{"id":11385511,"date":"2011-07-15T00:00:00","date_gmt":"2011-07-14T22:00:00","guid":{"rendered":"https:\/\/alertdiver.eu\/uncategorized-cs_cz\/club-nebo-pro-tipy-ohledne-odpovednosti\/"},"modified":"2011-07-15T00:00:00","modified_gmt":"2011-07-14T22:00:00","slug":"club-nebo-pro-tipy-ohledne-odpovednosti","status":"publish","type":"post","link":"https:\/\/alertdiver.eu\/cs_CZ\/clanky\/club-nebo-pro-tipy-ohledne-odpovednosti\/","title":{"rendered":"Club nebo Pro tipy ohledn\u011b odpov\u011bdnosti"},"content":{"rendered":"<p style=\"text-align: justify;\"><strong>T\u0158ET\u00cd STRANA A PROFESION\u00c1LN\u00cd ODPOV\u011aDNOST<\/strong><br \/> Pojistn\u00e9 produkty DAN t\u00fdkaj\u00edc\u00ed se pot\u00e1p\u011bn\u00ed nab\u00edzej\u00ed poji\u0161t\u011bn\u00ed &ldquo;\u0161it\u00e9 na m\u00edru&rdquo; pro rekrea\u010dn\u00ed a profesion\u00e1ln\u00ed pot\u00e1p\u011b\u010de, pot\u00e1p\u011b\u010dsk\u00e9 instruktory, pot\u00e1p\u011b\u010dsk\u00e9 \u0161koly i kluby. \u0160irok\u00e1 \u0161k\u00e1la p\u0159esn\u011b zam\u011b\u0159en\u00fdch pojistek a pojistn\u00fdch pl\u00e1n\u016f je sestavena tak, aby uspokojila specifick\u00e9 pot\u0159eby a po\u017eadavky vypl\u00fdvaj\u00edc\u00ed z nejr\u016fzn\u011bj\u0161\u00edch \u010dinnost\u00ed souvisej\u00edc\u00edch s pot\u00e1p\u011bn\u00edm.<br \/>&nbsp;<\/p>\n<p style=\"text-align: justify;\">Poji\u0161t\u011bn\u00ed by se nem\u011blo kupovat bez rozmyslu, nejd\u0159\u00edve je nutno polo\u017eit si n\u00e1sleduj\u00edc\u00ed ot\u00e1zky:<\/p>\n<ul>\n<li style=\"text-align: justify;\">Jak\u00fd druh poji\u0161t\u011bn\u00ed se hod\u00ed pro mne?<\/li>\n<li style=\"text-align: justify;\">Co se hrad\u00ed z m\u00e9 pojistky?<\/li>\n<li style=\"text-align: justify;\">Bude mi n\u011bco hrazeno z n\u011bjak\u00e9 pojistky, kde nejsem poji\u0161t\u011bncem?<\/li>\n<li style=\"text-align: justify;\">Kter\u00e1 pojistka plat\u00ed v p\u0159\u00edpad\u011b nehody?<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"> P\u0159\u00edslu\u0161n\u00e9 odpov\u011bdi se mus\u00ed vztahovat p\u0159\u00edmo na va\u0161e osobn\u00ed pot\u0159eby a po\u017eadavky. Poji\u0161\u0165ovna DAN Europe Insurance Brokers Ltd jako sou\u010d\u00e1st DAN Europe Group v\u00e1m r\u00e1da poskytne v\u0161echny pot\u0159ebn\u00e9 odpov\u011bdi. <br \/> Kdy\u017e se rozhodujete, jak\u00fd druh poji\u0161t\u011bn\u00ed vlastn\u011b pot\u0159ebujete, je odpov\u011b\u010f v p\u0159\u00edpad\u011b sportovn\u00edho pot\u00e1p\u011b\u010de celkem jednoduch\u00e1. Kdy\u017e se ale jedn\u00e1 o profesion\u00e1ln\u00ed odpov\u011bdnost instruktor\u016f\/pr\u016fvodc\u016f a jejich klub\u016f \/ pot\u00e1p\u011b\u010dsk\u00fdch st\u0159edisek, je ji\u017e mo\u017enost\u00ed v\u00edce a v\u00fdb\u011br pon\u011bkud slo\u017eit\u011bj\u0161\u00ed.