{"id":2876,"date":"2018-02-16T19:33:40","date_gmt":"2018-02-16T18:33:40","guid":{"rendered":"https:\/\/www.srovnator.cz\/havarijni-pojisteni\/co-ovlivnuje-cenu\/"},"modified":"2022-06-22T15:20:40","modified_gmt":"2022-06-22T13:20:40","slug":"co-ovlivnuje-cenu","status":"publish","type":"page","link":"https:\/\/www.srovnator.cz\/jak-se-pocita-havarijni-pojisteni\/","title":{"rendered":"Co ovliv\u0148uje cenu"},"content":{"rendered":"<h1>Co\u00a0ovliv\u0148uje cenu havarijn\u00edho poji\u0161t\u011bn\u00ed <\/h1>\n<p>\n    Sazby a\u00a0v\u00fdsledn\u00e9 ceny z\u00edsk\u00e1v\u00e1me od\u00a0poji\u0161\u0165oven, se\u00a0kter\u00fdmi spolupracujeme. Krom\u011b v\u00fdpo\u010dtu pojistn\u00e9ho se\u00a0do\u010dk\u00e1te i\u00a0<strong>srovn\u00e1n\u00ed poji\u0161\u0165oven<\/strong>, proto\u017ee spolupracujeme s\u00a0v\u00edce poji\u0161\u0165ovnami. Dle \u010deho tedy po\u010d\u00edt\u00e1me cenu Va\u0161eho havarijn\u00edho poji\u0161t\u011bn\u00ed?\n<\/p>\n<h2>6 pil\u00ed\u0159\u016f, na\u00a0kter\u00fdch stoj\u00ed v\u00fdpo\u010det <span title=\"Hodnotu poji\u0161t\u011bn\u00ed stanov\u00ed pojistn\u00e9. Cena je b\u011b\u017en\u00fd, v poji\u0161\u0165ovnictv\u00ed v\u0161ak neodborn\u00fd v\u00fdraz.\">ceny<\/span> havarijn\u00edho poji\u0161t\u011bn\u00ed<\/h2>\n<ol>\n<li><strong>Pojistn\u00e1 rizika<\/strong>\n<ul>\n<li>\n                Havarijn\u00ed poji\u0161t\u011bn\u00ed V\u00e1s krom\u011b dopravn\u00ed nehody m\u016f\u017ee ochr\u00e1nit i\u00a0v\u00a0p\u0159\u00edpad\u011b \u017eiveln\u00e9 pohromy, kr\u00e1de\u017ee \u010di\u00a0vandalismu. Pokud chcete b\u00fdt poji\u0161t\u011bn\u00ed proti v\u0161em zm\u00edn\u011bn\u00fdm rizik\u016fm, pochopiteln\u011b si p\u0159iplat\u00edte. Jestli\u017ee si vysta\u010d\u00edte s\u00a0jedn\u00edm rizikem, pop\u0159\u00edpad\u011b s\u00a0kombinac\u00ed 2 a\u017e 3 rizik, bude havarijn\u00ed poji\u0161t\u011bn\u00ed levn\u011bj\u0161\u00ed.\n            <\/li>\n<\/ul>\n<\/li>\n<li><strong>Spolu\u00fa\u010dast<\/strong>\n<ul>\n<li>\n                \u010c\u00edm vy\u0161\u0161\u00ed spolu\u00fa\u010dast, t\u00edm ni\u017e\u0161\u00ed ro\u010dn\u00ed pojistn\u00e9. Pokud zvol\u00edte ni\u017e\u0161\u00ed spolu\u00fa\u010dast, zaplat\u00edte za\u00a0havarijn\u00ed poji\u0161t\u011bn\u00ed v\u00edce. Spolu\u00fa\u010dast se\u00a0pohybuje od\u00a01 do\u00a020\u00a0%.\n            <\/li>\n<\/ul>\n<\/li>\n<li><strong>Druh vozidla<\/strong>\n<ul>\n<li>\n                Chcete pojistit automobil, motocykl, n\u00e1kladn\u00ed vozidlo nebo jen\u00a0p\u0159\u00edpojn\u00fd voz\u00edk? P\u0159i\u00a0stanoven\u00ed v\u00fd\u0161e pojistn\u00e9ho je\u00a0tento \u00fadaj velmi d\u016fle\u017eit\u00fd, proto\u017ee mezi babetou a\u00a0taha\u010dem rozd\u00edl p\u0159eci jen\u00a0je.\n            <\/li>\n<\/ul>\n<\/li>\n<li><strong>\u00da\u010del pou\u017eit\u00ed vozidla<\/strong>\n<ul>\n<li>\n                Vozidla do\u00a0b\u011b\u017en\u00e9ho provozu posuzuj\u00ed poji\u0161\u0165ovny jinak, ne\u017e vozidla taxislu\u017eby nebo p\u0159ednostn\u00ed vozidla slou\u017e\u00edc\u00ed z\u00e1chrann\u00fdm sbor\u016fm. V\u00fd\u0161e pojistn\u00e9ho se\u00a0tedy li\u0161\u00ed dle \u00fa\u010delu, ke\u00a0kter\u00e9mu vozidlo m\u00e1te.