{"id":4040,"date":"2026-04-27T13:19:45","date_gmt":"2026-04-27T11:19:45","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=4040"},"modified":"2026-04-27T13:21:18","modified_gmt":"2026-04-27T11:21:18","slug":"jak-vybrat-povinne-ruceni","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/jak-vybrat-povinne-ruceni\/","title":{"rendered":"Jak vybrat povinn\u00e9 ru\u010den\u00ed v roce 2026"},"content":{"rendered":"\n<p>Povinn\u00e9 ru\u010den\u00ed pat\u0159\u00ed mezi nutn\u00e9 v\u00fddaje ka\u017ed\u00e9ho majitele auta. P\u0159esto ho mnoho \u0159idi\u010d\u016f \u0159e\u0161\u00ed sp\u00ed\u0161 automaticky ne\u017e v\u011bdom\u011b \u2013 smlouva se prodlu\u017euje, pojistn\u00e9 se zaplat\u00ed a t\u00edm to kon\u010d\u00ed. Jen\u017ee rozd\u00edly mezi jednotliv\u00fdmi nab\u00eddkami jsou dnes v\u00fdrazn\u011b v\u011bt\u0161\u00ed ne\u017e d\u0159\u00edv. Nejde jen o cenu, ale p\u0159edev\u0161\u00edm o rozsah kryt\u00ed, limity pln\u011bn\u00ed a kvalitu slu\u017eeb. Pr\u00e1v\u011b tyto rozd\u00edly rozhoduj\u00ed o tom, jak dob\u0159e v\u00e1s poji\u0161t\u011bn\u00ed ochr\u00e1n\u00ed v praxi.<\/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-vlastne-povinne-ruceni-kryje\">Co vlastn\u011b povinn\u00e9 ru\u010den\u00ed kryje?<\/a><\/li><li class=\"\"><a href=\"#jaka-je-cena-povinneho-ruceni-a-co-ji-ovlivnuje\">Jak\u00e1 je cena povinn\u00e9ho ru\u010den\u00ed a co ji ovliv\u0148uje?<\/a><ul><li class=\"\"><a href=\"#kolik-stoji-povinne-ruceni-v-2026\">Kolik stoj\u00ed povinn\u00e9 ru\u010den\u00ed v 2026?<\/a><\/li><li class=\"\"><a href=\"#proc-nestaci-vybirat-povinne-ruceni-jen-podle-ceny\">Pro\u010d nesta\u010d\u00ed vyb\u00edrat povinn\u00e9 ru\u010den\u00ed jen podle ceny?<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#jak-povinne-ruceni-vybrat-a-co-pri-vyberu-nezapomenout\">Jak povinn\u00e9 ru\u010den\u00ed vybrat a co p\u0159i v\u00fdb\u011bru nezapomenout?<\/a><ul><li class=\"\"><a href=\"#limit-plneni\">Limit pln\u011bn\u00ed<\/a><\/li><li class=\"\"><a href=\"#asistencni-sluzby\">Asisten\u010dn\u00ed slu\u017eby<\/a><\/li><li class=\"\"><a href=\"#vyber-pripojisteni\">V\u00fdb\u011br p\u0159ipoji\u0161t\u011bn\u00ed<\/a><\/li><li class=\"\"><a href=\"#najezd\">N\u00e1jezd<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#nejcastejsi-chyby-pri-vyberu-povinneho-ruceni\">Nej\u010dast\u011bj\u0161\u00ed chyby p\u0159i v\u00fdb\u011bru povinn\u00e9ho ru\u010den\u00ed<\/a><\/li><li class=\"\"><a href=\"#caste-otazky-a-odpovedi\">\u010cast\u00e9 ot\u00e1zky a odpov\u011bdi<\/a><ul><li class=\"\"><a href=\"#jaky-limit-povinneho-ruceni-zvolit\">Jak\u00fd limit povinn\u00e9ho ru\u010den\u00ed zvolit?<\/a><\/li><li class=\"\"><a href=\"#ma-smysl-si-k-povinnemu-ruceni-pripojistit-stret-se-zveri\">M\u00e1 smysl si k povinn\u00e9mu ru\u010den\u00ed p\u0159ipojistit st\u0159et se zv\u011b\u0159\u00ed?<\/a><\/li><li class=\"\"><a href=\"#staci-mi-povinne-ruceni-kdyz-mi-nekdo-vykrade-auto\">Sta\u010d\u00ed mi povinn\u00e9 ru\u010den\u00ed, kdy\u017e mi n\u011bkdo vykrade auto?