{"id":1799,"date":"2023-11-28T13:47:00","date_gmt":"2023-11-28T12:47:00","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1799"},"modified":"2025-01-08T14:23:01","modified_gmt":"2025-01-08T13:23:01","slug":"havarijni-pojisteni-nejen-v-zime","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/havarijni-pojisteni-nejen-v-zime\/","title":{"rendered":"Havarijn\u00ed poji\u0161t\u011bn\u00ed ocen\u00edte (nejen) v zim\u011b. Pro\u010d si ho sjednat?"},"content":{"rendered":"\n

Zima se bl\u00ed\u017e\u00ed a s n\u00ed p\u0159ich\u00e1z\u00ed i zv\u00fd\u0161en\u00e9 riziko nehod. Kr\u00e1tk\u00e9 dny, de\u0161tiv\u00e9 po\u010das\u00ed a namrzl\u00e9 silnice toti\u017e bezpe\u010dnosti p\u0159i \u0159\u00edzen\u00ed rozhodn\u011b nepom\u00e1haj\u00ed. I kdy\u017e jste uk\u00e1zkov\u00fd \u0159idi\u010d, nemus\u00ed v\u00e1s va\u0161e schopnosti na sn\u011bhu a ledu v\u017edy zachr\u00e1nit. Oprava auta po boura\u010dce se nav\u00edc m\u016f\u017ee p\u011bkn\u011b prodra\u017eit. Na sv\u00e9 havarijn\u00ed poji\u0161t\u011bn\u00ed se ale m\u016f\u017eete v\u017edy spolehnout.<\/p>\n\n\n\n

V zim\u011b byste m\u011bli sv\u00e9mu plechov\u00e9mu mil\u00e1\u010dkovi v\u011bnovat o n\u011bco v\u00edce pozornosti ne\u017e v jin\u00fdch ro\u010dn\u00edch obdob\u00edch. Samoz\u0159ejmost\u00ed je p\u0159ezut\u00ed pneumatik<\/a> nebo t\u0159eba v\u00fdm\u011bna letn\u00ed sm\u011bsi v ost\u0159ikova\u010d\u00edch a chladi\u010di za zimn\u00ed. Pokud ale m\u00e1te nov\u00e9 nebo hodnotn\u011bj\u0161\u00ed vozidlo, dobrou investic\u00ed pro v\u00e1s bude tak\u00e9 havarijn\u00ed poji\u0161t\u011bn\u00ed. Po\u010det nehod<\/strong> se toti\u017e v zim\u011b v\u00fdrazn\u011b zvy\u0161uje \u2013 Hasi\u010dsk\u00fd z\u00e1chrann\u00fd sbor \u010cR uv\u00e1d\u00ed, \u017ee riziko vzr\u016fst\u00e1 a\u017e patn\u00e1ctkr\u00e1t<\/strong>! <\/p>\n\n\n\n

Pozor na kam\u00ednky<\/h2>\n\n\n\n

Proti zledovat\u011bn\u00ed sn\u011bhov\u00e9 nad\u00edlky se nej\u010dast\u011bji pou\u017e\u00edv\u00e1 sm\u011bs soli se \u0161t\u011brkem. \u0160t\u011brkov\u00fd posyp sice pom\u00e1h\u00e1 zamezit klouz\u00e1n\u00ed va\u0161ich kol po vozovce, z\u00e1rove\u0148 se ale kam\u00ednek m\u016f\u017ee st\u00e1t nebezpe\u010dn\u00fdm projektilem, kter\u00fd si to nam\u00ed\u0159\u00ed p\u0159\u00edmo do va\u0161eho \u010deln\u00edho skla<\/strong>. Nejde p\u0159itom o vinu \u0159idi\u010de auta p\u0159ed v\u00e1mi. N\u00e1pravu p\u0159\u00edpadn\u00fdch \u0161kod budete muset uhradit z vlastn\u00ed kapsy \u2013 pokud tedy sklo nem\u00e1te poji\u0161t\u011bn\u00e9 v r\u00e1mci havarijn\u00edho poji\u0161t\u011bn\u00ed<\/a><\/strong> nebo jste si nesjednali p\u0159ipoji\u0161t\u011bn\u00ed skel<\/a><\/strong> k povinn\u00e9mu ru\u010den\u00ed.\u00a0<\/p>\n\n\n\n

