{"id":4304,"date":"2026-08-10T10:59:19","date_gmt":"2026-08-10T08:59:19","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=4304"},"modified":"2026-08-10T10:59:22","modified_gmt":"2026-08-10T08:59:22","slug":"pojistka-na-blbost-pro-deti","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/pojistka-na-blbost-pro-deti\/","title":{"rendered":"Pojistka na blbost pro d\u011bti: Jak pojistit odpov\u011bdnost d\u011bt\u00ed?"},"content":{"rendered":"\n<p>D\u011bti neum\u00ed v\u017edycky domyslet, co jejich hra nebo chvilkov\u00e1 nepozornost m\u016f\u017ee zp\u016fsobit. Rozbit\u00e9 okno, po\u0161kr\u00e1ban\u00e9 auto souseda nebo zran\u011bn\u00fd kamar\u00e1d p\u0159i honi\u010dce nejsou nic v\u00fdjime\u010dn\u00e9ho. A poka\u017ed\u00e9 n\u00e1sleduje stejn\u00e1 ot\u00e1zka: kdo takovou \u0161kodu nakonec zaplat\u00ed? Pro p\u0159\u00edpad zp\u016fsoben\u00ed \u0161kody d\u00edt\u011btem nen\u00ed pot\u0159eba speci\u00e1ln\u00ed pojistka na blbost pro d\u011bti, sta\u010d\u00ed m\u00edt jednu pro celou rodinu.&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=\"#za-co-je-dite-vubec-odpovedne\">Za co je d\u00edt\u011b v\u016fbec odpov\u011bdn\u00e9?<\/a><ul><li class=\"\"><a href=\"#odpovednost-za-skodu-u-deti-do-dovrseni-veku-13-let\">Odpov\u011bdnost za \u0161kodu u d\u011bt\u00ed do dovr\u0161en\u00ed v\u011bku 13 let<\/a><\/li><li class=\"\"><a href=\"#odpovednost-za-skodu-u-deti-nad-13-let\">Odpov\u011bdnost za \u0161kodu u d\u011bt\u00ed nad 13 let<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#pojistuje-se-dite-nebo-vy-jak-funguje-pojistka-na-blbost-pro-dite\">Poji\u0161\u0165uje se d\u00edt\u011b, nebo vy? Jak funguje pojistka na blbost pro d\u011bti<\/a><\/li><li class=\"\"><a href=\"#co-je-spolecna-domacnost-a-jak-je-to-s-ditetem-na-internatu-nebo-v-zahranici\">Co je &#8220;spole\u010dn\u00e1 dom\u00e1cnost&#8221; a jak je to s d\u00edt\u011btem na intern\u00e1tu nebo v zahrani\u010d\u00ed?<\/a><\/li><li class=\"\"><a href=\"#kde-vsude-pojisteni-odpovednosti-dite-kryje\">Kde v\u0161ude poji\u0161t\u011bn\u00ed odpov\u011bdnosti d\u00edt\u011b kryje?<\/a><\/li><li class=\"\"><a href=\"#na-co-si-dat-pozor-co-pojisteni-odpovednosti-nekryje\">Na co si d\u00e1t pozor: Co poji\u0161t\u011bn\u00ed odpov\u011bdnosti nekryje?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"za-co-je-dite-vubec-odpovedne\">Za co je d\u00edt\u011b v\u016fbec odpov\u011bdn\u00e9?<\/h2>\n\n\n\n<p>V r\u00e1mci ob\u010dansk\u00e9 odpov\u011bdnosti se povinnost k n\u00e1hrad\u011b \u0161kody zp\u016fsoben\u00e9 d\u00edt\u011btem rozli\u0161uje podle toho, jak je d\u00edt\u011b star\u00e9, zda na d\u00edt\u011b n\u011bkdo dohl\u00ed\u017eel a hodnotit se m\u016f\u017ee i du\u0161evn\u00ed vysp\u011blost d\u00edt\u011bte. Poj\u010fme se na <strong>ob\u010danskopr\u00e1vn\u00ed odpov\u011bdnost <\/strong>d\u011bt\u00ed <a href=\"https:\/\/e-sbirka.gov.cz\/sb\/2012\/89#cast_4-hlava_3-dil_1-oddil_2-pododdil_2\" target=\"_blank\" rel=\"noopener\">dle ob\u010dansk\u00e9ho z\u00e1kon\u00edku <\/a>pod\u00edvat do detailu &#8211; trestn\u00ed odpov\u011bdnost tentokr\u00e1t ponech\u00e1me stranou.