{"id":4492,"date":"2026-08-20T10:01:18","date_gmt":"2026-08-20T08:01:18","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=4492"},"modified":"2026-08-20T10:01:20","modified_gmt":"2026-08-20T08:01:20","slug":"zivelni-pojisteni-vozidla","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/zivelni-pojisteni-vozidla\/","title":{"rendered":"\u017diveln\u00ed poji\u0161t\u011bn\u00ed vozidla: Cena 2026, obsah, v\u00fdluky"},"content":{"rendered":"\n<p>S p\u0159ib\u00fdvaj\u00edc\u00edmi extr\u00e9my po\u010das\u00ed roste i riziko \u0161kod na vozidlech zp\u016fsoben\u00fdch t\u0159eba krupobit\u00edm, vich\u0159ic\u00ed nebo povodn\u00ed. Pr\u00e1v\u011b proti t\u011bmto \u0161kod\u00e1m chr\u00e1n\u00ed \u017eiveln\u00ed poji\u0161t\u011bn\u00ed, jinak tak\u00e9 poji\u0161t\u011bn\u00ed \u017eiveln\u00edch ud\u00e1lost\u00ed. Co poji\u0161t\u011bn\u00ed \u017eivlu kryje, kolik v roce 2026 stoj\u00ed a na co si d\u00e1t pozor?<\/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-je-zivelni-pojisteni-vozidla\">Co je \u017eiveln\u00ed poji\u0161t\u011bn\u00ed vozidla?<\/a><\/li><li class=\"\"><a href=\"#jaka-rizika-pojisteni-zivlu-kryje\">Jak\u00e1 rizika poji\u0161t\u011bn\u00ed \u017eivl\u016f kryje?<\/a><ul><li class=\"\"><a href=\"#vichrice\">Vich\u0159ice<\/a><\/li><li class=\"\"><a href=\"#povoden-a-zaplava\">Povode\u0148 a z\u00e1plava\u00a0<\/a><\/li><li class=\"\"><a href=\"#krupobiti\">Krupobit\u00ed<\/a><\/li><li class=\"\"><a href=\"#pozar-a-vybuch\">Po\u017e\u00e1r a v\u00fdbuch<\/a><\/li><li class=\"\"><a href=\"#uder-blesku\">\u00dader blesku<\/a><\/li><li class=\"\"><a href=\"#pad-stromu-a-dalsich-predmetu\">P\u00e1d stromu a dal\u0161\u00edch p\u0159edm\u011bt\u016f<\/a><\/li><li class=\"\"><a href=\"#sesuv-pudy-snehu-a-lavin-zriceni-skal\">Sesuv p\u016fdy, sn\u011bhu a lavin, z\u0159\u00edcen\u00ed skal<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#co-zivelni-pojisteni-u-vozidla-nekryje\">Co \u017eiveln\u00ed poji\u0161t\u011bn\u00ed u vozidla nekryje?<\/a><\/li><li class=\"\"><a href=\"#na-co-si-dat-pozor-pri-sjednani-pojisteni-zivlu\">Na co si d\u00e1t pozor p\u0159i sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed \u017eivl\u016f?<\/a><\/li><li class=\"\"><a href=\"#kolik-stoji-zivelni-pojisteni-v-roce-2026\">Kolik stoj\u00ed \u017eiveln\u00ed poji\u0161t\u011bn\u00ed v roce 2026?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-je-zivelni-pojisteni-vozidla\">Co je \u017eiveln\u00ed poji\u0161t\u011bn\u00ed vozidla?<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed \u017eivl\u016f nep\u0159edstavuje samostatn\u00e9 poji\u0161t\u011bn\u00ed, ale jedno z rizik havarijn\u00edho poji\u0161t\u011bn\u00ed. Sjednat si ho m\u016f\u017eete ale i jako<strong> dopl\u0148kov\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed k povinn\u00e9mu ru\u010den\u00ed,<\/strong> pokud nechcete do kompletn\u00edho havarijn\u00edho poji\u0161t\u011bn\u00ed investovat nebo je va\u0161e auto u\u017e \u201cstar\u0161\u00ed ro\u010dn\u00edk\u201d.