{"id":3687,"date":"2025-10-27T09:15:58","date_gmt":"2025-10-27T08:15:58","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=3687"},"modified":"2025-10-27T09:16:01","modified_gmt":"2025-10-27T08:16:01","slug":"vyplati-se-havarijni-pojisteni-pro-starsi-auto","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/vyplati-se-havarijni-pojisteni-pro-starsi-auto\/","title":{"rendered":"Vyplat\u00ed se havarijn\u00ed poji\u0161t\u011bn\u00ed pro star\u0161\u00ed auto?\u00a0"},"content":{"rendered":"\n

Havarijn\u00ed poji\u0161t\u011bn\u00ed pat\u0159\u00ed k t\u011bm typ\u016fm poji\u0161t\u011bn\u00ed, kter\u00e9 je sice dobr\u00e9 m\u00edt, ale nikdo ho po v\u00e1s nevy\u017eaduje jako povinn\u00e9 ru\u010den\u00ed \u2013 a pr\u00e1v\u011b proto se spousta \u0159idi\u010d\u016f pot\u00fdk\u00e1 s ot\u00e1zkou, jestli se jim v\u016fbec havarijko vyplat\u00ed, kdy\u017e nemaj\u00ed v gar\u00e1\u017ei auto lesknouc\u00ed se novotou, ale p\u00e1r let starou ojetinu. V na\u0161em \u010dl\u00e1nku v\u00e1m s rozhodov\u00e1n\u00edm pom\u016f\u017eeme. <\/p>\n\n\n\n

Zat\u00edmco u nov\u00fdch aut je sjedn\u00e1n\u00ed havarijn\u00edho poji\u0161t\u011bn\u00ed<\/a> tak\u0159ka samoz\u0159ejmost\u00ed, u vozidel star\u0161\u00edch p\u011bti, sedmi \u010di deseti let<\/strong> m\u016f\u017eete o v\u00fdhodnosti havarijka pochybovat. M\u00e1 to je\u0161t\u011b smysl? Odpov\u011b\u010f p\u0159itom z\u00e1vis\u00ed na \u0159ad\u011b faktor\u016f \u2013 nejen na hodnot\u011b auta, ale tak\u00e9 na zp\u016fsobu pou\u017e\u00edv\u00e1n\u00ed va\u0161eho auta, nebo t\u0159eba va\u0161\u00ed finan\u010dn\u00ed rezerv\u011b. <\/p>\n\n\n\n

Co vlastn\u011b havarijn\u00ed poji\u0161t\u011bn\u00ed kryje?<\/h2>\n\n\n\n

Zat\u00edmco povinn\u00e9 ru\u010den\u00ed<\/a> kryje \u0161kody, kter\u00e9 zp\u016fsob\u00edte vy n\u011bkomu jin\u00e9mu, havarijn\u00ed poji\u0161t\u011bn\u00ed <\/strong>naopak kryje \u0161kody na va\u0161em aut\u011b<\/strong>. A pr\u00e1v\u011b to je d\u016fvod, pro\u010d se u star\u0161\u00edch voz\u016f \u010dasto \u0159e\u0161\u00ed, zda m\u00e1 cenu ho platit: se st\u00e1\u0159\u00edm auta toti\u017e kles\u00e1 jeho tr\u017en\u00ed hodnota<\/strong>, a t\u00edm i pln\u011bn\u00ed od poji\u0161\u0165ovny.<\/p>\n\n\n\n

P\u0159ed jak\u00fdmi riziky v\u00e1s havarijko chr\u00e1n\u00ed? Havarijn\u00ed poji\u0161t\u011bn\u00ed chr\u00e1n\u00ed va\u0161e auto p\u0159ed \u0161kodami, kter\u00e9 si zp\u016fsob\u00edte sami<\/strong>, p\u0159\u00edpadn\u011b \u0161kody zp\u016fsoben\u00e9 vy\u0161\u0161\u00ed moc\u00ed<\/strong> nebo t\u0159eba nezn\u00e1m\u00fdm \u0159idi\u010dem<\/strong>. Kryje tak p\u0159edev\u0161\u00edm \u0161kody zp\u016fsoben\u00e9 hav\u00e1ri\u00ed, st\u0159etem se zv\u011b\u0159\u00ed, \u017eiveln\u00edmi ud\u00e1lostmi, vandalismem nebo kr\u00e1de\u017e\u00ed vozidla<\/strong>. P\u0159ipojistit si m\u016f\u017eete i dal\u0161\u00ed d\u00edl\u010d\u00ed rizika<\/strong> – poji\u0161t\u011bn\u00ed skel<\/strong>, zavazadel<\/strong> nebo t\u0159eba kol a pneumatik<\/strong>. <\/p>\n\n\n\n

