{"id":39838,"date":"2023-03-20T05:00:00","date_gmt":"2023-03-20T04:00:00","guid":{"rendered":"https:\/\/www.mzone.cz\/?p=39838"},"modified":"2023-03-17T19:10:13","modified_gmt":"2023-03-17T18:10:13","slug":"havarijni-pojisteni-znevyhodnuje-elektromobily-bonus-dostanou-zkuseni-ridici","status":"publish","type":"post","link":"https:\/\/www.mzone.cz\/en\/havarijni-pojisteni-znevyhodnuje-elektromobily-bonus-dostanou-zkuseni-ridici\/","title":{"rendered":"Havarijn\u00ed poji\u0161t\u011bn\u00ed znev\u00fdhod\u0148uje elektromobily, bonus dostanou zku\u0161en\u00ed \u0159idi\u010di"},"content":{"rendered":"<p><strong>V\u00fd\u0161e havarijn\u00edho poji\u0161t\u011bn\u00ed vych\u00e1z\u00ed hned z n\u011bkolika parametr\u016f, t\u00fdkaj\u00edc\u00edch se samotn\u00e9ho vozu a jeho majitele, ale tak\u00e9 z rozsahu pojistn\u00e9ho pln\u011bn\u00ed. Jak\u00e9 parametry to jsou, u kter\u00fdch automobil\u016f lze v\u00fdhodn\u011b sjednat havarijn\u00ed poji\u0161t\u011bn\u00ed a jak se zp\u016fsob stanoven\u00ed jeho ceny odli\u0161uje od poji\u0161t\u011bn\u00ed odpov\u011bdnosti z provozu vozidla, tzv. povinn\u00e9ho ru\u010den\u00ed?<\/strong><\/p><br>\n\n\n\n<h2 class=\"wp-block-heading\">Pou\u017eijte registra\u010dn\u00ed zna\u010dku nebo VIN<\/h2>\n\n\n\n<p>Ke stanoven\u00ed ceny havarijn\u00edho poji\u0161t\u011bn\u00ed budete pot\u0159ebovat celou \u0159adu \u00fadaj\u016f o va\u0161em vozidle. Najdete je ve velk\u00e9m technick\u00e9m pr\u016fkazu auta, ale \u0159ada poji\u0161\u0165oven a internetov\u00fdch srovn\u00e1va\u010d\u016f cen si vysta\u010d\u00ed se zad\u00e1n\u00edm registra\u010dn\u00ed zna\u010dky vozidla nebo jeho k\u00f3du VIN (ten najdete i v mal\u00e9m technick\u00e9m pr\u016fkazu).<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>A co je nejd\u016fle\u017eit\u011bj\u0161\u00ed \u2013 zat\u00edmco cena poji\u0161t\u011bn\u00ed odpov\u011bdnosti z provozu vozidla vych\u00e1z\u00ed p\u0159edev\u0161\u00edm ze zdvihov\u00e9ho objemu motoru poji\u0161\u0165ovan\u00e9ho vozidla (\u010d\u00edm je objem motoru men\u0161\u00ed, t\u00edm je poji\u0161t\u011bn\u00ed levn\u011bj\u0161\u00ed), v\u00fdpo\u010det ceny havarijn\u00edho poji\u0161t\u011bn\u00ed stav\u00ed p\u0159edev\u0161\u00edm na cen\u011b automobilu.<\/p>\n<\/blockquote>\n\n\n\n<p>Na to je d\u016fle\u017eit\u00e9 pamatovat p\u0159edev\u0161\u00edm v p\u0159\u00edpad\u011b po\u0159\u00edzen\u00ed vozu na leasing nebo \u00fav\u011br. Krom\u011b ceny vozidla ale vstupuj\u00ed do hry tak\u00e9 dal\u0161\u00ed parametry.<\/p><br>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/pexels-kaique-rocha-125514-1024x576.jpg\" alt=\"Auta\" class=\"wp-image-39846\" srcset=\"https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/pexels-kaique-rocha-125514-1024x576.jpg 1024w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/pexels-kaique-rocha-125514-300x169.jpg 300w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/pexels-kaique-rocha-125514-768x432.jpg 768w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/pexels-kaique-rocha-125514-1536x864.jpg 1536w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/pexels-kaique-rocha-125514-18x10.jpg 