerzysty
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Jazda na rowerze - czy rekreacyjna, czy sportowa niesie ze sobą pewne ryzyko odniesienia obrażeń, wyrządzenia krzywdy osobie trzeciej, czy też w końcu utraty roweru na skutek kradzieży. Warto się przed tymi zagrożeniami zabezpieczyć wykupując odpowiednia polisę ubezpieczeniową.
Do dyspozycji mamy trzy rodzaje polis:
- od kradzieży (AC)
- odpowiedzialności cywilnej (OC)
- od następstw nieszczęśliwych wypadków (NNW)
Ubezpieczenie od kradzieży (Casco)
Identycznie, jak w przypadku ubezpieczeń samochodowych, polisa Casco (w przypadku pojazdów mechanicznych - Auto Casco - AC) chroni nas od strat związanych z kradzieżą i uszkodzeniem pojazdu - w naszym przypadku: roweru. Właścicieli najbardziej interesuje ubezpieczenie od kradzieży cennych dwóch kółek. Niestety oferta i warunki przedstawiane przez towarzystwa ubezpieczeniowe nie są zbyt atrakcyjne.
Zanim przystąpimy do omawiania poszczególnych ofert musimy rozważyć dwa przypadki utraty roweru:
- Rower jest przechowywany w zamkniętym pomieszczeniu - czyli po prostu o trzymamy go w domu, garażu, piwnicy lub innym zamykanym pomieszczeniu, gdy nim nie jeździmy. Bardzo często jest on traktowany jako tzw. "ruchomość domowa" i jest objęta zwykłym ubezpieczeniem mieszkania lub domu od kradzieży z włamaniem. Jednak musimy tutaj uważać: duże znaczenie ma gdzie przechowujemy rower i w jaki sposób jest zamknięte pomieszczenie. Jeśli jest to zamieszkane mieszkanie - nie powinno być żadnych problemów, jeśli jest to piwnica lub garaż - często jest określone, że maksymalna kwota odszkodowania to np. 5% sumy ubezpieczenia mieszkania. Czyli jeśli ruchomości mieszkania mamy ubezpieczona na 20.000 zł to za skradziony z piwnicy rower maksymalnie - niezależnie od jego wartości otrzymamy 1000 zł. Mało tego - często w przypadku najtańszych wersji ubezpieczeń - te pomieszczenia nie są nim objęte. Druga sprawa to sposób zabezpieczenia pomieszczeń tego typu (gospodarczych). Mając na względzie, że wiele piwnic jest w ogóle nie zabezpieczona, ubezpieczyciele określają w jaki sposób należy to zrobić. Np. firma Uniqa określa, że pomieszczenie musi być zamknięte na minimum dwa zamki.
- Rower jest użytkowany - czyli jedziemy sobie na wycieczkę lub do sklepu. Teraz znowu mamy dwa przypadki:
- Rabunek: podczas jazdy dochodzi do rabunku, czyli zaboru mienia przy użyciu lub groźbie natychmiastowego użycia przemocy fizycznej wobec ubezpieczonego albo doprowadzeniu go do stanu nieprzytomności lub bezbronności. Taki przypadek obejmuje jedynie ubezpieczenie "Bezpieczny Rowerzysta" oferowane przez PZU.
- Kradzież - Dojechaliśmy do sklepu, przypinamy nasz pojazd zapięciem do stojaka i idziemy na zakupy. Kiedy wracamy roweru już nie ma. To jest najcięższy przypadek do ubezpieczenia i na dzień dzisiejszy w żadnym towarzystwie ubezpieczeniowym nie ubezpieczymy się od kradzieży roweru tego typu.
Pamiętajmy że na wszystko musimy mieć "kwity". Począwszy od samego roweru - aby udowodnić jego wartość warto trzymać wszystkie rachunki, dowody zakupu, faktury z zakupu samego roweru, jak i części do niego. W przypadku rozboju lub włamania obowiązkowo trzeba powiadomić policję - bez tego nie mamy nawet po co iść do ubezpieczyciela. Zawsze warto mieć oczywiście świadka, który na piśmie potwierdzi że widział rozbój.
Ubezpieczenie odpowiedzialności cywilnej (OC)
Ubezpieczenie od Odpowiedzialności Cywilnej, to coraz popularniejszy "produkt". Lekarze, prawnicy ubezpieczają się np. od ryzyka popełnienia błędu w czasie wykonywania zawodu. Do kompleksowego ubezpieczenia mieszkania można wykupić polisę OC, zabezpieczająca np. przed roszczeniami osób poszkodowanych w naszym mieszkaniu - kiedy np. ktoś zostanie pogryziony przez naszego psa lub spadnie ze schodów. Dla wielu wydaje się to dziwne, ale jeśli przykładowo potknęliśmy się o wystająca płytę chodnikowa i złamaliśmy nogę, to dlaczego nie domagać się z tytułu szkody odszkodowania od gminy ?