Oprava \u010deln\u00edho skla po z\u00e1sahu kam\u00ednkem m\u016f\u017ee spo\u010d\u00edvat jen ve scelen\u00ed skla<\/strong>, n\u011bkdy je v\u0161ak nutn\u00e1 rovnou jeho v\u00fdm\u011bna<\/strong>. Za tu d\u00e1te nej\u010dast\u011bji kolem 5-10 tis\u00edc korun u skel bez senzor\u016f. U dra\u017e\u0161\u00edch model\u016f aut se cena vy\u0161plh\u00e1 snadno i p\u0159es 15 tis\u00edc korun, pokud m\u00e1 sklo vyh\u0159\u00edv\u00e1n\u00ed, senzory, nebo slou\u017e\u00ed i jako \u010d\u00e1st panoramatick\u00e9 st\u0159echy. N\u011bkter\u00e9 poji\u0161\u0165ovny v posledn\u00edch letech nab\u00edz\u00ed i poji\u0161t\u011bn\u00ed skel bez limitu<\/strong>. Zaplat\u00ed tedy za nutnou opravu p\u0159esn\u011b tolik, na kolik v\u00e1s v\u00fdm\u011bna v servisu vyjde. Na v\u00e1s u\u017e bude jen zaplacen\u00ed spolu\u00fa\u010dasti<\/strong>, zpravidla ve v\u00fd\u0161i 500-1 000 korun.<\/p>\n\n\n\n

Nebezpe\u010d\u00ed st\u0159etu se zv\u011b\u0159\u00ed<\/h2>\n\n\n\n

Obdob\u00ed podzimu a zimy je obzvl\u00e1\u0161t\u011b nebezpe\u010dn\u00e9 p\u0159i proj\u00ed\u017e\u010fk\u00e1ch kolem les\u016f a pol\u00ed<\/strong>. P\u0159\u00ed\u010dinou mnoha dopravn\u00edch nehod b\u00fdvaj\u00ed v t\u011bchto oblastech sr\u00e1\u017eky se zv\u011b\u0159\u00ed, a to p\u0159edev\u0161\u00edm se srnkami. I zku\u0161en\u00ed a opatrn\u00ed \u0159idi\u010di ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f nedok\u00e1\u017e\u00ed sr\u00e1\u017ece p\u0159edej\u00edt. Nejen\u017ee v\u00e1m \u010dasto komplikuje viditelnost \u0161ero a mlha<\/strong>, ale man\u00e9vrov\u00e1n\u00ed v\u00e1m m\u016f\u017ee zt\u00ed\u017eit i ne\u010dekan\u011b rychl\u00fd pohyb zv\u011b\u0159e<\/strong>. V\u011bt\u0161inou na\u0161t\u011bst\u00ed nen\u00ed sr\u00e1\u017eka se zv\u011b\u0159\u00ed<\/a> nebezpe\u010dn\u00e1 pro va\u0161e zdrav\u00ed, nap\u00e1ch\u00e1 ale pom\u011brn\u011b velk\u00e9 \u0161kody <\/strong>na va\u0161em aut\u011b.<\/p>\n\n\n\n

Pokud se chcete pro tento p\u0159\u00edpad chr\u00e1nit pomoc\u00ed poji\u0161t\u011bn\u00ed, m\u016f\u017eete zvolit klasick\u00e9 havarijn\u00ed poji\u0161t\u011bn\u00ed<\/strong> nebo p\u0159ipoji\u0161t\u011bn\u00ed st\u0159etu se zv\u011b\u0159\u00ed <\/strong>k povinn\u00e9mu ru\u010den\u00ed. Poji\u0161t\u011bn\u00ed st\u0159etu se zv\u011b\u0159\u00ed si m\u016f\u017eete sjednat s pojistn\u00fdm limitem a\u017e kolem 100 000 korun. <\/p>\n\n\n\n

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Spo\u010d\u00edtejte si ceny povinn\u00e9ho ru\u010den\u00ed a havarijn\u00edho poji\u0161t\u011bn\u00ed a najd\u011bte tu nejv\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku. Sta\u010d\u00ed jen kliknout, vyplnit SPZ a p\u00e1r informac\u00ed o v\u00e1s!<\/p>\n<\/div>\n\n\n\n

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Srovnat poji\u0161t\u011bn\u00ed vozidel<\/a><\/div>\n<\/div>\n\n\n\n
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St\u0159et se zv\u011b\u0159\u00ed se v\u017edy posuzuje jako nezavin\u011bn\u00e1 nehoda<\/strong>, nemus\u00edte se tedy b\u00e1t, \u017ee dostanete malus a zdra\u017e\u00ed se v\u00e1m v p\u0159\u00ed\u0161t\u00edm pojistn\u00e9m obdob\u00ed va\u0161e povinn\u00e9 ru\u010den\u00ed. Nezapome\u0148te tak\u00e9 na to, \u017ee ke sr\u00e1\u017ece zv\u011b\u0159e mus\u00edte za ka\u017ed\u00fdch okolnost\u00ed zavolat policii<\/strong>. Nikdy byste tak\u00e9 nem\u011bli na zv\u011b\u0159 sahat <\/strong>a u\u017e v\u016fbec ne mrtv\u00fd kus odv\u00e1\u017eet<\/strong>. <\/p>\n\n\n\n

