{"id":8392,"date":"2023-12-19T16:30:43","date_gmt":"2023-12-19T15:30:43","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=8392"},"modified":"2023-12-19T16:30:45","modified_gmt":"2023-12-19T15:30:45","slug":"co-kryje-havarijne-poistenie-a-ako-postupovat-v-pripade-plnenia","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/co-kryje-havarijne-poistenie-a-ako-postupovat-v-pripade-plnenia\/","title":{"rendered":"\u010co kryje havarijn\u00e9 poistenie a ako postupova\u0165 v pr\u00edpade plnenia"},"content":{"rendered":"\n<p><strong>\u010co kryje a \u010do nekryje havarijn\u00e9 poistenie? Ako postupova\u0165 v pr\u00edpade vzniku poistnej udalosti?<\/strong> <strong>Aj medzi havarijn\u00fdmi poistkami s\u00fa rozdiely. Porovnajte si ich a vyberte si t\u00fa, ktor\u00e1 v\u00e1m najviac vyhovuje. <\/strong><\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-o-je-to-havarijn-poistenie\">\u010co je to havarijn\u00e9 poistenie<\/a><\/li><li class=\"\"><a href=\"#htoc-o-v-etko-kryje-havarijn-poistenie\">\u010co v\u0161etko kryje havarijn\u00e9 poistenie<\/a><\/li><li class=\"\"><a href=\"#htoc-o-nekryje-havarijn-poistenie\">\u010co nekryje havarijn\u00e9 poistenie<\/a><\/li><li class=\"\"><a href=\"#htoc-ak-s-dostupn-pripoistenia-pre-havarijn-poistenie\">Ak\u00e9 s\u00fa dostupn\u00e9 pripoistenia pre havarijn\u00e9 poistenie<\/a><\/li><li class=\"\"><a href=\"#htoc-v-luky-z-havarijn-ho-poistenia\">V\u00fdluky z havarijn\u00e9ho poistenia<\/a><\/li><li class=\"\"><a href=\"#htoc-ako-postupova-v-pr-pade-vzniku-poistnej-udalosti\">Ako postupova\u0165 v pr\u00edpade vzniku poistnej udalosti<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-o-je-to-havarijn-poistenie\" style=\"color:#ec8124\">\u010co je to havarijn\u00e9 poistenie<\/h2>\n\n\n\n<p>Havarijn\u00e9 poistenie, \u013eudovo naz\u00fdvane aj ako KASKO, v\u00e1m finan\u010dne pom\u00f4\u017ee v pr\u00edpade \u0161k\u00f4d na va\u0161om  motorovom vozidle. \u010ci u\u017e nab\u00farate alebo je po\u0161kodenie sp\u00f4soben\u00e9 vandalmi \u010di pr\u00edrodn\u00fdm \u017eivlom, pois\u0165ov\u0148a v\u00e1m \u0161kodu preplat\u00ed. Ak by ste mali uzatvoren\u00e9 len povinn\u00e9 zmluvn\u00e9 poistenie, museli by ste si v t\u00fdchto pr\u00edpadoch v\u0161etko zaplati\u0165 z vlastn\u00e9ho vrecka.<\/p>\n\n\n\n<p>Zjednodu\u0161ene povedan\u00e9, PZP v\u00e1s chr\u00e1ni v pr\u00edpade, \u017ee sp\u00f4sob\u00edte \u0161kody niekomu in\u00e9mu, havarijn\u00e9 poistenie v\u00e1m pom\u00f4\u017ee vtedy, ke\u010f d\u00f4jde ku \u0161kod\u00e1m na va\u0161om vozidle.