Także i rowerzyści maja wiele możliwości popełnienia szkody. Wyobraźmy sobie najprostszą sytuację. Jedziemy po ulicy i zbliżając się do świateł potrącamy lusterko od samochodu. Tak się składa, że jest to drogi samochód - np nowy model Mercedesa. Lusterko do takiego modelu może kosztować nawet kilka tysięcy złotych. Co w takim wypadku? Jeśli nie mamy ubezpieczenia, kierowca może zażądać zwrotu pieniędzy na naprawę szkody. Jeżeli nie zgadzamy się na to - on pozywa nas do sądu. Sprawa oczywiście nie trwa krótko, ale summa summarum musimy zapłacić odszkodowanie + koszty postępowania sadowego. Nieciekawa sytuacja - musicie przyznać. A wystarczyło ubezpieczyć się od odpowiedzialności cywilnej. Koszt takiego ubezpieczenia jest z reguły niewielki - np. w Compensie wynosi on 25 zł za rok na sumę 20.000 zł.
Na całe szczęście w przypadku tego rodzaju ubezpieczeń ofert na rynku jest więcej niż poprzedniego rodzaju. Nie są to co prawda specjalnie przeznaczone dla rowerzystów oferty (poza dwoma wyjątkami), ale wchodzą w skład ubezpieczeń OC w życiu prywatnym.
Praktycznie każde towarzystwo zastrzega sobie wyłączenie odpowiedzialności za szkody wyrządzone umyślnie (np. bójka), osobom bliskim ubezpieczonego, podczas kierowania rowerem w stanie nietrzeźwości albo w stanie po użyciu narkotyków lub innych środków odurzających. Również wiele polis nie obejmuje wyczynowego uprawiania sportu.
Ubezpieczenie następstw nieszczęśliwych wypadków (NNW)
Chodzi tutaj o trwałe następstwa nieszczęśliwych wypadków, polegające na uszkodzeniu ciała lub rozstroju zdrowia, powodujące trwały uszczerbek na zdrowiu lub śmierć ubezpieczonego. Za nieszczęśliwy wypadek uważa się nagłe zdarzenie wywołane przyczyną zewnętrzną. Mówiąc prościej wypadkowi ulegamy np. gdy jedziemy na rowerze po ulicy i potrąca nas samochód lub w górach wpadamy na drzewo. Doznajemy obrażeń takich jak złamana ręka czy stłuczona głowa i trafiamy do szpitala, gdzie jesteśmy leczeni. Jeśli mamy polisę zawierającą NNW otrzymamy odszkodowanie z tytułu procentowego uszczerbku na zdrowiu. Po zakończeniu leczenia udajemy się na specjalną komisję lekarską, która ocenia uszczerbek na zdrowiu - czyli jakby " ile procent zdrowia utraciliśmy". Przykładowo: za bardziej skomplikowane złamanie ręki może to być np. 4%, za utratę kciuka: 20%, za utratę wzroku w jednym oku: 30%, utratę funkcji całej ręki: 70%. Następnie ubezpieczyciel mnoży sumę procentów (jeśli było kilka uszkodzeń) razy sumę ubezpieczenia, która wynosi przykładowo w PZU do 50.000 zł.
Dodatkowo niektóre firmy zwracają koszty transportu z miejsca wypadku do szpitala lub ambulatorium, nabycia protez i środków pomocniczych, przeszkolenia zawodowego inwalidów lub pobytu w szpitalu. Podobnie jak w przypadku OC ubezpieczyciele zastrzegają sobie wyłączenie odpowiedzialności w pewnych przypadkach.
Jakie ubezpieczenie na rower?
Zanim przejdziemy do omawiania oferty ubezpieczeń dla rowerzystów na polskim rynku możemy od razu zdradzić, że obecnie (wiosna'2016) tylko dwie firmy oferują specjalne dedykowane dla rowerzystów ubezpieczenie:
- PZU: "Bezpieczny Rowerzysta"
- TU Europa: "Ubezpieczenie Rowerzysty"
W 2016 roku firma UNIQA zaoferowała ubezpieczenie "Bezpieczny Rowerzysta", ale jest ono dostępne tylko dla osób kupujących rowery w marketach sieci Auchan. Nie ma możliwości jego zakupu indywidualnie, dlatego nie będziemy go brać pod uwagę w naszym zestawieniu.