\n            <\/li>\n<\/ul>\n<\/li>\n<li><strong>Cena vozidla a\u00a0st\u00e1\u0159\u00ed vozidla<\/strong>\n<ul>\n<li>\n                Stejn\u011b jako u\u00a0spolu\u00fa\u010dasti, i\u00a0zde plat\u00ed p\u0159\u00edm\u00e1 \u00fam\u011brnost. \u010c\u00edm dra\u017e\u0161\u00ed a\u00a0nov\u011bj\u0161\u00ed vozidlo poji\u0161\u0165ujete, t\u00edm vy\u0161\u0161\u00ed pojistn\u00e9 zaplat\u00edte a\u00a0naopak. Dra\u017e\u0161\u00ed vozidlo m\u00e1 a\u017e na\u00a0v\u00fdjimky dra\u017e\u0161\u00ed n\u00e1hradn\u00ed d\u00edly, znamen\u00e1 tedy pro\u00a0poji\u0161\u0165ovny v\u011bt\u0161\u00ed riziko, ne\u017e vozidlo levn\u011bj\u0161\u00ed.\n            <\/li>\n<\/ul>\n<\/li>\n<li><strong>Zna\u010dka vozidla<\/strong>\n<ul>\n<li>\n                Krom\u011b ceny n\u00e1hradn\u00edch d\u00edl\u016f zde hraje roli i\u00a0presti\u017e zna\u010dky u\u00a0zlod\u011bj\u016f a\u00a0vandal\u016f. Poji\u0161\u0165ovny sleduj\u00ed, kter\u00e9\u00a0zna\u010dky vozidel jsou kraden\u00e9 nejv\u00edce \u2013 i\u00a0podle toho stanovuj\u00ed v\u00fd\u0161i pojistn\u00e9ho.\n            <\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h2>3 faktory, d\u00edky kter\u00fdm z\u00edsk\u00e1te slevu<\/h2>\n<ol>\n<li><strong>Zabezpe\u010den\u00ed vozidla<\/strong>\n<ul>\n<li>\n                \u010c\u00edm lep\u0161\u00ed zabezpe\u010den\u00ed m\u00e1te, t\u00edm m\u00e9n\u011b za\u00a0havarijn\u00ed poji\u0161t\u011bn\u00ed zaplat\u00edte, co\u017e\u00a0je\u00a0pochopiteln\u00e9, proto\u017ee dob\u0159e zabezpe\u010den\u00e9 vozidlo je\u00a0pro\u00a0poji\u0161\u0165ovnu men\u0161\u00ed riziko. Pokud m\u00e1te vozidlo chr\u00e1n\u011bn\u00e9 n\u011bkter\u00fdm ze\u00a0<br \/>\n                standardn\u00edch mechanick\u00fdch \u010di\u00a0elektronick\u00fdch n\u00e1stroj\u016f, anebo dokonce jejich kombinac\u00ed, z\u00edsk\u00e1te slevu.\n            <\/li>\n<\/ul>\n<\/li>\n<li><strong>Bonus<\/strong>\n<ul>\n<li>\n                \u010c\u00edm v\u00edce m\u011bs\u00edc\u016f beze\u0161kodn\u00edho pr\u016fb\u011bhu m\u00e1te, t\u00edm vy\u0161\u0161\u00ed slevu z\u00edsk\u00e1te. U\u00a0havarijn\u00edho poji\u0161t\u011bn\u00ed je\u00a0v\u0161ak nakl\u00e1d\u00e1n\u00ed s\u00a0bonusy pln\u011b v\u00a0moci poji\u0161\u0165oven, co\u017e\u00a0je\u00a0z\u00e1sadn\u00ed rozd\u00edl proti povinn\u00e9mu ru\u010den\u00ed, kde\u00a0<br \/>\n                V\u00e1m poji\u0161\u0165ovny mus\u00ed na\u00a0vy\u017e\u00e1d\u00e1n\u00ed vystavit doklad o\u00a0pr\u016fb\u011bhu poji\u0161t\u011bn\u00ed. U\u00a0havarijn\u00edho poji\u0161t\u011bn\u00ed V\u00e1m poji\u0161\u0165ovny m\u016f\u017eou a\u00a0nemus\u00ed doklad vystavit. Stejn\u011b jako V\u00e1m mohou a\u00a0nemus\u00ed povolit p\u0159evod bonus\u016f od\u00a0jin\u00e9 poji\u0161\u0165ovny.