{"id":8639,"date":"2023-04-28T09:15:36","date_gmt":"2023-04-28T07:15:36","guid":{"rendered":"https:\/\/www.srovnator.cz\/?p=8639"},"modified":"2024-06-24T07:54:11","modified_gmt":"2024-06-24T05:54:11","slug":"pojisteni-kola-kolobezky-a-jejich-elektrickych-variant","status":"publish","type":"post","link":"https:\/\/www.srovnator.cz\/clanky\/pojisteni-kola-kolobezky-a-jejich-elektrickych-variant\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed kola, kolob\u011b\u017eky a jejich elektrick\u00fdch variant"},"content":{"rendered":"<p><strong>P\u0159\u00edchod jara a\u00a0s\u00a0n\u00edm souvisej\u00edc\u00ed oteplen\u00ed znamen\u00e1 za\u010d\u00e1tek dal\u0161\u00ed cyklistick\u00e9 sez\u00f3ny. Silnice i\u00a0cyklostezky se\u00a0op\u011bt za\u010d\u00ednaj\u00ed plnit cyklisty a\u00a0vedle j\u00edzdn\u00edch kol jsou st\u00e1le \u010dast\u011bji k\u00a0vid\u011bn\u00ed elektrokola, kolob\u011b\u017eky a\u00a0elektrokolob\u011b\u017eky. I\u00a0tak\u00a0b\u011b\u017en\u00e1 \u010dinnost, jakou je\u00a0j\u00edzda na\u00a0kole \u010di\u00a0kolob\u011b\u017ece, s\u00a0sebou ov\u0161em nese ur\u010dit\u00e1 rizika. Specializovan\u00e9 poji\u0161t\u011bn\u00ed kola mysl\u00ed na\u00a0v\u0161echny nep\u0159edv\u00eddateln\u00e9 ud\u00e1losti, kter\u00e9\u00a0se\u00a0p\u0159i\u00a0provozu a\u00a0vlastnictv\u00ed kola mohou p\u0159ihodit.<\/strong><\/p>\n<p class=\"h2 mt-3\">Obsah \u010dl\u00e1nku<\/p>\n<ul>\n<li><a href=\"#toc-specializovane-cyklopojisteni\">Specializovan\u00e9 cyklopoji\u0161t\u011bn\u00ed<\/a><\/li>\n<li><a href=\"#toc-co-zahrnuje-pojisteni-kola?\">Co\u00a0zahrnuje poji\u0161t\u011bn\u00ed kola?<\/a><\/li>\n<li><a href=\"#toc-pojisteni-kola-proti-kradezi\">Poji\u0161t\u011bn\u00ed kola proti kr\u00e1de\u017ei<\/a><\/li>\n<li><a href=\"#toc-dalsi-pojistna-rizika\">Dal\u0161\u00ed pojistn\u00e1 rizika<\/a><\/li>\n<li><a href=\"#toc-pojisteni-kola--cena\">Poji\u0161t\u011bn\u00ed kola \u2013 cena<\/a><\/li>\n<\/ul>\n<h2 id=\"toc-specializovane-cyklopojisteni\" data-context=\"Specializovan\u00e9 cyklopoji\u0161t\u011bn\u00ed\">Specializovan\u00e9 cyklopoji\u0161t\u011bn\u00ed<\/h2>\n<p>Zat\u00edmco poji\u0161t\u011bn\u00ed auta je\u00a0pro\u00a0ka\u017ed\u00e9ho \u0159idi\u010de samoz\u0159ejmost\u00ed, poji\u0161t\u011bn\u00ed kola u\u017e tak\u00a0b\u011b\u017en\u00e9 nen\u00ed. Jakmile v\u0161ak usednete na\u00a0kolo, st\u00e1v\u00e1te se\u00a0tak\u00e9 \u00fa\u010dastn\u00edkem silni\u010dn\u00edho provozu a\u00a0mohou se\u00a0v\u00e1m p\u0159ihodit obdobn\u00e9 situace jako p\u0159i\u00a0\u0159\u00edzen\u00ed motorov\u00e9ho vozidla \u2013 m\u016f\u017eete po\u0161kodit ciz\u00ed majetek, zavinit dopravn\u00ed nehodu, srazit chodce nebo sv\u00e9 kolo p\u0159i\u00a0nehod\u011b zni\u010dit. Stejn\u011b tak\u00a0m\u016f\u017ee b\u00fdt kolo ukradeno, po\u0161kozeno p\u0159i\u00a0\u017eiveln\u00e9 pohrom\u011b nebo v\u00a0d\u016fsledku vandalismu. To\u00a0sam\u00e9 plat\u00ed i\u00a0pro\u00a0kolob\u011b\u017eky.