Firma ochroniarska Servo 10 lipca 2015 roku była odpowiedzialna za blisko osiem milionów złotych, które powierzył im bank. Kiedy dwóch konwojentów poszło napełniać bankomat w Swarzędzu pod Poznaniem, trzeci (jak się potem okazało zatrudniony na podstawie fałszywych dokumentów) odjechał bankowozem i zniknął wraz z łupem. Firma Servo od momentu kradzieży regularnie spłaca bankowi pieniądze. Znalazła się w bardzo trudnej sytuacji, bo towarzystwo ubezpieczeniowe Warta odmówiło wypłaty odszkodowania za skradzione pieniądze. Sprawa trafiła do Sądu Okręgowego w Łodzi, który w marcu przyznał rację ubezpieczycielowi. Teraz sąd apelacyjny prawomocnie stwierdził, że ta decyzja była słuszna.



Sąd apelacyjny stwierdził, że odszkodowanie się nie należy, bo firma ochroniarska źle organizowała transporty gotówki – w sposób naruszający rozporządzenie ministra spraw wewnętrznych i administracji z 7 września 2010 roku. Sąd podkreślił, że w dniu kradzieży do rozwiezienia gotówki oddelegowane były trzy osoby – jedna z nich była kierowcą, druga przenosiła kasetkę z gotówką. Trzecia nie miała zadań dodatkowych, a więc de facto konwojowała transport. – Konwojent wraz z osobą transportującą stracili z pola widzenia bankowóz. A zatem nie mogli konwojować i go ochraniać. Kierujący bankowozem miał czuwać przy uruchomionym pojeździe, ale nie mógł zostać konwojentem. Tym samym bankowóz nie był chroniony przez żadnego konwojenta – uzasadniał Krzysztof Depczyński, sędzia Sądu Apelacyjnego w Łodzi. Ponieważ firma Servo miała nie wypełnić wymogów ministerialnego rozporządzenia, to – tym samym – wyłączona została odpowiedzialność towarzystwa Warta za szkodę.



Sąd pierwszej instancji, analizując spór pomiędzy Servo a towarzystwem Warta, zwrócił uwagę, że pomiędzy podmiotami zawarte zostały dwie polisy –  Cargo (obejmująca wartość przewożonych pieniędzy) i polisa OC. – W obu przypadkach odpowiedzialność ubezpieczyciela została wyłączona przez niedostosowanie się do rozporządzenia MSWiA. W przypadku polisy Cargo dochodzą jednak dodatkowe okoliczności, które zdejmują odpowiedzialność z ubezpieczyciela – mówiła sędzia Sulińska-Kowalska.  Tłumaczyła, że ubezpieczenie Cargo nie obowiązywało w przypadku, kiedy dojdzie do szkody na skutek rażącego niedbalstwa. – A z rażącym niedbalstwem mieliśmy tu niestety do czynienia – mówiła sędzia. Dodała, że fałszywy konwojent został zatrudniony w firmie ochroniarskiej na podstawie fałszywych dokumentów. W czasie rekrutacji podał on, że pracował wcześniej w innej agencji ochrony. Podał jej nazwę i adres. – Okazało się, że ta firma po prostu nie istnieje. Firma Servo jednak tego nie sprawdziła. A przecież od podmiotów, zajmujących się ochroną tak wartościowego mienia, trzeba wymagać najwyższych standardów, jeżeli chodzi o przyjmowanie pracowników – uzasadniała Sulińska-Kowalska. O niedbalstwie – zdaniem sądu – świadczy też fakt, że w dniu kradzieży fałszywy konwojent został posadzony za kierownicą, chociaż tego dnia miał pełnić inną funkcję. Kilka godzin przed skokiem powiedział przełożonemu, że go boli noga i nie może normalnie chodzić. – Tymczasem firma Servo w przygotowanej przez siebie instrukcji konwojowej jasno wskazuje, że członkowie konwoju mogą wykonywać obowiązki wyłącznie przy pełnej sprawności psychofizycznej. Tym samym firma nie respektowała własnych zasad – argumentował sąd.

Źródło: www.tvn24.pl

24 thoughts on “Firma ochroniarska nie dostanie odszkodowania za utracone miliony z konwoju”

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