{"id":2282,"date":"2024-04-18T11:48:44","date_gmt":"2024-04-18T09:48:44","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2282"},"modified":"2024-04-18T11:49:23","modified_gmt":"2024-04-18T09:49:23","slug":"pripojisteni-minihavarie-k-povinnemu-ruceni-nebo-rovnou-havarijko","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/pripojisteni-minihavarie-k-povinnemu-ruceni-nebo-rovnou-havarijko\/","title":{"rendered":"P\u0159ipoji\u0161t\u011bn\u00ed minihav\u00e1rie k povinn\u00e9mu ru\u010den\u00ed, nebo rovnou havarijko? Jak a co vybrat"},"content":{"rendered":"\n

Kdy\u017e v\u00e1s n\u011bkdo nabour\u00e1, m\u016f\u017eete se spolehnout na od\u0161kodn\u011bn\u00ed z povinn\u00e9ho ru\u010den\u00ed vin\u00edka. Co kdy\u017e ale bour\u00e1te vlastn\u00ed vinou vy? Pokud nem\u00e1te poji\u0161t\u011bn\u00ed minihav\u00e1rie nebo p\u0159\u00edmo havarijn\u00ed poji\u0161t\u011bn\u00ed, opravy va\u0161eho auta budete muset uhradit sami. Ale jak\u00e9 z t\u011bchto dvou poji\u0161t\u011bn\u00ed vybrat? <\/p>\n\n\n\n

Spol\u00e9hat se na \u0161t\u011bst\u00ed se nevypl\u00e1c\u00ed, a to plat\u00ed i pro zku\u0161en\u00e9 \u0159idi\u010de. Pro p\u0159\u00edpad, \u017ee zp\u016fsob\u00edte dopravn\u00ed nehodu, v\u00e1m nesta\u010d\u00ed jen povinn\u00e9 ru\u010den\u00ed pro n\u00e1hradu \u0161kod jin\u00fdm \u00fa\u010dastn\u00edk\u016fm provozu, ale myslet byste m\u011bli i na sv\u00e9 vozidlo. A\u0165 u\u017e je va\u0161e auto star\u0161\u00ed nebo pr\u00e1v\u011b sjelo z v\u00fdrobn\u00ed linky, poji\u0161t\u011bn\u00ed \u0161kod na vlastn\u00edm aut\u011b byste m\u011bli zv\u00e1\u017eit. <\/p>\n\n\n\n

Havarijn\u00ed poji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n

Havarijn\u00ed poji\u0161t\u011bn\u00ed v\u00e1m spole\u010dn\u011b s povinn\u00fdm ru\u010den\u00edm poskytne tu nejlep\u0161\u00ed ochranu p\u0159ed celou \u0159adou rizik. Hod\u00ed se p\u0159edev\u0161\u00edm pro dra\u017e\u0161\u00ed a nov\u00e1 vozidla,<\/strong> u kter\u00fdch by z\u00e1kladn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed minihav\u00e1rie pokrylo jen zlomek ceny. Po\u010d\u00edtejte s t\u00edm, \u017ee kvalitn\u00ed havarijn\u00ed poji\u0161t\u011bn\u00ed s obsahem v\u0161ech d\u016fle\u017eit\u00fdch rizik<\/strong> a spr\u00e1vn\u011b nastaven\u00fdmi limity v\u00e1s vyjde na n\u011bkolik tis\u00edc a\u017e po vy\u0161\u0161\u00ed desetitis\u00edce korun. Pro star\u0161\u00ed ojet\u00e1 auta, kter\u00e1 nepat\u0159\u00ed mezi sb\u011bratelsk\u00e9 kousky, se proto v\u00edc hod\u00ed levn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed minihav\u00e1rie k povinn\u00e9mu ru\u010den\u00ed. <\/p>\n\n\n\n

Pro nov\u00e1 auta<\/strong> se nav\u00edc hod\u00ed sjednat v r\u00e1mci havarijka tak\u00e9 GAP poji\u0161t\u011bn\u00ed<\/strong><\/a>. To slou\u017e\u00ed k tomu, abyste b\u011bhem n\u011bkolika prvn\u00edch let trv\u00e1n\u00ed smlouvy p\u0159i \u00fapln\u00e9m zni\u010den\u00ed vozidla nebo jeho kr\u00e1de\u017ei<\/strong> (tzv. tot\u00e1lce) od poji\u0161\u0165ovny dostali p\u0159esn\u011b tolik, za kolik jste sv\u016fj v\u016fz koupili. Vyrovn\u00e1te tak tzv. obvyklou cenu vozidla, kterou v\u00e1m poji\u0161\u0165ovna vyplat\u00ed z havarijn\u00edho poji\u0161t\u011bn\u00ed, ale z\u00e1rove\u0148 v\u00e1m poji\u0161\u0165ovna d\u00edky poji\u0161t\u011bn\u00ed GAP doplat\u00ed je\u0161t\u011b zbytek pro dorovn\u00e1n\u00ed p\u016fvodn\u00ed kupn\u00ed ceny<\/strong>. <\/p>\n\n\n\n

