{"id":2882,"date":"2018-02-18T16:24:41","date_gmt":"2018-02-18T15:24:41","guid":{"rendered":"https:\/\/www.srovnator.cz\/pojisteni-odpovednosti-a-pojistka-blbost\/"},"modified":"2026-01-27T15:04:04","modified_gmt":"2026-01-27T14:04:04","slug":"pojisteni-odpovednosti-a-pojistka-blbost","status":"publish","type":"page","link":"https:\/\/www.srovnator.cz\/pojistka-na-blbost-pojisteni-odpovednosti\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti   a pojistka na blbost"},"content":{"rendered":"<h2>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti, pojistka na blbost<\/h2>\n<p>\n    Poji\u0161t\u011bn\u00ed odpov\u011bdnosti je typ poji\u0161t\u011bn\u00ed vztahuj\u00edc\u00ed se na \u00fajmu na zdrav\u00ed nebo usmrcen\u00ed, \u0161kodu na majetku, u\u0161l\u00fd zisk a n\u00e1klady pr\u00e1vn\u00edho zastoupen\u00ed, kter\u00e9 poji\u0161t\u011bn\u00fd zp\u016fsobil p\u0159\u00edmo nebo nep\u0159\u00edmo jin\u00e9 osob\u011b. Poji\u0161t\u011bn\u00ed odpov\u011bdnosti je souhrnn\u00fd n\u00e1zev pro v\u00edce typu poji\u0161t\u011bn\u00ed a v\u011bt\u0161inou se jedn\u00e1 o dobrovoln\u00e9 poji\u0161t\u011bn\u00ed.\n<\/p>\n<p itemprop=\"image\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/ImageObject\">\n    <meta itemprop=\"url\" content=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/e17a3ef4-pojisteni-odpovednosti-a-pojistka-na-blbost.jpg\"><br \/>\n    <meta itemprop=\"width\" content=\"645\"><br \/>\n    <meta itemprop=\"height\" content=\"430\"><strong><img decoding=\"async\" src=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/e17a3ef4-pojisteni-odpovednosti-a-pojistka-na-blbost.jpg\" alt=\"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti a pojistka na blbost\" title=\"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti a pojistka na blbost\" width=\"770\" height=\"513\"><\/strong>\n<\/p>\n<h3>Druhy poji\u0161t\u011bn\u00ed odpov\u011bdnosti:<\/h3>\n<ul>\n<li>odpov\u011bdnost ob\u010dan\u016f (pojistka na blbost)<\/li>\n<li>odpov\u011bdnost podnikatele<\/li>\n<li>odpov\u011bdnost zam\u011bstnance<\/li>\n<li>odpov\u011bdnost z&nbsp;provozu vozidla (povinn\u00e9 ru\u010den\u00ed)<\/li>\n<li>a dal\u0161\u00ed jako jsou profesn\u00ed odpov\u011bdnosti a individu\u00e1ln\u00ed odpov\u011bdnosti<\/li>\n<\/ul>\n<p>\n    Mezi nej\u017e\u00e1dan\u011bj\u0161\u00ed v&nbsp;dne\u0161n\u00ed dob\u011b pat\u0159\u00ed odpov\u011bdnost v&nbsp;b\u011b\u017en\u00e9m ob\u010dansk\u00e9m \u017eivot\u011b a poji\u0161t\u011bn\u00ed odpov\u011bdnosti z&nbsp;v\u00fdkonu povol\u00e1n\u00ed. Ve v\u0161ech p\u0159\u00edpadech se jedn\u00e1 o poji\u0161t\u011bn\u00ed \u0161kodov\u00e9 a pojistn\u00e9 pln\u011bn\u00ed je v\u017edy vypl\u00e1ceno po\u0161kozen\u00e9mu, nikoliv poji\u0161t\u011bn\u00e9mu.\n<\/p>\n<h3>Odpov\u011bdnost ob\u010dan\u016f (pojistka na blbost)<\/h3>\n<p>\n    Poji\u0161t\u011bn\u00ed odpov\u011bdnosti z b\u011b\u017en\u00e9ho ob\u010dansk\u00e9ho \u017eivota (pojistka na blbost) je poji\u0161t\u011bn\u00ed, kter\u00e9 se vztahuje nejen na \u0161kody zp\u016fsoben\u00e9 p\u0159\u00edmo va\u0161\u00ed osobou, ale tak\u00e9 na \u010dinnost ostatn\u00edch \u010dlen\u016f dom\u00e1cnosti, a to v\u010detn\u011b dom\u00e1c\u00edch mazl\u00ed\u010dk\u016f. Kryje tak\u00e9 \u0161kody zp\u016fsoben\u00e9 provozem va\u0161eho majetku a v sou\u010dasn\u00e9 dob\u011b je pojistka na blbost t\u00e9m\u011b\u0159 nezbytnost\u00ed.\n<\/p>\n<p>\n    Je vhodn\u00e9 jej tedy m\u00edt uzav\u0159eno a\u0165 u\u017e bydl\u00edte v&nbsp;byt\u011b a boj\u00edte se vytopen\u00ed soused\u016f, nebo t\u0159eba jen, \u017ee va\u0161e d\u00edt\u011b upust\u00ed p\u016fj\u010den\u00fd tablet nebo rozbije m\u00ed\u010dem okno u domu p\u0159es ulici.