<\/a><\/li><li class=\"\"><a href=\"#jak-casto-ma-smysl-porovnavat-povinne-ruceni\">Jak \u010dasto m\u00e1 smysl porovn\u00e1vat povinn\u00e9 ru\u010den\u00ed?<\/a><\/li><li class=\"\"><a href=\"#ovlivnuje-cenu-povinneho-ruceni-i-zpusob-placeni\">Ovliv\u0148uje cenu povinn\u00e9ho ru\u010den\u00ed i zp\u016fsob placen\u00ed?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-vlastne-povinne-ruceni-kryje\">Co vlastn\u011b povinn\u00e9 ru\u010den\u00ed kryje?<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\">Povinn\u00e9 ru\u010den\u00ed<\/a>, ofici\u00e1ln\u011b<strong> poji\u0161t\u011bn\u00ed odpov\u011bdnosti z provozu vozidla<\/strong>, se vztahuje na \u0161kody, kter\u00e9 zp\u016fsob\u00edte n\u011bkomu jin\u00e9mu \u2013 a\u0165 u\u017e jde o po\u0161kozen\u00e9 auto, majetek nebo zdrav\u00ed.<\/p>\n\n\n\n<p>Pamatujte, \u017ee poji\u0161t\u011bn\u00ed nekryje \u0161kody na va\u0161em vlastn\u00edm vozidle. Pokud si <strong>nabour\u00e1te vlastn\u00ed auto<\/strong>, mus\u00edte pro \u00fahradu \u0161kod m\u00edt <a href=\"https:\/\/www.rixo.cz\/havarijni-pojisteni\/\"><strong>havarijn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/a>, nebo p\u0159ipoji\u0161t\u011bn\u00ed konkr\u00e9tn\u00edch rizik. Povinn\u00e9 ru\u010den\u00ed tedy chr\u00e1n\u00ed v\u00e1s p\u0159ed finan\u010dn\u00edmi d\u016fsledky \u0161kod, kter\u00e9 zp\u016fsob\u00edte ostatn\u00edm, nechr\u00e1n\u00ed va\u0161e auto.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jaka-je-cena-povinneho-ruceni-a-co-ji-ovlivnuje\">Jak\u00e1 je cena povinn\u00e9ho ru\u010den\u00ed a co ji ovliv\u0148uje?<\/h2>\n\n\n\n<p>Poji\u0161\u0165ovny v tvorb\u011b cen povinn\u00e9ho ru\u010den\u00ed pracuj\u00ed s \u0161ir\u0161\u00edm hodnocen\u00edm rizika, kter\u00e9 zahrnuje jak vozidlo, tak samotn\u00e9ho \u0159idi\u010de. Do ceny tedy vstupuje nap\u0159\u00edklad <strong>v\u011bk, m\u00edsto bydli\u0161t\u011b, historie nehod<\/strong> (tedy bonusy a malusy) majitele a provozovatele vozu nebo <strong>typ, st\u00e1\u0159\u00ed a model vozidla i v\u00fdkon<\/strong> motoru.&nbsp;<\/p>\n\n\n\n<p>U n\u011bkter\u00fdch poji\u0161\u0165oven hraje roli i <strong>ro\u010dn\u00ed n\u00e1jezd<\/strong> &#8211; poji\u0161t\u011bn\u00ed se sledov\u00e1n\u00edm n\u00e1jezdu pro v\u00e1s bude v\u00fdhodn\u00e9, pokud s autem ro\u010dn\u011b najedete pod 10 000 km. Krom\u011b v\u00fd\u0161e zm\u00edn\u011bn\u00e9ho, volba <strong>frekvence placen\u00ed<\/strong> za poji\u0161t\u011bn\u00ed tak\u00e9 m\u016f\u017ee s cenou m\u00edrn\u011b h\u00fdbnout. Ro\u010dn\u00ed placen\u00ed znamen\u00e1 slevu kolem 5 procent oproti \u010dtvrtletn\u00edm \u00fahrad\u00e1m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"kolik-stoji-povinne-ruceni-v-2026\">Kolik stoj\u00ed povinn\u00e9 ru\u010den\u00ed v 2026?