&nbsp;<\/p>\n\n\n\n<p>V obou p\u0159\u00edpadech toto poji\u0161t\u011bn\u00ed kryje \u0161kody na vozidle zp\u016fsoben\u00e9 <strong>p\u0159\u00edrodn\u00edmi jevy<\/strong>, kter\u00e9 nez\u00e1vis\u00ed na v\u016fli \u010dlov\u011bka. V nab\u00eddce poji\u0161\u0165oven toto riziko najdete pod n\u00e1zvy \u201c\u017diveln\u00ed ud\u00e1lost\u201d, \u201cPoji\u0161t\u011bn\u00ed \u017eivl\u016f\u201d, \u201cP\u0159\u00edrodn\u00ed nebezpe\u010d\u00ed\u201d nebo jen \u201c\u017divel\u201d.&nbsp;<\/p>\n\n\n\n<p>Pozor d\u00e1vejte na to, \u017ee <strong>rozsah kryt\u00ed i podm\u00ednky<\/strong> pro vznik <a href=\"https:\/\/www.rixo.cz\/slovnik\/pojistna-udalost\/\">pojistn\u00e9 ud\u00e1losti<\/a> se mezi poji\u0161\u0165ovnami mohou li\u0161it. P\u0159ed sjedn\u00e1n\u00edm nab\u00eddky se v\u017edy vyplat\u00ed nahl\u00e9dnout do pojistn\u00fdch podm\u00ednek konkr\u00e9tn\u00edho nab\u00edzen\u00e9ho produktu. Nebo si poji\u0161t\u011bn\u00ed srovnejte na<strong> <\/strong><a href=\"http:\/\/rixo.cz\" target=\"_blank\" rel=\"noopener\"><strong>RIXO.cz<\/strong><\/a>, kde v\u00e1m u\u017e v prvotn\u00edm<strong> srovn\u00e1n\u00ed p\u0159ehledn\u011b uk\u00e1\u017eeme<\/strong>, co jak\u00e1 nab\u00eddka kryje a nekryje!&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-vozidel\/\" style=\"background-color:#605db5\">Srovnat poji\u0161t\u011bn\u00ed auta<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jaka-rizika-pojisteni-zivlu-kryje\">Jak\u00e1 rizika poji\u0161t\u011bn\u00ed \u017eivl\u016f kryje?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"vichrice\">Vich\u0159ice<\/h3>\n\n\n\n<p>U \u010desk\u00fdch poji\u0161\u0165oven jde o jednu z <strong>nej\u010dast\u011bji hl\u00e1\u0161en\u00fdch<\/strong> p\u0159\u00ed\u010din pojistn\u00fdch ud\u00e1lost\u00ed v \u017eiveln\u00edm poji\u0161t\u011bn\u00ed vozidel. <strong>Vich\u0159ice, tedy v\u00edtr o rychlosti alespo\u0148 75 km\/h<\/strong>, m\u016f\u017ee auto po\u0161kodit p\u0159\u00edmo i nep\u0159\u00edmo. V\u0161ak si vzpome\u0148te na odl\u00e9t\u00e1vaj\u00edc\u00ed st\u0159e\u0161n\u00ed ta\u0161ky, dopravn\u00ed zna\u010den\u00ed nebo spadl\u00e9 stromy. \u0160kody mohou b\u00fdt \u010d\u00e1ste\u010dn\u00e9 (nap\u0159\u00edklad po\u0161kozen\u00ed karoserie nebo rozbit\u00ed skel), ale \u010dasto tak\u00e9 <a href=\"https:\/\/www.rixo.cz\/blog\/co-je-totalni-skoda-a-jak-se-resi\/\">tot\u00e1ln\u00ed<\/a>. Riziko vich\u0159ice v poji\u0161t\u011bn\u00ed samoz\u0159ejm\u011b zahrnuje i rychlej\u0161\u00ed v\u00edtr dle <a href=\"http:\/\/slovnik.cmes.cz\/heslo\/3697\" target=\"_blank\" rel=\"noopener\">Beaufortovy stupnice<\/a> &#8211; tedy <strong>ork\u00e1n a d\u00e1le i torn\u00e1do<\/strong>. Za vich\u0159ici ale n\u011bkter\u00e9 poji\u0161\u0165ovny mohou pova\u017eovat i v\u00edtr pomalej\u0161\u00ed ne\u017e 75 km\/h, jedn\u00e1 se ale o v\u00fdjimky &#8211; nap\u0159\u00edklad Direct poji\u0161\u0165ovna uzn\u00e1v\u00e1 u\u017e rychlost v\u011btru 50 km\/h.