\n<\/p>\n<ul>\n<li>Pojistka na blbost se nevztahuje samoz\u0159ejm\u011b jen na v\u011bci t\u00fdkaj\u00edc\u00ed se va\u0161\u00ed dom\u00e1cnosti, ale i na b\u011b\u017en\u00fd \u017eivot, jak u\u017e z&nbsp;n\u00e1zvu vypl\u00fdv\u00e1.<\/li>\n<li>Rozbijete-li tedy n\u011bco v&nbsp;restauraci \u010di hotelu tady u n\u00e1s v&nbsp;\u010cR a jste poji\u0161t\u011bni, m\u016f\u017eete se tak\u00e9 obr\u00e1tit s&nbsp;pln\u011bn\u00edm na poji\u0161\u0165ovnu. D\u016fle\u017eit\u00e9 v\u017edy je, \u017ee k&nbsp;rozbit\u00ed nedo\u0161lo \u00famysln\u011b.<\/li>\n<\/ul>\n<p>\n    Zvolit si m\u016f\u017eete z n\u011bkolika variant, kter\u00e9 poji\u0161\u0165ovny nab\u00edzej\u00ed. Dnes, vzhledem k&nbsp;Nov\u00e9mu ob\u010dansk\u00e9mu z\u00e1kon\u00edku, se ji\u017e nedoporu\u010duje vyb\u00edrat nejni\u017e\u0161\u00ed limity pln\u011bn\u00ed, ale zvolit st\u0159edn\u00ed cestu. Obzvl\u00e1\u0161\u0165 p\u0159i \u00fajm\u011b na zdrav\u00ed se vy\u010d\u00edslen\u00ed \u0161kody oproti minulosti rapidn\u011b zv\u00fd\u0161ilo.\n<\/p>\n<p>\n    Pojistku na blbost si m\u016f\u017eete uzav\u0159\u00edt online jako i ostatn\u00ed poji\u0161t\u011bn\u00ed na na\u0161em webu. Vybrat si ji m\u016f\u017eete jak samostatn\u011b, tak jako dopln\u011bk k <a href=\"\/pojisteni-domacnosti\/\">poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/a> \u010di <a href=\"\/pojisteni-nemovitosti\/\">nemovitosti<\/a>.\n<\/p>\n<div class=\"text-center\"><\/div>\n<h2>Nej\u010dast\u011bji kladen\u00e9 ot\u00e1zky \u2013 FAQ<\/h2>\n<div class=\"accordion faq \" id=\"accon0\">\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-39627\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-8534\" aria-expanded=\"true\" aria-controls=\"item-8534\">\n            Jak uplatnit poji\u0161t\u011bn\u00ed odpov\u011bdnosti?\n            <\/button>\n        <\/h3>\n        <div id=\"item-8534\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-39627\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\n<p>V\u00a0p\u0159\u00edpad\u011b, \u017ee\u00a0dojde k\u00a0pojistn\u00e9 ud\u00e1losti, sd\u011blte po\u0161kozen\u00e9 osob\u011b, \u017ee\u00a0m\u00e1te poji\u0161t\u011bn\u00ed odpov\u011bdnosti. Po\u0161kozenou v\u011bc nafo\u0165te, nato\u010dte nebo uka\u017ete sv\u011bdkovi. D\u016fle\u017eit\u00e9 je, aby\u00a0byla do\u00a0t\u00e9 doby, dokud nen\u00ed \u0161koda zaznamen\u00e1na, v\u011bc ponech\u00e1na v\u00a0po\u0161kozen\u00e9m stavu. P\u0159edejte si s\u00a0po\u0161kozenou osobou identifika\u010dn\u00ed \u00fadaje, kontaktujte svou poji\u0161\u0165ovnu a\u00a0nahla\u0161te pojistnou ud\u00e1lost.<\/p>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-61072\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-17291\" aria-expanded=\"true\" aria-controls=\"item-17291\">\n            Jak funguje poji\u0161t\u011bn\u00ed odpov\u011bdnosti?\n            <\/button>\n        <\/h3>\n        <div id=\"item-17291\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-61072\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti kryje \u0161kody, kter\u00e9\u00a0zp\u016fsob\u00edte dal\u0161\u00ed osob\u011b Vy, \u010dlenov\u00e9 Va\u0161\u00ed rodiny nebo nap\u0159. V\u00e1\u0161 pes, p\u0159\u00edpadn\u011b na\u00a0\u0161kody, kter\u00e9\u00a0sv\u00e9mu zam\u011bstnavateli zp\u016fsob\u00edte p\u0159i\u00a0v\u00fdkonu povol\u00e1n\u00ed nebo p\u0159i\u00a0podnik\u00e1n\u00ed. Vztahuje se\u00a0na\u00a0\u0161kody zp\u016fsoben\u00e9 na\u00a0zdrav\u00ed, majetku, na\u00a0n\u00e1klady spojen\u00e9 s\u00a0pr\u00e1vn\u00ed ochranou a\u00a0u\u0161l\u00fd zisk.