<\/h3>\n\n\n\n<p>Samotn\u00e9 povinn\u00e9 ru\u010den\u00ed pro osobn\u00ed automobil m\u016f\u017ee st\u00e1t i jen<strong> kolem 1 500 K\u010d ro\u010dn\u011b<\/strong>, pokud hraj\u00ed cenotvorn\u00e9 faktory, jako v\u011bk, bydli\u0161t\u011b nebo beze\u0161kodn\u00ed historie ve v\u00e1\u0161 prosp\u011bch. <strong>Pr\u016fm\u011brn\u00e9 pojistn\u00e9<\/strong> za kompletn\u00ed smlouvy autopoji\u0161t\u011bn\u00ed, obsahuj\u00edc\u00ed povinn\u00e9 ru\u010den\u00ed a dal\u0161\u00ed p\u0159ipoji\u0161t\u011bn\u00ed, uzav\u00edran\u00e9 na RIXO, \u010din\u00ed cca <strong>5 900 K\u010d <\/strong>(v dubnu 2026).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"proc-nestaci-vybirat-povinne-ruceni-jen-podle-ceny\">Pro\u010d nesta\u010d\u00ed vyb\u00edrat povinn\u00e9 ru\u010den\u00ed jen podle ceny?<\/h3>\n\n\n\n<p>N\u00edzk\u00e1 cena m\u016f\u017ee na prvn\u00ed pohled vypadat l\u00e1kav\u011b, ale \u010dasto znamen\u00e1 kompromisy, kter\u00e9 nejsou vid\u011bt hned p\u0159i sjedn\u00e1n\u00ed. Typicky jde o<strong> ni\u017e\u0161\u00ed limity<\/strong> nebo omezen\u00e9 asisten\u010dn\u00ed slu\u017eby.<\/p>\n\n\n\n<p>Rozd\u00edl n\u011bkolika stokorun ro\u010dn\u011b p\u0159itom nehraje z\u00e1sadn\u00ed roli ve srovn\u00e1n\u00ed s t\u00edm, co m\u016f\u017ee rozhodovat p\u0159i \u0159e\u0161en\u00ed \u0161kody.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-povinne-ruceni-vybrat-a-co-pri-vyberu-nezapomenout\">Jak povinn\u00e9 ru\u010den\u00ed vybrat a co p\u0159i v\u00fdb\u011bru nezapomenout?<\/h2>\n\n\n\n<p>Samotn\u00fd v\u00fdb\u011br poji\u0161t\u011bn\u00ed v\u00e1m zabere jen p\u00e1r minut. Sta\u010d\u00ed si jen ujasnit, co od sv\u00e9ho povinn\u00e9ho ru\u010den\u00ed o\u010dek\u00e1v\u00e1te a porovnat si konkr\u00e9tn\u00ed nab\u00eddky &#8211; t\u0159eba se srovn\u00e1va\u010dem RIXO.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"limit-plneni\">Limit pln\u011bn\u00ed<\/h3>\n\n\n\n<p>P\u0159i v\u00fdb\u011bru hraj\u00ed kl\u00ed\u010dovou <strong>roli limity pln\u011bn\u00ed<\/strong>. Ty ur\u010duj\u00ed, kolik maxim\u00e1ln\u011b za v\u00e1s poji\u0161\u0165ovna zaplat\u00ed, pokud zp\u016fsob\u00edte dopravn\u00ed nehodu. Doporu\u010den\u00fd limit povinn\u00e9ho ru\u010den\u00ed pro <strong>osobn\u00ed vozidla je alespo\u0148 70 milion\u016f K\u010d <\/strong>a pro v\u011bt\u0161\u00ed vozidla, jako nap\u0159. n\u00e1kladn\u00ed vozidla nad 3,5 tuny je vhodn\u00e9 zvolit limit i nad 100 milion\u016f K\u010d. Motorky, sk\u00fatry, elektrokolob\u011b\u017eky nebo p\u0159\u00edv\u011bsy si vysta\u010d\u00ed se z\u00e1kladn\u00edm limitem 50 mil. K\u010d.<\/p>\n\n\n\n<p>Na trhu se b\u011b\u017en\u011b objevuj\u00ed varianty limit\u016f ve v\u00fd\u0161i <strong>50, 70, 100 nebo 150 i v\u00edce milion\u016f korun<\/strong>. Rozd\u00edl v cen\u011b b\u00fdv\u00e1 relativn\u011b mal\u00fd, ale v ochran\u011b m\u016f\u017ee b\u00fdt v\u00fdrazn\u00fd. U <strong>v\u00e1\u017en\u011bj\u0161\u00edch nehod<\/strong>, zejm\u00e9na se zran\u011bn\u00edm v\u00edce osob nebo po\u0161kozen\u00edm dopravn\u00ed infrastruktury, se m\u016f\u017ee ni\u017e\u0161\u00ed limit rychle vy\u010derpat. Zbytek \u0161kody by v takov\u00e9m p\u0159\u00edpad\u011b \u0161el p\u0159\u00edmo za v\u00e1mi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"asistencni-sluzby\">Asisten\u010dn\u00ed