<\/p>\n<img decoding=\"async\" width=\"770\" height=\"531\" src=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2023\/04\/pojisteni-kola-kolobezky-a-jejich-elektrickych-variant3.webp\" class=\" wp-post-image wp-stateless-item\" alt=\"Poji\u0161t\u011bn\u00ed kola, kolob\u011b\u017eky a jejich elektrick\u00fdch variant\" title=\"Poji\u0161t\u011bn\u00ed kola, kolob\u011b\u017eky a jejich elektrick\u00fdch variant\" data-image-size=\"full\" data-stateless-media-bucket=\"wp-resources\" data-stateless-media-name=\"srovnator.cz\/ng\/2023\/04\/pojisteni-kola-kolobezky-a-jejich-elektrickych-variant3.webp\" \/><div class=\"small mb-4 mt-2 text-center\">D\u00edky poji\u0161t\u011bn\u00ed kola si m\u016f\u017eete u\u017e\u00edt bezstarostnou j\u00edzdu<\/div>\n<p>Specializovan\u00e9 poji\u0161t\u011bn\u00ed kola bere v\u00a0\u00favahu v\u0161echna tato rizika a\u00a0nab\u00edz\u00ed cyklist\u016fm kompletn\u00ed ochranu. Lze jej sjednat nejen pro\u00a0klasick\u00e1 j\u00edzdn\u00ed kola, ale tak\u00e9 pro\u00a0elektrokola, kolob\u011b\u017eky, e-kolob\u011b\u017eky nebo cyklovoz\u00edky.<\/p>\n<h2 id=\"toc-co-zahrnuje-pojisteni-kola?\" data-context=\"Co\u00a0zahrnuje poji\u0161t\u011bn\u00ed kola?\">Co\u00a0zahrnuje poji\u0161t\u011bn\u00ed kola?<\/h2>\n<p>Poji\u0161t\u011bn\u00ed kola \/ poji\u0161t\u011bn\u00ed elektrokola i\u00a0poji\u0161t\u011bn\u00ed kolob\u011b\u017eky \/ elektrokolob\u011b\u017eky m\u016f\u017ee zahrnovat r\u016fzn\u00e1 rizika a\u00a0r\u016fzn\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed. Z\u00e1le\u017e\u00ed jen\u00a0na\u00a0v\u00e1s, kter\u00e1\u00a0si zvol\u00edte.<\/p>\n<h3>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti za\u00a0\u0161kodu zp\u016fsobenou provozem kola<\/h3>\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti slou\u017e\u00ed \u2013 obdobn\u011b jako povinn\u00e9 ru\u010den\u00ed \u2013 pro\u00a0p\u0159\u00edpady, kdy\u00a0<strong>p\u0159i\u00a0j\u00edzd\u011b na\u00a0kole ne\u00famysln\u011b po\u0161kod\u00edte ciz\u00ed majetek nebo zp\u016fsob\u00edte jin\u00e9 osob\u011b \u00fajmu na\u00a0zdrav\u00ed.<\/strong> Nehody zavin\u011bn\u00e9 cyklisty p\u0159itom nejsou ni\u010d\u00edm neobvykl\u00fdm. V\u00a0lo\u0148sk\u00e9m roce \u0161et\u0159ila Policie \u010cR 3\u00a0161 dopravn\u00edch nehod zavin\u011bn\u00fdch \u0159idi\u010dem nemotorov\u00e9ho vozidla. Tyto nehody si vy\u017e\u00e1daly 21 \u017eivot\u016f. Od\u0161kodn\u00e9 se\u00a0v\u00a0takov\u00fdch p\u0159\u00edpadech m\u016f\u017ee vy\u0161plhat a\u017e na\u00a0n\u011bkolik milion\u016f korun.<\/p>\n<p>\u0160kody zp\u016fsoben\u00e9 jin\u00fdm osob\u00e1m p\u0159i\u00a0j\u00edzd\u011b na\u00a0kole nebo kolob\u011b\u017ece lze uhradit ze:<\/p>\n<ul>\n<li>samostatn\u00e9ho poji\u0161t\u011bn\u00ed ob\u010dansk\u00e9 odpov\u011bdnosti (\u0161koda vznikl\u00e1 p\u0159i\u00a0provozov\u00e1n\u00ed rekrea\u010dn\u00edho sportu),<\/li>\n<li>poji\u0161t\u011bn\u00ed ob\u010dansk\u00e9 odpov\u011bdnosti sjednan\u00e9ho v\u00a0r\u00e1mci poji\u0161t\u011bn\u00ed dom\u00e1cnosti (obvykle se\u00a0vztahuje na\u00a0v\u0161echny \u010dleny dom\u00e1cnosti),<\/li>\n<li><a href=\"https:\/\/www.bikeplan.cz\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">specializovan\u00e9ho poji\u0161t\u011bn\u00ed pro\u00a0kola a\u00a0kolob\u011b\u017eky.