{"id":1045,"date":"2023-01-02T14:39:27","date_gmt":"2023-01-02T13:39:27","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1045"},"modified":"2023-03-30T14:34:33","modified_gmt":"2023-03-30T12:34:33","slug":"co-je-gap","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/co-je-gap\/","title":{"rendered":"GAP poji\u0161t\u011bn\u00ed \u2013 co to je a komu se vyplat\u00ed?"},"content":{"rendered":"\n<p>Pokud v kontextu poji\u0161t\u011bn\u00ed vid\u00edme zkratku psanou verz\u00e1lkami, rovnou podv\u011bdom\u011b p\u0159edpokl\u00e1d\u00e1me, \u017ee jde o n\u00e1zev poji\u0161\u0165ovny (jako t\u0159eba \u010cSOB Poji\u0161\u0165ovna). V p\u0159\u00edpad\u011b GAP poji\u0161t\u011bn\u00ed je takov\u00fd odhad myln\u00fd. Pokud pr\u00e1v\u011b kupujete drah\u00e9 auto, \u010dt\u011bte d\u00e1l!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co znamen\u00e1 zkratka GAP?<\/h2>\n\n\n\n<p>Elegantn\u00ed zkratka GAP vych\u00e1z\u00ed ze kostrbat\u011bj\u0161\u00edho spojen\u00ed <em>Guaranteed Asset Protection, <\/em>kter\u00e9 je po\u0159\u00e1d dost tajnosnubn\u00e9 na to, aby vysv\u011btlovalo svou podstatu. O \u010dem tedy <em>Garantovan\u00e1 ochrana majetku<\/em> je?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">K \u010demu je dobr\u00e9 GAP poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n<p>GAP poji\u0161t\u011bn\u00ed spad\u00e1 do <strong>kategorie autopoji\u0161t\u011bn\u00ed<\/strong> a kryje v\u00e1s proti tzv. tot\u00e1ln\u00ed \u0161kod\u011b. Cel\u00fd produkt stoj\u00ed na jednoduch\u00e9 skute\u010dnosti, \u017ee cena vozidla od momentu jeho koup\u011b prudce kles\u00e1.<\/p>\n\n\n\n<p>Kdy\u017e auto zcela zni\u010d\u00edte nebo pokud v\u00e1m ho ukradnou, s GAP poji\u0161t\u011bn\u00edm dostanete<strong> \u010d\u00e1stku<\/strong>,<strong> za kterou jste vozidlo koupili<\/strong>. Pokud poji\u0161t\u011bn\u00ed nem\u00e1te, poji\u0161\u0165ovna v\u00e1m vyplat\u00ed tr\u017en\u00ed cenu va\u0161eho vozidla v dob\u011b nehody.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/pojisteni-vozidel\/\" style=\"background-color:#1aaf5e\">Srovnejte si kompletn\u00ed poji\u0161t\u011bn\u00ed auta<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Nejl\u00e9pe si to vysv\u011btl\u00edme na p\u0159\u00edkladu. Cena nov\u00fdch aut rychle kles\u00e1, prvn\u00ed rok a\u017e o 25 %. Pokud koup\u00edte v\u016fz za 500 tis\u00edc korun, bude m\u00edt za t\u0159i roky hodnotu okolo 200 tis\u00edc. Pokud budete m\u00edt boura\u010dku, mohou nastat n\u00e1sleduj\u00edc\u00ed sc\u00e9n\u00e1\u0159e:<\/p>\n\n\n\n<ol>\n<li>m\u00e1te jen <a href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\" target=\"_blank\" rel=\"noopener\" title=\"povinn\u00e9 ru\u010den\u00ed\">povinn\u00e9 ru\u010den\u00ed<\/a>. V takov\u00e9m p\u0159\u00edpad\u011b nedostanete \u017e\u00e1dnou kompenzaci.<\/li>\n\n\n\n<li>m\u00e1te havarijn\u00ed poji\u0161t\u011bn\u00ed. Dostanete maxim\u00e1ln\u011b tr\u017en\u00ed &nbsp;hodnotu vozidla, tedy 200 tis\u00edc korun,<\/li>\n\n\n\n<li>m\u00e1te sjednan\u00e9 havarijn\u00ed poji\u0161t\u011bn\u00ed i poji\u0161t\u011bn\u00ed GAP. Poji\u0161\u0165ovna v\u00e1m vyplat\u00ed cel\u00fdch 500 tis\u00edc bez ohledu na amortizaci.&nbsp;<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">Jak\u00e9 jsou v\u00fdhody GAP poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed GAP je hezk\u00e1 nadstavba <a href=\"https:\/\/www.rixo.cz\/havarijni-pojisteni\/\" target=\"_blank\" rel=\"noopener\" title=\"havarijn\u00edho poji\u0161t\u011bn\u00ed\">havarijn\u00edho poji\u0161t\u011bn\u00ed<\/a>, zaj\u00edmav\u00e1 hlavn\u011b pro majitele nov\u00fdch vozidel. Nej\u010dast\u011bji b\u00fdv\u00e1 sou\u010d\u00e1st\u00ed pojistn\u00e9 smlouvy (kter\u00e1 je na dobu neur\u010ditou) s podm\u00ednkou, \u017ee GAP poji\u0161t\u011bn\u00ed skon\u010d\u00ed za 3 nebo 5 let. B\u011bhem t\u00e9 doby v\u00e1m garantuje komfort v podob\u011b:<\/p>\n\n\n\n<ul>\n<li>100% kryt\u00ed v\u010detn\u011b spolu\u00fa\u010dasti<\/li>\n\n\n\n<li>pojistn\u00e9ho pln\u011bn\u00ed i v nep\u0159\u00edjemn\u00fdch situac\u00edch, jako je kr\u00e1de\u017e nebo tot\u00e1ln\u00ed hav\u00e1rie<\/li>\n<\/ul>\n\n\n\n<p>Pojistn\u00e1 \u010d\u00e1stka se standardn\u011b ur\u010duje na z\u00e1klad\u011b po\u0159izovac\u00ed ceny uveden\u00e9 na faktu\u0159e. Pokud se n\u011bco stane, budete m\u00edt od poji\u0161\u0165ovny dostatek pen\u011bz na koupi nov\u00e9ho auta.