18w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/pexels-kaique-rocha-125514-590x332.jpg 590w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/pexels-kaique-rocha-125514.jpg 1919w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><br>\n\n\n\n<h2 class=\"wp-block-heading\">Z\u00e1le\u017e\u00ed (nejen) na v\u00fdkonu<\/h2>\n\n\n\n<p>Zat\u00edmco v p\u0159\u00edpad\u011b povinn\u00e9ho ru\u010den\u00ed bude poji\u0161\u0165ovnu zaj\u00edmat objem motoru, u v\u00fdpo\u010dtu v\u00fd\u0161e havarijn\u00edho poji\u0161t\u011bn\u00ed je rozhoduj\u00edc\u00ed jeho v\u00fdkon. A zde m\u016f\u017eete narazit na \u00faskal\u00ed spojen\u00e9 s elektromobily. Vozy poh\u00e1n\u011bn\u00e9 elekt\u0159inou maj\u00ed toti\u017e zpravidla nejen v\u00fdrazn\u011b vy\u0161\u0161\u00ed cenu ne\u017e srovnateln\u00e1 auta se spalovac\u00edmi motory, ale tak\u00e9 podstatn\u011b vy\u0161\u0161\u00ed v\u00fdkon (co\u017e se t\u00fdk\u00e1 i hybridn\u00edch voz\u016f). A v\u00fdrazn\u011b v\u011bt\u0161\u00ed b\u00fdvaj\u00ed tak\u00e9 \u0161kody, zp\u016fsoben\u00e9 p\u0159i autonehod\u00e1ch, p\u0159edev\u0161\u00edm pokud se t\u00fdkaj\u00ed nejdra\u017e\u0161\u00ed sou\u010d\u00e1sti elektromobil\u016f, kterou jsou jejich baterie. Pak bohu\u017eel doch\u00e1z\u00ed k tomu, \u017ee havarijn\u00ed poji\u0161t\u011bn\u00ed auta na elekt\u0159inu vych\u00e1z\u00ed jako v\u00fdrazn\u011b dra\u017e\u0161\u00ed ne\u017e u vozu na benz\u00edn nebo naftu.<\/p><br>\n\n\n\n<p>Uka\u017eme si konkr\u00e9tn\u00ed p\u0159\u00edklad. Pokud v <a href=\"https:\/\/www.klik.cz\/\" target=\"_blank\" rel=\"noreferrer noopener\">internetov\u00e9m srovn\u00e1va\u010di Klik.cz<\/a> nech\u00e1me nacenit havarijn\u00ed poji\u0161t\u011bn\u00ed vozu Volkswagen Golf s r\u016fzn\u00fdmi typy pohonu, p\u0159i stejn\u00e9 cen\u011b (ojet\u00e9ho) vozu (650 000 K\u010d) i shodn\u00fdch dal\u0161\u00edch parametrech (soukrom\u00fd majitel s bydli\u0161t\u011bm v Praze), dostaneme n\u00e1sleduj\u00edc\u00ed v\u00fdpo\u010dty cen havarijn\u00edho poji\u0161t\u011bn\u00ed:\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Benz\u00ednov\u00fd VW Golf 1.5 TSI 110 kW \u2013 od 11 830 K\u010d\u00a0<\/li>\n\n\n\n<li>Naftov\u00fd VW Golf 2.0 TDI 110 kW \u2013 od 11 830 K\u010d\u00a0<\/li>\n\n\n\n<li>Elektrick\u00fd VW e-Golf 100 kW \u2013 od 13 956 K\u010d\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Majitel elektrick\u00e9 varianty jinak stejn\u00e9ho vozu si tedy za havarijn\u00ed poji\u0161t\u011bn\u00ed p\u0159iplat\u00ed p\u0159ibli\u017en\u011b 18 %.<\/p><br>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/Volkswagen-Golf-1024x682.jpg\" alt=\"Volkswagen Golf\" class=\"wp-image-39853\" srcset=\"https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/Volkswagen-Golf-1024x682.jpg 1024w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/Volkswagen-Golf-300x200.jpg 300w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/Volkswagen-Golf-768x512.jpg 768w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/Volkswagen-Golf-1536x1024.jpg 1536w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/Volkswagen-Golf-18x12.jpg 