{"id":1411,"date":"2023-07-04T14:58:56","date_gmt":"2023-07-04T12:58:56","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1411"},"modified":"2023-07-04T15:00:57","modified_gmt":"2023-07-04T13:00:57","slug":"jak-pojistit-auto","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/jak-pojistit-auto\/","title":{"rendered":"Jak pojistit auto a jak na poji\u0161t\u011bn\u00ed u\u0161et\u0159it"},"content":{"rendered":"\n<p>Po\u0159\u00edzen\u00ed auta je pro v\u011bt\u0161inu z n\u00e1s radostnou, ale i n\u00e1ro\u010dnou z\u00e1le\u017eitost\u00ed. Pokud u\u017e jste podepsali kupn\u00ed smlouvu, zb\u00fdv\u00e1 v\u00e1m p\u0159ed prvn\u00ed j\u00edzdou jen sjednat poji\u0161t\u011bn\u00ed. Jak se spr\u00e1vn\u011b pojistit a jak si vy\u0159\u00edzen\u00ed poji\u0161t\u011bn\u00ed usnadnit? Uvid\u00edte, \u017ee je to jednodu\u0161\u0161\u00ed, ne\u017e se zd\u00e1.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak\u00e9 jsou druhy poji\u0161t\u011bn\u00ed pro automobily?<\/h2>\n\n\n\n<p>Nem\u00e1te p\u0159ehled v poji\u0161t\u011bn\u00ed aut? S na\u0161\u00edm tah\u00e1kem u\u017e v\u00e1hat nebudete. Tak p\u011bkn\u011b popo\u0159\u00e1dku:<\/p>\n\n\n\n<ul>\n<li><strong>Povinn\u00e9 ru\u010den<\/strong>\u00ed \u2013<strong> <\/strong>povinn\u00e9 poji\u0161t\u011bn\u00ed pro provoz automobilu, ze kter\u00e9ho poji\u0161\u0165ovna kryje \u0161kody zp\u016fsoben\u00e9 v\u00e1mi ostatn\u00edm<\/li>\n\n\n\n<li><strong>Havarijn\u00ed poji\u0161t\u011bn\u00ed<\/strong> \u2013 nepovinn\u00e9 poji\u0161t\u011bn\u00ed, ze kter\u00e9ho poji\u0161\u0165ovna kryje \u0161kody vznikl\u00e9 na va\u0161em majetku a zdrav\u00ed zp\u016fsoben\u00e9 vlastn\u00ed vinou, p\u0159\u00edrodn\u00edm ne\u0161t\u011bst\u00edm apod.<\/li>\n\n\n\n<li><strong>P\u0159ipoji\u0161t\u011bn\u00ed<\/strong> \u2013 dopl\u0148kov\u00e9 nepovinn\u00e9 poji\u0161t\u011bn\u00ed r\u016fzn\u00fdch \u010d\u00e1st\u00ed automobilu, nap\u0159\u00edklad \u010deln\u00edho skla, kol \u010di pneumatik, zavazadel nebo \u00farazov\u00e9 poji\u0161t\u011bn\u00ed osob v aut\u011b.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Bez povinn\u00e9ho ru\u010den\u00ed nesm\u00edte vyjet<\/h2>\n\n\n\n<p>U\u017e jen samotn\u00fd n\u00e1zev nazna\u010duje, \u017ee <strong>bez tohoto poji\u0161t\u011bn\u00ed byste se na silnici v\u016fbec nem\u011bli uk\u00e1zat<\/strong>. Vyjet do provozu s\u202f<a href=\"https:\/\/www.rixo.cz\/blog\/nepojistene-vozidlo\/\">nepoji\u0161t\u011bn\u00fdm autem<\/a> nen\u00ed rozumn\u00e9. A to i v\u202fp\u0159\u00edpad\u011b, \u017ee pojedete naprosto uk\u00e1zkov\u011b. Se sjedn\u00e1n\u00edm proto neot\u00e1lejte a m\u011bjte u sebe doklad o povinn\u00e9m ru\u010den\u00ed u\u017e p\u0159i prvn\u00edm sednut\u00ed za volant. Z povinn\u00e9ho ru\u010den\u00ed toti\u017e va\u0161e <strong>poji\u0161\u0165ovna hrad\u00ed \u0161kody, kter\u00e9 provozem auta zp\u016fsob\u00edte ostatn\u00edm<\/strong>, a\u0165 u\u017e na majetku nebo zdrav\u00ed.