<\/a><\/li>\n<\/ul>\n<p>Pro\u00a0majitele rychlej\u0161\u00edch elektrokolob\u011b\u017eek bude takov\u00e9 poji\u0161t\u011bn\u00ed kolob\u011b\u017eky od\u00a0roku 2024 podle rozhodnut\u00ed EU povinn\u00e9. Povinnost m\u00edt sjednan\u00e9 povinn\u00e9 ru\u010den\u00ed se\u00a0bude t\u00fdkat elektrokolob\u011b\u017eek a\u00a0jin\u00fdch voz\u00edtek (nap\u0159. segway), jejich\u017e rychlost je\u00a0vy\u0161\u0161\u00ed ne\u017e 25\u00a0km\/h, nebo 14\u00a0km\/h, pokud je\u00a0z\u00e1rove\u0148 hmotnost stroje v\u011bt\u0161\u00ed ne\u017e 25\u00a0kg. Pro\u00a0elektrokola tato povinnost zat\u00edm plo\u0161n\u011b platit nebude, n\u011bkter\u00e9 evropsk\u00e9 st\u00e1ty v\u0161ak povinn\u00e9 ru\u010den\u00ed pro\u00a0elektrokola z\u0159ejm\u011b p\u0159esto zavedou.<\/p>\n<h2 id=\"toc-pojisteni-kola-proti-kradezi\" data-context=\"Poji\u0161t\u011bn\u00ed kola proti kr\u00e1de\u017ei\">Poji\u0161t\u011bn\u00ed kola proti kr\u00e1de\u017ei<\/h2>\n<p>Kr\u00e1de\u017ee j\u00edzdn\u00edch kol jsou pom\u011brn\u011b b\u011b\u017en\u00e9 a\u00a0zlod\u011bji \u010d\u00edm d\u00e1l vynal\u00e9zav\u011bj\u0161\u00ed. \u010casto p\u0159ekonaj\u00ed i\u00a0d\u016fkladn\u00e9 zabezpe\u010den\u00ed kola. Jak ukazuje n\u00e1sleduj\u00edc\u00ed tabulka, v\u00a0lo\u0148sk\u00e9m roce Policie \u010cR evidovala celkem 4\u00a0820 kr\u00e1de\u017e\u00ed j\u00edzdn\u00edch kol. Toto \u010d\u00edslo je\u00a0ale ve\u00a0skute\u010dnosti je\u0161t\u011b vy\u0161\u0161\u00ed, proto\u017ee n\u011bkte\u0159\u00ed po\u0161kozen\u00ed kr\u00e1de\u017e ani nenahl\u00e1s\u00ed.<\/p>\n<div class=\"table-responsive\">\n<table class=\"table table-striped table-borderless text-center\">\n<tbody>\n<tr>\n<td colspan=\"5\"><strong>Kr\u00e1de\u017ee j\u00edzdn\u00edch kol registrovan\u00e9 Polici\u00ed \u010cR v\u00a0roce 2022<\/strong><\/td>\n<\/tr>\n<tr>\n<td>druh kr\u00e1de\u017ee<\/td>\n<td>po\u010det registrovan\u00fdch kr\u00e1de\u017e\u00ed<\/td>\n<td>z\u00a0toho po\u010det objasn\u011bn\u00fdch kr\u00e1de\u017e\u00ed*<\/td>\n<td>objasn\u011bnost<\/td>\n<td>\u0161koda celkem<\/td>\n<\/tr>\n<tr>\n<td>Kr\u00e1de\u017ee vloup\u00e1n\u00edm \u2013 odcizen\u00ed j\u00edzdn\u00edch kol (\u00a7 205, 207)<\/td>\n<td>2\u00a0489<\/td>\n<td>469<\/td>\n<td>18,8\u00a0%<\/td>\n<td>82,1\u00a0mil. K\u010d<\/td>\n<\/tr>\n<tr>\n<td>Kr\u00e1de\u017ee prost\u00e9 \u2013 j\u00edzdn\u00edch kol (\u00a7 205, 207)<\/td>\n<td>2\u00a0331<\/td>\n<td>741<\/td>\n<td>31,8\u00a0%<\/td>\n<td>62,2\u00a0mil. K\u010d<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><span class=\"small d-block mb-3 text-center\">* nezahrnuje dodate\u010dn\u011b objasn\u011bn\u00e9 kr\u00e1de\u017ee, ke\u00a0kter\u00fdm do\u0161lo v\u00a0p\u0159edchoz\u00edm roce<\/span><\/p>\n<p>Zlod\u011bji vyhled\u00e1van\u00e1 jsou klasick\u00e1 j\u00edzdn\u00ed kola i\u00a0elektrokola. Zejm\u00e9na v\u00a0p\u0159\u00edpad\u011b dra\u017e\u0161\u00edch kol by\u00a0poji\u0161t\u011bn\u00ed elektrokola nebo poji\u0161t\u011bn\u00ed kola proti kr\u00e1de\u017ei m\u011blo b\u00fdt samoz\u0159ejmost\u00ed.