{"id":74,"date":"2025-09-29T10:11:34","date_gmt":"2025-09-29T08:11:34","guid":{"rendered":"https:\/\/www.rixo.sk\/blog\/?p=74"},"modified":"2025-10-03T09:40:17","modified_gmt":"2025-10-03T07:40:17","slug":"havarijne-poistenie-all-risk-co-obsahuje-a-preco-ho-mat","status":"publish","type":"post","link":"https:\/\/www.rixo.sk\/blog\/havarijne-poistenie-all-risk-co-obsahuje-a-preco-ho-mat\/","title":{"rendered":"Havarijn\u00e9 poistenie all risk: \u010co obsahuje a pre\u010do ho ma\u0165?"},"content":{"rendered":"\n

Havarijn\u00e9 poistenie m\u00f4\u017ee ma\u0165 mnoho pod\u00f4b, ale ke\u010f h\u013ead\u00e1te t\u00fa najkomplexnej\u0161iu ochranu pre va\u0161e drah\u00e9 vozidlo, havarijn\u00e9 poistenie all risk je jasn\u00e1 vo\u013eba. S \u010d\u00edm v\u0161etk\u00fdm v\u00e1m poistenie pom\u00f4\u017ee a kde n\u00e1js\u0165 to najv\u00fdhodnej\u0161ie? Porad\u00edme v\u00e1m v na\u0161om \u010dl\u00e1nku.<\/p>\n\n\n\n

Havarijn\u00e9 poistenie sl\u00fa\u017ei na \u00fahradu \u0161k\u00f4d na va\u0161om aute, ktor\u00e9 nie s\u00fa (alebo prakticky nem\u00f4\u017eu by\u0165) hraden\u00e9 z povinn\u00e9ho zmluvn\u00e9ho poistenia in\u00e9ho vodi\u010da. \u010ci u\u017e va\u0161e auto po\u0161kod\u00ed stret so zverou, \u0165ukanec sp\u00f4soben\u00fd nezn\u00e1mym p\u00e1chate\u013eom alebo vlastn\u00e9 nedobrzdenie pri parkovan\u00ed, ni\u010d in\u00e9 ne\u017e havarijn\u00e9 poistenie v\u00e1m s platen\u00edm opr\u00e1v alebo napr\u00edklad s obstaran\u00edm nov\u00e9ho vozidla nepom\u00f4\u017ee.<\/p>\n\n\n\n

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

\u010co obsahuje havarijn\u00e9 poistenie all risk?<\/h2>\n\n\n\n

Havarijn\u00e9 poistenie all risk ocen\u00ed ka\u017ed\u00fd vodi\u010d, ktor\u00fd chce ma\u0165 \u00fapln\u00fd pokoj. Obzvl\u00e1\u0161\u0165 sa v\u0161ak odpor\u00fa\u010da majite\u013eom nov\u00fdch alebo drah\u0161\u00edch vozidiel, kde aj men\u0161ia oprava m\u00f4\u017ee st\u00e1\u0165 vy\u0161\u0161ie desa\u0165tis\u00edce eur. Hod\u00ed sa aj pre t\u00fdch, ktor\u00ed auto \u010dasto parkuj\u00fa na ulici, jazdia v oblastiach s vy\u0161\u0161\u00edm rizikom stretu so zverou alebo pravidelne cestuj\u00fa do zahrani\u010dia.<\/p>\n\n\n\n

Havarijn\u00e9 poistenie sa sklad\u00e1 z viacer\u00fdch r\u00f4znych pripoisten\u00ed \u2013 a pr\u00e1ve t\u00e1 najrobustnej\u0161ia varianta, ktor\u00e1 obsahuje v\u0161etky pripoistenia, sa naz\u00fdva all risk. Takmer \u010doko\u013evek, \u010do by sa v\u00e1\u0161mu vozidlu mohlo sta\u0165, je t\u00fdmto poisten\u00edm kryt\u00e9. \u010co teda ka\u017ed\u00e9 havarijn\u00e9 poistenie all risk pon\u00faka?<\/p>\n\n\n\n

Poistenie hav\u00e1rie<\/h3>\n\n\n\n

Poistenie hav\u00e1rie v\u00e1s chr\u00e1ni pre pr\u00edpad, \u017ee sp\u00f4sob\u00edte nehodu a vznikne \u0161koda na va\u0161om aute, pr\u00edpadne ho vyu\u017eijete aj vtedy, ke\u010f do v\u00e1s naraz\u00ed niekto in\u00fd, ale nepodar\u00ed sa zisti\u0165 kto. Be\u017ene by v\u00e1m tak\u00fato \u0161kodu uhradila pois\u0165ov\u0148a z povinn\u00e9ho zmluvn\u00e9ho poistenia vinn\u00edka, no ke\u010f nie je zn\u00e1my, nem\u00e1te in\u00fa mo\u017enos\u0165 ne\u017e sa spo\u013eahn\u00fa\u0165 na havarijn\u00e9 poistenie alebo vlastn\u00e9 \u00faspory. Pokryje v\u0161ak aj r\u00f4zne p\u00e1dy, n\u00e1razy a in\u00e9 ne\u0161\u0165astia.<\/p>\n\n\n\n

