{"id":29,"date":"2024-11-19T15:50:42","date_gmt":"2024-11-19T14:50:42","guid":{"rendered":"https:\/\/www.rixo.sk\/blog\/?p=29"},"modified":"2024-11-19T15:50:43","modified_gmt":"2024-11-19T14:50:43","slug":"preco-mat-havarijne-poistenie","status":"publish","type":"post","link":"https:\/\/www.rixo.sk\/blog\/preco-mat-havarijne-poistenie\/","title":{"rendered":"Pre\u010do ma\u0165 havarijn\u00e9 poistenie?"},"content":{"rendered":"\n

M\u00e1m star\u00e9 auto. Sta\u010d\u00ed, \u017ee plat\u00edm povinne zmluvne poistenie, nie? Nikdy som predsa neb\u00faral. Tak\u00e9 argumenty opakovane po\u010d\u00favame od v\u00e4\u010d\u0161iny vodi\u010dov, ktor\u00ed br\u00e1zdia cesty bez havarijka. A sna\u017e\u00edme sa im vysvetli\u0165, pre\u010do je dobr\u00e9 ho ma\u0165. <\/p>\n\n\n\n

\u010co kryje havarijn\u00e9 poistenie oproti PZP?<\/strong><\/p>\n\n\n\n

Havarijn\u00e9 poistenie m\u00f4\u017eete ch\u00e1pa\u0165 ako obdobu poistenia majetku, ktor\u00fdm v\u0161ak namiesto domu, bytu alebo bicykla chr\u00e1nite svoje vozidlo. Pom\u00f4\u017ee v\u00e1m v pr\u00edpade dopravnej nehody, kr\u00e1de\u017ee alebo po\u0161kodenia vandalom, \u017eivelnou pohromou, zverou a zviera\u0165om. Pretla\u010den\u00e9 dvere z parkoviska obchodn\u00e9ho domu, koloto\u010d medzi zvodidlami, zrazen\u00e9 srnk\u00e1, zrkadlo urazen\u00e9 nezn\u00e1mym opilcom, kapota ako jamkovisko po letnom krupobit\u00ed\u2026 riz\u00edk okolo n\u00e1s existuje cel\u00fd rad.<\/p>\n\n\n\n

\n
Porovna\u0165 havarijn\u00e9 poistenie<\/a><\/div>\n<\/div>\n\n\n\n

<\/p>\n\n\n\n

\u010casto sa st\u00e1va, \u017ee sa vodi\u010di spoliehaj\u00fa na povinne zmluvn\u00e9 poistenie, ktor\u00e9 sa v\u0161ak l\u00ed\u0161ia svojim \u00fa\u010delom: kryje toti\u017e \u0161kody, ktor\u00e9 vy privod\u00edte in\u00fdm. Urobte si v t\u00fdchto dvoch produktoch jasno, k\u00fdm v\u00e1s ich nepochopenie vyjde na tis\u00edce eur.\u00a0<\/p>\n\n\n\n

Hlavn\u00fd rozdiel medzi havarijn\u00fdm poisten\u00edm a PZP<\/strong><\/p>\n\n\n\n

Havarijn\u00e9 poistenie je dobrovo\u013en\u00e9, na rozdiel od povinn\u00e9ho poistenia, ktor\u00e9 si pod\u013ea z\u00e1kona o povinnom zmluvnom poisten\u00ed mus\u00edte dojedna\u0165. To kryje \u0161kody na zdrav\u00ed a majetku, ktor\u00e9 pri prev\u00e1dzke vozidla sp\u00f4sob\u00edte ostatn\u00fdm. Havarijn\u00e9 poistenie potom chr\u00e1ni va\u0161e vozidlo pred va\u0161ou vlastnou nepozornos\u0165ou alebo \u017eivelnou pohromou.<\/p>\n\n\n\n

V ak\u00fdch pr\u00edpadoch ocen\u00edte havarijn\u00e9 poistenie?<\/strong><\/p>\n\n\n\n

U\u017e viete, \u017ee v mal\u00e9re v\u00e1s PZP nespas\u00ed, pokia\u013e ide o va\u0161e vozidlo. Potrebujete havarijn\u00e9 poistenie. Pozrime sa na naj\u010dastej\u0161ie scen\u00e1re, kedy si k jeho v\u010dasn\u00e9mu dojednaniu budete jednozna\u010dne gratulova\u0165.<\/p>\n\n\n\n

