{"id":4054,"date":"2026-05-05T11:14:30","date_gmt":"2026-05-05T09:14:30","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=4054"},"modified":"2026-05-05T12:10:38","modified_gmt":"2026-05-05T10:10:38","slug":"co-kryje-havarijni-pojisteni-na-co-si-dat-pozor","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/co-kryje-havarijni-pojisteni-na-co-si-dat-pozor\/","title":{"rendered":"Co kryje havarijn\u00ed poji\u0161t\u011bn\u00ed a na co si d\u00e1t pozor v roce 2026"},"content":{"rendered":"\n<p>Zat\u00edmco povinn\u00e9 ru\u010den\u00ed chr\u00e1n\u00ed ostatn\u00ed \u00fa\u010dastn\u00edky silni\u010dn\u00edho provozu, havarijn\u00ed poji\u0161t\u011bn\u00ed kryje \u0161kody na va\u0161em vlastn\u00edm aut\u011b. V roce 2026 ale nejde jen o \u201eboura\u010dky\u201c.&nbsp; P\u0159ib\u00fdv\u00e1 \u0161kod z po\u010das\u00ed, zdra\u017eily opravy a roste v\u00fdznam spr\u00e1vn\u00e9ho nastaven\u00ed spolu\u00fa\u010dasti. Co p\u0159esn\u011b tedy havarijn\u00ed poji\u0161t\u011bn\u00ed kryje a na co si d\u00e1t pozor?&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=\"#k-cemu-slouzi-havarijni-pojisteni\">K \u010demu slou\u017e\u00ed havarijn\u00ed poji\u0161t\u011bn\u00ed?<\/a><\/li><li class=\"\"><a href=\"#jaka-rizika-havarijni-pojisteni-kryje\">Jak\u00e1 rizika havarijn\u00ed poji\u0161t\u011bn\u00ed kryje?<\/a><ul><li class=\"\"><a href=\"#dopravni-nehoda\">Dopravn\u00ed nehoda<\/a><\/li><li class=\"\"><a href=\"#zivelni-udalosti\">\u017diveln\u00ed ud\u00e1losti<\/a><\/li><li class=\"\"><a href=\"#kradez-a-vandalismus\">Kr\u00e1de\u017e a vandalismus<\/a><\/li><li class=\"\"><a href=\"#stret-se-zveri-a-poskozeni-zviretem\">St\u0159et se zv\u011b\u0159\u00ed a po\u0161kozen\u00ed zv\u00ed\u0159etem<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#co-havarijni-pojisteni-nekryje\">Co havarijn\u00ed poji\u0161t\u011bn\u00ed nekryje<\/a><\/li><li class=\"\"><a href=\"#spoluucast-klicovy-parametr-ceny\">Spolu\u00fa\u010dast: kl\u00ed\u010dov\u00fd parametr ceny<\/a><\/li><li class=\"\"><a href=\"#vyplati-se-havarijni-pojisteni-v-roce-2026\">Vyplat\u00ed se havarijn\u00ed poji\u0161t\u011bn\u00ed v roce 2026?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"k-cemu-slouzi-havarijni-pojisteni\">K \u010demu slou\u017e\u00ed havarijn\u00ed poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n<p>Havarijn\u00ed poji\u0161t\u011bn\u00ed je na rozd\u00edl od povinn\u00e9ho ru\u010den\u00ed zcela dobrovoln\u00e9 a kryje \u0161kody na va\u0161em vlastn\u00edm vozidle bez ohledu na to, kdo nehodu zavinil. Nahrad\u00ed tedy \u0161kody, kter\u00e9 zp\u016fsob\u00edte na vlastn\u00edm voze vy, ale i v n\u011bkter\u00fdch p\u0159\u00edpadech, kdy nehodu zp\u016fsob\u00ed jin\u00fd \u0159idi\u010d &#8211; t\u0159eba kdy\u017e nen\u00ed mo\u017en\u00e9 vyp\u00e1trat vin\u00edka nehody, z jeho\u017e povinn\u00e9ho ru\u010den\u00ed by mohla b\u00fdt \u0161koda hrazena.&nbsp;<\/p>\n\n\n\n<p>Z\u00e1kladn\u00ed bal\u00ed\u010dek havarijn\u00edho poji\u0161t\u011bn\u00ed obvykle zahrnuje 4 kl\u00ed\u010dov\u00e1 rizika. V praxi se \u010dasto setk\u00e1te s takzvan\u00fdm <a href=\"https:\/\/www.rixo.cz\/blog\/havarijni-pojisteni-all-risk\/\">all risk poji\u0161t\u011bn\u00edm<\/a>, kter\u00e9 pokr\u00fdv\u00e1 ve\u0161ker\u00e1 pojistn\u00e1 nebezpe\u010d\u00ed, ale samoz\u0159ejm\u011b si tak\u00e9 m\u016f\u017eete vybrat jen ta poji\u0161t\u011bn\u00ed, kter\u00e1 skute\u010dn\u011b chcete.