{"id":1430,"date":"2023-07-17T14:33:11","date_gmt":"2023-07-17T12:33:11","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1430"},"modified":"2023-10-06T16:15:17","modified_gmt":"2023-10-06T14:15:17","slug":"havarijni-pojisteni-pro-elektromobil-na-co-dat-pozor","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/havarijni-pojisteni-pro-elektromobil-na-co-dat-pozor\/","title":{"rendered":"Havarijn\u00ed poji\u0161t\u011bn\u00ed pro elektromobil: Na co d\u00e1t pozor?\u00a0"},"content":{"rendered":"\n<p>Pokud jste majitelem elektromobilu a rozhodli jste se uzav\u0159\u00edt havarijn\u00ed poji\u0161t\u011bn\u00ed, m\u00e1te dob\u0159e nakro\u010deno. U elektromobil\u016f, kter\u00e9 nejsou zdaleka tou nejlevn\u011bj\u0161\u00ed investic\u00ed, je rozhodn\u011b dobr\u00e9 havarijn\u00ed poji\u0161t\u011bn\u00ed m\u00edt a neriskovat. A\u010dkoliv v\u00e1s pojistn\u00e9 na n\u011bjakou tu korunu vyjde, oproti pokryt\u00ed vysok\u00fdch n\u00e1klad\u016f z vlastn\u00ed kapsy je havarijko pro va\u0161i pen\u011b\u017eenku mnohem p\u0159\u00edjemn\u011bj\u0161\u00ed volbou.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Je havarijn\u00ed poji\u0161t\u011bn\u00ed pro elektromobil dra\u017e\u0161\u00ed oproti havarijku pro vozy s klasick\u00fdm pohonem?<\/h2>\n\n\n\n<p>Co ur\u010duje cenu havarijn\u00edho poji\u0161t\u011bn\u00ed pro elektromobil? Cenu poji\u0161t\u011bn\u00ed obecn\u011b ovliv\u0148uje n\u011bkolik faktor\u016f, kam pat\u0159\u00ed nap\u0159\u00edklad v\u00e1\u0161 v\u011bk, m\u00edsto trval\u00e9ho bydli\u0161t\u011b, va\u0161e p\u0159edchoz\u00ed \u0159idi\u010dsk\u00e1 historie a datum prvn\u00ed registrace, hmotnost i v\u00fdkon vozidla, kter\u00fd je u elektromobil\u016f v pom\u011brn\u011b vysok\u00fdch hodnot\u00e1ch.<\/p>\n\n\n\n<p>U havarijn\u00edho poji\u0161t\u011bn\u00ed se v\u00fdpo\u010det ceny \u0159\u00edd\u00ed tak\u00e9 krit\u00e9riem hodnoty vozidla a poji\u0161\u0165ovny mysl\u00ed i na to, jak \u010dast\u00e9 a v\u00e1\u017en\u00e9 mohou b\u00fdt z\u00e1vady na aut\u011b, kolik stoj\u00ed jejich oprava nebo jak dostupn\u00e9 jsou n\u00e1hradn\u00ed d\u00edly. Pr\u00e1v\u011b to jsou d\u016fvody, pro\u010d je havarijn\u00ed poji\u0161t\u011bn\u00ed u elektromobilu zpravidla dra\u017e\u0161\u00ed ne\u017e u aut se spalovac\u00edm motorem. <a href=\"https:\/\/www.rixo.cz\/blog\/povinne-ruceni-pro-elektromobil-hybrid-na-co-dat-pozor\/\">Povinn\u00e9 ru\u010den\u00ed<\/a> na elektromobil naopak sjedn\u00e1te zpravidla ve stejn\u00e9 cenov\u00e9 hladin\u011b jako u auta se spalovac\u00edm motorem, u hybrid\u016f dokonce levn\u011bji.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pro\u010d je d\u016fle\u017eit\u00e9 m\u00edt havarijn\u00ed poji\u0161t\u011bn\u00ed pro elektromobil&nbsp;<\/h2>\n\n\n\n<p>Elektromobil je technicky slo\u017eit\u00fdm typem automobilu, kter\u00fd v\u00e1\u0161 nejbli\u017e\u0161\u00ed automechanik pravd\u011bpodobn\u011b nezvl\u00e1dne ani diagnostikovat a baterii narozd\u00edl od motoru jen nem\u016f\u017ee rozebrat a zase slo\u017eit. Servis elektromobilu mo\u017en\u00e1 bude st\u00e1le \u010dast\u011bj\u0161\u00ed dovednost\u00ed autoservis\u016f, ale zat\u00edm jde o vysoce specializovanou \u010dinnost. Z\u00e1rove\u0148 v p\u0159\u00edpad\u011b nehody je oprava velmi n\u00e1kladn\u00e1. Nep\u0159eh\u00e1n\u00edme \u2013 t\u0159eba takov\u00e1 v\u00fdm\u011bna baterie za\u010d\u00edn\u00e1 na 250 000 korun\u00e1ch.