{"id":3949,"date":"2026-03-05T10:14:21","date_gmt":"2026-03-05T09:14:21","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=3949"},"modified":"2026-03-05T10:20:23","modified_gmt":"2026-03-05T09:20:23","slug":"havarijni-pojisteni-pojisteni-havarie","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/havarijni-pojisteni-pojisteni-havarie\/","title":{"rendered":"Havarijn\u00ed poji\u0161t\u011bn\u00ed vs. poji\u0161t\u011bn\u00ed hav\u00e1rie: V\u00edte, co m\u00e1te skute\u010dn\u011b poji\u0161t\u011bn\u00e9?"},"content":{"rendered":"\n<p>Jakmile p\u0159ijde \u0159e\u010d na havarijn\u00ed poji\u0161t\u011bn\u00ed, pravd\u011bpodobn\u011b se v\u00e1m jako prvn\u00ed vybav\u00ed boura\u010dka. A poji\u0161t\u011bn\u00ed hav\u00e1rie obvykle m\u00e1te v havarijn\u00edm poji\u0161t\u011bn\u00ed kryt\u00e9, ale nemus\u00ed to tak b\u00fdt v\u017edy. Nenechte se zm\u00e1st a ud\u011blejte si s n\u00e1mi p\u0159ehled v tom, co je co.&nbsp;&nbsp;&nbsp;<\/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=\"#co-zahrnuje-havarijni-pojisteni\">Co zahrnuje havarijn\u00ed poji\u0161t\u011bn\u00ed?<\/a><\/li><li class=\"\"><a href=\"#co-je-pojistne-riziko-havarie-a-co-kryje\">Co je pojistn\u00e9 riziko hav\u00e1rie a co kryje?<\/a><\/li><li class=\"\"><a href=\"#co-pojisteni-havarie-nekryje\">Co poji\u0161t\u011bn\u00ed hav\u00e1rie nekryje?<\/a><\/li><li class=\"\"><a href=\"#jaka-je-cena-pojisteni-havarie\">Jak\u00e1 je cena poji\u0161t\u011bn\u00ed hav\u00e1rie?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>Havarijn\u00ed poji\u0161t\u011bn\u00ed je soubor r\u016fzn\u00fdch pojistn\u00fdch rizik, kter\u00e1 si lze sjednat v r\u016fzn\u00fdch kombinac\u00edch, a samotn\u00e9 riziko hav\u00e1rie nemus\u00ed b\u00fdt v\u017edy automatickou sou\u010d\u00e1st\u00ed smlouvy. Pokud nev\u00edte, co p\u0159esn\u011b m\u00e1te ve smlouv\u011b uvedeno, m\u016f\u017eete b\u00fdt p\u0159i \u0161kod\u011b nep\u0159\u00edjemn\u011b p\u0159ekvapeni.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-zahrnuje-havarijni-pojisteni\">Co zahrnuje havarijn\u00ed poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n<p>Havarijn\u00ed poji\u0161t\u011bn\u00ed p\u0159edstavuje voliteln\u00e9 poji\u0161t\u011bn\u00ed, kter\u00e9 kryje \u0161kody na va\u0161em vlastn\u00edm vozidle. Na rozd\u00edl od <a href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\">povinn\u00e9ho ru\u010den\u00ed<\/a>, kter\u00e9 si mus\u00ed sjednat ka\u017ed\u00fd provozovatel vozidla a kryje \u0161kodu na majetku a \u00fajmu na zdrav\u00ed zp\u016fsobenou p\u0159i provozu vozidla t\u0159et\u00edm osob\u00e1m, <a href=\"https:\/\/www.rixo.cz\/havarijni-pojisteni\/\">havarijn\u00ed poji\u0161t\u011bn\u00ed<\/a> se t\u00fdk\u00e1 majetku samotn\u00e9ho poji\u0161t\u011bn\u00e9ho.