{"id":1310,"date":"2023-05-05T15:59:10","date_gmt":"2023-05-05T13:59:10","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1310"},"modified":"2026-11-06T14:20:37","modified_gmt":"2026-11-06T13:20:37","slug":"jak-pojistit-kolo-nebo-elektrokolo","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/jak-pojistit-kolo-nebo-elektrokolo\/","title":{"rendered":"Jak pojistit kolo nebo elektrokolo proti kr\u00e1de\u017ei"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><em>Posledn\u00ed akutalizace: 31. 10. 2026<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Silni\u010dn\u00ed, horsk\u00e1, downhillov\u00e1 kola, elektrokola\u2026 r\u016fzn\u00e9 stroje, jedna v\u00e1\u0161e\u0148 i jedno poji\u0161t\u011bn\u00ed. Investovali jste do n\u00e1kupu sv\u00e9ho kola v\u011bt\u0161\u00ed \u010d\u00e1stku? Bu\u010fte proz\u00edrav\u00ed a pojist\u011bte si ho. Porad\u00edme v\u00e1m, jak pojistit kolo spr\u00e1vn\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V na\u0161\u00ed domovin\u011b dojde zhruba k 20 tis\u00edc\u016fm kr\u00e1de\u017e\u00ed kol ro\u010dn\u011b. Nej\u010dast\u011bji kola miz\u00ed ze sklep\u016f, kol\u00e1ren a rodinn\u00fdch dom\u016f. A policie objasn\u00ed jen p\u011btinu z nich. Proto se rozhodn\u011b nevyplat\u00ed pokou\u0161et sv\u00e9 \u0161t\u011bst\u00ed. Jak si tedy kolo nebo elektrokolo pojistit?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Poji\u0161t\u011bn\u00ed kola jako sou\u010d\u00e1st poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kolo si m\u016f\u017eete pojistit v r\u00e1mci <a href=\"https:\/\/www.rixo.cz\/pojisteni-nemovitosti\/\">poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/a>. Tuto variantu vol\u00ed v\u011bt\u0161ina majitel\u016f kol. Hlavn\u00ed \u00faskal\u00ed spo\u010d\u00edv\u00e1 v tom, \u017ee n\u011bkter\u00e9 poji\u0161\u0165ovny maj\u00ed pevn\u011b dan\u00e9 limity pro kolo v \u0159\u00e1dech <strong>vy\u0161\u0161\u00edch des\u00edtek tis\u00edc<\/strong>. Pokud vlastn\u00edte kolo za stovky tis\u00edc korun, je pravd\u011bpodobn\u00e9, \u017ee stanoven\u00fd limit nebude dostate\u010dn\u00fd. Pak se sv\u00e9 poji\u0161\u0165ovny mus\u00edte zeptat na <strong>speci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed pro va\u0161e kolo<\/strong> (viz n\u00ed\u017ee).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Samostatn\u00e9 poji\u0161t\u011bn\u00ed kola nebo elektrokola<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Alternativou je <strong>samostatn\u00e9 poji\u0161t\u011bn\u00ed kol a elektrokol<\/strong>. Jedn\u00e1 se o spolehlivou, ale v\u00fdrazn\u011b dra\u017e\u0161\u00ed variantu. Ka\u017ed\u00e1 poji\u0161\u0165ovna m\u00e1 jinak nastaven\u00e9 pojistn\u00e9 podm\u00ednky, ve kter\u00fdch specifikuje, jak k poji\u0161t\u011bn\u00ed kola p\u0159istupuje.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kdy poji\u0161\u0165ovna uzn\u00e1 pojistnou ud\u00e1lost a vyplat\u00ed pojistn\u00e9 pln\u011bn\u00ed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Obecn\u011b z\u00e1le\u017e\u00ed na tom, jak ke \u0161kod\u011b (zejm\u00e9na kr\u00e1de\u017ei) dojde. Poji\u0161t\u011bn\u00ed chr\u00e1n\u00ed va\u0161e kolo doma i venku, v\u017edy je ale nutn\u00e9 myslet na spln\u011bn\u00ed n\u011bkolika podm\u00ednek. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kr\u00e1de\u017e kola z domova<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mus\u00ed doj\u00edt k vloup\u00e1n\u00ed, tedy <strong>n\u00e1siln\u00e9mu vniknut\u00ed do vymezen\u00e9ho prostoru nebo p\u0159ekon\u00e1n\u00ed p\u0159ek\u00e1\u017eky<\/strong> (plot, z\u00e1mek, alarm, bezpe\u010dnostn\u00ed dve\u0159e&#8230;). