{"id":4734,"date":"2026-11-05T09:34:02","date_gmt":"2026-11-05T08:34:02","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=4734"},"modified":"2026-11-05T09:34:04","modified_gmt":"2026-11-05T08:34:04","slug":"pojisteni-karavanu","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/pojisteni-karavanu\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed karavanu: Cena, co si pojistit a jak na to"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Poji\u0161t\u011bn\u00ed karavanu m\u00e1 sv\u00e1 specifika. Nezapome\u0148te na povinn\u00e9 ru\u010den\u00ed, kter\u00e9 mus\u00edte m\u00edt ze z\u00e1kona, ale ani na havarijn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 se u drah\u00e9ho obytn\u00e9ho p\u0159\u00edv\u011bsu s vybaven\u00edm t\u00e9m\u011b\u0159 v\u017edy vyplat\u00ed. Povinn\u00e9 ru\u010den\u00ed na karavan vyjde v\u011bt\u0161inou jen na stovky korun ro\u010dn\u011b, havarijn\u00ed poji\u0161t\u011bn\u00ed v\u00e1s u\u017e ale m\u016f\u017ee st\u00e1t i deset tis\u00edc ro\u010dn\u011b. Jak se v tom vyznat a na co si d\u00e1t pozor, ne\u017e vyraz\u00edte na cesty?<\/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=\"#jake-pojisteni-karavan-potrebuje\">Jak\u00e9 poji\u0161t\u011bn\u00ed karavan pot\u0159ebuje?<\/a><\/li><li class=\"\"><a href=\"#karavan-a-tazne-auto-jake-jsou-rozdily-v-pojisteni-odpovednosti-z-provozu-vozidla\">Karavan a ta\u017en\u00e9 auto: Jak\u00e9 jsou rozd\u00edly v poji\u0161t\u011bn\u00ed odpov\u011bdnosti z provozu vozidla?<\/a><\/li><li class=\"\"><a href=\"#jak-si-karavan-pojistit\">Jak si karavan pojistit?<\/a><\/li><li class=\"\"><a href=\"#kolik-stoji-pojisteni-karavanu\">Kolik stoj\u00ed poji\u0161t\u011bn\u00ed karavanu?<\/a><\/li><li class=\"\"><a href=\"#caste-otazky\">\u010cast\u00e9 ot\u00e1zky<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 id=\"jake-pojisteni-karavan-potrebuje\" class=\"wp-block-heading\">Jak\u00e9 poji\u0161t\u011bn\u00ed karavan pot\u0159ebuje?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Karavan<\/strong> je obytn\u00fd p\u0159\u00edv\u011bs bez vlastn\u00edho pohonu \u2013 tedy jde o p\u0159\u00edpojn\u00e9 vozidlo ta\u017een\u00e9 jin\u00fdm vozidlem. Z hlediska z\u00e1kona ale jde o samostatn\u00e9 vozidlo s vlastn\u00ed registra\u010dn\u00ed zna\u010dkou a pot\u0159ebuje tedy i vlastn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Povinn\u00e9 ru\u010den\u00ed<\/strong> je povinn\u00e9 pro ka\u017ed\u00e9 vozidlo s vlastn\u00ed registra\u010dn\u00ed zna\u010dkou (SPZ) a technick\u00fdm pr\u016fkazem, tedy i pro karavan. <a href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\">Povinn\u00e9 ru\u010den\u00ed<\/a> ta\u017en\u00e9ho auta ho nenahrad\u00ed. Bez poji\u0161t\u011bn\u00ed hroz\u00ed pokuta a povinnost uhradit <a href=\"https:\/\/www.rixo.cz\/blog\/pokuta-od-ckp\/\">p\u0159\u00edsp\u011bvek do Garan\u010dn\u00edho fondu \u010cKP<\/a>.<\/li>\n\n\n\n<li><strong>Havarijn\u00ed poji\u0161t\u011bn\u00ed<\/strong> je dobrovoln\u00e9 a m\u016f\u017ee kr\u00fdt \u0161kody na karavanu z d\u016fvodu hav\u00e1rie, odcizen\u00ed, vandalismu i \u017eiveln\u00edch \u0161kod.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 id=\"karavan-a-tazne-auto-jake-jsou-rozdily-v-pojisteni-odpovednosti-z-provozu-vozidla\" class=\"wp-block-heading\">Karavan a ta\u017en\u00e9 auto: Jak\u00e9 jsou rozd\u00edly v poji\u0161t\u011bn\u00ed odpov\u011bdnosti z provozu vozidla?