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jaka-rizika-havarijni-pojisteni-kryje\">Jak\u00e1 rizika havarijn\u00ed poji\u0161t\u011bn\u00ed kryje?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"dopravni-nehoda\">Dopravn\u00ed nehoda<\/h3>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed hav\u00e1rie je kl\u00ed\u010dov\u00e1 a z\u00e1rove\u0148 nejdra\u017e\u0161\u00ed polo\u017eka z cel\u00e9 nab\u00eddky kryt\u00ed havarijn\u00edho poji\u0161t\u011bn\u00ed. Kryt\u00e9 jsou \u0161kody vznikl\u00e9 p\u0159i st\u0159etu s jin\u00fdm vozidlem, n\u00e1razu do p\u0159ek\u00e1\u017eky, p\u00e1du vozidla a podobn\u011b.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"zivelni-udalosti\">\u017diveln\u00ed ud\u00e1losti<\/h3>\n\n\n\n<p>V posledn\u00edch letech roste v\u00fdznam kryt\u00ed \u017eiveln\u00edch katastrof. Siln\u00e9 bou\u0159ky, krupobit\u00ed nebo povodn\u011b p\u00e1chaj\u00ed statis\u00edcov\u00e9 a\u017e milionov\u00e9 \u0161kody mimo jin\u00e9 i na autech. V\u0161echny hroz\u00edc\u00ed \u017eivly ale pokryjete jedn\u00edm p\u0159ipoji\u0161t\u011bn\u00edm. V posledn\u00edch letech extr\u00e9m\u016f po\u010das\u00ed p\u0159\u00edb\u00fdv\u00e1, \u010deho\u017e si v\u0161\u00edmaj\u00ed i poji\u0161\u0165ovny &#8211; cena tohoto p\u0159ipoji\u0161t\u011bn\u00ed tak m\u016f\u017ee postupn\u011b r\u016fst.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"kradez-a-vandalismus\">Kr\u00e1de\u017e a vandalismus<\/h3>\n\n\n\n<p>Ochrana proti kr\u00e1de\u017ei a vandalismu p\u0159ijde vhod zvl\u00e1\u0161t\u011b, pokud parkujete \u010dasto venku nebo nech\u00e1v\u00e1te vozidlo bez dozoru. Pokud v\u00e1m auto n\u011bkdo odciz\u00ed nebo po\u0161kod\u00ed (nap\u0159\u00edklad rozbije okno, po\u0161kr\u00e1be lak nebo po\u0161kod\u00ed interi\u00e9r), poji\u0161\u0165ovna \u0161kodu uhrad\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"stret-se-zveri-a-poskozeni-zviretem\">St\u0159et se zv\u011b\u0159\u00ed a po\u0161kozen\u00ed zv\u00ed\u0159etem<\/h3>\n\n\n\n<p>St\u0159ety se zv\u011b\u0159\u00ed jsou v \u010cesku nebezpe\u010d\u00edm tak\u0159ka po cel\u00e9m na\u0161em \u00fazem\u00ed mimo m\u011bsta, a to zejm\u00e9na v jarn\u00edch a podzimn\u00edch m\u011bs\u00edc\u00edch. Riziko sr\u00e1\u017eky se zv\u011b\u0159\u00ed kryje \u0161kody po n\u00e1razu do jak\u00e9koliv divok\u00e9 zv\u011b\u0159i, typicky srny nebo kance. Sjednat si p\u0159\u00edpadn\u011b m\u016f\u017eete i poji\u0161t\u011bn\u00ed po\u0161kozen\u00ed zaparkovan\u00e9ho vozidla zv\u00ed\u0159etem, nej\u010dast\u011bji jde o rozkous\u00e1n\u00ed kabel\u016f kunou.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-havarijni-pojisteni-nekryje\">Co havarijn\u00ed poji\u0161t\u011bn\u00ed nekryje<\/h2>\n\n\n\n<p>Stejn\u011b d\u016fle\u017eit\u00e9 jako v\u011bd\u011bt, co poji\u0161t\u011bn\u00ed kryje, je rozum\u011bt v\u00fdluk\u00e1m. Mezi nej\u010dast\u011bj\u0161\u00ed situace, kdy poji\u0161\u0165ovna nepln\u00ed nebo pln\u011bn\u00ed kr\u00e1t\u00ed, pat\u0159\u00ed:<\/p>\n\n\n\n<ul>\n<li>\u0159\u00edzen\u00ed pod vlivem alkoholu nebo drog<\/li>\n\n\n\n<li>\u00famysln\u00e9 po\u0161kozen\u00ed vozidla<\/li>\n\n\n\n<li>technicky nezp\u016fsobil\u00e9 vozidlo<\/li>\n\n\n\n<li>b\u011b\u017en\u00e9 opot\u0159eben\u00ed nebo mechanick\u00e9 z\u00e1vady<\/li>\n<\/ul>\n\n\n\n<p>V\u00fdluky se li\u0161\u00ed podle poji\u0161\u0165ovny, ale jejich princip z\u016fst\u00e1v\u00e1 stejn\u00fd &#8211; poji\u0161t\u011bn\u00ed kryje nahodil\u00e9 ud\u00e1losti, nikoli pot\u00ed\u017ee a situace, kter\u00e9 se daj\u00ed p\u0159edpokl\u00e1dat.