{"id":3209,"date":"2025-04-07T09:17:18","date_gmt":"2025-04-07T07:17:18","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=3209"},"modified":"2025-04-07T09:17:21","modified_gmt":"2025-04-07T07:17:21","slug":"pojisteni-garaze","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/pojisteni-garaze\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed gar\u00e1\u017ee: Co kryje a kdy naopak nepom\u016f\u017ee?"},"content":{"rendered":"\n

Gar\u00e1\u017e mo\u017en\u00e1 nen\u00ed va\u0161\u00edm nejcenn\u011bj\u0161\u00edm majetkem, kdyby se ale s n\u00ed nebo jej\u00edm vybaven\u00edm n\u011bco stalo, m\u016f\u017ee to va\u0161i pen\u011b\u017eenku p\u011bkn\u011b zabolet. Jak ale v\u016fbec gar\u00e1\u017e pojistit a co v\u0161e poji\u0161t\u011bn\u00ed gar\u00e1\u017ee kryje? To se dozv\u00edte v na\u0161em \u010dl\u00e1nku. <\/p>\n\n\n\n

D\u016fle\u017eitost poji\u0161t\u011bn\u00ed majetku v\u00e1m je ur\u010dit\u011b dob\u0159e zn\u00e1m\u00e1. Poji\u0161t\u011bn\u00ed nemovitosti<\/strong><\/a>, tedy samotn\u00e9 stavby a jej\u00edch pevn\u00fdch sou\u010d\u00e1st\u00ed, a poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/strong><\/a>, kter\u00e9 chr\u00e1n\u00ed vnit\u0159n\u00ed vybaven\u00ed va\u0161eho domu \u010di bytu, u\u017e mo\u017en\u00e1 m\u00e1te. Na gar\u00e1\u017e ale u\u017e v\u011bt\u0161ina lid\u00ed p\u0159\u00edli\u0161 nemysl\u00ed. P\u0159itom se stejn\u011b jako va\u0161e obydl\u00ed m\u016f\u017ee tak\u0159ka kdykoliv st\u00e1t ob\u011bt\u00ed nejen vandal\u016f a zlod\u011bj\u016f<\/strong>, ale tak\u00e9 \u017eiveln\u00edch pohrom<\/strong>. <\/p>\n\n\n\n

Jak na poji\u0161t\u011bn\u00ed gar\u00e1\u017ee?<\/h2>\n\n\n\n

Va\u0161e sou\u010dasn\u00e9 poji\u0161t\u011bn\u00ed nemovitosti a dom\u00e1cnosti u\u017e m\u016f\u017ee gar\u00e1\u017e zahrnovat, pokud se nach\u00e1z\u00ed p\u0159\u00edmo v dom\u011b nebo na stejn\u00e9 adrese<\/strong> jako hlavn\u00ed poji\u0161t\u011bn\u00e1 nemovitost. To se t\u00fdk\u00e1 i baz\u00e9n\u016f, pergol nebo nap\u0159\u00edklad plot\u016f, kter\u00e9 se pak pova\u017euj\u00ed za tzv. vedlej\u0161\u00ed stavby<\/strong>. Tyto objekty jsou pak poji\u0161t\u011bn\u00e9 \u201cv jednom bal\u00edku\u201d na zvolenou hodnotu nemovitosti<\/strong>, nebo procentu\u00e1ln\u011b<\/strong> (nap\u0159. 10 nebo 15 % sjednan\u00e9 pojistn\u00e9 \u010d\u00e1stky u hlavn\u00ed nemovitosti). Pokud u\u017e je m\u00e1te v poji\u0161t\u011bn\u00ed nemovitosti a dom\u00e1cnosti zahrnut\u00e9, nemus\u00edte poji\u0161t\u011bn\u00ed gar\u00e1\u017ee \u0159e\u0161it jinak. <\/p>\n\n\n\n

