{"id":11374,"date":"2026-08-05T13:12:41","date_gmt":"2026-08-05T11:12:41","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=11374"},"modified":"2026-08-05T13:12:43","modified_gmt":"2026-08-05T11:12:43","slug":"poistenie-bicykla-kedy-sa-oplati-a-co-vsetko-moze-kryt","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/poistenie-bicykla-kedy-sa-oplati-a-co-vsetko-moze-kryt\/","title":{"rendered":"Poistenie bicykla: Kedy sa oplat\u00ed a \u010do v\u0161etko m\u00f4\u017ee kry\u0165?"},"content":{"rendered":"\n<p><strong>Cyklodovolenky, v\u00edkendov\u00e9 v\u00fdjazdy \u010di krat\u0161ie cyklov\u00fdlety si medzi Slov\u00e1kmi z\u00edskavaj\u00fa \u010doraz v\u00e4\u010d\u0161iu ob\u013eubu. Ak aj vy patr\u00edte medzi nad\u0161en\u00fdch cyklistov, mo\u017eno ste do svojho bicykla alebo elektrobicykla investovali stovky a\u017e tis\u00edce eur. Pri v\u00fdbere v\u00fdbavy \u010dasto rie\u0161ite kvalitu, pohodlie aj bezpe\u010dnos\u0165 po\u010das jazdy, no na ochranu svojej invest\u00edcie sa niekedy zab\u00fada.\u00a0Poistenie bicykla v\u00e1s ochr\u00e1ni v pr\u00edpade kr\u00e1de\u017ee, po\u0161kodenia a aj pri \u010fal\u0161\u00edch ne\u010dakan\u00fdch udalostiach.<\/strong><\/p>\n\n\n\n<p>Nepr\u00edjemn\u00e9 prekvapenie m\u00f4\u017ee pr\u00eds\u0165 vo chv\u00edli, ke\u010f d\u00f4jde ku kr\u00e1de\u017ei, po\u0161kodeniu alebo inej \u0161kode. Ako sa chr\u00e1ni\u0165? Porad\u00edme v\u00e1m, na \u010do myslie\u0165 pri poisten\u00ed bicykla a ako si nastavi\u0165 ochranu, aby zodpovedala jeho hodnote.&nbsp;<\/p>\n\n\n\n<h2>\u010co kryje poistenie bicykla?<\/h2>\n\n\n\n<p>Poistenie bicykla m\u00f4\u017ee v z\u00e1vislosti od konkr\u00e9tnej pois\u0165ovne a zvolen\u00e9ho rozsahu krytia chr\u00e1ni\u0165 v\u00e1\u0161 bicykel napr\u00edklad pred kr\u00e1de\u017eou, po\u0161koden\u00edm v d\u00f4sledku \u017eiveln\u00fdch udalost\u00ed, vandalizmom \u010di \u0161kodami sp\u00f4soben\u00fdmi pri dopravnej nehode.<\/p>\n\n\n\n<p>Pri elektrobicykloch niektor\u00e9 pois\u0165ovne pon\u00fakaj\u00fa aj krytie technick\u00fdch por\u00fach, probl\u00e9mov s bat\u00e9riou alebo asisten\u010dn\u00e9 slu\u017eby. Tie m\u00f4\u017eu pom\u00f4c\u0165 napr\u00edklad v situ\u00e1cii, ke\u010f po\u010das jazdy d\u00f4jde k poruche a bicykel nie je mo\u017en\u00e9 \u010falej pou\u017e\u00edva\u0165.<\/p>\n\n\n\n<p>Pri v\u00fdbere poistenia v\u0161ak nie je d\u00f4le\u017eit\u00fd iba rozsah krytia. V\u0161\u00edmajte si aj v\u00fd\u0161ku poistn\u00fdch limitov, \u00fazemn\u00fa platnos\u0165 poistenia a podmienky, ktor\u00e9 mus\u00edte splni\u0165 pri vzniku \u0161kody.<\/p>\n\n\n\n<h2>Drah\u0161ie bicykle si zasl\u00fa\u017eia individu\u00e1lnu ochranu<\/h2>\n\n\n\n<p>Mnoh\u00ed cyklisti sa domnievaj\u00fa, \u017ee bicykel je automaticky dostato\u010dne chr\u00e1nen\u00fd v r\u00e1mci poistenia dom\u00e1cnosti. V skuto\u010dnosti v\u0161ak b\u00fdva poistn\u00e9 plnenie obmedzen\u00e9 nastaven\u00fdmi limitmi, ktor\u00e9 pri drah\u0161\u00edch bicykloch nemusia posta\u010dova\u0165.