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"spoluucast-klicovy-parametr-ceny\">Spolu\u00fa\u010dast: kl\u00ed\u010dov\u00fd parametr ceny<\/h2>\n\n\n\n<p>Jedn\u00edm z nejd\u016fle\u017eit\u011bj\u0161\u00edch nastaven\u00ed havarijn\u00edho poji\u0161t\u011bn\u00ed je spolu\u00fa\u010dast. Jde o \u010d\u00e1stku, kterou se na \u0161kod\u011b pod\u00edl\u00edte vy sami.<\/p>\n\n\n\n<p>Vy\u0161\u0161\u00ed spolu\u00fa\u010dast znamen\u00e1 ni\u017e\u0161\u00ed pojistn\u00e9, ale z\u00e1rove\u0148 vy\u0161\u0161\u00ed n\u00e1klady p\u0159i \u0161kod\u011b. Naopak n\u00edzk\u00e1 nebo nulov\u00e1 spolu\u00fa\u010dast zvy\u0161uje cenu poji\u0161t\u011bn\u00ed, ale minimalizuje va\u0161e v\u00fddaje p\u0159i nehod\u011b. Preferujte pevnou spolu\u00fa\u010dast oproti procentn\u00edmu nastaven\u00ed &#8211; ur\u010den\u00ed spolu\u00fa\u010dasti procentem se nemus\u00ed p\u0159i vy\u0161\u0161\u00edch \u0161kod\u00e1ch vyplatit.<\/p>\n\n\n\n<p>Vzhledem k tomu, \u017ee i men\u0161\u00ed \u0161kody z havarijn\u00edho poji\u0161t\u011bn\u00ed se za posledn\u00ed roky (a st\u00e1le i v roce 2026) zvy\u0161uj\u00ed, rozumnou volbou bude nastaven\u00ed pevn\u00e9 spolu\u00fa\u010dasti nap\u0159. na 5 000 K\u010d, nebo klidn\u011b i 10 000 K\u010d. Men\u0161\u00ed \u0161kody nejsou likvida\u010dn\u00ed a zvl\u00e1dnete je pravd\u011bpodobn\u011b zaplatit sami, nav\u00edc si tak ochr\u00e1n\u00edte sv\u016fj <a href=\"https:\/\/www.rixo.cz\/blog\/jak-funguji-bonusy-povinne-ruceni\/\">bonus<\/a>.&nbsp;<\/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\/2026\/04\/car-extreme-snow-winter-weather-1-1-1.jpg\" alt=\"havarijn\u00ed poji\u0161t\u011bn\u00ed 2026\" class=\"wp-image-4057\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/04\/car-extreme-snow-winter-weather-1-1-1.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/04\/car-extreme-snow-winter-weather-1-1-1-300x200.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/04\/car-extreme-snow-winter-weather-1-1-1-768x512.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/04\/car-extreme-snow-winter-weather-1-1-1-100x67.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/04\/car-extreme-snow-winter-weather-1-1-1-675x450.jpg 675w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"vyplati-se-havarijni-pojisteni-v-roce-2026\">Vyplat\u00ed se havarijn\u00ed poji\u0161t\u011bn\u00ed v roce 2026?<\/h2>\n\n\n\n<p>Havarijn\u00ed poji\u0161t\u011bn\u00ed nen\u00ed povinn\u00e9, ale v mnoha situac\u00edch d\u00e1v\u00e1 smysl. Typicky u nov\u011bj\u0161\u00edch nebo dra\u017e\u0161\u00edch vozidel, kde by oprava znamenala vysok\u00fd v\u00fddaj. Tomu nahr\u00e1v\u00e1 pokra\u010duj\u00edc\u00ed \u0161kodn\u00ed inflace &#8211; zvy\u0161uj\u00edc\u00ed se n\u00e1klady na opravu vozidel, a to jak na n\u00e1hradn\u00ed d\u00edly, tak i lidskou pr\u00e1ci.&nbsp;<\/p>\n\n\n\n<p>Pro nov\u00e1 vozidla z tohoto d\u016fvodu rozhodn\u011b zva\u017ete i <a href=\"https:\/\/www.rixo.cz\/blog\/co-je-gap\/\">p\u0159ipoji\u0161t\u011bn\u00ed GAP<\/a>. P\u0159i tot\u00e1ln\u00ed \u0161kod\u011b nebo kr\u00e1de\u017ei poji\u0161\u0165ovna pak vyplat\u00ed nejen n\u00e1hradu \u0161kody odpov\u00eddaj\u00edc\u00ed aktu\u00e1ln\u00ed v\u00fd\u0161i vozidla, ale dorovn\u00e1 rozd\u00edl mezi aktu\u00e1ln\u00ed hodnotou vozidla a jeho kupn\u00ed cenou.