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Karavan a ta\u017en\u00e9 auto jsou dv\u011b samostatn\u00e1 vozidla. Vin\u00edkem \u0161kod zp\u016fsoben\u00fdch j\u00edzdn\u00ed soupravou (tedy soupravou ta\u017en\u00e9ho vozidla s p\u0159\u00edv\u011bsem) je zpravidla ta\u017en\u00e9 vozidlo a \u0161kody jsou tedy hrazeny z povinn\u00e9ho ru\u010den\u00ed ta\u017en\u00e9ho auta.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Povinn\u00e9 ru\u010den\u00ed karavanu, tedy p\u0159\u00edv\u011bsu bez motorizace, prakticky slou\u017e\u00ed zejm\u00e9na pro kryt\u00ed \u0161kod, kter\u00e9 karavan zp\u016fsob\u00ed s\u00e1m, nebo se na zp\u016fsoben\u00ed nehody nebo zhor\u0161en\u00ed jej\u00edch n\u00e1sledk\u016f pod\u00edl\u00ed spole\u010dn\u011b s ta\u017en\u00fdm vozidlem.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>V jak\u00fdch situac\u00edch m\u016f\u017ee vzniknout \u0161koda provozem karavanu?&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>technick\u00e1 z\u00e1vada obytn\u00e9ho p\u0159\u00edv\u011bsu za j\u00edzdy vyvol\u00e1 kolizi;<\/li>\n\n\n\n<li>obytn\u00fd p\u0159\u00edv\u011bs se s\u00e1m rozjede nebo p\u0159evr\u00e1t\u00ed,<\/li>\n\n\n\n<li>p\u0159\u00edpojn\u00e9 vozidlo se na vzniku \u0161kody pod\u00edl\u00ed spole\u010dn\u011b s ta\u017en\u00fdm vozidlem.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Vzhledem k tomu, \u017ee zp\u016fsobit \u0161kodu karavanem je relativn\u011b obt\u00ed\u017en\u011bj\u0161\u00ed, ne\u017e ji zp\u016fsobit samotn\u00fdm ta\u017en\u00fdm vozidlem, limity pln\u011bn\u00ed u povinn\u00e9ho ru\u010den\u00ed nemus\u00edte v r\u00e1mci poji\u0161t\u011bn\u00ed karavanu p\u0159\u00edli\u0161 nadsazovat. Zam\u011b\u0159te se na vy\u0161\u0161\u00ed limity povinn\u00e9ho ru\u010den\u00ed u ta\u017en\u00e9ho vozidla (70\u2013100 mil. K\u010d), u karavanu pak m\u016f\u017eete zvolit limit pln\u011bn\u00ed pro \u0161kody na zdrav\u00ed a majetku t\u0159et\u00edch osob ve v\u00fd\u0161i 50\u201370 mil. K\u010d.&nbsp;<\/p>\n\n\n\n<h2 id=\"jak-si-karavan-pojistit\" class=\"wp-block-heading\">Jak si karavan pojistit?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sjedn\u00e1n\u00ed povinn\u00e9ho ru\u010den\u00ed se nevyhnete. Vzhledem k tomu, \u017ee karavany b\u011b\u017en\u011b stoj\u00ed 400\u2013 800 000 K\u010d, se ale vyplat\u00ed chr\u00e1nit je tak\u00e9 havarijn\u00edm poji\u0161t\u011bn\u00edm. P\u0159i sjedn\u00e1n\u00ed havarijn\u00edho poji\u0161t\u011bn\u00ed je z\u00e1sadn\u00ed nastaven\u00ed spr\u00e1vn\u00e9ho limitu pln\u011bn\u00ed havarijn\u00edch rizik. Ten by m\u011bl odpov\u00eddat aktu\u00e1ln\u00ed tr\u017en\u00ed hodnot\u011b karavanu <strong>v\u010detn\u011b vybaven\u00ed<\/strong>. I na vnit\u0159n\u00ed sou\u010d\u00e1sti vozidla, kter\u00e9 jsou s n\u00edm pevn\u011b spojen\u00e9, se toti\u017e havarijn\u00ed poji\u0161t\u011bn\u00ed vztahuje.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i sjedn\u00e1n\u00ed havarijn\u00edho poji\u0161t\u011bn\u00ed karavanu je nem\u00e9n\u011b d\u016fle\u017eit\u00fd i v\u00fdb\u011br poji\u0161t\u011bn\u00fdch rizik:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Hav\u00e1rie<\/strong>: p\u0159\u00edv\u011bsem sice \u0161kodu pravd\u011bpodobn\u011b nezp\u016fsob\u00edte, ale \u0161kody na p\u0159\u00edv\u011bsu v d\u016fsledku hav\u00e1rie jsou naopak velmi \u010dast\u00e9. Doj\u00edt k nim m\u016f\u017ee nap\u0159\u00edklad couv\u00e1n\u00edm a n\u00e1razem do p\u0159ek\u00e1\u017eky, parkov\u00e1n\u00edm a dal\u0161\u00edmi man\u00e9vry. Poji\u0161t\u011bn\u00ed hav\u00e1rie se hod\u00ed i pro p\u0159\u00edpad v\u00e1mi nezavin\u011bn\u00e9 nehody, kdy nen\u00ed zn\u00e1m jej\u00ed vin\u00edk a \u0161kodu v\u00e1m tedy nepokryje jeho povinn\u00e9 ru\u010den\u00ed.