Jest niezrozumiałe dla nas - dlaczego jest tak uboga oferta ubezpieczeń tego tupu, szczególnie, że tak naprawdę każde z nich składa się ze standardowych ubezpieczeń: AC, OC i NNW.
Czym charakteryzuje się specjalne ubezpieczenie dla rowerzysty? Naszym zdaniem:
- powinno być długoterminowe - najlepiej na cały rok (albo na kilka miesięcy - jeśli nie jeździmy na rowerze cały rok),
- powinno zawierać ubezpieczenie od Odpowiedzialności Cywilnej - które zabezpieczy nas w momencie jak komuś wyrządzimy szkodę jadąc na rowerze (np niechcący urwiemy lusterko w samochodzie),
- powinno zawierać ubezpieczenie Następstw Nieszczęśliwych Wypadków - które gwarantuje nam wypłatę odszkodowania (niezbyt dużego) za trwały uszczerbek na zdrowiu.
Nasz przegląd oferty ubezpieczeń dla rowerzystów na polskim rynku:
Tagi: porady
, ubezpieczenie rowerzysty
, ubezpieczenie roweru
, ubezpieczenie OC rowerzysty
, warta
, PZU
, hestia
Zobacz także:
KOMENTARZE
2021-03-30 09:07 anonim |
12 simple exercises to develop "phenomenal memory":
1. Improve the memorization process
When memorizing something, you need to think about the action, draw parallels with your life. Let's just say, the more associations you make, the more you will be able to remember what you want.
2. Try to remember yourself
There are times when you forgot your partner's phone number, or the name and patronymic of a person with whom you have an important meeting, etc. Do not rush to open your notebook just to read the necessary information. Try to remember it yourself. This information is already "on the shelf in your head", you just have to find it.
3. Create similar looks
If you need to remember something important, try to create an image in your mind that is associated with what you need to remember. It will be easier for the brain to do this.
4. Speak the information received
When you want to remember important information, try retelling it, or explaining it to another person. The memorization process becomes better when you speak the information received.
5. Do arithmetic
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When you have nothing to keep yourself busy in boring and long lines, try to start solving very simple arithmetic problems in your head. For example, multiply the number of legs of those red chairs by the number of flowerpots on the windowsill. Or count the sum of numbers on the numbers of passing cars ... This practice is actually an excellent memory training. 6. Remember what happened to you during the day
Before going to bed, after the day, scroll through all its details in your head. What did you do throughout the day, what would you do to improve some points. Think back to your day. From now until awakening. Believe me, this is not an easy task! Ask the question: "Which decision I made today was the most effective?"
7. Read more books!
What could be better than spending your free time reading an interesting and useful book? When reading a book, the brain strains to memorize the details. In addition, you turn on your imagination and begin to visualize everything that you read about. This is great for training the brain.
8. Study verses and text passages
At school we were asked to learn poems for a reason. Memorizing rhymed verses and non-rhymed passages of text helps develop memory. So learn the verses. Try to choose those pieces that you really like 9. Don't try to cram!
Remember how at school / university we could memorize the information we needed to get a good grade? Forget about it. This technique does not help develop memory. Dull cramming is ineffective. It tires the brain, and it quickly stops responding to the information it receives. Better ponder on what you read. You need to not only learn, but also understand what you are reading.
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10. Repeat
But it's still worth repeating the material covered. Not to cram, but to repeat - to refresh your memory. As they say: "Repetition is the mother of learning." Repeat the information received. Every day, for example, 5 days. Repeat what you learned. This information will be deposited in long-term memory, and you can easily get it from there.
11. Don't be lazy
You will never be able to achieve something and remember something if you are lazy. Laziness is the rust of the mind. Don't let it take over your memory. Resist the temptation to lie idle on the couch. Take a book or turn on some relaxing music. This will force your brain to work and thus improve your memory, while you physically rest. And if you need to remember something, then quickly connect all the resources.
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1. Improve the memorization process
When memorizing something, you need to think about the action, draw parallels with your life. Let's just say, the more associations you make, the more you will be able to remember what you want.
2. Try to remember yourself
There are times when you forgot your partner's phone number, or the name and patronymic of a person with whom you have an important meeting, etc. Do not rush to open your notebook just to read the necessary information. Try to remember it yourself. This information is already "on the shelf in your head", you just have to find it.
3. Create similar looks
If you need to remember something important, try to create an image in your mind that is associated with what you need to remember. It will be easier for the brain to do this.
4. Speak the information received
When you want to remember important information, try retelling it, or explaining it to another person. The memorization process becomes better when you speak the information received.
