{"id":135227,"date":"2021-07-13T09:39:40","date_gmt":"2021-07-13T07:39:40","guid":{"rendered":"https:\/\/all4camper.com\/\/?p=135227"},"modified":"2022-12-13T14:45:49","modified_gmt":"2022-12-13T13:45:49","slug":"dulezite-ctete-na-co-si-dat-pozor-u-cestovniho-pojisteni","status":"publish","type":"post","link":"https:\/\/all4camper.com\/cs\/dulezite-ctete-na-co-si-dat-pozor-u-cestovniho-pojisteni\/","title":{"rendered":"D\u016fle\u017eit\u00e9, \u010dt\u011bte. Na co si d\u00e1t pozor u cestovn\u00edho poji\u0161t\u011bn\u00ed"},"content":{"rendered":"\n<p><strong>Pro n\u011bkter\u00e9 z v\u00e1s bude mo\u017en\u00e1 tento \u010dl\u00e1nek p\u0159\u00edli\u0161 dlouh\u00fd nebo v\u00e1m p\u0159ijde nudn\u00fd. V\u011b\u0159te v\u0161ak, \u017ee jsem za n\u011bj neuv\u011b\u0159iteln\u011b moc r\u00e1da. Napsal jej toti\u017e m\u016fj bl\u00edzk\u00fd kamar\u00e1d Jarda Dole\u017eal pot\u00e9, co jsem jej nep\u0159est\u00e1vala p\u0159emlouvat a prosit s t\u00edm, \u017ee cestovn\u00ed poji\u0161t\u011bn\u00ed je pro karavanisty d\u016fle\u017eit\u00e9, av\u0161ak mnoho z n\u00e1s o tom nev\u00ed skoro nic a r\u00e1di bychom se v n\u011bm trochu jednodu\u0161eji zorientovali, nebo\u0165 smlouvy jsou pro n\u00e1s \u010dasto slo\u017eit\u00e9. Ne\u017e mi dodal n\u00ed\u017ee uveden\u00fd text, trvalo to skoro t\u0159i m\u011bs\u00edce. V\u00fdsledek v\u0161ak si mysl\u00edm \u017ee stoj\u00ed za to. Alespo\u0148 j\u00e1 u\u017e m\u00e1m malinko v\u00edc jasno. A co vy?<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"743\" src=\"https:\/\/all4camper.com\/\/wp-content\/uploads\/2021\/07\/ambulance-3834247_1280.jpg\" alt=\"\" class=\"wp-image-135232\" srcset=\"https:\/\/all4camper.com\/wp-content\/uploads\/2021\/07\/ambulance-3834247_1280.jpg 1280w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/07\/ambulance-3834247_1280-300x174.jpg 300w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/07\/ambulance-3834247_1280-150x87.jpg 150w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/07\/ambulance-3834247_1280-768x446.jpg 768w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/07\/ambulance-3834247_1280-696x404.jpg 696w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/07\/ambulance-3834247_1280-1068x620.jpg 1068w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/07\/ambulance-3834247_1280-724x420.jpg 724w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/figure>\n\n\n\n<p>Slovo autora: <strong>C\u00edlem <\/strong>tohoto \u010dl\u00e1nku<strong> je v\u00e1m pomoci se<\/strong> zorientovat v&nbsp;t\u00e9to problematice<strong> a upozornit v\u00e1s <\/strong>na\u010d si d\u00e1t pozor tak<strong>, aby v\u00e1s va\u0161e dovolen\u00e1 nep\u0159ivedla do finan\u010dn\u00edch probl\u00e9m\u016f.&nbsp;<\/strong><\/p>\n\n\n\n<p>Nebudu zde porovn\u00e1vat produkty jednotliv\u00fdch poji\u0161\u0165oven, ale chci V\u00e1m pomoci zejm\u00e9na&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>odpov\u011b\u010fmi na z\u00e1kladn\u00ed ot\u00e1zky souvisej\u00edc\u00ed s&nbsp;cestovn\u00edm poji\u0161t\u011bn\u00edm a&nbsp;<\/li><li>informacemi, kter\u00e9 v\u00e1m usnadn\u00ed&nbsp;orientaci v&nbsp;t\u00e9to problematice, a tedy&nbsp;<\/li><li>se sjedn\u00e1n\u00edm cestovn\u00edho poji\u0161t\u011bn\u00ed v&nbsp;rozsahu, kter\u00fd pro va\u0161i cestu pot\u0159ebujete a bude pokr\u00fdvat va\u0161e skute\u010dn\u00e9 po\u017eadavky a pot\u0159eby na poji\u0161t\u011bn\u00ed.