{"id":1051,"date":"2023-01-04T13:44:39","date_gmt":"2023-01-04T12:44:39","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1051"},"modified":"2023-01-04T15:48:42","modified_gmt":"2023-01-04T14:48:42","slug":"proc-mit-havarijni-pojisteni","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/proc-mit-havarijni-pojisteni\/","title":{"rendered":"Pro\u010d m\u00edt havarijn\u00ed poji\u0161t\u011bn\u00ed?"},"content":{"rendered":"\n<p>M\u00e1m star\u00e9 auto. Sta\u010d\u00ed, \u017ee plat\u00edm povinn\u00e9 ru\u010den\u00ed, ne? Nikdy jsem p\u0159ece neboural(a). Takov\u00e9 argumenty opakovan\u011b sl\u00fdch\u00e1me od <strong>dvou t\u0159etin \u010desk\u00fdch \u0159idi\u010d\u016f<\/strong>, kte\u0159\u00ed br\u00e1zd\u00ed silnice bez havarijka. A sna\u017e\u00edme se jim vysv\u011btlit, pro\u010d je dobr\u00e9 ho m\u00edt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co kryje havarijn\u00ed poji\u0161t\u011bn\u00ed oproti povinn\u00e9mu ru\u010den\u00ed?<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.rixo.cz\/havarijni-pojisteni\/\" title=\"Havarijn\u00ed poji\u0161t\u011bn\u00ed\">Havarijn\u00ed poji\u0161t\u011bn\u00ed<\/a> m\u016f\u017eete ch\u00e1pat jako obdobu poji\u0161t\u011bn\u00ed majetku, kter\u00fdm ov\u0161em m\u00edsto domu, bytu nebo bicyklu chr\u00e1n\u00edte sv\u00e9 vozidlo. Pom\u016f\u017ee v\u00e1m v p\u0159\u00edpad\u011b <strong>dopravn\u00ed nehody, kr\u00e1de\u017ee nebo po\u0161kozen\u00ed vandalem, \u017eivelnou pohromou, zv\u011b\u0159\u00ed a zv\u00ed\u0159etem<\/strong>. Prom\u00e1\u010dknut\u00e9 dve\u0159e z parkovi\u0161t\u011b obchodn\u00edho domu, koloto\u010d mezi svodidly, sra\u017een\u00e1 srnka, zrc\u00e1tko ura\u017een\u00e9 nezn\u00e1m\u00fdm opilcem, kapota jako jamkovi\u0161t\u011b po letn\u00edm krupobit\u00ed\u2026 rizik kolem n\u00e1s existuje cel\u00e1 \u0159\u00e1da.<\/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\/havarijni-pojisteni\/\" style=\"background-color:#ff8500\">Srovnejte si havarijn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>\u010casto se st\u00e1v\u00e1, \u017ee se \u0159idi\u010di spol\u00e9haj\u00ed na povinn\u00e9 ru\u010den\u00ed, kter\u00e9 se ov\u0161em li\u0161\u00ed sv\u00fdm \u00fa\u010delem: kryje toti\u017e \u0161kody, kter\u00e9 vy p\u0159ivod\u00edte jin\u00fdm. Ud\u011blejte si v t\u011bchto dvou produktech jasno, ne\u017e v\u00e1s jejich nepochopen\u00ed vyjde na des\u00edtky tis\u00edc.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hlavn\u00ed rozd\u00edl mezi havarijn\u00edm poji\u0161t\u011bn\u00edm a povinn\u00fdm ru\u010den\u00edm<\/h3>\n\n\n\n<p>Havarijn\u00ed poji\u0161t\u011bn\u00ed je dobrovoln\u00e9, na rozd\u00edl od povinn\u00e9ho ru\u010den\u00ed, kter\u00e9 si podle z\u00e1kona o poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu zp\u016fsobenou provozem vozidla mus\u00edte sjednat. Povinn\u00e9 ru\u010den\u00ed kryje \u0161kody na zdrav\u00ed a majetku, kter\u00e9 v provozu zp\u016fsob\u00edte ostatn\u00edm. Havarijn\u00ed poji\u0161t\u011bn\u00ed pak chr\u00e1n\u00ed va\u0161e vozidlo p\u0159ed va\u0161\u00ed vlastn\u00ed nepozornost\u00ed nebo \u017eivelnou pohromou.