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"povoden-a-zaplava\">Povode\u0148 a z\u00e1plava&nbsp;<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.rixo.cz\/blog\/povoden-vs-zaplava-pojisteni\/\"><strong>Povodn\u011b a z\u00e1plavy <\/strong>sice vznikaj\u00ed z jin\u00fdch p\u0159\u00ed\u010din<\/a>, v\u00fdsledek je pro va\u0161e auto ale stejn\u00fd &#8211; a\u0165 u\u017e se voda vyl\u00e9v\u00e1 z \u0159\u00ed\u010dn\u00edho koryta nebo jde o z\u00e1plavu zp\u016fsobenou p\u0159\u00edvalov\u00fdmi de\u0161ti. \u0160kody na elektronice, vytopen\u00fd interi\u00e9r nebo <a href=\"https:\/\/www.rixo.cz\/blog\/voda-v-motoru\/\">voda v motoru<\/a> nejsou ni\u010d\u00edm vz\u00e1cn\u00fdm, a tak\u00e9 \u010dasto kon\u010d\u00ed tot\u00e1ln\u00ed \u0161kodou. Pozor si dejte na to, \u017ee pokud do zaplaven\u00e9 oblasti sami vjedete, poji\u0161\u0165ovna m\u016f\u017ee pln\u011bn\u00ed odm\u00edtnout nebo <a href=\"https:\/\/www.rixo.cz\/slovnik\/kraceni-plneni\/\">kr\u00e1tit<\/a>. Principem pojistn\u00e9 ochrany je kryt\u00ed nahodil\u00e9 ud\u00e1losti, nikoli tak\u0159ka jist\u00fdch \u0161kod. S t\u00edm souvis\u00ed i b\u011b\u017en\u011b <strong>sjedn\u00e1van\u00e1 \u010dekac\u00ed doba<\/strong> pro kryt\u00ed povodn\u011b v d\u00e9lce 10 dn\u016f. Kdy\u017e u\u017e p\u0159edpov\u011bdi po\u010das\u00ed hl\u00e1s\u00ed velkou vodu b\u011bhem p\u0159\u00ed\u0161t\u00edch 7 dn\u016f, rychl\u00e9 sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed v\u00e1m nepom\u016f\u017ee.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"krupobiti\">Krupobit\u00ed<\/h3>\n\n\n\n<p>Kroupy pat\u0159\u00ed mezi \u010dast\u00e9 p\u0159\u00ed\u010diny \u0161kod na karoseri\u00edch, sv\u011btlometech a sklech vozidel &#8211; ka\u017ed\u00e1 bou\u0159ka s krupobit\u00edm v \u010cesku znamen\u00e1 tis\u00edce nov\u00fdch pojistn\u00fdch ud\u00e1lost\u00ed. Pr\u016fm\u011brn\u00e1 \u0161koda na aut\u011b po krupobit\u00ed \u010din\u00ed \u201cjen\u201d <strong>50 000 K\u010d<\/strong>, ale u dra\u017e\u0161\u00edch nebo v\u011bt\u0161\u00edch voz\u016f snadno p\u0159es\u00e1hne <strong>100 000 K\u010d.<\/strong> Rozbit\u00ed skel kroupami m\u016f\u017ee v n\u011bkter\u00fdch p\u0159\u00edpadech nav\u00edc znamenat i vstupn\u00ed br\u00e1nu pro zate\u010den\u00ed vody do elektroinstalace, co\u017e fin\u00e1ln\u00ed \u00fa\u010det v\u00fdrazn\u011b prodra\u017e\u00ed.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"pozar-a-vybuch\">Po\u017e\u00e1r a v\u00fdbuch<\/h3>\n\n\n\n<p>A\u0165 u\u017e jde o po\u017e\u00e1r vznikl\u00fd extr\u00e9mn\u00edm horkem, nebo je zp\u016fsoben\u00fd \u010dlov\u011bkem \u010di technickou poruchou, poji\u0161t\u011bn\u00ed \u017eivl\u016f \u0161kodu na vozidle zaplat\u00ed, pokud jde o <strong>po\u017e\u00e1r, kter\u00fd se vlastn\u00ed silou \u0161\u00ed\u0159\u00ed<\/strong>. Po\u017e\u00e1ry p\u0159irozen\u011b \u010dasto znamenaj\u00ed<strong> tot\u00e1ln\u00ed \u0161kodu<\/strong>. Samotn\u00fd po\u017e\u00e1r m\u016f\u017ee zp\u016fsobit v\u00fdbuch, mezi <strong>v\u00fdbuchy<\/strong> ale poji\u0161\u0165ovny \u0159ad\u00ed i p\u016fsoben\u00ed tlakov\u00fdch sil plyn\u016f a par z jin\u00fdch p\u0159\u00ed\u010din. Pokud by ale \u0161lo o <strong>\u00famysln\u00e9 zap\u00e1len\u00ed<\/strong> pr\u00e1v\u011b va\u0161eho auta \u010dlov\u011bkem, hod\u00ed se m\u00edt poji\u0161t\u011bn\u00e9 <strong>riziko vandalismu<\/strong>.