{"id":1072,"date":"2022-06-27T16:43:26","date_gmt":"2022-06-27T14:43:26","guid":{"rendered":"https:\/\/casopisdnes.cz\/?p=1072"},"modified":"2022-06-27T16:43:27","modified_gmt":"2022-06-27T14:43:27","slug":"nejlevnejsi-je-nejlepsi-aneb-famy-a-myty-o-havarijnim-pojisteni","status":"publish","type":"post","link":"https:\/\/casopisdnes.cz\/?p=1072","title":{"rendered":"Nejlevn\u011bj\u0161\u00ed je nejlep\u0161\u00ed aneb f\u00e1my a m\u00fdty o havarijn\u00edm poji\u0161t\u011bn\u00ed<\/strong>"},"content":{"rendered":"\n

Pov\u011bdom\u00ed o z\u00e1konn\u00e9 povinnosti uzav\u0159en\u00ed povinn\u00e9ho ru\u010den\u00ed u\u017e na\u0161t\u011bst\u00ed mezi vlastn\u00edky a provozovateli motorov\u00fdch voz\u016f stoup\u00e1. St\u00e1le se ale najde velk\u00e9 mno\u017estv\u00ed lid\u00ed, kte\u0159\u00ed necht\u011bj\u00ed m\u00edt nic spole\u010dn\u00e9ho s havarijn\u00edm poji\u0161t\u011bn\u00edm. Pova\u017euj\u00ed ho za drah\u00e9 a zbyte\u010dn\u00e9. Jsou p\u0159ece dobr\u00fdmi \u0159idi\u010di a nic se nem\u016f\u017ee st\u00e1t. I p\u0159esto ale stoj\u00ed za to se nad t\u00edmto poji\u0161t\u011bn\u00edm alespo\u0148 zamyslet. Tohle jsou nej\u010dast\u011bj\u0161\u00ed m\u00fdty, kter\u00e9 o \u201ehavarijku\u201c koluj\u00ed.<\/strong><\/p>\n\n\n\n

Za hodn\u011b pen\u011bz m\u00e1lo muziky<\/strong><\/p>\n\n\n\n

Asi nej\u010dast\u011bj\u0161\u00edm m\u00fdtem o havarijn\u00edm poji\u0161t\u011bn\u00ed<\/a> je, \u017ee jeho cena je p\u0159\u00edli\u0161 vysok\u00e1, a kdy\u017e se n\u011bco stane, stejn\u011b od poji\u0161\u0165ovny nic nedostanete. Tak to rozhodn\u011b nen\u00ed. \u201eJe pochopiteln\u00e9, \u017ee poji\u0161t\u011bn\u00ed nen\u00ed zadarmo, ale v p\u0159\u00edpad\u011b \u0161kodn\u00ed ud\u00e1losti v\u00e1m toto poji\u0161t\u011bn\u00ed m\u016f\u017ee u\u0161et\u0159it bez nads\u00e1zky stovky tis\u00edc korun. Pokud jste nav\u00edc dobr\u00fd \u0159idi\u010d, m\u016f\u017eete za beze\u0161kodn\u00ed m\u011bs\u00edce dostat velmi v\u00fdrazn\u00e9 slevy,\u201c vysv\u011btluje Ale\u0161 Rothbarth, specialista na povinn\u00e9 ru\u010den\u00ed z online srovn\u00e1vac\u00edho port\u00e1lu Klik.cz.<\/p>\n\n\n

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P\u0159esn\u00fd rozsah pojistn\u00e9ho kryt\u00ed je v\u017edy stanoven v pojistn\u00fdch podm\u00ednk\u00e1ch a z\u00e1le\u017e\u00ed na konkr\u00e9tn\u00ed poji\u0161\u0165ovn\u011b a produktu, kter\u00fd si sjedn\u00e1v\u00e1te. V\u011bt\u0161inou jsou kryty \u0161kody zp\u016fsoben\u00e9 \u017eivelnou pohromou, povodn\u00ed, z\u00e1plavou, st\u0159etem se zv\u011b\u0159\u00ed, vandalismem, odcizen\u00edm nebo \u0161kody na va\u0161em voze zp\u016fsoben\u00e9 p\u0159i nehod\u011b, kterou zavin\u00edte. U havarijn\u00edho poji\u0161t\u011bn\u00ed b\u00fdv\u00e1 tak\u00e9 sjedn\u00e1na spolu\u00fa\u010dast, kter\u00e1 vyjad\u0159uje procentu\u00e1ln\u00ed pod\u00edl, kter\u00fdm se bude poji\u0161t\u011bn\u00fd na p\u0159\u00edpadn\u00e9 \u0161kod\u011b pod\u00edlet. Samoz\u0159ejm\u011b existuj\u00ed i produkty s nulovou spolu\u00fa\u010dast\u00ed.<\/p>\n\n\n\n

Pro star\u0161\u00ed auto to nem\u00e1 cenu<\/strong><\/p>\n\n\n\n

\u201eJe pochopiteln\u00e9, \u017ee m\u00e1me tendenci chr\u00e1nit sp\u00ed\u0161e nov\u00e1 auta, do kter\u00fdch jsme ned\u00e1vno investovali, ne\u017e auta star\u00e1. Rozhodn\u011b se ale vyplat\u00ed alespo\u0148 zauva\u017eovat nad t\u00edm, jak velkou \u0161kodu by v\u00e1m p\u0159ineslo nap\u0159\u00edklad odcizen\u00ed nebo \u00fapln\u00e9 zni\u010den\u00ed va\u0161eho star\u0161\u00edho auta. V mnoha p\u0159\u00edpadech by tato \u0161koda byla mnohem vy\u0161\u0161\u00ed ne\u017e zaplacen\u00e9 pojistn\u00e9. N\u011bkter\u00e9 poji\u0161\u0165ovny dokonce nab\u00edzej\u00ed produkty speci\u00e1ln\u011b zam\u011b\u0159en\u00e9 na star\u0161\u00ed auta,\u201c vysv\u011btluje Ale\u0161 Rothbarth z Klik.cz.<\/p>\n\n\n\n