&nbsp;<\/p>\n\n\n\n<p>Smysl m\u00e1 i pro \u0159idi\u010de, kte\u0159\u00ed auto aktivn\u011b pou\u017e\u00edvaj\u00ed, nap\u0159\u00edklad denn\u011b doj\u00ed\u017ed\u011bj\u00ed nebo parkuj\u00ed na ulici. Naopak u star\u0161\u00edch vozidel s n\u00edzkou hodnotou u\u017e m\u016f\u017ee b\u00fdt v\u00fdhodnost havarijn\u00edho poji\u0161t\u011bn\u00ed diskutabiln\u00ed &#8211; vyplat\u00ed se pak p\u0159ipojistit jen vybran\u00e1 relevantn\u00ed rizika k <a href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\">povinn\u00e9mu ru\u010den\u00ed<\/a>.<\/p>\n\n\n\n<p>Havarijn\u00ed poji\u0161t\u011bn\u00ed v roce 2026 nen\u00ed jen o dopravn\u00edch nehod\u00e1ch. Kryje \u0161irok\u00e9 spektrum rizik &#8211; od \u017eiveln\u00fdch ud\u00e1lost\u00ed p\u0159es vandalismus a\u017e po st\u0159ety se zv\u011b\u0159\u00ed. Z\u00e1rove\u0148 ale plat\u00ed, \u017ee ka\u017ed\u00e1 smlouva m\u00e1 sv\u00e9 limity, v\u00fdluky a nastaven\u00ed, kter\u00e9 z\u00e1sadn\u011b ovliv\u0148uj\u00ed, jak dob\u0159e v\u00e1s ochr\u00e1n\u00ed.<\/p>\n\n\n\n<p>Pr\u00e1v\u011b proto se vyplat\u00ed v\u011bnovat v\u00fdb\u011bru pozornost. Rozd\u00edly mezi jednotliv\u00fdmi nab\u00eddkami nejsou jen v cen\u011b, ale hlavn\u011b v tom, co skute\u010dn\u011b dostanete ve chv\u00edli, kdy to budete pot\u0159ebovat.<\/p>\n\n\n\n<p>Pr\u00e1v\u011b havarijn\u00ed poji\u0161t\u011bn\u00ed hled\u00e1te? To nejv\u00fdhodn\u011bj\u0161\u00ed v\u00e1m pom\u016f\u017ee naj\u00edt srovn\u00e1n\u00ed nab\u00eddek poji\u0161\u0165oven na RIXO.cz. Srovn\u00e1n\u00ed havarijn\u00edho poji\u0161t\u011bn\u00ed na RIXO v\u00e1m zabere jen p\u00e1r minut a hned uvid\u00edte konkr\u00e9tn\u00ed nab\u00eddky od v\u00edce poji\u0161\u0165oven na jednom m\u00edst\u011b. Snadno tak zjist\u00edte, kolik m\u016f\u017eete u\u0161et\u0159it a co p\u0159esn\u011b za svou cenu dostanete.&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","protected":false},"excerpt":{"rendered":"<p>Zat\u00edmco povinn\u00e9 ru\u010den\u00ed chr\u00e1n\u00ed ostatn\u00ed \u00fa\u010dastn\u00edky silni\u010dn\u00edho provozu, havarijn\u00ed poji\u0161t\u011bn\u00ed kryje \u0161kody na va\u0161em vlastn\u00edm aut\u011b. V roce 2026 ale nejde jen o \u201eboura\u010dky\u201c.\u00a0 P\u0159ib\u00fdv\u00e1 \u0161kod z po\u010das\u00ed, zdra\u017eily opravy a roste v\u00fdznam spr\u00e1vn\u00e9ho nastaven\u00ed spolu\u00fa\u010dasti. Co p\u0159esn\u011b tedy havarijn\u00ed poji\u0161t\u011bn\u00ed kryje a na co si d\u00e1t pozor?\u00a0<\/p>\n","protected":false},"author":11,"featured_media":4056,"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\/4054"}],"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=4054"}],"version-history":[{"count":4,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4054\/revisions"}],"predecessor-version":[{"id":4061,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4054\/revisions\/4061"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/4056"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=4054"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=4054"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=4054"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}