{"id":3410,"date":"2021-04-14T18:46:44","date_gmt":"2021-04-14T16:46:44","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=3410"},"modified":"2023-12-19T16:23:01","modified_gmt":"2023-12-19T15:23:01","slug":"havarijne-poistenie","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/havarijne-poistenie\/","title":{"rendered":"Havarijn\u00e9 poistenie: 10 r\u00e1d, \u010do v\u0161etko by ste o \u0148om mali vedie\u0165"},"content":{"rendered":"\n<p><b>Havarijn\u00e9 poistenie, naz\u00fdvan\u00e9 aj KASKO, v\u00e1m finan\u010dne pom\u00f4\u017ee pri \u0161kod\u00e1ch na va\u0161om vlastnom motorovom vozidle. \u010ci u\u017e svojho t\u00e1to\u0161a nechtiac zni\u010d\u00edte pri nehode vy sami alebo v\u00e1m ho po\u0161kod\u00ed povode\u0148, v\u00edchrica \u010di vandali,&#8230; Situ\u00e1ci\u00ed, pri ktor\u00fdch v\u00e1s m\u00f4\u017ee ochr\u00e1ni\u0165 poistka, je ve\u013emi ve\u013ea. <\/b><\/p>\n\n\n\n<p>\u010co v\u0161etko by ste o havarijnom poisten\u00ed mali vedie\u0165 a ako si ho uzavrie\u0165? Toto<span style=\"font-weight: 400;\">&nbsp;poistenie narozdiel od PZP nie je zo z\u00e1kona povinn\u00e9. No ur\u010dite sa <strong>oplat\u00ed uzavrie\u0165 ka\u017ed\u00e9mu<\/strong>, kto denne jazd\u00ed a je na svoje auto odk\u00e1zan\u00fd \u010di u\u017e kv\u00f4li pr\u00e1ci alebo s\u00fakromne ak napr\u00edklad voz\u00ed deti do \u0161koly, kv\u00f4li n\u00e1v\u0161tev\u00e1m lek\u00e1ra a podobne. <\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Nikto z n\u00e1s samozrejme nevie dopredu predpoveda\u0165, \u010di sa n\u00e1m \u0161koda na aute stane alebo nestane. No len <a href=\"https:\/\/www.fingo.sk\/blog\/prasknute-celne-sklo-na-pzp-sa-nespoliehajte\/\"><strong>v\u00fdmena \u010deln\u00e9ho skla<\/strong><\/a> v\u00e1s m\u00f4\u017ee st\u00e1\u0165 viac ako 500 eur, \u010do pod\u013ea \u0161tatist\u00edk rie\u0161ia vodi\u010di v priemere raz za 4 roky.&nbsp;<\/span><\/p>\n<\/blockquote>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>1. Havarijn\u00e9 poistenie &#8211; KASKO<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Predstavme si, \u017ee vozidlo <strong>pou\u017e\u00edvate na pr\u00e1cu.<\/strong> Pri v\u00edchrici na\u0148ho padne strom, vandali v\u00e1m rozbij\u00fa sklo alebo v\u00e1m ho ukradn\u00fa. Zo d\u0148a na de\u0148 ostanete bez auta, nem\u00f4\u017eete pracova\u0165 a <strong>pr\u00eddete o pr\u00edjem,<\/strong> na ktor\u00fd m\u00f4\u017eete by\u0165 vy alebo va\u0161a rodina odk\u00e1zan\u00e1. Pre tak\u00e9to pr\u00edpady by ste ur\u010dite mali svoje vozidlo poisti\u0165 aj havarijne.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Ka\u017ed\u00fd vodi\u010d by mal <strong>zv\u00e1\u017ei\u0165 rizik\u00e1,<\/strong> ktor\u00e9 s\u00favisia s u\u017e\u00edvan\u00edm jeho auta. Ak nebudete ma\u0165 KASKO, <a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-vytvorit-financnu-rezervu\/\">m\u00e1te na\u0161etren\u00fa<\/a> dostato\u010dn\u00fa sumu pe\u0148az\u00ed na opravu auta alebo k\u00fapu nov\u00e9ho? Alebo ho nevyhnutne nepotrebuje a ke\u010f sa nie\u010do stane, dok\u00e1\u017eete fungova\u0165 aj bez auta? Poistn\u00e9 v\u00e1s v\u017edy vyjde lacnej\u0161ie ako \u0161koda, ktor\u00e1 sa m\u00f4\u017ee vy\u0161plha\u0165 na stovky, alebo aj tis\u00edcky eur.&nbsp;<\/span><\/p>\n\n\n\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Havarijn\u00e9 poistenie sa vo v\u0161eobecnosti odpor\u00fa\u010da uzavrie\u0165 <strong>najm\u00e4&nbsp;na nov\u00fdch vozidl\u00e1ch<\/strong>, ale s\u00fa aj pr\u00edpady kedy klientom finan\u010dne pomohlo aj pri 10-ro\u010dnom alebo aj star\u0161om aute.<\/span><\/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\/havarijne-poistenie\/version1?inNewWindow=1&#038;cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO\" id=\"iframeKaskoV1\" 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\/havarijne-poistenie\/version1?inNewWindow=1&#038;cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO\" id=\"iframeKaskoV1\" style=\"min-height: 1000px; width: 100%; border: none; height: 608px;\" loading=\"lazy\"><\/iframe>\n<\/div><\/div>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>2. Krytie havarijn\u00e9ho poistenia<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Havarijn\u00e9 poistenie si uplat\u0148ujete najm\u00e4 vtedy, ak si <\/span><b>va\u0161\u00edm zavinen\u00edm <\/b>pri nehode<b> sp\u00f4sob\u00edte \u0161kodu <\/b><span style=\"font-weight: 400;\">na svojom vozidle. Ak by v\u00e1m \u0161kodu sp\u00f4sobil niekto in\u00fd, plnenie by mohlo \u00eds\u0165 z vinn\u00edkovho poistenia, napr\u00edklad z PZP. Poistenie sa z\u00e1rove\u0148 vz\u0165ahuje aj na situ\u00e1cie, ke\u010f va\u0161e vozidlo <strong>zni\u010d\u00ed <\/strong><\/span><strong><a href=\"https:\/\/www.fingo.sk\/blog\/poistenie-proti-zivlom-nepodcenujte-tri-jednoduche-cesty-ako-na-to\/\">\u017eiveln\u00e1 udalos\u0165<\/a><\/strong><span style=\"font-weight: 400;\"> \u2013 napr. kr\u00fapy, po\u017eiar, \u0165archa snehu a tie\u017e na \u0161kody, ktor\u00e9 sp\u00f4soben\u00e9<strong> vandalmi alebo zlodejmi.