{"id":824,"date":"2024-12-07T19:49:39","date_gmt":"2024-12-07T19:49:39","guid":{"rendered":"https:\/\/ekotransportas.lt\/index.php\/2024\/12\/07\/elektromobiliai-ir-namu-draudimas-rizika-kuria-reikia-zinoti\/"},"modified":"2024-12-07T19:49:39","modified_gmt":"2024-12-07T19:49:39","slug":"elektromobiliai-ir-namu-draudimas-rizika-kuria-reikia-zinoti","status":"publish","type":"post","link":"https:\/\/ekotransportas.lt\/index.php\/2024\/12\/07\/elektromobiliai-ir-namu-draudimas-rizika-kuria-reikia-zinoti\/","title":{"rendered":"Elektromobiliai ir nam\u0173 draudimas: rizika, kuri\u0105 reikia \u017einoti"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div class=\"wp-block-drive-blocks-standfirst\">\n<p class=\"text-xl leading-8 font-light not-italic font-poppins\">Ar turite pasakyti savo draudikui, kad namuose turite elektromobilio \u012fkrovikl\u012f? Ar d\u0117l to j\u016bs\u0173 priemoka padid\u0117s, be to, ar b\u016bsite apdrausti gaisro atveju? Mes turime atsakymus.<\/p>\n<\/div>\n<div class=\"wp-block-drive-blocks-gallery\">\n<figure class=\"wp-container-10 wp-block-gallery-9 wp-block-gallery has-nested-images columns-default is-cropped\">\n<figure class=\"wp-block-image size-large\"><\/figure>\n<\/figure>\n<\/div>\n<p>Jei neseniai \u012fsigijote elektromobil\u012f arba galvojate j\u012f \u012fsigyti, \u017einote, kad j\u012f turite apdrausti taip pat, kaip ir bet kuri\u0105 kit\u0105 transporto priemon\u0119 \u2013 bet kaip pakeisti b\u016bsto draudim\u0105?<\/p>\n<p><strong>SUSIJ\u0118S: Ar saul\u0117s energijos pakanka \u012fkrauti elektromobil\u012f?<\/strong><\/p>\n<p>Ar jums taip pat reikia dangos, jei \u012fkrovimo blok\u0105 \u012fsireng\u0117te namuose, gara\u017ee, stogin\u0117je ar net darbo vietoje? <\/p>\n<p>\u0160tai k\u0105 pagrindiniai Australijos draudikai mums papasakojo apie b\u016bsto draudimo apsaug\u0105, kurios jums reikia (ir kurios nereikia), jei investuojate \u012f elektromobil\u012f ir \u012fkrovikl\u012f. <\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Turinys:<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/ekotransportas.lt\/index.php\/2024\/12\/07\/elektromobiliai-ir-namu-draudimas-rizika-kuria-reikia-zinoti\/#Ar_man_reikia_EV_ikroviklio_draudimo\" >Ar man reikia EV \u012fkroviklio draudimo?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/ekotransportas.lt\/index.php\/2024\/12\/07\/elektromobiliai-ir-namu-draudimas-rizika-kuria-reikia-zinoti\/#Ar_busto_draudimas_apima_elektromobiliu_gaisrus\" >Ar b\u016bsto draudimas apima elektromobili\u0173 gaisrus?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 id=\"h-do-i-need-insurance-for-an-ev-charger\"><span class=\"ez-toc-section\" id=\"Ar_man_reikia_EV_ikroviklio_draudimo\"><\/span>Ar man reikia EV \u012fkroviklio draudimo?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Taip ir ne. Nors perkant nam\u0105 rekomenduojama apsidrausti kiekvienam b\u016bsto savininkui, tai n\u0117ra teisinis reikalavimas.<\/p>\n<p>Remiantis RACV, jums nereikia prane\u0161ti savo draudikui, kad specialiai \u012fdieg\u0117te EV \u012fkrovikl\u012f, bet kadangi tai gali b\u016bti brangus prietaisas, galb\u016bt nor\u0117site j\u012f \u012ftraukti \u012f polis\u0105.<\/p>\n<p>\u201eRACV b\u016bsto draudimo polis\u0173 tur\u0117tojai neprivalo informuoti RACV, kai j\u0173 nuosavyb\u0117je yra sumontuotas elektromobili\u0173 \u012fkroviklis\u201c, \u2013 sak\u0117 atstovas.<\/p>\n<p>\u201eRekomenduojama, kad draud\u0117jas per\u017ei\u016br\u0117t\u0173 savo draudimo sum\u0105, kad \u012fsitikint\u0173, jog jos u\u017etenka \u012fkroviklio kainai, tod\u0117l draudimo \u012fmoka gali padid\u0117ti.<\/p>\n<p>Tas pats pasakytina ir apie Suncorp, kuriame teigiama: \u201eM\u016bs\u0173 b\u016bsto draudimo polisams nereikalaujama atnaujinti savo duomen\u0173, jei \u012fdieg\u0117te elektromobilio \u012fkrovikl\u012f.