{"id":2228,"date":"2024-03-28T13:55:55","date_gmt":"2024-03-28T12:55:55","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2228"},"modified":"2024-03-28T13:55:56","modified_gmt":"2024-03-28T12:55:56","slug":"kuna-v-aute-pojisteni-vozidla-proti-poskozeni-zviretem","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/kuna-v-aute-pojisteni-vozidla-proti-poskozeni-zviretem\/","title":{"rendered":"Kuna v aut\u011b? Jak pom\u016f\u017ee poji\u0161t\u011bn\u00ed vozidla proti po\u0161kozen\u00ed zv\u00ed\u0159etem"},"content":{"rendered":"\n

Va\u0161e auto se m\u016f\u017ee kdykoliv st\u00e1t c\u00edlem nejen vandal\u016f z \u0159ad lid\u00ed, ale i ze zv\u00ed\u0159ec\u00ed \u0159\u00ed\u0161e. S kunami a dal\u0161\u00edmi \u201c\u0161k\u016fdci\u201d se pot\u00fdkaj\u00ed p\u0159edev\u0161\u00edm lid\u00e9 na vesnic\u00edch a v men\u0161\u00edch obc\u00edch obklopen\u00fdch p\u0159\u00edrodou, ale nebezpe\u010d\u00ed po\u0161kozen\u00ed vozidla jak\u00fdmkoliv zv\u00ed\u0159etem hroz\u00ed tak\u0159ka komukoliv. Jak vyzr\u00e1t na kunu v aut\u011b a jak v\u00e1m pom\u016f\u017ee poji\u0161t\u011bn\u00ed vozidla proti po\u0161kozen\u00ed zv\u00ed\u0159etem? <\/p>\n\n\n\n

Se zv\u00ed\u0159aty m\u016f\u017ee m\u00edt \u0159idi\u010d pot\u00ed\u017e, dobrou zpr\u00e1vou ale je, \u017ee proti jak\u00e9mukoliv incidentu souvisej\u00edc\u00edm se zv\u00ed\u0159etem \u010di divokou zv\u011b\u0159\u00ed je mo\u017en\u00e9 se pojistit. Rozli\u0161ujte ov\u0161em poji\u0161t\u011bn\u00ed st\u0159etu se zv\u011b\u0159\u00ed<\/strong><\/a>, kter\u00e9 va\u0161e auto chr\u00e1n\u00ed v p\u0159\u00edpad\u011b sr\u00e1\u017eky b\u011bhem j\u00edzdy<\/strong>, a poji\u0161t\u011bn\u00ed po\u0161kozen\u00ed zaparkovan\u00e9ho vozidla zv\u00ed\u0159etem<\/strong>. To naopak chr\u00e1n\u00ed va\u0161e vozidlo p\u0159ed \u0161kodami zp\u016fsoben\u00fdmi zv\u00ed\u0159etem v dob\u011b, kdy ho zrovna ne\u0159\u00edd\u00edte<\/strong>.  <\/p>\n\n\n\n

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

Jak\u00e9 po\u0161kozen\u00ed zv\u00ed\u0159etem je nej\u010dast\u011bj\u0161\u00ed? <\/h2>\n\n\n\n