\n            <\/li>\n<\/ul>\n<\/li>\n<li><strong>Spl\u00e1tky pojistn\u00e9ho<\/strong>\n<ul>\n<li>\n                \u010ctvrtletn\u00ed spl\u00e1tky pojistn\u00e9ho jsou vy\u0161\u0161\u00ed ne\u017e pololetn\u00ed a\u00a0pololetn\u00ed spl\u00e1tky pojistn\u00e9ho jsou vy\u0161\u0161\u00ed ne\u017e ro\u010dn\u00ed spl\u00e1tky. Ro\u010dn\u00ed spl\u00e1tka je\u00a0pro\u00a0V\u00e1s nejv\u00fdhodn\u011bj\u0161\u00ed, zva\u017ete tedy, zda-li by\u00a0bylo lep\u0161\u00ed<br \/>\n                zaplatit pojistn\u00e9 rovnou na\u00a0cel\u00fd rok, anebo platit po\u00a0\u010d\u00e1stech, ale ve\u00a0v\u00fdsledku v\u00edce.\n            <\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h2>Dal\u0161\u00ed faktory ovliv\u0148uj\u00edc\u00ed v\u00fdslednou cenu havarijn\u00edho poji\u0161t\u011bn\u00ed<\/h2>\n<p>\n    Nyn\u00ed v\u00edte, jak\u00e9 faktory nejv\u00edce ovliv\u0148uj\u00ed cenu havarijn\u00edho poji\u0161t\u011bn\u00ed. V\u00a0kalkula\u010dce havarijn\u00edho poji\u0161t\u011bn\u00ed v\u0161ak naraz\u00edte i\u00a0na\u00a0dal\u0161\u00ed \u00fadaje, je\u017e pot\u0159ebujeme zn\u00e1t pro\u00a0v\u00fdpo\u010det. Poji\u0161\u0165ovny p\u0159i\u00a0stanoven\u00ed ceny havarijn\u00edho poji\u0161t\u011bn\u00ed hled\u00ed i\u00a0na\u00a0V\u00e1\u0161 v\u011bk, bydli\u0161t\u011b a\u00a0zda-li jste soukrom\u00e1 osoba, podnikatel, pop\u0159\u00edpad\u011b pr\u00e1vnick\u00e1 osoba.\n<\/p>\n<div class=\"text-center\"><a href=\"\/havarijni-pojisteni\/kalkulacka\/#kalkulacka\" class=\"btnc  btn btn-primary mb-2\" title=\"Spo\u010d\u00edtat havarijn\u00ed poji\u0161t\u011bn\u00ed\" rel=\"prefetch\"><span class=\"sro-calculator me-2\"><\/span>Spo\u010d\u00edtat<span class=\"d-none d-sm-inline\"> havarijn\u00ed poji\u0161t\u011bn\u00ed<\/span><\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Co\u00a0ovliv\u0148uje cenu havarijn\u00edho poji\u0161t\u011bn\u00ed Sazby a\u00a0v\u00fdsledn\u00e9 ceny z\u00edsk\u00e1v\u00e1me od\u00a0poji\u0161\u0165oven, se\u00a0kter\u00fdmi spolupracujeme. Krom\u011b v\u00fdpo\u010dtu pojistn\u00e9ho se\u00a0do\u010dk\u00e1te i\u00a0srovn\u00e1n\u00ed poji\u0161\u0165oven, proto\u017ee spolupracujeme s\u00a0v\u00edce poji\u0161\u0165ovnami. Dle \u010deho tedy po\u010d\u00edt\u00e1me cenu Va\u0161eho havarijn\u00edho poji\u0161t\u011bn\u00ed? 6 pil\u00ed\u0159\u016f, na\u00a0kter\u00fdch stoj\u00ed v\u00fdpo\u010det ceny havarijn\u00edho poji\u0161t\u011bn\u00ed Pojistn\u00e1 rizika Havarijn\u00ed poji\u0161t\u011bn\u00ed V\u00e1s krom\u011b dopravn\u00ed nehody m\u016f\u017ee ochr\u00e1nit i\u00a0v\u00a0p\u0159\u00edpad\u011b \u017eiveln\u00e9 pohromy, kr\u00e1de\u017ee \u010di\u00a0vandalismu. Pokud chcete b\u00fdt [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2810,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2876","page","type-page","status-publish","hentry"],"acf":{"page_post_meta_sidebar":"sidebar-hav","page_post_meta_bread":"Co ovliv\u0148uje cenu havarijn\u00edho poji\u0161t\u011bn\u00ed","page_post_meta_bread_child":"","page_post_meta_script_head":"","page_post_meta_leaving_screen":"false"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Co ovliv\u0148uje cenu havarijn\u00edho poji\u0161t\u011bn\u00ed - Srovn\u00e1tor.cz<\/title>\n<meta name=\"description\" content=\"Na co hled\u00edme p\u0159i v\u00fdpo\u010dtu havarijn\u00edho poji\u0161t\u011bn\u00ed? 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