{"id":1126,"date":"2023-02-22T16:46:29","date_gmt":"2023-02-22T15:46:29","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1126"},"modified":"2023-03-30T13:50:35","modified_gmt":"2023-03-30T11:50:35","slug":"povinne-ruceni-pro-elektromobil-hybrid-na-co-dat-pozor","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/povinne-ruceni-pro-elektromobil-hybrid-na-co-dat-pozor\/","title":{"rendered":"Povinn\u00e9 ru\u010den\u00ed pro elektromobil a hybrid \u2013 na co d\u00e1t pozor?"},"content":{"rendered":"\n<p>I kdy\u017e \u010ce\u0161i pat\u0159\u00ed ke \u201cskaln\u00edm fanou\u0161k\u016fm\u201d spalovac\u00edch motor\u016f, elektromobily si na tuzemsk\u00e9m trhu pomalu hledaj\u00ed sv\u00e9 \u010destn\u00e9 m\u00edsto. Vy\u0161\u0161\u00ed po\u0159izovac\u00ed cenu kompenzuje levn\u011bj\u0161\u00ed provoz a \u0159ada v\u00fdhod, na kter\u00e9 si majitel\u00e9 elektrovoz\u016f s\u00e1hnou za svou odpov\u011bdnost v\u016f\u010di planet\u011b. Jak je to ale u <a href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\" target=\"_blank\" rel=\"noopener\" title=\"povinn\u00e9ho ru\u010den\u00ed\">povinn\u00e9ho ru\u010den\u00ed<\/a>? Vych\u00e1z\u00ed levn\u011bji? Co si p\u0159i jeho sjedn\u00e1n\u00ed ov\u011b\u0159it? A co hybridn\u00ed auta?<\/p>\n\n\n\n<p>Na \u00favod si rychle p\u0159ipome\u0148me rozd\u00edl mezi elektromobilem a hybridem. <strong>Elektromobil <\/strong>m\u00edsto spalovac\u00edho motoru na benz\u00edn, naftu, LPG nebo CNG poh\u00e1n\u00ed elektromor (jeden nebo i v\u00edce), kter\u00fd z\u00edsk\u00e1v\u00e1 elektrickou energii z baterie.<strong> Hybridn\u00ed vozy<\/strong> (jak u\u017e n\u00e1zev nazna\u010duje) kombinuj\u00ed oba typy motoru: konven\u010dn\u00ed motor i elektromotor. D\u011bl\u00ed se do dal\u0161\u00edch kategori\u00ed podle toho, kter\u00fd zdroj energie je prim\u00e1rn\u00ed. Zvl\u00e1\u0161tn\u00ed skupinu pak tvo\u0159\u00ed <strong>plug-in hybridy<\/strong>, kter\u00e9 kombinuj\u00ed spalovac\u00ed motor a elektromotor s bateri\u00ed, kter\u00e1 se d\u00e1 dob\u00edjet &#8220;ze z\u00e1suvky&#8221;.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co m\u00e1 vliv na cenu povinn\u00e9ho ru\u010den\u00ed elektromobilu nebo hybridu<\/h2>\n\n\n\n<p>Parametry, kter\u00e9 ovliv\u0148uj\u00ed cenu povinn\u00e9ho ru\u010den\u00ed pro elektromobily, se prakticky neli\u0161\u00ed od vozidel se spalovac\u00edmi motory. Jen do v\u00fdpo\u010dtu pojistky vstupuje m\u00edsto objemu a v\u00fdkonu motoru pouze jeho <strong>v\u00fdkon, kter\u00fd je obvykle vy\u0161\u0161\u00ed.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\" style=\"background-color:#ff8500\">Srovnejte si povinn\u00e9 ru\u010den\u00ed<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Pokud poji\u0161\u0165ovna je\u0161t\u011b nem\u00e1 vytvo\u0159enou speci\u00e1ln\u00ed kategorii pro elektromobily, vztahuje se na n\u011b pak stejn\u00e9 sazby jako na vozy se spalovac\u00edmi motory s nejmen\u0161\u00edm objemem.