<\/p>\n\n\n\n<p><strong><em>O tom, na \u010do sl\u00fa\u017ei havarijn\u00e9 poistenie sa dozviete z blogu <a href=\"https:\/\/www.fingo.sk\/blog\/havarijne-poistenie\/\">Havarijn\u00e9 poistenie: 10 r\u00e1d, \u010do v\u0161etko by ste o \u0148om mali vedie\u0165<\/a><\/em><\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-o-v-etko-kryje-havarijn-poistenie\" style=\"color:#ec8124\">\u010co v\u0161etko kryje havarijn\u00e9 poistenie<\/h2>\n\n\n\n<p>Poistenie naj\u010dastej\u0161ie kryje tieto situ\u00e1cie, resp. poistn\u00e9 udalosti:&nbsp;<\/p>\n\n\n\n<ul>\n<li>hav\u00e1ria&nbsp;<\/li>\n\n\n\n<li>\u0161kody na vozidle, rozbitie skla a podobne<\/li>\n\n\n\n<li>\u0161kody sp\u00f4soben\u00e9 \u017eivlami (napr. po\u017eiar, povode\u0148 a z\u00e1plava, krupobitie, \u0165archa snehu alebo \u013eadu a podobne)<\/li>\n\n\n\n<li>zr\u00e1\u017eka so zviera\u0165om<\/li>\n\n\n\n<li>kr\u00e1de\u017e vozidla alebo \u010dasti vozidla<\/li>\n\n\n\n<li>\u0161kody sp\u00f4soben\u00e9 vandalizmom<\/li>\n\n\n\n<li>\u00faraz v d\u00f4sledku hav\u00e1rie<\/li>\n\n\n\n<li>kr\u00e1de\u017e a po\u0161kodenie bato\u017einy vo vozidle<\/li>\n<\/ul>\n\n\n\n<p>Pois\u0165ovne maj\u00fa v bal\u00edkoch havarijn\u00e9ho poistenia r\u00f4zne kombin\u00e1cie poistn\u00fdch riz\u00edk a&nbsp;z\u00e1rove\u0148 pon\u00fakaj\u00fa aj doplnkov\u00e9 pripoistenia, ktor\u00e9 si m\u00f4\u017eete vybra\u0165 pod\u013ea vlastn\u00fdch potrieb.<\/p>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-o-nekryje-havarijn-poistenie\" style=\"color:#ec8124\">\u010co nekryje havarijn\u00e9 poistenie<\/h2>\n\n\n\n<p>Havarijn\u00e9 poistenie samozrejme nekryje \u00faplne v\u0161etko. Pri v\u00fdbere poistenia je preto potrebn\u00e9 d\u00e1va\u0165 pozor na  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. Ke\u010f si pre\u010d\u00edtate v\u0161eobecn\u00e9 poistn\u00e9 podmienky, n\u00e1jdete v nich zoznam v\u00fdluk z poistenia. <\/p>\n\n\n\n<p>Ve\u013emi d\u00f4le\u017eit\u00e1 je v\u00fd\u0161ka poistenia. 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, pois\u0165ovne ju stanovuj\u00fa pod\u013ea novej (cenn\u00edkovej) hodnoty, ktor\u00fa malo auto v roku v\u00fdroby.&nbsp;<\/p>\n\n\n\n<p>V praxi to znamen\u00e1, \u017ee ke\u010f si k\u00fapite nov\u00e9 auto za 20 000 eur aj s doplnkovou v\u00fdbavou a predajca v\u00e1m d\u00e1 na\u0148ho z\u013eavu 2000 eur, tak spr\u00e1vne nastaven\u00e1 poistn\u00e1 suma je vo v\u00fd\u0161ke 22 000 eur. Rovnako to plat\u00ed aj v pr\u00edpade, ak si k\u00fapite star\u0161ie ojazden\u00e9 auto a chcete si ho poisti\u0165.&nbsp;<\/p>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-ak-s-dostupn-pripoistenia-pre-havarijn-poistenie\" style=\"color:#ec8124\">Ak\u00e9 s\u00fa dostupn\u00e9 pripoistenia pre havarijn\u00e9 poistenie<\/h2>\n\n\n\n<p>Pois\u0165ovne pon\u00fakaj\u00fa k havarijn\u00e9mu poisteniu viacer\u00e9 pripoistenia. M\u00f4\u017ee medzi na patri\u0165:<\/p>\n\n\n\n<ul>\n<li>Bezlimitn\u00e9 poistenie skiel<\/li>\n\n\n\n<li>Poistenie n\u00e1hradn\u00e9ho vozidla<\/li>\n\n\n\n<li>Poistenie bato\u017einy<\/li>\n\n\n\n<li>Poistenie poruchy vozidla do 3,5 tony<\/li>\n\n\n\n<li>Poistenie \u00farazu vodi\u010da a dopravovan\u00fdch os\u00f4b<\/li>\n\n\n\n<li>Asisten\u010dn\u00e9 slu\u017eby<\/li>\n\n\n\n<li>Poistenie finan\u010dnej straty (GAP)<\/li>\n<\/ul>\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&amp;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&amp;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 class=\"has-text-color\" id=\"htoc-v-luky-z-havarijn-ho-poistenia\" style=\"color:#ec8124\">V\u00fdluky z havarijn\u00e9ho poistenia<\/h2>\n\n\n\n<p>Havarijn\u00e9 poistenie sa nevz\u0165ahuje na \u0161kody, ktor\u00fdch pr\u00ed\u010dinou je napr\u00edklad:<\/p>\n\n\n\n<ul>\n<li>prirodzen\u00e9 opotrebovanie a \u00fanava materi\u00e1lu<\/li>\n\n\n\n<li>\u00famyseln\u00e9 po\u0161kodenie vozidla zo strany poistn\u00edka alebo u\u017e\u00edvate\u013ea vozidla<\/li>\n\n\n\n<li>nespr\u00e1vna \u00fadr\u017eba alebo obsluha<\/li>\n\n\n\n<li>vojna, teroristick\u00fd \u00fatok, \u0161trajky alebo nepokoje<\/li>\n\n\n\n<li>vyu\u017e\u00edvanie vozidla na pren\u00e1jom, taxi slu\u017eby alebo v r\u00e1mci auto\u0161koly<\/li>\n<\/ul>\n\n\n\n<p>D\u00f4vodov je samozrejme omnoho viac, ne\u017e uv\u00e1dzame v zozname, odpor\u00fa\u010dam v\u00e1m pozorne si pre\u010d\u00edta\u0165  podmienky v poistnej zmluve. <\/p>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-ako-postupova-v-pr-pade-vzniku-poistnej-udalosti\" style=\"color:#ec8124\">Ako postupova\u0165 v pr\u00edpade vzniku poistnej udalosti<\/h2>\n\n\n\n<p>Pri akejko\u013evek \u0161kodovej udalosti, ktor\u00e1 sa stane na va\u0161om vozidle, \u010do najsk\u00f4r zavolajte do pois\u0165ovne a nahl\u00e1ste poistn\u00fa udalos\u0165. Pois\u0165ov\u0148a vyberie technika, ktor\u00fd sa s vami skontaktuje a pr\u00edde obhliadnu\u0165 auto. V niektor\u00fdch pr\u00edpadoch v\u00e1s pois\u0165ov\u0148a po\u0161le s autom do servisu, s ktor\u00fdm spolupracuje, a tam v\u00e1m auto obhliadnu. <\/p>\n\n\n\n<p>Pri ni\u017e\u0161\u00edch \u0161kod\u00e1ch existuje aj mo\u017enos\u0165 samoobhliadky. To v\u0161ak z\u00e1vis\u00ed od konkr\u00e9tnej pois\u0165ovne a od v\u00fd\u0161ky \u0161kody na aute.<\/p>\n\n\n\n<p><strong><em>\u010co robi\u0165, ak zraz\u00edte zviera, sa m\u00f4\u017eete do\u010d\u00edta\u0165 v blogu <a href=\"https:\/\/www.fingo.sk\/blog\/zrazka-auta-so-zverou-ako-sa-jej-vyhnut-a-co-robit-po-nehode\/\">Zr\u00e1\u017eka auta so zverou: Ako sa jej vyhn\u00fa\u0165 a \u010do robi\u0165 po nehode?<\/a><\/em><\/strong><\/p>\n\n\n\n<p>Priebeh a d\u013a\u017eka poistn\u00e9ho plnenia m\u00f4\u017eu by\u0165 r\u00f4zne. Je to ovplyvnen\u00e9 predov\u0161etk\u00fdm z\u00e1va\u017enos\u0165ou poistnej udalosti a rozsahom \u0161kody. Ur\u00fdchli\u0165 to m\u00f4\u017eete aj vy, a to r\u00fdchlym dodan\u00edm v\u0161etk\u00fdch potrebn\u00fdch dokladov pois\u0165ovni. V\u00e4\u010d\u0161inou je potrebn\u00e9 vyplni\u0165 z\u00e1znam o nehode, predlo\u017ei\u0165 k\u00f3piu v\u00e1\u0161ho vodi\u010dsk\u00e9ho a technick\u00e9ho preukazu, pr\u00edpadne dolo\u017ei\u0165 \u010fal\u0161ie potrebn\u00e9 doklady. <\/p>\n\n\n\n<p>V niektor\u00fdch pr\u00edpadoch je poistn\u00e9 vyplaten\u00e9 v priebehu nieko\u013ek\u00fdch dn\u00ed, s\u00fa v\u0161ak aj pr\u00edpady, kedy to trv\u00e1 aj mesiac alebo dlh\u0161ie. <br><\/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<p>Zavolajte n\u00e1m na <strong>0800 60 10 60<\/strong> alebo n\u00e1m <strong>zanechajte kontakt<\/strong> 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.