Dopravn\u00e1 nehoda<\/strong><\/p>\n\n\n\n

Presko\u010d\u00edme najo\u010dividnej\u0161\u00ed scen\u00e1r, kedy ste sa na kri\u017eovatke \u0165ukli s \u010fal\u0161\u00edm motoristom a vinn\u00edkom nehody ste vy \u2013 mo\u017eno nejazd\u00edte do centier miest a pova\u017eujete sa za opatrn\u00e9ho vodi\u010da. Havarijko v\u00e1m pom\u00f4\u017ee aj v pr\u00edpadoch s n\u00e1lepkou „vlastn\u00e9 zavinenie“, ako je odrenie auta pri vjazde do gar\u00e1\u017ee. Alebo si predstavte, \u017ee vozidlo nech\u00e1te na plnom parkovisku, kde ho menej obratn\u00fd vodi\u010d odrie a prejde bez toho, aby v\u00e1m za stiera\u010dom nechal kontakt. Opravu v\u00e1\u0161ho auta teda nepokryje PZP vinn\u00edka a vyklepanie plechov si zaplat\u00edte sami. Zbyto\u010dne.<\/p>\n\n\n\n

Odcudzenie vozidla <\/strong><\/p>\n\n\n\n

M\u00e1te pocit, \u017ee je havarijn\u00e9 poistenie pr\u00edli\u0161 drah\u00e9? Ten v\u00e1s r\u00fdchlo opust\u00ed vo chv\u00edli, ke\u010f v\u00e1m auto alebo motorku ukradn\u00fa. Potom sa bude nieko\u013eko stoviek eur zda\u0165 ako smie\u0161na \u010diastka.<\/p>\n\n\n\n

Vandalizmus<\/strong><\/p>\n\n\n\n

Po\u0161kriaban\u00fd lak, rozbit\u00e9 okienko, zlomen\u00e9 zrkadlo, po\u0161koden\u00fd stiera\u010d… niekto sa nezmyselne pobav\u00ed na v\u00e1\u0161 \u00fa\u010det. Len\u017ee v\u00e1m ho nikto nepreplat\u00ed. Pokia\u013e nem\u00e1te havarijko.<\/p>\n\n\n\n

\u017diveln\u00e1 pohroma<\/strong><\/p>\n\n\n\n

Slovensk\u00e1 krajina je k\u00fazeln\u00e1. Rovnako ako jej kl\u00edma a nepredv\u00eddate\u013en\u00e9 vtipy po\u010dasia. Naj\u010dastej\u0161ie sa stret\u00e1vame s vyplaven\u00edm vozidla vodou. Ob\u010das padaj\u00fa kr\u00fapy, inokedy rovno cel\u00e9 stromy.<\/p>\n\n\n\n

Zr\u00e1\u017eka sa zver\u00ed<\/strong><\/p>\n\n\n\n

Zr\u00e1\u017eka sa zver\u00ed b\u00fdva jednou z \u010dast\u00fdch pr\u00ed\u010din autonehody. Najv\u00e4\u010d\u0161ie riziko hroz\u00ed po\u010das jari a jesene, najm\u00e4 ke\u010f sa rozedniev\u00e1 alebo stmieva. Stret so srnkou kon\u010d\u00ed rozbit\u00fdmi svetlami a pokr\u010den\u00fdmi plechmi, ale zr\u00e1\u017eka diviaka kon\u010d\u00ed v\u00fdrazne v\u00e4\u010d\u0161ou \u0161kodou. Priemern\u00e1 v\u00fd\u0161ka \u0161kody je viac ako 1,5 tis\u00edce eur, na luxusnom vozidle ale m\u00f4\u017ee dosahova\u0165 aj \u010diastku vy\u0161e 20 tis\u00edc eur.<\/p>\n\n\n\n

Po\u0161kodenie zver\u00ed<\/strong><\/p>\n\n\n\n

Toto nie je \u0161otek a zdvojenie predch\u00e1dzaj\u00faceho odseku. Prehryznut\u00e9 k\u00e1ble alebo rozhryznut\u00e9 odhlu\u010dnenie motora s\u00fa in\u00fdm typom rizika a \u0161kody. Najm\u00e4 v chladn\u00fdch mesiacoch je vyhriaty priestor pod kapotou l\u00e1kav\u00fdm \u00fato\u010diskom k\u00fan a hlodavcov.<\/p>\n\n\n\n