<\/p>\n\n\n\n<p>Kompletn\u00ed seznam krit\u00e9rii tedy zn\u00ed:<\/p>\n\n\n\n<ul>\n<li>tov\u00e1rn\u00ed zna\u010dka<\/li>\n\n\n\n<li>druh paliva<\/li>\n\n\n\n<li>zdvihov\u00fd objem (ccm)<\/li>\n\n\n\n<li>max. v\u00fdkon motor\u016f (kW)<\/li>\n\n\n\n<li>hmotnost vozidla (kg)<\/li>\n\n\n\n<li>model vozidla<\/li>\n<\/ul>\n\n\n\n<p>Stejn\u00e1 paralela funguje i v p\u0159\u00edpad\u011b <strong>pojistn\u00edka<\/strong>, u kter\u00e9ho poji\u0161\u0165ovnu zaj\u00edm\u00e1:<\/p>\n\n\n\n<ul>\n<li>jm\u00e9no a rodn\u00e9 \u010d\u00edslo (kv\u016fli bonus\u016fm nebo malus\u016fm)<\/li>\n\n\n\n<li>trval\u00e9 bydli\u0161t\u011b<\/li>\n\n\n\n<li>v\u011bk<\/li>\n\n\n\n<li>beze\u0161kodn\u00ed pr\u016fb\u011bh poji\u0161t\u011bn\u00ed (po\u010det m\u011bs\u00edc\u016f, kdy jezd\u00edte bez nehod)<\/li>\n<\/ul>\n\n\n\n<p>Majitel\u00e9 elektromobil\u016f \u010dasto bydl\u00ed ve v\u011bt\u0161\u00edch m\u011bstech, co\u017e v\u00fd\u0161i pojistky prodra\u017euje u v\u0161ech typ\u016f motor\u016f. Na druhou stranu jsou majitel\u00e9 (nebo provozovatel\u00e9) elektromobil\u016f zpravidla ve v\u011bku od 30 do 60 let, tak\u017ee z pohledu poji\u0161\u0165ovny nep\u0159edstavuj\u00ed vy\u0161\u0161\u00ed riziko, jako je tomu u \u0159idi\u010d\u016f mimo tuto v\u011bkovou skupinu. P\u0159ilep\u0161it si m\u016f\u017eete i tzv. <strong>slevou za propoji\u0161t\u011bnost<\/strong>, pokud m\u00e1te u vybran\u00e9 poji\u0161\u0165ovny sjednanou i jinou pojistku.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak se li\u0161\u00ed povinn\u00e9 ru\u010den\u00ed pro elektromobil nebo hybrid od poji\u0161t\u011bn\u00ed pro b\u011b\u017en\u00e1 vozidla<\/h2>\n\n\n\n<p>Hlavn\u00ed rozd\u00edl elektromobil\u016f od spalovac\u00edch aut tedy spo\u010d\u00edv\u00e1 hlavn\u011b <strong>v odli\u0161n\u00e9 povaze rizik<\/strong>, kter\u00e1 jsou s jejich provozem spojen\u00e1. Podle statistik je toti\u017e riziko <strong>zavin\u011bn\u00e9 nehody elektromobilem o n\u011bkolik des\u00edtek procent vy\u0161\u0161\u00ed<\/strong> ne\u017e u \u201cdieselu\u201d (zp\u016fsoben\u00e1 mj. bezhlu\u010dnou j\u00edzdou, kdy zvuk motoru neupozorn\u00ed dal\u0161\u00ed \u00fa\u010dastn\u00edky provozu na bl\u00edzkost vozidla).<\/p>\n\n\n\n<p>Bez letit\u00e9 historie pr\u016fm\u011brn\u00e9 v\u00fd\u0161e \u0161kod a \u010detnosti nehod u voz\u016f na elekt\u0159inu nav\u00edc bylo (a st\u00e1le je) pro poji\u0161\u0165ovny n\u00e1ro\u010dn\u00e9 nace\u0148ovat rizika a p\u0159izp\u016fsobovat nab\u00eddku pojistn\u00fdch bal\u00ed\u010dk\u016f. S vy\u0161\u0161\u00edm pod\u00edlem elektromobil\u016f na \u010desk\u00fdch silnic\u00edch te\u010f roste pr\u016fm\u011brn\u00e1 \u0161koda a \u0161kodn\u00ed frekvence, \u010d\u00edm\u017e se \u201csk\u00f3re\u201d elektromobil\u016f optikou poji\u0161\u0165oven postupem \u010dasu nevyhnuteln\u011b<strong> zhor\u0161uje<\/strong>.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-2 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\/povinne-ruceni\/\" style=\"background-color:#1aaf5e\"><strong>Srovnejte si povinn\u00e9 ru\u010den\u00ed elektromobilu nebo hybridu<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Do ceny pojistky vstupuje i <strong>vy\u0161\u0161\u00ed cena n\u00e1hradn\u00edch d\u00edl\u016f i pr\u00e1ce automechanik\u016f<\/strong>, dan\u00e1 technologickou vysp\u011blost\u00ed elektromobil\u016f. S t\u00edm souvis\u00ed i drah\u00e1 likvidace (proto\u017ee d\u00edly obsahuj\u00ed velk\u00fd po\u010det elektronick\u00fdch sou\u010d\u00e1stek).