&nbsp;<\/strong><\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Poistenie naj\u010dastej\u0161ie kryje tieto situ\u00e1cie, resp. poistn\u00e9 udalosti:&nbsp;<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">hav\u00e1ria&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">\u0161kody na vozidle, <\/span><span style=\"font-weight: 400;\">rozbitie skla<\/span><span style=\"font-weight: 400;\"> a podobne<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">\u0161kody sp\u00f4soben\u00e9 \u017eivlami (napr. <\/span><span style=\"font-weight: 400;\">po\u017eiar, povode\u0148 a z\u00e1plava, krupobitie, \u0165archa snehu alebo \u013eadu a podobne)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">zr\u00e1\u017eka so zviera\u0165om<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">kr\u00e1de\u017e vozidla alebo \u010dasti vozidla<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">\u0161kody sp\u00f4soben\u00e9 vandalizmom<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">\u00faraz v d\u00f4sledku hav\u00e1rie<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">kr\u00e1de\u017e a po\u0161kodenie bato\u017einy vo vozidle<\/span><\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Pois\u0165ovne maj\u00fa v bal\u00edkoch havarijn\u00e9ho poistenia <\/span><b>r\u00f4zne kombin\u00e1cie <\/b>poistn\u00fdch riz\u00edk <span style=\"font-weight: 400;\">a&nbsp;z\u00e1rove\u0148 pon\u00fakaj\u00fa aj <strong>doplnkov\u00e9 pripoistenia<\/strong>, ktor\u00e9 si m\u00f4\u017eete vybra\u0165 pod\u013ea vlastn\u00fdch potrieb.<\/span><\/p>\n<\/blockquote>\n\n\n\n<p>P<span style=\"font-weight: 400;\">ri v\u00fdbere poistenia je potrebn\u00e9 d\u00e1va\u0165 pozor aj na aj v\u00fdluky v poistnej zmluve. V pr\u00edpade v\u00fdluky v\u00e1m toti\u017e pois\u0165ov\u0148a nemus\u00ed v\u017edy uhradi\u0165 poistn\u00e9 plnenie v plnej v\u00fd\u0161ke alebo v\u0161etky servisn\u00e9 n\u00e1klady, ale len ich \u010das\u0165.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\"><strong><span style=\"color: #ec8124;\">TIP:<\/span> <\/strong>Od rozsahu krytia sa potom odv\u00edja aj <strong>cena v\u00e1\u0161ho poistenia.<\/strong>&nbsp;Ak chcete vedie\u0165, ko\u013eko v\u00e1s m\u00f4\u017ee st\u00e1\u0165 poistenie v\u00e1\u0161ho auta, zavolajte n\u00e1m <span style=\"color: #ec8124;\">do FinGO.sk na 0800 60 10 60<\/span> a na\u0161e call centrum v\u00e1s spoj\u00ed s odborn\u00edkom na poistenie vo va\u0161om okol\u00ed.<\/span><\/p>\n\n\n<div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>3. Ur\u010denie poistnej sumy a cena poistenia<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Ur\u010denie poistnej sumy je jedn\u00fdm zo z\u00e1kladn\u00fdch parametrov, od ktor\u00fdch sa odv\u00edja v\u00fd\u0161ka poistn\u00e9ho, teda ko\u013eko budete plati\u0165 za havarijn\u00e9 poistenie. Ur\u010denie spr\u00e1vnej poistnej sumy je d\u00f4le\u017eit\u00e9 pre likvid\u00e1ciu poistnej udalosti a pois\u0165ovne ju stanovuj\u00fa pod\u013ea <\/span><b>novej<\/b><span style=\"font-weight: 400;\"> (cenn\u00edkovej) hodnoty, ktor\u00fa malo auto v roku v\u00fdroby.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">V praxi to znamen\u00e1, \u017ee ke\u010f si k\u00fapite <strong>nov\u00e9 auto za 20 000 eur<\/strong> aj s doplnkovou v\u00fdbavou a predajca v\u00e1m dal na\u0148ho <strong>z\u013eavu 2000 eur<\/strong>, tak spr\u00e1vne nastaven\u00e1 <strong>poistn\u00e1 suma je vo v\u00fd\u0161ke 22 000 eur<\/strong>. Rovnako to plat\u00ed aj v pr\u00edpade, ak si k\u00fapite star\u0161ie ojazden\u00e9 auto a chcete si ho poisti\u0165.&nbsp;<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" width=\"1732\" height=\"1154\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/06\/pzp.jpg\" alt=\"pzp\" class=\"wp-image-2388\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/06\/pzp.jpg 1732w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/06\/pzp-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/06\/pzp-768x512.