{"id":3556,"date":"2025-09-01T10:38:31","date_gmt":"2025-09-01T08:38:31","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=3556"},"modified":"2025-09-01T10:38:34","modified_gmt":"2025-09-01T08:38:34","slug":"vyluky-povinne-ruceni-havarijni-pojisteni","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/vyluky-povinne-ruceni-havarijni-pojisteni\/","title":{"rendered":"V\u00fdluky v poji\u0161t\u011bn\u00ed vozidel: Co nezaplat\u00ed povinn\u00e9 ru\u010den\u00ed, ani havarijn\u00ed poji\u0161t\u011bn\u00ed?"},"content":{"rendered":"\n<p>Mnoho \u0159idi\u010d\u016f m\u00e1 pocit, \u017ee jakmile si sjednaj\u00ed povinn\u00e9 ru\u010den\u00ed a k tomu t\u0159eba i havarijn\u00ed poji\u0161t\u011bn\u00ed, maj\u00ed vystar\u00e1no a p\u0159i jak\u00e9koli \u0161kod\u011b se sta\u010d\u00ed jen obr\u00e1tit na poji\u0161\u0165ovnu. Ve skute\u010dnosti se ale s poji\u0161t\u011bn\u00edm vozidel v\u00e1\u017ee \u0159ada v\u00fdluk. V\u00edte, jak\u00e9 v\u00fdluky m\u00e1te ve sv\u00e9m poji\u0161t\u011bn\u00ed? Nenechte se p\u0159i \u0159e\u0161en\u00ed pojistn\u00e9 ud\u00e1losti p\u0159ekvapit a seznamte se s nimi v na\u0161em \u010dl\u00e1nku.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Co se v \u010dl\u00e1nku dozv\u00edte?<\/h2><nav><ul><li class=\"\"><a href=\"#povinne-ruceni\">Kdy v\u00e1s chr\u00e1n\u00ed povinn\u00e9 ru\u010den\u00ed?<\/a><ul><li class=\"\"><a href=\"#prehled-co-povinne-ruceni-nekryje\">P\u0159ehled: Co povinn\u00e9 ru\u010den\u00ed nekryje?\u00a0<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#havarijni-pojisteni\">Kdy v\u00e1s chr\u00e1n\u00ed havarijn\u00ed poji\u0161t\u011bn\u00ed?<\/a><ul><li class=\"\"><a href=\"#prehled-jake-skody-havarijni-pojisteni-nezaplati\">P\u0159ehled: Jak\u00e9 \u0161kody havarijn\u00ed poji\u0161t\u011bn\u00ed nezaplat\u00ed?<\/a><\/li><li class=\"\"><a href=\"#proc-je-znalost-vyluk-dulezita\">Pro\u010d je znalost v\u00fdluk d\u016fle\u017eit\u00e1?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>V\u00fdluky z poji\u0161t\u011bn\u00ed ur\u010duj\u00ed, v jak\u00fdch situac\u00edch poji\u0161\u0165ovna <strong>pln\u011bn\u00ed neposkytne<\/strong>, nebo ho p\u0159\u00edpadn\u011b <strong>vyplat\u00ed po\u0161kozen\u00e9mu<\/strong>, ale n\u00e1sledn\u011b ho bude po<strong> vin\u00edkovi vym\u00e1hat<\/strong>. Nebojte, \u017ee by se poji\u0161\u0165ovna z v\u00fdplaty pln\u011bn\u00ed po <a href=\"https:\/\/www.rixo.cz\/blog\/nahlaseni-pojistne-udalosti-u-pojistovny-jednoduse-a-online\/\">nahl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti<\/a> vykrucovala jen tak &#8211; ve\u0161ker\u00e9 v\u00fdluky z poji\u0161t\u011bn\u00ed m\u00e1 sepsan\u00e9 v <strong>pojistn\u00fdch podm\u00ednk\u00e1ch<\/strong>, se kter\u00fdmi byste se m\u011bli v\u017edy (v ide\u00e1ln\u00edm p\u0159\u00edpad\u011b) sezn\u00e1mit p\u0159i sjedn\u00e1v\u00e1n\u00ed poji\u0161t\u011bn\u00ed.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"povinne-ruceni\">Kdy v\u00e1s chr\u00e1n\u00ed povinn\u00e9 ru\u010den\u00ed?