<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-8642\" src=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2023\/04\/pojisteni-kola-kolobezky-a-jejich-elektrickych-variant2.webp\" alt=\"Zlod\u011bje \u010dasto neodrad\u00ed ani d\u016fkladn\u00e9 zabezpe\u010den\u00ed kola\" width=\"770\" height=\"513\" \/><br \/>\n<span class=\"small d-block mb-3 text-center\">Zlod\u011bje \u010dasto neodrad\u00ed ani d\u016fkladn\u00e9 zabezpe\u010den\u00ed kola<\/span><\/p>\n<p>Na\u00a0kr\u00e1de\u017e kola se\u00a0obvykle vztahuje poji\u0161t\u011bn\u00ed dom\u00e1cnosti (v\u011bt\u0161inou ale jen\u00a0na\u00a0p\u0159\u00edpady, kdy\u00a0je\u00a0kolo ukradeno z\u00a0domu, bytu \u010di\u00a0jin\u00e9ho m\u00edsta poji\u0161t\u011bn\u00ed), p\u0159\u00edpadn\u011b poji\u0161t\u011bn\u00ed kola sjednan\u00e9 jako p\u0159ipoji\u0161t\u011bn\u00ed k\u00a0poji\u0161t\u011bn\u00ed dom\u00e1cnosti. Pokud v\u0161ak po\u017eadujete co\u00a0nej\u0161ir\u0161\u00ed pojistnou ochranu, je\u00a0jednozna\u010dn\u011b v\u00fdhodn\u011bj\u0161\u00ed <a href=\"https:\/\/www.bikeplan.cz\/spocitat-pojisteni\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">sjednat pro\u00a0kolo, elektrokolo \u010di\u00a0kolob\u011b\u017eku samostatn\u00e9 poji\u0161t\u011bn\u00ed<\/a>, kter\u00e9\u00a0v\u00e1s ochr\u00e1n\u00ed i\u00a0v\u00a0situac\u00edch, kdy\u00a0v\u00e1m kolo ukradnou:<\/p>\n<ul>\n<li>z\u00a0jin\u00e9ho objektu,<\/li>\n<li>z\u00a0voln\u00e9ho prostranstv\u00ed,<\/li>\n<li>z\u00a0vozidla,<\/li>\n<li>z\u00a0nosi\u010de,<\/li>\n<li>p\u0159i\u00a0loupe\u017en\u00e9m p\u0159epaden\u00ed.<\/li>\n<\/ul>\n<h2 id=\"toc-dalsi-pojistna-rizika\" data-context=\"Dal\u0161\u00ed pojistn\u00e1 rizika\">Dal\u0161\u00ed pojistn\u00e1 rizika<\/h2>\n<p>Sou\u010d\u00e1st\u00ed specializovan\u00e9ho cyklopoji\u0161t\u011bn\u00ed je\u00a0&#8211; vedle poji\u0161t\u011bn\u00ed kola proti kr\u00e1de\u017ei a\u00a0poji\u0161t\u011bn\u00ed odpov\u011bdnosti z\u00a0jeho provozu \u2013 tak\u00e9 ochrana samotn\u00e9ho kola pro\u00a0p\u0159\u00edpad jeho po\u0161kozen\u00ed. Podle hodnoty kola se\u00a0toti\u017e cena jeho opravy m\u016f\u017ee vy\u0161plhat na\u00a0tis\u00edce a\u017e desetitis\u00edce. Pojistit lze riziko po\u0161kozen\u00ed nebo zni\u010den\u00ed kola \u010di\u00a0kolob\u011b\u017eky:<\/p>\n<ul>\n<li>p\u0159i\u00a0j\u00edzd\u011b p\u00e1dem,<\/li>\n<li>p\u0159i\u00a0st\u0159etu nebo nehod\u011b,<\/li>\n<li>p\u0159i\u00a0p\u0159eprav\u011b,<\/li>\n<li>v\u00a0d\u016fsledku \u017eiveln\u00e9 pohromy \/ katastrofy,<\/li>\n<li>v\u00a0d\u016fsledku vandalismu.<\/li>\n<\/ul>\n<p>P\u0159ipojistit si nav\u00edc m\u016f\u017eete i\u00a0po\u0161kozen\u00ed p\u0159\u00edslu\u0161enstv\u00ed nebo osobn\u00edch v\u011bc\u00ed, stejn\u011b jako nap\u0159\u00edklad \u00fa\u010dast na\u00a0z\u00e1vodech (amat\u00e9rsk\u00fdch \u010di\u00a0profesion\u00e1ln\u00edch) nebo j\u00edzdu po\u00a0zvl\u00e1\u0161tn\u00edch stezk\u00e1ch (singltreky, singltraily, bikeparky apod.).