{"id":4086,"date":"2018-01-23T22:00:00","date_gmt":"2018-01-23T21:00:00","guid":{"rendered":"https:\/\/www.srovnator.cz\/clanky\/ostatni\/co-zahrnuje-pojistka-na-blbost\/"},"modified":"2025-10-21T13:16:01","modified_gmt":"2025-10-21T11:16:01","slug":"co-zahrnuje-pojistka-na-blbost","status":"publish","type":"post","link":"https:\/\/www.srovnator.cz\/clanky\/co-zahrnuje-pojistka-na-blbost\/","title":{"rendered":"Co zahrnuje pojistka na blbost?"},"content":{"rendered":"<h2>Co zahrnuje pojistka na blbost?<\/h2>\n<p>V sou\u010dasnosti ji\u017e zcela b\u011b\u017en\u011b pou\u017e\u00edvan\u00fd term\u00edn \u201cPojistka na blbost\u201d zlidov\u011bl p\u0159enesen\u00edm v\u00fdznamu p\u016fvodn\u00edho ozna\u010den\u00ed pro poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kody. Vznik mo\u017enosti tohoto typu poji\u0161t\u011bn\u00ed v\u00edtaj\u00ed p\u0159edev\u0161\u00edm zam\u011bstnanci, respektive jejich zam\u011bstnavatel\u00e9 a rodiny s d\u011btmi, kter\u00e9 je t\u011b\u017ek\u00e9 uhl\u00eddat.<\/p>\n<h2>Typy poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/h2>\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti m\u00e1 chr\u00e1nit jednotlivce nebo cel\u00e9 rodiny v p\u0159\u00edpad\u011b zavin\u011bn\u00ed \u0161kody p\u0159i v\u00fdkonu <a href=\"\/pojistka-na-blbost-pojisteni-odpovednosti-zamestnance\/\">zam\u011bstn\u00e1n\u00ed<\/a> nebo v civiln\u00edm \u017eivot\u011b.<\/p>\n<img decoding=\"async\" width=\"645\" height=\"430\" src=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2022\/06\/a44a8495-24-1-2018-co-zahrnuje-pojistka-na-blbost.jpg\" class=\" wp-post-image wp-stateless-item\" alt=\"Co zahrnuje pojistka na blbost?\" title=\"Co zahrnuje pojistka na blbost?\" data-image-size=\"full\" data-stateless-media-bucket=\"wp-resources\" data-stateless-media-name=\"srovnator.cz\/ng\/2022\/06\/a44a8495-24-1-2018-co-zahrnuje-pojistka-na-blbost.jpg\" \/>\n<h3>1. Poji\u0161t\u011bn\u00ed ob\u010dansk\u00e9 odpov\u011bdnosti<\/h3>\n<p>Tento typ poji\u0161t\u011bn\u00ed kryje \u0161kody pojistitele a v\u0161ech \u010dlen\u016f dom\u00e1cnosti. Vztahuje se na \u0161kody zp\u016fsoben\u00e9 vlastn\u00ed \u010dinnost\u00ed, tak i na \u0161kody zp\u016fsoben\u00e9 provozem majetku, v\u010detn\u011b dom\u00e1c\u00edho mazl\u00ed\u010dka.<\/p>\n<p><strong>P\u0159\u00edklady:<\/strong><\/p>\n<ul>\n<li>vytopen\u00ed soused\u016f<\/li>\n<li>rozbit\u00e9 zbo\u017e\u00ed v obchod\u011b<\/li>\n<li>\u0161koda zp\u016fsoben\u00e1 psem (v\u010detn\u011b \u00fajmy na zdrav\u00ed)<\/li>\n<li>\u0161koda zp\u016fsoben\u00e1 t\u0159et\u00ed osob\u011b p\u0159i sportu<\/li>\n<li>vysklen\u00ed sousedova okna bal\u00f3nem<\/li>\n<\/ul>\n<h3>2. Poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance<\/h3>\n<p>Zam\u011bstnavatel m\u00e1 z\u00e1konn\u00e9 pr\u00e1vo vy\u017eadovat po zam\u011bstnanci n\u00e1hradu \u0161kody, zp\u016fsobenou jeho zavin\u011bn\u00edm a to ve v\u00fd\u0161i a\u017e 4,5 n\u00e1sobku jeho pr\u016fm\u011brn\u00e9 m\u011bs\u00ed\u010dn\u00ed mzdy. Pojistka v mnoh\u00fdch p\u0159\u00edpadech kryje nejen n\u00e1sledky majetkov\u00e9 \u0161kody nebo \u00fajmy na zdrav\u00ed, ale i pr\u00e1vn\u00ed zastoupen\u00ed.