{"id":2147,"date":"2024-03-01T10:28:41","date_gmt":"2024-03-01T09:28:41","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2147"},"modified":"2024-02-27T09:57:12","modified_gmt":"2024-02-27T08:57:12","slug":"pojisteni-elektrokola-jak-na-to-a-kolik-stoji","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/pojisteni-elektrokola-jak-na-to-a-kolik-stoji\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed elektrokola: Jak na to a kolik stoj\u00ed?"},"content":{"rendered":"\n<p>Vym\u011bnili jste sv\u016fj klasick\u00fd bicykl za modern\u00ed variantu kola s elektrick\u00fdm pohonem? Chra\u0148te nejen elektrokolo, ale i svou pen\u011b\u017eenku poji\u0161t\u011bn\u00edm. Jak naj\u00edt to nejlep\u0161\u00ed poji\u0161t\u011bn\u00ed elektrokola a kolik za n\u011bj zaplat\u00edte? Na tyto ot\u00e1zky v\u00e1m odpov\u00edme v na\u0161em \u010dl\u00e1nku.<\/p>\n\n\n\n<p>N\u00e1kup elektrokola nen\u00ed mal\u00e1 investice. Jeho po\u0161kozen\u00ed, zni\u010den\u00ed nebo dokonce odcizen\u00ed by v\u00e1s mohlo zabolet. A p\u0159iznejme si \u2013 pades\u00e1t tis\u00edc korun na nov\u00e9 kolo jen tak na zemi nenajdete. Nebezpe\u010d\u00ed nav\u00edc nemus\u00ed hrozit jen v\u00e1m a va\u0161emu dopravn\u00edmu prost\u0159edku, ale i ostatn\u00edm \u00fa\u010dastn\u00edk\u016fm provozu. Ve v\u0161ech t\u011bchto p\u0159\u00edpadech v\u00e1m ale m\u016f\u017ee pomoci dob\u0159e vybran\u00e9 poji\u0161t\u011bn\u00ed.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Je pot\u0159eba m\u00edt elektrokolo poji\u0161t\u011bn\u00e9?&nbsp;<\/h2>\n\n\n\n<p>Elektrokola se narozd\u00edl od siln\u011bj\u0161\u00edch elektrokolob\u011b\u017eek a jin\u00fdch voz\u00edtek (zat\u00edm) <strong>vyhnou nutnosti <\/strong>sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed odpov\u011bdnosti z provozu vozidla, tedy dob\u0159e zn\u00e1m\u00e9ho <strong>povinn\u00e9ho ru\u010den\u00ed<\/strong>. Elektromotor se u nich toti\u017e nepova\u017euje za hlavn\u00ed zdroj pohybu, ale pouze za sekund\u00e1rn\u00ed. Jinak \u0159e\u010deno: na kole sp\u00ed\u0161e \u0161lapete, ne\u017e abyste se pouze vozilii. To, \u017ee elektrokolo poji\u0161\u0165ovat nemus\u00edte, v\u0161ak neznamen\u00e1, \u017ee byste \u017e\u00e1dn\u00e9 poji\u0161t\u011bn\u00ed m\u00edt nem\u011bli.&nbsp;<\/p>\n\n\n\n<p>Majitele elektrokol by m\u011bly zaj\u00edmat dv\u011b r\u016fzn\u00e9 situace: <strong>zp\u016fsoben\u00ed \u0161kody<\/strong> na zdrav\u00ed a majetku ciz\u00edch osob <strong>provozem<\/strong> elektrokola a <strong>vznik \u0161kody<\/strong> na samotn\u00e9m <strong>elektrokole<\/strong>. Na ob\u011b z nich se podrobn\u011b zam\u011b\u0159\u00edme v dal\u0161\u00edch odstavc\u00edch. Pokud u\u017e jste n\u011bkdy \u0159e\u0161ili poji\u0161t\u011bn\u00ed \u201coby\u010dejn\u00e9ho\u201d kola, mo\u017en\u00e1 budete v\u011bd\u011bt, o \u010dem je \u0159e\u010d.