5. Do arithmetic
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When you have nothing to keep yourself busy in boring and long lines, try to start solving very simple arithmetic problems in your head. For example, multiply the number of legs of those red chairs by the number of flowerpots on the windowsill. Or count the sum of numbers on the numbers of passing cars ... This practice is actually an excellent memory training. 6. Remember what happened to you during the day
Before going to bed, after the day, scroll through all its details in your head. What did you do throughout the day, what would you do to improve some points. Think back to your day. From now until awakening. Believe me, this is not an easy task! Ask the question: "Which decision I made today was the most effective?"
7. Read more books!
What could be better than spending your free time reading an interesting and useful book? When reading a book, the brain strains to memorize the details. In addition, you turn on your imagination and begin to visualize everything that you read about. This is great for training the brain.
8. Study verses and text passages
At school we were asked to learn poems for a reason. Memorizing rhymed verses and non-rhymed passages of text helps develop memory. So learn the verses. Try to choose those pieces that you really like 9. Don't try to cram!
Remember how at school / university we could memorize the information we needed to get a good grade? Forget about it. This technique does not help develop memory. Dull cramming is ineffective. It tires the brain, and it quickly stops responding to the information it receives. Better ponder on what you read. You need to not only learn, but also understand what you are reading.
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10. Repeat
But it's still worth repeating the material covered. Not to cram, but to repeat - to refresh your memory. As they say: "Repetition is the mother of learning." Repeat the information received. Every day, for example, 5 days. Repeat what you learned. This information will be deposited in long-term memory, and you can easily get it from there.
11. Don't be lazy
You will never be able to achieve something and remember something if you are lazy. Laziness is the rust of the mind. Don't let it take over your memory. Resist the temptation to lie idle on the couch. Take a book or turn on some relaxing music. This will force your brain to work and thus improve your memory, while you physically rest. And if you need to remember something, then quickly connect all the resources.
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2021-03-31 21:10 anonim |
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2021-04-01 03:18 anonim |
What is MBA education?
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(Master of Business Administration, master of business administration) is not so much a training program as a Manager's degree (in management). Here it is important to have it, which indicates that you have the skills necessary for a middle-and senior-level Manager. To date, there is no single standard that would allow you to divide the degree of proficiency in these skills, so only the fact of having a corresponding diploma is taken into account.
The first version of such a training system began to be used in the United States in the 19th century. for many companies of that time, employees who knew the latest management methods were in demand. With
In our country, the MBA program started at the branch of the Plekhanov economic Institute. Since then, the standard has taken root and MBA education is now considered one of the mandatory for prestigious vacancies in the economic sphere.
What is the" strength " of MBA education?
As with any other type of training for MBA education, there may be pros and cons. So among the main positive qualities can be noted.
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The opportunity to gain in-depth knowledge in the field of business, from which you can get practical benefits in your daily work.
Increased chances of becoming the head of a large firm. The owners of this education are guaranteed to move up the career ladder.
Getting first-hand knowledge from world-class businessmen, and perhaps even from Nobel prize winners.
A great opportunity to get a job abroad or in our country, but in an international organization.
In General, MBA education increases the qualification level of a specialist, making it more competitive in the job market. But there are a few disadvantages.
For example, today young professionals who have just graduated from UNIVERSITY are trying to get an MBA right away. The motivation is obvious — they want to immediately get a job in a prestigious company for a high-paying position with a career growth forecast. And there may be no time to get additional education in the future. But here's the problem — the MBA provides practical knowledge in contrast to the usual "HSE", which would be better compared with your own business experience. This is the only way to highlight in the entire course the knowledge that will really help in a particular situation. And without experience, everything becomes nothing more than an interesting educational program.
The second disadvantage is again hidden in the lack of practical experience for most of the owners of MBA crusts. It is difficult for them to apply the existing knowledge in practice, they do it with caution, sometimes being late with responsible decisions. To work successfully in a rapidly changing market, you need to work for many years to develop the skills to solve complex problems on the fly.
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(Master of Business Administration, master of business administration) is not so much a training program as a Manager's degree (in management). Here it is important to have it, which indicates that you have the skills necessary for a middle-and senior-level Manager. To date, there is no single standard that would allow you to divide the degree of proficiency in these skills, so only the fact of having a corresponding diploma is taken into account.
The first version of such a training system began to be used in the United States in the 19th century. for many companies of that time, employees who knew the latest management methods were in demand. With
In our country, the MBA program started at the branch of the Plekhanov economic Institute. Since then, the standard has taken root and MBA education is now considered one of the mandatory for prestigious vacancies in the economic sphere.