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/06\/pzp-1024x682.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/06\/pzp-1080x720.jpg 1080w\" sizes=\"(max-width: 1732px) 100vw, 1732px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center\"><\/p>\n\n\n\n<p><b><span style=\"color: #ec8124;\">Pr\u00edklad:<\/span> <\/b><span style=\"font-weight: 400;\">Auto m\u00e1 d\u00e1tum prv\u00e9ho prihl\u00e1senia v roku 2018 a jeho cenn\u00edkov\u00e1 hodnota je 22 000 eur. Toto auto si k\u00fapite v roku 2021 za 14 000 eur, ale pri uzatv\u00e1ran\u00ed poistnej zmluvy uvediete ako poistn\u00fa sumu 22 000 eur.&nbsp;<\/span>Pois\u0165ovne po\u017eaduj\u00fa tak\u00e9to stanovenie poistnej sumy preto, lebo v\u00e4\u010d\u0161ina poistn\u00fdch udalost\u00ed je \u010diastkov\u00fdch.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>Rozdiel medzi \u010diastkovou a tot\u00e1lnou poistnou udalos\u0165ou, ako aj plnen\u00edm v nov\u00fdch alebo \u010dasov\u00fdch cen\u00e1ch, si vysvetl\u00edme ni\u017e\u0161ie.<\/p>\n<\/blockquote>\n\n\n\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Havarijn\u00e9 poistenie v\u00e1s priemerne bude st\u00e1\u0165 <strong>od 2 % z novej hodnoty<\/strong> vozidla. T\u00e1to cena m\u00f4\u017ee by\u0165 aj vy\u0161\u0161ia aj ni\u017e\u0161ia a odv\u00edja sa aj od modelu a veku auta, \u0161kodovosti klienta, lokality registr\u00e1cie vozidla at\u010f. \u010ci\u017ee napr\u00edklad pri spom\u00ednanom aute s novou hodnotou 22 000 eur by ro\u010dn\u00e9 havarijn\u00e9 poistn\u00e9 st\u00e1lo okolo 440 eur.<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>4. Spolu\u00fa\u010das\u0165 pri havarijnom poisten\u00ed<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Pri havarijnom poisten\u00ed v\u00e1m<\/span><b> vznik\u00e1 spolu\u00fa\u010das\u0165<\/b><span style=\"font-weight: 400;\">. To znamen\u00e1, \u017ee nejak\u00fa \u010das\u0165 vzniknutej \u0161kody zaplat\u00edte vy a \u010fal\u0161iu \u010das\u0165 pois\u0165ov\u0148a.<\/span> <span style=\"font-weight: 400;\">Narozdiel od <a href=\"https:\/\/www.fingo.sk\/blog\/najvyhodnejsie-pzp\/\">PZP<\/a>, pri havarijnom poisten\u00ed si sami <\/span><b>m\u00f4\u017eete zvoli\u0165 v\u00fd\u0161ku <\/b><span style=\"font-weight: 400;\">spolu\u00fa\u010dasti na va\u0161ej poistnej zmluve. Z\u00e1rove\u0148 plat\u00ed, \u017ee \u010d\u00edm men\u0161\u00ed podiel spolu\u00fa\u010dasti si zvol\u00edte, t\u00fdm drah\u0161ie bude va\u0161e poistn\u00e9 a naopak.<\/span><\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>V\u00fd\u0161ka spolu\u00fa\u010dasti<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">V minulosti sa naj\u010dastej\u0161ie vyu\u017e\u00edvala spolu\u00fa\u010das\u0165 vo v\u00fd\u0161ke 5 %, minim\u00e1lne 150 eur. To znamen\u00e1, \u017ee na ka\u017edej poistnej udalosti sa klient finan\u010dne podie\u013eal sumou 5 % z v\u00fd\u0161ky poistnej \u0161kody, resp. minim\u00e1lne 150 eurami.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>Pr\u00edklad:<\/b><\/span><span style=\"font-weight: 400;\"> Ak vznikla na vozidle \u0161koda vo v\u00fd\u0161ke 500 eur, klient zaplatil spolu\u00fa\u010das\u0165 150 eur. Ak sa \u0161koda vy\u0161plhala na 5000 eur, spolu\u00fa\u010das\u0165 klienta bola vo v\u00fd\u0161ke 250 eur.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">V s\u00fa\u010dasnosti s\u00fa v pois\u0165ovniach<\/span> trendom <b>fixn\u00e9 spolu\u00fa\u010dasti<\/b><span style=\"font-weight: 400;\"> &#8211; napr\u00edklad spolu\u00fa\u010das\u0165 vo v\u00fd\u0161ke 100 eur. Klient teda zaplat\u00ed v\u017edy rovnak\u00fa v\u00fd\u0161ku spolu\u00fa\u010dasti bez oh\u013eadu na v\u00fd\u0161ku \u0161kody. Pri <\/span><b>drah\u0161\u00edch aut\u00e1ch<\/b><span style=\"font-weight: 400;\"> sa zvykne pou\u017e\u00edva\u0165 aj <\/span><b>spolu\u00fa\u010das\u0165 10 %<\/b>, minim\u00e1lne<b> 330 \u20ac <\/b><span style=\"font-weight: 400;\">alebo viac, aby sa klientovi zn\u00ed\u017eila v\u00fd\u0161ka poistn\u00e9ho.&nbsp;<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>5. Priebeh poistn\u00e9ho plnenia<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Pri nehode, kr\u00e1de\u017ei, resp. akejko\u013evek \u0161kodovej udalosti na va\u0161om vozidle \u010do najsk\u00f4r <strong>zavolajte do pois\u0165ovne <\/strong>a nahl\u00e1ste poistn\u00fa udalos\u0165.