&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"uder-blesku\">\u00dader blesku<\/h3>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed pokryje po\u0161kozen\u00ed vozidla <strong>p\u0159\u00edm\u00fdm z\u00e1sahem blesku<\/strong>. Podm\u00ednkou b\u00fdv\u00e1 mo\u017enost zjistit m\u00edsto \u00faderu blesku podle tepeln\u00fdch a dal\u0161\u00edch stop na poji\u0161t\u011bn\u00e9m vozidle. \u00dader blesku do auta m\u016f\u017ee znamenat jak po\u0161kozen\u00ed elektroniky, tak i karoserie vozidla, n\u00e1sledn\u00fd potenci\u00e1ln\u00ed po\u017e\u00e1r pak op\u011bt \u010dasto znamen\u00e1 tot\u00e1ln\u00ed \u0161kodu. Zat\u00edmco v\u00e1m zn\u00e1m\u00fd princip Faradayovy klece poskytuje v aut\u011b <a href=\"https:\/\/www.rixo.cz\/blog\/uder-blesku-do-cloveka-je-raritou-ale-deje-se-jak-se-chranit\/\">p\u0159i bou\u0159ce bezpe\u010d\u00ed<\/a>, samotn\u00e9 vozidlo nese n\u00e1sledky \u00faderu blesku podstat\u011b h\u016f\u0159e.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"pad-stromu-a-dalsich-predmetu\">P\u00e1d stromu a dal\u0161\u00edch p\u0159edm\u011bt\u016f<\/h3>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed p\u00e1du p\u0159edm\u011bt\u016f je praktick\u00e9 zvl\u00e1\u0161\u0165 v p\u0159\u00edpad\u011b, pokud parkujete pod stromy. Kryje \u0161kody, pokud na auto spadne strom, v\u011btev, ale t\u0159eba i sloup ve\u0159ejn\u00e9ho osv\u011btlen\u00ed, billboard nebo \u010d\u00e1st st\u0159echy str\u017een\u00e1 v\u011btrem. D\u016fle\u017eit\u00e9 je v takov\u00e9m p\u0159\u00edpad\u011b ale tak\u00e9 \u0161kod\u00e1m podle sv\u00e9ho nejlep\u0161\u00edho v\u011bdom\u00ed a sv\u011bdom\u00ed p\u0159edch\u00e1zet &#8211; n\u00e1hradu \u0161kody za zdemolovan\u00e9 auto kv\u016fli parkov\u00e1n\u00ed pod zjevn\u011b naklon\u011bn\u00fdm such\u00fdm stromem z poji\u0161\u0165ovny nedostanete. U n\u011bkter\u00fdch poji\u0161\u0165oven nav\u00edc toto riziko nenajdete mezi \u017eivly, ale v <a href=\"https:\/\/www.rixo.cz\/blog\/havarijni-pojisteni-pojisteni-havarie\/\">poji\u0161t\u011bn\u00ed hav\u00e1rie<\/a>.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"sesuv-pudy-snehu-a-lavin-zriceni-skal\">Sesuv p\u016fdy, sn\u011bhu a lavin, z\u0159\u00edcen\u00ed skal<\/h3>\n\n\n\n<p>M\u00e9n\u011b \u010dast\u00e9, ale v n\u011bkter\u00fdch regionech rozhodn\u011b relevantn\u00ed riziko. Kryje \u0161kody zp\u016fsoben\u00e9 sesuvem p\u016fdy, padaj\u00edc\u00edm kamen\u00edm, sn\u011bhem \u010di ledem. Zahrnuje i tzv. \u201ct\u00edhu sn\u011bhu\u201d, tedy po\u0161kozen\u00ed vozidla vahou napadan\u00e9ho sn\u011bhu nebo ledu. V nab\u00eddk\u00e1ch n\u011bkter\u00fdch poji\u0161\u0165oven m\u016f\u017eete narazit i na podobn\u011b ni\u010div\u00e1 m\u00e9n\u011b \u010dast\u00e1 rizika, jako je nap\u0159\u00edklad zem\u011bt\u0159esen\u00ed.