{"id":2075,"date":"2024-02-14T10:31:25","date_gmt":"2024-02-14T09:31:25","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2075"},"modified":"2024-02-14T10:31:26","modified_gmt":"2024-02-14T09:31:26","slug":"nejlevnejsi-povinne-ruceni-pro-auta-s-malym-najezdem","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/nejlevnejsi-povinne-ruceni-pro-auta-s-malym-najezdem\/","title":{"rendered":"Nejlevn\u011bj\u0161\u00ed povinn\u00e9 ru\u010den\u00ed pro auta s mal\u00fdm n\u00e1jezdem"},"content":{"rendered":"\n

\u0158ad\u00edte se mezi sv\u00e1te\u010dn\u00ed \u0159idi\u010de nebo v\u011bt\u0161inu cest zvl\u00e1dnete se slu\u017eebn\u00edm autem a va\u0161e vlastn\u00ed vozidlo v\u011bt\u0161inu \u010dasu stoj\u00ed v gar\u00e1\u017ei? Nemus\u00edte za sv\u00e9 povinn\u00e9 ru\u010den\u00ed platit stejnou \u010d\u00e1stku jako \u0159idi\u010di, kte\u0159\u00ed se sv\u00fdm autem br\u00e1zd\u00ed d\u00e1lnice ka\u017ed\u00fd den. Najd\u011bte to nejlevn\u011bj\u0161\u00ed povinn\u00e9 ru\u010den\u00ed. Jak? Porad\u00edme. <\/p>\n\n\n\n

Cenu povinn\u00e9ho ru\u010den\u00ed ovliv\u0148uje cel\u00e1 \u0159ada faktor\u016f. Poji\u0161\u0165ovny p\u0159i ur\u010dov\u00e1n\u00ed pojistn\u00e9ho berou v potaz vlastnosti va\u0161eho vozidla<\/strong>, a to p\u0159edev\u0161\u00edm druh vozidla, zdvihov\u00fd objem a v\u00fdkon motoru i st\u00e1\u0159\u00ed vozidla. Z\u00e1rove\u0148 se tak\u00e9 cena povinn\u00e9ho ru\u010den\u00ed<\/a> u v\u0161ech poji\u0161\u0165oven odv\u00edj\u00ed od v\u011bku, bydli\u0161t\u011b a d\u0159\u00edv\u011bj\u0161\u00edho (beze)\u0161kodn\u00edho pr\u016fb\u011bhu poji\u0161t\u011bn\u00ed pojistn\u00edka, <\/strong>tedy va\u0161ich bonus\u016f a malus\u016f. U n\u011bkolika poji\u0161\u0165oven ov\u0161em do ceny m\u016f\u017ee nav\u00edc v\u00fdrazn\u011b zas\u00e1hnout i ro\u010dn\u00ed n\u00e1jezd kilometr\u016f<\/strong>. A pr\u00e1v\u011b na n\u011b se nyn\u00ed zam\u011b\u0159\u00edme. <\/p>\n\n\n\n

Jak naj\u00edt to nejlevn\u011bj\u0161\u00ed povinn\u00e9 ru\u010den\u00ed pro auto s mal\u00fdm n\u00e1jezdem? <\/h2>\n\n\n\n

Naj\u00edt levn\u00e9 povinn\u00e9 ru\u010den\u00ed, kter\u00e9 odr\u00e1\u017e\u00ed frekvenci a d\u00e9lku va\u0161ich j\u00edzd, nen\u00ed nic t\u011b\u017ek\u00e9ho. Sta\u010d\u00ed jen v\u011bd\u011bt, kter\u00e9 poji\u0161\u0165ovny takov\u00e9 poji\u0161t\u011bn\u00ed nab\u00edz\u00ed. S mal\u00fdm n\u00e1jezdem do cca 12 000 km ro\u010dn\u011b je mo\u017en\u00e9 u\u0161et\u0159it u poji\u0161\u0165oven Allianz, Pillow \u010di UNIQA. <\/p>\n\n\n\n