<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-8641\" src=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2023\/04\/pojisteni-kola-kolobezky-a-jejich-elektrickych-variant.webp\" alt=\"Cyklopoji\u0161t\u011bn\u00ed lze vyu\u017e\u00edt i pro poji\u0161t\u011bn\u00ed kolob\u011b\u017eky\" width=\"770\" height=\"511\" \/><br \/>\n<span class=\"small d-block mb-3 text-center\">Cyklopoji\u0161t\u011bn\u00ed lze vyu\u017e\u00edt i\u00a0pro\u00a0poji\u0161t\u011bn\u00ed kolob\u011b\u017eky<\/span><\/p>\n<h2 id=\"toc-pojisteni-kola--cena\" data-context=\"Poji\u0161t\u011bn\u00ed kola \u2013 cena\">Poji\u0161t\u011bn\u00ed kola \u2013 cena<\/h2>\n<p>Pro\u00a0mnoh\u00e9 cyklisty je\u00a0rozhoduj\u00edc\u00edm faktorem u\u00a0poji\u0161t\u011bn\u00ed kola cena. Stejn\u011b jako u\u00a0jin\u00fdch poji\u0161t\u011bn\u00ed, i\u00a0v\u00a0p\u0159\u00edpad\u011b poji\u0161t\u011bn\u00ed kola cena z\u00e1vis\u00ed na\u00a0r\u016fzn\u00fdch parametrech. Pro\u00a0p\u0159edstavu, na\u00a0kolik korun cyklopoji\u0161t\u011bn\u00ed vyjde, n\u00ed\u017ee uv\u00e1d\u00edme 3\u00a0modelov\u00e9 p\u0159\u00edklady. Pro\u00a0v\u00fdpo\u010det ceny poji\u0161t\u011bn\u00ed byla vyu\u017eita online kalkula\u010dka specializovan\u00e9ho <a href=\"https:\/\/www.bikeplan.cz\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">poji\u0161t\u011bn\u00ed kola BikePlan.<\/a><\/p>\n<div class=\"table-responsive\">\n<table class=\"table table-striped table-borderless text-center\">\n<tbody>\n<tr>\n<td><\/td>\n<td>poji\u0161t\u011bn\u00ed kola\u00a0<\/td>\n<td>poji\u0161t\u011bn\u00ed kola<\/td>\n<td>poji\u0161t\u011bn\u00ed elektrokola<\/td>\n<\/tr>\n<tr>\n<td>pojistn\u00e1 \u010d\u00e1stka<\/td>\n<td>45 000 K\u010d<\/td>\n<td>80 000 K\u010d<\/td>\n<td>30 000 K\u010d<\/td>\n<\/tr>\n<tr>\n<td>druh kola<\/td>\n<td>silni\u010dn\u00ed<\/td>\n<td>horsk\u00e9<\/td>\n<td>m\u011bstsk\u00e9<\/td>\n<\/tr>\n<tr>\n<td>st\u00e1\u0159\u00ed kola<\/td>\n<td>3 &#8211; 5 let<\/td>\n<td>do 3 m\u011bs\u00edc\u016f<\/td>\n<td>1 &#8211; 2 roky<\/td>\n<\/tr>\n<tr>\n<td>ro\u010dn\u00ed n\u00e1jezd<\/td>\n<td>do 3 000 km<\/td>\n<td>do 2 000 km<\/td>\n<td>do 2 000 km<\/td>\n<\/tr>\n<tr>\n<td>zp\u016fsob u\u017e\u00edv\u00e1n\u00ed<\/td>\n<td>standardn\u00ed (rekrea\u010dn\u00ed)<\/td>\n<td>standardn\u00ed (rekrea\u010dn\u00ed)<\/td>\n<td>standardn\u00ed (rekrea\u010dn\u00ed)<\/td>\n<\/tr>\n<tr>\n<td>zabezpe\u010den\u00ed kola<\/td>\n<td>z\u00e1mek<\/td>\n<td>GPS<\/td>\n<td>alarm<\/td>\n<\/tr>\n<tr>\n<td>v\u00fd\u0161e spolu\u00fa\u010dasti\u00a0<\/td>\n<td>10 %<\/td>\n<td>15 %<\/td>\n<td>10 %<\/td>\n<\/tr>\n<tr>\n<td>poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/td>\n<td>ano, limit 5 mil. K\u010d<\/td>\n<td>ne<\/td>\n<td>ano, limit 3 mil. K\u010d<\/td>\n<\/tr>\n<tr>\n<td><b>cena poji\u0161t\u011bn\u00ed \/ rok<\/b><\/td>\n<td><b>3 