Osiguranje plovila je obavezno
Podgorica 19.07.2019.
Svaki vlasnik i korisnik plovila, dužan je da zaključi ugovor o osiguranju od odgovornosti – Zabranjena je upotreba plovila bez zaključenog ugovora o osiguranju – U toku 2018. godine izdato je oko 2,5 hiljade polisa osiguranja od odgovornosti plovila.
Nacionalni Biro Osiguravača Crne Gore (NBOCG) i ove godine, u jeku nautičke sezone, podsjeća sve korisnike i vlasnike plovnih objekata da je Zakonom o obaveznom osiguranju u saobraćaju, utvrđena obaveza osiguranja vlasnika plovnih objekata za štete pričinjene trećim licima. U članu 37. ovog Zakona jasno je definisano da svaki vlasnik odnosno ovlašteni korisnik plovnog objekta, koji je upisan u registar plovnih objekata, „dužan je da zaključi ugovor o osiguranju od odgovornosti za štetu koju upotrebom plovnog objekta pričini licima nanošenjem tjelesnih povreda, oštećenjem zdravlja i smrti”.
Zakonom je jasno definisano „Zabranjena je upotreba plovnog objekta u pomorskom saobraćaju bez zaključenog ugovora o osiguranju”.
Kako bi se izbjegle zablude, važno je istaći da se pokriće koja pruža polisa obaveznog osiguranja plovnog objekata bitno razlikuje od pokrića koje je ugovareno polisom autoodgovornosti. Ključna razlika se odnosi na tip štete koju osiguranje pokriva. Naime, dok kod motornih vozila obavezno osiguranje pokriva materijalne i nematerijalne štete nastale upotrebom vozila, kod plovnih objekata obaveznom polisom je pokrivena isključivo šteta pričinjena trećim licima (plivačima, osobama na plaži, licima na plovnom objektu..) nanošenjem tjelesnih povreda, oštećenjem zdravlja i usled smrti. Dakle, obavezno osiguranje ne pokriva štetu koja se, upotrebom plovnog objekta, prouzrokuje drugom plovnom objektu ili imovini. Za taj vid štete lično odgovara korisnik odnosno vlasnik plovnog objekta, a imajući u vidu visinu štete koja može nastati na drugom plovilu, čak i usled manje nezgode, preporučujemo ugovaranje dodatnog pokrića za materijalne stete, Za proširenje pokrića neophodno je obratiti se direktno osiguravjućem društvu.
Prema podacima kojima raspolaže NBOCG u toku 2018. godine je izdato oko 2,5 hiljade polisa obaveznog osiguranja odgovornosti iz upotrebe plovnih objekata što je ok 9% manje nego prethodne godine.
Boris Šaban, Izvršni direktor NBOCG, ovim povodom kaže: upozoravamo sve vlasnike plovila da ih izbjegavanje obaveze osiguranja plovila može dovesti u vrlo nezavidan položaj, jer u slučaju izazivanja štete sa plovilom koje nije imalo zaključeno obavezno osiguranje odgovornost i obaveza naknade šteta pada na teret samog vlasnika/korisnika plovila. Stoga je svaki vlasnik odnosno ovlašteni korisnik plovnog objekta, koji je upisan u registar plovnih objekata, dužan da zaključi ugovor o osiguranju od odgovornosti za štetu koju pričini upotrebom plovnog objekta. Iz tog razloga apelujumo na sve građanje koji koriste ili planiraju da koriste plovilo tokom sezona da zaključe ili obnove osiguranje kod nekog od društava za osiguranje u Crnoj Gori.“
“Ova odredba se odnosi i na vlasnike tj. ovlaštene držaoce inostranih plovila koji plove domaćim vodama. Upotreba plovnog objekta u pomorskom saobraćaju nije dozvoljena bez zaključenja ugovora o osiguranju.“ – zaključuje Šaban.
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