{"id":35,"date":"2024-11-19T15:56:56","date_gmt":"2024-11-19T14:56:56","guid":{"rendered":"https:\/\/www.rixo.sk\/blog\/?p=35"},"modified":"2025-01-15T12:27:02","modified_gmt":"2025-01-15T11:27:02","slug":"ako-usetrit-na-havarijnom-poisteni","status":"publish","type":"post","link":"https:\/\/www.rixo.sk\/blog\/ako-usetrit-na-havarijnom-poisteni\/","title":{"rendered":"Ako u\u0161etri\u0165 na havarijnom poisten\u00ed"},"content":{"rendered":"\n

Ur\u010dite viete, \u017ee havarijn\u00e9 poistenie m\u00e1 mnoho v\u00fdhod, ale m\u00f4\u017ee v\u00e1s odr\u00e1dza\u0165 vy\u0161\u0161ia cena. Preto sa pozrieme na to, ako ju zn\u00ed\u017ei\u0165 a zbyto\u010dne neprepl\u00e1ca\u0165. Rozhodne ale neodsudzujte havarijn\u00e9 poistenie ihne\u010f, v pr\u00edpade b\u00fara\u010dky alebo kr\u00e1de\u017ee v\u00e1m toti\u017e m\u00f4\u017ee u\u0161etri\u0165 aj tis\u00edce eur.<\/p>\n\n\n\n

Pre\u010do m\u00e1 zmysel uzatvori\u0165 havarijn\u00e9 poistenie?<\/h2>\n\n\n\n

Na rozdiel od povinn\u00e9ho zmluvn\u00e9ho poistenia<\/a>, ktor\u00e9ho zjednanie v\u00e1m uklad\u00e1 z\u00e1kon, je invest\u00edcia do havarijn\u00e9ho poistenia \u010disto dobrovo\u013en\u00e1. My v\u00e1m ju jednozna\u010dne odpor\u00fa\u010dame. Pr\u00edli\u0161 \u010dasto sme svedkami toho, \u017ee vodi\u010di zle ch\u00e1pu zmysel PZP (a mylne o\u010dak\u00e1vaj\u00fa, \u017ee im v pr\u00edpade poistnej udalosti zaplatia \u0161kodu aj na ich vlastnom vozidle).<\/p>\n\n\n\n

Havarijn\u00e9 poistenie ocen\u00edte v pr\u00edpade autonehody, odcudzenia vozidla, vandalizmu, \u017eivelnej pohromy, stretu so zverou a po\u0161kodenia zviera\u0165om. Pre viac detailov si pre\u010d\u00edtajte \u010dl\u00e1nok Pre\u010do ma\u0165 havarijn\u00e9 poistenie.<\/p>\n\n\n\n

Ako u\u0161etri\u0165 za havarijn\u00e9 poistenie<\/h2>\n\n\n\n

Ch\u00e1pete v\u00fdznam aj benefity havarijka, ale jeho cena je za hranicou v\u00e1\u0161ho komfortu? Prin\u00e1\u0161ame v\u00e1m 6 tipov, ako jeho cenu stla\u010di\u0165 (ale zachova\u0165 si jeho optim\u00e1lny rozsah).<\/p>\n\n\n\n

1. Dohodnite poistenie online<\/strong><\/p>\n\n\n\n

V online svete dnes nakupujeme be\u017ene, \u010di u\u017e ide o potraviny, oble\u010denie alebo letenky. Ani v pr\u00edpade poistenia nie je potrebn\u00e9 chodi\u0165 na pobo\u010dku. Okrem \u010dasu u\u0161etr\u00edte aj peniaze, preto\u017ee pois\u0165ovne va\u0161u samostatnos\u0165 odme\u0148uj\u00fa z\u013eavou. Aj ony si toti\u017e uvedomuj\u00fa, \u017ee \u0161etr\u00edte energiu ich zamestnancov, ktor\u00ed by s vami poistku rie\u0161ili v osobnom kontakte. Spo\u013eahnite sa teda na svoj internetov\u00fd prehliada\u010d.<\/p>\n\n\n\n

2. Porovnajte si ponuky nieko\u013ek\u00fdch pois\u0165ovn\u00ed<\/strong><\/p>\n\n\n\n

M\u00e1te preferovan\u00fa, osved\u010den\u00fa pois\u0165ov\u0148u? Pozrite sa na jej podmienky a slu\u017eby, ale nebr\u00e1\u0148te sa ani konkurencii. Trpezlivos\u0165 v prvom o\u0165ukan\u00ed trhu v\u00e1m m\u00f4\u017ee u\u0161etri\u0165 aj stovky eur ro\u010dne. Neznamen\u00e1 to v\u0161ak, \u017ee mus\u00edte surfova\u0165 po weboch desiatok spolo\u010dnost\u00ed.<\/p>\n\n\n\n

Na rixo.sk v\u00e1m zadarmo porovn\u00e1me tie najv\u00fdhodnej\u0161ie ponuky havarijn\u00e9ho poistenia do p\u00e1r sek\u00fand. K dispoz\u00edcii v\u00e1m s\u00fa aj na\u0161i \u0161pecialisti, ktor\u00ed v\u00e1m zodpovedia pr\u00edpadn\u00e9 ot\u00e1zky a pom\u00f4\u017eu nastavi\u0165 havarijko presne pod\u013ea va\u0161ich predst\u00e1v.<\/p>\n\n\n\n

