{"id":1368,"date":"2020-08-26T08:49:21","date_gmt":"2020-08-26T06:49:21","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=1368"},"modified":"2023-12-07T09:50:20","modified_gmt":"2023-12-07T08:50:20","slug":"poistenie-proti-zivlom-nepodcenujte-tri-jednoduche-cesty-ako-na-to","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/poistenie-proti-zivlom-nepodcenujte-tri-jednoduche-cesty-ako-na-to\/","title":{"rendered":"Poistenie auta proti \u017eiveln\u00fdm pohrom\u00e1m &#8211; ako na to?"},"content":{"rendered":"\n<p><b>Siln\u00e9 b\u00farky, krupobitie, ale aj z\u00e1plava \u010di \u00fader blesku dok\u00e1\u017eu za kr\u00e1tky \u010das nap\u00e1cha\u0165 obrovsk\u00e9 \u0161kody. <\/b><a href=\"https:\/\/www.fingo.sk\/blog\/mate-svoj-majetok-poisteny-proti-povodni-a-zaplavam\/\"><b>Pr\u00edrodn\u00e9 \u017eivly<\/b><\/a><b> n\u00e1m ukazuj\u00fa st\u00e1le v\u00e4\u010d\u0161iu silu a&nbsp;aj v&nbsp;s\u00favislosti s&nbsp;klimatick\u00fdmi zmenami sa n\u00e1hle zmeny po\u010dasia za\u010d\u00ednaj\u00fa objavova\u0165 \u010doraz \u010dastej\u0161ie.<\/b><\/p>\n\n\n\n<p><strong>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/strong><\/p>\n\n\n\n<ul>\n<li>Kedy je v\u00fdhodnej\u0161ie havarijn\u00e9 poistenie<\/li>\n\n\n\n<li>Ako funguje pripoistenie k PZP<\/li>\n\n\n\n<li>\u010co je to verejn\u00fd pr\u00eds\u013eub pois\u0165ovne<\/li>\n\n\n\n<li>Ak\u00e9 \u017eiveln\u00e9 udalosti kryj\u00fa pois\u0165ovne<\/li>\n\n\n\n<li>Ako postupova\u0165 pri poistnej udalosti<\/li>\n<\/ul>\n\n\n\n<p>Pois\u0165ovne ka\u017edoro\u010dne bilancuj\u00fa mili\u00f3nov\u00e9 \u0161kody sp\u00f4soben\u00e9 \u017eivlami a v\u00e4\u010d\u0161ina z&nbsp;nich sa t\u00fdka osobn\u00fdch motorov\u00fdch vozidiel. <span style=\"font-weight: 400;\">Po\u0161koden\u00e9 vozidl\u00e1 pois\u0165ovne<\/span><b> hradia <a href=\"https:\/\/poistenie.fingo.sk\/havarijne-poistenie\">z&nbsp;havarijn\u00e9ho poistenia<\/a><\/b><span style=\"font-weight: 400;\">, ktor\u00e9 u\u017e v&nbsp;z\u00e1kladnom bal\u00edku kryje aj \u0161kody sp\u00f4soben\u00e9 pr\u00edrodn\u00fdmi \u017eivlami. No ke\u010f\u017ee nie ka\u017ed\u00fd m\u00e1 uzatvoren\u00e9 havarijn\u00e9 poistenie, m\u00f4\u017ee v&nbsp;tak\u00fdchto pr\u00edpadoch pom\u00f4c\u0165 aj <strong>\u017eiveln\u00e9 pripoistenie <\/strong>k&nbsp;povinn\u00e9mu zmluvn\u00e9mu poisteniu (PZP) alebo <strong>verejn\u00fd pr\u00eds\u013eub<\/strong> pois\u0165ovne.<\/span><\/p>\n\n\n\n<p>V&nbsp;\u010dom sa tieto tri mo\u017enosti l\u00ed\u0161ia<span style=\"font-weight: 400;\"> a&nbsp;na \u010do si pri uzatv\u00e1ran\u00ed poistenia d\u00e1va\u0165 pozor?&nbsp;<\/span><\/p>\n\n\n\n<h2><span style=\"color: #eb8024;\"><b>1. Havarijn\u00e9 poistenie<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Havarijn\u00e9 poistenie na rozdiel od PZP <\/span><b>chr\u00e1ni va\u0161e auto komplexne<\/b><span style=\"font-weight: 400;\"> proti \u0161kod\u00e1m, ktor\u00e9 vznikli vlastn\u00fdm alebo cudz\u00edm zavinen\u00edm. Zv\u00e4\u010d\u0161a sa vyu\u017e\u00edva pri hav\u00e1rii, ak sp\u00f4sob\u00edte \u0161kodu aj na vlastnom vozidle, \u010di pri vandalizme alebo kr\u00e1de\u017ei. V poslednom obdob\u00ed sa havarijn\u00e9 poistenie vyu\u017e\u00edva \u010doraz \u010dastej\u0161ie ako ochrana v pr\u00edpade spom\u00ednan\u00fdch \u017eiveln\u00fdch udalost\u00ed. <\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Pois\u0165ovne maj\u00fa v bal\u00edkoch r\u00f4zne kombin\u00e1cie t\u00fdchto riz\u00edk a z\u00e1rove\u0148 pon\u00fakaj\u00fa aj doplnkov\u00e9 pripoistenia, ktor\u00e9 si m\u00f4\u017eete navoli\u0165 pod\u013ea vlastn\u00fdch potrieb.