Pojistn\u00e9 produkty pro vozidla s mal\u00fdm n\u00e1jezdem po\u010d\u00edtaj\u00ed s t\u00edm, \u017ee men\u0161\u00ed ro\u010dn\u00ed n\u00e1jezd znamen\u00e1 men\u0161\u00ed riziko zp\u016fsoben\u00ed nehody. A to je pozitivn\u00ed zpr\u00e1va pro \u0159idi\u010de i poji\u0161\u0165ovnu. Pod\u00edvejme se, jak v\u00fdhodn\u00e9 poji\u0161t\u011bn\u00ed funguje u jednotliv\u00fdch poji\u0161\u0165oven. Povinn\u00e9 ru\u010den\u00ed od zm\u00edn\u011bn\u00fdch poji\u0161\u0165oven m\u00e1 podobn\u00fd princip, nen\u00ed ale \u00fapln\u011b toto\u017en\u00e9. <\/p>\n\n\n\n

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Hled\u00e1te to nejlevn\u011bj\u0161\u00ed povinn\u00e9 ru\u010den\u00ed? Srovnejte si nab\u00eddky na RIXO.cz. Doporu\u010d\u00edme v\u00e1m optim\u00e1ln\u00ed nastaven\u00ed limit\u016f poji\u0161t\u011bn\u00ed a najdeme tu nejlep\u0161\u00ed cenu pr\u00e1v\u011b pro v\u00e1s. Zkuste to!<\/em><\/p>\n<\/div>\n\n\n\n

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Srovnat povinn\u00e9 ru\u010den\u00ed<\/a><\/div>\n<\/div>\n\n\n\n
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Povinn\u00e9 ru\u010den\u00ed Allianz<\/h3>\n\n\n\n

S dob\u0159e zn\u00e1m\u00fdm programem \u201cJezd\u00edm m\u00e1lo, plat\u00edm m\u00e1lo\u201d poji\u0161\u0165ovny Allianz budou m\u00edt nejv\u00fdhodn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed ti, kte\u0159\u00ed za rok najedou m\u00e9n\u011b ne\u017e 10 000 kilometr\u016f<\/strong>. Pro uplatn\u011bn\u00ed nejni\u017e\u0161\u00ed ceny budete po sjedn\u00e1n\u00ed smlouvy a d\u00e1le pot\u00e9 ka\u017ed\u00fd rok dokl\u00e1dat poji\u0161\u0165ovn\u011b fotografii tachometru<\/strong>. <\/p>\n\n\n\n

Poji\u0161\u0165ovna Allianz si od v\u00e1s vy\u017e\u00e1d\u00e1 dolo\u017een\u00ed stavu tachometru zhruba 3 m\u011bs\u00edce p\u0159ed koncem<\/strong> pojistn\u00e9ho obdob\u00ed a z n\u011bj dopo\u010d\u00edt\u00e1 n\u00e1jezd <\/strong>za cel\u00fd rok. Na z\u00e1klad\u011b dopo\u010d\u00edtan\u00e9ho ro\u010dn\u00edho n\u00e1jezdu pot\u00e9 poji\u0161\u0165ovna uprav\u00ed pojistn\u00e9 na dal\u0161\u00ed obdob\u00ed. Pokud bude n\u00e1jezd vy\u0161\u0161\u00ed, ne\u017e ten, kter\u00fd jste poji\u0161\u0165ovn\u011b nahl\u00e1sili p\u0159i sjedn\u00e1n\u00ed, zbytek doplat\u00edte. Pokud naopak  najezd\u00edte m\u00e9n\u011b, \u010d\u00e1st pojistn\u00e9ho v\u00e1m poji\u0161\u0165ovna vr\u00e1t\u00ed.<\/p>\n\n\n\n

