{"id":4472,"date":"2021-11-15T13:28:19","date_gmt":"2021-11-15T12:28:19","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=4472"},"modified":"2023-01-30T14:54:16","modified_gmt":"2023-01-30T13:54:16","slug":"havarijne-poistenie-bez-spoluucasti-je-dnes-ohrozeny-druh","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/havarijne-poistenie-bez-spoluucasti-je-dnes-ohrozeny-druh\/","title":{"rendered":"Havarijn\u00e9 poistenie bez spolu\u00fa\u010dasti? Ako sa rozhodn\u00fa\u0165"},"content":{"rendered":"\n<p><strong>Aj vy uva\u017eujete nad havarijn\u00fdm poisten\u00edm? Hoci je na rozdiel od <a href=\"https:\/\/www.fingo.sk\/blog\/najvyhodnejsie-pzp\/\">PZP<\/a> vo v\u00e4\u010d\u0161ine pr\u00edpadov nepovinn\u00e9, te\u0161\u00ed sa st\u00e1le v\u00e4\u010d\u0161ej ob\u013eube. V pr\u00edpade nehody, kr\u00e1de\u017ee alebo \u017eivelnej pohromy toti\u017e nie je ka\u017ed\u00fd schopn\u00fd zaplati\u0165 opravu z vlastn\u00e9ho vrecka. Jednotliv\u00e9 havarijn\u00e9 poistky sa odli\u0161uj\u00fa aj v\u00fd\u0161kou spolu\u00fa\u010dasti a trendom je havarijn\u00e9 poistenie s fixnou spolu\u00fa\u010das\u0165ou. Havarijn\u00e9 poistenie bez spolu\u00fa\u010dasti v\u00e1m u\u017e takmer \u017eiadna pois\u0165ov\u0148a nepon\u00fakne. Ak\u00e9 poistenie si zvoli\u0165, z\u00e1le\u017e\u00ed aj od ceny, pripoisten\u00ed ako aj od sp\u00f4sobu a frekvencie vyu\u017e\u00edvania vozidla.<\/strong><\/p>\n<p><strong>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/strong><\/p>\n<ul>\n<li>\u010co v\u00e1m kryje havarijn\u00e9 poistenie?<\/li>\n<li>\u010co je spolu\u00fa\u010das\u0165?<\/li>\n<li>Ak\u00fd je ide\u00e1lna v\u00fd\u0161ka spolu\u00fa\u010dasti?<\/li>\n<li>Havarijn\u00e9 poistenie bez spolu\u00fa\u010dasti u\u017e takmer nen\u00e1jdete<\/li>\n<li>Porovnajte si havarijn\u00e9 poistenie <a href=\"https:\/\/www.fingo.sk\/kontakty\">vo FinGO.sk<\/a> a vyberte d\u00f4kladne<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><strong>Naj\u010dastej\u0161ie<\/strong> sa havarijn\u00e9 poistenie uzatv\u00e1ra na nov\u00e9 vozidl\u00e1. Oplat\u00ed sa v\u00e1m v\u0161ak aj ke\u010f m\u00e1te 10-ro\u010dn\u00e9, alebo aj drah\u0161ie auto, na ktor\u00e9 nie s\u00fa n\u00e1hradn\u00e9 diely lacn\u00e1 z\u00e1le\u017eitos\u0165.&nbsp;<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Havarijn\u00e1 poistka sa v\u00e1m z\u00edde aj vtedy, ak si <strong>nem\u00f4\u017eete dovoli\u0165<\/strong> zaplati\u0165 eventu\u00e1lne opravy z vlastn\u00e9ho vrecka.&nbsp;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tie\u017e v pr\u00edpade, \u017ee by v\u00e1m \u00fapln\u00e1 strata automobilu sp\u00f4sobila <strong>zastavenie v\u00e1\u0161ho pr\u00edjmu<\/strong>, alebo znemo\u017enila transport do pr\u00e1ce.&nbsp;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u010ci chceme alebo nie, \u010dasto sme na automobile z\u00e1visl\u00ed, a to nielen pracovne, ale aj v osobnom \u017eivote, pri prevoze det\u00ed alebo n\u00e1kupoch.