&nbsp;<\/p>\n\n\n\n<p>Ak m\u00e1 v\u00e1\u0161 bicykel alebo elektrobicykel hodnotu nieko\u013ek\u00fdch tis\u00edc eur, oplat\u00ed sa zv\u00e1\u017ei\u0165 individu\u00e1lne poistenie nastaven\u00e9 pod\u013ea jeho re\u00e1lnej hodnoty.<\/p>\n\n\n\n<ul>\n<li>Pri samostatnom poisten\u00ed bicykla je potrebn\u00e9 uvies\u0165 jeho z\u00e1kladn\u00e9 \u00fadaje, ako je zna\u010dka, model a v niektor\u00fdch pr\u00edpadoch aj v\u00fdrobn\u00e9 \u010d\u00edslo.&nbsp;<\/li>\n\n\n\n<li>Pre pr\u00edpad poistnej udalosti je vhodn\u00e9 uschova\u0165 aj doklad o k\u00fape.<\/li>\n\n\n\n<li>Cena individu\u00e1lneho poistenia sa zvy\u010dajne pohybuje v desiatkach eur ro\u010dne a z\u00e1vis\u00ed najm\u00e4 od hodnoty bicykla a rozsahu zvolen\u00e9ho krytia.<\/li>\n\n\n\n<li>Tak\u00e9to poistenie m\u00f4\u017ee by\u0165 rie\u0161en\u00edm aj pri bicykloch v hodnote nieko\u013ek\u00fdch tis\u00edc eur.<\/li>\n<\/ul>\n\n\n\n<p><strong><em><a href=\"https:\/\/www.fingo.sk\/blog\/poistenie-elektromobilu-najvacsie-rizika-a-na-co-si-dat-pozor\/\">Nielen elektrobicykle, ale aj elektromobily si zasl\u00fa\u017eia \u0161peci\u00e1lnu ochranu. Ako na to?<\/a><\/em><\/strong><\/p>\n\n\n\n<h2>Kr\u00e1de\u017e zost\u00e1va naj\u010dastej\u0161\u00edm rizikom<\/h2>\n\n\n\n<p>Naj\u010dastej\u0161ou poistnou udalos\u0165ou pri bicykloch je ich odcudzenie. Aby pois\u0165ov\u0148a \u0161kodu uznala, mus\u00ed by\u0165 spravidla preuk\u00e1zan\u00e9 prekonanie zabezpe\u010denia \u2013 napr\u00edklad kvalitn\u00e9ho z\u00e1mku alebo uzamknut\u00e9ho priestoru. Udalos\u0165 mus\u00ed by\u0165 z\u00e1rove\u0148 zdokumentovan\u00e1 pol\u00edciou.<\/p>\n\n\n\n<p>Pri likvid\u00e1cii \u0161kody z\u00e1vis\u00ed v\u00fd\u0161ka poistn\u00e9ho plnenia od konkr\u00e9tnych podmienok pois\u0165ovne aj od sp\u00f4sobu rie\u0161enia \u0161kody. Ak sa po\u0161koden\u00fd bicykel d\u00e1 opravi\u0165, pois\u0165ovne naj\u010dastej\u0161ie uhr\u00e1dzaj\u00fa n\u00e1klady na opravu. V pr\u00edpade, \u017ee bicykel nie je mo\u017en\u00e9 opravi\u0165 alebo d\u00f4jde k jeho odcudzeniu, poistn\u00e9 plnenie sa spravidla ur\u010duje pod\u013ea jeho \u010dasovej hodnoty, ktor\u00e1 zoh\u013ead\u0148uje opotrebenie.<\/p>\n\n\n\n<h2>Nezab\u00fadajte ani na poistenie zodpovednosti<\/h2>\n\n\n\n<p>Pri cyklistike nejde iba o ochranu vlastn\u00e9ho bicykla. D\u00f4le\u017eitou s\u00fa\u010das\u0165ou ochrany je aj poistenie zodpovednosti za \u0161kodu. Ak toti\u017e pri jazde sp\u00f4sob\u00edte \u0161kodu na zdrav\u00ed chodcovi, in\u00e9mu cyklistovi alebo po\u0161kod\u00edte cudz\u00ed majetok, n\u00e1hrada \u0161kody sa m\u00f4\u017ee vy\u0161plha\u0165 na ve\u013emi vysok\u00e9 sumy.&nbsp;<\/p>\n\n\n\n<p>Najv\u00e4\u010d\u0161\u00edm finan\u010dn\u00fdm rizikom pre cyklistu teda nie je po\u0161koden\u00fd alebo ukradnut\u00fd bicykel, ale \u0161koda, ktor\u00fa m\u00f4\u017ee sp\u00f4sobi\u0165 in\u00fdm. Pri v\u00e1\u017enej nehode m\u00f4\u017ee n\u00e1hrada \u0161kody dosiahnu\u0165 desiatky a\u017e stovky tis\u00edc eur. Preto je d\u00f4le\u017eit\u00e9 ma\u0165 nastaven\u00e9 poistenie zodpovednosti s dostato\u010dne vysok\u00fdm limitom poistn\u00e9ho plnenia.