<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\">Povinn\u00e9 ru\u010den\u00ed<\/a> (form\u00e1ln\u011b \u201cpoji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu zp\u016fsobenou provozem vozidla\u201d) je ze z\u00e1kona ur\u010deno k \u00fahrad\u011b \u0161kod, kter\u00e9 provozov\u00e1n\u00edm vozidla zp\u016fsob\u00edte <strong>t\u0159et\u00edm osob\u00e1m<\/strong> na jejich <strong>zdrav\u00ed nebo majetku<\/strong>. Nem\u011blo by v\u00e1s p\u0159ekvapit, \u017ee va\u0161e povinn\u00e9 ru\u010den\u00ed nikdy nekryje t\u0159eba \u0161kody na vlastn\u00edm aut\u011b nebo \u00fajmu na va\u0161em zdrav\u00ed. Kv\u016fli t\u011bmto n\u00e1rok\u016fm se mus\u00edte obr\u00e1tit na <strong>poji\u0161\u0165ovnu vin\u00edka<\/strong> dopravn\u00ed nehody &#8211; a pokud jste vin\u00edkem vy, bohu\u017eel \u017e\u00e1dnou n\u00e1hradu od poji\u0161\u0165ovny o\u010dek\u00e1vat nem\u016f\u017eete.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"prehled-co-povinne-ruceni-nekryje\">P\u0159ehled: Co povinn\u00e9 ru\u010den\u00ed nekryje?&nbsp;<\/h3>\n\n\n\n<p>Z\u00e1kon v\u00fdslovn\u011b stanov\u00ed, \u017ee povinn\u00e9 ru\u010den\u00ed nepokryje:<\/p>\n\n\n\n<ul>\n<li>Po\u0161kozen\u00ed <strong>vlastn\u00edho vozu<\/strong> a \u00fajmu na <strong>vlastn\u00edm zdrav\u00ed<\/strong><\/li>\n\n\n\n<li>\u0160kodu <strong>na v\u011bcech p\u0159epravovan\u00fdch<\/strong> ve vozidle, kter\u00e9 zp\u016fsobilo nehodu<\/li>\n\n\n\n<li>\u0160kodu vzniklou<strong> manipulac\u00ed s n\u00e1kladem<\/strong> stoj\u00edc\u00edho vozidla<\/li>\n\n\n\n<li>\u0160kodu vzniklou v d\u016fsledku<strong> teroristick\u00e9ho \u010dinu nebo v\u00e1le\u010dn\u00e9 ud\u00e1losti<\/strong><\/li>\n\n\n\n<li>\u0160kodu vzniklou <strong>mezi vozidly jedn\u00e9 j\u00edzdn\u00ed soupravy<\/strong> (nap\u0159. mezi automobilem<br>a p\u0159\u00edv\u011bsem)<\/li>\n\n\n\n<li>\u00dajmu a \u0161kodu zp\u016fsoben\u00e9 <strong>mezi \u010dleny jedn\u00e9 dom\u00e1cnosti<\/strong><\/li>\n\n\n\n<li>\u0160kody vznikl\u00e9 p\u0159i <strong>motoristick\u00fdch z\u00e1vodech nebo sout\u011b\u017e\u00edch<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Poji\u0161\u0165ovny pak vymezuj\u00ed dal\u0161\u00ed v\u00fdluky z povinn\u00e9ho ru\u010den\u00ed. V t\u011bchto situac\u00edch<strong> po\u0161kozen\u00e9mu pln\u011bn\u00ed vyplat\u00ed<\/strong>, ale budou uplat\u0148ovat regresn\u00ed n\u00e1rok &#8211; tedy budou <strong>vym\u00e1hat<\/strong> n\u00e1hradu \u0161kody po <strong>vin\u00edkovi dopravn\u00ed nehody<\/strong>. Tak\u0159ka univerz\u00e1ln\u011b se v t\u011bchto v\u00fdluk\u00e1ch objevuje:<\/p>\n\n\n\n<ul>\n<li>\u0160koda <strong>vznikl\u00e1 \u00famysln\u011b<\/strong><\/li>\n\n\n\n<li>\u0160koda vznikl\u00e1 <strong>neopr\u00e1vn\u011bn\u00fdm u\u017eit\u00edm vozidla<\/strong> (nap\u0159. nedovolen\u00fdm vyp\u016fj\u010den\u00edm)<\/li>\n\n\n\n<li>\u0160koda