U havarijn\u00edho poji\u0161t\u011bn\u00ed v\u017edy po\u010d\u00edtejte se spolu\u00fa\u010dast\u00ed<\/strong>, kter\u00e1 vyjad\u0159uje (absolutn\u00ed \u010d\u00e1stkou, procentem nebo jejich kombinac\u00ed), jakou \u010d\u00e1stkou se na \u0161kod\u011b pod\u00edl\u00edte vy. U drah\u00fdch aut pro v\u00e1s bude v\u00fdhodn\u00e9 se orientovat podle pevn\u011b ur\u010den\u00e9 \u010d\u00e1stky<\/strong>. U procentu\u00e1ln\u00edho vy\u010d\u00edslen\u00ed byste se toti\u017e v p\u0159\u00edpad\u011b vy\u0161\u0161\u00ed \u0161kody mo\u017en\u00e1 \u201cnedoplatili\u201d.<\/p>\n\n\n\n

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Chcete se pod\u00edvat na aktu\u00e1ln\u00ed nab\u00eddky poji\u0161\u0165oven? Srovnejte si nab\u00eddky povinn\u00e9ho ru\u010den\u00ed a havarijn\u00edho poji\u0161t\u011bn\u00ed b\u011bhem p\u00e1r minut na RIXO.cz. <\/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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P\u0159ipoji\u0161t\u011bn\u00ed minihav\u00e1rie k povinn\u00e9mu ru\u010den\u00ed<\/h2>\n\n\n\n

Poji\u0161t\u011bn\u00ed minihav\u00e1rie, nebo tak\u00e9 \u201cpoji\u0161t\u011bn\u00ed n\u00e1klad\u016f na opravu vlastn\u00edho vozidla\u201d je jedn\u00edm z cel\u00e9 \u0159ady p\u0159ipoji\u0161t\u011bn\u00ed, kter\u00e9 si m\u016f\u017eete sjednat k va\u0161emu povinn\u00e9mu ru\u010den\u00ed. Nejv\u00edce ho ocen\u00ed \u0159idi\u010di, kte\u0159\u00ed maj\u00ed ji\u017e star\u0161\u00ed model vozidla<\/strong> a nepot\u0159ebuj\u00ed plnou ochranu prost\u0159ednictv\u00edm havarijn\u00edho poji\u0161t\u011bn\u00ed. Havarijn\u00ed poji\u0161t\u011bn\u00ed<\/strong> by se jim toti\u017e mo\u017en\u00e1 nejen nepoda\u0159ilo se star\u0161\u00edm vozidlem sjednat, ale z\u00e1rove\u0148 by bylo ne\u00fam\u011brn\u011b drah\u00e9<\/strong>. Poji\u0161t\u011bn\u00ed minihav\u00e1rie toti\u017e vyjde na stovky korun ro\u010dn\u011b<\/strong>, havarijko oproti tomu stoj\u00ed vy\u0161\u0161\u00ed tis\u00edce korun.<\/p>\n\n\n\n

Kde takov\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed hledat? Nab\u00edz\u00ed ho mnoho poji\u0161\u0165oven, ale u ka\u017ed\u00e9 z nich m\u016f\u017ee m\u00edt toto poji\u0161t\u011bn\u00ed jin\u00fd n\u00e1zev i obsah. Uvedeme n\u011bkolik p\u0159\u00edklad\u016f. Poji\u0161t\u011bn\u00ed od jmenovan\u00fdch poji\u0161\u0165oven n\u00ed\u017ee si m\u016f\u017eete p\u00e1r kliky pohodln\u011b srovnat na RIXO.cz. <\/p>\n\n\n\n

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

Povinn\u00e9 ru\u010den\u00ed \u010cPP s p\u0159ipoji\u0161t\u011bn\u00edm Klika<\/h3>\n\n\n\n