<\/span><\/p>\n<\/blockquote>\n\n\n\n<p><span style=\"color: #ec8124;\"><strong>V\u00fdhody havarijn\u00e9ho poistenia<\/strong><\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Aj ke\u010f je havarijn\u00e9 poistenie v porovnan\u00ed s \u010fal\u0161\u00edmi mo\u017enos\u0165ami o nie\u010do drah\u0161ie, m\u00e1 nieko\u013eko podstatn\u00fdch v\u00fdhod. <\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Okrem vy\u0161\u0161\u00edch limitov plnenia ako pri pripoisteniach v PZP, havarijn\u00e9 poistenie <\/span><b>obsahuje aj \u0161ir\u0161iu \u0161k\u00e1lu riz\u00edk<\/b><span style=\"font-weight: 400;\">. <\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Z\u00e1rove\u0148 si m\u00f4\u017eete <strong>sami zvoli\u0165 ak\u00fa v\u00fd\u0161ku spolu\u00fa\u010dasti<\/strong> budete ma\u0165 na poistnej zmluve, \u010do pri PZP nie je mo\u017en\u00e9. <\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">V\u00fd\u0161ka spolu\u00fa\u010dasti pri \u017eiveln\u00fdch pohrom\u00e1ch m\u00f4\u017ee z\u00e1visie\u0165 od v\u00fd\u0161ky vzniknutej \u0161kody, ale priemerne sa pohybuje na \u00farovni a\u017e okolo 200 \u20ac. <\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">S\u00fa\u010das\u0165ou havarijn\u00e9ho poistenia b\u00fdvaj\u00fa aj <\/span><b>asisten\u010dn\u00e9 slu\u017eby<\/b><span style=\"font-weight: 400;\">, ktor\u00e9 s\u00fa v zmluve automaticky obsiahnut\u00e9. <\/span><\/li>\n\n\n\n<li>Keby bolo va\u0161e auto po hav\u00e1rii nepojazdn\u00e9 alebo by v\u00e1m ho v hor\u0161om pr\u00edpade ukradli, pois\u0165ov\u0148a v\u00e1m m\u00f4\u017ee preplati\u0165 <strong>n\u00e1klady za po\u017ei\u010danie n\u00e1hradn\u00e9ho vozidla<\/strong>, ak m\u00e1te t\u00fato mo\u017enos\u0165 pripoisten\u00fa.<\/li>\n<\/ul>\n\n\n\n<h2><span style=\"color: #eb8024;\"><b>2. Pripoistenie k&nbsp;PZP<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\">Povinn\u00e9 zmluvn\u00e9 poistenie<\/a> mus\u00ed ma\u0165 zo z\u00e1kona ka\u017ed\u00fd a kryje zodpovednos\u0165 za \u0161kodu, ktor\u00fa sp\u00f4sob\u00edte inej osobe. Ale ak\u00fako\u013evek poistn\u00fa udalos\u0165, ktor\u00e1 po\u0161kod\u00ed va\u0161e auto, v\u00e1m u\u017e nehrad\u00ed. Trendom v\u0161ak je, \u017ee niektor\u00e9 pois\u0165ovne umo\u017enia svoj\u00edm klientom<\/span><b> v r\u00e1mci PZP si pripoisti\u0165 aj \u010fal\u0161ie rizik\u00e1,<\/b><span style=\"font-weight: 400;\"> medzi nimi aj \u017eiveln\u00e9 pohromy. <\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Ke\u010f\u017ee t\u00e1to forma ochrany proti \u017eivlom je lacnej\u0161ia, pre mnoh\u00fdch klientov je aj l\u00e1kavej\u0161ia.