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

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

3. Dohodnite havarijn\u00e9 poistenie spolo\u010dne s PZP<\/strong><\/p>\n\n\n\n

Vyu\u017eite v\u00fdhodn\u00e9 ponuky PZP s havarijkom. Okrem z\u013eavy v podobe bonusu, ktor\u00fd sa vz\u0165ahuje aj na havarijko, dostanete \u010fal\u0161iu z\u013eavu za dojednanie oboch poisten\u00ed z\u00e1rove\u0148.<\/p>\n\n\n\n

4. Vyberte si len niektor\u00e9 rizik\u00e1<\/strong><\/p>\n\n\n\n

Havarijn\u00e9 poistenie existuje v komplexnom variante allrisk, ktor\u00fd pokr\u00fdva v\u0161etky rizik\u00e1, ktor\u00e9 si v s\u00favislosti so \u0161kodou na va\u0161om aute alebo motorke viete predstavi\u0165 (teda \u0161kody sp\u00f4soben\u00e9 autonehodou, odcudzen\u00edm, vandalizmom alebo \u017eivlami, stretom sa zver\u00ed a po\u0161kodenie zviera\u0165om). Na druh\u00fa stranu, nie pre v\u0161etk\u00fdch je tento maxim\u00e1lny variant najvhodnej\u0161\u00ed.<\/p>\n\n\n\n

Preto bude efekt\u00edvnej\u0161ie, ke\u010f si pomenujete (a poist\u00edte) rizik\u00e1, ktor\u00e9 v\u00e1m hrozia s vy\u0161\u0161ou pravdepodobnos\u0165ou. Najviac z\u00e1le\u017e\u00ed na tom, kde b\u00fdvate a kde sa s autom be\u017ene pohybujete. B\u00fdvate v meste a parkujete na ru\u0161nej ulici? Potom sa va\u0161e auto m\u00f4\u017ee sta\u0165 cie\u013eom vandalizmu alebo kr\u00fapovej n\u00e1lo\u017ee \u013eah\u0161ie ako v pr\u00edpade, \u017ee parkujete vo vlastnej gar\u00e1\u017ei. \u017dijete na samote pri lese? Potom ur\u010dite nezabudnite na zr\u00e1\u017eku sa zver\u00ed a po\u0161kodenie zviera\u0165om.<\/p>\n\n\n\n

Nie ste si ist\u00ed, ako svoju situ\u00e1ciu vyhodnoti\u0165? Nebojte sa, na\u0161i \u0161pecialisti v\u00e1m v\u017edy radi poradia.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

5. Nastavte si vhodn\u00fa spolu\u00fa\u010das\u0165<\/strong><\/p>\n\n\n\n

Zatia\u013e \u010do mno\u017estvo vstupov na stanovenie v\u00fd\u0161ky havarijn\u00e9ho poistenia ovplyvni\u0165 nedok\u00e1\u017eete, v\u00fd\u0161ku spolu\u00fa\u010dasti na havarijku si ur\u010dujete sami. Medzi spolu\u00fa\u010das\u0165ou a poistkou plat\u00ed nepriama \u00famera: \u010d\u00edm vy\u0161\u0161ia spolu\u00fa\u010das\u0165 ste v pr\u00edpade pat\u00e1lii ochotn\u00ed zaplati\u0165, t\u00fdm ni\u017e\u0161ia bude cena poistky. Ako nastavi\u0165 vhodn\u00fa spolu\u00fa\u010das\u0165? Pozrite sa na n\u00e1\u0161 \u010dl\u00e1nok Spolu\u00fa\u010das\u0165 na havarijnom poisten\u00ed.<\/p>\n\n\n\n

6. Ka\u017ed\u00fd rok aktualizujte poistn\u00fa zmluvu<\/strong><\/p>\n\n\n\n

Kles\u00e1 v\u00fd\u0161ka va\u0161ej poistky spolo\u010dne s hodnotou v\u00e1\u0161ho auta? A\u017e na v\u00fdnimky v\u00e1m ju pois\u0165ov\u0148a automaticky zlac\u0148ova\u0165 nebude. Je na v\u00e1s, aby ste poistn\u00fa zmluvu raz ro\u010dne skontrolovali (a nechali si poistku zlacni\u0165). Pokia\u013e havarijn\u00e9 poistenie rie\u0161ite s nami, nemus\u00edte na ni\u010d myslie\u0165: upozorn\u00edme v\u00e1s tri mesiace pred v\u00fdro\u010d\u00edm va\u0161ej zmluvy a navrhneme v\u00e1m, ktor\u00e1 ponuka je pre v\u00e1s aktu\u00e1lne najv\u00fdhodnej\u0161ia.<\/p>\n","protected":false},"excerpt":{"rendered":"

Ur\u010dite viete, \u017ee havarijn\u00e9 poistenie m\u00e1 mnoho v\u00fdhod, ale m\u00f4\u017ee v\u00e1s odr\u00e1dza\u0165 vy\u0161\u0161ia cena. Preto sa pozrieme na to, ako ju zn\u00ed\u017ei\u0165 a zbyto\u010dne neprepl\u00e1ca\u0165. Rozhodne ale neodsudzujte havarijn\u00e9 poistenie ihne\u010f, v pr\u00edpade b\u00fara\u010dky alebo kr\u00e1de\u017ee v\u00e1m toti\u017e m\u00f4\u017ee u\u0161etri\u0165 aj tis\u00edce eur.<\/p>\n","protected":false},"author":10,"featured_media":38,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[13],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/posts\/35"}],"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=35"}],"version-history":[{"count":6,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/posts\/35\/revisions"}],"predecessor-version":[{"id":59,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/posts\/35\/revisions\/59"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/media\/38"}],"wp:attachment":[{"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/media?parent=35"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/categories?post=35"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/tags?post=35"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}