{"id":1060,"date":"2023-01-04T15:23:19","date_gmt":"2023-01-04T14:23:19","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1060"},"modified":"2026-08-10T12:43:34","modified_gmt":"2026-08-10T10:43:34","slug":"spoluucast-na-havarijnim-pojisteni","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/spoluucast-na-havarijnim-pojisteni\/","title":{"rendered":"Spolu\u00fa\u010dast na havarijn\u00edm poji\u0161t\u011bn\u00ed"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><em>Posledn\u00ed aktualizace: 7. 8. 2026<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do ceny <a title=\"havarijn\u00edho poji\u0161t\u011bn\u00ed\" href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\" target=\"_blank\" rel=\"noopener\">havarijn\u00edho poji\u0161t\u011bn\u00ed<\/a> se prom\u00edt\u00e1 cel\u00e1 \u0159ada faktor\u016f (jako hodnota vozidla a jeho technick\u00e9 parametry, va\u0161e bydli\u0161t\u011b i historie za volantem, frekvence platby, spolu\u00fa\u010dast aj.). Zat\u00edmco \u010d\u00e1st z nich nedok\u00e1\u017eete ovlivnit, v\u00fd\u0161i spolu\u00fa\u010dasti na havarijn\u00edm poji\u0161t\u011bn\u00ed si ur\u010dujete sami. \u010c\u00edm vy\u0161\u0161\u00ed spolu\u00fa\u010dast v p\u0159\u00edpad\u011b <a href=\"https:\/\/www.rixo.cz\/slovnik\/pojistna-udalost\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/slovnik\/pojistna-udalost\/\">pojistn\u00e9 ud\u00e1losti<\/a> jste ochotni zaplatit, t\u00edm ni\u017e\u0161\u00ed bude cena pojistky. Jak naj\u00edt ide\u00e1ln\u00ed balanc, kdy se v\u00e1m sleva na pojistce vr\u00e1t\u00ed, kdyby k nehod\u011b skute\u010dn\u011b do\u0161lo?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak\u00e1 vysok\u00e1 spolu\u00fa\u010dast je u havarijn\u00edho poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.rixo.cz\/slovnik\/spoluucast\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/slovnik\/spoluucast\/\">Spolu\u00fa\u010dast<\/a> se vyjad\u0159uje bu\u010f v procentech (s dodatkem o minim\u00e1ln\u00ed hodnot\u011b, kter\u00e1 p\u016fjde v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti z va\u0161\u00ed kapsy) nebo pevnou \u010d\u00e1stkou. Pokud jde o procentu\u00e1ln\u00ed nastaven\u00ed, nej\u010dast\u011bji jde o jeden z n\u00e1sleduj\u00edc\u00edch model\u016f:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>5% spolu\u00fa\u010dast s minimem 5 000 K\u010d,<\/li>\n\n\n\n<li>10% spolu\u00fa\u010dast s minimem 10 000 K\u010d<\/li>\n\n\n\n<li>20% spolu\u00fa\u010dast s minimem 20 000 K\u010d<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Nejv\u011bt\u0161\u00ed oblib\u011b se mezi na\u0161imi klienty t\u011b\u0161\u00ed prvn\u00ed varianta. Proto si na n\u00ed uk\u00e1\u017eeme dva modelov\u00e9 p\u0159\u00edklady:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>M\u00e1te drobnou dopravn\u00ed nehodu (p\u0159i v\u00fdjezdu z gar\u00e1\u017ee si od\u0159ete blatn\u00edk). \u0160koda na va\u0161em aut\u011b je vy\u010d\u00edslena na 30 000 K\u010d. 5 % ze \u0161kody tud\u00ed\u017e d\u011bl\u00e1 1 500 K\u010d (0,05*30000), co\u017e je \u010d\u00e1stka ni\u017e\u0161\u00ed ne\u017e stanoven\u00e1 minim\u00e1ln\u00ed hodnota). Proto<strong> zaplat\u00edte 5 000 K\u010d, poji\u0161tovna 25 000 K\u010d<\/strong>.<\/li>\n\n\n\n<li>Stanete se \u00fa\u010dastn\u00edkem v\u011bt\u0161\u00ed hav\u00e1rie (ned\u00e1te p\u0159ednost na k\u0159i\u017eovatce a n\u011bkdo v\u00e1s tref\u00ed z boku). \u0160koda na va\u0161em aut\u011b d\u011bl\u00e1 200 000 K\u010d. 5 % ze \u0161kody \u010din\u00ed 10 000 K\u010d (0,05*200 000). Vy <strong>zaplat\u00edte 10 000 K\u010d, poji\u0161\u0165ovna zb\u00fdvaj\u00edc\u00edch 190 000 K\u010d<\/strong>.