<\/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\"><\/div>\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 is-style-fill\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\" style=\"background-color:#605db5\">Srovnejte si povinn\u00e9 ru\u010den\u00ed<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Pro sjedn\u00e1n\u00ed povinn\u00e9ho ru\u010den\u00ed <strong>pot\u0159ebujete jen registra\u010dn\u00ed zna\u010dku a va\u0161e jm\u00e9no, rodn\u00e9 \u010d\u00edslo a adresu bydli\u0161t\u011b<\/strong>. Ne\u017e se ale up\u00ed\u0161ete k prvn\u00ed poji\u0161\u0165ovn\u011b, kter\u00e1 v\u00e1s napadne, vyu\u017eijte online <a href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\">srovn\u00e1n\u00ed povinn\u00e9ho ru\u010den\u00ed<\/a>.<a href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\"> <\/a><strong>N\u00e1\u0161 srovn\u00e1va\u010d v\u00e1m b\u011bhem chvilky uk\u00e1\u017ee podm\u00ednky \u0159ady p\u0159edn\u00edch poji\u0161\u0165oven<\/strong> a \u010dasto v\u00e1m dok\u00e1\u017ee nab\u00eddnout cenu, kterou na pobo\u010dce nez\u00edsk\u00e1te. Pom\u016f\u017ee v\u00e1m tak\u00e9 uzav\u0159\u00edt smlouvy z pohodl\u00ed domova a ihned po \u00fahrad\u011b pojistn\u00e9ho m\u016f\u017eete se zaslanou zelenou kartou vyrazit do provozu, pokud v\u00e1m ji\u017e poji\u0161t\u011bn\u00ed takzvan\u011b \u201cb\u011b\u017e\u00ed\u201d.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Jak u\u0161et\u0159it na povinn\u00e9m ru\u010den\u00ed?<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.rixo.cz\/blog\/cena-povinneho-ruceni\/\"><strong>Cena povinn\u00e9ho ru\u010den\u00ed<\/strong><\/a><strong> je zcela individu\u00e1ln\u00ed<\/strong> \u2013 ovliv\u0148uje ji zejm\u00e9na model a st\u00e1\u0159\u00ed vozidla, m\u00edsto va\u0161eho trval\u00e9ho bydli\u0161t\u011b nebo t\u0159eba v\u00e1\u0161 v\u011bk, \u0159idi\u010dsk\u00e9 zku\u0161enosti a p\u0159edchoz\u00ed chov\u00e1n\u00ed v\u202fprovozu, tedy v\u00e1\u0161 bonus \u010di malus. Na v\u00fdslednou cenu m\u00e1 tak\u00e9 vliv to, zda zaplat\u00edte ro\u010dn\u00ed pojistn\u00e9 nar\u00e1z, nebo si ji rozlo\u017e\u00edte. \u00dahrada ve spl\u00e1tk\u00e1ch v\u00e1s vyjde o n\u011bco dr\u00e1\u017e. Do rozhodov\u00e1n\u00ed krom\u011b ceny <strong>zahr\u0148te v\u00fd\u0161i pojistn\u00e9ho limitu a asisten\u010dn\u00ed slu\u017eby<\/strong>, kter\u00e9 m\u016f\u017eete vyu\u017e\u00edt.\u202f&nbsp;<\/p>\n\n\n\n<p>Pamatujte tak\u00e9 na on-line srovn\u00e1n\u00ed cen poji\u0161t\u011bn\u00ed a vyu\u017eijte limitovan\u00e9 nab\u00eddky a akce, kter\u00e9 v\u00e1m srovn\u00e1va\u010d zprost\u0159edkuje \u2013 slevov\u00e9 nab\u00eddky tak\u00e9 dok\u00e1\u017eou va\u0161emu kontu v\u00fdrazn\u011b ulevit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Havarijn\u00ed poji\u0161t\u011bn\u00ed nen\u00ed povinn\u00e9, ale vyplat\u00ed se ho m\u00edt<\/h2>\n\n\n\n<p>Kdo zaplat\u00ed \u0161kody v\u00e1m, kdy\u017e si od\u0159ete auto p\u0159i parkov\u00e1n\u00ed v gar\u00e1\u017ei? Pokud nem\u00e1te<a href=\"https:\/\/www.rixo.cz\/havarijni-pojisteni\/\"> havarijn\u00ed poji\u0161t\u011bn\u00ed<\/a>, <strong>nem\u016f\u017eete se spol\u00e9hat<\/strong> na nic ne\u017e vlastn\u00ed pen\u011b\u017eenku. Je zcela na v\u00e1s, zda si \u201ehavarijko\u201c sjedn\u00e1te, zbyst\u0159it by v\u0161ak m\u011bli hlavn\u011b <strong>majitel\u00e9 nov\u00fdch nebo dra\u017e\u0161\u00edch aut<\/strong>. K zahozen\u00ed ale nen\u00ed nikdy.