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">U spole\u010dn\u00fdch prostor bytov\u00fdch dom\u016f, jako je ko\u010d\u00e1rk\u00e1rna nebo kol\u00e1rna, je situace slo\u017eit\u011bj\u0161\u00ed, ne\u017e kdy\u017e m\u00e1te kolo ulo\u017een\u00e9 doma nebo v soukrom\u00e9m a zabezpe\u010den\u00e9m prostoru (nap\u0159. vlastn\u00ed sklepn\u00ed k\u00f3ji). Pokud v\u00e1\u0161 soused nech\u00e1 kol\u00e1rnu odem\u010denou, nebude tato z\u00e1kladn\u00ed podm\u00ednka spln\u011bna.\u00a0T\u011b\u017eko se nav\u00edc poji\u0161\u0165ovn\u011b vysv\u011btluje, \u017ee kolo si nevyp\u016fj\u010dil jeden z va\u0161ich 20 soused\u016f. Kolo je tedy nutn\u00e9 opat\u0159it vlastn\u00edm z\u00e1mkem, nebo ho ulo\u017eit jinde. <\/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\/pojisteni-nemovitosti\/\" style=\"background-color:#2ab24b\">Spo\u010d\u00edtat cenu poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Co se bude d\u00edt, kdy\u017e v\u00e1m kolo ukradnou <strong>mimo domov<\/strong>? Ptejte se poji\u0161\u0165ovny, jak to funguje s \u201ev\u011bcmi mimo m\u00edsto poji\u0161t\u011bn\u00ed\u201c. Obvykle se poji\u0161t\u011bn\u00ed vztahuje i na kola, kter\u00e1 nech\u00e1te zam\u010den\u00e1 p\u0159ed restaurac\u00ed, obchodem nebo jin\u00e9m m\u00edst\u011b k tomu ur\u010den\u00e9m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u017edy myslete na to, aby bylo kolo <strong>dostate\u010dn\u011b zabezpe\u010den\u00e9<\/strong>. Pou\u017e\u00edvejte z\u00e1mek, i kdy\u017e v\u00e1m to t\u0159eba na balkon\u011b m\u016f\u017ee p\u0159ipadat trochu bizarn\u00ed. Poji\u0161\u0165ovna bude k t\u011bmto okolnostem p\u0159i likvidaci pojistn\u00e9 ud\u00e1losti p\u0159ihl\u00ed\u017eet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Na co si je\u0161t\u011b d\u00e1t pozor u elektrokol a na kolik v\u00e1s poji\u0161t\u011bn\u00ed elektrokola vyjde? Detaily naleznete v na\u0161em \u010dl\u00e1nku <a href=\"https:\/\/www.rixo.cz\/blog\/pojisteni-elektrokola-jak-na-to-a-kolik-stoji\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/blog\/pojisteni-elektrokola-jak-na-to-a-kolik-stoji\/\">Poji\u0161t\u011bn\u00ed elektrokola<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-embed aligncenter is-type-wp-embed is-provider-rixo-blog wp-block-embed-rixo-blog\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"If1LRTZ5V5\"><a href=\"https:\/\/www.rixo.cz\/blog\/pojisteni-elektrokola-jak-na-to-a-kolik-stoji\/\">Poji\u0161t\u011bn\u00ed elektrokola: Jak na to a kolik stoj\u00ed?<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"\u201ePoji\u0161t\u011bn\u00ed elektrokola: Jak na to a kolik stoj\u00ed?\u201c \u2014 RIXO Blog\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/blog\/pojisteni-elektrokola-jak-na-to-a-kolik-stoji\/embed\/#?secret=W28dHtZZ87#?secret=If1LRTZ5V5\" data-secret=\"If1LRTZ5V5\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Vyplat\u00ed se pojistit kolo proti kr\u00e1de\u017ei?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Na to samoz\u0159ejm\u011b neexistuje jednozna\u010dn\u00e1 odpov\u011b\u010f. Ale pod\u00edvejme se na n\u011bkolik rozd\u00edln\u00fdch p\u0159\u00edklad\u016f.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u010cty\u0159\u010dlenn\u00e1 rodina rekrea\u010dn\u00edch cyklist\u016f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Rodina Nov\u00e1kov\u00fdch \u017eije v panelov\u00e9m byt\u011b. Sv\u00e1 kola celoro\u010dn\u011b nech\u00e1vaj\u00ed na balkon\u011b, kde je nezamykaj\u00ed. Celkov\u00e1 hodnota v\u0161ech \u010dty\u0159 kol je 30 000 K\u010d. <a href=\"https:\/\/www.rixo.cz\/pojisteni-nemovitosti\/\">Poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/a> m\u00e1 rodina sjednan\u00e9 u \u010cPP a plat\u00ed za n\u011bj 840 K\u010d ro\u010dn\u011b.