v d\u016fsledku <strong>poru\u0161en\u00ed z\u00e1kladn\u00edch povinnost\u00ed<\/strong> dle z\u00e1kona o silni\u010dn\u00edm provozu &#8211; \u0159\u00edzen\u00ed vozidla bez <a href=\"https:\/\/www.rixo.cz\/blog\/jizda-bez-ridicskeho-opravneni-co-vam-hrozi\/\"><strong>p\u0159\u00edslu\u0161n\u00e9ho \u0159idi\u010dsk\u00e9ho opr\u00e1vn\u011bn\u00ed<\/strong><\/a>; \u0159\u00edzen\u00ed pod <a href=\"https:\/\/www.rixo.cz\/blog\/tolerance-alkoholu-v-cr\/\"><strong>vlivem alkoholu<\/strong><\/a><strong> nebo n\u00e1vykov\u00fdch l\u00e1tek<\/strong>, p\u0159\u00edpadn\u011b l\u00e9\u010diva ovliv\u0148uj\u00edc\u00ed schopnost \u0159\u00eddit vozidlo; j\u00edzda s vozidlem <strong>technicky nezp\u016fsobil\u00fdm<\/strong> k provozu)<\/li>\n\n\n\n<li>\u0160kodn\u00ed ud\u00e1lost, p\u0159i n\u00ed\u017e <strong>nebyla spln\u011bna povinnost seps\u00e1n\u00ed <\/strong><a href=\"https:\/\/www.rixo.cz\/blog\/zaznam-o-dopravni-nehode-formular\/\"><strong>z\u00e1znamu o nehod\u011b<\/strong><\/a><strong> <\/strong>nebo <strong>ozn\u00e1men\u00ed nehody policii<\/strong><\/li>\n\n\n\n<li>\u0160koda zp\u016fsoben\u00e1 \u0159idi\u010dem, kter\u00fd <strong>odm\u00edtl podstoupit <\/strong>test pro <strong>zji\u0161t\u011bn\u00ed alkoholu<\/strong> nebo <strong>omamn\u00fdch a psychotropn\u00edch l\u00e1tek<\/strong><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"havarijni-pojisteni\">Kdy v\u00e1s chr\u00e1n\u00ed havarijn\u00ed poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n<p>Na rozd\u00edl od povinn\u00e9ho ru\u010den\u00ed slou\u017e\u00ed havarijn\u00ed poji\u0161t\u011bn\u00ed k <strong>ochran\u011b vlastn\u00edho vozidla<\/strong>. Majitel auta se tak chr\u00e1n\u00ed <strong>proti \u0161kod\u00e1m zp\u016fsoben\u00fdm nehodou, kr\u00e1de\u017e\u00ed, \u017eivly<\/strong> nebo t\u0159eba <strong>vandalismem<\/strong>. Ani zde ale nejde o neomezenou pojistku \u201cna v\u0161echno\u201d. Ka\u017ed\u00e1 poji\u0161\u0165ovna m\u00e1 v podm\u00ednk\u00e1ch v\u00fd\u010det ud\u00e1lost\u00ed, na kter\u00e9 se poji\u0161t\u011bn\u00ed nevztahuje. Poj\u010fme si je dopodrobna rozebrat.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"prehled-jake-skody-havarijni-pojisteni-nezaplati\">P\u0159ehled: Jak\u00e9 \u0161kody havarijn\u00ed poji\u0161t\u011bn\u00ed nezaplat\u00ed?<\/h3>\n\n\n\n<p>Stejn\u011b jako u povinn\u00e9ho ru\u010den\u00ed plat\u00ed i pro <a href=\"https:\/\/www.rixo.cz\/havarijni-pojisteni\/\">havarijn\u00ed poji\u0161t\u011bn\u00ed<\/a>, \u017ee pojistn\u00e1 ochrana se nevztahuje na \u0161kody vznikl\u00e9 \u00famysln\u011b, p\u0159i \u0159\u00edzen\u00ed pod vlivem alkoholu nebo omamn\u00fdch a psychotropn\u00edch l\u00e1tek \u010di bez p\u0159\u00edslu\u0161n\u00e9ho \u0159idi\u010dsk\u00e9ho opr\u00e1vn\u011bn\u00ed. U havarijn\u00edho poji\u0161t\u011bn\u00ed se ale je\u0161t\u011b uplat\u0148uj\u00ed dal\u0161\u00ed v\u00fdluky pro:&nbsp;<\/p>\n\n\n\n<ul>\n<li>\u0160kody na <strong>z\u00e1vodn\u00edm okruhu a trat\u00edch<\/strong><\/li>\n\n\n\n<li>\u0160kody, k nim\u017e <strong>do\u0161lo mimo silni\u010dn\u00ed komunikace<\/strong><\/li>\n\n\n\n<li>\u0160kody<strong> na pohonn\u00fdch hmot\u00e1ch<\/strong> (v d\u016fsledku \u00faniku p\u0159i nehod\u011b, odcizen\u00ed apod.)