V p\u0159\u00edpad\u011b, \u017ee m\u00e1 gar\u00e1\u017e vlastn\u00ed \u010d\u00edslo popisn\u00e9<\/strong>, u\u017e je nutn\u00e9 pojistit ji zvl\u00e1\u0161\u0165<\/strong> a sjednat pro ni samostatnou pojistnou smlouvu se samostatn\u00fdm limitem pln\u011bn\u00ed. N\u011bkter\u00e9 poji\u0161\u0165ovny tak\u00e9 nab\u00edz\u00ed p\u0159ipoji\u0161t\u011bn\u00ed gar\u00e1\u017ee na jin\u00e9 adrese<\/strong> i k va\u0161\u00ed \u201chlavn\u00ed smlouv\u011b\u201d, ov\u0161em v podm\u00ednk\u00e1ch limituj\u00ed nap\u0159\u00edklad vzd\u00e1lenost od hlavn\u00ed poji\u0161t\u011bn\u00e9 nemovitosti ke gar\u00e1\u017ei. <\/p>\n\n\n\n

Co kryje poji\u0161t\u011bn\u00ed gar\u00e1\u017ee?<\/h2>\n\n\n\n

Ochr\u00e1nit se vyplat\u00ed jak samotnou stavbu, tak i p\u0159\u00edpadn\u00e9 vybaven\u00ed, pokud v\u00e1m gar\u00e1\u017e slou\u017e\u00ed tak\u00e9 jako \u00faschovna v\u011bc\u00ed (t\u0159eba sportovn\u00edho vybaven\u00ed a pneumatik) nebo d\u00edlna. <\/p>\n\n\n\n

Nej\u010dast\u011bji se klienti soust\u0159ed\u00ed na poji\u0161t\u011bn\u00ed gar\u00e1\u017ee proti kr\u00e1de\u017ei vybaven\u00ed, ale hroz\u00edc\u00edch rizik je mnohem v\u00edce. Proti \u010demu v\u00e1s poji\u0161t\u011bn\u00ed m\u016f\u017ee ochr\u00e1nit? Komplexn\u00ed poji\u0161t\u011bn\u00ed by m\u011blo obsahovat jak nebezpe\u010d\u00ed vandalismu a vloup\u00e1n\u00ed<\/strong>, tak i \u017eiveln\u00ed rizika<\/strong> – mezi n\u011b pat\u0159\u00ed nap\u0159\u00edklad po\u017e\u00e1r, vich\u0159ice \u010di krupobit\u00ed, sesuv p\u016fdy a dal\u0161\u00ed ni\u010div\u00e9 p\u0159\u00edrodn\u00ed vlivy. <\/p>\n\n\n\n

\u010casto opom\u00edjenou, ale velmi praktickou sou\u010d\u00e1st\u00ed poji\u0161t\u011bn\u00ed majetku jsou tak\u00e9 asisten\u010dn\u00ed slu\u017eby<\/strong>. Pomoc poji\u0161\u0165ovny toti\u017e vyu\u017eijete nejen p\u0159i zni\u010den\u00ed nebo po\u0161kozen\u00ed va\u0161ich v\u011bc\u00ed, ale tak\u00e9 v p\u0159\u00edpad\u011b, \u017ee budete pot\u0159ebovat akutn\u00ed pomoc z\u00e1me\u010dn\u00edka, elektrik\u00e1\u0159e nebo t\u0159eba deratiz\u00e1tora<\/strong>. V\u00fdjezd i pr\u00e1ci specialisty do sjednan\u00e9ho limitu v\u00e1m pokryje poji\u0161\u0165ovna a samoz\u0159ejm\u011b v\u0161e i zorganizuje. <\/p>\n\n\n\n

\"poji\u0161t\u011bn\u00ed<\/figure>\n\n\n\n

Co poji\u0161t\u011bn\u00ed gar\u00e1\u017ee nepokryje?<\/h2>\n\n\n\n

Poji\u0161t\u011bn\u00ed gar\u00e1\u017ee sice kryje v\u011bci v gar\u00e1\u017ei<\/strong>, ov\u0161em na ochranu va\u0161eho vozidla<\/strong> je takov\u00e1 pojistka kr\u00e1tk\u00e1. Pro p\u0159\u00edpad po\u0161kozen\u00ed vozidla, a\u0165 u\u017e v gar\u00e1\u017ei nebo mimo ni, je tu toti\u017e havarijn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/a>. To plat\u00ed jak pro automobily, tak i motocykly. Naopak odcizen\u00e1 j\u00edzdn\u00ed kola nebo kolob\u011b\u017eky<\/strong> poji\u0161\u0165ovny v r\u00e1mci poji\u0161t\u011bn\u00ed gar\u00e1\u017ee pokryj\u00ed<\/strong>. <\/p>\n\n\n\n