Mezi zv\u00ed\u0159ec\u00edmi vandaly jednozna\u010dn\u011b v po\u010dtu i objemu \u0161kod kraluj\u00ed kuny. Tato roztomil\u00e1 zv\u00ed\u0159\u00e1tka sice vypadaj\u00ed nevinn\u011b, sv\u00e9 o nich ale v\u00ed nejen chovatel\u00e9 slepic a zahr\u00e1dk\u00e1\u0159i, ale i majitel\u00e9 aut, kter\u00fdm se vkr\u00e1daj\u00ed pod kapotu<\/strong>. Kuny tak\u00e9 vyhled\u00e1vaj\u00ed \u00fakryt <\/strong>i v lidsk\u00fdch obydl\u00edch, kde demoluj\u00ed st\u0159e\u0161n\u00ed konstrukce a nev\u00e1haj\u00ed okousat jak\u00fdkoliv kabel. A to je k\u00e1men \u00farazu i u automobil\u016f a motocykl\u016f. Pr\u00e1v\u011b p\u0159ekusov\u00e1n\u00edm kabel\u016f<\/strong> elektroinstalace, brzdn\u00e9 nebo chladic\u00ed soustavy d\u011blaj\u00ed kuny tu nejv\u011bt\u0161\u00ed neplechu v \u0159\u00e1du vy\u0161\u0161\u00edch des\u00edtek tis\u00edc korun<\/strong>. \u010casto si pochutnaj\u00ed i na tepeln\u00e9 a zvukov\u00e9 izolaci<\/strong> kapoty.<\/p>\n\n\n\n

A jak poznat, \u017ee se kuna zabydlela pr\u00e1v\u011b ve va\u0161em aut\u011b? Na stopu v\u00e1s m\u016f\u017ee nav\u00e9st zvl\u00e1\u0161tn\u00ed \u201cchrocht\u00e1n\u00ed\u201d motoru<\/strong>, vyte\u010den\u00ed chladic\u00ed kapaliny <\/strong>z n\u00e1dr\u017eky, porucha ost\u0159ikova\u010d\u016f<\/strong>, sv\u00edt\u00edc\u00ed kontrolky<\/strong> a samoz\u0159ejm\u011b tak\u00e9 lou\u017ei\u010dka provozn\u00edch kapalin<\/strong> pod autem. \u0158\u00e1d\u011bn\u00ed kuny ale nemus\u00edte dlouhou dobu zaznamenat a na to, \u017ee je s va\u0161\u00edm autem n\u011bco \u0161patn\u011b, p\u0159ijdete a\u017e ve chv\u00edli, kdy se pokus\u00edte ne\u00fasp\u011b\u0161n\u011b nastartovat. <\/p>\n\n\n\n

Ne v\u017edy mus\u00ed b\u00fdt pachatelem zrovna kuna. Podobn\u00e9 pot\u00ed\u017ee mohou zp\u016fsobit tak\u00e9 veverky, krysy, potkani<\/strong>, ostatn\u00ed lasicovit\u00e9 \u0161elmy nebo jin\u00ed obyvatel\u00e9 les\u016f a pol\u00ed. <\/p>\n\n\n\n

Jak p\u0159edej\u00edt \u0161kod\u00e1m na vozidle kv\u016fli po\u0161kozen\u00ed zv\u00ed\u0159etem? <\/h2>\n\n\n\n

Nezvan\u00e9 n\u00e1v\u0161t\u011bvn\u00edky si nenechte l\u00edbit. Nen\u00ed lehk\u00e9 na n\u011b vyzr\u00e1t, ale p\u00e1r \u00fa\u010dinn\u00fdch \u0159e\u0161en\u00ed se p\u0159ece jenom najde. V\u00fdrazn\u011b men\u0161\u00ed pravd\u011bpodobnost po\u0161kozen\u00ed zv\u00ed\u0159etem maj\u00ed gar\u00e1\u017eovan\u00e1 auta<\/strong>. Pokud tedy m\u00e1te mo\u017enost auto p\u0159es noc zaparkovat do gar\u00e1\u017ee, rozhodn\u011b toho vyu\u017eijte. Ov\u0161em zv\u00eddav\u00e9 kuny bez probl\u00e9mu prolezou i mal\u00fdmi skulinkami<\/strong> ve dve\u0159\u00edch \u010di v\u011btrac\u00edch m\u0159\u00ed\u017e\u00edch. Bezpe\u010d\u00ed va\u0161emu autu poskytnou jen pr\u016fduchy men\u0161\u00ed ne\u017e 5 centimetr\u016f.<\/p>\n\n\n\n