&nbsp;<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Aj toto s\u00fa faktory, na ktor\u00e9 by sme pri zva\u017eovan\u00ed <a href=\"https:\/\/www.fingo.sk\/poistenie\/havarijne-poistenie\">havarijn\u00e9ho poistenia<\/a> mali myslie\u0165. <\/span><span style=\"font-size: revert; color: initial;\">Tak, ako pri ka\u017edej poistke, je <\/span><strong><span style=\"font-size: revert; color: initial;\">riziko mnohon\u00e1sobne vy\u0161\u0161ie<\/span><\/strong><span style=\"font-size: revert; color: initial;\">,<\/span><span style=\"font-size: revert; color: initial;\"> ne\u017e ro\u010dn\u00e9 poistn\u00e9.<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>\u010co v\u00e1m kryje havarijn\u00e9 poistenie?<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ide hlavne o situ\u00e1cie, kedy si \u0161kodu na svojom vozidle <strong>sp\u00f4sob\u00edte sami.<\/strong> Ak nastane \u0161kodov\u00e1 udalos\u0165, ktor\u00fa zapr\u00ed\u010dinil niekto in\u00fd, n\u00e1klady na va\u0161u opravu hrad\u00ed <a href=\"https:\/\/www.fingo.sk\/blog\/pzp-porovnanie\/\"><strong>PZP<\/strong><\/a><strong>&nbsp;dan\u00e9ho vinn\u00edka.&nbsp;<\/strong><\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Havarijn\u00e9 poistenie v\u00e1m kryje hlavne tieto udalosti:<\/b><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">hav\u00e1ria<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">kr\u00e1de\u017e a po\u0161kodenie bato\u017einy vo vozidle<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0161kody na vozidle, rozbitie skla a podobne<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0161kody sp\u00f4soben\u00e9<a href=\"https:\/\/www.fingo.sk\/blog\/poistenie-proti-zivlom-nepodcenujte-tri-jednoduche-cesty-ako-na-to\/\"> \u017eivlami<\/a> (napr. po\u017eiar, povode\u0148 a z\u00e1plava, krupobitie, \u0165archa snehu alebo \u013eadu a podobne)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">zr\u00e1\u017eka so zviera\u0165om<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0161kody sp\u00f4soben\u00e9 vandalizmom<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00faraz v d\u00f4sledku hav\u00e1rie &#8211; nemus\u00ed by\u0165 s\u00fa\u010das\u0165ou, niekedy je kryt\u00e9 a\u017e pripoisten\u00edm<\/span><\/li>\n<\/ul>\n<p><strong><span style=\"color: #ec8124;\">TIP<\/span><\/strong><span style=\"font-weight: 400;\"><strong><span style=\"color: #ec8124;\">:<\/span> <\/strong>Niekedy si \u0161of\u00e9ri rad\u0161ej zvolia pripoistenie k PZP. Ob\u013e\u00faben\u00e9 je napr\u00edklad <a href=\"https:\/\/www.fingo.sk\/blog\/prasknute-celne-sklo-na-pzp-sa-nespoliehajte\/\">pripoistenie \u010deln\u00e9ho skla<\/a>, ktor\u00e9ho v\u00fdmena alebo oprava stoj\u00ed nemal\u00e9 peniaze.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Jednotliv\u00e9 havarijn\u00e9 poistky sa l\u00ed\u0161ia <strong>nielen cenou<\/strong>, ale aj doplnkov\u00fdmi pripoisteniami a ich kombin\u00e1ciami. <\/span><span style=\"font-weight: 400;\">\u010eal\u0161\u00edm rozdielom je <strong>\u00fazemn\u00e1 platnos\u0165.<\/strong> T\u00e1 m\u00f4\u017ee by\u0165 len v r\u00e1mci Slovenska, okolit\u00fdch kraj\u00edn alebo v celej Eur\u00f3pe.