&nbsp;<\/p>\n\n\n\n<p>Havarijn\u00ed poji\u0161t\u011bn\u00ed nem\u00e1 jasn\u011b vymezen\u00fd \u201cstandardn\u00ed obsah\u201d pojistn\u00fdch nebezpe\u010d\u00ed a ka\u017ed\u00e1 poji\u0161\u0165ovna tak m\u016f\u017ee pod ozna\u010den\u00edm<strong> havarijn\u00ed poji\u0161t\u011bn\u00ed nab\u00edzet odli\u0161n\u00e9 bal\u00ed\u010dky <\/strong>a <strong>kombinace rizik<\/strong>. Z\u00e1kladn\u00edm principem je poji\u0161t\u011bn\u00ed vybran\u00fdch nahodil\u00fdch ud\u00e1lost\u00ed, kter\u00e9 mohou zp\u016fsobit po\u0161kozen\u00ed a zni\u010den\u00ed nebo kr\u00e1de\u017e vozidla. <\/p>\n\n\n\n<p>Shoda panuje na tom, \u017ee <strong>kompletn\u00ed<\/strong> havarijn\u00ed poji\u0161t\u011bn\u00ed obsahuje rizika<strong> \u017eivlu, hav\u00e1rie, kr\u00e1de\u017ee a vandalismu<\/strong>. Ne v\u017edy ale kompletn\u00ed tzv. <a href=\"https:\/\/www.rixo.cz\/blog\/havarijni-pojisteni-all-risk\/\"><strong>all risk havarijn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/a> skute\u010dn\u011b sjedn\u00e1v\u00e1te &#8211; obsahovat m\u016f\u017ee t\u0159eba jen dv\u011b ze \u010dty\u0159 vyjmenovan\u00fdch rizik. Co skute\u010dn\u011b havarijko obsahuje, se v\u017edy dozv\u00edte <strong>v samotn\u00e9 smlouv\u011b <\/strong>nebo<strong> detailu p\u0159edkl\u00e1dan\u00e9 nab\u00eddky<\/strong>.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"784\" 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\/2026\/03\/HAVblog-1024x784.png\" alt=\"hav\u00e1rie a havarijn\u00ed poji\u0161t\u011bn\u00ed RIXO.cz\" class=\"wp-image-3958\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/03\/HAVblog-1024x784.png 1024w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/03\/HAVblog-300x230.png 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/03\/HAVblog-768x588.png 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/03\/HAVblog-100x77.png 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/03\/HAVblog-588x450.png 588w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/03\/HAVblog.png 1100w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">P\u0159ehled rizik ve srovn\u00e1n\u00ed na RIXO.cz<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-je-pojistne-riziko-havarie-a-co-kryje\">Co je pojistn\u00e9 riziko hav\u00e1rie a co kryje?<\/h2>\n\n\n\n<p><strong>Poji\u0161t\u011bn\u00ed hav\u00e1rie<\/strong> je d\u00edl\u010d\u00ed poji\u0161t\u011bn\u00ed havarijn\u00edho poji\u0161t\u011bn\u00ed nebo m\u016f\u017ee b\u00fdt i sjedn\u00e1no jako <strong>p\u0159ipoji\u0161t\u011bn\u00ed<\/strong> k povinn\u00e9mu ru\u010den\u00ed. V obou p\u0159\u00edpadech plat\u00ed, \u017ee poji\u0161t\u011bn\u00ed hav\u00e1rie slou\u017e\u00ed k <strong>\u00fahrad\u011b \u0161kod na va\u0161em vozidle<\/strong> z d\u016fvodu v\u00e1mi <strong>zavin\u011bn\u00e9 dopravn\u00ed nehody<\/strong> &#8211; \u0161kody v r\u00e1mci v\u00e1mi nezavin\u011bn\u00e9 dopravn\u00ed nehody toti\u017e v\u017edy kryje <a href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\">povinn\u00e9 ru\u010den\u00ed<\/a> vin\u00edka.&nbsp;<\/p>\n\n\n\n<p>Prakticky poji\u0161t\u011bn\u00ed hav\u00e1rie vyu\u017eijete p\u0159i <strong>st\u0159etu<\/strong> s jin\u00fdm vozidlem, <strong>n\u00e1razu <\/strong>do p\u0159ek\u00e1\u017eky,<strong> vyjet\u00ed <\/strong>ze silnice, <strong>p\u0159evr\u00e1cen\u00ed <\/strong>vozidla nebo <strong>po\u0161kozen\u00ed p\u0159i parkov\u00e1n\u00ed<\/strong> v d\u016fsledku vlastn\u00edho zavin\u011bn\u00ed. U n\u011bkter\u00fdch poji\u0161\u0165oven je tak\u00e9 v tomto p\u0159ipoji\u0161t\u011bn\u00ed<strong> obsa\u017eena <\/strong><a href=\"https:\/\/www.rixo.cz\/blog\/srazka-se-zveri-jak-postupovat\/\"><strong>sr\u00e1\u017eka se zv\u011b\u0159\u00ed<\/strong><\/a>, jinde se zase sjedn\u00e1v\u00e1 jako <strong>samostatn\u00e9 riziko<\/strong>. Samoz\u0159ejmost\u00ed je kryt\u00ed \u0161kod, kter\u00e9 se stanou jak v <strong>\u010cesk\u00e9 republice<\/strong>, tak i po <strong>cel\u00e9 Evrop\u011b<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-pojisteni-havarie-nekryje\">Co poji\u0161t\u011bn\u00ed hav\u00e1rie nekryje?<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed hav\u00e1rie v\u00e1m ov\u0161em nepokryje ve\u0161ker\u00e9 \u0161kody p\u0159i jak\u00e9koliv boura\u010dce &#8211; nem\u011blo by v\u00e1s p\u0159ekvapit, \u017ee jsou z pln\u011bn\u00ed vylou\u010deny pojistn\u00e9 ud\u00e1losti vznikl\u00e9 nap\u0159\u00edklad \u00famysln\u00fdm jedn\u00e1n\u00edm, pod vlivem alkoholu, drog \u010di ur\u010dit\u00fdch l\u00e9k\u016f, <strong>v\u00fdrobn\u00edmi a konstruk\u010dn\u00edmi vadami <\/strong>\u010di <strong>b\u011b\u017en\u00fdm opot\u0159eben\u00edm<\/strong>. <\/p>\n\n\n\n<p>Standardn\u011b se ani p\u0159i \u201coby\u010dejn\u00e9\u201d boura\u010dce nekryj\u00ed \u0161kody na <strong>pneumatik\u00e1ch<\/strong> &#8211; poji\u0161t\u011bn\u00ed pneumatik se toti\u017e sjedn\u00e1v\u00e1 zvl\u00e1\u0161\u0165. Stejn\u011b tak ani se nedo\u010dk\u00e1te ani n\u00e1hrady za vytekl\u00e9 provozn\u00ed kapaliny a pohonn\u00e9 hmoty, p\u0159\u00edpadn\u011b po\u0161kozen\u00fd a zni\u010den\u00fd n\u00e1klad.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"563\" 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\/2026\/03\/pexels-mikebirdy-5351114-1-1-1-edited.jpg\" alt=\"havarijn\u00ed poji\u0161t\u011bn\u00ed poji\u0161t\u011bn\u00ed hav\u00e1rie\" class=\"wp-image-3953\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/03\/pexels-mikebirdy-5351114-1-1-1-edited.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/03\/pexels-mikebirdy-5351114-1-1-1-edited-300x169.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/03\/pexels-mikebirdy-5351114-1-1-1-edited-768x432.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/03\/pexels-mikebirdy-5351114-1-1-1-edited-100x56.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/03\/pexels-mikebirdy-5351114-1-1-1-edited-700x394.jpg 700w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jaka-je-cena-pojisteni-havarie\">Jak\u00e1 je cena poji\u0161t\u011bn\u00ed hav\u00e1rie?<\/h2>\n\n\n\n<p>Vzhledem k tomu, \u017ee dopravn\u00ed nehody jsou <strong>nej\u010dast\u011bj\u0161\u00ed p\u0159\u00ed\u010dinou \u0161kod <\/strong>na vozidlech, je poji\u0161t\u011bn\u00ed hav\u00e1rie <strong>nejdra\u017e\u0161\u00ed sou\u010d\u00e1st\u00ed<\/strong> <strong>havarijn\u00edho poji\u0161t\u011bn\u00ed<\/strong> &#8211; pokud je v\u00e1m p\u0159edkl\u00e1d\u00e1na podez\u0159ele levn\u00e1 nab\u00eddka havarijka, pe\u010dliv\u011b si zkontrolujte, jestli poji\u0161t\u011bn\u00ed hav\u00e1rie skute\u010dn\u011b obsahuje. <br><br>Cena poji\u0161t\u011bn\u00ed hav\u00e1rie nicm\u00e9n\u011b stejn\u011b jako u povinn\u00e9ho ru\u010den\u00ed v\u017edy z\u00e1vis\u00ed na <strong>va\u0161em