&nbsp;<\/li>\n\n\n\n<li><strong>\u017diveln\u00ed \u0161kody:<\/strong> krupobit\u00ed, vich\u0159ice, povodn\u011b a z\u00e1plavy a jin\u00e9 \u017eiveln\u00ed ud\u00e1losti mohou zp\u016fsobit \u0161kody v \u0159\u00e1du statis\u00edc\u016f korun i tot\u00e1ln\u00ed \u0161kodu.<\/li>\n\n\n\n<li><strong>Odcizen\u00ed a<\/strong> <a href=\"https:\/\/www.rixo.cz\/blog\/pojisteni-vandalismu-kolik-stoji\/\"><strong>vandalismus<\/strong><\/a><strong>:<\/strong> \u00famysln\u00e9 \u0161kody zp\u016fsoben\u00e9 t\u0159et\u00edmi osobami lze pojistit i u obytn\u00e9ho p\u0159\u00edv\u011bsu, vhodn\u00e9 je myslet tak\u00e9 na dostate\u010dn\u00e9 mechanick\u00e9 a elektronick\u00e9 zabezpe\u010den\u00ed.<\/li>\n\n\n\n<li><strong>Vybaven\u00ed karavanu:<\/strong> Pro adekv\u00e1tn\u00ed ochranu vybaven\u00ed, kter\u00e9 <strong>nen\u00ed pevn\u011b zabudovan\u00e9<\/strong> v obytn\u00e9m p\u0159\u00edv\u011bsu, je vhodn\u00e9 v pojistn\u00e9 smlouv\u011b sjednat tak\u00e9 <a href=\"https:\/\/www.rixo.cz\/blog\/jak-na-pojisteni-veci-v-aute\/\"><strong>poji\u0161t\u011bn\u00ed zavazadel<\/strong><\/a> <strong>s odpov\u00eddaj\u00edc\u00edm limitem kryt\u00ed<\/strong>.&nbsp;<\/li>\n\n\n\n<li><strong>Asisten\u010dn\u00ed slu\u017eby:<\/strong> poji\u0161t\u011bn\u00ed asistence pro p\u0159\u00edpad nehody i poruchy m\u016f\u017ee m\u00edt v\u00fdznam v p\u0159\u00edpad\u011b po\u0161kozen\u00ed karavanu i ta\u017en\u00e9ho vozidla. Pozornost v\u011bnujte p\u0159edev\u0161\u00edm v\u00fd\u0161i limit\u016f asisten\u010dn\u00edch slu\u017eeb v \u010cR a v zahrani\u010d\u00ed.&nbsp;<\/li>\n<\/ul>\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\/11\/shot-white-old-travel-trailer-ground-1-1-edited.jpg\" alt=\"poji\u0161t\u011bn\u00ed karavanu\" class=\"wp-image-4736\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/11\/shot-white-old-travel-trailer-ground-1-1-edited.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/11\/shot-white-old-travel-trailer-ground-1-1-edited-300x169.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/11\/shot-white-old-travel-trailer-ground-1-1-edited-768x432.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/11\/shot-white-old-travel-trailer-ground-1-1-edited-100x56.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/11\/shot-white-old-travel-trailer-ground-1-1-edited-700x393.jpg 700w\" data-sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 id=\"kolik-stoji-pojisteni-karavanu\" class=\"wp-block-heading\">Kolik stoj\u00ed poji\u0161t\u011bn\u00ed karavanu?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cena poji\u0161t\u011bn\u00ed karavanu z\u00e1vis\u00ed na \u0159ad\u011b faktor\u016f. Mezi cenotvorn\u00e9 faktory povinn\u00e9ho ru\u010den\u00ed pat\u0159\u00ed jak \u00fadaje o pojistn\u00edkovi (lokalita, v\u011bk a \u0159idi\u010dsk\u00e1 historie, tedy <a href=\"https:\/\/www.rixo.cz\/slovnik\/bonus-malus\/\">bonusy a malusy<\/a>), tak i vlastnosti vozidla, v p\u0159\u00edpad\u011b karavan\u016f nap\u0159\u00edklad zna\u010dka, model a zejm\u00e9na hmotnost p\u0159\u00edv\u011bsu.