{"id":1790,"date":"2023-12-04T09:36:12","date_gmt":"2023-12-04T08:36:12","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1790"},"modified":"2023-12-04T09:36:14","modified_gmt":"2023-12-04T08:36:14","slug":"pojisteni-odpovednosti-pro-ridice-z-povolani","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/pojisteni-odpovednosti-pro-ridice-z-povolani\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti pro \u0159idi\u010de z povol\u00e1n\u00ed: Jak to funguje?"},"content":{"rendered":"\n<p>\u0158\u00eddit \u010dty\u0159i a p\u016fl hodiny v kuse nen\u00ed jednoduch\u00e9. A \u010d\u00edm d\u00e9le sed\u00edte za volantem, t\u00edm v\u011bt\u0161\u00ed je pravd\u011bpodobnost, \u017ee v\u00e1s p\u0159i rutinn\u00ed \u010dinnosti va\u0161e schopnosti jednoho dne zklamou. Sta\u010d\u00ed jen chvilka nepozornosti a nehoda je na sv\u011bt\u011b. Jak\u00e9 m\u00e1te mo\u017enosti, kdy\u017e se chcete chr\u00e1nit p\u0159ed placen\u00edm \u0161kod, kter\u00e9 nedopat\u0159en\u00edm zp\u016fsob\u00edte jako \u0159idi\u010d z povol\u00e1n\u00ed? P\u0159ece poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance!<\/p>\n\n\n\n<p>Sv\u011btla sv\u00edt\u00ed, st\u011bra\u010de st\u00edraj\u00ed, klakson troub\u00ed\u2026Je \u0159\u00edzen\u00ed firemn\u00edho auta, n\u00e1kla\u010f\u00e1ku nebo dokonce autobusu va\u0161\u00edm ka\u017edodenn\u00edm chlebem? Nem\u011bli byste zapom\u00ednat nejen na pravideln\u00fd odpo\u010dinek a kontrolu technick\u00e9ho stavu vozidla, ale ani na poji\u0161t\u011bn\u00ed, kter\u00e9 v\u00e1s m\u016f\u017ee zachr\u00e1nit p\u0159ed hodn\u011b drah\u00fdm mal\u00e9rem. A nebav\u00edme se zde o povinn\u00e9m ru\u010den\u00ed nebo havarijn\u00edm poji\u0161t\u011bn\u00ed, ale o \u010dasto opom\u00edjen\u00e9m poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pro koho je vhodn\u00e9 poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance?&nbsp;<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance za \u0161kodu zp\u016fsobenou zam\u011bstnavateli (zkr\u00e1cen\u011b zamzam) si m\u016f\u017ee sjednat ka\u017ed\u00fd, kdo pracuje na <strong>pracovn\u00ed smlouvu<\/strong>, p\u0159\u00edpadn\u011b i na <strong>dohodu <\/strong>o pracovn\u00ed \u010dinnosti nebo o proveden\u00ed pr\u00e1ce. Poji\u0161t\u011bn\u00ed zam\u011bstnance v\u00e1s ochr\u00e1n\u00ed p\u0159ed placen\u00edm \u0161kod, kter\u00e9 zp\u016fsob\u00edte va\u0161emu zam\u011bstnavateli. Podm\u00ednkou ov\u0161em je, \u017ee ke \u0161kod\u011b mus\u00ed doj\u00edt <strong>p\u0159i pr\u00e1ci (respektive pln\u011bn\u00ed pracovn\u00edch \u00fakol\u016f) a ne\u00famysln\u011b.<\/strong> Zam\u011bstnavatel po v\u00e1s v p\u0159\u00edpad\u011b \u0161kody m\u016f\u017ee po\u017eadovat <a href=\"https:\/\/www.rixo.cz\/blog\/skoda-zpusobena-zamestnancem\/\">uhrazen\u00ed \u0161kody<\/a> a\u017e do <strong>4,5 n\u00e1sobku<\/strong> va\u0161\u00ed pr\u016fm\u011brn\u00e9 hrub\u00e9 m\u011bs\u00ed\u010dn\u00ed mzdy. Pokud ale m\u00e1te poji\u0161t\u011bn\u00ed zamzam, zaplat\u00edte jen spolu\u00fa\u010dast a zbytek uhrad\u00ed poji\u0161\u0165ovna.