<\/span><\/p>\n<\/blockquote>\n\n\n\n<p><strong>TIP:&nbsp;<\/strong>Mo\u017enosti PZP v r\u00f4znych pois\u0165ovniach si m\u00f4\u017eete ve\u013emi r\u00fdchlo porovna\u0165 cez n\u00e1\u0161 PZP porovn\u00e1va\u010d.<\/p>\n\n\n\n<div class=\"block-visibility-hide-small-screen is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<iframe src=\"https:\/\/www.fingo.sk\/banner\/pzp\/version1?inNewWindow=1&#038;cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO\" id=\"iframePzpV1\" style=\"min-height: 592px; width: 110%; border: none; height: 608px;\" loading=\"lazy\"><\/iframe>\n<\/div><\/div>\n\n\n\n<div class=\"block-visibility-hide-large-screen block-visibility-hide-medium-screen is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<iframe src=\"https:\/\/www.fingo.sk\/banner\/pzp\/version1?inNewWindow=1&#038;cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO\" id=\"iframePzpV1\" style=\"min-height: 592px; width: 100%; border: none; height: 608px;\" loading=\"lazy\"><\/iframe>\n<\/div><\/div>\n\n\n\n<p><span style=\"font-weight: 400;\"><strong>Pozor!<\/strong> Nev\u00fdhodou pripoistenia k PZP s\u00fa v\u0161ak <\/span><b>ni\u017e\u0161ie poistn\u00e9 limity <\/b>v poistnej zmluve<span style=\"font-weight: 400;\">. V niektorej pois\u0165ovni to m\u00f4\u017ee by\u0165 500 eur, v inej 2000 eur. Vy\u0161\u0161iu sumu ako je limit na danom riziku v\u00e1m pois\u0165ov\u0148a na va\u0161om zni\u010denom aute nepreplat\u00ed. Pozorne si treba pre\u0161tudova\u0165 aj poistn\u00e9 podmienky.<\/span><\/p>\n\n\n\n<h2><span style=\"color: #eb8024;\"><b>3. Verejn\u00fd pr\u00eds\u013eub<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">S\u00fa aj pois\u0165ovne, ktor\u00e9 maj\u00fa riziko \u017eivlu kryt\u00e9 ako verejn\u00fd pr\u00eds\u013eub. Ak ste to e\u0161te nepo\u010duli, verejn\u00fd pr\u00eds\u013eub je nie\u010do ako bonus alebo akcia, ktor\u00fa pois\u0165ov\u0148a vyhl\u00e1si na ur\u010dit\u00e9 \u010dasov\u00e9 obdobie. Aby nemusela meni\u0165 v\u0161etky poistn\u00e9 zmluvy, poskytne <\/span><b>krytie niektor\u00e9ho rizika formou verejn\u00e9ho pr\u00eds\u013eubu<\/b><span style=\"font-weight: 400;\">. Ten sa m\u00f4\u017ee vz\u0165ahova\u0165 na nov\u00e9 aj star\u0161ie poistn\u00e9 zmluvy a pois\u0165ov\u0148a v\u017edy presne \u0161pecifikuje, ktor\u00fdch zml\u00fav sa verejn\u00fd pr\u00eds\u013eub t\u00fdka a dokedy plat\u00ed.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak by ste sa chceli pri \u017eivelnej udalosti spo\u013eahn\u00fa\u0165 len na verejn\u00fd pr\u00eds\u013eub, tie\u017e si ho <strong>starostlivo pre\u010d\u00edtajte.<\/strong> Pr\u00e1ve pri tejto alternat\u00edve sa toti\u017e st\u00e1va, \u017ee pois\u0165ovne aj be\u017en\u00e9 \u017eiveln\u00e9 udalosti ako je krupobitie alebo z\u00e1plava z verejn\u00e9ho pr\u00eds\u013eubu vyjm\u00fa alebo obmedzia jeho \u00fazemn\u00fa platnos\u0165. <\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>Mohli by ste osta\u0165 nemilo prekvapen\u00ed<span style=\"font-weight: 400;\"> keby va\u0161e zni\u010den\u00e9 auto vy\u017eadovalo nieko\u013ekotis\u00edcov\u00fa opravu a vy by ste sa spoliehali na pois\u0165ov\u0148u.