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zat\u00edmco povinn\u00e9 ru\u010den\u00ed pro karavany je zpravidla velmi levn\u00e9 a b\u011b\u017en\u011b stoj\u00ed 600 a\u017e 900 K\u010d ro\u010dn\u011b, cena havarijn\u00edho poji\u0161t\u011bn\u00ed se pohybuje v z\u00e1vislosti na hodnot\u011b vozidla a limitu pln\u011bn\u00ed mezi 7 000 a\u017e 2 000 K\u010d. Do ceny tak\u00e9 vstupuje zvolen\u00e1 spolu\u00fa\u010dast, kter\u00e1 je b\u011b\u017enou sou\u010d\u00e1st\u00ed havarijn\u00edho poji\u0161t\u011bn\u00ed: obecn\u011b 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. Z\u00e1le\u017e\u00ed ale i na v\u00fdb\u011bru poji\u0161\u0165ovny &#8211; ka\u017ed\u00e1 poji\u0161\u0165ovna r\u016fzn\u00e9 skupiny \u0159idi\u010d\u016f i vozidel posuzuje v r\u00e1mci cenov\u00e9 politiky jinak.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pod\u00edvejte se na modelovou kalkulaci povinn\u00e9ho ru\u010den\u00ed a havarijn\u00edho poji\u0161t\u011bn\u00ed pro obytn\u00fd p\u0159\u00edv\u011bs Adria Aviva vyroben\u00fd v roce 2020, jeho\u017e pojistn\u00edkem je 50let\u00fd \u0159idi\u010d ze St\u0159edo\u010desk\u00e9ho kraje. Hodnota karavanu je 500 000 K\u010d.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><\/td><td><strong>Generali<\/strong><\/td><td><strong>Direct<\/strong><\/td><\/tr><tr><td>Limit POV<\/td><td>50\/50 mil. K\u010d<\/td><td>70\/70 mil. K\u010d<\/td><\/tr><tr><td>Asistence<\/td><td>Z\u00e1kladn\u00ed<\/td><td>Z\u00e1kladn\u00ed<\/td><\/tr><tr><td><strong>Cena POV<\/strong><\/td><td><strong>774 K\u010d<\/strong><\/td><td><strong>852 K\u010d<\/strong><\/td><\/tr><tr><td>Limit HAV<\/td><td>500 000 K\u010d<\/td><td>500 000 K\u010d<\/td><\/tr><tr><td>Spolu\u00fa\u010dast HAV<\/td><td>5 %, min. 5000 K\u010d<\/td><td>7 000 K\u010d<\/td><\/tr><tr><td>Kryt\u00ed HAV<\/td><td>All risk (hav\u00e1rie, vandalismus, odcizen\u00ed, \u017eiveln\u00ed ud\u00e1losti)<\/td><td>All risk (hav\u00e1rie, vandalismus, odcizen\u00ed, \u017eiveln\u00ed ud\u00e1losti)&nbsp;<\/td><\/tr><tr><td><strong>Cena HAV<\/strong><\/td><td><strong>9 928 K\u010d<\/strong><\/td><td><strong>12 534 K\u010d<\/strong><\/td><\/tr><tr><td><strong>Cena\/rok celkem<\/strong><\/td><td><strong>10 702 K\u010d<\/strong><\/td><td><strong>13 386 K\u010d<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Modelov\u00e1 kalkulace poji\u0161t\u011bn\u00ed karavanu vych\u00e1z\u00ed z nab\u00eddek dostupn\u00fdch ve srovn\u00e1n\u00ed na<\/em> <a href=\"http:\/\/rixo.cz\" target=\"_blank\" rel=\"noopener\"><em>RIXO.cz<\/em><\/a> <em>v dob\u011b publikace.&nbsp;<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A kolik zaplat\u00edte za poji\u0161t\u011bn\u00ed karavanu vy? Srovnejte si povinn\u00e9 ru\u010den\u00ed a havarijn\u00ed poji\u0161t\u011bn\u00ed pro sv\u016fj obytn\u00fd p\u0159\u00edv\u011bs na <a href=\"http:\/\/rixo.cz\" target=\"_blank\" rel=\"noopener\">RIXO.cz<\/a> a my v\u00e1m najdeme tu nejv\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku na m\u00edru pro v\u00e1s!<\/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-d05cb3ef wp-block-group-is-layout-flex\">\n<iframe loading=\"lazy\" height=\"480\" 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 id=\"caste-otazky\" class=\"wp-block-heading\">\u010cast\u00e9 ot\u00e1zky<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kolik stoj\u00ed povinn\u00e9 ru\u010den\u00ed karavanu?