{"id":2019,"date":"2024-01-30T10:33:14","date_gmt":"2024-01-30T09:33:14","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2019"},"modified":"2024-01-30T10:35:09","modified_gmt":"2024-01-30T09:35:09","slug":"jak-na-pojisteni-veci-v-aute","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/jak-na-pojisteni-veci-v-aute\/","title":{"rendered":"Jak na poji\u0161t\u011bn\u00ed v\u011bc\u00ed v aut\u011b?"},"content":{"rendered":"\n<p>Ur\u010dit\u011b v\u00edte, \u017ee auto nen\u00ed trezor, ale sem tam se nevyhnete tomu, \u017ee v aut\u011b budete n\u011bco p\u0159ev\u00e1\u017eet. Zavazadla nebo osobn\u00ed v\u011bci, kter\u00e9 nech\u00e1v\u00e1te uschovan\u00e9 ve sv\u00e9m vozidle, si m\u016f\u017eete pojistit. Poji\u0161t\u011bn\u00ed najdete nejen v nab\u00eddk\u00e1ch p\u0159ipoji\u0161t\u011bn\u00ed k vozidlu, ale t\u0159eba i ve sv\u00e9m poji\u0161t\u011bn\u00ed dom\u00e1cnosti. Ale pozor, poji\u0161t\u011bn\u00ed v\u011bc\u00ed v aut\u011b m\u00e1 specifick\u00e9 podm\u00ednky.&nbsp;<\/p>\n\n\n\n<p>Kdy\u017e si na va\u0161em aut\u011b \u201csmlsnou\u201d zlod\u011bji, m\u016f\u017ee v\u00e1s mrzet nejen rozbit\u00e9 okno a st\u0159epy na seda\u010dk\u00e1ch, ale i odcizen\u00ed batohu, kabelky nebo t\u0159eba drah\u00e9 sportovn\u00ed v\u00fdbavy. I kdy\u017e se pravd\u011bpodobn\u011b budete muset sm\u00ed\u0159it s t\u00edm, \u017ee sv\u00e9 v\u011bci u\u017e neuvid\u00edte, poji\u0161t\u011bn\u00ed v\u00e1m m\u016f\u017ee pomoci nahradit \u0161kodu. V tomto \u010dl\u00e1nku se dozv\u00edte v\u0161e, co o poji\u0161t\u011bn\u00ed v\u011bc\u00ed v aut\u011b mus\u00edte v\u011bd\u011bt, ne\u017e si ho sjedn\u00e1te.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co je poji\u0161t\u011bn\u00ed v\u011bc\u00ed v aut\u011b?<\/h2>\n\n\n\n<p><strong>Poji\u0161t\u011bn\u00ed v\u011bc\u00ed v aut\u011b<\/strong>, nab\u00edzen\u00e9 tak\u00e9 pod n\u00e1zvem <strong>poji\u0161t\u011bn\u00ed zavazadel, <\/strong>nab\u00edz\u00ed v n\u011bjak\u00e9 form\u011b tak\u0159ka ka\u017ed\u00e1 poji\u0161\u0165ovna. Sjednat poji\u0161t\u011bn\u00ed m\u016f\u017eete spole\u010dn\u011b s povinn\u00fdm ru\u010den\u00edm nebo havarijn\u00edm poji\u0161t\u011bn\u00edm, ale i v r\u00e1mci poji\u0161t\u011bn\u00ed dom\u00e1cnosti. Pozor, <strong>nejde o to sam\u00e9 poji\u0161t\u011bn\u00ed <\/strong>zavazadel, kter\u00e9 si sjedn\u00e1v\u00e1te k <strong>cestovn\u00edmu poji\u0161t\u011bn\u00ed<\/strong>. To kryje toti\u017e jen va\u0161e zavazadla v pr\u016fb\u011bhu cest do zahrani\u010d\u00ed a m\u00e1 proto tak\u00e9 jin\u00e9 podm\u00ednky.