<\/p>\n\n\n\n<p>Poistenie zodpovednosti za \u0161kodu sa d\u00e1 uzatvori\u0165 aj priamo pri poisten\u00ed bicykla. Treba v\u0161ak myslie\u0165 na to, \u017ee sa nevz\u0165ahuje na bicykle, pri ktor\u00fdch vznik\u00e1 z\u00e1konn\u00e1 povinnos\u0165 uzatvori\u0165 povinn\u00e9 zmluvn\u00e9 poistenie.<\/p>\n\n\n\n<h2>Adrenal\u00ednov\u00e1 jazda si vy\u017eaduje pozornos\u0165<\/h2>\n\n\n\n<p>Z poh\u013eadu \u00farazov\u00e9ho poistenia sa rekrea\u010dn\u00e1 cykloturistika aj be\u017en\u00e1 horsk\u00e1 cyklistika pova\u017euj\u00fa za \u0161tandardn\u00e9 \u0161portov\u00e9 aktivity. In\u00e1 situ\u00e1cia nast\u00e1va pri adrenal\u00ednov\u00fdch discipl\u00ednach, ako je downhill, jazda v bikeparkoch alebo \u010fal\u0161ie rizikov\u00e9 \u0161porty.&nbsp;<\/p>\n\n\n\n<ul>\n<li>Ak sa im venujete pravidelne, je d\u00f4le\u017eit\u00e9 informova\u0165 o tom pois\u0165ov\u0148u u\u017e pri uzatv\u00e1ran\u00ed <a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie?_gl=1*18urklb*_up*MQ..*_ga*NTUyMTg2NDE1LjE3ODU3NTM5MzE.*_ga_2GY2HSEGGK*czE3ODU3NTM5MzEkbzEkZzAkdDE3ODU3NTM5MzEkajYwJGwwJGgw*_ga_C3CZ6Z9D3P*czE3ODU3NTM5MzEkbzEkZzAkdDE3ODU3NTM5MzEkajYwJGwwJGgw\">\u017eivotn\u00e9ho<\/a> alebo <a href=\"https:\/\/www.fingo.sk\/poistenie\/cestovne-poistenie\">cestovn\u00e9ho poistenia<\/a>.<\/li>\n\n\n\n<li>Len spr\u00e1vne nastaven\u00e9 poistenie v\u00e1m zabezpe\u010d\u00ed, \u017ee v pr\u00edpade \u00farazu nebude poistn\u00e9 plnenie zamietnut\u00e9 pre v\u00fdluku alebo nespr\u00e1vne nastaven\u00e9 krytie.&nbsp;<\/li>\n\n\n\n<li>Pred uzatvoren\u00edm poistenia si preto overte, \u010di konkr\u00e9tny \u0161port nepatr\u00ed medzi v\u00fdluky.<\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/www.fingo.sk\/blog\/poistenie-sportujucich-deti-ako-sa-chranit-pred-nasledkami-urazov\/\"><strong><em>Ak akt\u00edvne \u0161portujete, porad\u00edme v\u00e1m, ako si nastavi\u0165 aj \u017eivotn\u00e9 poistenie.\u00a0<\/em><\/strong><\/a><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=zivot_gif\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/09\/Fingo.sk-zivotne-poistenie-kalkulacka.gif\" alt=\"Fingo.sk \u017eivotn\u00e9 poistenie kalkula\u010dka\" class=\"wp-image-6529\"\/><\/a><\/figure>\n\n\n\n<h2>\u0160pecializovan\u00e9 poistenie pre cyklistov prin\u00e1\u0161a \u0161ir\u0161iu ochranu<\/h2>\n\n\n\n<p>Bicykle, najm\u00e4 drah\u0161ie elektrobicykle a kvalitn\u00e9 \u0161portov\u00e9 modely, sa dnes st\u00e1vaj\u00fa hodnotnej\u0161ou s\u00fa\u010das\u0165ou majetku dom\u00e1cnost\u00ed. S rast\u00facou ob\u013eubou preto rastie aj potreba poistenia, ktor\u00e9 zoh\u013ead\u0148uje \u0161pecifik\u00e1 cyklistick\u00e9ho vybavenia.