&nbsp;<\/span><span style=\"font-weight: 400;\">Odpor\u00fa\u010dame zavola\u0165 <strong>aj pol\u00edciu,<\/strong> v\u010faka \u010domu sa vyhnete neskor\u0161\u00edm mo\u017en\u00fdm nepr\u00edjemnostiam pri rie\u0161en\u00ed poistnej udalosti. Pre\u010do?&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Pois\u0165ov\u0148a v\u00e1m m\u00f4\u017ee <strong>kr\u00e1ti\u0165 plnenie<\/strong> a d\u00f4vodom m\u00f4\u017ee by\u0165 nedodr\u017eanie jednej z va\u0161ich povinnost\u00ed, ktorou je aj zavolanie pol\u00edcie ak je to <strong>pod\u013ea z\u00e1kona povinn\u00e9<\/strong> &#8211; napr\u00edklad pri \u0161kod\u00e1ch nad 3 990 \u20ac, usmrten\u00ed alebo zranen\u00ed osoby, ak bola po\u0161koden\u00e1 cesta alebo verejne prospe\u0161n\u00e9 zariadenie. <\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">\u010eal\u0161\u00edm d\u00f4le\u017eit\u00fdm faktorom, ktor\u00fd rozhoduje o tom \u010di treba zavola\u0165 pol\u00edciu je aj to, \u010di sa \u00fa\u010dastn\u00edci \u0161kodovej udalosti dohodn\u00fa na tom, kto ju zavinil a p\u00edsomne si to potvrdia, alebo nie.&nbsp;<\/span><\/p>\n<\/blockquote>\n\n\n\n<p><span style=\"font-weight: 400;\">Takisto, ke\u010f pri \u0161kodovej udalosti nezavol\u00e1te pol\u00edciu, m\u00f4\u017ee na strane pois\u0165ovne vznikn\u00fa\u0165 podozrenie, \u010di ste pri \u0161kodovej udalosti neporu\u0161ili z\u00e1kon (napr. z d\u00f4vodu riadenia vozidla pod vplyvom alkoholu alebo in\u00fdch n\u00e1vykov\u00fdch l\u00e1tok). V\u010faka policajnej spr\u00e1ve o nehode v\u0161ak tieto podozrenia vyvr\u00e1tite. Privolanie pol\u00edcie v\u00e1m s\u00edce zaberie viac \u010dasu a ak by nehodu kvalifikovali ako poru\u0161enie z\u00e1kona, tak mus\u00edte r\u00e1ta\u0165 aj s pokutou. No napriek tomu pol\u00edciu <strong>odpor\u00fa\u010dame zavola\u0165.<\/strong><\/span><\/p>\n\n\n\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">V pr\u00edpade<strong> vandalizmu a kr\u00e1de\u017ee<\/strong> je <\/span><span style=\"font-weight: 400;\">samozrejme v\u017edy <\/span><span style=\"font-weight: 400;\">potrebn\u00e9 zavola\u0165 aj na pol\u00edciu.<\/span><\/p>\n\n\n\n<ul>\n<li><b><span style=\"font-weight: 400;\">Pois\u0165ov\u0148a vyberie <\/span>obhliadkara,<span style=\"font-weight: 400;\"> ktor\u00fd sa s&nbsp;vami skontaktuje a&nbsp;pr\u00edde obhliadnu\u0165 auto. Pri ni\u017e\u0161\u00edch \u0161kod\u00e1ch existuje aj mo\u017enos\u0165 samoobhliadky, z\u00e1vis\u00ed to od konkr\u00e9tnej pois\u0165ovne a od v\u00fd\u0161ky \u0161kody na aute. V&nbsp;niektor\u00fdch pr\u00edpadoch v\u00e1s pois\u0165ov\u0148a po\u0161le s&nbsp;autom <\/span>do servisu, <span style=\"font-weight: 400;\">s&nbsp;ktor\u00fdm spolupracuje a&nbsp;tam v\u00e1m auto obhliadnu.&nbsp;<\/span><\/b><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Neautorizovan\u00e9 servisy s\u00fa pre pois\u0165ovne <strong>menej d\u00f4veryhodn\u00e9.<\/strong> Keby napr. objednali lacnej\u0161\u00ed a menej kvalitn\u00fd n\u00e1hradn\u00fd diel, ale do fakt\u00fary za opravu nap\u00ed\u0161u, \u017ee pou\u017eili origin\u00e1lny a drah\u0161\u00ed diel, ktor\u00fd m\u00e1 pois\u0165ov\u0148a preplati\u0165, \u0161lo by o poistn\u00fd podvod.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Preto maj\u00fa pois\u0165ovne niektor\u00e9 <\/span><strong>servisy zazmluvnen\u00e9<\/strong><span style=\"font-weight: 400;\"> a ak si klienti nechaj\u00fa auto opravi\u0165 pr\u00e1ve v ich zazmluvnenom servise, poskytuj\u00fa im ur\u010dit\u00e9 <\/span>v\u00fdhody <span style=\"font-weight: 400;\">&#8211; napr\u00edklad obhliadku urobia v servise, \u010do klientovi u\u0161etr\u00ed \u010das alebo bude ma\u0165 klient ni\u017e\u0161iu spolu\u00fa\u010das\u0165 a podobne.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Ak to v poistnej zmluve <\/span>nem\u00e1te ur\u010den\u00e9<span style=\"font-weight: 400;\"> inak alebo na zazmluvnen\u00fd servis nie je naviazan\u00e1<\/span> z\u013eava <span style=\"font-weight: 400;\">z poistn\u00e9ho, m\u00f4\u017eete \u00eds\u0165 do ktor\u00e9hoko\u013evek, aj neautorizovan\u00e9ho servisu.&nbsp;<\/span><\/li>\n\n\n\n<li><strong>Priebeh a d\u013a\u017eka poistn\u00e9ho plnenia<\/strong><span style=\"font-weight: 400;\"> m\u00f4\u017eu by\u0165 r\u00f4zne. Z\u00e1vis\u00ed to aj od z\u00e1va\u017enosti poistnej udalosti, rozsahu \u0161kody aj od toho, ako r\u00fdchlo pois\u0165ovni dod\u00e1te v\u0161etky <\/span>potrebn\u00e9 doklady.