&nbsp;<\/p>\n\n\n\n<p>Obsahem poji\u0161t\u011bn\u00ed v\u011bc\u00ed v aut\u011b je <strong>kryt\u00ed \u0161kod na zavazadlech<\/strong> a <strong>jin\u00fdch hmotn\u00fdch v\u011bcech<\/strong> uschovan\u00fdch v aut\u011b. \u0160kody v\u00e1m p\u0159itom nemus\u00ed vzniknout jen v d\u016fsledku <strong>vloup\u00e1n\u00ed a kr\u00e1de\u017ee<\/strong>, ale tak\u00e9 <strong>dopravn\u00ed nehody<\/strong> nebo <strong>\u017eiveln\u00edch katastrof<\/strong>. I na zni\u010den\u00ed nebo po\u0161kozen\u00ed v\u011bc\u00ed po\u017e\u00e1rem, v\u00fdbuchem nebo t\u0159eba povodn\u00ed se poji\u0161t\u011bn\u00ed vztahuje. Poji\u0161t\u011bn\u00ed zavazadel v aut\u011b je mo\u017en\u00e9 sjednat v mnoha variant\u00e1ch s limitem <strong>5-100 tis\u00edc korun<\/strong>, v\u017edy se tak\u00e9 poji\u0161t\u011bn\u00ed sjedn\u00e1v\u00e1 se <strong>spolu\u00fa\u010dast\u00ed<\/strong>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pom\u016f\u017ee p\u0159i kr\u00e1de\u017ei v\u011bc\u00ed z auta havarijn\u00ed poji\u0161t\u011bn\u00ed?&nbsp;<\/h2>\n\n\n\n<p>M\u00e1te sjednan\u00e9 povinn\u00e9 ru\u010den\u00ed i pln\u00e9 havarijn\u00ed poji\u0161t\u011bn\u00ed, tak\u017ee se domn\u00edv\u00e1te, \u017ee v\u0161echna rizika m\u00e1te pokryt\u00e1? Nen\u00ed tomu tak. Mo\u017en\u00e1 si matn\u011b vzpom\u00edn\u00e1te, \u017ee v pojistn\u00e9 smlouv\u011b havarijn\u00edho poji\u0161t\u011bn\u00ed m\u00e1te poji\u0161t\u011bn\u00e9 riziko s n\u00e1zvem <strong>kr\u00e1de\u017e nebo odcizen\u00ed<\/strong>. Nem\u011bli byste se ale spol\u00e9hat na to, \u017ee v\u00e1m klasick\u00e9 havarijko pokryje i ukraden\u00e1 zavazadla.&nbsp;<\/p>\n\n\n\n<p>Riziko kr\u00e1de\u017ee je tradi\u010dn\u00ed sou\u010d\u00e1st\u00ed havarijn\u00edho poji\u0161t\u011bn\u00ed (spolu s riziky sr\u00e1\u017eky se zv\u011b\u0159\u00ed, hav\u00e1rie, \u017eiveln\u00edch katastrof a dal\u0161\u00edch). P\u0159\u00edpadn\u011b je u n\u011bkter\u00fdch poji\u0161\u0165oven mo\u017enost riziko odcizen\u00ed p\u0159ipojistit k samotn\u00e9mu povinn\u00e9mu ru\u010den\u00ed. Poji\u0161t\u011bn\u00ed se ov\u0161em vztahuje na <strong>vozidlo, jeho \u010d\u00e1st nebo obvyklou v\u00fdbavu<\/strong>. Do t\u00e9 pat\u0159\u00ed nap\u0159\u00edklad klimatizace nebo d\u0159\u00edve popul\u00e1rn\u00ed c\u00edl zlod\u011bj\u016f, tedy autor\u00e1dio. Bohu\u017eel, v\u011bci jako va\u0161e sportovn\u00ed n\u00e1\u010din\u00ed nebo batoh sem nepat\u0159\u00ed a <strong>bez<\/strong> <strong>poji\u0161t\u011bn\u00ed v\u011bc\u00ed v aut\u011b <\/strong>se od\u0161kodn\u011bn\u00ed za ukraden\u00e1 zavazadla<strong> nedo\u010dk\u00e1te.<\/strong>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak poji\u0161t\u011bn\u00ed v\u011bc\u00ed v aut\u011b funguje?