<\/p>\n\n\n\n<p>Pois\u0165ovne u\u017e dnes pon\u00fakaj\u00fa aj \u0161pecializovan\u00e9 produkty ur\u010den\u00e9 priamo na ochranu bicyklov. Ich s\u00fa\u010das\u0165ou m\u00f4\u017ee by\u0165 aj poistenie cyklovoz\u00edkov \u010di kolobe\u017eiek.<\/p>\n\n\n\n<p>Komplexn\u00e9 poistenie, ktor\u00e9 sp\u00e1ja krytie kr\u00e1de\u017ee, po\u0161kodenia, technick\u00fdch por\u00fach aj asisten\u010dn\u00e9 slu\u017eby, m\u00f4\u017ee by\u0165 vhodn\u00fdm rie\u0161en\u00edm pre v\u0161etk\u00fdch, ktor\u00ed svoj bicykel vyu\u017e\u00edvaj\u00fa \u010dasto a z\u00e1rove\u0148 chc\u00fa chr\u00e1ni\u0165 svoju invest\u00edciu.<\/p>\n\n\n\n<h2>3 tipy, ktor\u00e9 sa v\u00e1m z\u00eddu&nbsp;<\/h2>\n\n\n\n<h3>Potrebuj\u00fa elektrobicykle povinn\u00e9 zmluvn\u00e9 poistenie?<\/h3>\n\n\n\n<p>Majitelia be\u017en\u00fdch elektrobicyklov sa nemusia ob\u00e1va\u0165 povinnosti uzatv\u00e1ra\u0165 povinn\u00e9 zmluvn\u00e9 poistenie. Elektrobicykle s pomocn\u00fdm elektrick\u00fdm motorom s r\u00fdchlos\u0165ou do 25 km\/h alebo s r\u00fdchlos\u0165ou viac ako 14 km\/h a hmotnos\u0165ou viac ako 25 kg pod\u013ea platnej legislat\u00edvy na Slovensku ani vo v\u00e4\u010d\u0161ine kraj\u00edn Eur\u00f3pskej \u00fanie tejto povinnosti nepodliehaj\u00fa.<\/p>\n\n\n\n<h3>\u010co robi\u0165 pri poruche?<\/h3>\n\n\n\n<p>Niektor\u00e9 pois\u0165ovne pon\u00fakaj\u00fa \u0161peci\u00e1lne poistenie technick\u00fdch por\u00fach elektrobicyklov vr\u00e1tane probl\u00e9mov s bat\u00e9riou. Viete ich vyu\u017ei\u0165 na Slovensku aj v zahrani\u010d\u00ed. S\u00fa\u010das\u0165ou m\u00f4\u017eu by\u0165 aj asisten\u010dn\u00e9 slu\u017eby, ktor\u00e9 pom\u00f4\u017eu napr\u00edklad s odvozom nepojazdn\u00e9ho bicykla alebo so zabezpe\u010den\u00edm servisu.<\/p>\n\n\n\n<h3>Pri cestovnom poisten\u00ed si v\u0161\u00edmajte limity<\/h3>\n\n\n\n<p>Niektor\u00e9 pois\u0165ovne umo\u017e\u0148uj\u00fa pripoisti\u0165 bicykel <a href=\"https:\/\/www.fingo.sk\/poistenie\/cestovne-poistenie\">v r\u00e1mci cestovn\u00e9ho poistenia<\/a> ako bato\u017einu. Tak\u00e9to krytie zah\u0155\u0148a aj odcudzenie po\u010das dovolenky, limity poistn\u00e9ho plnenia v\u0161ak b\u00fdvaj\u00fa pomerne n\u00edzke. Pri drah\u0161\u00edch bicykloch v hodnote pribli\u017ene nad 1 500 eur preto nemusia posta\u010dova\u0165.<\/p>\n\n\n\n<h2>Pom\u00f4\u017eeme v\u00e1m s poisten\u00edm bicykla, motorky aj auta<\/h2>\n\n\n\n<p>Vybra\u0165 spr\u00e1vne poistenie nemus\u00ed by\u0165 v\u017edy jednoduch\u00e9. Na\u0161i makl\u00e9ri z FinGO.sk v\u00e1m <a href=\"https:\/\/www.fingo.sk\/financne-poradenstvo\">pom\u00f4\u017eu zorientova\u0165 sa<\/a> v ponuk\u00e1ch pois\u0165ovn\u00ed, porovna\u0165 jednotliv\u00e9 mo\u017enosti a n\u00e1js\u0165 rie\u0161enie, ktor\u00e9 bude zodpoveda\u0165 hodnote v\u00e1\u0161ho majetku aj sp\u00f4sobu jeho vyu\u017e\u00edvania.<\/p>\n\n\n\n<p>\u010ci u\u017e potrebujete poisti\u0165 bicykel, motorku alebo <a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\">auto<\/a>, porad\u00edme v\u00e1m s v\u00fdberom vhodn\u00e9ho krytia, nastaven\u00edm poistn\u00fdch limitov aj podmienkami poistenia, aby ste vedeli, na \u010do sa m\u00f4\u017eete v pr\u00edpade \u0161kody spo\u013eahn\u00fa\u0165.