<span style=\"font-weight: 400;\">&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">V\u00e4\u010d\u0161inou vypln\u00edte <\/span><strong><a href=\"https:\/\/www.skp.sk\/pdf\/sprava_o_nehode.pdf\">z\u00e1znam o nehode,<\/a><\/strong><span style=\"font-weight: 400;\"> dolo\u017e\u00edte k\u00f3piu v\u00e1\u0161ho vodi\u010dsk\u00e9ho preukazu a technick\u00e9ho preukazu po\u0161koden\u00e9ho vozidla, pr\u00edpadne aj \u010fal\u0161ie potrebn\u00e9 doklady, ktor\u00e9 si m\u00f4\u017ee pois\u0165ov\u0148a vyp\u00fdta\u0165.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">V niektor\u00fdch pr\u00edpadoch v\u00e1m m\u00f4\u017ee pois\u0165ov\u0148a vyplati\u0165 poistn\u00e9 plnenie <\/span>aj za <strong>2-3 dni,<\/strong> inokedy to trv\u00e1 <strong>aj mesiac alebo dlh\u0161ie.<\/strong><\/li>\n<\/ul>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>TIP: <\/b><\/span><span style=\"font-weight: 400;\">Vedeli ste o tom, \u017ee pois\u0165ovne maj\u00fa aj svojich <strong>detekt\u00edvov<\/strong>? Ak sa im nie\u010do nepozd\u00e1va,<\/span><span style=\"font-weight: 400;\"> pre\u0161etruj\u00fa okolnosti vzniku poistnej udalosti aj opravu a pou\u017eit\u00e9 diely na aut\u00e1ch. <\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Detekt\u00edvi im pom\u00e1haj\u00fa odhali\u0165 pr\u00edpadn\u00e9 poistn\u00e9 podvody, aby pois\u0165ov\u0148a nevyplatila peniaze za nie\u010do, \u010do by po spr\u00e1vnosti nemali.<\/span><\/p>\n<\/blockquote>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>6. \u010ciastkov\u00e9 a tot\u00e1lne \u0161kody. Ak\u00fd je rozdiel v plnen\u00ed<\/b><\/span><\/h2>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>\u010ciastkov\u00e1 \u0161koda<\/b><span style=\"font-weight: 400;\">&nbsp;<\/span><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">&#8211; Cena za opravu po\u0161koden\u00e9ho auta je pri \u010diastkovej \u0161kode <\/span><b>ni\u017e\u0161ia ako hodnota auta<\/b><span style=\"font-weight: 400;\"> v \u010dase poistnej udalosti. Ak je nutn\u00e9 nejak\u00fd diel ako napr\u00edklad n\u00e1razn\u00edk, \u010deln\u00e9 sklo, pr\u00edpadne \u010das\u0165 motora vymeni\u0165, <\/span>servis ho men\u00ed <strong>za nov\u00fd<\/strong><span style=\"font-weight: 400;\"><strong>, drah\u0161\u00ed diel.<\/strong> Nemen\u00ed ho teda za pou\u017eit\u00fd diel, ktor\u00fd by bol vekovo rovnak\u00fd ako je vek vozidla. Pois\u0165ov\u0148a rovno preplat\u00ed nov\u00fd diel aj cenu pr\u00e1ce, zn\u00ed\u017een\u00fa o va\u0161u spolu\u00fa\u010das\u0165 dohodnut\u00fa v zmluve. <\/span><b>&nbsp;<\/b><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">\u010ciastkov\u00e9 \u0161kody tvoria <strong>najv\u00e4\u010d\u0161iu \u010das\u0165<\/strong> poistn\u00fdch udalost\u00ed, ktor\u00e9 pois\u0165ovne likviduj\u00fa. A ke\u010f\u017ee pri nich prepl\u00e1ca pois\u0165ov\u0148a cenu nov\u00fdch dielov (teda vyplat\u00ed plnenie v novej cene), to je aj d\u00f4vod, pre\u010do pri uzatv\u00e1ran\u00ed havarijn\u00e9ho poistenia uv\u00e1dzame <\/span><b>nov\u00fa hodnotu <\/b><span style=\"font-weight: 400;\">auta v roku jeho v\u00fdroby a nie cenu, za ak\u00fa ho kupujeme.<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><strong>Kryc\u00ed list&nbsp;<\/strong><\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Kryc\u00ed list je dokument, v ktorom sa pois\u0165ovna zavia\u017ee, \u017ee uhrad\u00ed poistn\u00e9 plnenie servisu. Jeho v\u00fdhodou je, \u017ee <strong>nemus\u00edte zaplati\u0165 servisu<\/strong> opravu auta z vlastn\u00fdch pe\u0148az\u00ed a n\u00e1sledne ich \u017eiada\u0165 od pois\u0165ovne, ale servisu ich <strong>uhrad\u00ed priamo pois\u0165ov\u0148a<\/strong>. Funguje to tak, \u017ee servis oprav\u00ed auto a vystav\u00ed fakt\u00faru, ktor\u00fa doru\u010d\u00edte do pois\u0165ovne. Likvid\u00e1tor v pois\u0165ovni pos\u00fadi, \u010di je fakt\u00fara primeran\u00e1 po\u0161kodeniam, be\u017enej normohodine opravy a podobne. Potom vystav\u00ed kryc\u00ed list, po\u0161le ho do servisu a ten v\u00e1m po obdr\u017ean\u00ed listu auto vyd\u00e1.