Dopis \u010di e-mail od poji\u0161\u0165ovny s \u00fapravou ceny na dal\u0161\u00ed obdob\u00ed obdr\u017e\u00edte zhruba 2 m\u011bs\u00edce p\u0159ed v\u00fdro\u010d\u00edm poji\u0161t\u011bn\u00ed<\/strong>. Pokud budete cht\u00edt poji\u0161\u0165ovnu zm\u011bnit, budete m\u00edt na prozkoum\u00e1v\u00e1n\u00ed nab\u00eddek spoustu \u010dasu.  <\/p>\n\n\n\n

Povinn\u00e9 ru\u010den\u00ed Pillow<\/h3>\n\n\n\n

Poji\u0161\u0165ovna Pillow nab\u00edz\u00ed pro p\u0159\u00edle\u017eitostn\u00e9 \u0159idi\u010de v\u00fdhodn\u00e9 povinn\u00e9 ru\u010den\u00ed, kter\u00e9 funguje podobn\u011b jako u poji\u0161\u0165ovny Allianz. Hod\u00ed se pro vozidla s ro\u010dn\u00edm n\u00e1jezdem zhruba do 12 000 kilometr\u016f<\/strong>. Stav tachometru takt\u00e9\u017e poji\u0161\u0165ovn\u011b za\u0161lete po sjedn\u00e1n\u00ed smlouvy a pot\u00e9 ka\u017ed\u00fd rok ke konci pojistn\u00e9ho obdob\u00ed. <\/p>\n\n\n\n

Od poji\u0161\u0165ovny Allianz se Pillow li\u0161\u00ed p\u0159edev\u0161\u00edm postupem p\u0159i v\u00fdro\u010d\u00ed. Od poji\u0161\u0165ovny dostanete 3 m\u011bs\u00edce<\/strong> p\u0159ed koncem pojistn\u00e9ho obdob\u00ed p\u0159edpis pojistn\u00e9ho, kter\u00fd je p\u0159edb\u011b\u017en\u00fd<\/strong> a nijak nebere v potaz kilometry, kter\u00e9 jste v pr\u016fb\u011bhu roku skute\u010dn\u011b najeli. Tachometr si od v\u00e1s poji\u0161\u0165ovna vy\u017e\u00e1d\u00e1 a\u017e zhruba m\u011bs\u00edc p\u0159ed datem v\u00fdro\u010d\u00ed<\/strong> a na z\u00e1klad\u011b dolo\u017een\u00e9ho n\u00e1jezdu v\u00e1m poji\u0161\u0165ovna cenu uprav\u00ed. <\/p>\n\n\n\n

V\u00fdhoda tohoto postupu spo\u010d\u00edv\u00e1 v tom, \u017ee cena<\/strong> poji\u0161t\u011bn\u00ed bude l\u00e9pe odpov\u00eddat<\/strong> skute\u010dn\u00e9mu n\u00e1jezdu, nicm\u00e9n\u011b v\u00e1\u0161 \u201cman\u00e9vrovac\u00ed prostor\u201d pro zm\u011bnu poji\u0161t\u011bn\u00ed bude zna\u010dn\u011b omezen\u00fd. V\u00fdpov\u011b\u010f ke konci pojistn\u00e9ho obdob\u00ed<\/strong> (do 6 t\u00fddn\u016f p\u0159ed datem v\u00fdro\u010d\u00ed) zpravidla nestihnete<\/strong>, m\u016f\u017eete ale smlouvu p\u0159\u00edpadn\u011b vypov\u011bd\u011bt z d\u016fvodu zv\u00fd\u0161en\u00ed pojistn\u00e9ho<\/strong> (do 30 dn\u00ed od obdr\u017een\u00ed fin\u00e1ln\u00ed ceny). <\/p>\n\n\n\n