<\/p>\n<p><strong>P\u0159\u00edklady:<\/strong><\/p>\n<ul>\n<li>chyby p\u0159i zad\u00e1v\u00e1n\u00ed zak\u00e1zek vedouc\u00ed k velk\u00fdm finan\u010dn\u00edm ztr\u00e1t\u00e1m podniku<\/li>\n<li>po\u0161kozen\u00ed zbo\u017e\u00ed ve skladu<\/li>\n<li>hav\u00e1rie se slu\u017eebn\u00edm vozem (n\u00e1hrada spolu\u00fa\u010dasti zam\u011bstnavateli)<\/li>\n<li>rozbit\u00fd slu\u017eebn\u00ed notebook nebo mobiln\u00ed telefon<\/li>\n<li>ne\u00famysln\u00e9 poran\u011bn\u00ed kolegy<\/li>\n<\/ul>\n<h3>3. Poji\u0161t\u011bn\u00ed odpov\u011bdnosti podnikatele (Profesn\u00ed poji\u0161t\u011bn\u00ed)<\/h3>\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti podnikatele je poji\u0161t\u011bn\u00ed, kter\u00e9 kryje \u0161kody zp\u016fsoben\u00e9 v\u00fdkonem specifick\u00e9 profese. Toto poji\u0161t\u011bn\u00ed je pro jist\u00e9 profese dan\u00e9 z\u00e1konem a pro ostatn\u00ed je v z\u00e1vislosti na v\u00fd\u0161i rizika, kter\u00e9 m\u016f\u017ee vzniknout p\u0159i v\u00fdkonu povol\u00e1n\u00ed vy\u017eaduj\u00edc\u00edho ur\u010dit\u00e9 odborn\u00e9 znalosti, p\u0159inejmen\u0161\u00edm z\u00e1rukou klidn\u00e9ho span\u00ed.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/24-1-2018-co-zahrnuje-pojistka-na-blbost-2.jpg\" alt=\"Co zahrnuje pojistka na blbost?: Stanoven\u00ed diagn\u00f3zy\" title=\"Co zahrnuje pojistka na blbost?: Stanoven\u00ed diagn\u00f3zy\" width=\"100%\" \/><\/p>\n<p><strong>Pro koho je poji\u0161t\u011bn\u00ed povinn\u00e9:<\/strong><\/p>\n<ul>\n<li>L\u00e9ka\u0159i (nespr\u00e1vn\u00e9 stanoven\u00ed diagn\u00f3zy a n\u00e1sledkem toho zhor\u0161en\u00ed stavu pacienta)<\/li>\n<li>Advok\u00e1ti<\/li>\n<li>Not\u00e1\u0159i<\/li>\n<li>Architekti<\/li>\n<li>Audito\u0159i atd.<\/li>\n<\/ul>\n<p><strong>Pro koho je poji\u0161t\u011bn\u00ed vhodn\u00e9:<\/strong><\/p>\n<ul>\n<li>\u00da\u010detn\u00ed<\/li>\n<li>Tlumo\u010dn\u00edci<\/li>\n<li>Projektanti<\/li>\n<li>Soudn\u00ed znalci atd.<\/li>\n<\/ul>\n<h3>4. Poji\u0161t\u011bn\u00ed z vlastnictv\u00ed nemovitosti<\/h3>\n<p>Sjedn\u00e1v\u00e1 se spolu s poji\u0161t\u011bn\u00edm <a href=\"\/pojisteni-nemovitosti\/\">nemovitosti<\/a>, kter\u00e9 je v p\u0159\u00edpad\u011b zat\u00ed\u017een\u00ed hypot\u00e9kou povinn\u00e9, nebo samostatn\u011b.<\/p>\n<p><strong>P\u0159\u00edklady:<\/strong><\/p>\n<ul>\n<li>Sn\u00edh, led a krytina spadl\u00e1 ze st\u0159echy m\u016f\u017ee n\u011bkoho zranit nebo po\u0161kodit n\u011b\u010d\u00ed automobil<\/li>\n<li>V\u011btev upadl\u00e1 ze stromu m\u016f\u017ee soused\u016fm po\u0161kodit plot<\/li>\n<li>Na zanedban\u00e9m chodn\u00edku, kter\u00fd p\u0159\u00edslu\u0161\u00ed k dan\u00e9 nemovitosti, se n\u011bkdo m\u016f\u017ee zranit<\/li>\n<\/ul>\n<p>Podle pr\u016fzkumu \u010cesk\u00e9 asociace poji\u0161\u0165oven m\u00e1 poji\u0161t\u011bn\u00ed odpov\u011bdnosti sjedn\u00e1no jen n\u011bco m\u00e1lo p\u0159es t\u0159icet procent obyvatel a i p\u0159esto je ro\u010dn\u011b ohl\u00e1\u0161eno v\u00edce ne\u017e 35 tis\u00edc pojistn\u00fdch ud\u00e1lost\u00ed<\/p>\n<h2>Nej\u010dast\u011bj\u0161\u00ed \u0161kody:<\/h2>\n<ul>\n<li>vytopen\u00ed soused\u016f<\/li>\n<li>sr\u00e1\u017eka cyklist\u016f, ly\u017ea\u0159\u016f<\/li>\n<li>rozbit\u00e1 okna<\/li>\n<li>\u00fajmy na zdrav\u00ed zp\u016fsoben\u00e9 dom\u00e1c\u00edm mazl\u00ed\u010dkem<\/li>\n<li>po\u0161kozen\u00ed zbo\u017e\u00ed v obchodech, restaurac\u00edch atd.