<\/h2>\n\n\n\n<p>Hled\u00e1te poji\u0161t\u011bn\u00ed s rozumnou cenou i kryt\u00edm? P\u0159ed sjedn\u00e1n\u00edm poji\u0161t\u011bn\u00ed zavazadel v aut\u011b nehle\u010fte jen na cenu. Projd\u011bte si i<strong> pojistn\u00e9 podm\u00ednky<\/strong> v\u00e1mi vybran\u00e9 poji\u0161\u0165ovny. Nab\u00eddky poji\u0161\u0165oven se toti\u017e mohou li\u0161it <strong>rozsahem kryt\u00ed i v\u00fd\u010dtem v\u00fdluk<\/strong>. Z\u00e1kladn\u00ed pravidla jsou nap\u0159\u00ed\u010d poji\u0161\u0165ovnami velmi podobn\u00e1, ale nezapom\u00ednejte, \u017ee \u010f\u00e1bel se mnohdy skr\u00fdv\u00e1 v detailu.&nbsp;<\/p>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed zavazadel b\u011b\u017en\u011b zahrnuje <strong>osobn\u00ed v\u011bci, d\u011btsk\u00e9 autoseda\u010dky<\/strong> nebo <strong>sportovn\u00ed n\u00e1\u010din\u00ed<\/strong>. Aby v\u00e1m poji\u0161t\u011bn\u00ed ve v\u00fdsledku \u201ck n\u011b\u010demu bylo\u201d, mus\u00edte ov\u0161em v\u011bci v aut\u011b pat\u0159i\u010dn\u011b zajistit. Poji\u0161\u0165ovny vyplat\u00ed pln\u011bn\u00ed zpravidla jen v p\u0159\u00edpad\u011b, \u017ee jste je uschovali v <strong>uzam\u010den\u00fdch prostor\u00e1ch<\/strong> vozidla. Tedy nap\u0159\u00edklad v kufru \u010di st\u0159e\u0161n\u00edm boxu (lidov\u011b \u201crakve\u201d). K podm\u00ednk\u00e1m se tak\u00e9 v p\u0159\u00edpad\u011b kr\u00e1de\u017ee p\u0159id\u00e1v\u00e1 nutnost prok\u00e1z\u00e1n\u00ed <strong>n\u00e1siln\u00e9ho vniknut\u00ed <\/strong>a <strong>nahl\u00e1\u0161en\u00ed ud\u00e1losti na policii<\/strong>. Tu byste ostatn\u011b m\u011bli k takov\u00e9mu incidentu volat v\u017edy.&nbsp;<\/p>\n\n\n\n<p>V\u0161echny v\u011bci krom\u011b autoseda\u010dek byste tak\u00e9 v\u017edy m\u011bli v dob\u011b va\u0161\u00ed nep\u0159\u00edtomnosti skr\u00fdt tak, aby zven\u010d\u00ed <strong>nebyly vid\u011bt<\/strong>. Pokud byste sv\u00e1 zavazadla nechali jen tak le\u017eet na seda\u010dce, m\u016f\u017ee poji\u0161\u0165ovna <strong>pln\u011bn\u00ed kr\u00e1tit<\/strong> nebo <strong>\u00fapln\u011b odm\u00edtnout<\/strong>. T\u00edm v\u00e1m poji\u0161\u0165ovny vys\u00edlaj\u00ed dal\u0161\u00ed sign\u00e1l, \u017ee ze sv\u00e9ho auta byste nem\u011bli d\u011blat \u201csklad\u201d.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Na co u poji\u0161t\u011bn\u00ed zavazadel d\u00e1vat pozor?&nbsp;<\/h2>\n\n\n\n<p>U\u017e si jdete sjedn\u00e1vat poji\u0161t\u011bn\u00ed na va\u0161e v\u011bci v aut\u011b? Ne tak rychle. U n\u011bkter\u00fdch poji\u0161\u0165oven by v\u00e1s toti\u017e mohly zasko\u010dit r\u016fzn\u00e9 podm\u00ednky, ze kter\u00fdch byste p\u0159i \u0159e\u0161en\u00ed pojistn\u00e9 ud\u00e1losti mohli b\u00fdt nep\u0159\u00edjemn\u011b p\u0159ekvapeni. Mrkn\u011bte, jak\u00e1 omezen\u00ed sledovat.