{"id":3838,"date":"2017-06-22T20:00:00","date_gmt":"2017-06-22T18:00:00","guid":{"rendered":"https:\/\/www.srovnator.cz\/clanky\/ostatni\/spoluucast-havarijniho-pojisteni\/"},"modified":"2025-10-21T13:50:49","modified_gmt":"2025-10-21T11:50:49","slug":"spoluucast-havarijniho-pojisteni","status":"publish","type":"post","link":"https:\/\/www.srovnator.cz\/clanky\/spoluucast-havarijniho-pojisteni\/","title":{"rendered":"Spolu\u00fa\u010dast havarijn\u00edho poji\u0161t\u011bn\u00ed"},"content":{"rendered":"

V\u00fdb\u011br vhodn\u00e9ho havarijn\u00edho poji\u0161t\u011bn\u00ed<\/a> m\u016f\u017ee b\u00fdt pro n\u011bkoho p\u011bkn\u011b tvrd\u00fdm o\u0159\u00ed\u0161kem. Poji\u0161\u0165ovny toti\u017e nab\u00edzej\u00ed nep\u0159ebern\u00e9 mno\u017estv\u00ed pojistn\u00fdch produkt\u016f s mo\u017enost\u00ed nejr\u016fzn\u011bj\u0161\u00edch rizik, pojistn\u00fdch limit\u016f, mimo\u0159\u00e1dn\u00fdch slu\u017eeb a tak\u00e9 spolu\u00fa\u010dast\u00ed. Pr\u00e1v\u011b volba v\u00fd\u0161e spolu\u00fa\u010dasti v\u00e1m m\u016f\u017ee hled\u00e1n\u00ed je\u0161t\u011b zt\u00ed\u017eit, av\u0161ak vyplat\u00ed se naj\u00edt tu pravou, kter\u00e1 v\u00e1m u\u0161et\u0159\u00ed pen\u00edze jak z hlediska ceny pojistky, tak v p\u0159\u00edpad\u011b n\u00e1hrady \u0161kody.<\/strong><\/p>\n\"Spolu\u00fa\u010dast\n

V\u00e1\u0161 pod\u00edl na zp\u016fsoben\u00e9 \u0161kod\u011b<\/h2>\n

Spolu\u00fa\u010dast je \u010d\u00e1stka, kterou v p\u0159\u00edpad\u011b \u0161kody zaplat\u00edte ze sv\u00e9ho, zbytek pokryje poji\u0161\u0165ovna. Plat\u00ed pravidlo, \u017ee \u010d\u00edm vy\u0161\u0161\u00ed spolu\u00fa\u010dast je, t\u00edm ni\u017e\u0161\u00ed b\u00fdv\u00e1 cena poji\u0161t\u011bn\u00ed. V\u00fd\u0161i spolu\u00fa\u010dasti si vol\u00edte sami p\u0159i sjedn\u00e1v\u00e1n\u00ed havarijn\u00edho poji\u0161t\u011bn\u00ed, a to podle nab\u00eddek jednotliv\u00fdch poji\u0161\u0165oven od 0 % do 30 %. Av\u0161ak hrani\u010dn\u00ed hodnoty neb\u00fdvaj\u00ed a\u017e tak \u010dast\u00e9. Nej\u010dast\u011bji se jedn\u00e1 o 3% , 5 % a 10 % spolu\u00fa\u010dast. Nejv\u00edce se \u0159idi\u010di poji\u0161\u0165uj\u00ed s 5 % spolu\u00fa\u010dast\u00ed. V takov\u00e9m p\u0159\u00edpad\u011b jde toti\u017e o nejvyv\u00e1\u017een\u011bj\u0161\u00ed pom\u011br cena\/v\u00fdkon.<\/p>\n

Jakou v\u00fd\u0161i spolu\u00fa\u010dasti zvolit?<\/h2>\n

Ru\u010di\u010dky vah jsou jednozna\u010dn\u00e9, vol\u00edte si mezi dra\u017e\u0161\u00edm havarijn\u00edm poji\u0161t\u011bn\u00edm, kdy s ni\u017e\u0161\u00ed spolu\u00fa\u010dast\u00ed v p\u0159\u00edpad\u011b \u0161kody nes\u00e1hnete do sv\u00e9 kapsy a\u017e tak hluboko a mezi levn\u011bj\u0161\u00ed variantou poji\u0161t\u011bn\u00ed, kdy s vy\u0161\u0161\u00edm procentem spolu\u00fa\u010dasti p\u0159ij\u00edm\u00e1te riziko, \u017ee p\u0159i \u0161kodn\u00ed ud\u00e1losti zaplat\u00edte vy\u0161\u0161\u00ed obnos pen\u011bz. P\u0159i sjedn\u00e1v\u00e1n\u00ed havarijn\u00edho poji\u0161t\u011bn\u00ed je tedy d\u016fle\u017eit\u00e9 spo\u010d\u00edtat si, do jak\u00e9 m\u00edry se v\u00e1m vyplat\u00ed do poji\u0161t\u011bn\u00ed investovat.<\/p>\n\n\t

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Spo\u010d\u00edtejte si rychle povinn\u00e9 ru\u010den\u00ed<\/a><\/h2>\n\t
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Povinn\u00e9 ru\u010den\u00ed m\u016f\u017eete
m\u00edt ji\u017e od:<\/p>\n\t

-<\/p>\n\t\n\t