&nbsp;<\/p>\n\n\n\n<p>Pokud se v pr\u00e1ci v\u011bnujete alespo\u0148 ob\u010das <strong>\u0159\u00edzen\u00ed vozidla<\/strong>, va\u0161e pojistka by m\u011bla obsahovat tak\u00e9 kryt\u00ed <strong>\u0161kod zp\u016fsoben\u00fdch p\u0159i \u0159\u00edzen\u00ed<\/strong> dopravn\u00edho prost\u0159edku. Tato rizika jsou toti\u017e v b\u011b\u017en\u00e9 variant\u011b poji\u0161t\u011bn\u00ed <strong>vylou\u010dena<\/strong>. Jestli\u017ee pracujete nap\u0159\u00edklad jako obchodn\u00ed z\u00e1stupce a cestujete za klienty autem, posta\u010d\u00ed varianta \u201es ob\u010dasn\u00fdm \u0159\u00edzen\u00edm\u201c. Jestli je ale va\u0161\u00ed hlavn\u00ed pracovn\u00ed n\u00e1pln\u00ed \u0159\u00edzen\u00ed, zvolit mus\u00edte variantu pro \u0159idi\u010de \u201eprofesion\u00e1la\u201c. Tato poji\u0161t\u011bn\u00ed kryj\u00ed zp\u016fsoben\u00e9 \u0161kody na majetku zam\u011bstnavatele, v roz\u0161\u00ed\u0159en\u00e9m nastaven\u00ed i v\u010detn\u011b samotn\u00e9ho vozidla a jeho n\u00e1kladu.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jste \u0159idi\u010d z povol\u00e1n\u00ed nebo jen \u201cob\u010dasn\u00fd \u0159idi\u010d\u201d?&nbsp;<\/h2>\n\n\n\n<p>Na nastaven\u00ed poji\u0161t\u011bn\u00ed i jeho cenu m\u00e1 vliv, <strong>jak \u010dasto a jak\u00fd dopravn\u00ed prost\u0159edek<\/strong> \u0159\u00edd\u00edte. Jako dopravn\u00ed prost\u0159edek poji\u0161\u0165ovny ozna\u010duj\u00ed nejen r\u016fzn\u00e1 <strong>silni\u010dn\u00ed vozidla <\/strong>v\u010detn\u011b <a href=\"https:\/\/www.rixo.cz\/pojisteni-nakladnich-vozidel\/\">n\u00e1kladn\u00edch vozidel<\/a> a taha\u010d\u016f, ale i vysokozdvi\u017en\u00fd voz\u00edk, bagr, sn\u011b\u017enou rolbu, naklada\u010d a \u0159adu dal\u0161\u00edch <strong>pracovn\u00edch stroj\u016f<\/strong>. Riziko \u0159\u00edzen\u00ed ka\u017ed\u00e9ho z t\u011bchto vozidel ale poji\u0161\u0165ovny hodnot\u00ed jinak.&nbsp;<\/p>\n\n\n\n<p>U v\u00fdb\u011bru pojistky se proto m\u016f\u017eete setkat se t\u0159emi kategoriemi pro rozli\u0161en\u00ed rizikovosti va\u0161\u00ed \u010dinnosti. I ve <a href=\"https:\/\/www.rixo.cz\/pojisteni-odpovednosti-zamestnance\/\">srovn\u00e1n\u00ed nab\u00eddek poji\u0161t\u011bn\u00ed<\/a> na RIXO.cz tedy rozli\u0161ujeme <strong>\u0159idi\u010de pracovn\u00edch stroj\u016f, \u0159idi\u010de z povol\u00e1n\u00ed a ob\u010dasn\u00e9 \u0159idi\u010de<\/strong>. V nab\u00eddce poji\u0161\u0165oven se posledn\u00ed jmenovan\u00e1 kategorie n\u011bkdy naz\u00fdv\u00e1 tak\u00e9 jako \u201c\u0159idi\u010d referent\u201d.