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"odpovednost-za-skodu-u-deti-do-dovrseni-veku-13-let\">Odpov\u011bdnost za \u0161kodu u d\u011bt\u00ed do dovr\u0161en\u00ed v\u011bku 13 let<\/h3>\n\n\n\n<p>U d\u011bt\u00ed mlad\u0161\u00edch 13 let je k n\u00e1hrad\u011b \u0161kody povinn\u00e1 osoba, kter\u00e1 nad nimi <strong>zanedbala tzv. n\u00e1le\u017eit\u00fd dohled<\/strong> \u2013 tedy nej\u010dast\u011bji rodi\u010d, ale t\u0159eba i babi\u010dka, u\u010ditelka ve \u0161kolce nebo vedouc\u00ed t\u00e1bora, pokud v danou chv\u00edli na d\u00edt\u011b m\u011bli dohl\u00ed\u017eet.&nbsp;<\/p>\n\n\n\n<p>Pokud <strong>dohled zanedb\u00e1n nebyl<\/strong>, jde \u0161koda k t\u00ed\u017ei <strong>d\u00edt\u011bte<\/strong>, ov\u0161em za podm\u00ednky, \u017ee \u0161lo o jedn\u00e1n\u00ed, kter\u00e9 m\u00e1 povahu<strong> \u00famysln\u00e9ho <\/strong>trestn\u00e9ho \u010dinu (p\u0159i\u010dem\u017e samo d\u00edt\u011b trestn\u011b odpov\u011bdn\u00e9 je\u0161t\u011b nen\u00ed), a za p\u0159edpokladu, \u017ee je spravedliv\u00e9 po\u017eadovat po n\u011bm n\u00e1hradu \u0161kody s ohledem na majetkov\u00e9 pom\u011bry d\u00edt\u011bte a po\u0161kozen\u00e9 osoby.&nbsp;<\/p>\n\n\n\n<p>A co dob\u0159e zn\u00e1m\u00e1 situace <strong>\u00fahrady \u0161kody rodi\u010dem d\u00edt\u011bte<\/strong>? Rodi\u010de ze z\u00e1kona nahrazuj\u00ed \u0161kodu po\u0161kozen\u00e9mu tehdy, kdy\u017e nen\u00ed d\u00edt\u011b povinn\u00e9 k n\u00e1hrad\u011b \u0161kody, nebyl zanedb\u00e1n n\u00e1le\u017eit\u00fd dohled a pokud je to spravedliv\u00e9 s ohledem na majetkov\u00e9 pom\u011bry rodi\u010de a po\u0161kozen\u00e9ho. V praxi sem spadaj\u00ed ne\u00famysln\u00e1 jedn\u00e1n\u00ed, jako je nap\u0159. rozbit\u00ed br\u00fdl\u00ed spolu\u017e\u00e1kovi p\u0159i h\u0159e nebo shozen\u00ed zbo\u017e\u00ed z reg\u00e1lu v obchod\u011b. Z podstaty v\u011bci ale i p\u0159i povinnosti d\u00edt\u011bte nahradit \u0161kodu berou n\u00e1klady na sebe pr\u00e1v\u011b rodi\u010de.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"odpovednost-za-skodu-u-deti-nad-13-let\">Odpov\u011bdnost za \u0161kodu u d\u011bt\u00ed nad 13 let<\/h3>\n\n\n\n<p>U odpov\u011bdnosti nezletil\u00fdch <strong>od 13 do 18 let <\/strong>se uplat\u0148uj\u00ed jin\u00e1 pravidla. U d\u011bt\u00ed, kter\u00e9 u\u017e oslavily 13. narozeniny, se zkoum\u00e1, jestli byly v okam\u017eiku \u0161kody <strong>schopn\u00e9 sv\u00e9 jedn\u00e1n\u00ed ovl\u00e1dnout a posoudit jeho n\u00e1sledky<\/strong> \u2013 tedy jestli m\u011bly takzvanou deliktn\u00ed zp\u016fsobilost. Pokud ano, odpov\u00edd\u00e1 za \u0161kodu d\u00edt\u011b, spole\u010dn\u011b a nerozd\u00edln\u011b s t\u00edm, kdo nad n\u00edm zanedbal dohled. Pokud ne, m\u00e1 po\u0161kozen\u00fd pr\u00e1vo na n\u00e1hradu \u0161kody d\u00edt\u011btem pouze, pokud je to spravedliv\u00e9 s ohledem na majetkov\u00e9 pom\u011bry d\u00edt\u011bte a po\u0161kozen\u00e9ho.