<\/p>\n\n\n\n<p>Cen\u011b oprav nepom\u00e1h\u00e1 ani fakt, \u017ee <strong>servis\u016f s vy\u017eadovanou specializac\u00ed je v\u00fdrazn\u011b m\u00e9n\u011b<\/strong>. T\u0159eba Tesla, ikona na poli elektromobil\u016f, disponuje pouze jedn\u00edm autorizovan\u00fdm servisem v cel\u00e9m \u010cesku.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak\u00e9 jsou ceny povinn\u00e9ho ru\u010den\u00ed pro elektromobil nebo hybrid<\/h2>\n\n\n\n<p>Ceny povinn\u00e9ho ru\u010den\u00ed pro elektromobily jsou <strong>srovnateln\u00e9 s pojistkami aut s klasick\u00fdm pohonem<\/strong>, u hybrid\u016f dokonce ni\u017e\u0161\u00ed. V\u00fd\u0161e zm\u00edn\u011bn\u00e1 rizika a ceny sou\u010d\u00e1stek se v\u00fdrazn\u011bji prom\u00edtaj\u00ed<strong> ve vy\u0161\u0161\u00ed cen\u011b <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> pro elektromobily<\/strong>. P\u0159e\u010dt\u011bte si n\u00e1\u0161 \u010dl\u00e1nek <a href=\"https:\/\/www.rixo.cz\/blog\/jak-usetrit-na-havarijnim-pojisteni\/\" target=\"_blank\" rel=\"noopener\" title=\"jak u\u0161et\u0159it na havarijn\u00edm poji\u0161t\u011bn\u00ed\">jak u\u0161et\u0159it na havarijn\u00edm poji\u0161t\u011bn\u00ed<\/a>.<\/p>\n\n\n\n<p>Jezdit elektromobilem nebo hybridem, kter\u00fd havarijko nem\u00e1, <strong>skute\u010dn\u011b nedoporu\u010dujeme<\/strong>. I na prvn\u00ed pohled mal\u00e9 po\u0161kozen\u00ed vozu m\u016f\u017ee vy\u00fastit v drahou opravu. Pokud by cena opravy byla stejn\u00e1 nebo vy\u0161\u0161\u00ed ne\u017e je hodnota vozidla, <strong>ned\u00e1v\u00e1 u\u017e ekonomick\u00fd smysl vozidlo opravovat<\/strong>. Je to stejn\u00e9 jako s praskl\u00fdm displejem na star\u00e9m mobiln\u00edm telefonu: oprava je sice po technick\u00e9 str\u00e1nce mo\u017en\u00e1, ale v\u00e1m d\u00e1v\u00e1 v\u011bt\u0161\u00ed smysl si koupit nov\u00fd telefon se z\u00e1rukou.  Nem\u016f\u017eete se rozhodnout jestli vyu\u017e\u00edt havarijn\u00ed poji\u0161t\u011bn\u00ed? P\u0159e\u010dt\u011bte si n\u00e1\u0161 \u010dl\u00e1nek <a href=\"https:\/\/www.rixo.cz\/blog\/proc-mit-havarijni-pojisteni\/\" target=\"_blank\" rel=\"noopener\" title=\"pro\u010d m\u00edt havarijn\u00ed poji\u0161t\u011bn\u00ed\">pro\u010d m\u00edt havarijn\u00ed poji\u0161t\u011bn\u00ed<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Na co si d\u00e1t u povinn\u00e9ho ru\u010den\u00ed pro elektromobil a hybridu pozor<\/h2>\n\n\n\n<p>Za va\u0161i zv\u00fd\u0161enou pozornost stoj\u00ed:<\/p>\n\n\n\n<ul>\n<li><strong>v\u00fd\u0161e pojistn\u00fdch limit\u016f. <\/strong>Co se zd\u00e1 u spalovac\u00edho auta jako \u0161t\u011bdr\u00fd nadstandard, to u elektroaut nesta\u010d\u00ed.&nbsp;<\/li>\n\n\n\n<li><strong>asisten\u010dn\u00ed slu\u017eby a jejich rozsah. <\/strong>Postar\u00e1 se o v\u00e1s poji\u0161\u0165ovna v p\u0159\u00edpad\u011b vybit\u00e9ho akumul\u00e1toru? Kolikr\u00e1t za rok se v takov\u00e9 situaci sm\u00edte v r\u00e1mci pojistn\u00e9ho kryt\u00ed ocitnout? Poskytne v\u00e1m poji\u0161\u0165ovna v p\u0159\u00edpad\u011b pot\u0159eby n\u00e1hradn\u00ed vozidlo, ne\u017e dostanete zp\u00e1tky sv\u016fj elektromobil (jeho\u017e oprava trv\u00e1 v\u00fdrazn\u011b d\u00e9le)?