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jestli stejn\u011b jako Nov\u00e1kovi jezd\u00edte na kole jen rekrea\u010dn\u011b a nem\u00e1te drah\u00e1 kola, <strong>speci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed pravd\u011bpodobn\u011b nepot\u0159ebujete<\/strong>. Stejn\u011b jako Nov\u00e1kovi byste si mohli pln\u011b vysta\u010dit se z\u00e1kladn\u00edm bal\u00ed\u010dkem poji\u0161t\u011bn\u00ed dom\u00e1cnosti.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kdy\u017e n\u011bkdo kolo Nov\u00e1kov\u00fdm ukradne z m\u00edsta poji\u0161t\u011bn\u00ed, kter\u00e9 je zabezpe\u010deno, zaplat\u00ed jim poji\u0161\u0165ovna a\u017e 20 000 K\u010d za 1 kolo. Pokud je to jin\u00e9 m\u00edsto, nap\u0159. stojan, ke kter\u00e9mu bylo kolo \u0159\u00e1dn\u011b zabezpe\u010deno, dostanou max. 5 000 K\u010d za v\u0161echna kola za pojistn\u00fd rok.\u00a0<\/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\/pojisteni-nemovitosti\/\" style=\"background-color:#ff8500\">Spo\u010d\u00edtat cenu poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zabezpe\u010den\u00edm m\u016f\u017ee ka\u017ed\u00e1 poji\u0161\u0165ovna myslet n\u011bco jin\u00e9ho. Nap\u0159\u00edklad \u010cPP v podm\u00ednk\u00e1ch nemluv\u00ed o nutnosti uzam\u010den\u00ed kola na balk\u00f3n\u011b, ale trv\u00e1 na zabezpe\u010den\u00ed prostor jako takov\u00fdch. Tzn. pokud je kolo na balk\u00f3n\u011b v byt\u011b ve 4. pat\u0159e, d\u00edv\u00e1 se poji\u0161\u0165ovna p\u0159edev\u0161\u00edm na to, jak je <strong>zabezpe\u010den\u00e1 dom\u00e1cnos<\/strong>t: na druh z\u00e1mku, dve\u0159\u00ed nebo z\u00e1rubn\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">V\u00e1\u0161niv\u00fd sportovec s dra\u017e\u0161\u00edm kolem<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pan Petr m\u00e1 poji\u0161t\u011bn\u00ed dom\u00e1cnosti u Direct poji\u0161\u0165ovny a ro\u010dn\u011b za n\u011bj plat\u00ed necel\u00fdch 1 500 K\u010d. P\u0159ed p\u00e1r dny si koupil nov\u00e9 kolo za 80 000 K\u010d a \u0159e\u0161\u00ed, jak si ho co nejl\u00e9pe pojistit.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Poji\u0161t\u011bn\u00ed dom\u00e1cnosti u Direct poji\u0161\u0165ovny umo\u017e\u0148uje p\u0159idat ke smlouv\u011b i speci\u00e1ln\u00ed p\u0159ipoji\u0161t\u011bn\u00ed kola. Po jeho sjedn\u00e1n\u00ed se Petrovi ro\u010dn\u00ed platba za poji\u0161t\u011bn\u00ed dom\u00e1cnosti zv\u00fd\u0161ila o 2 000 K\u010d.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Drah\u00fd model kola si ur\u010dit\u011b pojist\u011bte. Nejprve si proto zjist\u011bte, <strong>zda v\u00e1m poji\u0161\u0165ovna umo\u017en\u00ed si kolo p\u0159ipojistit<\/strong> a zda je takov\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed dostate\u010dn\u00e9. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud vlastn\u00edte je\u0161t\u011b dra\u017e\u0161\u00ed kolo, dejte si pozor, zda ho poji\u0161\u0165ovna v\u016fbec pojist\u00ed. Nap\u0159. Direct poji\u0161\u0165uje kola do hodnoty 100 000 K\u010d se spolu\u00fa\u010dast\u00ed 1 000 K\u010d. Velkou v\u00fdhodou tohoto poji\u0161t\u011bn\u00ed je, \u017ee kryje kolo po cel\u00e9m \u00fazem\u00ed Evropy \u2013 nen\u00ed tedy v\u00e1zan\u00e9 jen na m\u00edsto poji\u0161t\u011bn\u00ed nebo bl\u00edzk\u00e9 okol\u00ed. I zde ale pozor na specifikaci pojistn\u00fdch podm\u00ednek. Jednou z nich nap\u0159. je, \u017ee mus\u00ed b\u00fdt kolo samostatn\u011b uzam\u010den\u00e9 k pevn\u00e9 p\u0159ek\u00e1\u017ece.