Kdy\u017e u\u017e s kunou m\u00e1te co do \u010din\u011bn\u00ed, vyu\u017eijte pomocn\u00edka v podob\u011b odpuzova\u010de<\/strong>. K dost\u00e1n\u00ed jsou b\u011b\u017en\u011b odpuzova\u010de pachov\u00e9 a ultrazvukov\u00e9. Oba typy jsou \u00fa\u010dinn\u00e9 a lze je i kombinovat<\/strong>, pokud chcete kun\u011b skute\u010dn\u011b zkazit chu\u0165 na va\u0161e kabely. <\/p>\n\n\n\n

Pachov\u00e9 odpuzova\u010de<\/strong> funguj\u00ed podobn\u011b jako repelent a tak\u00e9 \u010dasto obsahuj\u00ed stejn\u00e9 l\u00e1tky, kter\u00e9 se pou\u017e\u00edvaj\u00ed pro odpuzov\u00e1n\u00ed krtk\u016f nebo hmyzu. Siln\u00fd z\u00e1pach kuny odrad\u00ed. Myslete ale na to, \u017ee spreje, ty\u010dinky nebo napu\u0161t\u011bn\u00e9 desti\u010dky nevydr\u017e\u00ed p\u016fsobit v\u011b\u010dn\u011b<\/strong>. N\u011bkter\u00e9 p\u016fsob\u00ed m\u011bs\u00edc, jin\u00e9 zase p\u016fl roku. Nezapome\u0148te tedy podle instrukc\u00ed v\u00fdrobce v\u010das pachov\u00fd odpuzova\u010d vym\u011bnit. Sprej nebo 1 balen\u00ed pachov\u00fdch ty\u010dinek v\u00e1s vyjde zhruba na 300-500 K\u010d<\/strong>. <\/p>\n\n\n\n

Na jin\u00e9m principu funguj\u00ed ultrazvukov\u00e9 odpuzova\u010de<\/strong>, jejich\u017e zvukov\u00fd sign\u00e1l je pro kuny a hlodavce velmi nep\u0159\u00edjemn\u00fd. Na\u0161t\u011bst\u00ed frekvence ultrazvukov\u00e9ho vln\u011bn\u00ed je pro \u010dlov\u011bka nesly\u0161iteln\u00e1, tud\u00ed\u017e se nemus\u00edte ob\u00e1vat \u017e\u00e1dn\u00e9ho ru\u0161en\u00ed. Ultrazvukov\u00fd odpuzova\u010d je bezpe\u010dn\u00fd pro \u010dlov\u011bka a zpravidla se p\u0159i um\u00edst\u011bn\u00ed do auta nemus\u00edte b\u00e1t o vypla\u0161en\u00ed dom\u00e1c\u00edch mazl\u00ed\u010dk\u016f. Psi a ko\u010dky ultrazvukov\u00e9 frekvence sly\u0161\u00ed, ale na\u0161t\u011bst\u00ed se vlny nenesou daleko, tak\u017ee se t\u00e9to mo\u017enosti nemus\u00edte ani s mazl\u00ed\u010dkem vzd\u00e1vat. Za\u0159\u00edzen\u00ed v\u00e1s vyjde na 1000-1300 K\u010d<\/strong>. <\/p>\n\n\n\n

\"Kuna<\/figure>\n\n\n\n

Co je poji\u0161t\u011bn\u00ed po\u0161kozen\u00ed zaparkovan\u00e9ho vozidla zv\u00ed\u0159etem<\/h2>\n\n\n\n