18w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/Volkswagen-Golf-800x533.jpg 800w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/Volkswagen-Golf-400x267.jpg 400w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/Volkswagen-Golf-500x333.jpg 500w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/Volkswagen-Golf-1170x780.jpg 1170w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/Volkswagen-Golf-590x393.jpg 590w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/Volkswagen-Golf.jpg 1766w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><br>\n\n\n\n<h2 class=\"wp-block-heading\">V\u00fdhodn\u011bj\u0161\u00ed cena pro zku\u0161en\u00e9 \u0159idi\u010de z mal\u00fdch m\u011bst<\/h2>\n\n\n\n<p>Do v\u00fdpo\u010dtu ceny havarijn\u00edho poji\u0161t\u011bn\u00ed vstupuj\u00ed i dal\u0161\u00ed faktory. Dra\u017e\u0161\u00ed je v\u017edy poji\u0161t\u011bn\u00ed vozidel vyu\u017e\u00edvan\u00fdch k podnik\u00e1n\u00ed (proto\u017ee zpravidla najedou v\u011bt\u0161\u00ed mno\u017estv\u00ed kilometr\u016f a maj\u00ed tak v\u011bt\u0161\u00ed pravd\u011bpodobnost nehody) a p\u0159iplat\u00ed si i mlad\u0161\u00ed, m\u00e9n\u011b zku\u0161en\u00ed \u0159idi\u010di, stejn\u011b jako majitel\u00e9 aut z velk\u00fdch m\u011bst (kv\u016fli hust\u0161\u00edmu provozu, a tedy op\u011bt v\u011bt\u0161\u00ed pravd\u011bpodobnosti pojistn\u00e9 ud\u00e1losti).<\/p><br>\n\n\n\n<p>V neposledn\u00ed \u0159ad\u011b z\u00e1le\u017e\u00ed tak\u00e9 na v\u00fd\u0161i spolu\u00fa\u010dasti na \u0161kod\u00e1ch, kter\u00e1 se b\u011b\u017en\u011b pohybuje od 0 do 20 %. O stokoruny a\u017e tis\u00edce m\u016f\u017ee v\u00fd\u0161i ro\u010dn\u00edho pojistn\u00e9ho m\u011bnit tak\u00e9 rozsah poji\u0161t\u011bn\u00fdch rizik (vedle hav\u00e1rie tak\u00e9 kr\u00e1de\u017e, vandalismus, st\u0159et se zv\u011b\u0159\u00ed, \u017eiveln\u00e9 ud\u00e1losti ad.), stejn\u011b jako asisten\u010dn\u00ed slu\u017eby (odtah nepoj\u00edzdn\u00e9ho vozidla, zap\u016fj\u010den\u00ed n\u00e1hradn\u00edho vozu b\u011bhem opravy atd.).&nbsp;<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Podle dat spole\u010dnosti Klik.cz bylo v roce 2022 uzav\u0159eno 76 % smluv povinn\u00e9ho ru\u010den\u00ed, a 24 % v kombinaci havarijn\u00edho a povinn\u00e9ho ru\u010den\u00ed. V uplynul\u00e9m roce \u010ce\u0161i nej\u010dast\u011bji poji\u0161\u0165ovali zna\u010dky jako \u0160koda, Volkswagen a Ford v t\u011bsn\u00e9m z\u00e1v\u011bsu se um\u00edstily Peugeot a Renault.<\/p>\n<\/blockquote>\n\n\n\n<p>\u017deb\u0159\u00ed\u010dek nejv\u00edce poji\u0161\u0165ovan\u00fdch model\u016f voz\u016f obsadily Octavia, Fabia, Golf, Passat a Focus. P\u0159esto, \u017ee je m\u00e9n\u011b v\u00fdhodn\u00e9 poji\u0161\u0165ovat vozy star\u0161\u00ed 10 let z d\u016fvodu jejich klesaj\u00edc\u00ed hodnoty, nej\u010dast\u011bji poji\u0161\u0165ovan\u00fd rok v\u00fdroby se pohyboval mezi lety 2004-2007.