Havarijko v\u00e1m pom\u016f\u017ee v p\u0159\u00edpad\u011b, \u017ee si \u0161kody na aut\u011b zp\u016fsob\u00edte vlastn\u00edm zavin\u011bn\u00edm<\/strong>, ale i v situaci, kdy je vin\u00edkem jin\u00e1 osoba, ale neda\u0159\u00ed se ji vyp\u00e1trat <\/strong>a \u017e\u00e1dat tak o pln\u011bn\u00ed z jej\u00edho povinn\u00e9ho ru\u010den\u00ed. A samoz\u0159ejm\u011b tak\u00e9 v r\u00e1mci poji\u0161t\u011bn\u00ed \u017eivl\u016f pokryje \u0161kody, za kter\u00e9 nem\u016f\u017ee \u017e\u00e1dn\u00fd \u010dlov\u011bk, ale p\u0159\u00edrodn\u00ed s\u00edly. Naopak s pln\u011bn\u00edm z havarijn\u00edho poji\u0161t\u011bn\u00ed<\/strong> nem\u016f\u017eete po\u010d\u00edtat<\/strong> t\u0159eba ve chv\u00edli, kdy se va\u0161e auto porouch\u00e1 <\/strong>t\u0159eba kv\u016fli b\u011b\u017en\u00e9mu opot\u0159eben\u00ed<\/strong>.  <\/p>\n\n\n\n

Jak na rozhodov\u00e1n\u00ed, zda se havarijn\u00ed poji\u0161t\u011bn\u00ed vyplat\u00ed? <\/h2>\n\n\n\n

M\u011bli byste si sjednat havarijko pro sv\u00e9 star\u0161\u00ed auto? Napov\u011bd\u011bt v\u00e1m m\u016f\u017ee z\u016fstatkov\u00e1 tr\u017en\u00ed hodnota auta<\/strong>. Z havarijn\u00edho poji\u0161t\u011bn\u00ed v\u00e1m poji\u0161\u0165ovna m\u016f\u017ee vyplatit pln\u011bn\u00ed a\u017e do v\u00e1mi sjednan\u00e9ho limitu<\/strong>, ale v\u017edy vypo\u010d\u00edt\u00e1 odpov\u00eddaj\u00edc\u00ed \u010d\u00e1stku<\/strong> na z\u00e1klad\u011b aktu\u00e1ln\u00ed hodnoty vozidla v dob\u011b \u0161kody<\/strong> – a nehraje roli, na kolik si sv\u00e9ho auta cen\u00edte vy. Po letech pou\u017e\u00edv\u00e1n\u00ed auta tedy nen\u00ed relevantn\u00ed, jestli jste koupili sv\u016fj v\u016fz za milion nebo 300 tis\u00edc korun, z\u00e1le\u017e\u00ed na tom, za kolik se srovnateln\u00e1 auta v tuto chv\u00edli prod\u00e1vaj\u00ed<\/strong>.<\/p>\n\n\n\n

A jak na zji\u0161t\u011bn\u00ed aktu\u00e1ln\u00ed hodnoty va\u0161eho auta? Pomohou v\u00e1m t\u0159eba bazarov\u00e9 nab\u00eddky na internetov\u00fdch port\u00e1lech<\/strong> – podle zna\u010dky a modelu auta, roku v\u00fdroby, v\u00fdbavy a motorizace, technick\u00e9ho stavu, historie a stavu tachometru dok\u00e1\u017eete pom\u011brn\u011b dob\u0159e a spolehliv\u011b zjistit, jakou m\u00e1 v t\u00e9to chv\u00edli va\u0161e vozidlo tr\u017en\u00ed hodnotu. <\/p>\n\n\n\n

A te\u010f p\u0159ich\u00e1z\u00ed dal\u0161\u00ed dilema: p\u0159i jak\u00e9 tr\u017en\u00ed hodnot\u011b auta je sjedn\u00e1n\u00ed havarijn\u00edho poji\u0161t\u011bn\u00ed vhodn\u00e9? Obecn\u011b v\u00e1m m\u016f\u017eeme doporu\u010dit sjedn\u00e1n\u00ed havarijka, pokud je hodnota auta vy\u0161\u0161\u00ed ne\u017e 150 000 K\u010d<\/strong> a tot\u00e1ln\u00ed \u0161koda <\/strong>na vozidle by pro v\u00e1s p\u0159edstavovala velkou finan\u010dn\u00ed ztr\u00e1tu<\/strong>. Pokud toti\u017e pot\u0159ebujete auto ka\u017edodenn\u011b vyu\u017e\u00edvat, ne\u010dekan\u011b o n\u011bj p\u0159ijdete (a\u0165 u\u017e z d\u016fvodu zavin\u011bn\u00e9 boura\u010dky, zatopen\u00ed nebo t\u0159eba kr\u00e1de\u017ee) a budete si pot\u0159ebovat koupit nov\u00e9 auto, nepom\u016f\u017ee v\u00e1m s \u00fahradou koup\u011b<\/strong> krom\u011b poji\u0161\u0165ovny nikdo jin\u00fd. Pokud tyto n\u00e1klady m\u016f\u017eete vz\u00edt na sebe a nezp\u016fsob\u00ed v\u00e1m \u017e\u00e1dn\u00e9 pot\u00ed\u017ee v r\u00e1mci rodinn\u00e9ho rozpo\u010dtu, na havarijko myslet nemus\u00edte. P\u0159iznejme si ale, \u017ee v takov\u00e9 situaci je jen mal\u00e1 \u010d\u00e1st \u0159idi\u010d\u016f. <\/p>\n\n\n\n