<\/span><\/p>\n<\/blockquote>\n\n\n\n<h3><span style=\"color: #ec8124;\">\u017diveln\u00e9 udalosti, ktor\u00e9 kryj\u00fa pois\u0165ovne<\/span><\/h3>\n\n\n\n<ul>\n<li>po\u017eiar a v\u00fdbuch<\/li>\n\n\n\n<li>povode\u0148 a z\u00e1plava<\/li>\n\n\n\n<li>krupobitie<\/li>\n\n\n\n<li>v\u00edchrica, hurik\u00e1n<\/li>\n\n\n\n<li>zemetrasenie a zosuv p\u00f4dy<\/li>\n\n\n\n<li>atmosf\u00e9rick\u00e9 zr\u00e1\u017eky<\/li>\n\n\n\n<li>\u00fader blesku<\/li>\n\n\n\n<li>p\u00e1d lav\u00edny, zr\u00fatenie sk\u00e1l<\/li>\n\n\n\n<li>\u0165archa snehu alebo \u013eadu<\/li>\n<\/ul>\n\n\n\n<h2><span style=\"color: #eb8024;\"><b>Ako postupova\u0165 pri poistnej udalosti<\/b><\/span><\/h2>\n\n\n\n<p><b><span style=\"font-weight: 400;\"><strong>Postup je rovnak\u00fd<\/strong> bez oh\u013eadu na to, \u010di m\u00e1te uzatvoren\u00e9 havarijn\u00e9 poistenie, pripoistenie PZP alebo sa na va\u0161u poistn\u00fa zmluvu vz\u0165ahuje verejn\u00fd pr\u00eds\u013eub.&nbsp;<\/span><\/b><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">V&nbsp;prvom rade<strong> \u010do najsk\u00f4r<\/strong> po \u017eivelnej udalosti zavol\u00e1te do pois\u0165ovne a <strong>nahl\u00e1site poistn\u00fa udalos\u0165.&nbsp;<\/strong><\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">N\u00e1sledne <strong>pois\u0165ov\u0148a vyberie obhliadk\u00e1ra,<\/strong> ktor\u00fd sa s&nbsp;vami skontaktuje a&nbsp;pr\u00edde obhliadnu\u0165 auto.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">V niektor\u00fdch pr\u00edpadoch m\u00f4\u017eete absolvova\u0165 obhliadku <strong>priamo v servise,<\/strong> s ktor\u00fdm pois\u0165ov\u0148a spolupracuje.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Pri ni\u017e\u0161\u00edch \u0161kod\u00e1ch existuje aj <strong>mo\u017enos\u0165 samoobhliadky,<\/strong> z\u00e1vis\u00ed to od konkr\u00e9tnej pois\u0165ovne a od v\u00fd\u0161ky \u0161kody na aute.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Samoobhliadku si klienti robia v\u00e4\u010d\u0161inou cez telef\u00f3n. Odfotia \u0161kody a fotografie po\u0161l\u00fa do pois\u0165ovne, ktor\u00e1 situ\u00e1ciu vyhodnot\u00ed. Potom v\u00e1m po\u0161le peniaze rovno na \u00fa\u010det, niekedy to m\u00f4\u017ee by\u0165 aj do 24 hod\u00edn od zaslania fotografi\u00ed.&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<h2><img decoding=\"async\" class=\"aligncenter wp-image-2418\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/07\/refinancovanie2.jpg\" alt=\"dvojica pri po\u010d\u00edta\u010di so zmluvou v ruke\" width=\"500\" height=\"333\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/07\/refinancovanie2.jpg 1732w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/07\/refinancovanie2-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/07\/refinancovanie2-768x512.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/07\/refinancovanie2-1024x682.