&nbsp; Ak teda \u010dasto pracovne cestujete vlastn\u00fdm autom alebo jazd\u00edte autom na letn\u00e9 dovolenky, aj toto krit\u00e9rium by pri va\u0161om v\u00fdbere malo rezonova\u0165. Ceny havarijn\u00e9ho poistenia si <\/span><a href=\"https:\/\/www.fingo.sk\/poistenie\/havarijne-poistenie\"><span style=\"font-weight: 400;\">porovn\u00e1te tu<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>\u010co je spolu\u00fa\u010das\u0165?<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Spolu\u00fa\u010das\u0165 je pe\u0148a\u017en\u00fd alebo percentu\u00e1lny podiel, ktor\u00fdm v pr\u00edpade poistnej udalosti mus\u00ed finan\u010dne prispie\u0165 majite\u013e vozidla. M\u00f4\u017ee by\u0165 nastaven\u00e1 na ur\u010dit\u00e9<strong> percento, \u010dasto 5, 10, 15 %<\/strong> alebo na <strong>konkr\u00e9tnu sumu<\/strong>, napr\u00edklad 150, 200 \u20ac a podobne. Znamen\u00e1 to, \u017ee ak d\u00f4jde k likvid\u00e1cii poistnej udalosti, okrem toho, \u017ee \u0161kodu zaplat\u00ed pois\u0165ov\u0148a, sa na nej malou sumou podie\u013ea aj spom\u00ednan\u00fd majite\u013e. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Napr\u00edklad ak je sp\u00f4soben\u00e1 \u0161koda vo v\u00fd\u0161ke<strong> 1000 \u20ac<\/strong> a m\u00e1te uzatvoren\u00e9 havarijn\u00e9 poistenie so spolu\u00fa\u010das\u0165ou 10 %, zaplat\u00edte 100 \u20ac a zvy\u0161ok zaplat\u00ed pois\u0165ov\u0148a. Ak m\u00e1te spolu\u00fa\u010das\u0165 200 <\/span>\u20ac, tak pri \u0161kode za 1000 \u20ac dostanete od pois\u0165ovne 800 \u20ac.<\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>\u010c\u00edm je <strong>v\u00fd\u0161ka spolu\u00fa\u010dasti ni\u017e\u0161ia,<\/strong> t\u00fdm bude poistn\u00e9 havarijn\u00e9ho poistenia<strong> vy\u0161\u0161ie.<\/strong> Pri 5 % spolu\u00fa\u010dasti zaplat\u00edte teda vy\u0161\u0161ie poistn\u00e9, ako pri 10 % spolu\u00fa\u010dasti.<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Ak\u00e1 je ide\u00e1lna v\u00fd\u0161ka spolu\u00fa\u010dasti?<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pre ka\u017ed\u00e9ho in\u00e1 a z\u00e1le\u017e\u00ed od viacer\u00fdch faktorov. <\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">D\u00f4le\u017eit\u00e1 je samozrejme cena. <strong>Pri cene poistn\u00e9ho<\/strong> ale treba myslie\u0165 aj to, \u010di by bol v pr\u00edpade \u0161kody na vozidle vlastn\u00edk schopn\u00fd s\u00e1m opravu uhradi\u0165 a ako ve\u013emi by to zasiahlo jeho cash-flow.<\/span><\/li>\n<li>Pri vy\u0161\u0161ej spolu\u00fa\u010dasti, napr\u00edklad 10 % a poistnej udalosti, ktor\u00e1 bola vy\u010d\u00edslen\u00e1 \u0161kodou 2000 \u20ac, mus\u00ed ma\u0165 poistn\u00edk <strong>200 \u20ac hne\u010f poruke.<\/strong> Plat\u00ed to, ak automobil potrebuje k presunu do pr\u00e1ce, ktor\u00e1 ho \u017eiv\u00ed a situ\u00e1ciu potrebuje hne\u010f vyrie\u0161i\u0165.<\/li>\n<li>Tak\u00e1to vy\u0161\u0161ia, 10 % spolu\u00fa\u010das\u0165 alebo 330 \u20ac a viac sa \u010dasto uzatv\u00e1ra pre <strong>drah\u0161ie vozidl\u00e1,<\/strong> aby poistn\u00e9 nebolo a\u017e tak\u00e9 vysok\u00e9. Preto\u017ee na v\u00fd\u0161ku poistn\u00e9ho vpl\u00fdva aj hodnota automobilu.