&nbsp;<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/themes\/breek\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/lh7-us.googleusercontent.com\/6TAr7BAWrnQAwyFu-7Gd0__oVz74Cdkh8JggubTQ3gHrHHVWuNLqhuaeAe7efxTLfNE1A1IoNtQ7MibJhAfvbfc-cHQooqdY801L9XmJyUVRDKrW6Y-1mGhaJehvGf3fSEI6mDWNaWqcRXk6tx2RAEg\" alt=\"poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance\" \/><figcaption class=\"wp-element-caption\"><em>Dotazn\u00edk ve srovn\u00e1n\u00ed poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance na rixo.cz<\/em><\/figcaption><\/figure><\/div>\n\n\n<p>Jak poznat, jak\u00e1 kategorie je ta \u201cva\u0161e\u201d? U \u0159idi\u010d\u016f z povol\u00e1n\u00ed je to jednoduch\u00e9 &#8211; ozna\u010den\u00ed \u201c\u0159idi\u010d\u201d najdete na sv\u00e9 <strong>pracovn\u00ed smlouv\u011b<\/strong> a \u0159\u00edzen\u00ed je va\u0161\u00ed <strong>jedinou nebo p\u0159eva\u017euj\u00edc\u00ed n\u00e1pln\u00ed <\/strong>va\u0161\u00ed pr\u00e1ce. Ob\u010dasn\u00fdm \u0159\u00edzen\u00edm vozidel pak poji\u0161\u0165ovny ozna\u010duj\u00ed \u010dinnost, kter\u00e1 je mo\u017en\u00e1 <strong>v\u00fdznamnou sou\u010d\u00e1st\u00ed<\/strong> va\u0161eho zam\u011bstn\u00e1n\u00ed, ale <strong>nen\u00ed hlavn\u00ed n\u00e1pln\u00ed<\/strong> va\u0161\u00ed pr\u00e1ce. P\u0159edstavte si nap\u0159\u00edklad obchodn\u00edho z\u00e1stupce, kter\u00fd se slu\u017eebn\u00edm autem dopravuje na sch\u016fzky nebo soci\u00e1ln\u00edho pracovn\u00edka, kter\u00fd se autem dopravuje za sv\u00fdmi klienty po m\u011bst\u011b. Zcela specifickou kategori\u00ed je pak \u0159\u00edzen\u00ed pracovn\u00edch stroj\u016f, kter\u00e9 m\u016f\u017ee b\u00fdt <strong>sou\u010d\u00e1st\u00ed pracovn\u00ed n\u00e1pln\u011b r\u016fzn\u00fdch profes\u00ed<\/strong> (nap\u0159. skladn\u00edk, bagrista, oper\u00e1tor v\u00fdroby a podobn\u011b).&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Na co si p\u0159i sjedn\u00e1v\u00e1n\u00ed poji\u0161t\u011bn\u00ed odpov\u011bdnosti pro \u0159idi\u010de d\u00e1vat pozor?&nbsp;<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance pro \u0159idi\u010de poji\u0161\u0165ovny nab\u00edz\u00ed v mnoha variant\u00e1ch. Ne\u017e proto n\u011bjakou pojistku uzav\u0159ete, ov\u011b\u0159te si, \u017ee v\u00e1s bude chr\u00e1nit p\u0159ed t\u00edm, co opravdu pot\u0159ebujete. Pozornost v\u011bnujte pojistn\u00fdm \u010d\u00e1stk\u00e1m, \u00fazemn\u00edmu rozsahu i jednotliv\u00fdm rizik\u016fm, kter\u00e1 jsou v poji\u0161t\u011bn\u00ed obsa\u017eena.&nbsp;<\/p>\n\n\n\n<p>Na jakou pojistnou \u010d\u00e1stku si sjednat kryt\u00ed rizik v r\u00e1mci poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance? A\u0165 u\u017e \u0159\u00edd\u00edte ka\u017ed\u00fd pracovn\u00ed den nebo jen p\u00e1rkr\u00e1t do m\u011bs\u00edce, v\u017edy by pojistn\u00e1 \u010d\u00e1stka m\u011bla odpov\u00eddat nejvy\u0161\u0161\u00ed \u010d\u00e1stce, kterou po v\u00e1s m\u016f\u017ee zam\u011bstnavatel v p\u0159\u00edpad\u011b \u0161kody po\u017eadovat, tedy d\u0159\u00edve zm\u00edn\u011bn\u00e9mu <strong>4,5 n\u00e1sobku<\/strong> va\u0161\u00ed pr\u016fm\u011brn\u00e9 <strong>hrub\u00e9 m\u011bs\u00ed\u010dn\u00ed mzdy<\/strong>. A to v\u010detn\u011b r\u016fzn\u00fdch <strong>p\u0159\u00edplatk\u016f a