slu\u017eby<\/h3>\n\n\n\n<p>Asisten\u010dn\u00ed slu\u017eby p\u0159edstavuj\u00ed \u010d\u00e1st poji\u0161t\u011bn\u00ed, kter\u00e1 je \u010dasto opom\u00edjen\u00e1, ale rozd\u00edl pozn\u00e1te ve chv\u00edli, kdy v\u00e1m auto z\u016fstane <strong>st\u00e1t na d\u00e1lnici nebo v zahrani\u010d\u00ed<\/strong>. N\u011bkter\u00e9 nab\u00eddky pokr\u00fdvaj\u00ed jen z\u00e1kladn\u00ed odtah a opravu na m\u00edst\u011b v p\u0159\u00edpad\u011b nehody, jin\u00e9 mohou pokr\u00fdvat i <strong>technick\u00e9 poruchy<\/strong> nebo poskytnout <strong>n\u00e1hradn\u00ed vozidlo<\/strong>. V\u00fdrazn\u00e9 rozd\u00edly jsou tak\u00e9 v limitech asistence &#8211; m\u016f\u017ee b\u00fdt hrazena oprava do 2 000 K\u010d nebo a\u017e do 20 000 K\u010d.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"vyber-pripojisteni\">V\u00fdb\u011br p\u0159ipoji\u0161t\u011bn\u00ed<\/h3>\n\n\n\n<p>Povinn\u00e9 ru\u010den\u00ed lze doplnit o dal\u0161\u00ed kryt\u00ed, kter\u00e9 ho roz\u0161i\u0159uje a \u010d\u00e1ste\u010dn\u011b pak m\u016f\u017ee nahradit n\u011bkter\u00e1 rizika havarijn\u00edho poji\u0161t\u011bn\u00ed. Smysl d\u00e1v\u00e1 zejm\u00e9na u rizik, kter\u00e1 jsou \u010dast\u00e1 a re\u00e1ln\u011b hroz\u00ed i v\u00e1m. Typick\u00fdm p\u0159\u00edkladem je <a href=\"https:\/\/www.rixo.cz\/blog\/srazka-se-zveri-jak-postupovat\/\">st\u0159et se zv\u011b\u0159\u00ed<\/a>. Podobn\u011b \u010dast\u00e9 je <strong>po\u0161kozen\u00ed \u010deln\u00edho skla <\/strong>nebo \u0161kody zp\u016fsoben\u00e9 \u017eivly. Pokud parkujete venku, d\u00e1v\u00e1 smysl i kryt\u00ed kr\u00e1de\u017ee a vandalismu.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"najezd\">N\u00e1jezd<\/h3>\n\n\n\n<p>Pokud v\u00edte, \u017ee najedete s autem t\u0159eba jen<strong> 5 000 nebo 7 000 km ro\u010dn\u011b<\/strong>, nejv\u00fdhodn\u011bj\u0161\u00ed variantou pro v\u00e1s pravd\u011bpodobn\u011b budou nab\u00eddky se zohledn\u011bn\u00edm n\u00e1jezdu od poji\u0161\u0165oven <strong>Allianz a Pillow<\/strong>. Pokud naopak najedete v\u00edce, vyberte poji\u0161\u0165ovny, kter\u00e9 mezi ujet\u00fdmi kilometry ned\u011blaj\u00ed rozd\u00edl &#8211; vyd\u011bl\u00e1te na tom.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"562\" 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\/04\/steering-wheel-car-close-up-high-speed-driving-road-2-1-1-edited.jpg\" alt=\"povinn\u00e9 ru\u010den\u00ed 2026\" class=\"wp-image-4045\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/04\/steering-wheel-car-close-up-high-speed-driving-road-2-1-1-edited.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/04\/steering-wheel-car-close-up-high-speed-driving-road-2-1-1-edited-300x169.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/04\/steering-wheel-car-close-up-high-speed-driving-road-2-1-1-edited-768x432.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/04\/steering-wheel-car-close-up-high-speed-driving-road-2-1-1-edited-100x56.