<\/p>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-82759\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-82117\" aria-expanded=\"true\" aria-controls=\"item-82117\">\n            Co je poji\u0161t\u011bn\u00ed odpov\u011bdnosti?\n            <\/button>\n        <\/h3>\n        <div id=\"item-82117\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-82759\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\n<p>Principem poji\u0161t\u011bn\u00ed odpov\u011bdnosti je\u00a0kr\u00fdt \u0161kody, kter\u00e9\u00a0zp\u016fsob\u00edte dal\u0161\u00ed osob\u011b, a\u0165 u\u017e v\u00a0b\u011b\u017en\u00e9m ob\u010dansk\u00e9m \u017eivot\u011b, p\u0159i\u00a0v\u00fdkonu povol\u00e1n\u00ed nebo nap\u0159. p\u0159i\u00a0podnik\u00e1n\u00ed.<\/p>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-68180\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-38354\" aria-expanded=\"true\" aria-controls=\"item-38354\">\n            Co kryje poji\u0161t\u011bn\u00ed odpov\u011bdnosti?\n            <\/button>\n        <\/h3>\n        <div id=\"item-38354\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-68180\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\n<p>Tzv. pojistka na\u00a0blbost kryje n\u00e1klady za\u00a0tyto \u0161kody:<\/p>\n<ul>\n<li>\u00fajma na\u00a0zdrav\u00ed<\/li>\n<li>\u00fajma na\u00a0majetku<\/li>\n<li>u\u0161l\u00fd zisk<\/li>\n<li>n\u00e1klady na\u00a0pr\u00e1vn\u00ed ochranu<\/li>\n<\/ul>\n<p>V\u00fd\u0161e sjednan\u00e9ho limitu pln\u011bn\u00ed se\u00a0li\u0161\u00ed podle zvolen\u00e9 poji\u0161\u0165ovny. Poji\u0161t\u011bn\u00ed se\u00a0vztahuje i\u00a0na\u00a0d\u011bti a\u00a0\u010dleny dom\u00e1cnosti poji\u0161t\u011bn\u00e9ho, ale tak\u00e9 na\u00a0dom\u00e1c\u00edho mazl\u00ed\u010dka, za\u00a0kter\u00e9ho nese poji\u0161t\u011bn\u00fd odpov\u011bdnost. Nej\u010dast\u011bji je\u00a0to\u00a0pes.<\/p>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-65246\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-43907\" aria-expanded=\"true\" aria-controls=\"item-43907\">\n            Na co se vztahuje poji\u0161t\u011bn\u00ed odpov\u011bdnosti?\n            <\/button>\n        <\/h3>\n        <div id=\"item-43907\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-65246\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti se\u00a0podle zam\u011b\u0159en\u00ed d\u011bl\u00ed na\u00a0n\u011bkolik typ\u016f, nej\u010dast\u011bji vyu\u017e\u00edvan\u00fdmi jsou tyto:<\/p>\n<ul>\n<li>poji\u0161t\u011bn\u00ed odpov\u011bdnosti za\u00a0\u0161kody zp\u016fsoben\u00e9 v\u00a0b\u011b\u017en\u00e9m ob\u010dansk\u00e9m \u017eivot\u011b, tzv. pojistka na\u00a0blbost<\/li>\n<li>poji\u0161t\u011bn\u00ed odpov\u011bdnosti za\u00a0\u0161kody zp\u016fsoben\u00e9 p\u0159i\u00a0v\u00fdkonu povol\u00e1n\u00ed<\/li>\n<li>poji\u0161t\u011bn\u00ed odpov\u011bdnosti z\u00a0podnik\u00e1n\u00ed<\/li>\n<li>poji\u0161t\u011bn\u00ed odpov\u011bdnosti z\u00a0vlastnictv\u00ed nemovitosti<\/li>\n<li>poji\u0161t\u011bn\u00ed odpov\u011bdnosti z\u00a0provozu vozidla (povinn\u00e9 ru\u010den\u00ed)<\/li>\n<\/ul>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-53911\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-96935\" aria-expanded=\"true\" aria-controls=\"item-96935\">\n            Vztahuje se pojistka na blbost na \u0161kodu zp\u016fsobenou \u010dlen\u016fm rodiny?