v\u011bku<\/strong>, <strong>bydli\u0161ti<\/strong>, <strong>bonusech a malusech<\/strong>, <strong>zna\u010dce a modelu<\/strong> vozidla a tak\u00e9 na<strong> limitu pln\u011bn\u00ed<\/strong>, kter\u00fd by m\u011bl odpov\u00eddat aktu\u00e1ln\u00ed hodnot\u011b va\u0161eho vozidla. Nap\u0159\u00edklad pro vozidlo Ford Focus v\u00e1s jen poji\u0161t\u011bn\u00ed hav\u00e1rie s limitem pln\u011bn\u00ed 200 000 K\u010d vyjde na necel\u00fdch 5 000 K\u010d ro\u010dn\u011b. To ale po\u0159\u00e1d za klid v du\u0161i stoj\u00ed, \u017ee ano?\u00a0<\/p>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed rizika hav\u00e1rie tak\u00e9 zpravidla obsahuje <strong>spolu\u00fa\u010dast<\/strong>, tedy sjednanou \u010d\u00e1stku, kterou se na \u0161kod\u011b finan\u010dn\u011b budete pod\u00edlet vy. Plat\u00ed, \u017ee \u010d\u00edm vy\u0161\u0161\u00ed je spolu\u00fa\u010dast, t\u00edm ni\u017e\u0161\u00ed je v\u00fdsledn\u00e9 pojistn\u00e9, standardn\u011b jde o <strong>\u010d\u00e1stku ve v\u00fd\u0161i 5 000 K\u010d<\/strong>. P\u0159i v\u00fdb\u011bru poji\u0161t\u011bn\u00ed se zam\u011b\u0159te na to, aby spolu\u00fa\u010dast byla stanoven\u00e1 fixn\u011b, a ne procenty &#8211; p\u0159i v\u011bt\u0161\u00ed \u0161kod\u011b byste se zbyte\u010dn\u011b ochudili o pen\u00edze.&nbsp;<\/p>\n\n\n\n<p>Zaj\u00edm\u00e1 v\u00e1s, na kolik by v\u00e1s vy\u0161lo samotn\u00e9 <strong>poji\u0161t\u011bn\u00ed hav\u00e1rie<\/strong> nebo rovnou <strong>komplexn\u00ed havarijko<\/strong>? Srovnejte si nab\u00eddky poji\u0161t\u011bn\u00ed na <a href=\"http:\/\/rixo.cz\" target=\"_blank\" rel=\"noopener\">RIXO.cz<\/a> a za minutku m\u00e1te jasno. Ve srovn\u00e1n\u00ed nab\u00eddek si m\u016f\u017eete nastavit rizika p\u0159esn\u011b podle vlastn\u00edch p\u0159edstav a v detailn\u00edmu p\u0159ehledu v\u00e1m v\u017edy uk\u00e1\u017eeme, jak\u00e1 poji\u0161t\u011bn\u00ed jsou sou\u010d\u00e1st\u00ed ka\u017ed\u00e9 nab\u00eddky &#8211; \u017e\u00e1dn\u00e9 p\u0159ekvapen\u00ed v\u00e1m tady nehroz\u00ed!<\/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>Jakmile p\u0159ijde \u0159e\u010d na havarijn\u00ed poji\u0161t\u011bn\u00ed, pravd\u011bpodobn\u011b se v\u00e1m jako prvn\u00ed vybav\u00ed boura\u010dka. A poji\u0161t\u011bn\u00ed hav\u00e1rie obvykle m\u00e1te v havarijn\u00edm poji\u0161t\u011bn\u00ed kryt\u00e9, ale nemus\u00ed to tak b\u00fdt v\u017edy. Nenechte se zm\u00e1st a ud\u011blejte si s n\u00e1mi p\u0159ehled v tom, co je co.\u00a0\u00a0\u00a0<\/p>\n","protected":false},"author":11,"featured_media":3951,"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\/3949"}],"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=3949"}],"version-history":[{"count":5,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3949\/revisions"}],"predecessor-version":[{"id":3961,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3949\/revisions\/3961"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/3951"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=3949"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=3949"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=3949"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}