Pot\u0159ebuje va\u0161e auto komplexn\u00ed havarijn\u00ed poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n

Faktor\u016f, kter\u00e9 mohou ovliv\u0148ovat vhodnost sjedn\u00e1n\u00ed havarijn\u00edho poji\u0161t\u011bn\u00ed, je v\u00edce. Hod\u00ed se br\u00e1t v \u00favahu i v\u00fd\u0161i pojistn\u00e9ho<\/strong> – pokud ro\u010dn\u00ed pojistn\u00e9 za havarijn\u00ed poji\u0161t\u011bn\u00ed <\/strong>p\u0159esahuje 10 a v\u00edce procent z hodnoty auta<\/strong>, nemus\u00ed b\u00fdt rozumn\u00e9 sjedn\u00e1vat komplexn\u00ed havarijn\u00ed poji\u0161t\u011bn\u00ed, ale t\u0159eba jen \u010d\u00e1ste\u010dn\u00e9 havarijko. Nemus\u00edte v\u017edy sjedn\u00e1vat poji\u0161t\u011bn\u00ed ve variant\u011b all risk<\/strong><\/a>, ale jen si navolit re\u00e1ln\u011b hroz\u00edc\u00ed rizika<\/strong>. <\/p>\n\n\n\n

Jak na v\u00fdb\u011br rizik? Zeptejte se sami sebe na p\u00e1r ot\u00e1zek. Parkujete na ulici<\/strong>? Hodit se v\u00e1m bude poji\u0161t\u011bn\u00ed kr\u00e1de\u017ee, vandalismu a \u017eiveln\u00edch ud\u00e1lost\u00ed<\/strong>. \u010casto vyr\u00e1\u017e\u00edte na spanil\u00e9 j\u00edzdy po okresk\u00e1ch mimo m\u011bsto<\/strong>? M\u016f\u017ee se hodit poji\u0161t\u011bn\u00ed st\u0159etu se zv\u011b\u0159\u00ed a hav\u00e1rie<\/strong>. A kdy\u017e auto m\u00e1te v\u011bt\u0161inu \u010dasu \u201czakonzervovan\u00e9\u201d v gar\u00e1\u017ei <\/strong>jako sb\u011bratelsk\u00fd kousek<\/strong>, mo\u017en\u00e1 dojdete i k z\u00e1v\u011bru, \u017ee krom\u011b poji\u0161t\u011bn\u00ed odcizen\u00ed vozidla<\/strong> v\u016fbec havarijn\u00ed pojistku nepot\u0159ebujete.<\/p>\n\n\n\n

\"havarijn\u00ed<\/figure>\n\n\n\n

Kolik stoj\u00ed havarijn\u00ed poji\u0161t\u011bn\u00ed pro star\u0161\u00ed auto?<\/h2>\n\n\n\n

Havarijn\u00ed poji\u0161t\u011bn\u00ed ve variant\u011b all risk u star\u0161\u00edch aut s hodnotou kolem 350 000 K\u010d<\/strong> v\u00e1s m\u016f\u017ee se zapo\u010d\u00edtan\u00fdmi bonusy vyj\u00edt na 6-8 000 K\u010d.<\/strong> Zd\u00e1 se v\u00e1m to podez\u0159ele levn\u00e9? Uk\u00e1\u017eeme v\u00e1m re\u00e1ln\u00e9 nab\u00eddky havarijn\u00edho poji\u0161t\u011bn\u00ed na p\u0159\u00edkladu vozidla \u0160koda Octavia 1.4 TSI vyroben\u00e9 v roce 2018 s celkov\u00fdm n\u00e1jezdem 90 000 km, kter\u00e9 m\u00e1 po 7 letech provozu tr\u017en\u00ed hodnotu 350 000 K\u010d. <\/p>\n\n\n\n