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Poji\u0161t\u011bn\u00ed elektrokola v poji\u0161t\u011bn\u00ed majetku<\/h2>\n\n\n\n<p>Pokud chcete pojistit samotn\u00e9 elektrokolo pro p\u0159\u00edpad po\u0161kozen\u00ed, zni\u010den\u00ed nebo odcizen\u00ed, poohl\u00e9dn\u011bte se po nab\u00eddk\u00e1ch speci\u00e1ln\u00edch produkt\u016f <strong>samostatn\u00e9ho poji\u0161t\u011bn\u00ed (elektro)kol<\/strong>, kter\u00e9 nab\u00edz\u00ed jen omezen\u00e9 mno\u017estv\u00ed poji\u0161\u0165oven. Mnohem v\u011bt\u0161\u00ed v\u00fdb\u011br pak nab\u00edz\u00ed klasick\u00e9 <a href=\"https:\/\/www.rixo.cz\/pojisteni-domacnosti\/\"><strong>poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/strong><\/a><strong>.<\/strong> Zpravidla toti\u017e poji\u0161t\u011bn\u00ed dom\u00e1cnosti plat\u00ed<strong> i pro v\u011bci mimo domov<\/strong>, tedy nap\u0159\u00edklad kolo uzam\u010den\u00e9 p\u0159ed obchodem nebo va\u0161\u00edm pracovi\u0161t\u011bm. O n\u011bco \u0161ir\u0161\u00ed kryt\u00ed m\u016f\u017eete naj\u00edt v nab\u00eddce poji\u0161\u0165oven pod n\u00e1zvem \u201c<strong>p\u0159ipoji\u0161t\u011bn\u00ed sportovn\u00ed v\u00fdbavy<\/strong>\u201d (nab\u00edz\u00ed nap\u0159. poji\u0161\u0165ovna \u010cPP) nebo \u201c<strong>p\u0159ipoji\u0161t\u011bn\u00ed kol<\/strong>\u201d (nab\u00edz\u00ed nap\u0159. poji\u0161\u0165ovna Direct).&nbsp;<\/p>\n\n\n\n<p>Jak takov\u00e9 poji\u0161t\u011bn\u00ed vybrat? P\u0159i v\u00fdb\u011bru poji\u0161t\u011bn\u00ed se zam\u011b\u0159te p\u0159edev\u0161\u00edm na nastaven\u00ed odpov\u00eddaj\u00edc\u00edch <strong>limit\u016f pojistn\u00e9ho pln\u011bn\u00ed<\/strong> a <strong>rozsah rizik<\/strong>, kter\u00e1 poji\u0161t\u011bn\u00ed pokryje. Zpravidla v nab\u00eddce poji\u0161\u0165oven najdete ochranu proti \u017eiveln\u00edm katastrof\u00e1m, odcizen\u00ed \u010di vandalismu. Nem\u011blo by v\u00e1s tak\u00e9 p\u0159ekvapit, \u017ee u tohoto druhu poji\u0161t\u011bn\u00ed se uplat\u0148uje<strong> spolu\u00fa\u010dast<\/strong>. V\u017edy tedy alespo\u0148 n\u011bjakou \u010d\u00e1stku (v\u011bt\u0161inou minim\u00e1ln\u011b 1 000 K\u010d) zaplat\u00edte p\u0159i \u0161kod\u011b ze sv\u00e9ho. M\u00e1 to ale i sv\u00e9 v\u00fdhody \u2013 drobn\u00e9 \u0161kody pravd\u011bpodobn\u011b s poji\u0161\u0165ovnou ani nebudete cht\u00edt \u0159e\u0161it. Nav\u00edc,  <strong>\u010d\u00edm vy\u0161\u0161\u00ed <\/strong>si nastav\u00edte <strong>spolu\u00fa\u010dast<\/strong>, t\u00edm <strong>ni\u017e\u0161\u00ed bude cena<\/strong> poji\u0161t\u011bn\u00ed.&nbsp;Zkuste si ho rovnou srovnat!