<\/p><br>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/pexels-life-of-pix-7674-1024x683.jpg\" alt=\"Auta\" class=\"wp-image-39857\" srcset=\"https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/pexels-life-of-pix-7674-1024x683.jpg 1024w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/pexels-life-of-pix-7674-300x200.jpg 300w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/pexels-life-of-pix-7674-768x512.jpg 768w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/pexels-life-of-pix-7674-1536x1024.jpg 1536w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/pexels-life-of-pix-7674-18x12.jpg 18w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/pexels-life-of-pix-7674-800x533.jpg 800w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/pexels-life-of-pix-7674-400x267.jpg 400w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/pexels-life-of-pix-7674-500x333.jpg 500w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/pexels-life-of-pix-7674-1170x780.jpg 1170w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/pexels-life-of-pix-7674-590x393.jpg 590w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2023\/03\/pexels-life-of-pix-7674.jpg 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><br>\n\n\n\n<h2 class=\"wp-block-heading\">Havarijn\u00ed poji\u0161t\u011bn\u00ed nejprod\u00e1van\u011bj\u0161\u00edch aut v \u010cR<\/h2>\n\n\n\n<p>Pokud si vezmeme \u017eeb\u0159\u00ed\u010dek nejprod\u00e1van\u011bj\u0161\u00edch voz\u016f v \u010cesk\u00e9 republice za rok 2022 podle statistik Svazu dovozc\u016f automobil\u016f, m\u016f\u017eeme ve srovn\u00e1va\u010di snadno zjistit cenu havarijn\u00edho poji\u0161t\u011bn\u00ed z\u00e1kladn\u00edch model\u016f t\u011bchto voz\u016f:\u00a0<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u0160koda Octavia<\/strong> (13 906 prodan\u00fdch) \u2013 havarijn\u00ed poji\u0161t\u011bn\u00ed od 9 577 K\u010d\u00a0<\/li>\n\n\n\n<li><strong>\u0160koda Fabia<\/strong> (13 142 prodan\u00fdch) \u2013 havarijn\u00ed poji\u0161t\u011bn\u00ed od 5 728 K\u010d\u00a0<\/li>\n\n\n\n<li><strong>Hyundai i30<\/strong> (8 236 prodan\u00fdch) \u2013 havarijn\u00ed poji\u0161t\u011bn\u00ed od 7 272 K\u010d\u00a0<\/li>\n\n\n\n<li><strong>\u0160koda Karoq<\/strong> (7 960 prodan\u00fdch) \u2013 havarijn\u00ed poji\u0161t\u011bn\u00ed od 9 516 K\u010d\u00a0<\/li>\n\n\n\n<li><strong>\u0160koda Kamiq<\/strong> (6 831 prodan\u00fdch) \u2013 havarijn\u00ed poji\u0161t\u011bn\u00ed od 6 516 K\u010d\u00a0<\/li>\n\n\n\n<li><strong>\u0160koda Scala<\/strong> (6 495 prodan\u00fdch) \u2013 havarijn\u00ed poji\u0161t\u011bn\u00ed od 7 655 K\u010d\u00a0<\/li>\n\n\n\n<li><strong>\u0160koda Superb<\/strong> (6 452 prodan\u00fdch) \u2013 havarijn\u00ed poji\u0161t\u011bn\u00ed od 16 259 K\u010d\u00a0<\/li>\n\n\n\n<li><strong>\u0160koda Kodiaq<\/strong> (6 326 prodan\u00fdch) \u2013 havarijn\u00ed poji\u0161t\u011bn\u00ed od 11 004 K\u010d\u00a0<\/li>\n\n\n\n<li><strong>Hyundai Tucson<\/strong> (5 816 prodan\u00fdch) \u2013 havarijn\u00ed poji\u0161t\u011bn\u00ed od 10 860 K\u010d\u00a0<\/li>\n\n\n\n<li><strong>Kia Ceed<\/strong> (4 052 prodan\u00fdch) \u2013 havarijn\u00ed poji\u0161t\u011bn\u00ed od 6 396 K\u010d<\/li><br>\n<\/ol>\n\n\n\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile is-vertically-aligned-top\" style=\"grid-template-columns:22% auto\"><figure class=\"wp-block-media-text__media\"><a