\u202fDok\u00e1\u017ee v\u00e1s vyt\u00e1hnout z\u202fmal\u00e9ru p\u0159i \u0161kod\u011b vznikl\u00e9 nap\u0159\u00edklad v kv\u016fli nehod\u011b, z\u00e1sahu vandal\u016f a zlod\u011bj\u016f, st\u0159etu se zv\u011b\u0159\u00ed, p\u00e1du stromu, krupobit\u00ed nebo povodni. \u010c\u00edm v\u00edce rizik si pojist\u00edte, t\u00edm klidn\u011bj\u0161\u00ed m\u016f\u017eete b\u00fdt.\u202f&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-4 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:#605db5\">Srovnejte si havarijn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Sjedn\u00e1n\u00ed havarijn\u00edho poji\u0161t\u011bn\u00ed se p\u0159\u00edli\u0161 neli\u0161\u00ed od povinn\u00e9ho ru\u010den\u00ed. Krom\u011b identifikace v\u00e1s a va\u0161eho auta si v\u011bt\u0161ina poji\u0161\u0165oven je\u0161t\u011b ov\u011b\u0159\u00ed <strong>aktu\u00e1ln\u00ed stav auta fotodokumentac\u00ed nebo prohl\u00eddkou<\/strong>. V\u00fdb\u011br op\u011bt v\u00fdrazn\u011b usnadn\u00ed on-line srovn\u00e1n\u00ed cen. Na\u0161i specialist\u00e9 poji\u0161t\u011bn\u00ed v\u00e1m na z\u00e1klad\u011b konkr\u00e9tn\u00edch \u00fadaj\u016f doporu\u010d\u00ed mo\u017enosti s nejlep\u0161\u00edm pom\u011brem ceny a v\u00fdkonu.\u202f&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Jak u\u0161et\u0159it na havarijn\u00edm poji\u0161t\u011bn\u00ed?&nbsp;<\/h3>\n\n\n\n<p>Faktory ovliv\u0148uj\u00edc\u00ed v\u00fd\u0161i pojistn\u00e9ho jsou stejn\u00e9 jako u povinn\u00e9ho ru\u010den\u00ed. Cenu zde ur\u010duje je\u0161t\u011b <strong>hodnota vozidla a<\/strong> <strong>v\u00fd\u0161e spolu\u00fa\u010dasti<\/strong>, tedy \u010d\u00e1stky, kterou se na p\u0159\u00edpadn\u00e9 \u0161kod\u011b budete pod\u00edlet. A samoz\u0159ejm\u011b z\u00e1le\u017e\u00ed na rozsahu poskytovan\u00e9ho kryt\u00ed. Pokud se v\u00e1m nevyplat\u00ed sjedn\u00e1vat havarijn\u00ed poji\u0161t\u011bn\u00ed na cel\u00fd rok, jsou tu pro v\u00e1s i <strong>kr\u00e1tkodob\u00e9 varianty<\/strong> poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<p>Myslete na n\u00e1strahy i p\u0159i cestov\u00e1n\u00ed. Pokud se pr\u00e1v\u011b chyst\u00e1te vyrazit autem na dovolenou, p\u0159ijde v\u00e1m vhod sjedn\u00e1n\u00ed cestovn\u00edho poji\u0161t\u011bn\u00ed v\u010detn\u011b asisten\u010dn\u00edch slu\u017eeb v zahrani\u010d\u00ed. O porouchan\u00e9 auto a hled\u00e1n\u00ed m\u00edstn\u00edho servisu se ochotn\u011b postaraj\u00ed profesion\u00e1lov\u00e9.\u202f &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak se poji\u0161\u0165uje nov\u00e9 auto&nbsp;<\/h2>\n\n\n\n<p>P\u0159i n\u00e1kupu nov\u00e9ho auta v\u00e1m v\u011bt\u0161inou poji\u0161t\u011bn\u00ed <strong>autosalon rovnou nab\u00eddne<\/strong>. Spolupracuj\u00edc\u00ed poji\u0161\u0165ovna prodejce ale nemus\u00ed b\u00fdt zrovna v\u00fdhodn\u00e1. V\u202fp\u0159\u00edpad\u011b, \u017ee vyhl\u00ed\u017e\u00edte lep\u0161\u00ed cenu, kryt\u00ed nebo si prost\u011b jen chcete zmapovat nab\u00eddky na trhu, nechte si poji\u0161t\u011bn\u00ed srovnat.