Poji\u0161t\u011bn\u00ed po\u0161kozen\u00ed vozidla zv\u00ed\u0159etem nab\u00edz\u00ed poji\u0161\u0165ovny b\u011b\u017en\u011b jako p\u0159ipoji\u0161t\u011bn\u00ed k povinn\u00e9mu ru\u010den\u00ed<\/strong> a tak\u00e9 jako sou\u010d\u00e1st havarijn\u00edho poji\u0161t\u011bn\u00ed<\/strong>. U ka\u017ed\u00e9 poji\u0161\u0165ovny se nicm\u00e9n\u011b m\u016f\u017ee li\u0161it rozsah pojistn\u00e9ho kryt\u00ed. N\u011bkdy m\u016f\u017ee b\u00fdt poji\u0161t\u011bno po\u0161kozen\u00ed pouze v prostoru motoru<\/strong>, kde se \u0161kody p\u0159edev\u0161\u00edm zp\u016fsoben\u00e9 kunou objevuj\u00ed nej\u010dast\u011bji. Jinde zase m\u016f\u017ee b\u00fdt v poji\u0161t\u011bn\u00ed obsa\u017eena tak\u00e9 cel\u00e1 karos\u00e9rie i interi\u00e9r<\/strong>, jako nap\u0159\u00edklad rozdr\u00e1pan\u00e9 seda\u010dky. U n\u011bkter\u00fdch poji\u0161\u0165oven nav\u00edc m\u016f\u017ee b\u00fdt poji\u0161t\u011bn\u00ed zaparkovan\u00e9ho vozidla zv\u00ed\u0159etem zahrnuto spole\u010dn\u011b s poji\u0161t\u011bn\u00edm sr\u00e1\u017eky se zv\u011b\u0159\u00ed do jednoho \u201cpoji\u0161t\u011bn\u00ed po\u0161kozen\u00ed zv\u00ed\u0159etem\u201d<\/strong>.<\/p>\n\n\n\n

Poji\u0161t\u011bn\u00ed po\u0161kozen\u00ed zv\u00ed\u0159etem v prostoru motoru i na karoserii <\/strong>kryj\u00ed nap\u0159\u00edklad poji\u0161\u0165ovny Uniqa a Allianz. Naproti tomu pokud v\u00e1s zaj\u00edm\u00e1 pouze poji\u0161t\u011bn\u00ed po\u0161kozen\u00ed kabel\u00e1\u017ee<\/strong> v prostoru motoru, pom\u016f\u017ee v\u00e1m poji\u0161t\u011bn\u00ed od PVZP nebo \u010cPP, kter\u00e9 kryje p\u0159ekous\u00e1n\u00ed kabel\u016f v r\u00e1mci poji\u0161t\u011bn\u00ed p\u0159\u00edrodn\u00edch rizik. Nezapome\u0148te ale na prostudov\u00e1n\u00ed v\u00fdluk z poji\u0161t\u011bn\u00ed. N\u011bkdy jsou toti\u017e z kryt\u00ed vylou\u010den\u00e9 n\u00e1sledky \u0161kod<\/strong> (nap\u0159. zkrat), kter\u00e9 vznikly a\u017e v d\u016fsledku samotn\u00e9ho p\u0159ekous\u00e1n\u00ed kabel\u016f. <\/p>\n\n\n\n

Jak pom\u016f\u017ee poji\u0161t\u011bn\u00ed po\u0161kozen\u00ed zaparkovan\u00e9ho vozidla zv\u00ed\u0159etem<\/h2>\n\n\n\n

Sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed po\u0161kozen\u00ed zaparkovan\u00e9ho vozidla zv\u00ed\u0159etem zaji\u0161\u0165uje, \u017ee p\u0159i pojistn\u00e9 ud\u00e1losti poji\u0161\u0165ovna uhrad\u00ed \u0161kody a\u017e do smluvn\u011b ur\u010den\u00e9ho limitu<\/strong>. V\u00fd\u0161e pln\u011bn\u00ed, kter\u00e9 dostanete od poji\u0161\u0165ovny, se \u0159\u00edd\u00ed cenou opravy<\/strong> po\u0161kozen\u00fdch sou\u010d\u00e1st\u00ed motoru v autoservisu, p\u0159\u00edpadn\u011b cenou sou\u010d\u00e1stek<\/strong>, pokud auto opravujete sv\u00e9pomoc\u00ed. Limit<\/strong>, na kter\u00fd poji\u0161t\u011bn\u00ed sjedn\u00e1te, z\u00e1le\u017e\u00ed na v\u00e1s<\/strong>. N\u011bkter\u00e9 poji\u0161\u0165ovny, zejm\u00e9na u havarijn\u00edho poji\u0161t\u011bn\u00ed, nab\u00edz\u00ed i limit ve v\u00fd\u0161i hodnoty cel\u00e9ho vozidla<\/strong>. Zpravidla si ale limit tohoto p\u0159ipoji\u0161t\u011bn\u00ed u povinn\u00e9ho ru\u010den\u00ed m\u016f\u017eete stanovit sami podle va\u0161ich pot\u0159eb, od 10 tis\u00edc korun<\/strong> a\u017e po hodnotu cel\u00e9ho vozidla. <\/p>\n\n\n\n

U n\u011bkter\u00fdch poji\u0161\u0165oven po\u010d\u00edtejte tak\u00e9 se spolu\u00fa\u010dast\u00ed<\/strong>. Nap\u0159\u00edklad u \u010cPP je spolu\u00fa\u010dast nastavena na 10 % z celkov\u00e9 v\u00fd\u0161e \u0161kody, u mnoha dal\u0161\u00edch poji\u0161\u0165oven se ale spolu\u00fa\u010dasti vyhnete, a to zpravidla po nafocen\u00ed \u010di prohl\u00eddce vozidla<\/strong>. <\/p>\n\n\n\n

Kolik stoj\u00ed poji\u0161t\u011bn\u00ed po\u0161kozen\u00ed zaparkovan\u00e9ho vozidla zv\u00ed\u0159etem<\/h2>\n\n\n\n

Poji\u0161t\u011bn\u00ed po\u0161kozen\u00ed zaparkovan\u00e9ho vozidla zv\u00ed\u0159etem pat\u0159\u00ed mezi vyhled\u00e1van\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed <\/strong>k povinn\u00e9mu ru\u010den\u00ed, stejn\u011b jako <\/strong>poji\u0161t\u011bn\u00ed skel<\/strong><\/a> nebo poji\u0161t\u011bn\u00ed sr\u00e1\u017eky se zv\u011b\u0159\u00ed<\/strong><\/a>. To je nav\u00edc u n\u011bkter\u00fdch poji\u0161\u0165oven v nab\u00eddk\u00e1ch zahrnuto spole\u010dn\u011b s po\u0161kozen\u00edm vozidla zv\u00ed\u0159etem. Na kolik v\u00e1s vyjde? Pod\u00edvejte se na orienta\u010dn\u00ed kalkulaci pro star\u0161\u00ed vozidlo v hodnot\u011b 50 000 K\u010d. <\/p>\n\n\n\n