\n            <\/button>\n        <\/h3>\n        <div id=\"item-96935\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-53911\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\n<p>Nikoliv, poji\u0161t\u011bn\u00ed odpov\u011bdnosti za\u00a0\u0161kody zp\u016fsoben\u00e9 v\u00a0b\u011b\u017en\u00e9m ob\u010dansk\u00e9m \u017eivot\u011b, tedy pojistka na\u00a0blbost, se\u00a0nevztahuje na\u00a0\u0161kody zp\u016fsoben\u00e9 \u010dlen\u016fm rodiny nebo bl\u00edzk\u00fdm osob\u00e1m poji\u0161t\u011bn\u00e9ho.<\/p>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-28214\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-48061\" aria-expanded=\"true\" aria-controls=\"item-48061\">\n            Plat\u00ed poji\u0161t\u011bn\u00ed odpov\u011bdnosti i v zahrani\u010d\u00ed?\n            <\/button>\n        <\/h3>\n        <div id=\"item-48061\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-28214\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\n<p>Pokud p\u0159i\u00a0sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed zvol\u00edte platnost pro\u00a0celou Evropu nebo sv\u011bt, tak\u00a0ano.<\/p>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-65955\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-60493\" aria-expanded=\"true\" aria-controls=\"item-60493\">\n            Plat\u00ed poji\u0161t\u011bn\u00ed odpov\u011bdnosti i pro zv\u00ed\u0159ata?\n            <\/button>\n        <\/h3>\n        <div id=\"item-60493\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-65955\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\n<p>Ano, poji\u0161t\u011bn\u00ed odpov\u011bdnosti za\u00a0\u0161kody zp\u016fsoben\u00e9 v\u00a0b\u011b\u017en\u00e9m ob\u010dansk\u00e9m \u017eivot\u011b (pojistka na\u00a0blbost) se\u00a0vztahuje tak\u00e9 na\u00a0\u0161kody zp\u016fsoben\u00e9 dom\u00e1c\u00edm mazl\u00ed\u010dkem, za\u00a0kter\u00e9ho nese poji\u0161t\u011bn\u00e1 osoba odpov\u011bdnost.<\/p>\n<\/div>\n        <\/div>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti, pojistka na blbost Poji\u0161t\u011bn\u00ed odpov\u011bdnosti je typ poji\u0161t\u011bn\u00ed vztahuj\u00edc\u00ed se na \u00fajmu na zdrav\u00ed nebo usmrcen\u00ed, \u0161kodu na majetku, u\u0161l\u00fd zisk a n\u00e1klady pr\u00e1vn\u00edho zastoupen\u00ed, kter\u00e9 poji\u0161t\u011bn\u00fd zp\u016fsobil p\u0159\u00edmo nebo nep\u0159\u00edmo jin\u00e9 osob\u011b. Poji\u0161t\u011bn\u00ed odpov\u011bdnosti je souhrnn\u00fd n\u00e1zev pro v\u00edce typu poji\u0161t\u011bn\u00ed a v\u011bt\u0161inou se jedn\u00e1 o dobrovoln\u00e9 poji\u0161t\u011bn\u00ed. Druhy poji\u0161t\u011bn\u00ed odpov\u011bdnosti: odpov\u011bdnost [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2882","page","type-page","status-publish","hentry"],"acf":{"page_post_meta_sidebar":"sidebar-maj","page_post_meta_bread":"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti   a pojistka na blbost","page_post_meta_bread_child":"","page_post_meta_script_head":"<script type=\"application\/ld+json\">\r\n    {\r\n        \"@context\": \"https:\/\/schema.org\/\",\r\n        \"@type\": \"Product\",\r\n        \"name\": \"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti\",\r\n        \"image\": \"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/og\/srovnator-logo-schema_org.png\",\r\n        \"description\": \"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti, neb tak\u00e9 pojistka na blbost je v dne\u0161n\u00ed d\u016fle\u017eit\u00fdm produktem v b\u011b\u017en\u00e9m \u017eivot\u011b, v\u00fdkonu povol\u00e1n\u00ed, nebo p\u0159i podnik\u00e1n\u00ed. 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