[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.g2w.cz\/havarijni-pojisteni-na-co-si-dat-pozor\/#Article","mainEntityOfPage":"https:\/\/www.g2w.cz\/havarijni-pojisteni-na-co-si-dat-pozor\/","headline":"Havarijn\u00ed poji\u0161t\u011bn\u00ed – na co si d\u00e1t pozor?","name":"Havarijn\u00ed poji\u0161t\u011bn\u00ed – na co si d\u00e1t pozor?","description":"Ka\u017ed\u00fd majitel automobilu je povinen pro sv\u00e9 vozidlo sjednat tzv. povinn\u00e9 ru\u010den\u00ed – tedy poji\u0161t\u011bn\u00ed, kter\u00e9 kryje \u0161kody zp\u016fsoben\u00e9 poji\u0161t\u011bn\u00fdm vozidlem na zdrav\u00ed a majetku … ","datePublished":"2017-03-06","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.g2w.cz\/author\/#Person","name":"g2w.cz\n","url":"https:\/\/www.g2w.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/cfe4dae5aaf43720425415780408681beb9b9a829e9a657295ed1cacce5febc2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/cfe4dae5aaf43720425415780408681beb9b9a829e9a657295ed1cacce5febc2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"g2w.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.g2w.cz\/havarijni-pojisteni-na-co-si-dat-pozor\/","about":["Finance"],"wordCount":762,"articleBody":"Ka\u017ed\u00fd majitel automobilu je povinen pro sv\u00e9 vozidlo sjednat tzv. povinn\u00e9 ru\u010den\u00ed – tedy poji\u0161t\u011bn\u00ed, kter\u00e9 kryje \u0161kody zp\u016fsoben\u00e9 poji\u0161t\u011bn\u00fdm vozidlem na zdrav\u00ed a majetku t\u0159et\u00edch osob. Toto poji\u0161t\u011bn\u00ed je povinn\u00e9 a uchr\u00e1n\u00ed n\u00e1s velk\u00fdch v\u00fddaj\u016f, kter\u00e9 na n\u00e1s mohou vym\u00e1hat osoby, kter\u00e9 jsme provozem sv\u00e9ho vozidla n\u011bjak\u00fdm zp\u016fsobem po\u0161kodili.\u0160kodu na na\u0161em vlastn\u00edm majetku n\u00e1m ale neuhrad\u00ed. Od toho je tu jin\u00e9 poji\u0161t\u011bn\u00ed, a to poji\u0161t\u011bn\u00ed havarijn\u00ed. Toto poji\u0161t\u011bn\u00ed kryje \u0161kody na poji\u0161t\u011bn\u00e9m vozidle, p\u0159\u00edpadn\u011b i na osob\u00e1ch v n\u011bm p\u0159epravovan\u00fdch. Z\u00e1le\u017e\u00ed na tom, jak\u00fdm zp\u016fsobem si poji\u0161t\u011bn\u00ed sjedn\u00e1te. Co v\u0161echno m\u016f\u017ee tedy havarijn\u00ed poji\u0161t\u011bn\u00ed zahrnovat?\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V prvn\u00ed \u0159ad\u011b kryje samoz\u0159ejm\u011b \u0161kody na voze vznikl\u00e9 p\u0159i hav\u00e1rii, tj. n\u00e1razu, st\u0159etu a p\u00e1du vozidla.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Odcizen\u00ed vozidla nebo jeho vn\u011bj\u0161\u00edch \u010d\u00e1st\u00ed je dal\u0161\u00edm rizikem, kter\u00e9 m\u016f\u017ee kr\u00fdt havarijn\u00ed poji\u0161t\u011bn\u00ed.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 D\u00e1le \u0159e\u0161\u00edv\u00e1 \u0161kody vznikl\u00e9 v d\u016fsledku \u017eiveln\u00ed ud\u00e1losti. P\u0159esn\u00fd v\u00fd\u010det t\u011bchto ud\u00e1lost\u00ed je uveden v pojistn\u00fdch podm\u00ednk\u00e1ch a je t\u0159eba se s n\u00edm sezn\u00e1mit. Nej\u010dast\u011bji je zahrnuto riziko vich\u0159ice, krupobit\u00ed, povodn\u011b, v\u00fdbuchu, p\u00e1du stromu\u00a0 dal\u0161\u00ed.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Samostatnou polo\u017ekou b\u00fdv\u00e1 st\u0159et se zv\u011b\u0159\u00ed. Pro n\u011bkter\u00e9 je to zbyte\u010dn\u00e1 polo\u017eka, dal\u0161\u00ed zahrnut\u00ed tohoto rizika uv\u00edtaj\u00ed.