<\/p>\n<p style=\"text-align: justify;\">Pot\u00e1p\u011b\u010dsk\u00fd klub by m\u011bl m\u00edt samoz\u0159ejm\u011b poji\u0161t\u011bn\u00ed na \u00fahradu plynouc\u00ed z odpov\u011bdnosti za t\u0159et\u00ed strany a profesion\u00e1ln\u00ed \u010dinnost, a to na sv\u00e9 vlastn\u00ed jm\u00e9no1; z takov\u00e9ho poji\u0161t\u011bn\u00ed by se vypl\u00e1cely \u010d\u00e1stky, za kter\u00e9 by pot\u00e1p\u011b\u010dsk\u00fd klub nesl ob\u010danskopr\u00e1vn\u00ed nebo z\u00e1konnou odpov\u011bdnost, tj. od\u0161kodn\u011bn\u00ed za nehody maj\u00edc\u00ed za n\u00e1sledek t\u011blesn\u00e9 zran\u011bn\u00ed nebo \u00fajmu na majetku, kter\u00e9\u017eto nehody se ud\u00e1ly p\u0159i provozov\u00e1n\u00ed slu\u017eeb pot\u00e1p\u011b\u010dsk\u00e9ho klubu v zemi sv\u00e9 \u010dinnosti.<\/p>\n<p style=\"text-align: justify;\"><strong>Kdo jsou ty &rsquo;t\u0159et\u00ed strany&rsquo;?<\/strong> V souvislosti s pot\u00e1p\u011bn\u00edm znamen\u00e1 term\u00edn &lsquo;t\u0159et\u00ed strana&rsquo; \u00fa\u010dastn\u00edky kurz\u016f, pot\u00e1p\u011b\u010de praktikuj\u00edc\u00ed p\u0159\u00edstrojov\u00e9 pot\u00e1p\u011bn\u00ed, kte\u0159\u00ed jsou zapojeni do technicko-v\u011bdeck\u00fdch \u010dinnost\u00ed, \u010dleny klubu, klienty poji\u0161t\u011bn\u00fdch pot\u00e1p\u011b\u010dsk\u00fdch st\u0159edisek i jedince z \u0161irok\u00e9 ve\u0159ejnosti. Zam\u011bstnanci pot\u00e1p\u011b\u010dsk\u00e9ho klubu\/st\u0159ediska se za &lsquo;t\u0159et\u00ed strany&rsquo; nepova\u017euj\u00ed.<br \/> <strong>Pot\u0159ebuje pot\u00e1p\u011b\u010dsk\u00e9 st\u0159edisko nebo klub sv\u00e9 vlastn\u00ed poji\u0161t\u011bn\u00ed, kdy\u017e v\u0161ichni jeho instrukto\u0159i \/ pr\u016fvodci jsou poji\u0161t\u011bni na svou vlastn\u00ed odpov\u011bdnost? <\/strong>Zde si mus\u00ed \u010dlov\u011bk polo\u017eit p\u0159edev\u0161\u00edm ot\u00e1zku, zdali by byl klub (nebo st\u0159edisko) \u017ealovateln\u00fd (\u017ealovateln\u00e9) t\u0159et\u00ed stranou, nehled\u011b na to, \u017ee by t\u0159et\u00ed strana \u017ealovala nap\u0159. i instruktora.<\/p>\n<p style=\"text-align: justify;\">Je velmi pravd\u011bpodobn\u00e9, \u017ee t\u0159et\u00ed strana by \u017ealovala ka\u017ed\u00e9ho, kdo m\u011bl s v\u011bc\u00ed n\u011bco spole\u010dn\u00e9ho a klub by mohl b\u00fdt pova\u017eov\u00e1n subjekt, kter\u00fd nese za p\u00e9\u010di o sv\u00e9 klienty\/\u010dleny vy\u0161\u0161\u00ed odpov\u011bdnost ne\u017e soukrom\u00e1 osoba. Zpravidla se tak\u00e9 o\u010dek\u00e1v\u00e1, \u017ee zam\u011bstnavatel ze z\u00e1kona odpov\u00edd\u00e1 za \u010dinnost sv\u00fdch zam\u011bstnanc\u016f, samoz\u0159ejm\u011b za tu, kterou vykon\u00e1vaj\u00ed p\u0159i pln\u011bn\u00ed sv\u00fdch pracovn\u00edch povinnost\u00ed. V ka\u017ed\u00e9m p\u0159\u00edpad\u011b lze o\u010dek\u00e1vat, \u017ee z poji\u0161t\u011bn\u00ed instruktora \/ pr\u016fvodce se od\u0161kodn\u00ed pouze a jen odpov\u011bdnost