Zr\u00e1dn\u00e9 \u017eivly<\/h2>\n\n\n\n

Tuh\u00e9 mrazy a b\u00edl\u00e9 V\u00e1noce u\u017e v posledn\u00edch letech nejsou tak \u010dast\u00fdm fenom\u00e9nem, p\u0159ece jen ale m\u016f\u017ee nenad\u00e1l\u00e1 chumelenice motoristy i silni\u010d\u00e1\u0159e v\u017edy p\u0159ekvapit. A va\u0161e auto se m\u016f\u017ee snadno st\u00e1t ob\u011bt\u00ed \u017eiveln\u00edch katastrof. M\u016f\u017ee j\u00edt o silnou v\u00e1nici<\/strong>, p\u00e1d stromu<\/strong> nebo sto\u017e\u00e1ru kv\u016fli sn\u011bhov\u00e9 kalamit\u011b nebo n\u00e1slednou povode\u0148 vlivem oblevy<\/strong>. N\u00e1sledky v\u00e1s mohou p\u0159ij\u00edt draho. Pokud m\u00e1te havarijn\u00ed poji\u0161t\u011bn\u00ed<\/strong>, m\u016f\u017eete si oddechnout, jestli jste si ho ale je\u0161t\u011b nesjednali, zva\u017ete alespo\u0148 p\u0159ipoji\u0161t\u011bn\u00ed proti \u017eiveln\u00edm pohrom\u00e1m<\/strong> k povinn\u00e9mu ru\u010den\u00ed. <\/p>\n\n\n\n

Ani s komplexn\u00edm poji\u0161t\u011bn\u00edm vozidla ale nezapom\u00ednejte na preventivn\u00ed opat\u0159en\u00ed. Pokud vid\u00edte, \u017ee se bl\u00ed\u017e\u00ed vich\u0159ice, neparkujte auto pod stromy<\/strong>. Nenech\u00e1vejte tak\u00e9 auto dlouhodob\u011b st\u00e1t ve sn\u011bhov\u00fdch z\u00e1v\u011bj\u00edch. Na ja\u0159e byste toti\u017e mohli zjistit, \u017ee cel\u00fd podvozek auta zreznul<\/strong>, nav\u00edc v\u00e1m p\u0159i vytrval\u00e9m vystaven\u00ed vozidla vlhkosti nemus\u00ed stoprocentn\u011b pomoci ani d\u0159\u00edve nanesen\u00e1 antikorozn\u00ed ochrana. Spol\u00e9hat se pak nem\u016f\u017eete ani na svou poji\u0161\u0165ovnu. Ta toti\u017e v\u017edy pro \u00fa\u010del v\u00fdplaty pojistn\u00e9ho pln\u011bn\u00ed vy\u017eaduje, aby \u0161lo o n\u00e1hlou a nahodilou ud\u00e1lost<\/strong>. <\/p>\n\n\n\n

Do hor jen s dobrou v\u00fdbavou<\/h2>\n\n\n\n

Pokud pat\u0159\u00edte k milovn\u00edk\u016fm zimn\u00edch sport\u016f, pravd\u011bpodobn\u011b v\u00e1s stejn\u011b jako statis\u00edce \u010cech\u016f \u010dek\u00e1 v\u00fdlet autem na hory. Z\u00e1kon v\u00e1m ukl\u00e1d\u00e1 povinnost m\u00edt v ozna\u010den\u00fdch (p\u0159edev\u0161\u00edm horsk\u00fdch) oblastech v\u017edy obut\u00e9 zimn\u00ed pneumatiky, nav\u00edc si ale pov\u011btrnostn\u00ed podm\u00ednky mohou vy\u017e\u00e1dat i nasazen\u00ed sn\u011bhov\u00fdch \u0159et\u011bz\u016f<\/a><\/strong>. Pokud vyr\u00e1\u017e\u00edte na hory do zahrani\u010d\u00ed, nezapome\u0148te se tak\u00e9 sezn\u00e1mit s m\u00edstn\u00edmi podm\u00ednkami \u2013 nap\u0159\u00edklad v Rakousku nebo v It\u00e1lii m\u016f\u017eete za chyb\u011bj\u00edc\u00ed \u0159et\u011bzy ve v\u00fdbav\u011b dostat vysokou pokutu.\u00a0<\/p>\n\n\n\n