&nbsp;<\/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\/08\/natural-disaster-landscape-1-1-edited.jpg\" alt=\"\u017eiveln\u00ed poji\u0161t\u011bn\u00ed vozidla\" class=\"wp-image-4496\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/08\/natural-disaster-landscape-1-1-edited.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/08\/natural-disaster-landscape-1-1-edited-300x169.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/08\/natural-disaster-landscape-1-1-edited-768x432.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/08\/natural-disaster-landscape-1-1-edited-100x56.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/08\/natural-disaster-landscape-1-1-edited-700x394.jpg 700w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-zivelni-pojisteni-u-vozidla-nekryje\">Co \u017eiveln\u00ed poji\u0161t\u011bn\u00ed u vozidla nekryje?<\/h2>\n\n\n\n<p>I u \u017eiveln\u00edch rizik najdete \u0159adu <a href=\"https:\/\/www.rixo.cz\/slovnik\/vyluky-z-pojisteni\/\">v\u00fdluk<\/a>, kter\u00e9 se snadno p\u0159ehl\u00e9dnou. Nej\u010dast\u011bji jde o:<\/p>\n\n\n\n<ul>\n<li>dlouhodob\u00e9 p\u016fsoben\u00ed p\u0159\u00edrodn\u00edch vliv\u016f, jako je koroze nebo postupn\u00e9 opot\u0159eben\u00ed,<\/li>\n\n\n\n<li>\u0161kody zp\u016fsoben\u00e9 hrubou nedbalost\u00ed (nap\u0159. vjet\u00edm do ji\u017e zaplaven\u00e9 oblasti),<\/li>\n\n\n\n<li>technick\u00e9 z\u00e1vady vozidla nesouvisej\u00edc\u00ed s \u017eiveln\u00ed pohromou,<\/li>\n\n\n\n<li>\u0161kody zp\u016fsoben\u00e9 n\u00e1razem a st\u0159etem, dopravn\u00ed nehodou za nep\u0159\u00edzniv\u00e9ho po\u010das\u00ed, kde je uplat\u0148ov\u00e1no poji\u0161t\u011bn\u00ed hav\u00e1rie.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"na-co-si-dat-pozor-pri-sjednani-pojisteni-zivlu\">Na co si d\u00e1t pozor p\u0159i sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed \u017eivl\u016f?<\/h2>\n\n\n\n<p>Krom\u011b samotn\u00e9ho seznamu poji\u0161t\u011bn\u00fdch rizik se vyplat\u00ed zkontrolovat i nastaven\u00ed smlouvy, a to zejm\u00e9na <strong>limit pln\u011bn\u00ed<\/strong>. Limit p\u0159ipoji\u0161t\u011bn\u00ed by m\u011bl v\u017edy odpov\u00eddat aktu\u00e1ln\u00ed hodnot\u011b vozidla, a to nejen z pohledu hroz\u00edc\u00ed tot\u00e1ln\u00ed \u0161kody na vozidle. <a href=\"https:\/\/www.rixo.cz\/blog\/podpojisteni-aut\/\">Podpoji\u0161t\u011bn\u00ed auta<\/a> toti\u017e znamen\u00e1 tak\u00e9 pom\u011brn\u00e9 kr\u00e1cen\u00ed pln\u011bn\u00ed i p\u0159i \u201cmen\u0161\u00ed\u201d pojistn\u00e9 ud\u00e1losti.<\/p>\n\n\n\n<p>Pozornost v\u011bnujte i <strong>spolu\u00fa\u010dasti<\/strong>. Vy\u0161\u0161\u00ed spolu\u00fa\u010dast sni\u017euje cenu poji\u0161t\u011bn\u00ed, ale zvy\u0161uje va\u0161e n\u00e1klady p\u0159i \u0161kod\u011b. V samotn\u00e9m p\u0159ipoji\u0161t\u011bn\u00ed \u017eivl\u016f je spolu\u00fa\u010dast ni\u017e\u0161\u00ed, ne\u017e t\u0159eba v poji\u0161t\u011bn\u00ed hav\u00e1rie, myslete ale na to, \u017ee do chv\u00edle dod\u00e1n\u00ed fotografi\u00ed vozidla poji\u0161\u0165ovn\u011b se m\u016f\u017ee uplatnit a\u017e 90% spolu\u00fa\u010dast.