<\/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\/8392#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\n\n\n<p><br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u010co kryje a \u010do nekryje havarijn\u00e9 poistenie? Ako postupova\u0165 v pr\u00edpade vzniku poistnej udalosti? Aj medzi havarijn\u00fdmi poistkami s\u00fa rozdiely. Porovnajte si ich a vyberte si t\u00fa, ktor\u00e1 v\u00e1m najviac vyhovuje. \u010co je to havarijn\u00e9 poistenie Havarijn\u00e9 poistenie, \u013eudovo naz\u00fdvane aj ako KASKO, v\u00e1m finan\u010dne pom\u00f4\u017ee v pr\u00edpade \u0161k\u00f4d na va\u0161om motorovom vozidle. \u010ci u\u017e nab\u00farate alebo je po\u0161kodenie sp\u00f4soben\u00e9 vandalmi \u010di pr\u00edrodn\u00fdm \u017eivlom, pois\u0165ov\u0148a v\u00e1m \u0161kodu preplat\u00ed. Ak by ste mali uzatvoren\u00e9 len povinn\u00e9 zmluvn\u00e9 poistenie, museli by ste si v t\u00fdchto pr\u00edpadoch v\u0161etko zaplati\u0165 z vlastn\u00e9ho vrecka. Zjednodu\u0161ene povedan\u00e9, PZP v\u00e1s chr\u00e1ni v pr\u00edpade, \u017ee sp\u00f4sob\u00edte \u0161kody niekomu in\u00e9mu, havarijn\u00e9 poistenie v\u00e1m pom\u00f4\u017ee vtedy, ke\u010f d\u00f4jde ku \u0161kod\u00e1m na va\u0161om vozidle. O tom, na \u010do sl\u00fa\u017ei havarijn\u00e9 poistenie sa dozviete z blogu Havarijn\u00e9 poistenie: 10 r\u00e1d, \u010do v\u0161etko by ste o \u0148om mali vedie\u0165 \u010co v\u0161etko kryje havarijn\u00e9 poistenie Poistenie naj\u010dastej\u0161ie kryje tieto situ\u00e1cie, resp. poistn\u00e9 udalosti:&nbsp; Pois\u0165ovne maj\u00fa v bal\u00edkoch havarijn\u00e9ho poistenia r\u00f4zne kombin\u00e1cie poistn\u00fdch riz\u00edk a&nbsp;z\u00e1rove\u0148 pon\u00fakaj\u00fa aj doplnkov\u00e9 pripoistenia, ktor\u00e9 si m\u00f4\u017eete vybra\u0165 pod\u013ea vlastn\u00fdch potrieb. \u010co nekryje havarijn\u00e9 poistenie Havarijn\u00e9 poistenie samozrejme nekryje \u00faplne v\u0161etko. Pri v\u00fdbere poistenia je preto potrebn\u00e9 d\u00e1va\u0165 pozor na v\u00fdluky v poistnej zmluve. V pr\u00edpade v\u00fdluky v\u00e1m toti\u017e pois\u0165ov\u0148a [&hellip;]<\/p>\n","protected":false},"author":52,"featured_media":8409,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,208],"tags":[77,200,155],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u010co kryje havarijn\u00e9 poistenie a ako postupova\u0165 v pr\u00edpade plnenia - FinGO.sk<\/title>\n<meta name=\"description\" content=\"\u010co kryje a \u010do nekryje havarijn\u00e9 poistenie? Ako postupova\u0165 v pr\u00edpade vzniku poistnej udalosti? 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