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Vzhledem k tomu, \u017ee u vysok\u00fdch \u0161kod na nov\u00fdch a dra\u017e\u0161\u00edch autech by zd\u00e1nliv\u011b zanedbateln\u00e1 spolu\u00fa\u010dast p\u00e1r procent znamenala desetitis\u00edce korun, n\u011bkter\u00e9 <strong>poji\u0161\u0165ovny upou\u0161t\u00ed od procentu\u00e1ln\u00edho vyj\u00e1d\u0159en\u00ed spolu\u00fa\u010dasti<\/strong> a ve smluvn\u00edch podm\u00ednk\u00e1ch u\u017e najdete jen fixn\u00ed \u010d\u00e1stku v korun\u00e1ch. Zlat\u00fdm standardem je spolu\u00fa\u010dast ve v\u00fd\u0161i 5 000 K\u010d, kter\u00e1 nen\u00ed p\u0159\u00edli\u0161 vysok\u00e1 a m\u00e1te s n\u00ed jistotu, \u017ee p\u0159i \u0161kod\u011b nikdy nezaplat\u00edte v\u00edc ani m\u00ed\u0148. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u016f\u017eete se setkat i s t\u00edm, \u017ee poji\u0161\u0165ovna m\u00e1 spolu\u00fa\u010dast jen pro vybran\u00e1 rizika. Nap\u0159\u00edklad pro hav\u00e1rii a vandalismus, zat\u00edmco u st\u0159etu se zv\u011b\u0159\u00ed, \u017eivlu, kr\u00e1de\u017ee a po\u0161kozen\u00ed zv\u00ed\u0159etem \u017e\u00e1dn\u00e1 spolu\u00fa\u010dast nen\u00ed. Proto si v\u017edy p\u0159i porovn\u00e1v\u00e1n\u00ed nab\u00eddek zkontrolujte, u kter\u00fdch rizik je jak\u00e1 spolu\u00fa\u010dast &#8211; na cenu m\u00e1 toti\u017e z\u00e1sadn\u00ed vliv.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de 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:#1aaf5e\">Srovnejte si havarijn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Poji\u0161\u0165ovny tak\u00e9 disponuj\u00ed tzv.<strong> doporu\u010den\u00fdmi smluvn\u00edmi servisy<\/strong>. Pokud si nech\u00e1te vozidlo opravit v jednom ze smluvn\u00edch m\u00edst poji\u0161\u0165ovny, <strong>zaplat\u00edte ni\u017e\u0161\u00ed spolu\u00fa\u010dast<\/strong>. Pokud m\u00e1te sjednanou pevnou spolu\u00fa\u010dast ve v\u00fd\u0161i 5000 K\u010d a p\u016fjde o \u0161kodu ve v\u00fd\u0161i 100 000 K\u010d, zaplat\u00edte nap\u0159. spolu\u00fa\u010dast jen 1 000 K\u010d m\u00edsto p\u016fvodn\u00edho p\u011btin\u00e1sobku. U n\u011bkter\u00fdch poji\u0161\u0165oven naopak p\u0159i nevyu\u017eit\u00ed smluvn\u00edho servisu zaplat\u00edte dvojn\u00e1sobek, v tomto p\u0159\u00edpad\u011b 10 000 K\u010d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mezi dal\u0161\u00ed v\u00fdhody smluvn\u00edho servisu pak obvykle pat\u0159\u00ed p\u0159ednostn\u00ed vy\u0159\u00edzen\u00ed opravy, zap\u016fj\u010den\u00ed n\u00e1hradn\u00edho vozidla a ni\u017e\u0161\u00ed administrativn\u00ed z\u00e1t\u011b\u017e (jako je dokl\u00e1d\u00e1n\u00ed pot\u0159ebn\u00fdch dokument\u016f, prohl\u00eddka likvid\u00e1torem atd.)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Informace o sn\u00ed\u017een\u00ed nebo odpu\u0161t\u011bn\u00ed spolu\u00fa\u010dasti p\u0159i vyu\u017eit\u00ed smluvn\u00edho servisu <strong>najdete v nab\u00eddce poji\u0161t\u011bn\u00ed i va\u0161\u00ed smlouv\u011b<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Je mo\u017en\u00e9 sjednat nulovou spolu\u00fa\u010dast?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">U havarijn\u00edho poji\u0161t\u011bn\u00ed v\u017edy naraz\u00edte <strong>alespo\u0148 na minim\u00e1ln\u00ed spolu\u00fa\u010dast<\/strong> (nap\u0159. s \u010d\u00e1stkou 2 000 K\u010d) u <a href=\"https:\/\/www.rixo.cz\/blog\/havarijni-pojisteni-pojisteni-havarie\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/blog\/havarijni-pojisteni-pojisteni-havarie\/\">poji\u0161t\u011bn\u00ed hav\u00e1rie<\/a>. Nav\u00edc po\u010d\u00edtejte s t\u00edm, \u017ee takov\u00fd komfort poji\u0161\u0165ovna rozhodn\u011b prom\u00edtne do v\u00fd\u0161e pojistky.