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/04\/steering-wheel-car-close-up-high-speed-driving-road-2-1-1-edited-700x393.jpg 700w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"nejcastejsi-chyby-pri-vyberu-povinneho-ruceni\">Nej\u010dast\u011bj\u0161\u00ed chyby p\u0159i v\u00fdb\u011bru povinn\u00e9ho ru\u010den\u00ed<\/h2>\n\n\n\n<p>P\u0159i sjedn\u00e1n\u00ed se opakuj\u00ed podobn\u00e9 chyby &#8211; nedopus\u0165te se jich i vy.&nbsp;<\/p>\n\n\n\n<ul>\n<li>Nej\u010dast\u011bj\u0161\u00ed chybou je orientace \u010dist\u011b<strong> podle ceny<\/strong> bez ohledu na obsah smlouvy.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>\u010cast\u00e9 je tak\u00e9 <strong>podcen\u011bn\u00ed limit\u016f nebo p\u0159ehl\u00e9dnut\u00ed detail\u016f<\/strong> asisten\u010dn\u00edch slu\u017eeb.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Mnoho lid\u00ed z\u00e1rove\u0148 dlouhodob\u011b ponech\u00e1v\u00e1 stejnou smlouvu, ani\u017e by ji porovnalo s aktu\u00e1ln\u00ed nab\u00eddkou trhu. <strong>Plat\u00ed tedy v\u00edc nebo maj\u00ed hor\u0161\u00ed podm\u00ednky<\/strong>, ne\u017e by mohli m\u00edt s novou nab\u00eddkou.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Zapomenout, \u017ee se bl\u00ed\u017e\u00ed <strong>v\u00fdro\u010d\u00ed st\u00e1vaj\u00edc\u00ed smlouvy<\/strong>, se m\u016f\u017ee prodra\u017eit. Poji\u0161\u0165ovny v\u00e1m ve v\u00fdro\u010d\u00ed poji\u0161t\u011bn\u00ed s vysokou pravd\u011bpodobnost\u00ed zdra\u017e\u00ed, ale vy tomu m\u016f\u017eete p\u0159edej\u00edt volbou jin\u00e9 a v\u00fdhodn\u011bj\u0161\u00ed nab\u00eddky. Mus\u00edte jen <a href=\"https:\/\/www.rixo.cz\/vypoved-pojistne-smlouvy\/\">v\u00fdpov\u011b\u010f st\u00e1vaj\u00edc\u00ed pojistn\u00e9 smlouvy <\/a>poji\u0161\u0165ovn\u011b doru\u010dit 6 t\u00fddn\u016f p\u0159ede dnem v\u00fdro\u010d\u00ed.<\/li>\n<\/ul>\n\n\n\n<p>Nic nepodce\u0148te a nepro\u0161vihn\u011bte spr\u00e1vn\u00fd \u010das na zm\u011bnu poji\u0161\u0165ovny. Rovnou m\u016f\u017eete za\u010d\u00edt hledat tu nejlep\u0161\u00ed nab\u00eddku na povinn\u00e9 ru\u010den\u00ed na RIXO &#8211; za dv\u011b minuty m\u00e1te hotovo!&nbsp;<\/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\n\n\n<h2 class=\"wp-block-heading\" id=\"caste-otazky-a-odpovedi\">\u010cast\u00e9 ot\u00e1zky a odpov\u011bdi<\/h2>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"jaky-limit-povinneho-ruceni-zvolit\"><strong>Jak\u00fd limit povinn\u00e9ho ru\u010den\u00ed zvolit?<\/strong><\/h4>\n\n\n\n<p>Ide\u00e1ln\u00ed limit se v praxi pohybuje alespo\u0148 kolem 70 a\u017e 100 milion\u016f K\u010d. Vy\u0161\u0161\u00ed limit d\u00e1v\u00e1 smysl zejm\u00e9na p\u0159i \u010dast\u00e9 j\u00edzd\u011b nebo cest\u00e1ch do zahrani\u010d\u00ed.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"ma-smysl-si-k-povinnemu-ruceni-pripojistit-stret-se-zveri\"><strong>M\u00e1 smysl si k povinn\u00e9mu ru\u010den\u00ed p\u0159ipojistit st\u0159et se zv\u011b\u0159\u00ed?<\/strong><\/h4>\n\n\n\n<p>Pokud nejezd\u00edte v\u00fdhradn\u011b v centru m\u011bsta, tak se riziko sr\u00e1\u017eky se zv\u011b\u0159\u00ed vyplat\u00ed. Tyto \u0161kody pat\u0159\u00ed k nej\u010dast\u011bj\u0161\u00edm a jejich oprava u modern\u00edch voz\u016f stoj\u00ed des\u00edtky tis\u00edc korun.