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak\u00e9 jsou nev\u00fdhody GAP poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n<p>Mus\u00edme se dotknout i druh\u00e9 strany mince, tedy m\u00e9n\u011b v\u00fdhodn\u00fdch aspekt\u016f GAP poji\u0161t\u011bn\u00ed. Za ty lze pova\u017eovat:<\/p>\n\n\n\n<ul>\n<li>cenu p\u0159ipoji\u0161t\u011bn\u00ed, kter\u00e1 se v p\u0159\u00edpad\u011b luxusn\u00edch voz\u016f m\u016f\u017ee vy\u0161plhat a\u017e na n\u011bkolik tis\u00edc K\u010d&nbsp;<\/li>\n\n\n\n<li>nekompromisn\u011b definovan\u00e9 st\u00e1\u0159\u00ed vozidla, do kter\u00e9ho lze GAP je\u0161t\u011b sjednat<\/li>\n\n\n\n<li>omezenou dobu, na je\u017e lze poji\u0161t\u011bn\u00ed sjednat (tradi\u010dn\u011b se nedostanete nad p\u011bt let)<\/li>\n\n\n\n<li>fakt, \u017ee ho \u2013 a\u017e v\u00fdjimky \u2013 m\u016f\u017eete sjednat pouze k havarijn\u00edmu poji\u0161t\u011bn\u00ed nov\u00e9ho auta&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><\/h2>\n\n\n\n<h2 class=\"wp-block-heading\">U jak\u00fdch vozidel se vyplat\u00ed GAP poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed po\u0159izovac\u00ed ceny vozidla je skv\u011bl\u00fd produkt pro:<\/p>\n\n\n\n<ul>\n<li>majitele nov\u00fdch, drah\u00fdch aut,<\/li>\n\n\n\n<li>ty, co sv\u00e1 vozidla koupili na spot\u0159ebitelsk\u00fd \u00fav\u011br. V p\u0159\u00edpad\u011b tot\u00e1ln\u00ed \u0161kody nebo kr\u00e1de\u017ee vozidla bez poji\u0161t\u011bn\u00ed GAP toti\u017e krom\u011b (tolik pot\u0159ebn\u00e9ho) auta nemaj\u00ed ani rezervu na to, aby si po\u0159\u00eddili nov\u00fd v\u016fz a z\u00e1rove\u0148 spl\u00e1celi p\u016fj\u010dku na ten p\u016fvodn\u00ed.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Jak si zlevnit autopoji\u0161t\u011bn\u00ed (bez kompromis\u016f v kvalit\u011b)<\/h2>\n\n\n\n<p>Pr\u00e1v\u011b klesaj\u00edc\u00ed cena va\u0161eho auta je jeden z d\u016fvod\u016f, pro\u010d se vyplat\u00ed \u010das od \u010dasu p\u0159epo\u010d\u00edtat v\u00fd\u0161i nov\u00e9 pojistky. Vzhledem k r\u016fzn\u00fdm ak\u010dn\u00edm nab\u00eddk\u00e1m poji\u0161\u0165oven m\u016f\u017eete u\u0161et\u0159it a\u017e t\u00eds\u00edce, ani\u017e byste slevovali ze sv\u00fdch n\u00e1rok\u016f na m\u00edru ochrany. I p\u0159i stejn\u00e9m rozsahu v\u011bt\u0161inou dojde k poklesu ceny.<\/p>\n\n\n\n<p>Pod\u00edvejte se na n\u00e1\u0161 srovn\u00e1va\u010d autopoji\u0161t\u011bn\u00ed a vyberte si tu nejzaj\u00edmav\u011bj\u0161\u00ed nab\u00eddku. B\u011bhem n\u011bkolika minut v\u00e1m uk\u00e1\u017eeme n\u011bkolik nab\u00eddek autopoji\u0161t\u011bn\u00ed od p\u0159edn\u00edch poji\u0161\u0165oven. Poji\u0161t\u011bn\u00ed m\u016f\u017eete uzav\u0159\u00edt jednodu\u0161e online z pohodl\u00ed sv\u00e9ho domova, nebo v\u00e1m pom\u016f\u017ee n\u00e1\u0161 specialista na autopoji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<div class=\"wp-block-group is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-1 wp-block-group-is-layout-flex\">\n<iframe loading=\"lazy\" height=\"460\" width=\"400\" frameborder=\"0\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/forms\/vehicle-insurance-form\/\"><\/iframe>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Zkratka GAP poch\u00e1z\u00ed z anglick\u00e9ho term\u00ednu Guaranteed Asset Protection o ozna\u010duje autopoji\u0161t\u011bn\u00ed, kter\u00e9 majitele voz\u016f kryje proti tzv. tot\u00e1ln\u00ed \u0161kod\u011b. Pokud kupujete nov\u00e9, dra\u017e\u0161\u00ed auto, vyplat\u00ed se GAP poji\u0161t\u011bn\u00ed zv\u00e1\u017eit.<\/p>\n","protected":false},"author":6,"featured_media":1047,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,6],"tags":[17,33],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1045"}],"collection":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=1045"}],"version-history":[{"count":4,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1045\/revisions"}],"predecessor-version":[{"id":1215,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1045\/revisions\/1215"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1047"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1045"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1045"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1045"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}