<\/td>Uniqa<\/strong><\/td>PVZP<\/strong><\/td>\u010cPP<\/strong><\/td><\/tr>
Limity povinn\u00e9ho ru\u010den\u00ed (\u0161kody na majetku\/zdrav\u00ed)<\/td>150\/150 mil. K\u010d<\/td>150\/150 mil. K\u010d<\/td>100\/100 mil. K\u010d<\/td><\/tr>
Poji\u0161t\u011bn\u00ed po\u0161kozen\u00ed zaparkovan\u00e9ho vozidla zv\u00ed\u0159etem (limit)<\/td>50 000 K\u010d<\/td>50 000 K\u010d<\/td>50 000 K\u010d<\/td><\/tr>
Poji\u0161t\u011bn\u00ed sr\u00e1\u017eky se zv\u011b\u0159\u00ed (limit)<\/td>50 000 K\u010d<\/td>50 000 K\u010d<\/td>–<\/td><\/tr>
Spolu\u00fa\u010dast<\/td>0 K\u010d p\u0159i oprav\u011b ve smluvn\u00edm servisu, jinak 2 000 K\u010d; do proveden\u00ed fotodokumentace spolu\u00fa\u010dast 90 %<\/td>0 K\u010d p\u0159i proveden\u00ed prohl\u00eddky<\/td>10 %<\/td><\/tr>
Asistence<\/td>Z\u00e1kladn\u00ed<\/td>Z\u00e1kladn\u00ed<\/td>Roz\u0161\u00ed\u0159en\u00e1<\/td><\/tr>
Cena p\u0159ipoji\u0161t\u011bn\u00ed ro\u010dn\u011b<\/strong><\/td>885 K\u010d<\/strong><\/td>359 K\u010d<\/strong><\/td>360 K\u010d<\/strong><\/td><\/tr>
Celkov\u00e1 cena poji\u0161t\u011bn\u00ed ro\u010dn\u011b<\/strong><\/td>3 382 K\u010d<\/strong><\/td>3 677 K\u010d<\/strong><\/td>3 520 K\u010d<\/strong><\/td><\/tr><\/tbody><\/table>
Kalkulace vych\u00e1z\u00ed z nab\u00eddek partnersk\u00fdch poji\u0161\u0165oven srovn\u00e1va\u010de RIXO.cz v dob\u011b publikace. <\/em><\/figcaption><\/figure>\n\n\n\n

Chcete si sv\u00e9 povinn\u00e9 ru\u010den\u00ed roz\u0161\u00ed\u0159it o poji\u0161t\u011bn\u00ed po\u0161kozen\u00ed vozidla zv\u00ed\u0159etem? Sta\u010d\u00ed jen zadat SPZ <\/strong>spole\u010dn\u011b s p\u00e1r dal\u0161\u00edmi \u00fadaji<\/strong> a do minuty<\/strong> si m\u016f\u017eete prohl\u00ed\u017eet nab\u00eddky cel\u00e9 \u0159ady poji\u0161\u0165oven. D\u00edky mo\u017enosti editace v p\u0159ehledu nab\u00eddek <\/strong>si pak m\u016f\u017eete zobrazit cenu povinn\u00e9ho ru\u010den\u00ed jak s p\u0159ipoji\u0161t\u011bn\u00edm po\u0161kozen\u00ed vozidla zv\u00ed\u0159etem, tak i bez n\u011bj. Sta\u010d\u00ed si jen n\u011bkterou z nab\u00eddek vybrat. Poji\u0161t\u011bn\u00ed si s RIXO.cz sjedn\u00e1te d\u0159\u00edv<\/strong>, ne\u017e se kuna stihne vloupat pod kapotu va\u0161eho auta. <\/p>\n\n\n\n

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Srovnat povinn\u00e9 ru\u010den\u00ed <\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

S kunami a dal\u0161\u00edmi \u201c\u0161k\u016fdci\u201d se pot\u00fdkaj\u00ed p\u0159edev\u0161\u00edm lid\u00e9 na vesnic\u00edch a v men\u0161\u00edch obc\u00edch obklopen\u00fdch p\u0159\u00edrodou, ale nebezpe\u010d\u00ed po\u0161kozen\u00ed vozidla jak\u00fdmkoliv zv\u00ed\u0159etem hroz\u00ed tak\u0159ka komukoliv. Jak vyzr\u00e1t na kunu v aut\u011b a jak v\u00e1m pom\u016f\u017ee poji\u0161t\u011bn\u00ed vozidla proti po\u0161kozen\u00ed zv\u00ed\u0159etem?\u00a0<\/p>\n","protected":false},"author":11,"featured_media":2230,"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\/2228"}],"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=2228"}],"version-history":[{"count":3,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2228\/revisions"}],"predecessor-version":[{"id":2233,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2228\/revisions\/2233"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/2230"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2228"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2228"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2228"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}