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak\u00e1 rizika pokr\u00fdv\u00e1 havarijn\u00ed poji\u0161t\u011bn\u00ed pro elektromobil<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.rixo.cz\/havarijni-pojisteni\/\">Havarijn\u00ed poji\u0161t\u011bn\u00ed<\/a>, jak\u00e9 zn\u00e1te u automobil\u016f se spalovac\u00edm motorem, se od havarijn\u00edho poji\u0161t\u011bn\u00ed elektromobil\u016f p\u0159\u00edli\u0161 neli\u0161\u00ed. Krom\u011b hav\u00e1rie se k pojistiteln\u00fdm rizik\u016fm \u0159ad\u00ed kr\u00e1de\u017e, st\u0159et se zv\u011b\u0159\u00ed, po\u0161kozen\u00ed zv\u00ed\u0159etem, vandalismus nebo \u017eiveln\u00ed ud\u00e1losti, typicky p\u0159itom jde o po\u0161kozen\u00ed auta spadl\u00fdm stromem, krupobit\u00edm nebo povodn\u00ed. Zahrnuje ale nav\u00edc i specifick\u00e1 rizika, jako je nap\u0159\u00edklad ztr\u00e1ta nab\u00edjec\u00edch kabel\u016f. Poji\u0161\u0165ovna v r\u00e1mci havarijka kryje samoz\u0159ejm\u011b tak\u00e9 v\u00fdm\u011bnu baterie. Velkou v\u00fdhodou je tak\u00e9 nab\u00eddka asisten\u010dn\u00edch slu\u017eeb v p\u0159\u00edpad\u011b, \u017ee byste v\u010das nestihli dob\u00edt baterku a z\u016fstali st\u00e1t u krajnice.&nbsp;<\/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\/havarijni-pojisteni\/\" style=\"background-color:#605db5\">Chci srovnat havarijn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n\n\n\n<p>Pokud byste kv\u016fli oprav\u00e1m elektromobilu museli vyu\u017e\u00edt n\u00e1hradn\u00ed vozidlo, po\u010d\u00edtejte s t\u00edm, \u017ee si budete muset op\u011bt zvyknout na \u0159\u00edzen\u00ed benz\u00ednov\u00e9ho nebo naftov\u00e9ho auta. Na to, a\u017e poji\u0161\u0165ovny budou garantovat n\u00e1hradn\u00ed elektromobily ke kr\u00e1tkodob\u00e9mu zap\u016fj\u010den\u00ed, si je\u0161t\u011b chv\u00edli po\u010dk\u00e1me.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak vybrat nejv\u00fdhodn\u011bj\u0161\u00ed havarijn\u00ed poji\u0161t\u011bn\u00ed pro v\u00e1\u0161 elektromobil<\/h2>\n\n\n\n<p>P\u0159i v\u00fdb\u011bru havarijn\u00edho poji\u0161t\u011bn\u00ed pro elektromobil sledujte p\u0159edev\u0161\u00edm rozsah kryt\u00ed a v neposledn\u00ed \u0159ad\u011b tak\u00e9 spolu\u00fa\u010dast. Ta m\u016f\u017ee b\u00fdt ur\u010dena pevnou \u010d\u00e1stkou, p\u0159\u00edpadn\u011b se m\u016f\u017ee pohybovat od 1 do 20 procent \u0161kody. P\u0159i cen\u00e1ch oprav a d\u00edl\u016f to nen\u00ed v\u016fbec zanedbateln\u00e1 polo\u017eka. <\/p>\n\n\n\n<p>Pokud si sjedn\u00e1te kompletn\u00ed <a href=\"https:\/\/www.rixo.cz\/pojisteni-vozidel\/\">povinn\u00e9 ru\u010den\u00ed a havarijn\u00ed poji\u0161t\u011bn\u00ed<\/a> najednou, poji\u0161\u0165ovny v\u00e1m nab\u00eddnou v\u00fdhodn\u011bj\u0161\u00ed ceny.&nbsp;P\u0159i v\u00fdb\u011bru se ujist\u011bte, \u017ee sjedn\u00e1v\u00e1te to nejlep\u0161\u00ed havarijn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 je aktu\u00e1ln\u011b na trhu. <a href=\"https:\/\/www.rixo.cz\/havarijni-pojisteni\/\">Online srovn\u00e1va\u010d RIXO<\/a> v\u00e1m b\u011bhem dvou minut uk\u00e1\u017ee nab\u00eddky p\u0159edn\u00edch poji\u0161\u0165oven a pom\u016f\u017ee v\u00e1m vybrat tu nejlep\u0161\u00ed. Pokud si nev\u00edte rady, nev\u00e1hejte se zeptat na\u0161ich specialist\u016f 24 hodin 7 dn\u00ed v t\u00fddnu.<\/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=\"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>Pokud jste majitelem elektromobilu a rozhodli jste se uzav\u0159\u00edt havarijn\u00ed poji\u0161t\u011bn\u00ed, m\u00e1te dob\u0159e nakro\u010deno. U elektromobil\u016f, kter\u00e9 nejsou zdaleka tou nejlevn\u011bj\u0161\u00ed investic\u00ed, je rozhodn\u011b dobr\u00e9 havarijn\u00ed poji\u0161t\u011bn\u00ed m\u00edt a neriskovat. <\/p>\n","protected":false},"author":11,"featured_media":1433,"comment_status":"closed","ping_status":"closed","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\/1430"}],"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=1430"}],"version-history":[{"count":9,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1430\/revisions"}],"predecessor-version":[{"id":1481,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1430\/revisions\/1481"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1433"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1430"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1430"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1430"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}