href=\"https:\/\/www.mzone.cz\/nejlevnejsi-pojisteni-auta\/\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/www.mzone.cz\/wp-content\/uploads\/2022\/11\/Poskozeni-auta-1024x682.jpg\" alt=\"Po\u0161kozen\u00ed auta\" class=\"wp-image-38637 size-full\" srcset=\"https:\/\/www.mzone.cz\/wp-content\/uploads\/2022\/11\/Poskozeni-auta-1024x682.jpg 1024w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2022\/11\/Poskozeni-auta-300x200.jpg 300w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2022\/11\/Poskozeni-auta-768x512.jpg 768w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2022\/11\/Poskozeni-auta-18x12.jpg 18w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2022\/11\/Poskozeni-auta-800x533.jpg 800w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2022\/11\/Poskozeni-auta-400x267.jpg 400w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2022\/11\/Poskozeni-auta-500x333.jpg 500w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2022\/11\/Poskozeni-auta-1170x780.jpg 1170w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2022\/11\/Poskozeni-auta-590x393.jpg 590w, https:\/\/www.mzone.cz\/wp-content\/uploads\/2022\/11\/Poskozeni-auta.jpg 1355w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><div class=\"wp-block-media-text__content\">\n<h4><a href=\"https:\/\/www.mzone.cz\/nejlevnejsi-pojisteni-auta\/\">Tipy a triky na to nejlevn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed auta<\/a><\/h4><br>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>V\u00fd\u0161e havarijn\u00edho poji\u0161t\u011bn\u00ed vych\u00e1z\u00ed hned z n\u011bkolika parametr\u016f, t\u00fdkaj\u00edc\u00edch se samotn\u00e9ho vozu a jeho majitele, ale tak\u00e9 z rozsahu pojistn\u00e9ho pln\u011bn\u00ed. Jak\u00e9 parametry to jsou, u kter\u00fdch automobil\u016f lze v\u00fdhodn\u011b sjednat havarijn\u00ed poji\u0161t\u011bn\u00ed a jak se zp\u016fsob stanoven\u00ed jeho ceny odli\u0161uje od poji\u0161t\u011bn\u00ed odpov\u011bdnosti z provozu vozidla, tzv. povinn\u00e9ho ru\u010den\u00ed? Pou\u017eijte registra\u010dn\u00ed zna\u010dku nebo VIN [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":39845,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"kk_blocks_editor_width":"","_kiokenblocks_attr":"","_kiokenblocks_dimensions":"","footnotes":""},"categories":[69],"tags":[585,82,462,552,2256,2613,5607,3901,4657,4658,5039,1205],"class_list":["post-39838","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-moto","tag-auta","tag-auto","tag-auto-moto","tag-automobily","tag-ceny","tag-elektromobily","tag-havarijni-pojisteni","tag-podminky","tag-pojisteni","tag-pojistka","tag-povinne-ruceni","tag-srovnani"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Havarijn\u00ed poji\u0161t\u011bn\u00ed znev\u00fdhod\u0148uje elektromobily, bonus dostanou zku\u0161en\u00ed \u0159idi\u010di - Mzone<\/title>\n<meta name=\"description\" content=\"V\u00fd\u0161e havarijn\u00edho poji\u0161t\u011bn\u00ed vych\u00e1z\u00ed hned z n\u011bkolika parametr\u016f, t\u00fdkaj\u00edc\u00edch se samotn\u00e9ho vozu a jeho majitele, ale tak\u00e9 z rozsahu pojistn\u00e9ho pln\u011bn\u00ed. 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