<\/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=\"300\" width=\"400\" frameborder=\"0\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/forms\/property-insurance-form\/\"><\/iframe>\n<\/div>\n\n\n\n<p>Pozornost v\u017edy v\u011bnujte tak\u00e9 <strong>v\u00fdluk\u00e1m<\/strong>, kter\u00e9 m\u016f\u017ee ka\u017ed\u00e1 poji\u0161\u0165ovna vymezit jinak. Pokud v\u00e1s zaj\u00edm\u00e1 hlavn\u011b <a href=\"https:\/\/www.rixo.cz\/blog\/jak-pojistit-kolo-nebo-elektrokolo\/\"><strong>poji\u0161t\u011bn\u00ed proti kr\u00e1de\u017ei<\/strong><\/a>, po\u010d\u00edtejte s t\u00edm, \u017ee poji\u0161\u0165ovny jistojist\u011b nebudou kr\u00fdt kr\u00e1de\u017ee elektrokola, kter\u00e9 jste <strong>dostate\u010dn\u011b nezabezpe\u010dili <\/strong>z\u00e1mkem nebo \u00faschovou v uzam\u010den\u00e9m objektu.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"515\" 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\/02\/woman-putting-bike-lock-1-1-1.jpg\" alt=\"Poji\u0161t\u011bn\u00ed elektrokola\" class=\"wp-image-2152\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/02\/woman-putting-bike-lock-1-1-1.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/02\/woman-putting-bike-lock-1-1-1-300x155.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/02\/woman-putting-bike-lock-1-1-1-768x396.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/02\/woman-putting-bike-lock-1-1-1-100x52.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/02\/woman-putting-bike-lock-1-1-1-700x361.jpg 700w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Poji\u0161t\u011bn\u00ed elektrokola a odpov\u011bdnosti z jeho provozu<\/h2>\n\n\n\n<p>Nam\u00edsto povinn\u00e9ho ru\u010den\u00ed si i s v\u00fdkonn\u011bj\u0161\u00edm elektrokolem vysta\u010d\u00edte pouze s <strong>dobrovoln\u00fdm poji\u0161t\u011bn\u00edm odpov\u011bdnosti <\/strong>pro p\u0159\u00edpad, \u017ee j\u00edzdou na kole n\u011bkomu <strong>zp\u016fsob\u00edte \u0161kodu<\/strong> na majetku \u010di na zdrav\u00ed. Nejde toti\u017e o nic nev\u00eddan\u00e9ho ani u klasick\u00fdch j\u00edzdn\u00edch kol, nato\u017e u siln\u011bj\u0161\u00edch a rychlej\u0161\u00edch elektrokol a zejm\u00e9na n\u00e1hrada za \u00fajmu na zdrav\u00ed jin\u00e9ho \u010dlov\u011bka se m\u016f\u017ee vy\u0161plhat a\u017e do <strong>milionov\u00fdch \u010d\u00e1stek<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Pojistn\u00e1 ochrana proti zp\u016fsoben\u00ed \u0161kody j\u00edzdou na oby\u010dejn\u00e9m kole i elektrokole je sou\u010d\u00e1st\u00ed <strong>z\u00e1kladn\u00edho rozsahu poji\u0161t\u011bn\u00ed <\/strong>ob\u010dansk\u00e9 odpov\u011bdnosti, kter\u00e9 se hod\u00ed m\u00edt v jak\u00e9koliv situaci. Pom\u016f\u017ee toti\u017e nejen p\u0159i nehod\u011b na kole, ale t\u0159eba i p\u0159i <a href=\"https:\/\/www.rixo.cz\/blog\/jak-resit-vytopeni-bytu\/\"><strong>vytopen\u00ed bytu<\/strong><\/a> soused\u016fm pod v\u00e1mi nebo jin\u00fdch ne\u0161\u0165astn\u00fdch ud\u00e1lostech, kter\u00e9 vznikly va\u0161\u00ed nepozornost\u00ed.