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Sportovn\u00ed movit\u00e1 rodina&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Rodina V\u00fdborn\u00fdch vlastn\u00ed n\u011bkolik model\u016f kol. Jejich celkovou hodnotu odhaduj\u00ed na cca 240 000 K\u010d. K poji\u0161t\u011bn\u00ed nemovitosti dom\u00e1cnosti u \u010cSOB maj\u00ed p\u0159ipojeno tzv. poji\u0161t\u011bn\u00ed individu\u00e1ln\u00edch v\u011bc\u00ed a za poji\u0161t\u011bn\u00ed plat\u00ed ro\u010dn\u011b 10 000 K\u010d. Pokud by rodina nem\u011bla kola poji\u0161t\u011bn\u00e1, platila by pouze o 700 K\u010d m\u00e9n\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vyberte si poji\u0161t\u011bn\u00ed u takov\u00e9 poji\u0161\u0165ovny, kter\u00e1 v\u00e1m zaplat\u00ed \u0161kodu, a\u0165 u\u017e v\u00e1m zlod\u011bj ukradne kolo z domu, nebo nap\u0159. z penzionu. Pokud bylo ukraden\u00e9 kolo \u0159\u00e1dn\u011b zabezpe\u010deno, poji\u0161\u0165ovna v\u00e1m<strong> vyplat\u00ed a\u017e 100 % jeho hodnoty<\/strong>. Myslete na to, \u017ee na  poji\u0161t\u011bn\u00ed individu\u00e1ln\u00edch v\u011bc\u00ed se limity pojistn\u00e9ho pln\u011bn\u00ed pro dom\u00e1cnost nevztahuj\u00ed. Dob\u0159e tak\u00e9 zva\u017ete, zda jezd\u00edte na kole pouze po \u010cesku nebo tak\u00e9 v zahrani\u010d\u00ed a zkontrolujte si, kde v\u0161ude bude pojistka platit.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chcete zjistit, u kter\u00e9 poji\u0161\u0165ovny najdete ty nejlep\u0161\u00ed podm\u00ednky za nejv\u00fdhodn\u011bj\u0161\u00ed cenu? Srovnejte si poji\u0161t\u011bn\u00ed majetku na RIXO.cz &#8211; sta\u010d\u00ed v\u00e1m na to jen 2 minuty!<\/p>\n\n\n\n<iframe loading=\"lazy\" height=\"350\" width=\"400\" frameborder=\"0\" style=\"margin-left: auto;margin-right: auto;display: block;\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/forms\/property-insurance-form\/\"><\/iframe>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:14px\"><em>Garant \u010dl\u00e1nku: <a href=\"https:\/\/www.linkedin.com\/in\/luk%C3%A1%C5%A1-plach%C3%BD-a58254143\/\" data-type=\"link\" data-id=\"https:\/\/www.linkedin.com\/in\/luk%C3%A1%C5%A1-plach%C3%BD-a58254143\/\" target=\"_blank\" rel=\"noopener\">Luk\u00e1\u0161 Plach\u00fd<\/a>, mana\u017eer \u017eivotn\u00edho a ne\u017eivotn\u00edho poji\u0161t\u011bn\u00ed RIXO.cz, zprost\u0159edkovatel poji\u0161t\u011bn\u00ed dle z\u00e1kona o distribuci poji\u0161t\u011bn\u00ed a zaji\u0161t\u011bn\u00ed, zapsan\u00fd do registru zprost\u0159edkovatel\u016f \u010cesk\u00e9 n\u00e1rodn\u00ed banky&nbsp;&nbsp;<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Investovali jste do n\u00e1kupu sv\u00e9ho kola v\u011bt\u0161\u00ed \u010d\u00e1stku? Bu\u010fte proz\u00edrav\u00ed a pojist\u011bte si ho. Porad\u00edme v\u00e1m, jak pojistit kolo spr\u00e1vn\u011b.<\/p>\n","protected":false},"author":11,"featured_media":1312,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,9],"tags":[51],"class_list":["post-1310","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","category-majetek","tag-pojisteni-majetku"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1310","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=1310"}],"version-history":[{"count":13,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1310\/revisions"}],"predecessor-version":[{"id":4777,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1310\/revisions\/4777"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1312"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1310"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1310"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1310"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}