V horsk\u00fdch serpent\u00fdn\u00e1ch ov\u0161em m\u016f\u017eete nabourat i s nasazen\u00fdmi \u0159et\u011bzy. Je proto proz\u00edrav\u00e9 m\u00edt pro tento p\u0159\u00edpad alespo\u0148 sez\u00f3nn\u00ed havarijn\u00ed poji\u0161t\u011bn\u00ed. <\/strong>L\u00e1kat v\u00e1s m\u016f\u017ee sjedn\u00e1n\u00ed p\u0159ipoji\u0161t\u011bn\u00ed hav\u00e1rie k povinn\u00e9mu ru\u010den\u00ed<\/strong>, nicm\u00e9n\u011b poji\u0161\u0165ovny v r\u00e1mci tohoto p\u0159ipoji\u0161t\u011bn\u00ed nab\u00edzej\u00ed pom\u011brn\u011b mal\u00e9 limity ve v\u00fd\u0161i 10-20 000 korun, a nav\u00edc v\u00e1m vyplat\u00ed pln\u011bn\u00ed jen v p\u0159\u00edpad\u011b, \u017ee sou\u010dasn\u011b zp\u016fsob\u00edte \u0161kodu na majetku nebo zdrav\u00ed jin\u00e9ho \u010dlov\u011bka. <\/p>\n\n\n\n

Co kdy\u017e v\u016fbec nenastartujete? <\/h2>\n\n\n\n

Mraziv\u00e9 po\u010das\u00ed v\u00e1m mo\u017en\u00e1 nesv\u011bd\u010d\u00ed, je\u0161t\u011b h\u016f\u0159 ale m\u016f\u017ee teploty hluboko pod nulou sn\u00e1\u0161et va\u0161e autobaterie<\/a><\/strong>. Jednoho kr\u00e1sn\u00e9ho zimn\u00edho dne zkr\u00e1tka nemus\u00edte nastartovat, a\u0165 u\u017e jste majitelem elektromobilu nebo klasick\u00e9ho vozidla se spalovac\u00edm motorem. Akumul\u00e1tor se v teplot\u00e1ch pod -20 \u00b0C<\/strong> zpravidla rychleji opot\u0159ebov\u00e1v\u00e1 a vyb\u00edj\u00ed<\/strong>. Pokud u\u017e maj\u00ed \u010dl\u00e1nky n\u011bco za sebou, m\u016f\u017ee je mr\u00e1z \u00fapln\u011b \u201cdod\u011blat\u201d. A v\u00fdsledek? S autem u\u017e nevyjedete.\u00a0\u00a0<\/p>\n\n\n\n

M\u00e1te elektromobil? mo\u017en\u00e1 u\u017e automaticky po\u010d\u00edt\u00e1te s t\u00edm, \u017ee v\u00e1m v zim\u011b automaticky klesne v\u00fddr\u017e baterie<\/strong> i maxim\u00e1ln\u00ed dojezd <\/strong>na jedno nabit\u00ed klidn\u011b o 40 procent<\/strong>. P\u0159esto se ale m\u016f\u017eete ocitnout v situaci, kdy budete v polovin\u011b sv\u00e9 trasy nehybn\u011b st\u00e1t na k\u0159i\u017eovatce nebo na d\u00e1lnici, proto\u017ee \u201cd\u00e1l u\u017e to nejede\u201d. Baterii byste proto m\u011bli v\u017edy pln\u011b nab\u00edjet<\/strong> a pokud m\u00e1te tu mo\u017enost, parkujte elektromobil v gar\u00e1\u017ei<\/strong>. <\/p>\n\n\n\n

Kdy\u017e u\u017e se s va\u0161\u00ed baterkou doma nebo na silnici n\u011bco stane, pom\u016f\u017ee v\u00e1m zpravidla roz\u0161\u00ed\u0159en\u00e1 asistence k havarijn\u00edmu poji\u0161t\u011bn\u00ed<\/a><\/strong> a poji\u0161\u0165ovna v\u00e1m zajist\u00ed i n\u00e1hradn\u00ed vozidlo, kter\u00e9 m\u016f\u017eete po dobu nepoj\u00edzdnosti vozidla vyu\u017e\u00edvat, jak je libo. Vyplat\u00ed se v\u00e1m sjedn\u00e1n\u00ed komplexn\u00edho havarijka, nebo jen n\u011bkter\u00fdch p\u0159ipoji\u0161t\u011bn\u00ed k povinn\u00e9mu ru\u010den\u00ed? Srovnejte si nab\u00eddky cel\u00e9 \u0159ady poji\u0161\u0165oven v\u010detn\u011b ceny a pojistn\u00fdch limit\u016f<\/strong> na RIXO.cz. Sta\u010d\u00ed jen vyplnit p\u00e1r \u00fadaj\u016f do kr\u00e1tk\u00e9ho dotazn\u00edku a za 2 minutky m\u00e1te hotovo! <\/p>\n\n\n\n

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