konkr\u00e9tn\u00edho instruktora \/ pr\u016fvodce, ur\u010dit\u011b ne odpov\u011bdnost, kterou nese jeho nad\u0159\u00edzen\u00fd. Jako p\u0159\u00edklad lze uv\u00e9st organizov\u00e1n\u00ed pot\u00e1p\u011b\u010dsk\u00fdch kurz\u016f, co\u017e je jedna (z mnoha) \u010dinnost\u00ed, za kterou nese odpov\u011bdnost pot\u00e1p\u011b\u010dsk\u00fd klub\/st\u0159edisko, jestli\u017ee n\u011bco nezanedbal samotn\u00fd instruktor. Poji\u0161t\u011bn\u00ed instruktora se na odpov\u011bdnost za takovou \u010dinnost nevztahuje, a to dokonce ani v p\u0159\u00edpad\u011b, kdyby byl organiz\u00e1tor s\u00e1m z\u00e1rove\u0148 i instruktorem.<\/p>\n<p style=\"text-align: justify;\"><strong>Pot\u0159ebuje si profesion\u00e1ln\u00ed instruktor \/ pr\u016fvodce zakoupit sv\u00e9&nbsp; osobn\u00ed poji\u0161t\u011bn\u00ed na odpov\u011bdnost za svou profesion\u00e1ln\u00ed \u010dinnost a za t\u0159et\u00ed stranu, kdy\u017e pot\u00e1p\u011b\u010dsk\u00fd klub \/ pot\u00e1p\u011b\u010dsk\u00e9 st\u0159edisko, pro kter\u00e9 pracuje, ji\u017e poji\u0161t\u011bn\u00ed m\u00e1?<\/strong> Zcela ur\u010dit\u011b plat\u00ed, \u017ee nejen pot\u00e1p\u011b\u010dsk\u00fd klub m\u016f\u017ee b\u00fdt \u017ealov\u00e1n jako pr\u00e1vnick\u00e1 osoba. Profesion\u00e1ln\u00ed pot\u00e1p\u011b\u010dsk\u00fd instruktor nebo pr\u016fvodce se m\u016f\u017ee rovn\u011b\u017e st\u00e1t ze z\u00e1kona odpov\u011bdn\u00fd za svou \u010dinnost provozovanou v pot\u00e1p\u011b\u010dsk\u00e9m klubu\/st\u0159edisku.<\/p>\n<p style=\"text-align: justify;\">Nav\u00edc existuje \u0159ada situac\u00ed, kdy se \u010dinnost instruktora\/pr\u016fvodce neprov\u00e1d\u00ed pouze pro pot\u00e1p\u011b\u010dsk\u00fd klub \/ pot\u00e1p\u011b\u010dsk\u00e9 st\u0159edisko, nap\u0159. jestli\u017ee instruktor pracuje &ldquo;na voln\u00e9 noze&rdquo;, nebo vezme p\u0159\u00edtele a&nbsp; poskytne mu lekci (nebo s n\u00edm provede ponor). Takov\u00e1 \u010dinnost samoz\u0159ejm\u011b nesouvis\u00ed s pot\u00e1p\u011b\u010dsk\u00fdm klubem\/st\u0159ediskem a proto by se jak\u00e1koliv ud\u00e1lost nehradila z klubov\u00e9ho\/st\u0159ediskov\u00e9ho poji\u0161t\u011bn\u00ed. Rovn\u011b\u017e se m\u016f\u017ee st\u00e1t, \u017ee klub\/st\u0159edisko neobnov\u00ed v\u010das sv\u00e9 pro\u0161l\u00e9 poji\u0161t\u011bn\u00ed, nebo n\u011bjak\u00fdm zp\u016fsobem poru\u0161\u00ed pojistn\u00e9 podm\u00ednky a t\u00edm zanikne mo\u017enost pojistn\u00e9ho od\u0161kodn\u011bn\u00ed. Ze v\u0161ech t\u011bchto d\u016fvod\u016f je pro profesion\u00e1ln\u00edho pot\u00e1p\u011b\u010de daleko nejlep\u0161\u00ed a nejjist\u011bj\u0161\u00ed &ldquo;\u0159\u00eddit s\u00e1m sv\u016fj osud&rdquo; a m\u00edt uzav\u0159en\u00e9 vlastn\u00ed poji\u0161t\u011bn\u00ed na svou profesion\u00e1ln\u00ed \u010dinnost.