<\/td>\u010cesk\u00e1 podnikatelsk\u00e1 poji\u0161\u0165ovna<\/strong><\/td>Pillow<\/strong><\/td>Generali \u010cesk\u00e1 poji\u0161\u0165ovna<\/strong><\/td>Poji\u0161\u0165ovna VZP<\/strong><\/td><\/tr>
Havarijn\u00ed poji\u0161t\u011bn\u00ed<\/td>Pln\u00e9 havarijn\u00ed do limitu 350 000 K\u010d<\/td>Pln\u00e9 havarijn\u00ed do limitu 350 000 K\u010d<\/td>Pln\u00e9 havarijn\u00ed do limitu 350 000 K\u010d<\/td>Pln\u00e9 havarijn\u00ed do limitu 350 000 K\u010d<\/td><\/tr>
Asistence<\/td>Z\u00e1kladn\u00ed<\/td>Z\u00e1kladn\u00ed<\/td>Z\u00e1kladn\u00ed <\/td>Z\u00e1kladn\u00ed<\/td><\/tr>
Spolu\u00fa\u010dast<\/td>10 procent, min. 10 000 K\u010d<\/td>10 000 K\u010d<\/td>10 procent, min. 10 000 K\u010d<\/td>10 000<\/td><\/tr>
Ro\u010dn\u00ed pojistn\u00e9<\/td>6 008 K\u010d<\/strong><\/td>6 648 K\u010d<\/strong><\/td>6 992 K\u010d<\/strong><\/td>7 399 K\u010d<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

A co vozidlo, kter\u00e9 m\u00e1 hodnotu pod 200 000 K\u010d<\/strong>, p\u0159esto byste ho r\u00e1di pojistili proti v\u0161em hroz\u00edc\u00edm nebezpe\u010d\u00edm? Za samotn\u00e9 havarijko b\u011b\u017en\u011b nemus\u00edte d\u00e1t <\/strong>v\u00edc ne\u017e 5 000 K\u010d<\/strong>. V druh\u00e9m p\u0159\u00edkladu n\u00e1m jako modelov\u00e9 vozidlo poslou\u017e\u00ed \u0160koda Fabia 1.2 TSI vyroben\u00e1 v roce 2016 s celkov\u00fdm n\u00e1jezdem 130 000 K\u010d, kter\u00e1 m\u00e1 po 9 letech provozu tr\u017en\u00ed hodnotu kolem 170 000 K\u010d. <\/p>\n\n\n\n

<\/td>\u010cesk\u00e1 podnikatelsk\u00e1 poji\u0161\u0165ovna<\/strong><\/td>Poji\u0161\u0165ovna VZP<\/strong><\/td>Pillow<\/strong><\/td>Generali \u010cesk\u00e1 poji\u0161\u0165ovna<\/strong><\/td><\/tr>
Havarijn\u00ed poji\u0161t\u011bn\u00ed<\/td>Pln\u00e9 havarijn\u00ed do limitu 170 000 K\u010d<\/td>Pln\u00e9 havarijn\u00ed do limitu 170 000 K\u010d<\/td>Pln\u00e9 havarijn\u00ed do limitu 170 000 K\u010d<\/td>Pln\u00e9 havarijn\u00ed do limitu 170 000 K\u010d<\/td><\/tr>
Asistence<\/td>Z\u00e1kladn\u00ed<\/td>Z\u00e1kladn\u00ed<\/td>Z\u00e1kladn\u00ed <\/td>Z\u00e1kladn\u00ed<\/td><\/tr>
Spolu\u00fa\u010dast<\/td>5 procent, min. 5 000 K\u010d<\/td>5 000 K\u010d<\/td>5 000 K\u010d<\/td>5 procent, min. 5 000 K\u010d<\/td><\/tr>
Ro\u010dn\u00ed pojistn\u00e9<\/td>3 761 K\u010d<\/strong><\/td>4 301 K\u010d<\/strong><\/td>4 500 K\u010d<\/strong><\/td>4 921 K\u010d<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Chcete zjistit, kolik by st\u00e1lo havarijn\u00ed poji\u0161t\u011bn\u00ed pro va\u0161eho plechov\u00e9ho mil\u00e1\u010dka<\/strong>? A\u0165 u\u017e m\u00e1te z\u00e1jem o komplexn\u00ed havarijn\u00ed poji\u0161t\u011bn\u00ed nebo v\u00e1s zaj\u00edm\u00e1 jen poji\u0161t\u011bn\u00ed n\u011bkter\u00fdch rizik, srovnejte si nab\u00eddky od cel\u00e9 \u0159ady poji\u0161\u0165oven na RIXO.cz<\/a> a m\u016f\u017eete si nastavit pojistku p\u0159esn\u011b podle sv\u00fdch p\u0159edstav. Poj\u010fte na to, zabere v\u00e1m to jen minutku!<\/p>\n\n\n\n

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