&nbsp;<\/p>\n\n\n\n<p>Z\u00e1kon tady m\u00ed\u0159\u00ed p\u0159edev\u0161\u00edm na to, aby na d\u00edt\u011b nepadaly nep\u0159im\u011b\u0159en\u00e9 dluhy \u2013 ka\u017ed\u00fd p\u0159\u00edpad se tedy posuzuje individu\u00e1ln\u011b s ohledem na v\u011bk a ment\u00e1ln\u00ed kapacity d\u00edt\u011bte.&nbsp;<\/p>\n\n\n\n<p>V praxi drtiv\u00e1 v\u011bt\u0161ina b\u011b\u017en\u00fdch d\u011btsk\u00fdch \u0161kod nakonec padne na rodi\u010de, p\u0159\u00edpadn\u011b na d\u00edt\u011b samotn\u00e9. A p\u0159esn\u011b pro p\u0159\u00edpad, \u017ee budete muset kv\u016fli roztr\u017eit\u00e9 ratolesti s\u00e1hnout do vlastn\u00edch kapes, v\u00e1s chr\u00e1n\u00ed <a href=\"https:\/\/www.rixo.cz\/pojisteni-odpovednosti\/\">poji\u0161t\u011bn\u00ed odpov\u011bdnosti ob\u010dana<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pojistuje-se-dite-nebo-vy-jak-funguje-pojistka-na-blbost-pro-dite\">Poji\u0161\u0165uje se d\u00edt\u011b, nebo vy? Jak funguje pojistka na blbost pro d\u011bti<\/h2>\n\n\n\n<p>Zat\u00edmco nap\u0159\u00edklad u <a href=\"https:\/\/www.rixo.cz\/urazove-pojisteni-pro-deti\/\"><strong>\u00farazov\u00e9ho poji\u0161t\u011bn\u00ed<\/strong><\/a> sjedn\u00e1v\u00e1te pojistku p\u0159\u00edmo pro konkr\u00e9tn\u00ed d\u00edt\u011b, poji\u0161t\u011bn\u00ed odpov\u011bdnosti se pro d\u011bti nesjedn\u00e1v\u00e1 jednotliv\u011b &#8211; sta\u010d\u00ed \u201cpojistka na blbost\u201d, kterou m\u00e1 sjednanou <strong>jeden dosp\u011bl\u00fd \u010dlen dom\u00e1cnosti<\/strong>, tedy typicky rodi\u010d.&nbsp;<\/p>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti se automaticky vztahuje na v\u0161echny osoby, kter\u00e9 s poji\u0161t\u011bn\u00fdm \u017eij\u00ed ve <strong>spole\u010dn\u00e9 dom\u00e1cnosti<\/strong> \u2013 pojistn\u00e1 ochrana se tedy roz\u0161i\u0159uje i na man\u017eela \u010di partnera, d\u011bti a t\u0159eba i va\u0161e rodi\u010de, pokud u v\u00e1s bydl\u00ed. Slovy pojistn\u00fdch podm\u00ednek pak jde o osoby <strong>spolupoji\u0161t\u011bn\u00e9<\/strong>. Pojistka na blbost pro d\u011bti tedy nen\u00ed samostatn\u00fd produkt, ale automatick\u00e1 sou\u010d\u00e1st tohoto poji\u0161t\u011bn\u00ed, p\u0159i\u010dem\u017e za kryt\u00ed dal\u0161\u00edch osob <strong>nezaplat\u00edte ani o korunu nav\u00edc<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed kryje \u0161kody <strong>do sjednan\u00e9ho limitu <\/strong>ve smlouv\u011b bez ohledu na to, kdo z poji\u0161t\u011bn\u00fdch, respektive spolupoji\u0161t\u011bn\u00fdch, \u0161kodu zp\u016fsobil. Limit pln\u011bn\u00ed u poji\u0161t\u011bn\u00ed odpov\u011bdnosti nepodce\u0148ujte &#8211; zvolte kryt\u00ed alespo\u0148 ve v\u00fd\u0161i <strong>5 milion\u016f korun<\/strong>, ide\u00e1ln\u011b pak 10 milion\u016f korun.<strong> <\/strong>Zvl\u00e1\u0161t\u011b u \u00fajmy na zdrav\u00ed se m\u016f\u017ee od\u0161kodn\u011bn\u00ed vy\u0161plhat opravdu vysoko. Za poji\u0161t\u011bn\u00ed s takto vysok\u00fdm limitem pln\u011bn\u00ed ned\u00e1te v\u00edc, ne\u017e tis\u00edcovku ro\u010dn\u011b. Nev\u011b\u0159\u00edte? Srovnejte si ty nejlep\u0161\u00ed nab\u00eddky t\u0159eba hned te\u010f!