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/themes\/breek\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/01\/close-up-man-trying-break-into-car-2-1.jpg\" alt=\"Poji\u0161t\u011bn\u00ed v\u011bc\u00ed v aut\u011b\" class=\"wp-image-2023\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/01\/close-up-man-trying-break-into-car-2-1.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/01\/close-up-man-trying-break-into-car-2-1-300x200.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/01\/close-up-man-trying-break-into-car-2-1-768x512.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/01\/close-up-man-trying-break-into-car-2-1-100x67.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/01\/close-up-man-trying-break-into-car-2-1-675x450.jpg 675w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Co rad\u011bji v aut\u011b nenech\u00e1vat?&nbsp;<\/h3>\n\n\n\n<p>Pro poji\u0161\u0165ovnu m\u00e1 v\u00fdznam, co p\u0159esn\u011b v\u00e1m z auta zmizelo. \u010ct\u011bte pozorn\u011b, co v\u00e1m poji\u0161\u0165ovna neproplat\u00ed. A to i kdy\u017e v\u011bci dob\u0159e uschov\u00e1te v zam\u010den\u00e9m aut\u011b. Nej\u010dast\u011bj\u0161\u00ed v\u00fdluky poji\u0161\u0165oven se vztahuj\u00ed na:&nbsp;<\/p>\n\n\n\n<ul>\n<li>Cennosti jako nap\u0159. pen\u00edze, platebn\u00ed karty, \u0161perky, um\u011bleck\u00e1 d\u00edla a historick\u00e9 p\u0159edm\u011bty<\/li>\n\n\n\n<li>Doklady, p\u00edsemn\u00e9 dokumenty a z\u00e1znamy na r\u016fzn\u00fdch nosi\u010d\u00edch<\/li>\n\n\n\n<li>V\u011bci sv\u011b\u0159en\u00e9 zam\u011bstnavatelem (od toho je tu <a href=\"https:\/\/www.rixo.cz\/pojisteni-odpovednosti-zamestnance\/\">poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance<\/a>)<\/li>\n\n\n\n<li>Mobiln\u00ed telefony, notebooky a jinou p\u0159enosnou elektroniku<\/li>\n\n\n\n<li>Zbo\u017e\u00ed ur\u010den\u00e9 k prodeji jako nap\u0159. rozv\u00e1\u017een\u00e9 z\u00e1silky z e-shop\u016f<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">V jak\u00fdch situac\u00edch se na poji\u0161t\u011bn\u00ed m\u016f\u017eete spolehnout?&nbsp;<\/h3>\n\n\n\n<p>Pozor na ustanoven\u00ed, kter\u00e9 by <strong>vylu\u010dovalo kryt\u00ed v dob\u00e1ch<\/strong>, kdy s autem <strong>nikam nejedete<\/strong>. Nap\u0159\u00edklad toto: \u201cPojistn\u00e9 kryt\u00ed se vztahuje pouze na dobu, kdy jsou v\u011bci vozidlem dopravov\u00e1ny, tj. b\u011bhem trv\u00e1n\u00ed cesty od v\u00fdjezdu z obvykl\u00e9ho stanovi\u0161t\u011b vozidla do jeho n\u00e1vratu.\u201d Kdy\u017e hled\u00e1te poji\u0161t\u011bn\u00ed na ochranu specificky proti kr\u00e1de\u017ei vloup\u00e1n\u00edm, nebude takov\u00e1 pojistka plnit sv\u016fj \u00fa\u010del. Na\u0161t\u011bst\u00ed <strong>v\u011bt\u0161ina poji\u0161\u0165oven<\/strong> tuto <strong>podm\u00ednku nem\u00e1<\/strong>.