Povinn\u00e9 ru\u010den\u00ed UNIQA<\/h3>\n\n\n\n

Nechce se v\u00e1m rok co rok fotit tachometr, p\u0159esto byste ale cht\u011bli za povinn\u00e9 ru\u010den\u00ed vozidla s mal\u00fdm n\u00e1jezdem u\u0161et\u0159it? M\u016f\u017ee v\u00e1s zaujmout poji\u0161t\u011bn\u00ed UNIQA s asistenc\u00ed SafeLine<\/strong>. Jedn\u00e1 se o telematickou jednotku, kter\u00e1 slou\u017e\u00ed jako sledovac\u00ed a asisten\u010dn\u00ed za\u0159\u00edzen\u00ed, kter\u00e9 nap\u0159\u00edklad dok\u00e1\u017ee vytrasovat odcizen\u00e9 vozidlo nebo po n\u00e1razu ihned spojit pos\u00e1dku s oper\u00e1tory slu\u017eby. <\/p>\n\n\n\n

Pro\u010d v\u00e1s toto za\u0159\u00edzen\u00ed m\u00e1 zaj\u00edmat? Z\u00e1rove\u0148 toti\u017e tak\u00e9 um\u00ed po\u010d\u00edtat ujet\u00e9 kilometry i sledovat typ komunikac\u00ed, po kter\u00fdch se pohybujete. A \u0159idi\u010de, u kter\u00fdch je zaznamen\u00e1n mal\u00fd n\u00e1jezd, z\u00edsk\u00e1vaj\u00ed slevu na pojistn\u00e9m<\/strong> ve v\u00fd\u0161i a\u017e 25 procent <\/strong>ze z\u00e1kladn\u00ed ceny. Nejv\u011bt\u0161\u00ed \u00fasporu<\/strong> ze SafeLine vyt\u011b\u017e\u00ed \u0159idi\u010di, kte\u0159\u00ed najedou maxim\u00e1ln\u011b 5 000 kilometr\u016f<\/strong> ro\u010dn\u011b. SafeLine se m\u016f\u017ee vyplatit a\u017e do ro\u010dn\u00edho n\u00e1jezdu pod 30 000 kilometr\u016f, v\u011bt\u0161\u00ed po\u010det kilometr\u016f u\u017e toti\u017e znamen\u00e1 naopak p\u0159ir\u00e1\u017eku. <\/p>\n\n\n\n

\"nejlevn\u011bj\u0161\u00ed<\/figure>\n\n\n\n

Kdo nab\u00edz\u00ed nejlevn\u011bj\u0161\u00ed povinn\u00e9 ru\u010den\u00ed?<\/h2>\n\n\n\n

Jak\u00e1 z poji\u0161\u0165oven v\u00e1m nab\u00eddne nejni\u017e\u0161\u00ed cenu povinn\u00e9ho ru\u010den\u00ed pr\u00e1v\u011b pro va\u0161e vozidlo? To zjist\u00edte jen jedn\u00edm zp\u016fsobem \u2013 srovn\u00e1n\u00edm nab\u00eddek poji\u0161t\u011bn\u00ed<\/strong>. T\u0159eba zjist\u00edte, \u017ee nejlevn\u011bj\u0161\u00ed povinn\u00e9 ru\u010den\u00ed<\/a> nab\u00edz\u00ed poji\u0161\u0165ovna, o kter\u00e9 byste d\u0159\u00edve v\u016fbec neuva\u017eovali. <\/p>\n\n\n\n

Mrkn\u011bte, jak vypad\u00e1 povinn\u00e9 ru\u010den\u00ed pro \u0160kodu Octavia 1.9 TDI, rok v\u00fdroby 2000. N\u00e1\u0161 modelov\u00fd \u0159idi\u010d bydl\u00ed v men\u0161\u00ed obci a nasb\u00edral 100 m\u011bs\u00edc\u016f bez nehod, jeho ro\u010dn\u00ed n\u00e1jezd se pohybuje kolem 7000 kilometr\u016f. Jak vypad\u00e1 rozd\u00edl v b\u011b\u017en\u00e9m poji\u0161t\u011bn\u00ed a speci\u00e1ln\u00edch produktech pro vozidla s mal\u00fdm n\u00e1jezdem?<\/p>\n\n\n\n