<\/span><\/p>\n\n\n\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Be\u017en\u00e9 vystavenie krycieho listu trv\u00e1 cca <strong>do 48 hod\u00edn,<\/strong> \u010di\u017ee o t\u00fato dobu sa v\u00e1m priemerne pred\u013a\u017ei \u010das \u010dakania na opraven\u00e9 auto. Pois\u0165ovne sa proces vystavenia krycieho listu sna\u017eia \u010do najviac zefekt\u00edvni\u0165, aby dobu \u010dakania na auto \u010do najviac skr\u00e1tili. <\/span><\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>Tot\u00e1lna \u0161koda&nbsp;<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">&#8211; Pri tot\u00e1lnej \u0161kode<\/span> <span style=\"font-weight: 400;\">oprava po\u0161koden\u00e9ho vozidla<\/span><b> stoj\u00ed viac ako je jeho hodnota<\/b><span style=\"font-weight: 400;\"> v \u010dase poistnej udalosti. Niektor\u00e9 pois\u0165ovne pova\u017euj\u00fa \u0161kodu za tot\u00e1lnu u\u017e vtedy, ke\u010f oprava stoj\u00ed viac ako <strong>80 &#8211; 90 %<\/strong> aktu\u00e1lnej hodnoty vozidla. Pri tot\u00e1lnych \u0161kod\u00e1ch v\u00e1m pois\u0165ov\u0148a preplat\u00ed cel\u00fa hodnotu vozidla v \u010dase poistnej udalosti, \u010di\u017ee jeho <\/span><b>\u010dasov\u00fa hodnotu<\/b><span style=\"font-weight: 400;\"> zn\u00ed\u017een\u00fa o spolu\u00fa\u010das\u0165 a pou\u017eite\u013en\u00e9 zvy\u0161ky vozidla.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" width=\"1731\" height=\"1155\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/04\/autonehoda.jpg\" alt=\"autonehoda v\u00fdstra\u017en\u00fd trojuholn\u00edk\" class=\"wp-image-3415\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/04\/autonehoda.jpg 1731w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/04\/autonehoda-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/04\/autonehoda-768x512.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/04\/autonehoda-1024x683.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/04\/autonehoda-1080x721.jpg 1080w\" sizes=\"(max-width: 1731px) 100vw, 1731px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center\"><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">M\u00f4\u017eeme si to op\u00e4\u0165 vysvetli\u0165 na pr\u00edklade vozidla, o ktorom sme u\u017e p\u00edsali vy\u0161\u0161ie.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>Pr\u00edklad:<\/b><\/span><span style=\"font-weight: 400;\"> Cenn\u00edkov\u00e1 cena vozidla v roku 2018 je <strong>22 000 eur<\/strong>, v roku 2021 je aktu\u00e1lna hodnota vozidla <strong>14 000 eur.<\/strong> Na zmluve je dohodnut\u00e1 fixn\u00e1 spolu\u00fa\u010das\u0165 150 eur. Stane sa hav\u00e1ria a servis vy\u010d\u00edsli opravu na <strong>9 000 eur<\/strong>. Ide o<strong> \u010diasto\u010dn\u00fa \u0161kodu<\/strong>, servis v\u00e1m auto oprav\u00ed a pois\u0165ov\u0148a v\u00e1m preplat\u00ed <strong>8 850 eur<\/strong> (9000 eur &#8211; 150 eur spolu\u00fa\u010das\u0165).&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak by ale oprava vozidla st\u00e1la <strong>14 000 eur alebo viac<\/strong>, pois\u0165ov\u0148a v\u00e1m opravu nepreplat\u00ed. <strong>Vyhl\u00e1si \u0161kodu za tot\u00e1lnu<\/strong> a zaplat\u00ed v\u00e1m 14 000 eur &#8211; minus va\u0161a spolu\u00fa\u010das\u0165 150 eur a &#8211; m\u00ednus pou\u017eite\u013en\u00e9 zvy\u0161ky vozidla, ktor\u00e9 sa daj\u00fa preda\u0165 (pre tento pr\u00edklad s\u00fa pou\u017eite\u013en\u00e9 zvy\u0161ky napr\u00edklad v hodnote 3000 eur). \u010ci\u017ee pois\u0165ov\u0148a v\u00e1m vyplat\u00ed <strong>10 850 eur<\/strong> a vy sa m\u00f4\u017eete rozhodn\u00fa\u0165, \u010di pou\u017eite\u013en\u00e9 zvy\u0161ky pred\u00e1te vy sami alebo vyu\u017eijete slu\u017eby pois\u0165ovne a zvy\u0161ky s jej pomocou pred\u00e1te za 3000 eur. K tomu, \u010do v\u00e1m zaplat\u00ed pois\u0165ov\u0148a (10 850 eur) tak m\u00f4\u017eete dosta\u0165 e\u0161te 3000 eur &#8211; <strong>spolu 13 850 eur.<\/strong><\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>TIP: <\/b><\/span><span style=\"font-weight: 400;\">Za poistn\u00e9 plnenie m\u00f4\u017eete da\u0165 svoje <strong>auto aj opravi\u0165<\/strong>, \u010do robia hlavne klienti so star\u0161\u00edmi autami, ktor\u00e9 nie s\u00fa tak\u00e9 komplikovan\u00e9 na opravu ako nov\u00e9 modely. Toto rie\u0161enie sa najviac oplat\u00ed, ak m\u00e1te vlastn\u00fd autoservis, resp. si viete opravi\u0165 auto <strong>svojpomocne a teda lacnej\u0161ie<\/strong>. Nezab\u00fadajte ale, \u017ee oprava auta m\u00f4\u017ee by\u0165 napokon drah\u0161ia ako vyplaten\u00e1 suma od pois\u0165ovne. <\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>7. Poistenie finan\u010dnej straty GAP<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\"><strong>GAP<\/strong> je zau\u017e\u00edvan\u00e1 skratka pre poistenie finan\u010dnej straty. Aj si ho uzavriete, pois\u0165ov\u0148a v\u00e1m <\/span><b>pri tot\u00e1lnej \u0161kode doplat\u00ed rozdiel <\/b><span style=\"font-weight: 400;\">medzi aktu\u00e1lnou hodnotou vozidla v \u010dase poistnej udalosti a t\u00fdm, \u010do ste predajcovi zaplatili pri k\u00fape vozidla. Op\u00e4\u0165 si to vysvetl\u00edme na pr\u00edklade.