<\/p>\n\n\n\n<p>P\u0159\u00edjemnou zpr\u00e1vou pro v\u00e1s m\u016f\u017ee b\u00fdt fakt, \u017ee poji\u0161t\u011bn\u00ed \u017eivl\u016f m\u00e1 stejn\u011b jako jin\u00e1 rizika v havarijn\u00edm poji\u0161t\u011bn\u00ed<strong> \u00fazemn\u00ed platnost<\/strong> nastavenou na celou Evropu mimo vylou\u010den\u00fdch zem\u00ed (typicky Rusko, B\u011blorusko apod.). Pokud va\u0161e auto zastihne p\u0159\u00edrodn\u00ed katastrofa cestou na dovolenou, nijak se tedy ochrana neomezuje. Myslete ale tak\u00e9 na <a href=\"https:\/\/www.rixo.cz\/blog\/pojisteni-auta-do-zahranici\/\">adekv\u00e1tn\u00ed asisten\u010dn\u00ed slu\u017eby v zahrani\u010d\u00ed<\/a>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kolik-stoji-zivelni-pojisteni-v-roce-2026\">Kolik stoj\u00ed \u017eiveln\u00ed poji\u0161t\u011bn\u00ed v roce 2026?<\/h2>\n\n\n\n<p>Jako samostatn\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed vyjde \u017eiveln\u00ed riziko obvykle na stovky korun ro\u010dn\u011b, sjednat ho lze ale do omezen\u00e9ho limitu &#8211; u n\u011bkter\u00fdch poji\u0161\u0165oven m\u016f\u017ee j\u00edt o 100, 150 a\u017e 200 000 K\u010d. V r\u00e1mci kompletn\u00edho havarijn\u00edho poji\u0161t\u011bn\u00ed se prom\u00edt\u00e1 do celkov\u00e9 ceny bal\u00ed\u010dku, kter\u00e1 m\u016f\u017ee \u010dinit i 10 000 K\u010d ro\u010dn\u011b.&nbsp;<\/p>\n\n\n\n<p>Poj\u010fme se pod\u00edvat, kolik v\u00e1s m\u016f\u017ee st\u00e1t samostatn\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed \u017eivl\u016f k povinn\u00e9mu ru\u010den\u00ed. Kolik za n\u011bj zaplat\u00edte, z\u00e1vis\u00ed krom\u011b vlastnost\u00ed vozidla nebo individu\u00e1ln\u00edch \u00fadaj\u016f pojistn\u00edka, jako je nap\u0159\u00edklad <a href=\"https:\/\/www.rixo.cz\/slovnik\/bonus-malus\/\">bonus a malus<\/a>, p\u0159edev\u0161\u00edm na <strong>hodnot\u011b vozidla <\/strong>a <a href=\"https:\/\/www.rixo.cz\/slovnik\/spoluucast\/\"><strong>nastaven\u00e9 spolu\u00fa\u010dasti<\/strong><\/a>, ale t\u0159eba i na tom, zda parkujete v gar\u00e1\u017ei, nebo venku. A rozhoduje samoz\u0159ejm\u011b i <strong>cenov\u00e1 politika poji\u0161\u0165oven <\/strong>&#8211; toto\u017en\u00e9 nab\u00eddky se mezi r\u016fzn\u00fdmi poji\u0161\u0165ovnami mohou li\u0161it o vy\u0161\u0161\u00ed tis\u00edce korun.&nbsp;<\/p>\n\n\n\n<p>P\u0159edstavu o cen\u011b v\u00e1m m\u016f\u017ee p\u0159ibl\u00ed\u017eit kalkulace povinn\u00e9ho ru\u010den\u00ed s p\u0159ipoji\u0161t\u011bn\u00edm \u017eiveln\u00edch ud\u00e1lost\u00ed pro vozidlo \u0160koda Octavia vyroben\u00e9 v roce 2016 s hodnotou vozidla 150 000 K\u010d a ro\u010dn\u00edm n\u00e1jezdem 15 000 km pro 50let\u00e9ho \u0159idi\u010de z Moravskoslezsk\u00e9ho kraje. Nejv\u00fdhodn\u011bj\u0161\u00ed nab\u00eddky se pohybuj\u00ed u\u017e kolem 3 900 K\u010d.