Stret so zverou<\/h3>\n\n\n\n

Stret so zverou je vlastne len hav\u00e1ria, kde druh\u00fdm \u00fa\u010dastn\u00edkom nie je vodi\u010d, ale napr\u00edklad srnka alebo diviak. Na rozdiel od klasickej dopravnej nehody je v\u0161ak stret so zverou v\u017edy pova\u017eovan\u00fd za nezavinen\u00fd. \u0160kody sp\u00f4soben\u00e9 stretom so zverou nie s\u00fa na Slovensku ni\u010d\u00edm v\u00fdnimo\u010dn\u00fdm, najm\u00e4 na okresn\u00fdch cest\u00e1ch, a preto by toto riziko nemalo ch\u00fdba\u0165 v \u017eiadnom poisten\u00ed.<\/p>\n\n\n\n

Po\u0161kodenie zaparkovan\u00e9ho vozidla zviera\u0165om<\/h3>\n\n\n\n

\u0160kody sp\u00f4soben\u00e9 kunami, predov\u0161etk\u00fdm prehryznutie k\u00e1blov v motorovom priestore – nie s\u00fa, podobne ako stret so zverou, nijakou raritou. Okrem kabel\u00e1\u017ee m\u00f4\u017ee kuna po\u0161kodi\u0165 aj izol\u00e1ciu kapoty a oprava sa m\u00f4\u017ee vy\u0161plha\u0165 a\u017e na stovky eur.<\/p>\n\n\n\n

Poistenie \u017eiveln\u00fdch udalost\u00ed<\/h3>\n\n\n\n

Po\u0161kodenie auta krupobit\u00edm, p\u00e1dom stromu, v\u00edchricou, z\u00e1plavou \u010di povod\u0148ou alebo dokonca po\u017eiarom \u2013 to v\u0161etko patr\u00ed medzi \u017eiveln\u00e1 rizik\u00e1. Spad\u00e1 sem napr\u00edklad aj zosuv p\u00f4dy \u010di lav\u00edna. Je v\u0161ak nutn\u00e9 po\u010d\u00edta\u0165 s t\u00fdm, \u017ee poistenie v\u017edy vy\u017eaduje, aby \u0161kodov\u00e1 udalos\u0165 bola n\u00e1hodn\u00e1 \u2013 z tohto d\u00f4vodu je v poistn\u00fdch podmienkach stanoven\u00e1 10-d\u0148ov\u00e1 \u010dakacia lehota odo d\u0148a uzatvorenia poistenia pre \u0161kody sp\u00f4soben\u00e9 povod\u0148ou a z\u00e1plavou.<\/p>\n\n\n\n

Poistenie vandalizmu<\/h3>\n\n\n\n

Nie v\u017edy m\u00f4\u017ee za po\u0161kodenie v\u00e1\u0161ho vozidla n\u00e1hoda. Vandali m\u00f4\u017eu rozbi\u0165 okn\u00e1, po\u0161kriaba\u0165 lak alebo ulomi\u0165 zrkadl\u00e1 \u2013 a v\u00e4\u010d\u0161inou po nich nezostane ani stopa. Pr\u00e1ve situ\u00e1cie, ke\u010f sa p\u00e1chate\u013ea nepodar\u00ed odhali\u0165, kryje poistenie vandalizmu. Ak pol\u00edcia p\u00e1chate\u013ea odhal\u00ed, \u0161koda sa bude vym\u00e1ha\u0165 od neho.<\/p>\n\n\n\n

Poistenie kr\u00e1de\u017ee<\/h3>\n\n\n\n

\u010ci u\u017e v\u00e1m niekto ukradne cel\u00e9 auto alebo len jeho \u010das\u0165 (napr\u00edklad koles\u00e1), poistenie kr\u00e1de\u017ee m\u00f4\u017ee by\u0165, rovnako ako v pr\u00edpade vandalizmu, jedinou z\u00e1rukou, \u017ee v\u00e1m bude \u0161koda nahraden\u00e1. Pr\u00edpady kr\u00e1de\u017ee vozidiel s\u00fa toti\u017e \u010dasto aj napriek snahe pol\u00edcie odlo\u017een\u00e9 bez hmatate\u013en\u00e9ho v\u00fdsledku.<\/p>\n\n\n\n

Poistenie GAP<\/h3>\n\n\n\n

Pre nov\u00e9 vozidl\u00e1 do maxim\u00e1lne 5 rokov od prv\u00e9ho uvedenia do prev\u00e1dzky je poistenie GAP (guaranteed asset protection) takmer nevyhnutnos\u0165ou \u2013 zabezpe\u010duje, \u017ee pri kr\u00e1de\u017ei alebo tot\u00e1lnej \u0161kode na vozidle v\u00e1m bude vyplaten\u00e1 n\u00e1hrada vo v\u00fd\u0161ke plnej k\u00fapnej ceny. Ak by ste GAP poistenie nemali a pois\u0165ov\u0148a by v\u00e1m poskytla plnenie z in\u00fdch poisten\u00ed, v\u017edy by ste dostali iba n\u00e1hradu vo v\u00fd\u0161ke aktu\u00e1lnej hodnoty vozidla. T\u00e1 v\u0161ak m\u00f4\u017ee by\u0165 u\u017e po 2 rokoch pou\u017e\u00edvania pokojne aj o p\u00e4tinu ni\u017e\u0161ia ne\u017e pri k\u00fape.<\/p>\n\n\n\n