<\/td>Pillow<\/strong><\/td>Allianz<\/strong><\/td>Poji\u0161\u0165ovna VZP<\/strong><\/td>Direct poji\u0161\u0165ovna<\/strong><\/td><\/tr>
Limit pojistn\u00e9ho kryt\u00ed (majetek\/zdrav\u00ed)<\/td>70\/70 milion\u016f K\u010d<\/td>70\/70 milion\u016f K\u010d.<\/td>70\/70 milion\u016f K\u010d<\/td>100\/100 milion\u016f K\u010d<\/td><\/tr>
Asistence<\/td>Z\u00e1kladn\u00ed, p\u0159ipoji\u0161t\u011bn\u00ed odtahu 50 km p\u0159i nehod\u011b<\/td>Roz\u0161\u00ed\u0159en\u00e1<\/td>Z\u00e1kladn\u00ed<\/td>Z\u00e1kladn\u00ed<\/td><\/tr>
Ro\u010dn\u00ed pojistn\u00e9<\/strong><\/td>1 616 K\u010d<\/strong><\/td>1 871 K\u010d<\/strong><\/td>2 052 K\u010d<\/strong><\/td>2 604 K\u010d<\/strong><\/td><\/tr><\/tbody><\/table>
Kalkulace pojistn\u00e9ho vych\u00e1z\u00ed z nab\u00eddek dostupn\u00fdch na srovn\u00e1va\u010di RIXO.cz v dob\u011b publikace.<\/em> <\/figcaption><\/figure>\n\n\n\n

Pamatujte, \u017ee cena povinn\u00e9ho ru\u010den\u00ed je zcela individu\u00e1ln\u00ed \u2013 pro sv\u00e9 auto m\u016f\u017eete naj\u00edt pojistku, kter\u00e1 bude je\u0161t\u011b levn\u011bj\u0161\u00ed! Jak na to? Sta\u010d\u00ed si jen srovnat nab\u00eddky povinn\u00e9ho ru\u010den\u00ed na RIXO.cz. Zad\u00e1te SPZ, dopln\u00edte p\u00e1r \u00fadaj\u016f o sob\u011b a m\u00e1te do minuty hotovo. Jednodu\u0161\u0161\u00ed u\u017e to b\u00fdt nem\u016f\u017ee! <\/p>\n\n\n\n

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Naj\u00edt nejlevn\u011bj\u0161\u00ed povinn\u00e9 ru\u010den\u00ed<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

\u0158ad\u00edte se mezi sv\u00e1te\u010dn\u00ed \u0159idi\u010de nebo v\u011bt\u0161inu cest zvl\u00e1dnete se slu\u017eebn\u00edm autem a va\u0161e vlastn\u00ed vozidlo v\u011bt\u0161inu \u010dasu stoj\u00ed v gar\u00e1\u017ei? Nemus\u00edte za sv\u00e9 povinn\u00e9 ru\u010den\u00ed platit stejnou \u010d\u00e1stku jako \u0159idi\u010di, kte\u0159\u00ed se sv\u00fdm autem br\u00e1zd\u00ed d\u00e1lnice ka\u017ed\u00fd den. Najd\u011bte to nejlevn\u011bj\u0161\u00ed povinn\u00e9 ru\u010den\u00ed. Jak? Porad\u00edme. <\/p>\n","protected":false},"author":11,"featured_media":2077,"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\/2075"}],"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=2075"}],"version-history":[{"count":5,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2075\/revisions"}],"predecessor-version":[{"id":2109,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2075\/revisions\/2109"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/2077"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2075"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2075"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2075"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}