<\/p>\n<p style=\"text-align: justify;\"><strong>B<\/strong><strong>ylo by mo\u017en\u00e9 \u017ealovat pot\u00e1p\u011b\u010dsk\u00fd klub \/ pot\u00e1p\u011b\u010dsk\u00e9 st\u0159edisko nebo profesion\u00e1ln\u00edho instruktora \/ pr\u016fvodce, jestli\u017ee jejich klient p\u0159edem podepsal dohodu o z\u0159eknut\u00ed se sv\u00fdch n\u00e1rok\u016f nebo rezignaci na odpov\u011bdnost zm\u00edn\u011bn\u00fdch subjekt\u016f? <\/strong>Jestli\u017ee klient\/ pot\u00e1p\u011b\u010d provozuj\u00edc\u00ed p\u0159\u00edstrojov\u00e9 pot\u00e1p\u011bn\u00ed vstoup\u00ed do smluvn\u00edho vztahu s pot\u00e1p\u011b\u010dsk\u00fdm klubem XYZ kv\u016fli jak\u00e9koliv z klubov\u00fdch pot\u00e1p\u011b\u010dsk\u00fdch \u010dinnost\u00ed, tak pot\u00e1p\u011b\u010dsk\u00fd klub i profesion\u00e1ln\u00ed pot\u00e1p\u011b\u010dsk\u00fd instruktor jsou takov\u00e9mu klientu povinni poskytnout \u0159\u00e1dnou p\u00e9\u010di bez ohledu na jak\u00e9koliv (i p\u0159edem podepsan\u00e9) klientovo vzd\u00e1n\u00ed se sv\u00fdch n\u00e1rok\u016f a rezignaci na jeich odpov\u011bdnost. V mnoha pr\u00e1vn\u00edch syst\u00e9mech je pr\u00e1vn\u00ed s\u00edla takov\u00e9ho vzd\u00e1n\u00ed se a rezignace p\u0159\u00edmo sporn\u00e1, nebo\u0165 v t\u011bchto pr\u00e1vn\u00edch syst\u00e9mech se pova\u017euje povinn\u00e1 p\u00e9\u010de za siln\u011bj\u0161\u00ed a d\u016fle\u017eit\u011bj\u0161\u00ed z\u00e1vazek ne\u017e jak\u00e9koliv smluvn\u00ed ujedn\u00e1n\u00ed.<\/p>\n<p style=\"text-align: justify;\"><strong>P\u0159\u00edklad:<br \/> Co se stane, jestli\u017ee bylo p\u0159\u00ed\u010dinou pot\u00e1p\u011b\u010dsk\u00e9 nehody selh\u00e1n\u00ed n\u011bjak\u00e9ho p\u0159\u00edstroje?<\/strong><\/p>\n<ul>\n<li style=\"text-align: justify;\">Velmi pravd\u011bpodobn\u011b za\u017ealuje klient-pot\u00e1p\u011b\u010d jak klub, tak i instruktora<\/li>\n<li style=\"text-align: justify;\">Soud bude muset rozhodnout, zdali byla povinn\u00e1 p\u00e9\u010de poru\u0161ena pot\u00e1p\u011b\u010dsk\u00fdm klubem a\/nebo profesion\u00e1ln\u00edm instruktorem, nebo ob\u011bma (klub za poskytnut\u00ed vadn\u00e9ho p\u0159\u00edstroje a instruktora ze nedostate\u010dn\u00e9 zkontrolov\u00e1n\u00ed tohoto p\u0159\u00edstroje)<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Jak ji\u017e bylo \u0159e\u010deno, student p\u0159\u00edstrojov\u00e9ho pot\u00e1p\u011bn\u00ed m\u016f\u017ee \u017ealovat jak pot\u00e1p\u011b\u010dsk\u00fd klub XYZ, tak i instruktora ve funkci klubov\u00e9ho\/st\u0159ediskov\u00e9ho instruktora a\/nebo m\u016f\u017ee b\u00fdt on s\u00e1m pova\u017eov\u00e1n za osobn\u011b odpov\u011bdn\u00e9ho. D\u00edky klubov\u00e9mu poji\u0161t\u011bn\u00ed bude profesion\u00e1ln\u00ed instruktor t\u011b\u017eit z v\u00fdhody poji\u0161t\u011bn\u00ed na klubovou odpov\u011bdnost, ov\u0161em pouze v p\u0159\u00edpad\u011b, \u017ee pojistn\u00fd limit zakoupen\u00fd klubem\/st\u0159ediskem je dostate\u010dn\u011b vysok\u00fd a klub neporu\u0161il \u017e\u00e1dnou pojistnou podm\u00ednku. Kdyby se tak stalo (t.j. pojistn\u00e1 podm\u00ednka byla poru\u0161ena), z\u016fstal by instruktor bez jak\u00e9hokoliv pojistn\u00e9ho kryt\u00ed ze strany klubu\/st\u0159ediska.