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Jedn\u00edm z dal\u0161\u00edch rizik je vandalismus.Krom\u011b z\u00e1kladn\u00edho poji\u0161t\u011bn\u00ed nab\u00edzej\u00ed poji\u0161\u0165ovny r\u016fzn\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed – nej\u010dast\u011bj\u0161\u00edm je poji\u0161t\u011bn\u00ed \u010deln\u00edho skla, zavazadel \u010di d\u011btsk\u00fdch seda\u010dek, setkat se m\u016f\u017eete i s \u00farazov\u00fdm p\u0159ipoji\u0161t\u011bn\u00edm.Jako jinde, i zde samoz\u0159ejm\u011b plat\u00ed, dob\u0159e si promyslet, kter\u00e1 rizika se n\u00e1s t\u00fdkaj\u00ed v\u00edce a kter\u00e1 jsou naopak m\u00e1lo pravd\u011bpodobn\u00e1 – abychom neplatili zbyte\u010dn\u011b vysok\u00e9 \u010d\u00e1stky za rizika, kter\u00e1 jsou m\u00e9n\u011b ne\u017e pravd\u011bpodobn\u00e1. D\u00e1le je tak\u00e9 nutn\u00e9 zjistit, zda nem\u00e1me n\u011bkter\u00e9 situace poji\u0161t\u011bn\u00e9 ji\u017e v r\u00e1mci jin\u00e9ho poji\u0161t\u011bn\u00ed. Nej\u010dast\u011bj\u0161\u00edm p\u0159\u00edkladem je pr\u00e1v\u011b posledn\u011b zmi\u0148ovan\u00e9 \u00farazov\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed, kter\u00e9 m\u00e1 v\u011bt\u0161ina z n\u00e1s sjednan\u00e9 samostatn\u011b nebo v r\u00e1mci \u017eivotn\u00edho poji\u0161t\u011bn\u00ed.Dal\u0161\u00ed polo\u017ekou ke zv\u00e1\u017een\u00ed je m\u00edra spolu\u00fa\u010dasti. Samoz\u0159ejm\u011b \u010d\u00edm vy\u0161\u0161\u00ed je spolu\u00fa\u010dast, t\u00edm ni\u017e\u0161\u00ed je na opl\u00e1tku pojistn\u00e9. Spolu\u00fa\u010dast b\u00fdv\u00e1 tak\u00e9 sjedn\u00e1v\u00e1na odli\u0161n\u011b – bu\u010f jako pevn\u00e1 \u010d\u00e1stka (nap\u0159. 5000,- K\u010d) nebo procentueln\u011b (nap\u0159. 5%). Nap\u0159. v p\u0159\u00edpad\u011b v\u00fdm\u011bny \u010deln\u00edho skla je rozd\u00edl, zda si z ceny \u0159ekn\u011bme 10 tis\u00edc K\u010d uhrad\u00edte 5 tis\u00edc K\u010d nebo 5% (tj.500,- K\u010d). Ale jako v\u017edy z\u00e1le\u017e\u00ed na konkr\u00e9tn\u00edm automobilu, jeho st\u00e1\u0159\u00ed a cen\u011b n\u00e1hradn\u00edch d\u00edl\u016f.Poji\u0161\u0165ovny v p\u0159\u00edpad\u011b pln\u011bn\u00ed r\u00e1dy pracuj\u00ed s pojmem „amortizace“ (tj. opot\u0159eben\u00ed), tzn. p\u0159i tot\u00e1ln\u00ed hav\u00e1rii V\u00e1m po letech nevyplat\u00ed ji\u017e p\u016fvodn\u00ed sjednanou pojistnou \u010d\u00e1stku, ale \u010d\u00e1stku upravenou s ohledem na opot\u0159eben\u00ed a re\u00e1lnou hodnotu vozidla v dob\u011b hav\u00e1rie – pokud ov\u0161em nem\u00e1te sjednanou pojistku na cenu novou. Na druhou stranu poji\u0161\u0165ovna V\u00e1s sama od sebe neupozorn\u00ed, \u017ee Va\u0161e vozidlo ztr\u00e1c\u00ed na hodnot\u011b a v p\u0159\u00edpad\u011b revize pojistn\u00e9 smlouvy na sou\u010dasnou hodnotu vozidla m\u016f\u017eete u\u0161et\u0159it na pojistn\u00e9m. Vyplat\u00ed se tedy jednou za \u010das (nap\u0159\u00edklad za rok) zaj\u00edt na poji\u0161\u0165ovnu a zm\u011bnu s nimi probrat.A nakonec samoz\u0159ejm\u011b nezapome\u0148me na v\u00fdluky, i kdy\u017e jejich studium je v\u017edy nanejv\u00fd\u0161 otravn\u00e9. Zapomenout na pojistn\u00e9 pln\u011bn\u00ed mohou osoby \u0159\u00edd\u00edc\u00ed pod vlivem omamn\u00fdch l\u00e1tek (pozor si d\u00e1vejte i na kapky proti ka\u0161li). Pokud vznikla hav\u00e1rie vlivem opot\u0159eben\u00ed, \u00fanavy nebo vady materi\u00e1lu, poji\u0161\u0165ovny se \u010dasto z pln\u011bn\u00ed tak\u00e9 vyv\u00e1\u017eou. A dal\u0161\u00ed a dal\u0161\u00ed a dal\u0161\u00ed.Shrnuto a podtr\u017eeno, jako u v\u0161ech poji\u0161t\u011bn\u00ed, promyslete si d\u016fkladn\u011b, co od havarijn\u00edho poji\u0161t\u011bn\u00ed o\u010dek\u00e1v\u00e1te a jestli cena poji\u0161t\u011bn\u00ed nakonec nep\u0159es\u00e1hne hodnotu p\u0159\u00edpadn\u00e9ho pojistn\u00e9ho pln\u011bn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        3.6\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Havarijn\u00ed poji\u0161t\u011bn\u00ed – na co si d\u00e1t pozor?","item":"https:\/\/www.g2w.cz\/havarijni-pojisteni-na-co-si-dat-pozor\/#breadcrumbitem"}]}]