<\/p>\n<p>\u201e\u012ekroviklis, nuolat pritvirtintas prie j\u016bs\u0173 nam\u0173, b\u016bt\u0173 \u012ftrauktas \u012f j\u016bs\u0173 nuosavyb\u0117s dal\u012f ir tur\u0117t\u0173 b\u016bti \u012ftrauktas \u012f bendr\u0105 draudimo sum\u0105.<\/p>\n<p>Ta\u010diau Australijos draudimo taryba parei\u0161k\u0117, kad tur\u0117tum\u0117te prane\u0161ti draudikui, kad \u012fdieg\u0117te \u012fkrovikl\u012f, nes tai gali sukelti pavoj\u0173.<\/p>\n<p>\u201eDid\u0117ja susidom\u0117jimas, kaip draudikai \u012fkainoja elektromobili\u0173 rizik\u0105, dabartinius elektromobiliams skirtus produktus ir elektromobili\u0173 \u012fkrovimo infrastrukt\u016br\u0105 ir ar galimas draudimas, kai pastatai yra modifikuojami, kad b\u016bt\u0173 paruo\u0161ti elektromobiliams\u201c, \u2013 sak\u0117 atstovas spaudai. <em>Vairuoti<\/em>.<\/p>\n<p>\u201eJei nekilnojamojo turto savininkai, pl\u0117totojai ar valdytojai \u012frengia elektromobili\u0173 \u012fkrovimo infrastrukt\u016br\u0105 naujame ar esamame nekilnojamojo turto objekte, tai yra esminis faktas, kur\u012f reik\u0117t\u0173 atskleisti draudikams ir \u012f j\u012f b\u016btina atsi\u017evelgti apdrausdama.<\/p>\n<p>\u201eRekomenduojama, kad draudikai ir j\u0173 klientai dalyvaut\u0173 i\u0161samiose diskusijose, kad b\u016bt\u0173 u\u017etikrinta tinkama draudimo apsauga, taip pat aptart\u0173, kaip spr\u0119sti galimus rizikos veiksnius.<\/p>\n<p>\u201eSkai\u010diuodami EV \u012fkrovikli\u0173 draudimo \u012fmok\u0105, draudikai gali \u012fvertinti \u012fvairius veiksnius, \u012fskaitant viet\u0105, \u012frengim\u0105 ir prie\u017ei\u016br\u0105, vagyst\u0119 ir klastojim\u0105, k\u016bno su\u017ealojim\u0105, atsakomyb\u0119 u\u017e gamin\u012f ir saugos taisykles bei nurodymus.<\/p>\n<div class=\"wp-block-drive-blocks-gallery\">\n<figure class=\"wp-container-12 wp-block-gallery-11 wp-block-gallery has-nested-images columns-default is-cropped\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" loading=\"lazy\" width=\"1920\" height=\"1080\" src=\"https:\/\/media.drive.com.au\/obj\/tx_rs:auto:1920:1080:1\/driveau\/upload\/cms\/uploads\/5f0c3fcd-643b-5b3d-af48-96bbb9a50000\" alt=\"Draudikai teigia, kad svarbu \u012fsitikinti, kad \u012fkroviklis yra saugus.\" class=\"wp-image-3381199\" \/><\/figure>\n<\/figure>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Ar_busto_draudimas_apima_elektromobiliu_gaisrus\"><\/span>Ar b\u016bsto draudimas apima elektromobili\u0173 gaisrus?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u010cia viskas tampa \u0161iek tiek miglotesn\u0117. Jei neprane\u0161\u0117te savo draudikui, kad turite elektromobili\u0173 \u012fkrovikl\u012f, yra tikimyb\u0117, kad gaisro atveju jis gali b\u016bti neapdraustas ir j\u016bs\u0173 b\u016bsto draudimas nebus apmok\u0117tas.<\/p>\n<p>Remiantis RACV, n\u0117ra bendros taisykl\u0117s, ta\u010diau \u012fsitikinti, kad EV \u012fkroviklis sumontuotas pagal teising\u0105 teisin\u012f standart\u0105, svarbu, jei norite b\u016bti tikri, kad kilus gaisrui atgausite pinigus.<\/p>\n<p>\u201eGaisro atveju bet kokia pretenzija b\u016bt\u0173 vertinama kiekvienu konkre\u010diu atveju\u201c, \u2013 nurod\u0117 RACV.<\/p>\n<p>\u201eTai gali apimti vis\u0173 atitinkam\u0173 Australijos standart\u0173 ir valstybini\u0173 paslaug\u0173 bei montavimo taisykli\u0173 patvirtinim\u0105, kad buvo laikomasi \u012fkrovimo stoties \u012frengimo ir prie\u017ei\u016bros taisykli\u0173.<\/p>\n<p>Suncorp sak\u0117 ka\u017ek\u0105 pana\u0161aus: \u201eElektrini\u0173 automobili\u0173 \u012fkrovikli\u0173 sukelti gaisrai paprastai yra u\u017edengti, ta\u010diau svarbu, kad jis b\u016bt\u0173 geros b\u016bkl\u0117s, gerai pri\u017ei\u016brimas ir tinkamai sumontuotas\u201c.<\/p>\n<div class=\"wp-block-drive-blocks-gallery\">\n<figure class=\"wp-container-14 wp-block-gallery-13 wp-block-gallery has-nested-images columns-default is-cropped\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/media.drive.com.au\/obj\/tx_rs:auto:1080:608:1\/driveau\/upload\/cms\/uploads\/9b493317-d7b7-5607-832e-6b27ed550000\" alt=\"\" class=\"wp-image-3421339\" \/><\/figure><figcaption class=\"blocks-gallery-caption\">Kreditas: Fire Rescue Victoria<\/figcaption><\/figure>\n<\/div>\n<p>Ta\u010diau Australijos draudimo taryba teigia, kad reikia atlikti daugiau tyrim\u0173, kad b\u016bt\u0173 galima suprasti nauj\u0173 technologij\u0173, pvz., elektrini\u0173 transporto priemoni\u0173, rizik\u0105.