<\/li>\n\n\n\n<li>\u0160kody vznikl\u00e9 p\u0159i <strong>oprav\u011b nebo \u00fadr\u017eb\u011b vozidla<\/strong><\/li>\n\n\n\n<li>\u0160kody v d\u016fsledku <strong>b\u011b\u017en\u00e9ho opot\u0159eben\u00ed a st\u00e1\u0159\u00ed<\/strong> vozidla, p\u0159\u00edpadn\u011b v\u00fdrobn\u00edch vad<\/li>\n\n\n\n<li>\u0160kody vznikl\u00e9 pou\u017e\u00edv\u00e1n\u00edm vozidla jako <strong>pracovn\u00edho n\u00e1stroje<\/strong> nebo k jin\u00e9mu \u00fa\u010delu<\/li>\n<\/ul>\n\n\n\n<p>Dal\u0161\u00ed v\u00fdluky se uplat\u0148uj\u00ed u <strong>jednotliv\u00fdch havarijn\u00edch rizik<\/strong>, jako jsou hav\u00e1rie, \u017eiveln\u00ed ud\u00e1losti, st\u0159et se zv\u011b\u0159\u00ed, po\u0161kozen\u00ed zaparkovan\u00e9ho auta zv\u00ed\u0159etem, vandalismus nebo odcizen\u00ed vozidla. Nezapom\u00ednejte ani na n\u011b &#8211; u poji\u0161t\u011bn\u00ed \u017eiveln\u00edch ud\u00e1lost\u00ed m\u016f\u017ee j\u00edt nap\u0159\u00edklad o odm\u00edtnut\u00ed pln\u011bn\u00ed p\u0159i vjet\u00ed do oblasti<strong> zasa\u017een\u00e9 z\u00e1plavou a povodn\u00ed<\/strong>, u <a href=\"https:\/\/www.rixo.cz\/blog\/kradez-auta-jak-postupovat-kdyz-vam-bylo-odcizeno-vozidlo\/\">odcizen\u00ed vozidla<\/a> zase nap\u0159\u00edklad <strong>nedostate\u010dn\u00e9 zabezpe\u010den\u00ed <\/strong>vozu p\u0159ed kr\u00e1de\u017e\u00ed. Nedodr\u017een\u00ed povinnost\u00ed, kter\u00e9 v\u00e1m ukl\u00e1d\u00e1 poji\u0161\u0165ovna, m\u016f\u017ee skon\u010dit <strong>odm\u00edtnut\u00edm pln\u011bn\u00ed<\/strong>, nebo v lep\u0161\u00edm p\u0159\u00edpad\u011b jeho <strong>kr\u00e1cen\u00edm<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" 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\/2025\/08\/man-photographing-his-vehicle-with-damages-accident-insurance-with-smart-phone-1-1.jpg\" alt=\"v\u00fdluky povinn\u00e9 ru\u010den\u00ed havarijn\u00ed poji\u0161t\u011bn\u00ed\" class=\"wp-image-3559\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/08\/man-photographing-his-vehicle-with-damages-accident-insurance-with-smart-phone-1-1.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/08\/man-photographing-his-vehicle-with-damages-accident-insurance-with-smart-phone-1-1-300x200.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/08\/man-photographing-his-vehicle-with-damages-accident-insurance-with-smart-phone-1-1-768x512.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/08\/man-photographing-his-vehicle-with-damages-accident-insurance-with-smart-phone-1-1-100x67.