Poji\u0161t\u011bn\u00ed gar\u00e1\u017ee, respektive jej\u00edho vybaven\u00ed, v\u00e1m tak\u00e9 nep\u0159inese moc u\u017eitku v p\u0159\u00edpad\u011b, \u017ee dojde k jej\u00edmu vykraden\u00ed kv\u016fli nedostate\u010dn\u00e9 \u00farovni zabezpe\u010den\u00ed<\/strong>. Z pohledu poji\u0161\u0165oven je toti\u017e jen ot\u00e1zkou \u010dasu, kdy va\u0161i nezam\u010denou nebo slab\u011b zabezpe\u010denou gar\u00e1\u017e n\u011bkdo p\u0159ijde vykr\u00e1st. Jakou bezpe\u010dnostn\u00ed t\u0159\u00eddu z\u00e1mku \u010di dve\u0159\u00ed poji\u0161\u0165ovna vy\u017eaduje, aby p\u0159\u00edpadn\u00e9 \u0161kody pokryla? To se v\u017edy dozv\u00edte v pojistn\u00fdch podm\u00ednk\u00e1ch<\/strong> v\u00e1mi vybran\u00e9ho poji\u0161t\u011bn\u00ed. <\/p>\n\n\n\n

Kolik poji\u0161t\u011bn\u00ed gar\u00e1\u017ee stoj\u00ed? <\/h2>\n\n\n\n

Poji\u0161t\u011bn\u00ed gar\u00e1\u017ee proti kr\u00e1de\u017ei i dal\u0161\u00edm nebezpe\u010d\u00edm nemus\u00ed b\u00fdt drah\u00e1 z\u00e1le\u017eitost. Kolik stoj\u00ed poji\u0161t\u011bn\u00ed pro gar\u00e1\u017e, kter\u00e1 se nach\u00e1z\u00ed v dom\u011b? Komplexn\u00ed poji\u0161t\u011bn\u00ed nemovitosti<\/strong> s pojistnou \u010d\u00e1stkou 4 500 000 K\u010d za d\u016fm v\u010detn\u011b gar\u00e1\u017ee, poji\u0161t\u011bn\u00ed dom\u00e1cnosti s \u010d\u00e1stkou 500 000 K\u010d a poji\u0161t\u011bn\u00edm gar\u00e1\u017ee s pojistnou \u010d\u00e1stkou 130 000 K\u010d na jej\u00ed vybaven\u00ed m\u016f\u017ee majitele vyj\u00edt jen na 2-3 000 K\u010d ro\u010dn\u011b<\/strong>. A samostatn\u00e9 poji\u0161t\u011bn\u00ed gar\u00e1\u017ee <\/strong>s pojistnou \u010d\u00e1stkou 500 000 K\u010d se\u017eenete u\u017e za cenu pod 1 000 K\u010d<\/strong>.<\/p>\n\n\n\n

Zaj\u00edm\u00e1 v\u00e1s, kolik by poji\u0161t\u011bn\u00ed st\u00e1lo ve va\u0161em p\u0159\u00edpad\u011b? Nen\u00ed nic jednodu\u0161\u0161\u00edho, ne\u017e si srovnat nab\u00eddky poji\u0161t\u011bn\u00ed nemovitosti i dom\u00e1cnosti od cel\u00e9 \u0159ady poji\u0161\u0165oven na RIXO.cz a my v\u00e1m najdeme tu nejv\u00fdhodn\u011bj\u0161\u00ed. Jednodu\u0161e, rychle, online. <\/p>\n\n\n\n

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