<\/p>\n\n\n\n<p>Zr\u00e1dn\u00e1 m\u016f\u017ee b\u00fdt i v\u00fdluka, kter\u00e1 ur\u010duje <strong>denn\u00ed doby<\/strong>, ve kter\u00fdch nadnesen\u011b \u0159e\u010deno \u201cnesm\u00ed b\u00fdt zavazadlo ukradeno\u201d. N\u011bkter\u00e9 poji\u0161\u0165ovny toti\u017e <strong>neuznaj\u00ed pojistnou ud\u00e1lost<\/strong>, pokud v\u00e1m v\u011bci z auta zmizely v noci na nehl\u00eddan\u00e9m parkovi\u0161ti. Nej\u010dast\u011bji se jedn\u00e1 o dobu mezi <strong>22:00 a\u017e 6:00<\/strong>, n\u011bkdy a\u017e 8:00. <strong>No\u010dn\u00ed kr\u00e1de\u017ee<\/strong> jsou zkr\u00e1tka moc \u010dast\u00e9 na to, aby v\u00e1m poji\u0161\u0165ovna n\u011bco vyplatila. Stejn\u011b jako v\u00fd\u0161e je zde ale d\u016fle\u017eit\u00e1 pozn\u00e1mka, \u017ee ne ka\u017ed\u00e1 poji\u0161\u0165ovna takov\u00e9 omezen\u00ed v podm\u00ednk\u00e1ch m\u00e1. Rozhodn\u011b se ale vyplat\u00ed nenech\u00e1vat sv\u00e9 v\u011bci v aut\u011b del\u0161\u00ed dobu. Nepokou\u0161ejte \u0161t\u011bst\u00ed a zbyte\u010dn\u011b zlod\u011bje ke sv\u00e9mu vozidlu nel\u00e1kejte.&nbsp;<\/p>\n\n\n\n<p>Chcete se spolehnout na kvalitn\u00ed a z\u00e1rove\u0148 v\u00fdhodn\u00e9 poji\u0161t\u011bn\u00ed ve dne i v noci? Srovnejte si povinn\u00e9 ru\u010den\u00ed, havarijn\u00ed poji\u0161t\u011bn\u00ed nebo <a href=\"https:\/\/www.rixo.cz\/pojisteni-domacnosti\/\">poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/a> na RIXO.cz a my v\u00e1m najdeme ty nejlep\u0161\u00ed nab\u00eddky.&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=\"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>Ur\u010dit\u011b v\u00edte, \u017ee auto nen\u00ed trezor, ale sem tam se nevyhnete tomu, \u017ee v aut\u011b budete n\u011bco p\u0159ev\u00e1\u017eet. Zavazadla nebo osobn\u00ed v\u011bci, kter\u00e9 nech\u00e1v\u00e1te uschovan\u00e9 ve sv\u00e9m vozidle, si m\u016f\u017eete pojistit. Ale pozor, poji\u0161t\u011bn\u00ed v\u011bc\u00ed v aut\u011b m\u00e1 specifick\u00e9 podm\u00ednky.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":2021,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[9,7,6],"tags":[17,51],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2019"}],"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=2019"}],"version-history":[{"count":7,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2019\/revisions"}],"predecessor-version":[{"id":2054,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2019\/revisions\/2054"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/2021"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2019"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2019"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2019"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}