&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size aligncenter\" style=\"font-size:18px\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/pojisteni-odpovednosti\/\" style=\"background-color:#605db5\">Srovnat poji\u0161t\u011bn\u00ed odpov\u011bdnosti pro celou rodinu<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-je-spolecna-domacnost-a-jak-je-to-s-ditetem-na-internatu-nebo-v-zahranici\">Co je &#8220;spole\u010dn\u00e1 dom\u00e1cnost&#8221; a jak je to s d\u00edt\u011btem na intern\u00e1tu nebo v zahrani\u010d\u00ed?<\/h2>\n\n\n\n<p>Aby byly dal\u0161\u00ed osoby ve smlouv\u011b jedn\u00e9 osoby spolupoji\u0161t\u011bn\u00e9, mus\u00ed s poji\u0161t\u011bn\u00fdm zpravidla sd\u00edlet dom\u00e1cnost, tedy <strong>fakticky s n\u00edm \u017e\u00edt<\/strong>, by\u0165 nemus\u00ed m\u00edt stejnou adresu trval\u00e9ho pobytu. Podm\u00ednkou pro spolupoji\u0161t\u011bn\u00ed b\u00fdv\u00e1 tak\u00e9 pod\u00edlen\u00ed se na chodu dom\u00e1cnosti, co\u017e se d\u011bt\u00ed net\u00fdk\u00e1 a nevylu\u010duje je to z kryt\u00ed.<\/p>\n\n\n\n<p>Pom\u016f\u017ee ale pojistka na blbost uhradit \u0161kodu za d\u00edt\u011b, kter\u00e9 bydl\u00ed p\u0159es t\u00fdden na intern\u00e1tu nebo na koleji? Ano! D\u00edt\u011b je zpravidla pova\u017eov\u00e1no za spolupoji\u0161t\u011bnou osobu i v p\u0159\u00edpad\u011b, \u017ee <strong>\u017eije mimo dom\u00e1cnost rodi\u010d\u016f<\/strong>, pokud studuje prezen\u010dn\u00ed (denn\u00ed) studium a m\u00e1te v\u016f\u010di n\u011bmu vy\u017eivovac\u00ed povinnost &#8211; pojistn\u00e9 kryt\u00ed z va\u0161\u00ed smlouvy tak m\u016f\u017ee vyu\u017e\u00edt a\u017e do 26 let.&nbsp;<\/p>\n\n\n\n<p>A m\u016f\u017ee se pojistka na blbost vztahovat i na \u0161kody, kter\u00e9 zp\u016fsob\u00ed d\u00edt\u011b na t\u0159eba v\u00fdm\u011bnn\u00e9m pobytu<strong> v zahrani\u010d\u00ed<\/strong>? \u00dazemn\u00ed platnost poji\u0161t\u011bn\u00ed odpov\u011bdnosti ob\u010dana je v\u017edy sjedn\u00e1na na celou<strong> Evropu<\/strong>, v p\u0159\u00edpad\u011b studijn\u00edch pobyt\u016f v r\u00e1mci na\u0161eho kontinentu tedy m\u016f\u017eete b\u00fdt v klidu. V p\u0159\u00edpad\u011b, \u017ee d\u00edt\u011b po\u0161lete \u201cdo sv\u011bta\u201d, po\u010d\u00edtejte s t\u00edm, \u017ee \u0161kody mimo Evropu m\u016f\u017ee pokr\u00fdt jen <a href=\"https:\/\/www.rixo.cz\/cestovni-pojisteni\/\">cestovn\u00ed poji\u0161t\u011bn\u00ed<\/a> s <strong>p\u0159ipoji\u0161t\u011bn\u00edm odpov\u011bdnosti <\/strong>v zahrani\u010d\u00ed.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kde-vsude-pojisteni-odpovednosti-dite-kryje\">Kde v\u0161ude poji\u0161t\u011bn\u00ed odpov\u011bdnosti d\u00edt\u011b kryje?<\/h2>\n\n\n\n<p>Pojistka na blbost chr\u00e1n\u00ed poji\u0161t\u011bn\u00e9 dosp\u011bl\u00e9 osoby i d\u011bti v cel\u00e9 \u0159ad\u011b situac\u00ed. Kde ji m\u016f\u017eete vyu\u017e\u00edt, kdy\u017e d\u00edt\u011b zp\u016fsob\u00ed \u0161kodu?