740 K\u010d<\/b><\/td>\n<td><b>3 743 K\u010d<\/b><\/td>\n<td><b>2 442 K\u010d<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Poji\u0161t\u011bn\u00ed BikePlan lze sjednat nejen pro\u00a0kolo a\u00a0elektrokolo, ale tak\u00e9 pro\u00a0kolob\u011b\u017eku, e-kolob\u011b\u017eku nebo cyklovoz\u00edk. Krom\u011b toho, \u017ee\u00a0si toto poji\u0161t\u011bn\u00ed m\u016f\u017eete sjednat kompletn\u011b online, m\u00e1 i\u00a0dal\u0161\u00ed v\u00fdhody:<\/p>\n<ul>\n<li>Sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed netrv\u00e1 d\u00e9le ne\u017e 5-10\u00a0minut.<\/li>\n<li>Kolo \/ kolob\u011b\u017eku lze pojistit kdykoliv od\u00a0doby jeho \/ jej\u00edho po\u0159\u00edzen\u00ed.<\/li>\n<li>Fyzick\u00e1 inspekce kola \/ kolob\u011b\u017eky v\u00a0servisu nen\u00ed nutn\u00e1 \u2013 po\u00a0uzav\u0159en\u00ed poji\u0161t\u011bn\u00ed sta\u010d\u00ed p\u0159edm\u011bt do\u00a014\u00a0dn\u016f dle instrukc\u00ed nafotit a\u00a0fotky nahr\u00e1t do\u00a0Klientsk\u00e9 sekce.<\/li>\n<li>Poji\u0161t\u011bn\u00ed lze vyu\u017e\u00edt i\u00a0jako poji\u0161t\u011bn\u00ed kola do\u00a0zahrani\u010d\u00ed, proto\u017ee plat\u00ed v\u00a0r\u00e1mci geografick\u00e9 Evropy.<\/li>\n<\/ul>\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-55429\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-98445\" aria-expanded=\"true\" aria-controls=\"item-98445\">\n            Jak pojistit kolo?\n            <\/button>\n        <\/h3>\n        <div id=\"item-98445\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-55429\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\nSjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed kola (nebo kolob\u011b\u017eky) je\u00a0velmi jednoduch\u00e9 a\u00a0v\u00a0mnoh\u00e9m se\u00a0podob\u00e1 poji\u0161t\u011bn\u00ed auta. Kolo lze pojistit pro\u00a0p\u0159\u00edpad, \u017ee\u00a0p\u0159i\u00a0j\u00edzd\u011b zp\u016fsob\u00edte \u0161kodu, \u017ee\u00a0v\u00e1m bude odcizeno nebo \u017ee\u00a0ho po\u0161kod\u00edte p\u0159i\u00a0p\u00e1du, p\u0159eprav\u011b apod. Nejjednodu\u0161\u0161\u00edm zp\u016fsobem, jak kolo pojistit, je\u00a0<a href=\"https:\/\/www.bikeplan.cz\/spocitat-pojisteni\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">sjednat specializovan\u00e9 poji\u0161t\u011bn\u00ed kola online<\/a>.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-84264\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-55159\" aria-expanded=\"true\" aria-controls=\"item-55159\">\n            Na co se vztahuje poji\u0161t\u011bn\u00ed kola?\n            <\/button>\n        <\/h3>\n        <div id=\"item-55159\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-84264\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\n<p>Poji\u0161t\u011bn\u00ed kola sjednan\u00e9 v\u00a0r\u00e1mci poji\u0161t\u011bn\u00ed dom\u00e1cnosti se\u00a0obvykle vztahuje jen\u00a0na\u00a0ur\u010dit\u00e9 p\u0159\u00edpady \u2013 dle pojistn\u00fdch podm\u00ednek konkr\u00e9tn\u00ed poji\u0161\u0165ovny. Mnohem \u0161ir\u0161\u00ed pojistn\u00e9 