<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>Pr\u00edklad:<\/b><\/span><span style=\"font-weight: 400;\"> V roku 2018 ste si k\u00fapili od predajcu nov\u00e9 auto za 20 000 eur (po z\u013eave 2 000 eur). Uzatvorili ste si <strong>havarijn\u00e9 poistenie<\/strong> na poistn\u00fa sumu<strong> 22 000 eur<\/strong> a <strong>GAP <\/strong>na sumu <strong>20 000 eur.<\/strong> V roku 2021 v\u00e1m auto ukradn\u00fa alebo n\u00edm havarujete a pois\u0165ov\u0148a ozna\u010d\u00ed poistn\u00fa udalos\u0165 ako tot\u00e1lnu. Pre jednoduch\u0161ie pochopenie tohto pr\u00edkladu v\u00e1m ho ukradn\u00fa. Pois\u0165ov\u0148a ur\u010d\u00ed aktu\u00e1lnu hodnotu vozidla v \u010dase poistnej udalosti za 14 000 eur. <strong>Z havarijn\u00e9ho<\/strong> poistenia v\u00e1m vyplat\u00ed <strong>13 850 eur<\/strong>, tak ako sme p\u00edsali vy\u0161\u0161ie.<strong> Z GAP<\/strong> poistenia v\u00e1m e\u0161te vyplat\u00ed<strong> \u010fal\u0161\u00edch 6 000 eur<\/strong> (20 000 eur, ktor\u00e9 ste zaplatili za auto &#8211; m\u00ednus 14 000 eur aktu\u00e1lna hodnota auta v \u010dase poistnej udalosti).&nbsp;<\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">M\u00f4\u017eeme teda poveda\u0165, \u017ee v\u010faka havarijn\u00e9mu poisteniu a GAP poisteniu by ste si mohli po tot\u00e1lnej poistnej udalosti aj v roku 2021 k\u00fapi\u0165 nov\u00e9 auto za 20 000 eur.&nbsp;<\/span><\/p>\n<\/blockquote>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>TIP:<\/b><\/span><span style=\"font-weight: 400;\"> GAP poistenie sl\u00fa\u017ei ako pripoistenie k havarijn\u00e9mu poisteniu. Uplat\u0148uje sa pri tot\u00e1lnych \u0161kod\u00e1ch a uzatv\u00e1ra sa hlavne pre nov\u0161ie aut\u00e1.<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>8. Asisten\u010dn\u00e9 slu\u017eby pri havarijnom poisten\u00ed<\/b><\/span><\/h2>\n\n\n\n<p><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;\">Ich rozsah sa <\/span><b>m\u00f4\u017ee l\u00ed\u0161i\u0165<\/b><span style=\"font-weight: 400;\"> v z\u00e1vislosti od ka\u017edej pois\u0165ovne.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">K naj\u010dastej\u0161\u00edm poskytovan\u00fdm asisten\u010dn\u00fdm slu\u017eb\u00e1m patr\u00ed:<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">oprava vozidla na mieste<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">odtiahnutie a \u00faschova vozidla v pr\u00edpade poruchy alebo hav\u00e1rie<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">pomoc pri defekte<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">pomoc v pr\u00edpade z\u00e1meny paliva alebo pr\u00e1zdnej n\u00e1dr\u017ee<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">preprava os\u00f4b<\/span><\/li>\n<\/ul>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>9. \u00dazemn\u00e1 platnos\u0165 havarijn\u00e9ho poistenia<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Pri uzatv\u00e1ran\u00ed havarijn\u00e9ho poistenia sa m\u00f4\u017eete v niektor\u00fdch pois\u0165ovniach rozhodn\u00fa\u0165, <\/span><b>ak\u00fa \u00fazemn\u00fa platnos\u0165<\/b><span style=\"font-weight: 400;\"> bude ma\u0165 va\u0161e poistenie. V\u00e4\u010d\u0161ina havarijn\u00fdch poisten\u00ed m\u00e1 nastaven\u00fa \u00fazemn\u00fa platnos\u0165 <\/span><b>pre cel\u00fa Eur\u00f3pu<\/b><span style=\"font-weight: 400;\">. Ale m\u00f4\u017eete si vybra\u0165, aby platilo len na \u00fazem\u00ed Slovenska alebo na \u00fazem\u00ed ur\u010dit\u00fdch vybran\u00fdch susedn\u00fdch \u0161t\u00e1tov.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Samozrejme plat\u00ed, \u017ee \u010d\u00edm v\u00e4\u010d\u0161ia je \u00fazemn\u00e1 platnos\u0165,<strong> t\u00fdm vy\u0161\u0161ie poistn\u00e9<\/strong> zaplat\u00edte.<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>10. Uzatvorte si poistenie so sk\u00fasen\u00fdm odborn\u00edkom<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Rovnako ako PZP, aj havarijn\u00e9 poistenie si m\u00f4\u017eete v dne\u0161nej dobe <\/span><b>uzatvori\u0165 aj <\/b><a href=\"https:\/\/www.fingo.sk\/poistenie\/havarijne-poistenie\"><b>online.