<\/p>\n\n\n\n<ul>\n<li><strong>Ve \u0161kole<\/strong>: rozbit\u00e9 br\u00fdle spolu\u017e\u00e1ka p\u0159i honi\u010dce, zni\u010den\u00ed sportovn\u00edho vybaven\u00ed p\u0159i t\u011blocviku nebo rozbit\u00e9 pracovn\u00ed n\u00e1stroje p\u0159i studijn\u00ed praxi.<\/li>\n\n\n\n<li><strong>Na krou\u017eku \u010di na t\u00e1bo\u0159e<\/strong>: po\u0161kozen\u00fd hudebn\u00ed n\u00e1stroj v ZU\u0160, po\u0161kozen\u00fd po\u010d\u00edta\u010d na IT krou\u017eku i sr\u00e1\u017eka s jin\u00fdm d\u00edt\u011btem p\u0159i h\u0159e na letn\u00edm t\u00e1bo\u0159e.<\/li>\n\n\n\n<li><strong>P\u0159i sportu<\/strong>: kolize na sjezdovce, sra\u017een\u00ed se soupe\u0159em na d\u011btsk\u00e9m fotbalov\u00e9m z\u00e1pase nebo spadl\u00e9 kolo do zaparkovan\u00e9ho auta.<\/li>\n\n\n\n<li><strong>U kamar\u00e1d\u016f a v jin\u00fdch dom\u00e1cnostech<\/strong>: rozbit\u00e1 v\u00e1za \u010di polit\u00fd gau\u010d na n\u00e1v\u0161t\u011bv\u011b.<\/li>\n\n\n\n<li><strong>Na ve\u0159ejnosti<\/strong> \u2013 shozen\u00e9 zbo\u017e\u00ed v obchod\u011b nebo rozbit\u00e9 okno m\u00ed\u010dem na ulici.<\/li>\n<\/ul>\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\/07\/little-boy-home-painting-1-1-edited.jpg\" alt=\"pojistka na blbost pro d\u011bti\" class=\"wp-image-4308\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/little-boy-home-painting-1-1-edited.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/little-boy-home-painting-1-1-edited-300x169.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/little-boy-home-painting-1-1-edited-768x432.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/little-boy-home-painting-1-1-edited-100x56.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/little-boy-home-painting-1-1-edited-700x394.jpg 700w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"na-co-si-dat-pozor-co-pojisteni-odpovednosti-nekryje\">Na co si d\u00e1t pozor: Co poji\u0161t\u011bn\u00ed odpov\u011bdnosti nekryje?<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti d\u011bt\u00ed m\u00e1 i svoje limity &#8211; a naraz\u00edte na n\u011b u ka\u017ed\u00e9 poji\u0161\u0165ovny:<\/p>\n\n\n\n<ul>\n<li><strong>\u0160kody v r\u00e1mci rodiny<\/strong> \u2013 pokud d\u00edt\u011b rozbije v\u011bc v\u00e1m, sourozenci nebo jin\u00e9mu \u010dlenovi spole\u010dn\u00e9 dom\u00e1cnosti, poji\u0161\u0165ovna pln\u011bn\u00ed nevyplat\u00ed. Kryje jen \u0161kody zp\u016fsoben\u00e9 t\u0159et\u00edm osob\u00e1m mimo osoby ve spole\u010dn\u00e9 dom\u00e1cnosti \u010di tzv. osoby bl\u00edzk\u00e9.<\/li>\n\n\n\n<li><strong>\u00damysln\u00e9 jedn\u00e1n\u00ed<\/strong> \u2013 schv\u00e1lnosti a \u00famysln\u011b zp\u016fsoben\u00e1 \u0161koda jsou z poji\u0161t\u011bn\u00ed v\u017edy vylou\u010den\u00e9.<\/li>\n\n\n\n<li><strong>\u0160kody zp\u016fsoben\u00e9 zam\u011bstnavateli<\/strong> &#8211; na studentsk\u00fdch brig\u00e1d\u00e1ch poji\u0161t\u011bn\u00ed ob\u010dansk\u00e9 odpov\u011bdnosti nepom\u016f\u017ee, ochranu v tomto p\u0159\u00edpad\u011b poskytuje pouze <a href=\"https:\/\/www.rixo.cz\/pojisteni-odpovednosti-zamestnance\/\">poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance v\u016f\u010di zam\u011bstnavateli<\/a>. Vztahuje se nejen na \u0161kody v zam\u011bstn\u00e1n\u00ed v pracovn\u00edm pom\u011bru, ale i na tzv. \u201cdohody\u201d (DPP, DP\u010c).