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/08\/man-photographing-his-vehicle-with-damages-accident-insurance-with-smart-phone-1-1-675x450.jpg 675w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"proc-je-znalost-vyluk-dulezita\">Pro\u010d je znalost v\u00fdluk d\u016fle\u017eit\u00e1?<\/h3>\n\n\n\n<p>Mnoho \u0159idi\u010d\u016f se setk\u00e1 s p\u0159ekvapivou informac\u00ed o v\u00fdluce a\u017e p\u0159i samotn\u00e9m \u0159e\u0161en\u00ed \u0161kody. Zvl\u00e1\u0161t\u011b u <strong>havarijn\u00edho poji\u0161t\u011bn\u00ed <\/strong>mohou b\u00fdt <strong>rozd\u00edly mezi podm\u00ednkami<\/strong> jednotliv\u00fdch poji\u0161\u0165oven v\u00fdrazn\u00e9. Proto je velmi d\u016fle\u017eit\u00e9 nejen \u010d\u00edst pojistn\u00e9 podm\u00ednky, ale tak\u00e9 je <strong>porovn\u00e1vat mezi sebou<\/strong>. Co jedna poji\u0161\u0165ovna vylu\u010duje, m\u016f\u017ee druh\u00e1 zahrnout do pojistn\u00e9ho kryt\u00ed nebo nab\u00eddnout formou p\u0159ipoji\u0161t\u011bn\u00ed, a to t\u0159eba i za v\u00fdhodn\u011bj\u0161\u00ed cenu.&nbsp;<\/p>\n\n\n\n<p>Jak na hled\u00e1n\u00ed toho nejlevn\u011bj\u0161\u00edho <a href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\"><strong>povinn\u00e9ho ru\u010den\u00ed<\/strong><\/a> a nejv\u00fdhodn\u011bj\u0161\u00edho <a href=\"https:\/\/www.rixo.cz\/havarijni-pojisteni\/\"><strong>havarijn\u00edho poji\u0161t\u011bn\u00ed<\/strong><\/a>? Sta\u010d\u00ed si srovnat nab\u00eddky poji\u0161t\u011bn\u00ed vozidel na <a href=\"http:\/\/rixo.cz\" target=\"_blank\" rel=\"noopener\">RIXO.cz<\/a> a my v\u00e1m najdeme tu nejlep\u0161\u00ed u\u017e za minutku!<\/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=\"450\" width=\"400\" frameborder=\"0\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/forms\/vehicle-insurance-form\/\"><\/iframe>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Mnoho \u0159idi\u010d\u016f m\u00e1 pocit, \u017ee jakmile si sjednaj\u00ed povinn\u00e9 ru\u010den\u00ed a k tomu t\u0159eba i havarijn\u00ed poji\u0161t\u011bn\u00ed, maj\u00ed vystar\u00e1no a p\u0159i jak\u00e9koli \u0161kod\u011b se sta\u010d\u00ed jen obr\u00e1tit na poji\u0161\u0165ovnu. Ve skute\u010dnosti se ale s poji\u0161t\u011bn\u00edm vozidel v\u00e1\u017ee \u0159ada v\u00fdluk. V\u00edte, jak\u00e9 v\u00fdluky m\u00e1te ve sv\u00e9m poji\u0161t\u011bn\u00ed?<\/p>\n","protected":false},"author":11,"featured_media":3558,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7],"tags":[17],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3556"}],"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=3556"}],"version-history":[{"count":3,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3556\/revisions"}],"predecessor-version":[{"id":3570,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3556\/revisions\/3570"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/3558"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=3556"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=3556"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=3556"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}