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">V jak\u00fdch p\u0159\u00edpadech ocen\u00edte havarijn\u00ed poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><\/h3>\n\n\n\n<p>U\u017e v\u00edte, \u017ee v mal\u00e9ru v\u00e1s povinn\u00e9 ru\u010den\u00ed nespas\u00ed, pokud jde o va\u0161e vozidlo. Pot\u0159ebujete havarijn\u00ed poji\u0161t\u011bn\u00ed. Pod\u00edvejme se na nej\u010dast\u011bj\u0161\u00ed sc\u00e9n\u00e1\u0159e, kdy si k jeho v\u010dasn\u00e9mu sjedn\u00e1n\u00ed budete jednozna\u010dn\u011b gratulovat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dopravn\u00ed nehoda<\/h3>\n\n\n\n<p>P\u0159esko\u010d\u00edme nejo\u010dividn\u011bj\u0161\u00ed sc\u00e9n\u00e1\u0159, kdy jste se na k\u0159i\u017eovatce \u0165ukli s dal\u0161\u00edm motoristou a vin\u00edkem nehody jste vy \u2013 mo\u017en\u00e1 nejezd\u00edte do center m\u011bst a pova\u017eujete se za opatrn\u00e9ho \u0159idi\u010de. Havarijko v\u00e1m pom\u016f\u017ee i v p\u0159\u00edpadech s n\u00e1lepkou <strong>\u201cvlastn\u00ed zavin\u011bn\u00ed\u201d<\/strong>, jako je od\u0159en\u00ed auta p\u0159i vjezdu do gar\u00e1\u017ee. Nebo si p\u0159edstavte, \u017ee vozidlo nech\u00e1te na pln\u00e9m parkovi\u0161ti, kde ho m\u00e9n\u011b obratn\u00fd \u0159idi\u010d od\u0159e a ujede, ani\u017e by v\u00e1m za st\u011bra\u010dem nechal kontakt. Opravu va\u0161eho auta tedy nepokryje povinn\u00e9 ru\u010den\u00ed vin\u00edka a vyklep\u00e1n\u00ed plech\u016f si zaplat\u00edte sami. Zbyte\u010dn\u011b.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Odcizen\u00ed vozidla&nbsp;<\/h3>\n\n\n\n<p>M\u00e1te pocit, \u017ee je havarijn\u00ed poji\u0161t\u011bn\u00ed p\u0159\u00edli\u0161 drah\u00e9? Ten v\u00e1s rychle opust\u00ed ve chv\u00edli, kdy v\u00e1m auto nebo motorku ukradnou. Pak se bude n\u011bkolik tis\u00edc zd\u00e1t jako sm\u011b\u0161n\u00e1 \u010d\u00e1stka.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Vandalismus<\/h3>\n\n\n\n<p>Po\u0161kr\u00e1ban\u00fd lak, rozbit\u00e9 ok\u00e9nko, ulomen\u00e9 zrc\u00e1tko, po\u0161kozen\u00fd st\u011bra\u010d\u2026 n\u011bkdo se nesmysln\u011b pobav\u00ed na v\u00e1\u0161 \u00fa\u010det. Jen\u017ee v\u00e1m ho nikdo neproplat\u00ed. Pokud nem\u00e1te havarijko.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u017diveln\u00e1 pohroma<\/h3>\n\n\n\n<p>\u010cesk\u00e1 zem\u011b je kouzeln\u00e1. Stejn\u011b jako jej\u00ed klima a nep\u0159edv\u00eddateln\u00e9 vtipy po\u010das\u00ed. Nej\u010dast\u011bji se setk\u00e1v\u00e1me s vyplaven\u00edm vozidla vodou. Ob\u010das padaj\u00ed kroupy, jindy rovnou cel\u00e9 stromy. Kdy\u017e si mysl\u00edte, \u017ee u\u017e jste (s v\u00fdjimkou p\u00edse\u010dn\u00e9 bou\u0159e) vid\u011bli snad v\u0161e, pro\u017eene se nad na\u0161\u00edm \u00fazem\u00edm torn\u00e1do.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Sr\u00e1\u017eka se zv\u011b\u0159\u00ed<\/h3>\n\n\n\n<p>St\u0159et se zv\u011b\u0159\u00ed b\u00fdv\u00e1 jednou z \u010dast\u00fdch p\u0159\u00ed\u010din autonehody. Nejv\u011bt\u0161\u00ed riziko hroz\u00ed b\u011bhem jara a podzimu, zejm\u00e9na kdy\u017e se rozedn\u00edv\u00e1 nebo stm\u00edv\u00e1.St\u0159et se srnkou kon\u010d\u00ed rozbit\u00fdmi sv\u011btly a zmuchlan\u00fdmi plechy, ale sr\u00e1\u017eka divo\u010d\u00e1ka kon\u010d\u00ed v\u00fdrazn\u011b v\u011bt\u0161\u00ed \u0161kodou. Pr\u016fm\u011brn\u00e1 v\u00fd\u0161e \u0161kody je v\u00edce ne\u017e 40 tis\u00edc korun, na luxusn\u00edm vozidle ale m\u016f\u017ee dosahovat i \u010d\u00e1stku p\u0159es p\u016fl milionu korun.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Po\u0161kozen\u00ed zv\u011b\u0159\u00ed<\/h3>\n\n\n\n<p>Tohle nen\u00ed \u0161otek a zdvojen\u00ed p\u0159edchoz\u00edho odstavce. P\u0159ekousan\u00e9 kabely nebo rozkousan\u00e9 odhlu\u010dn\u011bn\u00ed motoru jsou jin\u00fdm typem rizika a \u0161kody.Zejm\u00e9na v chladn\u00fdch m\u011bs\u00edc\u00edch je vyh\u0159\u00e1t\u00fd prostor pod kapotou l\u00e1kav\u00fdm \u00fato\u010di\u0161t\u011bm kun a hlodavc\u016f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Vyplat\u00ed se havarijn\u00ed poji\u0161t\u011bn\u00ed pro star\u00e9 ojet\u00e9 vozidlo?