Oplat\u00ed sa havarijn\u00e9 poistenie pre star\u00e9 ojazden\u00e9 vozidlo?<\/strong><\/p>\n\n\n\n

U na\u0161ich klientov sa be\u017ene stret\u00e1vame s myln\u00fdm predpokladom, \u017ee pre star\u0161ie auto sa im havarijn\u00e9 poistenie neoplat\u00ed. Nie je to pravda. Aj 5 alebo 10 rokov star\u00e9 auto m\u00f4\u017ee ma\u0165 hodnotu okolo 20 tis\u00edc eur, a preto je dobr\u00e9 havarijko ma\u0165.<\/p>\n\n\n\n

Ako na havarijnom poisten\u00ed u\u0161etri\u0165?<\/strong><\/p>\n\n\n\n

Pri dlhodobom bez\u0161kodnom priebehu z PZP budete ma\u0165 nielen a\u017e o polovicu lacnej\u0161ie z\u00e1konn\u00e9 poistenie, ale taktie\u017e sa bonus pou\u017eije aj na havarijn\u00e9 poistenie. V ka\u017edom pr\u00edpade plat\u00ed, \u017ee sa oplat\u00ed cenu havarijn\u00e9ho poistenia minim\u00e1lne raz za rok porovna\u0165. Len tak zist\u00edte, \u010di na havarijku neprepl\u00e1cate. Sta\u010d\u00ed, ke\u010f vypln\u00edte p\u00e1r z\u00e1kladn\u00fdch \u00fadajov a o v\u0161etko ostatn\u00e9 sa u\u017e postar\u00e1me my. Do nieko\u013ek\u00fdch sek\u00fand v\u00e1m uk\u00e1\u017eeme tie najv\u00fdhodnej\u0161ie ponuky priamo pre v\u00e1s. Vysk\u00fa\u0161ajte to hne\u010f!<\/p>\n\n\n\n

\n
Porovna\u0165 havarijn\u00e9 poistenie<\/a><\/div>\n<\/div>\n\n\n\n

Kedy a komu sa havarijn\u00e9 poistenie neoplat\u00ed?<\/strong><\/p>\n\n\n\n

Havarijn\u00e9 poistenie neodpor\u00fa\u010dame uzatv\u00e1ra\u0165, ak:<\/p>\n\n\n\n

    \n
  • va\u0161e auto u\u017e osl\u00e1vilo p\u00e4tn\u00e1ste narodeniny (\u0165a\u017eko budete h\u013eada\u0165 pois\u0165ov\u0148u, ktor\u00e1 bude ochotn\u00e1 ho za rozumn\u00fa cenu poisti\u0165)<\/li>\n\n\n\n
  • hodnota v\u00e1\u0161ho vozidla neprevy\u0161uje 100 000 K\u010d (pravdepodobne m\u00e1 najazden\u00e9 \u00factyhodn\u00fa kilometr\u00e1\u017e a za\u017eilo si v cestnej prem\u00e1vke svoje\u2026 v takom pr\u00edpade u\u017e sta\u010d\u00ed len pripoistenie k PZP)<\/li>\n\n\n\n
  • na ceste vyr\u00e1\u017eate naozaj sporadicky, tak\u017ee riziko autonehody vn\u00edmate ako ve\u013emi n\u00edzke<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

    M\u00e1m star\u00e9 auto. Sta\u010d\u00ed, \u017ee plat\u00edm povinne zmluvne poistenie, nie? Nikdy som predsa neb\u00faral. Tak\u00e9 argumenty opakovane po\u010d\u00favame od v\u00e4\u010d\u0161iny vodi\u010dov, ktor\u00ed br\u00e1zdia cesty bez havarijka. A sna\u017e\u00edme sa im vysvetli\u0165, pre\u010do je dobr\u00e9 ho ma\u0165.\u00a0<\/p>\n","protected":false},"author":10,"featured_media":31,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12,11],"tags":[13],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/posts\/29"}],"collection":[{"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/comments?post=29"}],"version-history":[{"count":4,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/posts\/29\/revisions"}],"predecessor-version":[{"id":34,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/posts\/29\/revisions\/34"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/media\/31"}],"wp:attachment":[{"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/media?parent=29"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/categories?post=29"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/tags?post=29"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}