\u010cesk\u00e1 podnikatelsk\u00e1 poji\u0161\u0165ovna nab\u00edz\u00ed k povinn\u00e9mu ru\u010den\u00ed p\u0159ipoji\u0161t\u011bn\u00ed Klika, kter\u00e9 se uplatn\u00ed p\u0159i v\u00e1mi zavin\u011bn\u00e9 nehod\u011b. Ov\u0161em jen za podm\u00ednek, \u017ee s po\u0161kozen\u00edm va\u0161eho vozidla tak\u00e9 do\u0161lo ke \u0161kod\u011b na majetku \u010di \u00fajm\u011b na zdrav\u00ed<\/strong> n\u011bkoho jin\u00e9ho. To znamen\u00e1, \u017ee vyplacen\u00ed n\u00e1hrady \u0161kody na va\u0161em vozidle poji\u0161\u0165ovnou je podm\u00edn\u011bn\u00e9 va\u0161\u00ed povinnost\u00ed nahradit \u0161kodu jin\u00e9mu (prost\u0159ednictv\u00edm va\u0161eho povinn\u00e9ho ru\u010den\u00ed). P\u0159i sr\u00e1\u017ece se zv\u011b\u0159\u00ed<\/strong> nebo vjet\u00ed \u201cdo pangejtu\u201d <\/strong>v\u00e1m tedy toto poji\u0161t\u011bn\u00ed nepom\u016f\u017ee<\/strong>. <\/p>\n\n\n\n

Poji\u0161t\u011bn\u00ed je ur\u010deno pro star\u0161\u00ed auta, o \u010dem\u017e sv\u011bd\u010d\u00ed tak\u00e9 limit pln\u011bn\u00ed, kter\u00fd u \u010cPP za\u010d\u00edn\u00e1 na 10 tis\u00edc\u00edch korun a kon\u010d\u00ed na 50 tis\u00edc\u00edch korun. V\u00fdhodou ale je, \u017ee p\u0159i pojistn\u00e9 ud\u00e1losti neplat\u00edte \u017e\u00e1dnou spolu\u00fa\u010dast<\/strong>. <\/p>\n\n\n\n

Povinn\u00e9 ru\u010den\u00ed Pillow s p\u0159ipoji\u0161t\u011bn\u00edm Dopravn\u00ed nehoda<\/h3>\n\n\n\n

Poji\u0161\u0165ovna Pillow v p\u0159ipoji\u0161t\u011bn\u00ed Dopravn\u00ed nehoda pamatuje nejen na samotnou zavin\u011bnou boura\u010dku, ale i celou \u0159adu jin\u00fdch ne\u0161t\u011bst\u00ed, kter\u00e9 nemaj\u00ed jin\u00e9ho vin\u00edka. Uhrad\u00ed \u0161kodu vzniklou na poji\u0161t\u011bn\u00e9m vozidle n\u00e1sledkem nehody, n\u00e1razu, p\u00e1du vozidla <\/strong>nebo jeho vjet\u00ed do vody <\/strong>i po\u0161kozen\u00ed zp\u016fsoben\u00e9 p\u00e1dem v\u011bc\u00ed<\/strong>, pokud nejde o \u017eiveln\u00ed ud\u00e1lost. Po\u0161kozen\u00ed se ov\u0161em nesm\u00ed t\u00fdkat pouze skel nebo pneumatik vozidla, ale tak\u00e9 jin\u00e9 \u010d\u00e1sti vozidla. <\/p>\n\n\n\n

Po\u010d\u00edtejte tak\u00e9 s t\u00edm, \u017ee pokud vozidlo poji\u0161\u0165ovn\u011b nenafot\u00edte, nemine v\u00e1s spolu\u00fa\u010dast ve v\u00fd\u0161i 5 000 K\u010d. Po nafocen\u00ed vozidla se spolu\u00fa\u010dasti vyhnete. Limitem pro poji\u0161t\u011bn\u00ed Dopravn\u00ed nehoda je u Pillow tzv. obvykl\u00e1 cena vozidla<\/strong>, kterou m\u016f\u017eete ur\u010dit b\u011bhem sjedn\u00e1v\u00e1n\u00ed povinn\u00e9ho ru\u010den\u00ed sami. P\u0159\u00edpadn\u011b m\u016f\u017eete zvolit jist\u011bj\u0161\u00ed variantu a nechat v\u00fdpo\u010det obvykl\u00e9 ceny vozidla na poji\u0161\u0165ovn\u011b. <\/p>\n\n\n\n

\"minihav\u00e1rie\"<\/figure>\n\n\n\n

Kolik stoj\u00ed p\u0159ipoji\u0161t\u011bn\u00ed minihav\u00e1rie a havarijn\u00ed poji\u0161t\u011bn\u00ed? <\/h2>\n\n\n\n

Zaj\u00edm\u00e1 v\u00e1s, na jakou \u010d\u00e1stku v\u00e1s vyjde p\u0159ipoji\u0161t\u011bn\u00ed minihav\u00e1rie k povinn\u00e9mu ru\u010den\u00ed nebo rovnou havarijko? Pod\u00edvejte se na kalkulaci n\u00ed\u017ee. <\/p>\n\n\n\n