<\/li>\n\n\n\n<li><strong>poji\u0161t\u011bn\u00ed technick\u00e9 poruchy nebo poji\u0161t\u011bn\u00ed rizika p\u0159ep\u011bt\u00ed\/podp\u011bt\u00ed. <\/strong>Pokud nab\u00edj\u00edte vozidlo ze s\u00edt\u011b a v bl\u00edzkosti ude\u0159\u00ed blesk, r\u00fdsuje se tu probl\u00e9m. Poji\u0161t\u011bn\u00ed \u017eivl\u016f toti\u017e standardn\u011b zahrnuje jen p\u0159\u00edm\u00fd \u00fader blesku (co\u017e nen\u00ed p\u0159\u00edpad elektromobilu v gar\u00e1\u017ei). Poji\u0161t\u011bn\u00ed nemovitosti pak chr\u00e1n\u00ed v\u00e1\u0161 d\u016fm, ale na auto se nevztahuje. Nejlep\u0161\u00ed je samoz\u0159ejm\u011b auto od s\u00edt\u011b v p\u0159\u00edpad\u011b bou\u0159ky odpojit.<\/li>\n<\/ul>\n\n\n\n<p>Vzhledem k vysok\u00e9 po\u0159izovac\u00ed cen\u011b elektromobilu m\u016f\u017eete tak\u00e9 zv\u00e1\u017eit <a href=\"https:\/\/www.rixo.cz\/blog\/co-je-gap\/\">poji\u0161t\u011bn\u00ed GAP<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak\u00e9 jsou sankce za nepoji\u0161t\u011bn\u00ed elektromobilu nebo hybridu<\/h2>\n\n\n\n<p>Pokud na silnici vyjedete s elektromobilem bez povinn\u00e9ho ru\u010den\u00ed, budou se na v\u00e1s v principu vztahovat postihy, kter\u00e9 jsme detailn\u011b popsali v \u010dl\u00e1nku <a href=\"https:\/\/www.rixo.cz\/blog\/nepojistene-vozidlo\/\">Nepoji\u0161t\u011bn\u00e9 vozidlo<\/a>: jak\u00e9 pokuty v\u00e1m hroz\u00ed?. Jedin\u00fd otazn\u00edk vyvol\u00e1 fakt, \u017ee u elektromobil\u016f nerozhoduje objem motoru (podle toho se stanovuje denn\u00ed sazba sank\u010dn\u00ed pokuty).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kde spo\u010d\u00edtat p\u0159esnou cenu povinn\u00e9ho ru\u010den\u00ed pro elektromobil nebo hybrid?<\/h2>\n\n\n\n<p>Nechte si nab\u00eddky povinn\u00e9ho ru\u010den\u00ed srovnat u n\u00e1s na rixo.cz. Sta\u010d\u00ed zn\u00e1t registra\u010dn\u00ed zna\u010dku vozidla. Srovn\u00e1n\u00ed nab\u00eddek pak dostanete b\u011bhem p\u00e1r vte\u0159in.<\/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>I kdy\u017e \u010ce\u0161i pat\u0159\u00ed ke \u201cskaln\u00edm fanou\u0161k\u016fm\u201d spalovac\u00edch motor\u016f, elektromobily si na tuzemsk\u00e9m trhu pomalu hledaj\u00ed sv\u00e9 \u010destn\u00e9 m\u00edsto. Jak je to ale s povinn\u00fdm ru\u010den\u00ed?m Vych\u00e1z\u00ed levn\u011bji? Co si p\u0159i jeho sjedn\u00e1n\u00ed ov\u011b\u0159it? A co hybridn\u00ed auta?<\/p>\n","protected":false},"author":6,"featured_media":1128,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,6],"tags":[17],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1126"}],"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=1126"}],"version-history":[{"count":9,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1126\/revisions"}],"predecessor-version":[{"id":1189,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1126\/revisions\/1189"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1128"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1126"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1126"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1126"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}