kryt\u00ed nab\u00edz\u00ed specializovan\u00e9 cyklopoji\u0161t\u011bn\u00ed, kter\u00e9\u00a0zahrnuje mimo jin\u00e9:<\/p>\n<ul>\n<li>poji\u0161t\u011bn\u00ed proti kr\u00e1de\u017ei z\u00a0objektu \/ z\u00a0voln\u00e9ho prostranstv\u00ed \/ z\u00a0vozidla \/ z\u00a0nosi\u010de,<\/li>\n<li>po\u0161kozen\u00ed \/ zni\u010den\u00ed kola p\u0159i\u00a0p\u0159eprav\u011b \/ st\u0159etu \/ p\u00e1du \/ \u017eiveln\u00e9 pohrom\u011b,<\/li>\n<li>poji\u0161t\u011bn\u00ed odpov\u011bdnosti za\u00a0\u0161kody zp\u016fsoben\u00e9 j\u00edzdou na\u00a0kole.<\/li>\n<\/ul>\n<p>Specializovan\u00e9 poji\u0161t\u011bn\u00ed kola (p\u0159\u00edpadn\u011b elektrokola, kolob\u011b\u017eky, e-kolob\u011b\u017eky) m\u016f\u017eete v\u010detn\u011b dal\u0161\u00edch voliteln\u00fdch p\u0159ipoji\u0161t\u011bn\u00ed <a href=\"https:\/\/www.bikeplan.cz\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">sjednat online zde<\/a>.<\/p>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-93327\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-86495\" aria-expanded=\"true\" aria-controls=\"item-86495\">\n            Mus\u00ed m\u00edt elektrokolo poji\u0161t\u011bn\u00ed?\n            <\/button>\n        <\/h3>\n        <div id=\"item-86495\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-93327\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\n<p>Poji\u0161t\u011bn\u00ed elektrokola nen\u00ed v\u00a0\u010cesku povinn\u00e9. Od\u00a0roku 2024 bude v\u00a0r\u00e1mci EU povinn\u00e9 pouze poji\u0161t\u011bn\u00ed rychlej\u0161\u00edch elektrokolob\u011b\u017eek a\u00a0n\u011bkter\u00fdch dal\u0161\u00edch voz\u00edtek (typicky segway). Povinnost poji\u0161t\u011bn\u00ed se\u00a0bude t\u00fdkat stroj\u016f, jejich\u017e rychlost je\u00a0vy\u0161\u0161\u00ed ne\u017e 25\u00a0km\/h, nebo 14\u00a0km\/h, pokud je\u00a0z\u00e1rove\u0148 hmotnost stroje v\u011bt\u0161\u00ed ne\u017e 25\u00a0kg. N\u011bkter\u00e9 evropsk\u00e9 st\u00e1ty z\u0159ejm\u011b zavedou povinn\u00e9 ru\u010den\u00ed i\u00a0pro\u00a0elektrokola.<\/p>\n<\/div>\n        <\/div>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Poji\u0161t\u011bn\u00ed kola nebo elektrokola je &#8211; na rozd\u00edl od poji\u0161t\u011bn\u00ed auta &#8211; dobrovoln\u00e9. Jak\u00e1 rizika kryje a pro\u010d se vyplat\u00ed ho m\u00edt sjednan\u00e9?<\/p>\n","protected":false},"author":7,"featured_media":8640,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[547,1009,543,512,620],"class_list":["post-8639","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ostatni","tag-cyklistika","tag-kolo","tag-nehoda","tag-pojisteni","tag-riziko"],"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":"","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\": \"FAQPage\",\r\n        \"mainEntity\": [{\r\n            \"@type\": \"Question\",\r\n            \"name\": \"Jak pojistit kolo?