<\/b><\/a><span style=\"font-weight: 400;\"> No v\u017edy je lep\u0161ie, ak sa pri v\u00fdbere poistenia, vhodn\u00fdch pripoisten\u00ed alebo doplnkov\u00fdch slu\u017eieb, porad\u00edte aj s odborn\u00edkom. <\/span>Finan\u010dn\u00ed <b>sprostredkovatelia z FinGO.sk<\/b><span style=\"font-weight: 400;\"> maj\u00fa preh\u013ead o celom poistnom trhu a objekt\u00edvne v\u00e1m porovnaj\u00fa ceny, podmienky aj v\u00fdluky v poistn\u00fdch zmluv\u00e1ch v r\u00f4znych pois\u0165ovniach.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Na\u0161i makl\u00e9ri v\u00e1m pri v\u00fdbere poistenia radi pom\u00f4\u017eu a odporu\u010dia kvalitn\u00e9 poistenie, ktor\u00e9 bude najlep\u0161ie pre va\u0161e auto \u010di motorku. Klientom \u010dasto pom\u00e1hame aj<\/span> pri<b> kontrole ich poistn\u00fdch zml\u00fav<\/b><span style=\"font-weight: 400;\">, \u010di u\u017e ide o <a href=\"https:\/\/www.fingo.sk\/pzp-strazca\">star\u0161ie PZP<\/a>, alebo havarijn\u00fa poistku, ktor\u00e9 s\u00fa u\u017e nev\u00fdhodn\u00e9.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Zavolajte n\u00e1m na <\/span><span style=\"color: #ec8124;\"><b>0800 60 10 60<\/b><\/span><span style=\"font-weight: 400;\"> alebo n\u00e1m <\/span><span style=\"color: #ec8124;\"><b>zanechajte kontakt<\/b><\/span><span style=\"font-weight: 400;\"> a na\u0161e call centrum v\u00e1s spoj\u00ed so sk\u00fasen\u00fdm odborn\u00edkom vo va\u0161om okol\u00ed. U\u0161etr\u00edme v\u00e1m \u010das, bezplatne v\u00e1m porad\u00edme a odporu\u010d\u00edme to najv\u00fdhodnej\u0161ie poistenie vhodn\u00e9 pr\u00e1ve pre v\u00e1\u0161ho motorov\u00e9ho t\u00e1to\u0161a.<\/span><\/p>\n\n\n\n<div class=\"wp-block-contact-form-7-contact-form-selector\">\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\/3410#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<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Havarijn\u00e9 poistenie, naz\u00fdvan\u00e9 aj KASKO, v\u00e1m finan\u010dne pom\u00f4\u017ee pri \u0161kod\u00e1ch na va\u0161om vlastnom motorovom vozidle. \u010ci u\u017e svojho t\u00e1to\u0161a nechtiac zni\u010d\u00edte pri nehode vy sami alebo v\u00e1m ho po\u0161kod\u00ed povode\u0148, v\u00edchrica \u010di vandali,&#8230; Situ\u00e1ci\u00ed, pri ktor\u00fdch v\u00e1s m\u00f4\u017ee ochr\u00e1ni\u0165 poistka, je ve\u013emi ve\u013ea. \u010co v\u0161etko by ste o havarijnom poisten\u00ed mali vedie\u0165 a ako si ho uzavrie\u0165? Toto&nbsp;poistenie narozdiel od PZP nie je zo z\u00e1kona povinn\u00e9. No ur\u010dite sa oplat\u00ed uzavrie\u0165 ka\u017ed\u00e9mu, kto denne jazd\u00ed a je na svoje auto odk\u00e1zan\u00fd \u010di u\u017e kv\u00f4li pr\u00e1ci alebo s\u00fakromne ak napr\u00edklad voz\u00ed deti do \u0161koly, kv\u00f4li n\u00e1v\u0161tev\u00e1m lek\u00e1ra a podobne. Nikto z n\u00e1s samozrejme nevie dopredu predpoveda\u0165, \u010di sa n\u00e1m \u0161koda na aute stane alebo nestane. No len v\u00fdmena \u010deln\u00e9ho skla v\u00e1s m\u00f4\u017ee st\u00e1\u0165 viac ako 500 eur, \u010do pod\u013ea \u0161tatist\u00edk rie\u0161ia vodi\u010di v priemere raz za 4 roky.&nbsp; 1. Havarijn\u00e9 poistenie &#8211; KASKO Predstavme si, \u017ee vozidlo pou\u017e\u00edvate na pr\u00e1cu. Pri v\u00edchrici na\u0148ho padne strom, vandali v\u00e1m rozbij\u00fa sklo alebo v\u00e1m ho ukradn\u00fa. Zo d\u0148a na de\u0148 ostanete bez auta, nem\u00f4\u017eete pracova\u0165 a pr\u00eddete o pr\u00edjem, na ktor\u00fd m\u00f4\u017eete by\u0165 vy alebo va\u0161a rodina odk\u00e1zan\u00e1. Pre tak\u00e9to pr\u00edpady by ste ur\u010dite mali svoje vozidlo poisti\u0165 aj havarijne.&nbsp; Ka\u017ed\u00fd vodi\u010d by mal [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":3500,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[208],"tags":[77,200,161],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Havarijn\u00e9 poistenie: 10 r\u00e1d, \u010do v\u0161etko by ste o \u0148om mali vedie\u0165 - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Havarijn\u00e9 poistenie (KASKO) v\u00e1m finan\u010dne pom\u00f4\u017ee pri \u0161kod\u00e1ch na va\u0161om vlastnom motorovom vozidle. \u010co v\u0161etko kryje a ako si vybra\u0165 to najlep\u0161ie\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.sk\/blog\/havarijne-poistenie\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Havarijn\u00e9 poistenie: 10 r\u00e1d, \u010do v\u0161etko by ste o \u0148om mali vedie\u0165 - 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