<\/li>\n<\/ul>\n<h2><span style=\"color: #ec8124;\"><b>Havarijn\u00e9 poistenie bez spolu\u00fa\u010dasti u\u017e takmer nen\u00e1jdete<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pre majite\u013eov nov\u00fdch vozidiel bola v\u017edy zauj\u00edmav\u00e1 <strong>mo\u017enos\u0165 0 % spolu\u00fa\u010dasti,<\/strong> av\u0161ak dnes sa tento typ poistenia na trhu <strong>takmer v\u00f4bec nevyskytuje.<\/strong> Automobily, ktor\u00e9 s\u00fa takto poisten\u00e9, n\u00e1jdeme akur\u00e1t v leasingov\u00fdch spolo\u010dnostiach. Pr\u00e1ve t\u00fdmto spolo\u010dnostiam by aj hodnota vy\u010d\u00edslenej sumy automaticky pripadla, preto\u017ee oni s\u00fa majite\u013emi vozidla. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tento typ <a href=\"https:\/\/www.fingo.sk\/blog\/havarijne-poistenie\/\">KASKA<\/a>, ako sa havarijn\u00e9mu poisteniu zvykne hovori\u0165, sa dostal do \u00fazadia hlavne preto, \u017ee pois\u0165ovne museli klientom plni\u0165 \u0161kody <strong>pr\u00edli\u0161 \u010dasto.<\/strong> D\u00f4vodmi boli mal\u00e9 \u0161krabance na aut\u00e1ch zaparkovan\u00fdch napr\u00edklad na s\u00eddlisk\u00e1ch, kde sa tak\u00e9to <\/span><span style=\"font-weight: 400;\">\u201e<\/span><span style=\"font-weight: 400;\">drobnosti\u201d st\u00e1vali pravidelne. N\u00e1klady pois\u0165ovn\u00ed na tieto opravy sa nejavili k v\u00fd\u0161ke poistn\u00e9ho rentabiln\u00e9, a preto ich rad\u0161ej zo svojho portf\u00f3lia vyl\u00fa\u010dili. <\/span><\/p>\n<blockquote>\n<p><span style=\"font-weight: 400;\">Auto k\u00fapen\u00e9 v <\/span><span style=\"font-weight: 400;\">\u201e<\/span><span style=\"font-weight: 400;\">leasingovke\u201d alebo na auto\u00faver s\u00fa aj jedin\u00e9 situ\u00e1cie, kedy je havarijn\u00e9 poistenie povinn\u00e9.<\/span><\/p>\n<\/blockquote>\n<h2><span style=\"color: #ec8124;\"><b>Porovnajte si havarijn\u00e9 poistenie a vyberte d\u00f4kladne<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">KASKO na auto si <strong>vybav\u00edte u\u017e aj <\/strong><\/span><strong><a href=\"https:\/\/www.fingo.sk\/poistenie\/havarijne-poistenie\">online.<\/a><\/strong><span style=\"font-weight: 400;\"> Po zadan\u00ed v\u0161etk\u00fdch \u00fadajov sa v\u00e1m vygeneruj\u00fa aktu\u00e1lne ponuky pois\u0165ovn\u00ed, z ktor\u00fdch si jednoducho vyberiete.&nbsp;<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>TIP<\/b><\/span><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\">:<\/span> Nezabudnite si pri poistnej zmluve v\u0161\u00edma\u0165 aj <strong>v\u00fdluky,<\/strong> aby sa v\u00e1m nestalo, \u017ee v\u00e1m pois\u0165ov\u0148a neuhrad\u00ed to, \u010do o\u010dak\u00e1vate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ak si nie ste ist\u00ed, ktor\u00e1 varianta je pre v\u00e1s najv\u00fdhodnej\u0161ia, m\u00f4\u017eete sa obr\u00e1ti\u0165 na n\u00e1\u0161ho <\/span><strong><a href=\"https:\/\/www.fingo.sk\/kontakty\">odborn\u00edka<\/a><\/strong><span