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_property\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=property\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n","protected":false},"excerpt":{"rendered":"<p>Cyklodovolenky, v\u00edkendov\u00e9 v\u00fdjazdy \u010di krat\u0161ie cyklov\u00fdlety si medzi Slov\u00e1kmi z\u00edskavaj\u00fa \u010doraz v\u00e4\u010d\u0161iu ob\u013eubu. Ak aj vy patr\u00edte medzi nad\u0161en\u00fdch cyklistov, mo\u017eno ste do svojho bicykla alebo elektrobicykla investovali stovky a\u017e tis\u00edce eur. Pri v\u00fdbere v\u00fdbavy \u010dasto rie\u0161ite kvalitu, pohodlie aj bezpe\u010dnos\u0165 po\u010das jazdy, no na ochranu svojej invest\u00edcie sa niekedy zab\u00fada.\u00a0Poistenie bicykla v\u00e1s ochr\u00e1ni v pr\u00edpade kr\u00e1de\u017ee, po\u0161kodenia a aj pri \u010fal\u0161\u00edch ne\u010dakan\u00fdch udalostiach. Nepr\u00edjemn\u00e9 prekvapenie m\u00f4\u017ee pr\u00eds\u0165 vo chv\u00edli, ke\u010f d\u00f4jde ku kr\u00e1de\u017ei, po\u0161kodeniu alebo inej \u0161kode. Ako sa chr\u00e1ni\u0165? Porad\u00edme v\u00e1m, na \u010do myslie\u0165 pri poisten\u00ed bicykla a ako si nastavi\u0165 ochranu, aby zodpovedala jeho hodnote.&nbsp; \u010co kryje poistenie bicykla? Poistenie bicykla m\u00f4\u017ee v z\u00e1vislosti od konkr\u00e9tnej pois\u0165ovne a zvolen\u00e9ho rozsahu krytia chr\u00e1ni\u0165 v\u00e1\u0161 bicykel napr\u00edklad pred kr\u00e1de\u017eou, po\u0161koden\u00edm v d\u00f4sledku \u017eiveln\u00fdch udalost\u00ed, vandalizmom \u010di \u0161kodami sp\u00f4soben\u00fdmi pri dopravnej nehode. Pri elektrobicykloch niektor\u00e9 pois\u0165ovne pon\u00fakaj\u00fa aj krytie technick\u00fdch por\u00fach, probl\u00e9mov s bat\u00e9riou alebo asisten\u010dn\u00e9 slu\u017eby. Tie m\u00f4\u017eu pom\u00f4c\u0165 napr\u00edklad v situ\u00e1cii, ke\u010f po\u010das jazdy d\u00f4jde k poruche a bicykel nie je mo\u017en\u00e9 \u010falej pou\u017e\u00edva\u0165. Pri v\u00fdbere poistenia v\u0161ak nie je d\u00f4le\u017eit\u00fd iba rozsah krytia. V\u0161\u00edmajte si aj v\u00fd\u0161ku poistn\u00fdch limitov, \u00fazemn\u00fa platnos\u0165 poistenia a podmienky, ktor\u00e9 mus\u00edte splni\u0165 pri vzniku \u0161kody. Drah\u0161ie bicykle si zasl\u00fa\u017eia individu\u00e1lnu ochranu Mnoh\u00ed [&hellip;]<\/p>\n","protected":false},"author":58,"featured_media":11383,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[16],"tags":[309,115],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Poistenie bicykla: Kedy sa oplat\u00ed a \u010do v\u0161etko m\u00f4\u017ee kry\u0165? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Poistenie bicykla v\u00e1s m\u00f4\u017ee ochr\u00e1ni\u0165 pred kr\u00e1de\u017eou, po\u0161koden\u00edm aj vysok\u00fdmi \u0161kodami sp\u00f4soben\u00fdmi in\u00fdm. 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