\",\r\n            \"acceptedAnswer\": {\r\n                \"@type\": \"Answer\",\r\n                \"text\": \"Sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed kola (nebo kolob\u011b\u017eky) je\u00a0velmi jednoduch\u00e9 a\u00a0v\u00a0mnoh\u00e9m se\u00a0podob\u00e1 poji\u0161t\u011bn\u00ed auta. Kolo lze pojistit pro\u00a0p\u0159\u00edpad, \u017ee\u00a0p\u0159i\u00a0j\u00edzd\u011b zp\u016fsob\u00edte \u0161kodu, \u017ee\u00a0v\u00e1m bude odcizeno nebo \u017ee\u00a0ho po\u0161kod\u00edte p\u0159i\u00a0p\u00e1du, p\u0159eprav\u011b apod. Nejjednodu\u0161\u0161\u00edm zp\u016fsobem, jak kolo pojistit, je\u00a0<a href='https:\/\/www.bikeplan.cz\/spocitat-pojisteni' target='_blank' rel='noopener noreferrer nofollow'>sjednat specializovan\u00e9 poji\u0161t\u011bn\u00ed kola online<\/a>.\"\r\n                }\r\n            }, {\r\n            \"@type\": \"Question\",\r\n            \"name\": \"Na\u00a0co\u00a0se\u00a0vztahuje poji\u0161t\u011bn\u00ed kola?\",\r\n            \"acceptedAnswer\": {\r\n                \"@type\": \"Answer\",\r\n                \"text\": \"<p>Poji\u0161t\u011bn\u00ed kola sjednan\u00e9 v\u00a0r\u00e1mci poji\u0161t\u011bn\u00ed dom\u00e1cnosti se\u00a0obvykle vztahuje jen\u00a0na\u00a0ur\u010dit\u00e9 p\u0159\u00edpady \u2013 dle pojistn\u00fdch podm\u00ednek konkr\u00e9tn\u00ed poji\u0161\u0165ovny. Mnohem \u0161ir\u0161\u00ed pojistn\u00e9 kryt\u00ed nab\u00edz\u00ed specializovan\u00e9 cyklopoji\u0161t\u011bn\u00ed, kter\u00e9\u00a0zahrnuje mimo jin\u00e9:<\/p> <ul> <li>poji\u0161t\u011bn\u00ed proti kr\u00e1de\u017ei z\u00a0objektu \/ z\u00a0voln\u00e9ho prostranstv\u00ed \/ z\u00a0vozidla \/ z\u00a0nosi\u010de,<\/li> <li>po\u0161kozen\u00ed \/ zni\u010den\u00ed kola p\u0159i\u00a0p\u0159eprav\u011b \/ st\u0159etu \/ p\u00e1du \/ \u017eiveln\u00e9 pohrom\u011b,<\/li> <li>poji\u0161t\u011bn\u00ed odpov\u011bdnosti za\u00a0\u0161kody zp\u016fsoben\u00e9 j\u00edzdou na\u00a0kole.<\/li> <\/ul> <p>Specializovan\u00e9 poji\u0161t\u011bn\u00ed kola (p\u0159\u00edpadn\u011b elektrokola, kolob\u011b\u017eky, e-kolob\u011b\u017eky) m\u016f\u017eete v\u010detn\u011b dal\u0161\u00edch voliteln\u00fdch p\u0159ipoji\u0161t\u011bn\u00ed <a target='_blank' rel='noopener noreferrer nofollow' href='https:\/\/www.bikeplan.cz\/'>sjednat online zde<\/a>.<\/p>\"\r\n                }\r\n            }, {\r\n            \"@type\": \"Question\",\r\n            \"name\": \"Mus\u00ed m\u00edt elektrokolo poji\u0161t\u011bn\u00ed?\",\r\n            \"acceptedAnswer\": {\r\n                \"@type\": \"Answer\",\r\n                \"text\": \"<p>Poji\u0161t\u011bn\u00ed elektrokola nen\u00ed v\u00a0\u010cesku povinn\u00e9. Od\u00a0roku 2024 bude v\u00a0r\u00e1mci EU povinn\u00e9 pouze poji\u0161t\u011bn\u00ed rychlej\u0161\u00edch elektrokolob\u011b\u017eek a\u00a0n\u011bkter\u00fdch dal\u0161\u00edch voz\u00edtek (typicky segway). Povinnost poji\u0161t\u011bn\u00ed se\u00a0bude t\u00fdkat stroj\u016f, jejich\u017e rychlost je\u00a0vy\u0161\u0161\u00ed ne\u017e 25\u00a0km\/h, nebo 14\u00a0km\/h, pokud je\u00a0z\u00e1rove\u0148 hmotnost stroje v\u011bt\u0161\u00ed ne\u017e 25\u00a0kg. 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