<\/p>\n<p style=\"text-align: justify;\">Naopak plat\u00ed, \u017ee klub ani st\u0159edisko nemaj\u00ed poji\u0161t\u011bnu svou odpov\u011bdnost z osobn\u00edho poji\u0161t\u011bn\u00ed instruktora na jeho profesion\u00e1ln\u00ed \u010dinnost. Proto je d\u016fle\u017eit\u00e9 pro klub i pro instruktor\u016fv &ldquo;klid du\u0161e&rdquo;, aby m\u011bli oba \u0159\u00e1dn\u011b zakoupen\u00e9 a uzav\u0159en\u00e9 poji\u0161t\u011bn\u00ed na odpov\u011bdnost za sv\u00e9 \u010dinnosti. <br \/> Za zm\u00ednku rovn\u011b\u017e stoj\u00ed, \u017ee poji\u0161t\u011bn\u00ed na profesion\u00e1ln\u00ed odpov\u011bdnost a za t\u0159et\u00ed strany v souvislosti s pot\u00e1p\u011b\u010dsk\u00fdmi \u010dinnostmi (poji\u0161t\u011bn\u00ed klubu) se nesm\u00ed zam\u011bnit za poji\u0161t\u011bn\u00ed na v\u0161eobecnou ob\u010danskopr\u00e1vn\u00ed odpov\u011bdnost a odpov\u011bdnost za provozov\u00e1n\u00ed lodi\/\u010dlunu. Tato dv\u011b poji\u0161t\u011bn\u00ed nejsou automaticky sou\u010d\u00e1st\u00ed poji\u0161t\u011bn\u00ed zm\u00edn\u011bn\u00e9ho v \u00favodn\u00ed \u010d\u00e1sti t\u00e9to v\u011bty a mus\u00ed se \u0159e\u0161it odd\u011blen\u011b.<\/p>\n<p style=\"text-align: justify;\"><strong>Jak\u00e9 jsou prvn\u00ed kroky, kter\u00e9 mus\u00ed u\u010dinit pot\u00e1p\u011b\u010dsk\u00fd klub a instruktor po pot\u00e1p\u011b\u010dsk\u00e9 nehod\u011b?<\/strong><\/p>\n<ul>\n<li style=\"text-align: justify;\">V\u0161echny nehody by se m\u011bly ohl\u00e1sit poji\u0161\u0165ovateli (poji\u0161\u0165ovn\u011b) co nejd\u0159\u00edve po datu nehody (a\u0165 ji\u017e jsou k dispozici doklady nebo ne, a i kdy\u017e si nejste jisti, zdali bude n\u00e1rok uspokojen nebo ne).<\/li>\n<li style=\"text-align: justify;\">Z\u00e1stupce poji\u0161\u0165ovatele si zpravidla vy\u017e\u00e1d\u00e1 n\u011bkter\u00e9 z n\u00e1sleduj\u00edc\u00edch doklad\u016f\/d\u016fkaz\u016f: zpr\u00e1vy o sv\u011bdeck\u00e9 v\u00fdpov\u011bdi &bull; zpr\u00e1vy zdravotn\u00ed &bull; zpr\u00e1vy policejn\u00ed &bull;zpr\u00e1vy pitevn\u00ed nebo o hled\u00e1n\u00ed mrtvoly &bull; \u00fa\u010detn\u00ed stvrzenky, smlouvy, zdravotn\u00ed dotazn\u00edky, doklady o vzd\u00e1n\u00ed se n\u00e1rok\u016f &bull; formul\u00e1\u0159e s vypln\u011bn\u00fdmi n\u00e1roky, profily ponor\u016f, jako\u017e i dal\u0161\u00ed d\u016fkazn\u00ed a podp\u016frnou dokumentaci.