<\/td>UNIQA<\/strong><\/td>\u010cPP<\/strong><\/td>Poji\u0161\u0165ovna Pillow<\/strong><\/td><\/tr>
Limit kryt\u00ed povinn\u00e9ho ru\u010den\u00ed (\u0161kody na majetku\/zdrav\u00ed)<\/td>100\/100 milion\u016f korun<\/td>100\/100 milion\u016f korun<\/td>70\/70 milion\u016f korun<\/td><\/tr>
Cena povinn\u00e9ho ru\u010den\u00ed<\/td>3 591 K\u010d<\/td>3 013 K\u010d<\/td>3 294 K\u010d<\/td><\/tr>
Limit kryt\u00ed p\u0159ipoji\u0161t\u011bn\u00ed minihav\u00e1rie<\/td>30 000 K\u010d<\/td>30 000 K\u010d<\/td>30 000 K\u010d<\/td><\/tr>
Cena p\u0159ipoji\u0161t\u011bn\u00ed minihav\u00e1rie<\/td>414 K\u010d<\/td>820 K\u010d<\/td>2 119 K\u010d<\/td><\/tr>
Celkov\u00e1 cena<\/strong><\/td>4 005 K\u010d<\/strong><\/td>3 833 K\u010d<\/strong><\/td>5 413 K\u010d<\/strong><\/td><\/tr><\/tbody><\/table>
Kalkulace na vozidlo \u0160koda Fabia, rok v\u00fdroby 2003 v\u010d. bonus\u016f vych\u00e1z\u00ed z nab\u00eddek poji\u0161\u0165oven dostupn\u00fdch na srovn\u00e1va\u010di RIXO.cz v dob\u011b publikace. <\/em><\/figcaption><\/figure>\n\n\n\n

Pot\u0159ebujete i p\u0159ipoji\u0161t\u011bn\u00ed nezavin\u011bn\u00e9 nehody?<\/h2>\n\n\n\n

Tohle poji\u0161t\u011bn\u00ed sem sice \u00fapln\u011b nepat\u0159\u00ed, ale kdy\u017e jsme u boura\u010dek, nem\u016f\u017eeme ho jen tak vynechat. Jak u\u017e n\u00e1zev napov\u00edd\u00e1, poji\u0161t\u011bn\u00ed nezavin\u011bn\u00e9 boura\u010dky <\/strong>v\u00e1m se zaplacen\u00edm opravy \u0161kod na va\u0161em vozidle nepom\u016f\u017ee<\/strong>, pokud jste pr\u00e1v\u011b vy byli vin\u00edkem<\/strong>. Toto p\u0159ipoji\u0161t\u011bn\u00ed najdete v nab\u00eddce poji\u0161\u0165oven tak\u00e9 pod n\u00e1zev \u201cpoji\u0161t\u011bn\u00ed p\u0159\u00edm\u00e9 likvidace\u201d. <\/p>\n\n\n\n

Co je tedy obsahem tohoto poji\u0161t\u011bn\u00ed? M\u00edsto toho, abyste p\u0159i nehod\u011b zavin\u011bn\u00e9 n\u011bk\u00fdm jin\u00fdm \u010derpali pln\u011bn\u00ed z poji\u0161\u0165ovny vin\u00edka nebo p\u0159\u00edpadn\u011b sv\u00e9ho havarijn\u00edho poji\u0161t\u011bn\u00ed, sta\u010d\u00ed jen nahl\u00e1sit \u0161kodu <\/strong>va\u0161\u00ed poji\u0161\u0165ovn\u011b<\/a>. Ta v\u00e1m vyplat\u00ed pln\u011bn\u00ed<\/strong> a n\u00e1sledn\u011b pojistnou ud\u00e1lost do\u0159e\u0161\u00ed s poji\u0161\u0165ovnou vin\u00edka. Podm\u00ednkou ov\u0161em je, \u017ee za \u0161kodu na sv\u00e9m aut\u011b nenesete ani \u010d\u00e1ste\u010dnou odpov\u011bdnost. Sjedn\u00e1te ho nap\u0159\u00edklad u poji\u0161\u0165ovny Direct, Allianz, \u010cPP a cel\u00e9 \u0159ady dal\u0161\u00edch poji\u0161\u0165oven.<\/p>\n\n\n\n

Chcete si rovnou nab\u00eddky autopoji\u0161t\u011bn\u00ed od t\u011bchto poji\u0161\u0165oven srovnat? Nen\u00ed probl\u00e9m! Sta\u010d\u00ed jen p\u00e1rkr\u00e1t kliknout a nab\u00eddky p\u0159esn\u011b pro va\u0161e vozidlo jsou na sv\u011bt\u011b. <\/p>\n\n\n\n

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