&nbsp;<\/li>\n\n\n\n<li><strong>\u0160kody na p\u016fj\u010den\u00fdch v\u011bcech nebo elektronice<\/strong> \u2013 pokud si d\u00edt\u011b p\u016fj\u010d\u00ed kamar\u00e1dovo kolo nebo tablet a po\u0161kod\u00ed ho, z\u00e1kladn\u00ed poji\u0161t\u011bn\u00ed takov\u00e9 \u0161kody nekryje. \u0158e\u0161en\u00edm je p\u0159ipoji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu na v\u011bcech u\u017e\u00edvan\u00fdch, pronajat\u00fdch nebo vyp\u016fj\u010den\u00fdch. P\u0159ipojistit je nutn\u00e9 i \u0161kody na drobn\u00e9 elektronice.<\/li>\n\n\n\n<li><strong>\u0160kody zp\u016fsoben\u00e9 motorov\u00fdm vozidlem<\/strong> \u2013 ty toti\u017e spadaj\u00ed pod <a href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\">povinn\u00e9 ru\u010den\u00ed<\/a>, ne pod ob\u010danskou odpov\u011bdnost, co\u017e se t\u00fdk\u00e1 i <a href=\"https:\/\/www.rixo.cz\/povinne-ruceni-pro-elektrokolobezky\/\">siln\u011bj\u0161\u00edch elektrokolob\u011b\u017eek<\/a> a dal\u0161\u00edch v\u00fdkonn\u011bj\u0161\u00edch voz\u00edtek.<\/li>\n<\/ul>\n\n\n\n<p>Nejste si jist\u00ed, jestli va\u0161e sou\u010dasn\u00e1 pojistka na blbost obsahuje v\u0161echna rizika, kter\u00e1 byste cht\u011bli m\u00edt pokryt\u00e1? Nechte si svou smlouvu <a href=\"https:\/\/www.rixo.cz\/kontrola-pojistnych-smluv\/\">zdarma zkontrolovat<\/a> nebo si nab\u00eddky rovnou srovnejte na RIXO.cz. Sta\u010d\u00ed 2 minuty a ihned uvid\u00edte, s jakou nab\u00eddkou z\u00edsk\u00e1te to nej\u0161ir\u0161\u00ed kryt\u00ed za nejlep\u0161\u00ed cenu!<\/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=\"350\" width=\"400\" frameborder=\"0\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/forms\/liability-insurance-form\/\"><\/iframe>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>D\u011bti neum\u00ed v\u017edycky domyslet, co jejich hra nebo chvilkov\u00e1 nepozornost m\u016f\u017ee zp\u016fsobit. Pro p\u0159\u00edpad zp\u016fsoben\u00ed \u0161kody d\u00edt\u011btem nen\u00ed pot\u0159eba speci\u00e1ln\u00ed pojistka na blbost pro d\u011bti, sta\u010d\u00ed m\u00edt jednu pro celou rodinu.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":4306,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,48],"tags":[45],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4304"}],"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=4304"}],"version-history":[{"count":4,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4304\/revisions"}],"predecessor-version":[{"id":4452,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4304\/revisions\/4452"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/4306"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=4304"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=4304"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=4304"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}