<\/li>\n<li style=\"text-align: justify;\">Zvl\u00e1\u0161t\u011b sv\u011bdeck\u00e9 v\u00fdpov\u011bdi by m\u011bly b\u00fdt zaps\u00e1ny a podeps\u00e1ny je\u0161t\u011b p\u0159edt\u00edm, ne\u017e potenci\u00e1ln\u00ed sv\u011bdci opust\u00ed m\u00edsto nehody nebo pot\u00e1p\u011b\u010dsk\u00fd klub (sv\u011bdci se mohou obt\u00ed\u017en\u011b hledat, jakmile z m\u00edsta odejdou)<\/li>\n<\/ul>\n<ul>\n<li style=\"text-align: justify;\">Jestli\u017ee poji\u0161\u0165ovna odm\u00edtne souhlas s od\u0161kodn\u011bn\u00edm, vyhn\u011bte se pros\u00edm jak\u00e9mukoliv p\u0159ijet\u00ed odpov\u011bdnosti a\/nebo jak\u00e9mukoliv dohodnut\u00ed se s \u00fa\u0159ady\/t\u0159et\u00ed stranou\/klientem, nebo\u0165 takov\u00e9 jedn\u00e1n\u00ed by mohlo po\u0161kodit v\u00e1\u0161 n\u00e1rok. Doba bezprost\u0159edn\u011b po nehod\u011b nen\u00ed ten spr\u00e1vn\u00fd \u010das pro diskusi o zavin\u011bn\u00ed a o odpov\u011bdnosti, v takov\u00e9 chv\u00edli je t\u0159eba \u0159e\u0161it nal\u00e9havou pomoc, kter\u00e9 m\u016f\u017ee b\u00fdt pr\u00e1v\u011b nejv\u00edce zapot\u0159eb\u00ed.<\/li>\n<li style=\"text-align: justify;\">V\u0161echny doklady, kter\u00e9 dostanete od \u00fa\u0159ad\u016f\/t\u0159et\u00ed strany\/klienta\/ pr\u00e1vn\u00edk\u016f atd., jako nap\u0159\u00edklad po\u017eadavky na od\u0161kodn\u011bn\u00ed, je t\u0159eba ponechat je bez odpov\u011bdi a neprodlen\u011b je doru\u010dit sv\u00e9 poji\u0161\u0165ovn\u011b. Na takov\u00e9 po\u017eadavky mus\u00ed odpov\u011bd\u011bt profesion\u00e1lov\u00e9, a to p\u0159\u00edslu\u0161n\u00fdm zp\u016fsobem.<\/li>\n<li style=\"text-align: justify;\">A jak\u00e9koliv zm\u011bny nebo p\u0159\u00edpadn\u00fd v\u00fdvoj situace souvisej\u00edc\u00ed s nehodou se mus\u00ed rovn\u011b\u017e co nejd\u0159\u00edve ozn\u00e1mit poji\u0161\u0165ovn\u011b.<\/li>\n<\/ul>\n<table width=\"527\" height=\"123\" cellspacing=\"1\" cellpadding=\"1\" border=\"1\">\n<tbody>\n<tr>\n<td>Druh poji\u0161t\u011bn\u00ed DAN<\/td>\n<td>Professional<\/td>\n<td>Club<\/td>\n<\/tr>\n<tr>\n<td>Poji\u0161t\u011bn\u00e9 \u010dinnosti<\/td>\n<td>Profesion\u00e1l<br \/>Instruktor\/pr\u016fvodce<\/td>\n<td>Instruktor\/pr\u016fvodce<br \/>\u010cinovn\u00edk klubu<br \/>Klubov\u00e1 \u010dinnost<br \/>\u010clen v\u00fdborur<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>T\u0158ET\u00cd STRANA A PROFESION\u00c1LN\u00cd ODPOV\u011aDNOST Pojistn\u00e9 produkty DAN t\u00fdkaj\u00edc\u00ed se pot\u00e1p\u011bn\u00ed nab\u00edzej\u00ed poji\u0161t\u011bn\u00ed &ldquo;\u0161it\u00e9 na m\u00edru&rdquo; pro rekrea\u010dn\u00ed a profesion\u00e1ln\u00ed pot\u00e1p\u011b\u010de, pot\u00e1p\u011b\u010dsk\u00e9 instruktory, pot\u00e1p\u011b\u010dsk\u00e9 \u0161koly&#8230;<\/p>\n","protected":false},"author":1,"featured_media":11373550,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[384],"tags":[],"authors":[856],"class_list":["post-11385511","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-clanky","authors-dan-europe-staff-cs_cz"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - 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