odm\u011bn<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Jak\u00fd \u00fazemn\u00ed rozsah zvolit? Nej\u010dast\u011bji se poji\u0161t\u011bn\u00ed v z\u00e1kladu vztahuje pouze na<strong> \u010ceskou republiku<\/strong>. Pokud se ale \u010dasto vyd\u00e1v\u00e1te na pracovn\u00ed cesty do zahrani\u010d\u00ed autem nebo s kamionem t\u00fdden co t\u00fdden brouzd\u00e1te evropsk\u00e9 d\u00e1lnice, rozhodn\u011b nezapome\u0148te na roz\u0161\u00ed\u0159en\u00ed poji\u0161t\u011bn\u00ed na<strong> \u00fazem\u00ed Evropy, <\/strong>nebo p\u0159\u00edpadn\u011b i na<strong> cel\u00fd sv\u011bt<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Nep\u0159ehl\u00ed\u017eejte v\u00fd\u0161i spolu\u00fa\u010dasti. Ka\u017ed\u00e1 poji\u0161\u0165ovna po v\u00e1s <strong>spolu\u00fa\u010dast <\/strong>v ur\u010dit\u00e9 v\u00fd\u0161i bude po\u017eadovat, nej\u010dast\u011bji mezi <strong>10-30 %<\/strong> ze vznikl\u00e9 \u0161kody, minim\u00e1ln\u011b ve v\u00fd\u0161i 1 000 korun. Obecn\u011b plat\u00ed, \u017ee \u010d\u00edm vy\u0161\u0161\u00ed spolu\u00fa\u010dast si sjedn\u00e1te, t\u00edm ni\u017e\u0161\u00ed pojistn\u00e9 m\u016f\u017eete o\u010dek\u00e1vat.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co byste m\u011bli v\u011bd\u011bt, ne\u017e si poji\u0161t\u011bn\u00ed sjedn\u00e1te?&nbsp;<\/h2>\n\n\n\n<p>Na sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance byste nem\u011bli zanev\u0159\u00edt, i kdy\u017e je slu\u017eebn\u00ed vozidlo <strong>havarijn\u011b poji\u0161t\u011bn\u00e9<\/strong>. Zam\u011bstnavatelem sjednan\u00e9 <a href=\"https:\/\/www.rixo.cz\/havarijni-pojisteni\/\">havarijko<\/a> v\u00e1s sice ochr\u00e1n\u00ed od placen\u00ed zavin\u011bn\u00fdch \u0161kod na aut\u011b, neochr\u00e1n\u00ed v\u00e1s ale od placen\u00ed \u0161kod, kter\u00e9 \u0159\u00edzen\u00edm vozidla zam\u011bstnavateli zp\u016fsob\u00edte. U pln\u011bn\u00ed z havarijn\u00edho poji\u0161t\u011bn\u00ed v p\u0159\u00edpad\u011b zp\u016fsoben\u00ed \u0161kod na vozidle se nav\u00edc v\u017edy po\u017eaduje <strong>zaplacen\u00ed spolu\u00fa\u010dasti<\/strong>. Tu m\u016f\u017ee zam\u011bstnavatel uhradit \u201cze sv\u00e9ho\u201d, m\u016f\u017ee ji ale <strong>vym\u00e1hat i po v\u00e1s<\/strong>. S t\u00edm v\u00e1m op\u011bt pom\u016f\u017ee va\u0161e poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance.<\/p>\n\n\n\n<p>Nezapome\u0148te, \u017ee ka\u017ed\u00e9 poji\u0161t\u011bn\u00ed m\u00e1 sv\u00e9 v\u00fdluky, kter\u00e9 v\u017edy najdete v <strong>pojistn\u00fdch podm\u00ednk\u00e1ch<\/strong>. Poji\u0161\u0165ovna v\u00e1m nepom\u016f\u017ee, pokud \u0161kodu zp\u016fsob\u00edte <strong>\u00famysln\u011b<\/strong>, pod <strong>vlivem alkoholu<\/strong> nebo <strong>omamn\u00fdch a psychotropn\u00edch l\u00e1tek<\/strong>. V takov\u00e9m p\u0159\u00edpad\u011b v\u00e1s nav\u00edc neochr\u00e1n\u00ed ani z\u00e1kon\u00edk pr\u00e1ce a stanoven\u00fd limit 4,5 n\u00e1sobku pr\u016fm\u011brn\u00e9ho m\u011bs\u00ed\u010dn\u00edho v\u00fdd\u011blku. Zam\u011bstnavatel po v\u00e1s tedy bude moci vym\u00e1hat takovou n\u00e1hradu \u0161kody, kterou skute\u010dn\u011b zp\u016fsob\u00edte.