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"staci-mi-povinne-ruceni-kdyz-mi-nekdo-vykrade-auto\"><strong>Sta\u010d\u00ed mi povinn\u00e9 ru\u010den\u00ed, kdy\u017e mi n\u011bkdo vykrade auto?<\/strong><\/h4>\n\n\n\n<p>Ne, z\u00e1kladn\u00ed povinn\u00e9 ru\u010den\u00ed kryje jen \u0161kody, kter\u00e9 zp\u016fsob\u00edte vy jin\u00fdm. Pro ochranu p\u0159ed kr\u00e1de\u017e\u00ed nebo vandalismem mus\u00edte m\u00edt bu\u010f havarijn\u00ed poji\u0161t\u011bn\u00ed nebo dopl\u0148kov\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed k povinn\u00e9mu ru\u010den\u00ed. Pozor, pokud jde o vykraden\u00ed v\u011bc\u00ed z auta (a ne odcizen\u00ed samotn\u00e9ho auta), je nutn\u00e9 sjednat poji\u0161t\u011bn\u00ed zavazadel.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"jak-casto-ma-smysl-porovnavat-povinne-ruceni\"><strong>Jak \u010dasto m\u00e1 smysl porovn\u00e1vat povinn\u00e9 ru\u010den\u00ed?<\/strong><\/h4>\n\n\n\n<p>Ide\u00e1ln\u011b jednou ro\u010dn\u011b, nejl\u00e9pe p\u0159ed v\u00fdro\u010d\u00edm smlouvy. Ceny i podm\u00ednky se mohou zm\u011bnit a nov\u00e1 nab\u00eddka m\u016f\u017ee b\u00fdt v\u00fdhodn\u011bj\u0161\u00ed. Dlouhodob\u00e9 ponech\u00e1n\u00ed stejn\u00e9 smlouvy \u010dasto znamen\u00e1 vy\u0161\u0161\u00ed cenu za men\u0161\u00ed rozsah slu\u017eeb.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"ovlivnuje-cenu-povinneho-ruceni-i-zpusob-placeni\"><strong>Ovliv\u0148uje cenu povinn\u00e9ho ru\u010den\u00ed i zp\u016fsob placen\u00ed?<\/strong><\/h4>\n\n\n\n<p>Ano, ro\u010dn\u00ed platba b\u00fdv\u00e1 obvykle v\u00fdhodn\u011bj\u0161\u00ed ne\u017e \u010dtvrtletn\u00ed nebo m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. Rozd\u00edl se m\u016f\u017ee pohybovat kolem n\u011bkolika procent z celkov\u00e9 ceny poji\u0161t\u011bn\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Povinn\u00e9 ru\u010den\u00ed pat\u0159\u00ed mezi nutn\u00e9 v\u00fddaje ka\u017ed\u00e9ho majitele auta. P\u0159esto ho mnoho \u0159idi\u010d\u016f \u0159e\u0161\u00ed sp\u00ed\u0161 automaticky ne\u017e v\u011bdom\u011b \u2013 smlouva se prodlu\u017euje, pojistn\u00e9 se zaplat\u00ed a t\u00edm to kon\u010d\u00ed. Jen\u017ee rozd\u00edly mezi jednotliv\u00fdmi nab\u00eddkami jsou dnes v\u00fdrazn\u011b v\u011bt\u0161\u00ed ne\u017e d\u0159\u00edv. <\/p>\n","protected":false},"author":11,"featured_media":4043,"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\/4040"}],"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=4040"}],"version-history":[{"count":5,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4040\/revisions"}],"predecessor-version":[{"id":4052,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4040\/revisions\/4052"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/4043"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=4040"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=4040"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=4040"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}