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/07\/refinancovanie2-1080x720.jpg 1080w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/h2>\n\n\n\n<h2><span style=\"color: #eb8024;\"><b>Sprostredkovate\u013e nastav\u00ed poistenie a \u0161etr\u00ed \u010das<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Spr\u00e1vne nastavenie havarijn\u00e9ho poistenia ako aj pripoistenia k PZP si vy\u017eaduje odborn\u00e9 sk\u00fasenosti. Na\u0161i <\/span><strong><a href=\"https:\/\/www.fingo.sk\/financne-poradenstvo#mapa\">FinGO finan\u010dn\u00ed sprostredkovatelia<\/a><\/strong><span style=\"font-weight: 400;\"> v\u00e1m <\/span><b>vedia spr\u00e1vne nastavi\u0165 poistn\u00fa sumu, limity aj rozsah krytia <\/b><span style=\"font-weight: 400;\">na va\u0161om poisten\u00ed tak, aby v zmluve nedo\u0161lo k podpoisteniu. <\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Aby sa v\u00e1m pri nehode alebo \u017eivelnej udalosti nestalo, \u017ee v\u00e1m pois\u0165ov\u0148a nepreplat\u00ed \u0161kody na zni\u010denom aute v potrebnom rozsahu. V takom pr\u00edpade by ste si poistku platili zbyto\u010dne.<\/span><\/p>\n<\/blockquote>\n\n\n\n<p><span style=\"font-weight: 400;\">Poistenie cez finan\u010dn\u00e9ho sprostredkovate\u013ea v\u00e1m z\u00e1rove\u0148 \u0161etr\u00ed \u010das. Keby ste sa pois\u0165ovali sami, mus\u00edte sa vopred dohodn\u00fa\u0165 s&nbsp;pois\u0165ov\u0148ou a&nbsp;objedna\u0165 sa na obhliadku auta. S<\/span>prostredkovate\u013e v\u00e1m dok\u00e1\u017ee s\u00e1m<b> urobi\u0165 obhliadku vo<\/b><strong>zidla <\/strong><span style=\"font-weight: 400;\"><strong>e\u0161te v&nbsp;de\u0148 podpisu zmluvy.<\/strong> Od toho momentu ste z\u00e1rove\u0148 v&nbsp;r\u00e1mci poistnej zmluvy chr\u00e1nen\u00fd, ke\u010f\u017ee zo stretnutia s makl\u00e9rom u\u017e m\u00f4\u017eete odch\u00e1dza\u0165 poisten\u00fd.&nbsp;<\/span><\/p>\n\n\n\n<div class=\"is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<div class=\"block-visibility-hide-small-screen is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<iframe src=\"https:\/\/www.fingo.sk\/banner\/pzp-strazca\/version1?cpar=doxx&amp;ref=https:\/\/www.fingo.sk\/banner\/pzp-strazca\/version1?cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO&amp;utm_medium=doxx&amp;utm_source=doxx\" id=\"iframePzpWatchdogV1\" style=\"min-height: 716px; width: 110%; border: none; height: 728px;\" loading=\"lazy\"><\/iframe>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"block-visibility-hide-large-screen block-visibility-hide-medium-screen is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<iframe src=\"https:\/\/www.fingo.sk\/banner\/pzp-strazca\/version1?cpar=doxx&amp;ref=https:\/\/www.fingo.sk\/banner\/pzp-strazca\/version1?cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO&amp;utm_medium=doxx&amp;utm_source=doxx\" id=\"iframePzpWatchdogV1\" style=\"min-height: 800px; width: 100%; border: none; height: 728px;\" loading=\"lazy\"><\/iframe>\n<\/div><\/div>\n\n\n\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Nezab\u00fadajte, \u017ee va\u0161im cie\u013eom by nemalo by\u0165 poisti\u0165 sa \u010do najlacnej\u0161ie, ale <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/najvyhodnejsie-pzp\/\"><span style=\"font-weight: 400;\">\u010do najlep\u0161ie<\/span><\/a><span style=\"font-weight: 400;\">. Sprostredkovatelia z FinGO.sk v\u00e1m s&nbsp;t\u00fdm radi pom\u00f4\u017eu.&nbsp;<\/span>Zavolajte n\u00e1m na <strong>0800 60 10 60<\/strong> alebo n\u00e1m zanechajte va\u0161a \u00fadaje a my sa v\u00e1m \u010do najsk\u00f4r ozveme.