\u00a0 Tak\u00e9 je dobr\u00e9 si uv\u011bdomit, \u017ee \u0161kodu za p\u00e1r stovek nebo tis\u00edcovek nem\u00e1 cenu \u0159e\u0161it s poji\u0161\u0165ovnou. Na telefon\u00e1tech a pap\u00edrov\u00e1n\u00ed sp\u00e1l\u00edte dost \u010dasu.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak spolu\u00fa\u010dast ovliv\u0148uje cenu havarijn\u00edho poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Spolu\u00fa\u010dast na havarijn\u00edm poji\u0161t\u011bn\u00ed a cena poji\u0161t\u011bn\u00ed jsou nep\u0159\u00edmo \u00fam\u011brn\u00e9: \u010d\u00edm v\u00edce si v p\u0159\u00edpad\u011b nehody zaplat\u00edte ze sv\u00e9ho, t\u00edm ni\u017e\u0161\u00ed bude pojistn\u00e9. A naopak. <a title=\"Jak u\u0161et\u0159it na havarijn\u00edm poji\u0161t\u011bn\u00edm\" href=\"https:\/\/www.rixo.cz\/blog\/jak-usetrit-na-havarijnim-pojisteni\/\" target=\"_blank\" rel=\"noopener\">Jak u\u0161et\u0159it na havarijn\u00edm poji\u0161t\u011bn\u00ed<\/a> se do\u010dtete v na\u0161em \u010dl\u00e1nku.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jakou v\u00fd\u0161i spolu\u00fa\u010dasti vybrat p\u0159i sjedn\u00e1n\u00ed havarijn\u00edho poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Do \u00favah o ide\u00e1ln\u00ed spolu\u00fa\u010dasti zahr\u0148te:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>hodnotu va\u0161eho vozidla. <\/strong>I kdy\u017e zm\u00edn\u011bn\u00fdch 5 % zn\u00ed jako zanedbateln\u00e1 \u010d\u00e1stka, u auta za milion u\u017e to m\u016f\u017ee b\u00fdt skute\u010dn\u011b nep\u0159\u00edjemn\u00fd v\u00fddaj.<\/li>\n\n\n\n<li><strong>va\u0161e finan\u010dn\u00ed rezervy<\/strong>, do kter\u00fdch budete v p\u0159\u00edpad\u011b nehody sahat. Vysta\u010d\u00edte si s nimi v p\u0159\u00edpad\u011b, \u017ee m\u00e1te vysokou spolu\u00fa\u010dast? Nebo je pro v\u00e1s p\u0159\u00edjemn\u011bj\u0161\u00ed akceptovat vy\u0161\u0161\u00ed <a href=\"https:\/\/www.rixo.cz\/slovnik\/pojistne\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/slovnik\/pojistne\/\">pojistn\u00e9<\/a>, a m\u00edt spolu\u00fa\u010dast n\u00edzkou? V\u011bt\u0161ina \u0159idi\u010d\u016f vol\u00ed variantu &#8220;zlat\u00e9ho st\u0159edu&#8221;.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-d05cb3ef 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>V\u00fd\u0161e spolu\u00fa\u010dasti na havarijn\u00edm poji\u0161t\u011bn\u00ed si ur\u010dujete sami. \u010c\u00edm vy\u0161\u0161\u00ed spolu\u00fa\u010dast v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti jste ochotni zaplatit, t\u00edm ni\u017e\u0161\u00ed bude cena pojistky. Jak naj\u00edt ide\u00e1ln\u00ed balanc, kdy se v\u00e1m sleva na pojistce vr\u00e1t\u00ed, kdyby k nehod\u011b skute\u010dn\u011b do\u0161lo?<\/p>\n","protected":false},"author":11,"featured_media":1061,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,6],"tags":[17],"class_list":["post-1060","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","category-vozidla","tag-autopojisteni"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1060","targetHints":{"allow":["GET"]}}],"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\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=1060"}],"version-history":[{"count":9,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1060\/revisions"}],"predecessor-version":[{"id":4457,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1060\/revisions\/4457"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1061"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1060"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1060"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1060"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}