&nbsp;<\/p>\n\n\n\n<p>I p\u0159i v\u00fdb\u011bru <a href=\"https:\/\/www.rixo.cz\/pojisteni-odpovednosti\/\"><strong>poji\u0161t\u011bn\u00ed ob\u010dansk\u00e9 odpov\u011bdnosti<\/strong><\/a> se zam\u011b\u0159te p\u0159edev\u0161\u00edm na <strong>limity pojistn\u00e9ho pln\u011bn\u00ed<\/strong>, kter\u00e9 se vztahuj\u00ed i na jin\u00e9 situace, ne\u017e na \u0161kodu zp\u016fsobenou j\u00edzdou na kole. Va\u0161e pojistka by tedy m\u011bla m\u00edt limity nastaven\u00e9 minim\u00e1ln\u011b na <strong>5 milion\u016f korun. <\/strong>Stejn\u011b jako u poji\u0161t\u011bn\u00ed dom\u00e1cnosti se zde nevyhnete nastaven\u00ed <strong>spolu\u00fa\u010dasti<\/strong>.<\/p>\n\n\n\n<p>Budete se moci na svou pojistku pln\u011b spolehnout? Uk\u00e1zkov\u00e9 \u0159idi\u010de \u017e\u00e1dn\u00e9 p\u0159ekvapen\u00ed ne\u010dek\u00e1. Poji\u0161\u0165ovna bude p\u0159i \u0159e\u0161en\u00ed konkr\u00e9tn\u00ed pojistn\u00e9 ud\u00e1losti zkoumat, jestli jste p\u0159i j\u00edzd\u011b <strong>dodr\u017eeli v\u0161echny p\u0159edpisy<\/strong>. Pokud byste pravidla silni\u010dn\u00edho provozu nedodr\u017eeli, poji\u0161\u0165ovna pln\u011bn\u00ed m\u016f\u017ee <strong>kr\u00e1tit<\/strong> nebo <strong>\u00fapln\u011b odm\u00edtnout<\/strong> v\u00fdplatu pln\u011bn\u00ed. S alkoholem v krvi rozhodn\u011b \u0159\u00edd\u00edtka do ruky neberte a ujist\u011bte se, \u017ee jezd\u00edte povolenou rychlost\u00ed na spr\u00e1vn\u00fdch typech vozovky.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kolik v\u00e1s poji\u0161t\u011bn\u00ed elektrokola a odpov\u011bdnosti bude st\u00e1t?&nbsp;<\/h2>\n\n\n\n<p>Pod\u00edvejte se s n\u00e1mi na n\u011bkolik variant poji\u0161t\u011bn\u00ed, kter\u00e9 v\u00e1m poskytnou komplexn\u00ed ochranu nejen p\u0159i j\u00edzd\u011b na elektrokole, ale i v b\u011b\u017en\u00e9m \u017eivot\u011b. Nebojte, s investic\u00ed do <strong>poji\u0161t\u011bn\u00ed dom\u00e1cnosti i poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/strong> se hrav\u011b vejdete <strong>do 2 tis\u00edc korun za rok.<\/strong><\/p>\n\n\n\n<p>V na\u0161em p\u0159\u00edkladu jsme po\u010d\u00edtali s hodnotou vybaven\u00ed dom\u00e1cnosti 500 000 K\u010d, optim\u00e1ln\u00edm rozmez\u00edm limit\u016f ob\u010dansk\u00e9 odpov\u011bdnosti, kter\u00e9 poji\u0161\u0165ovny nab\u00edz\u00ed a ochranou kola v hodnot\u011b 60 000 K\u010d.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>Maxima poji\u0161\u0165ovna<\/strong><\/td><td><strong>Direct<\/strong><\/td><td><strong>Poji\u0161\u0165ovna VZP<\/strong><\/td><td><strong>Slavia poji\u0161\u0165ovna<\/strong><\/td><\/tr><tr><td>Limit pln\u011bn\u00ed v poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/td><td>500 000 K\u010d<\/td><td>500 000 K\u010d<\/td><td>500 000 K\u010d<\/td><td>500 000 K\u010d<\/td><\/tr><tr><td>Limit pln\u011bn\u00ed v poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/td><td>5 000 000 K\u010d<\/td><td>5 000 000 K\u010d<\/td><td>5 000 000 K\u010d<\/td><td>6 000 000 K\u010d<\/td><\/tr><tr><td>Limit pln\u011bn\u00ed (elektro)kola \/ sportovn\u00ed v\u00fdbavy<\/td><td>50 000 K\u010d<\/td><td>60 000 K\u010d<\/td><td>50 000 K\u010d<\/td><td>60 000 K\u010d<\/td><\/tr><tr><td>Spolu\u00fa\u010dast<\/td><td>1 