What is the" strength " of MBA education?
As with any other type of training for MBA education, there may be pros and cons. So among the main positive qualities can be noted.
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The opportunity to gain in-depth knowledge in the field of business, from which you can get practical benefits in your daily work.
Increased chances of becoming the head of a large firm. The owners of this education are guaranteed to move up the career ladder.
Getting first-hand knowledge from world-class businessmen, and perhaps even from Nobel prize winners.
A great opportunity to get a job abroad or in our country, but in an international organization.
In General, MBA education increases the qualification level of a specialist, making it more competitive in the job market. But there are a few disadvantages.
For example, today young professionals who have just graduated from UNIVERSITY are trying to get an MBA right away. The motivation is obvious — they want to immediately get a job in a prestigious company for a high-paying position with a career growth forecast. And there may be no time to get additional education in the future. But here's the problem — the MBA provides practical knowledge in contrast to the usual "HSE", which would be better compared with your own business experience. This is the only way to highlight in the entire course the knowledge that will really help in a particular situation. And without experience, everything becomes nothing more than an interesting educational program.
The second disadvantage is again hidden in the lack of practical experience for most of the owners of MBA crusts. It is difficult for them to apply the existing knowledge in practice, they do it with caution, sometimes being late with responsible decisions. To work successfully in a rapidly changing market, you need to work for many years to develop the skills to solve complex problems on the fly.
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2021-04-01 15:48 anonim |
Home education pitfalls.
We lived in a provincial town. I was very surprised that before us in a neighboring school from the 8th grade, parents took their son to family training. My father taught me. The headmaster of that school proudly announced that the boy returned a year later: "It was hard." The boy pulled it out, passed it well, but didn't want to do it again.
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The first pitfall
What happened to the first boy in family training in our city is the first pitfall. We came across it in the 5th grade. This is the desire of teachers to interrogate (do not ask!) a non-standard student on all issues. No student answers on all topics in all subjects. Only those who are in family training.
I was acutely aware of the teachers ' desire to prove that the system they serve is better. So that others don't get hurt. We found a way out: another school.
Choose the form of training: external. They will impose fewer requirements.
The second pitfall
My mother-in-law worked as a teacher all her life. The students loved her. She took our idea of home education badly. We were lucky to live in different cities.
Once she arrived for 2 days and, as it turned out, did not have time to go to school! I wanted to talk to the class teacher, so that the girl was asked more strictly, so that she didn't want to study at home.
It was a failed betrayal. Sticks in the wheels can be inserted by anyone who does not feel sorry for the child. Such people were always on the way. But my own grandmother...
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My parents didn't agree with our decision either. However, the grandfather wrote to his granddaughter: "Don't see that your mother and I disagree. Listen to your mother, no one loves you more than her."
Detractors are the second pitfall. Inevitable. The worst thing is when it's relatives.
The third pitfall
Natasha finished 10th and 11th grade in one year. 3 times I wanted to drop out of school. Overwork. What held her back was the thought of those who would also study as an external student after her. She knew that she was paving the wa
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We lived in a provincial town. I was very surprised that before us in a neighboring school from the 8th grade, parents took their son to family training. My father taught me. The headmaster of that school proudly announced that the boy returned a year later: "It was hard." The boy pulled it out, passed it well, but didn't want to do it again.
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The first pitfall
What happened to the first boy in family training in our city is the first pitfall. We came across it in the 5th grade. This is the desire of teachers to interrogate (do not ask!) a non-standard student on all issues. No student answers on all topics in all subjects. Only those who are in family training.
I was acutely aware of the teachers ' desire to prove that the system they serve is better. So that others don't get hurt. We found a way out: another school.
Choose the form of training: external. They will impose fewer requirements.
The second pitfall
My mother-in-law worked as a teacher all her life. The students loved her. She took our idea of home education badly. We were lucky to live in different cities.
Once she arrived for 2 days and, as it turned out, did not have time to go to school! I wanted to talk to the class teacher, so that the girl was asked more strictly, so that she didn't want to study at home.
It was a failed betrayal. Sticks in the wheels can be inserted by anyone who does not feel sorry for the child. Such people were always on the way. But my own grandmother...
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My parents didn't agree with our decision either. However, the grandfather wrote to his granddaughter: "Don't see that your mother and I disagree. Listen to your mother, no one loves you more than her."
Detractors are the second pitfall. Inevitable. The worst thing is when it's relatives.
The third pitfall
Natasha finished 10th and 11th grade in one year. 3 times I wanted to drop out of school. Overwork. What held her back was the thought of those who would also study as an external student after her. She knew that she was paving the wa
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