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>Pillow<\/strong><\/td><td><strong>Allianz<\/strong><\/td><td><strong>UNIQA<\/strong><\/td><td><strong>\u010cSOB Poji\u0161\u0165ovna<\/strong><\/td><td><strong>Slavia<\/strong><\/td><\/tr><tr><td>Limit povinn\u00e9ho ru\u010den\u00ed<\/td><td>70\/70 mil. K\u010d<\/td><td>70\/70 mil. K\u010d<\/td><td>60\/60 mil. K\u010d<\/td><td>100\/100 mil. K\u010d<\/td><td>4 873 K\u010d<\/td><\/tr><tr><td>Limit poji\u0161t\u011bn\u00ed \u017eivl\u016f<\/td><td>Obvykl\u00e1 cena vozidla<\/td><td>Obvykl\u00e1 cena vozidla<\/td><td>150 000 K\u010d<\/td><td>150 000 K\u010d<\/td><td>200 000 K\u010d<\/td><\/tr><tr><td>Spolu\u00fa\u010dast poji\u0161t\u011bn\u00ed \u017eivl\u016f<\/td><td>Bez spolu\u00fa\u010dasti<\/td><td>5 000 K\u010d<\/td><td>2 000 K\u010d<\/td><td>500 K\u010d<\/td><td>500 K\u010d<\/td><\/tr><tr><td>Cena poji\u0161t\u011bn\u00ed \u017eivl\u016f<\/td><td>168 K\u010d<\/td><td>V cen\u011b<\/td><td>1 037 K\u010d<\/td><td>1 100 K\u010d<\/td><td>1 496 K\u010d<\/td><\/tr><tr><td><strong>Cena\/rok&nbsp;<\/strong><\/td><td><strong>3 876 K\u010d<\/strong><\/td><td><strong>4 120 K\u010d<\/strong><\/td><td><strong>4 187 K\u010d<\/strong><\/td><td><strong>4 776 K\u010d<\/strong><\/td><td><strong>4 873 K\u010d<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Zaj\u00edm\u00e1 v\u00e1s, na kolik vyjde poji\u0161t\u011bn\u00ed auta s p\u0159ipoji\u0161t\u011bn\u00edm \u017eiveln\u00edch ud\u00e1lost\u00ed pro va\u0161e auto? Srovnejte si povinn\u00e9 ru\u010den\u00ed nebo havarijn\u00ed poji\u0161t\u011bn\u00ed na <a href=\"http:\/\/rixo.cz\" target=\"_blank\" rel=\"noopener\">RIXO.cz<\/a> a b\u011bhem dvou minut v\u00e1m uk\u00e1\u017eeme ty nejlep\u0161\u00ed nab\u00eddky pr\u00e1v\u011b pro v\u00e1s!&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=\"460\" 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>S p\u0159ib\u00fdvaj\u00edc\u00edmi extr\u00e9my po\u010das\u00ed roste i riziko \u0161kod na vozidlech zp\u016fsoben\u00fdch t\u0159eba krupobit\u00edm, vich\u0159ic\u00ed nebo povodn\u00ed. Pr\u00e1v\u011b proti t\u011bmto \u0161kod\u00e1m chr\u00e1n\u00ed \u017eiveln\u00ed poji\u0161t\u011bn\u00ed, jinak tak\u00e9 poji\u0161t\u011bn\u00ed \u017eiveln\u00edch ud\u00e1lost\u00ed. Co poji\u0161t\u011bn\u00ed \u017eivlu kryje, kolik v roce 2026 stoj\u00ed a na co si d\u00e1t pozor?<\/p>\n","protected":false},"author":11,"featured_media":4494,"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\/4492"}],"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=4492"}],"version-history":[{"count":3,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4492\/revisions"}],"predecessor-version":[{"id":4501,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4492\/revisions\/4501"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/4494"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=4492"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=4492"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=4492"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}