000 K\u010d<\/td><td>1 000 K\u010d<\/td><td>1 000 K\u010d<\/td><td>1 000 K\u010d<\/td><\/tr><tr><td>Limit asistence<\/td><td>4 000 K\u010d<\/td><td>5 000 K\u010d<\/td><td>5 000 K\u010d<\/td><td>5 000 K\u010d<\/td><\/tr><tr><td><strong>Cena poji\u0161t\u011bn\u00ed bez poji\u0161t\u011bn\u00ed elektrokola za rok<\/strong><\/td><td><strong>1 328 K\u010d<\/strong><\/td><td><strong>1 490 K\u010d<\/strong><\/td><td><strong>&#8211;<\/strong><\/td><td><strong>1 319 K\u010d<\/strong><\/td><\/tr><tr><td><strong>Cena celkov\u00e9ho poji\u0161t\u011bn\u00ed za rok<\/strong><\/td><td><strong>1 886 K\u010d<\/strong><\/td><td><strong>1 997 K\u010d<\/strong><\/td><td><strong>1 435 K\u010d<\/strong><\/td><td><strong>1 859 K\u010d<\/strong><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><em>Kalkulace poji\u0161t\u011bn\u00ed vych\u00e1z\u00ed z nab\u00eddek partnersk\u00fdch poji\u0161\u0165oven srovn\u00e1va\u010de RIXO.cz dostupn\u00fdch v dob\u011b publikace.&nbsp;<\/em><\/figcaption><\/figure>\n\n\n\n<p>A na kolik by poji\u0161t\u011bn\u00ed elektrokola vy\u0161lo v\u00e1s? Srovnejte si poji\u0161t\u011bn\u00ed dom\u00e1cnosti a poji\u0161t\u011bn\u00ed odpov\u011bdnosti p\u00e1r kliky do dvou minut. Sta\u010d\u00ed jen vyplnit z\u00e1kladn\u00ed \u00fadaje o v\u00e1s a va\u0161em bydli\u0161ti a b\u011bhem chvilky si m\u016f\u017eete prohl\u00e9dnout nab\u00eddky cel\u00e9 \u0159ady poji\u0161\u0165oven. Jdeme na to?&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 has-custom-font-size\" style=\"font-size:18px\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/pojisteni-domacnosti\/\" style=\"background-color:#605db5\">Srovnat poji\u0161t\u011bn\u00ed dom\u00e1cnosti a odpov\u011bdnosti <\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Vym\u011bnili jste sv\u016fj klasick\u00fd bicykl za modern\u00ed variantu kola s elektrick\u00fdm pohonem? Chra\u0148te nejen elektrokolo, ale i svou pen\u011b\u017eenku poji\u0161t\u011bn\u00edm. Jak naj\u00edt to nejlep\u0161\u00ed poji\u0161t\u011bn\u00ed elektrokola a kolik za n\u011bj zaplat\u00edte? Na tyto ot\u00e1zky v\u00e1m odpov\u00edme v na\u0161em \u010dl\u00e1nku.<\/p>\n","protected":false},"author":11,"featured_media":2150,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[9,48,7],"tags":[51,45],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2147"}],"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=2147"}],"version-history":[{"count":8,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2147\/revisions"}],"predecessor-version":[{"id":2151,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2147\/revisions\/2151"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/2150"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2147"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2147"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2147"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}