<\/strong> Cena povinn\u00e9ho ru\u010den\u00ed se pohybuje v \u0159\u00e1du stovek korun ro\u010dn\u011b. B\u011b\u017en\u011b jde o 600 a\u017e 900 K\u010d v\u010detn\u011b zapo\u010d\u00edtan\u00fdch bonus\u016f za beze\u0161kodn\u00ed pr\u016fb\u011bh poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Mus\u00edm pojistit karavan, kter\u00fd stoj\u00ed na zahrad\u011b?<\/strong> Povinn\u00e9 ru\u010den\u00ed mus\u00ed b\u00fdt platn\u00e9 po celou dobu, kdy je vozidlo zapsan\u00e9 v registru vozidel jako provozovan\u00e9. Pokud karavan nepou\u017e\u00edv\u00e1te, m\u016f\u017eete registra\u010dn\u00ed zna\u010dky odevzdat do depozitu, tedy <a href=\"https:\/\/www.rixo.cz\/blog\/odhlaseni-vozidla-z-evidence\/\">do\u010dasn\u011b vy\u0159adit vozidlo z evidence<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kryje povinn\u00e9 ru\u010den\u00ed auta i karavan?<\/strong> Ne, pro karavan je nutn\u00e9 sjednat vlastn\u00ed povinn\u00e9 ru\u010den\u00ed.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Plat\u00ed poji\u0161t\u011bn\u00ed karavanu v zahrani\u010d\u00ed?<\/strong> Povinn\u00e9 ru\u010den\u00ed plat\u00ed v Evrop\u011b, havarijn\u00ed poji\u0161t\u011bn\u00ed u v\u011bt\u0161iny produkt\u016f tak\u00e9. \u00dazemn\u00ed platnost a <a href=\"https:\/\/www.rixo.cz\/blog\/zelena-karta-do-zahranici\/\">pravidla prokazov\u00e1n\u00ed platnosti poji\u0161t\u011bn\u00ed v zahrani\u010d\u00ed<\/a> si ov\u011b\u0159te na zelen\u00e9 kart\u011b k povinn\u00e9mu ru\u010den\u00ed, u havarijn\u00edho poji\u0161t\u011bn\u00ed zkontrolujte smlouvu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Sta\u010d\u00ed pro karavan sjednat pouze povinn\u00e9 ru\u010den\u00ed?<\/strong> Sjedn\u00e1n\u00ed havarijn\u00edho poji\u0161t\u011bn\u00ed je zcela dobrovoln\u00e9. Opravy p\u0159i po\u0161kozen\u00ed vlastn\u00edho karavanu vlivem zavin\u011bn\u00e9 dopravn\u00ed nehody nebo t\u0159eba \u017eiveln\u00edch ud\u00e1lost\u00ed si ale bez havarijn\u00edho poji\u0161t\u011bn\u00ed mus\u00edte zaplatit sami. Pokud nechcete investovat do havarijn\u00edho poji\u0161t\u011bn\u00ed, m\u016f\u017eete zvolit pouze n\u011bkter\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed k povinn\u00e9mu ru\u010den\u00ed.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Poji\u0161t\u011bn\u00ed karavanu m\u00e1 sv\u00e1 specifika. Nezapome\u0148te na povinn\u00e9 ru\u010den\u00ed, kter\u00e9 mus\u00edte m\u00edt ze z\u00e1kona, ale ani na havarijn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 se u drah\u00e9ho obytn\u00e9ho p\u0159\u00edv\u011bsu s vybaven\u00edm t\u00e9m\u011b\u0159 v\u017edy vyplat\u00ed. <\/p>\n","protected":false},"author":11,"featured_media":4737,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,6],"tags":[17],"class_list":["post-4734","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","category-vozidla","tag-autopojisteni"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4734","targetHints":{"allow":["GET"]}}],"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=4734"}],"version-history":[{"count":3,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4734\/revisions"}],"predecessor-version":[{"id":4763,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4734\/revisions\/4763"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/4737"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=4734"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=4734"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=4734"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}