<\/li>\n<li>nehoda slu\u017eebn\u00edho automobilu<\/li>\n<li>z\u00e1m\u011bna paliva do slu\u017eebn\u00edho vozu\/<\/li>\n<\/ul>\n<iframe title=\"Video na YouTube\" width=\"100%\" height=\"361\" src=\"https:\/\/www.youtube.com\/embed\/cYmxeFEdlSY?rel=0&showinfo=0\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-link=\"https:\/\/www.youtube.com\/watch?v=cYmxeFEdlSY&rel=0&showinfo=0\"><\/iframe>\n<h2>V\u00fdluky poji\u0161t\u011bn\u00ed:<\/h2>\n<p>V\u00fdjimky, kter\u00e9 se nevztahuj\u00ed na pojistn\u00e9 kryt\u00ed, jsou uvedeny v ka\u017ed\u00e9 pojistn\u00e9 smlouv\u011b a li\u0161\u00ed se v z\u00e1vislosti na pojistn\u00fdch podm\u00ednk\u00e1ch ka\u017ed\u00e9 poji\u0161\u0165ovny. Obecn\u011b se ale jedn\u00e1 o n\u00e1sleduj\u00edc\u00ed:<\/p>\n<ul>\n<li>poji\u0161t\u011bn\u00ed nelze aplikovat na \u0161kodu zp\u016fsobenou v r\u00e1mci rodiny<\/li>\n<li>\u00famysln\u00e9 zavin\u011bn\u00ed<\/li>\n<li>\u00fazemn\u00ed platnost &#8211; omezen\u00ed platnosti poji\u0161t\u011bn\u00ed na \u010ceskou republiku<\/li>\n<li>\u0161kody vznikl\u00e9 pod vlivem alkoholu a drog<\/li>\n<\/ul>\n<p>Ka\u017ed\u00e1 poji\u0161\u0165ovna m\u00e1 sv\u00e9 vlastn\u00ed podm\u00ednky, kter\u00e9 si pojistn\u00edk mus\u00ed d\u016fkladn\u011b prostudovat v pojistn\u00e9 smlouv\u011b. <a href=\"\/pojistka-na-blbost-pojisteni-odpovednosti\/\">Poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/a> se ale finan\u010dn\u011b vyplat\u00ed, ro\u010dn\u00ed \u010d\u00e1stka za ochranu se pohybuje kolem 500 K\u010d.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti, tzv. pojistka na blbost je ochrana na\u0161ich rodinn\u00fdch financ\u00ed, alespo\u0148 do t\u00e9 doby, dokud n\u011bkomu necht\u011bn\u011b zp\u016fsob\u00edme \u0161kodu.<\/p>\n","protected":false},"author":6,"featured_media":4087,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5],"tags":[458,835,836,378,522,507,837],"class_list":["post-4086","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni-majetku","tag-pojisteni-odpovednosti","tag-pojistka","tag-pojistne-kryti","tag-pojistovna","tag-skoda","tag-ujma-na-zdravi","tag-zamestnani"],"acf":{"znacka":"","model":"","objem":"","vyrobeno":"","vykon":"","velikost_1":"","velikost_2":"","velikost_3":"","velikost_4":"","roky":"","roky_velikost_1":"","roky_velikost_2":"","roky_velikost_3":"","roky_velikost_4":"","pocet_kalkulaci":0,"page_post_meta_bread":"Co zahrnuje pojistka na blbost?","page_post_meta_bread_child":"","page_post_meta_script_head":"<script type=\"application\/ld+json\">\r\n{\r\n\t\"@context\": \"https:\/\/schema.org\",\r\n\t\"@type\": \"VideoObject\",\r\n\t\"name\": \"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kody aneb \\\"pojistka na blbost\\\"\",\r\n\t\"description\": \"V sou\u010dasnosti ji\u017e zcela b\u011b\u017en\u011b pou\u017e\u00edvan\u00fd term\u00edn \u201cPojistka na blbost\u201d zlidov\u011bl p\u0159enesen\u00edm v\u00fdznamu p\u016fvodn\u00edho ozna\u010den\u00ed pro poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kody. 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