Jsem dobr\u00fd \u0159idi\u010d, havarijn\u00ed poji\u0161t\u011bn\u00ed nepot\u0159ebuji<\/strong><\/p>\n\n\n

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Dal\u0161\u00edm klasick\u00fdm m\u00fdtem je p\u0159esv\u011bd\u010den\u00ed o tom, \u017ee dobr\u00fd \u0159idi\u010d p\u0159ece \u017e\u00e1dn\u00e9 hav\u00e1rie nep\u016fsob\u00ed, tak na co by mu bylo havarijn\u00ed poji\u0161t\u011bn\u00ed<\/a>? Jakkoli jste si jisti sv\u00fdmi \u0159idi\u010dsk\u00fdmi schopnostmi, m\u016f\u017eete jen zt\u011b\u017eka vylou\u010dit vn\u011bj\u0161\u00ed vlivy jako je vandalismus, \u017eivelnou pohromu, p\u00e1d stromu, krupobit\u00ed nebo z\u00e1plavu. V\u0161echny tyto hrozby se mohou re\u00e1ln\u011b naplnit a zp\u016fsobit \u0161kody za pen\u00edze n\u011bkolikan\u00e1sobn\u011b p\u0159evy\u0161uj\u00edc\u00ed zaplacen\u00e9 pojistn\u00e9. Nezapome\u0148te – havarijn\u00ed poji\u0161t\u011bn\u00ed nekryje jen \u0161kody, kter\u00e9 sami zp\u016fsob\u00edte.<\/p>\n\n\n\n

Nejlevn\u011bj\u0161\u00ed je pro m\u011b nejlep\u0161\u00ed<\/strong><\/p>\n\n\n\n

Velmi \u010dastou chybou p\u0159i uzav\u00edr\u00e1n\u00ed havarijn\u00edho poji\u0161t\u011bn\u00ed je orientace \u010dist\u011b na v\u00fd\u0161i pojistn\u00e9ho. \u201e\u010casto je uzav\u00edr\u00e1no to nejlevn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed bez ohledu na spolu\u00fa\u010dast, rozsah kryt\u00ed a pojistn\u00e9 limity. V\u017edy si dob\u0159e prov\u011b\u0159te, co v\u0161e je poji\u0161t\u011bn\u00edm kryto, jak vysok\u00e1 je spolu\u00fa\u010dast, jak\u00e9 jsou limity pojistn\u00e9ho pln\u011bn\u00ed a zda se poji\u0161t\u011bn\u00ed shoduje s va\u0161\u00ed p\u0159edstavou. Pokud v\u00e1m nap\u0159\u00edklad vzhledem k lokalit\u011b hroz\u00ed nejsp\u00ed\u0161e odcizen\u00ed vozidla, je havarijn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 je sice nejlevn\u011bj\u0161\u00ed, ale odcizen\u00ed neobsahuje, celkem k ni\u010demu,\u201c upozor\u0148uje Rothbarth.<\/p>\n","protected":false},"excerpt":{"rendered":"

Pov\u011bdom\u00ed o z\u00e1konn\u00e9 povinnosti uzav\u0159en\u00ed povinn\u00e9ho ru\u010den\u00ed u\u017e na\u0161t\u011bst\u00ed mezi vlastn\u00edky a provozovateli motorov\u00fdch voz\u016f stoup\u00e1. St\u00e1le se ale najde velk\u00e9 mno\u017estv\u00ed lid\u00ed, kte\u0159\u00ed necht\u011bj\u00ed m\u00edt nic spole\u010dn\u00e9ho s havarijn\u00edm poji\u0161t\u011bn\u00edm. Pova\u017euj\u00ed ho za drah\u00e9 a zbyte\u010dn\u00e9. Jsou p\u0159ece dobr\u00fdmi \u0159idi\u010di a nic se nem\u016f\u017ee st\u00e1t. I p\u0159esto ale stoj\u00ed za to se nad t\u00edmto […]<\/p>\n","protected":false},"author":2,"featured_media":1076,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[40,1],"tags":[54,50,53,49,51,52],"class_list":["post-1072","post","type-post","status-publish","format-standard","has-post-thumbnail","category-aktualne","category-rady-a-navody","tag-auto","tag-finance","tag-havarie","tag-havarijni-pojisteni","tag-penize","tag-pojisteni"],"_links":{"self":[{"href":"https:\/\/casopisdnes.cz\/index.php?rest_route=\/wp\/v2\/posts\/1072","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/casopisdnes.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/casopisdnes.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/casopisdnes.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/casopisdnes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1072"}],"version-history":[{"count":0,"href":"https:\/\/casopisdnes.cz\/index.php?rest_route=\/wp\/v2\/posts\/1072\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/casopisdnes.cz\/index.php?rest_route=\/wp\/v2\/media\/1076"}],"wp:attachment":[{"href":"https:\/\/casopisdnes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1072"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/casopisdnes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1072"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/casopisdnes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1072"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}