<\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><span style=\"color: #333333;\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o1\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/1368#wpcf7-f2236-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/span><\/span><\/p>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Siln\u00e9 b\u00farky, krupobitie, ale aj z\u00e1plava \u010di \u00fader blesku dok\u00e1\u017eu za kr\u00e1tky \u010das nap\u00e1cha\u0165 obrovsk\u00e9 \u0161kody. Pr\u00edrodn\u00e9 \u017eivly n\u00e1m ukazuj\u00fa st\u00e1le v\u00e4\u010d\u0161iu silu a&nbsp;aj v&nbsp;s\u00favislosti s&nbsp;klimatick\u00fdmi zmenami sa n\u00e1hle zmeny po\u010dasia za\u010d\u00ednaj\u00fa objavova\u0165 \u010doraz \u010dastej\u0161ie. V \u010dl\u00e1nku sa do\u010d\u00edtate: Pois\u0165ovne ka\u017edoro\u010dne bilancuj\u00fa mili\u00f3nov\u00e9 \u0161kody sp\u00f4soben\u00e9 \u017eivlami a v\u00e4\u010d\u0161ina z&nbsp;nich sa t\u00fdka osobn\u00fdch motorov\u00fdch vozidiel. Po\u0161koden\u00e9 vozidl\u00e1 pois\u0165ovne hradia z&nbsp;havarijn\u00e9ho poistenia, ktor\u00e9 u\u017e v&nbsp;z\u00e1kladnom bal\u00edku kryje aj \u0161kody sp\u00f4soben\u00e9 pr\u00edrodn\u00fdmi \u017eivlami. No ke\u010f\u017ee nie ka\u017ed\u00fd m\u00e1 uzatvoren\u00e9 havarijn\u00e9 poistenie, m\u00f4\u017ee v&nbsp;tak\u00fdchto pr\u00edpadoch pom\u00f4c\u0165 aj \u017eiveln\u00e9 pripoistenie k&nbsp;povinn\u00e9mu zmluvn\u00e9mu poisteniu (PZP) alebo verejn\u00fd pr\u00eds\u013eub pois\u0165ovne. V&nbsp;\u010dom sa tieto tri mo\u017enosti l\u00ed\u0161ia a&nbsp;na \u010do si pri uzatv\u00e1ran\u00ed poistenia d\u00e1va\u0165 pozor?&nbsp; 1. Havarijn\u00e9 poistenie Havarijn\u00e9 poistenie na rozdiel od PZP chr\u00e1ni va\u0161e auto komplexne proti \u0161kod\u00e1m, ktor\u00e9 vznikli vlastn\u00fdm alebo cudz\u00edm zavinen\u00edm. Zv\u00e4\u010d\u0161a sa vyu\u017e\u00edva pri hav\u00e1rii, ak sp\u00f4sob\u00edte \u0161kodu aj na vlastnom vozidle, \u010di pri vandalizme alebo kr\u00e1de\u017ei. V poslednom obdob\u00ed sa havarijn\u00e9 poistenie vyu\u017e\u00edva \u010doraz \u010dastej\u0161ie ako ochrana v pr\u00edpade spom\u00ednan\u00fdch \u017eiveln\u00fdch udalost\u00ed. Pois\u0165ovne maj\u00fa v bal\u00edkoch r\u00f4zne kombin\u00e1cie t\u00fdchto riz\u00edk a z\u00e1rove\u0148 pon\u00fakaj\u00fa aj doplnkov\u00e9 pripoistenia, ktor\u00e9 si m\u00f4\u017eete navoli\u0165 pod\u013ea vlastn\u00fdch potrieb. V\u00fdhody havarijn\u00e9ho poistenia Aj ke\u010f je havarijn\u00e9 poistenie v porovnan\u00ed s \u010fal\u0161\u00edmi mo\u017enos\u0165ami o nie\u010do drah\u0161ie, m\u00e1 nieko\u013eko [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":1372,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,75,208],"tags":[161,175,174],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Poistenie auta proti \u017eiveln\u00fdm pohrom\u00e1m - ako na to? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Siln\u00e9 b\u00farky, krupobitie, ale aj z\u00e1plava dok\u00e1\u017eu za kr\u00e1tky \u010das nap\u00e1cha\u0165 obrovsk\u00e9 \u0161kody. Poistenie proti \u017eivlom v\u00e1m m\u00f4\u017ee pom\u00f4c\u0165. 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