style=\"font-weight: 400;\"><strong> z FinGO.sk<\/strong> alebo rovno zatelefonova\u0165 na <a href=\"tel:0800601060\"><strong>0800 60 10 60<\/strong><\/a><\/span><span style=\"color: #ec8124;\"><strong><span style=\"color: #ec8124;\">&nbsp;<\/span><\/strong><span style=\"color: #ec8124;\"><span style=\"color: #000000;\">\u010di vyplni\u0165 \u00fadaje vo formul\u00e1ri ni\u017e\u0161ie a my sa v\u00e1m ozveme. <\/span><\/span><\/span><span style=\"font-weight: 400;\">Vysvetl\u00edme v\u00e1m rozdiely v havarijnom poisten\u00ed a porad\u00edme, ktor\u00e1 mo\u017enos\u0165 by bola <strong>pre v\u00e1s najlep\u0161ia.<\/strong><\/span><\/p>\n\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\/4472#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\n","protected":false},"excerpt":{"rendered":"<p>Aj vy uva\u017eujete nad havarijn\u00fdm poisten\u00edm? Hoci je na rozdiel od PZP vo v\u00e4\u010d\u0161ine pr\u00edpadov nepovinn\u00e9, te\u0161\u00ed sa st\u00e1le v\u00e4\u010d\u0161ej ob\u013eube. V pr\u00edpade nehody, kr\u00e1de\u017ee alebo \u017eivelnej pohromy toti\u017e nie je ka\u017ed\u00fd schopn\u00fd zaplati\u0165 opravu z vlastn\u00e9ho vrecka. Jednotliv\u00e9 havarijn\u00e9 poistky sa odli\u0161uj\u00fa aj v\u00fd\u0161kou spolu\u00fa\u010dasti a trendom je havarijn\u00e9 poistenie s fixnou spolu\u00fa\u010das\u0165ou. Havarijn\u00e9 poistenie bez spolu\u00fa\u010dasti v\u00e1m u\u017e takmer \u017eiadna pois\u0165ov\u0148a nepon\u00fakne. Ak\u00e9 poistenie si zvoli\u0165, z\u00e1le\u017e\u00ed aj od ceny, pripoisten\u00ed ako aj od sp\u00f4sobu a frekvencie vyu\u017e\u00edvania vozidla. V \u010dl\u00e1nku sa do\u010d\u00edtate: \u010co v\u00e1m kryje havarijn\u00e9 poistenie? \u010co je spolu\u00fa\u010das\u0165? Ak\u00fd je ide\u00e1lna v\u00fd\u0161ka spolu\u00fa\u010dasti? Havarijn\u00e9 poistenie bez spolu\u00fa\u010dasti u\u017e takmer nen\u00e1jdete Porovnajte si havarijn\u00e9 poistenie vo FinGO.sk a vyberte d\u00f4kladne Naj\u010dastej\u0161ie sa havarijn\u00e9 poistenie uzatv\u00e1ra na nov\u00e9 vozidl\u00e1. Oplat\u00ed sa v\u00e1m v\u0161ak aj ke\u010f m\u00e1te 10-ro\u010dn\u00e9, alebo aj drah\u0161ie auto, na ktor\u00e9 nie s\u00fa n\u00e1hradn\u00e9 diely lacn\u00e1 z\u00e1le\u017eitos\u0165.&nbsp; Havarijn\u00e1 poistka sa v\u00e1m z\u00edde aj vtedy, ak si nem\u00f4\u017eete dovoli\u0165 zaplati\u0165 eventu\u00e1lne opravy z vlastn\u00e9ho vrecka.&nbsp; Tie\u017e v pr\u00edpade, \u017ee by v\u00e1m \u00fapln\u00e1 strata automobilu sp\u00f4sobila zastavenie v\u00e1\u0161ho pr\u00edjmu, alebo znemo\u017enila transport do pr\u00e1ce.&nbsp; \u010ci chceme alebo nie, \u010dasto sme na automobile z\u00e1visl\u00ed, a to nielen pracovne, ale aj v osobnom \u017eivote, pri prevoze det\u00ed alebo n\u00e1kupoch.&nbsp; [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":4475,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,208],"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 bez spolu\u00fa\u010dasti? 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