<\/p>\n<p>\u201eTyrimai rodo, kad keliuose registruoti elektromobiliai nekelia didesnio gaisro pavojaus nei ICE transporto priemon\u0117s; ta\u010diau kai \u012fvyksta EV baterij\u0173 gaisrai, juos reikia valdyti kitaip, o incidentui valdyti gali prireikti daugiau laiko, i\u0161tekli\u0173 ir vandens\u201c, \u2013 sak\u0117 atstovas.<\/p>\n<p>\u201ePrie\u0161gaisrini\u0173 tarnyb\u0173 duomenys taip pat patvirtina, kad incidentai, susij\u0119 su elektromobiliais ir j\u0173 infrastrukt\u016bra, \u0161iuo metu \u012fvyksta retai, ta\u010diau j\u0173 pasekm\u0117s gali b\u016bti didel\u0117s, tod\u0117l reikia sustiprinti gaisro gesinimo priemones.<\/p>\n<p>\u201eAtsi\u017evelgiant \u012f besivystan\u010di\u0105 rink\u0105, reikia nuolatini\u0173 tyrim\u0173 ir rinkos steb\u0117jimo, kad b\u016bt\u0173 galima gauti duomen\u0173 ir geriau suprasti, koki\u0105 rizik\u0105 ateityje gali kelti naujos technologijos, pvz., elektromobiliai ir j\u0173 \u012fkrovimo \u012frenginiai.<\/p>\n<p>\u201ePalyginti neseniai priimtas elektromobili\u0173 skai\u010dius rei\u0161kia, kad draudikai turi riboti naudojimo ir nuostoli\u0173 duomenis, \u012f kuriuos turi atsi\u017evelgti bandydami suprasti, tiksliai numatyti ir kainos rizik\u0105, susijusi\u0105 su did\u0117jan\u010diu elektromobili\u0173 skai\u010diumi.<\/p>\n<p><strong>DAUGIAU: Kiek kainuoja \u012fkrauti elektromobil\u012f 2024 m.?<\/strong><\/p>\n<p>The post Elektromobiliai ir nam\u0173 draudimas: rizika, kuri\u0105 reikia \u017einoti, first on Drive.<\/p>\n<p><br \/>\n<br \/><a href=\"https:\/\/www.drive.com.au\/caradvice\/electric-car-chargers-and-home-insurance-what-you-need-to-know-about-the-risks\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ar turite pasakyti savo draudikui, kad namuose turite elektromobilio \u012fkrovikl\u012f? Ar d\u0117l to j\u016bs\u0173 priemoka padid\u0117s, be to, ar b\u016bsite apdrausti gaisro atveju? Mes turime atsakymus. Jei neseniai \u012fsigijote elektromobil\u012f arba galvojate j\u012f \u012fsigyti, \u017einote, kad j\u012f turite apdrausti taip pat, kaip ir bet kuri\u0105 kit\u0105 transporto priemon\u0119 \u2013 bet kaip pakeisti b\u016bsto draudim\u0105? SUSIJ\u0118S: [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":825,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[69],"tags":[1511,118,800,614,667,1512,668],"class_list":["post-824","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-automobiliai-automobiliu-apzvalgos","tag-draudimas","tag-elektromobiliai","tag-kuria","tag-namu","tag-reikia","tag-rizika","tag-zinoti"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/ekotransportas.lt\/index.php\/wp-json\/wp\/v2\/posts\/824","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ekotransportas.lt\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ekotransportas.lt\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ekotransportas.lt\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ekotransportas.lt\/index.php\/wp-json\/wp\/v2\/comments?post=824"}],"version-history":[{"count":0,"href":"https:\/\/ekotransportas.lt\/index.php\/wp-json\/wp\/v2\/posts\/824\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekotransportas.lt\/index.php\/wp-json\/wp\/v2\/media\/825"}],"wp:attachment":[{"href":"https:\/\/ekotransportas.lt\/index.php\/wp-json\/wp\/v2\/media?parent=824"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekotransportas.lt\/index.php\/wp-json\/wp\/v2\/categories?post=824"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekotransportas.lt\/index.php\/wp-json\/wp\/v2\/tags?post=824"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}