\u010co havarijn\u00e9 poistenie all risk nepokryje?<\/h3>\n\n\n\n

Aj ten najkomplexnej\u0161\u00ed bal\u00edk m\u00e1 svoje obmedzenia. Pois\u0165ov\u0148a v\u00e1m napr\u00edklad neuhrad\u00ed \u0161kody, ktor\u00e9 si na svojom vozidle sp\u00f4sob\u00edte sami \u00famyselne, pod vplyvom alkoholu alebo drog \u010di pri p\u00e1chan\u00ed trestnej \u010dinnosti. Poistenie sa tie\u017e zvy\u010dajne nevz\u0165ahuje na be\u017en\u00e9 opotrebovanie, technick\u00e9 poruchy alebo \u0161kody vzniknut\u00e9 prev\u00e1dzkou mimo verejn\u00fdch komunik\u00e1ci\u00ed \u2013 hav\u00e1riu na z\u00e1vodnom okruhu v\u00e1m be\u017en\u00e9 havarijn\u00e9 poistenie ani v all risk variante nezaplat\u00ed.<\/p>\n\n\n\n

\"havarijn\u00e9<\/figure>\n\n\n\n

Ako vybera\u0165 a uzatvori\u0165 havarijn\u00e9 poistenie all risk?<\/h3>\n\n\n\n

D\u00f4le\u017eit\u00e9 je predov\u0161etk\u00fdm spr\u00e1vne nastavenie hodnoty vozidla \u2013 t\u00e1 toti\u017e tvor\u00ed hlavn\u00fa poistn\u00fa sumu pre v\u0161etky rizik\u00e1. Neoplat\u00ed sa ju ani nadhodnocova\u0165, ani umelo zni\u017eova\u0165. Aj pri aute toti\u017e m\u00f4\u017ee d\u00f4js\u0165 k podpoisteniu. Zn\u00ed\u017eili by ste si platbu za havarijn\u00e9 poistenie, no pri \u0161kode by ste kv\u00f4li kr\u00e1teniu plnenia nemuseli dosta\u0165 to\u013eko pe\u0148az\u00ed, ko\u013eko re\u00e1lne potrebujete na opravu vozidla alebo pri tot\u00e1lnej \u0161kode na k\u00fapu nov\u00e9ho auta.<\/p>\n\n\n\n

D\u00f4le\u017eit\u00e1 je aj v\u00fd\u0161ka spolu\u00fa\u010dasti \u2013 teda ko\u013eko zaplat\u00edte pri \u0161kode z vlastn\u00e9ho vrecka. Pri v\u00fdbere poistky preferujte rad\u0161ej pevne ur\u010den\u00fa spolu\u00fa\u010das\u0165 ne\u017e percentu\u00e1lnu. Mohli by ste by\u0165 prekvapen\u00ed, ko\u013eko m\u00f4\u017ee pri tot\u00e1lnej \u0161kode na va\u0161om drahom vozidle znamena\u0165 iba 5 percent spolu\u00fa\u010dasti.<\/p>\n\n\n\n

A samozrejme rozhoduje aj cena. Ani za kvalitn\u00e9 havarijn\u00e9 poistenie all risk nemus\u00edte plati\u0165 horibiln\u00e9 sumy. Neviete, ako h\u013eada\u0165 t\u00fa najv\u00fdhodnej\u0161iu ponuku? Porovnajte si havarijn\u00e9 poistenie na RIXO.sk a my v\u00e1m n\u00e1jdeme to najlep\u0161ie u\u017e za 2 min\u00faty. Po\u010fte na to!<\/p>\n\n\n\n

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

<\/p>\n","protected":false},"excerpt":{"rendered":"

Havarijn\u00e9 poistenie m\u00f4\u017ee ma\u0165 mnoho pod\u00f4b, ale ke\u010f h\u013ead\u00e1te t\u00fa najkomplexnej\u0161iu ochranu pre va\u0161e drah\u00e9 vozidlo, havarijn\u00e9 poistenie all risk je jasn\u00e1 vo\u013eba. S \u010d\u00edm v\u0161etk\u00fdm v\u00e1m poistenie pom\u00f4\u017ee a kde n\u00e1js\u0165 to najv\u00fdhodnej\u0161ie? Porad\u00edme v\u00e1m v na\u0161om \u010dl\u00e1nku.<\/p>\n","protected":false},"author":10,"featured_media":76,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/posts\/74"}],"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=74"}],"version-history":[{"count":2,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/posts\/74\/revisions"}],"predecessor-version":[{"id":78,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/posts\/74\/revisions\/78"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/media\/76"}],"wp:attachment":[{"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/media?parent=74"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/categories?post=74"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/tags?post=74"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}