&nbsp;<\/p>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed by v\u00e1m nepomohlo ani v p\u0159\u00edpad\u011b, \u017ee byste zp\u016fsobili \u0161kodu \u0159\u00edzen\u00edm vozidla mimo <strong>pln\u011bn\u00ed pracovn\u00edch \u00fakol\u016f<\/strong>. Jestli se s vysokozdvi\u017en\u00fdm voz\u00edkem po pracovn\u00ed dob\u011b proh\u00e1n\u00edte po skladu jen proto, abyste p\u0159ekonali koleg\u016fv rychlostn\u00ed rekord a p\u0159itom shod\u00edte cel\u00fd reg\u00e1l zbo\u017e\u00ed, s pojistn\u00fdm pln\u011bn\u00edm nepo\u010d\u00edtejte.&nbsp;<\/p>\n\n\n\n<p>Je\u0161t\u011b p\u0159edt\u00edm, ne\u017e se do sjedn\u00e1v\u00e1n\u00ed poji\u0161t\u011bn\u00ed pust\u00edte, si nechte srovnat nab\u00eddky n\u011bkolika poji\u0161\u0165oven. Ka\u017ed\u00e1 z nich v\u00e1m m\u016f\u017ee nab\u00eddnout jinou cenu, podm\u00ednky a rozsah pojistn\u00e9ho kryt\u00ed. S RIXO.cz to zvl\u00e1dnete jednodu\u0161e, rychle a online. Sta\u010d\u00ed jen zadat n\u011bkolik \u00fadaj\u016f t\u00fdkaj\u00edc\u00edch se va\u0161eho zam\u011bstn\u00e1n\u00ed a do minuty u\u017e si m\u016f\u017eete prohl\u00ed\u017eet ty nejlep\u0161\u00ed a nejv\u00fdhodn\u011bj\u0161\u00ed nab\u00eddky poji\u0161t\u011bn\u00ed.&nbsp;<\/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=\"350\" width=\"400\" frameborder=\"0\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/forms\/liability-insurance-form\/\"><\/iframe>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u0158\u00eddit \u010dty\u0159i a p\u016fl hodiny v kuse nen\u00ed jednoduch\u00e9. A \u010d\u00edm d\u00e9le sed\u00edte za volantem, t\u00edm v\u011bt\u0161\u00ed je pravd\u011bpodobnost, \u017ee v\u00e1s p\u0159i rutinn\u00ed \u010dinnosti va\u0161e schopnosti jednoho dne zklamou. Sta\u010d\u00ed jen chvilka nepozornosti a nehoda je na sv\u011bt\u011b. Jak\u00e9 m\u00e1te mo\u017enosti, kdy\u017e se chcete chr\u00e1nit p\u0159ed placen\u00edm \u0161kod, kter\u00e9 nedopat\u0159en\u00edm zp\u016fsob\u00edte jako \u0159idi\u010d z povol\u00e1n\u00ed? <\/p>\n","protected":false},"author":11,"featured_media":1795,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[48,7],"tags":[46],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1790"}],"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=1790"}],"version-history":[{"count":4,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1790\/revisions"}],"predecessor-version":[{"id":1804,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1790\/revisions\/1804"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1795"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1790"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1790"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1790"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}