&nbsp;&nbsp;<\/p>\n\n\n\n<p>U nov\u00e9ho auta si poji\u0161t\u011bn\u00ed bez probl\u00e9mu <strong>sjedn\u00e1te s VIN k\u00f3dem,<\/strong> i kdy\u017e doklady ani samotn\u00e9 auto nem\u00e1te po ruce. Po sjedn\u00e1n\u00ed povinn\u00e9ho ru\u010den\u00ed zajdete (se zelenou kartou v ruce) na \u00fa\u0159ad a auto registrujete. Poji\u0161\u0165ovn\u011b pak u\u017e jen sta\u010d\u00ed nahl\u00e1sit nov\u011b z\u00edskanou <strong>registra\u010dn\u00ed zna\u010dku<\/strong>.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak sjednat poji\u0161t\u011bn\u00ed auta a u\u0161et\u0159it pen\u00edze?<\/h2>\n\n\n\n<p>Levn\u011bj\u0161\u00ed nemus\u00ed v\u017edy znamenat lep\u0161\u00ed. Ka\u017ed\u00fd z n\u00e1s chce u\u0161et\u0159it, ale v\u00edte, na co si u poji\u0161t\u011bn\u00ed auta d\u00e1vat pozor?<\/p>\n\n\n\n<ul>\n<li><strong>Nepodce\u0148ujte v\u00fd\u0161i pojistn\u00e9ho limitu<\/strong>. \u0160kodu v\u202f\u0159\u00e1du vy\u0161\u0161\u00edch des\u00edtek milion\u016f m\u016f\u017eete nap\u00e1chat velmi snadno.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>Zkontrolujte rozsah asisten\u010dn\u00edch slu\u017eeb<\/strong> obsa\u017een\u00fdch ve smlouv\u011b. Z\u00e1kladn\u00ed slu\u017eby v\u00e1m v\u202fnouzi nemus\u00ed sta\u010dit.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>Pe\u010dliv\u011b si prostudujte v\u00fdluky z\u202fpoji\u0161t\u011bn\u00ed<\/strong>, kter\u00e9 jsou sou\u010d\u00e1st\u00ed pojistn\u00e9 smlouvy.\u202f&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Za podez\u0159ele <strong>n\u00edzkou cenou poji\u0161t\u011bn\u00ed<\/strong> se mohou skr\u00fdvat velmi <strong>nev\u00fdhodn\u00e9 podm\u00ednky<\/strong>.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Pokud jste po sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed narazili na lep\u0161\u00ed nab\u00eddku, <strong>do 2 m\u011bs\u00edc\u016f m\u016f\u017eete smlouvu vypov\u011bd\u011bt<\/strong> bez ud\u00e1n\u00ed d\u016fvodu.\u202f&nbsp;<\/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-1 wp-block-group-is-layout-flex\">\n<iframe loading=\"lazy\" height=\"450\" 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>Po\u0159\u00edzen\u00ed auta je pro v\u011bt\u0161inu z n\u00e1s radostnou, ale i n\u00e1ro\u010dnou z\u00e1le\u017eitost\u00ed. Pokud u\u017e jste podepsali kupn\u00ed smlouvu, zb\u00fdv\u00e1 v\u00e1m p\u0159ed prvn\u00ed j\u00edzdou jen sjednat poji\u0161t\u011bn\u00ed. Jak se spr\u00e1vn\u011b pojistit a jak si vy\u0159\u00edzen\u00ed poji\u0161t\u011bn\u00ed usnadnit? Uvid\u00edte, \u017ee je to jednodu\u0161\u0161\u00ed, ne\u017e se zd\u00e1.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":1413,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,6],"tags":[17,22],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1411"}],"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=1411"}],"version-history":[{"count":4,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1411\/revisions"}],"predecessor-version":[{"id":1418,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1411\/revisions\/1418"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1413"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1411"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1411"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1411"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}