<\/h2>\n\n\n\n<p>U na\u0161ich klient\u016f se b\u011b\u017en\u011b setk\u00e1v\u00e1me s myln\u00fdm p\u0159edpokladem, \u017ee pro star\u0161\u00ed auto se jim havarijn\u00ed poji\u0161t\u011bn\u00ed nevyplat\u00ed. Nen\u00ed to pravda. I 5 nebo 10 let star\u00e9 auto m\u016f\u017ee m\u00edt hodnotu stovky tis\u00edc, a proto je dobr\u00e1 havarijko m\u00edt.<\/p>\n\n\n\n<p>Z\u00e1rove\u0148 se <strong>bonusy z povinn\u00e9ho ru\u010den\u00ed pou\u017eij\u00ed i na havarijn\u00ed poji\u0161t\u011bn\u00ed<\/strong>. Pokud m\u00e1te nap\u0159. 50% bonus na povinn\u00e9 ru\u010den\u00ed, dostanete i 50% bonus na havarijko.&nbsp;&nbsp;<\/p>\n\n\n\n<p>V ka\u017ed\u00e9m p\u0159\u00edpad\u011b plat\u00ed, \u017ee se vyplat\u00ed cenu havarijn\u00edho poji\u0161t\u011bn\u00ed minim\u00e1ln\u011b jednou za rok srovnat. Jen tak zjist\u00edte, jestli na havarijku nep\u0159epl\u00e1c\u00edte. Sta\u010d\u00ed, kdy\u017e vypln\u00edte p\u00e1r z\u00e1kladn\u00edch \u00fadaj\u016f a o v\u0161e ostatn\u00ed se u\u017e postar\u00e1me my. Do n\u011bkolika vte\u0159in v\u00e1m uk\u00e1\u017eeme ty nejv\u00fdhodn\u011bj\u0161\u00ed nab\u00eddky p\u0159\u00edmo pro v\u00e1s. Vyzkou\u0161ejte to hned!<\/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\n\n\n<h2 class=\"wp-block-heading\">Kdy a komu se havarijn\u00ed poji\u0161t\u011bn\u00ed nevyplat\u00ed?<\/h2>\n\n\n\n<p>Havarijn\u00ed poji\u0161t\u011bn\u00ed nedoporu\u010dujeme uzav\u00edrat, pokud:<\/p>\n\n\n\n<ul>\n<li>va\u0161e auto u\u017e oslavilo patn\u00e1ct\u00e9 narozeniny (t\u011b\u017eko budete hledat poji\u0161\u0165ovnu, kter\u00e1 bude ochotn\u00e1 ho za rozumnou cenu pojistit)<\/li>\n\n\n\n<li>hodnota va\u0161eho vozu nep\u0159evy\u0161uje 100 000 K\u010d (pravd\u011bpodobn\u011b m\u00e1 najeto \u00factyhodnou kilometr\u00e1\u017e a za\u017eilo si v silni\u010dn\u00edm provozu sv\u00e9\u2026 v takov\u00e9m p\u0159\u00edpad\u011b u\u017e sta\u010d\u00ed jen p\u0159ipoji\u0161t\u011bn\u00ed)<\/li>\n\n\n\n<li>na silnici vyr\u00e1\u017e\u00edte opravdu sporadicky, tak\u017ee riziko autonehody vn\u00edm\u00e1te jako velmi n\u00edzk\u00e9<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Havarijn\u00ed poji\u0161t\u011bn\u00ed chr\u00e1n\u00ed va\u0161e vozidlo v p\u0159\u00edpad\u011b dopravn\u00ed nehody, kr\u00e1de\u017ee, po\u0161kozen\u00ed vandalem nebo \u017eivelnou pohromou. Pro\u010d nesta\u010d\u00ed povinn\u00e9 ru\u010den\u00ed? Vyplat\u00ed se havarijko o pro star\u0161\u00ed auto?<\/p>\n","protected":false},"author":6,"featured_media":1053,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,6],"tags":[17,25],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1051"}],"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=1051"}],"version-history":[{"count":6,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1051\/revisions"}],"predecessor-version":[{"id":1066,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1051\/revisions\/1066"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1053"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1051"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1051"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1051"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}