&nbsp;<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pro\u010d sjednat cestovn\u00ed poji\u0161t\u011bn\u00ed?<\/strong><\/h2>\n\n\n\n<p>Aby va\u0161e cestov\u00e1n\u00ed prob\u011bhlo bez co nejmen\u0161\u00edch komplikac\u00ed a nepl\u00e1novan\u00fdch finan\u010dn\u00edch v\u00fddaj\u016f v&nbsp;p\u0159\u00edpad\u011b neo\u010dek\u00e1van\u00fdch ud\u00e1lost\u00ed, kter\u00e9 na cest\u00e1ch mohou nastat.&nbsp;Cestovn\u00ed poji\u0161t\u011bn\u00ed kryje akutn\u00ed nemoc, \u00faraz a dal\u0161\u00ed rizika spojen\u00e1 s&nbsp;cestov\u00e1n\u00edm. K&nbsp;v\u00fdznamu p\u0159\u00edvlastku AKUTN\u00cd (nemoc) se je\u0161t\u011b dostaneme d\u00e1le v&nbsp;tomto \u010dl\u00e1nku<strong>.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Z\u00e1kladn\u00ed doporu\u010den\u00ed<\/strong><\/h2>\n\n\n\n<p><strong>Nespol\u00e9hejte se<\/strong> jen na to, \u017ee v\u00e1m n\u011bkdo k&nbsp;va\u0161emu poji\u0161t\u011bn\u00ed d\u00e1 v\u0161echny informace.<\/p>\n\n\n\n<p><strong>P\u0159ipravte se p\u0159edem,<\/strong> p\u0159em\u00fd\u0161lejte o tom, co v\u00e1s m\u016f\u017ee na cest\u00e1ch ohrozit, poji\u0161t\u011bn\u00ed popt\u00e1vejte s&nbsp;konkr\u00e9tn\u00ed p\u0159edstavou, cht\u011bjte pojistit ta pojistn\u00e1 nebezpe\u010d\u00ed, kter\u00e1 pot\u0159ebujete.<\/p>\n\n\n\n<p>Dovoluji si \u00favodem zd\u016fraznit, \u017ee pokud dojde ke \u0161kodn\u00ed ud\u00e1losti, o pojistn\u00e9m pln\u011bn\u00ed <strong>rozhoduje rozsah v\u00e1mi sjednan\u00e9ho poji\u0161t\u011bn\u00ed<\/strong> a nikoli jeho cena. P\u0159i nespr\u00e1vn\u00e9m sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed \u010di jeho nedostate\u010dn\u00e9m rozsahu m\u016f\u017eete b\u00fdt nemile p\u0159ekvapeni t\u00edm, \u017ee v\u00e1m poji\u0161\u0165ovna <strong>\u0161kodn\u00ed<\/strong> ud\u00e1lost <em>(tj. \u0161kodu, kter\u00e1 se stala)<\/em> neuzn\u00e1 za <strong>pojistnou<\/strong> ud\u00e1lost<em> (tj. \u0161kodu, kter\u00e1 je kryta va\u0161\u00edm poji\u0161t\u011bn\u00edm) <\/em>a pojistn\u00e9 pln\u011bn\u00ed v\u00e1m neposkytne.&nbsp;<\/p>\n\n\n\n<p><strong>Nepodce\u0148te <\/strong>nap\u0159. v\u00fd\u0161i n\u00e1klad\u016f na l\u00e9\u010debn\u00e9 v\u00fdlohy, kter\u00e9 se mohou v&nbsp;p\u0159\u00edpad\u011b komplikovan\u011bj\u0161\u00edch akutn\u00edch onemocn\u011bn\u00ed \u010di \u00faraz\u016f opravdu vy\u0161plhat velmi vysoko. Poji\u0161t\u011bn\u00ed sjednejte s dostate\u010dn\u011b vysok\u00fdmi pojistn\u00fdmi limity, odpov\u00eddaj\u00edc\u00edmi pojistn\u00fdmi \u010d\u00e1stkami.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>\u010ct\u011bte pojistn\u00e9 podm\u00ednky a rozhodn\u011b <strong>nezapome\u0148te sezn\u00e1mit se s v\u00fdlukami<\/strong>.<\/li><li>Prostudujte si pe\u010dliv\u011b nab\u00eddky poji\u0161t\u011bn\u00ed.<\/li><li>Kontrolujte d\u016fkladn\u011b sjedn\u00e1van\u00fd rozsah va\u0161eho poji\u0161t\u011bn\u00ed.&nbsp;&nbsp;<\/li><li>Seznamte se s&nbsp;definicemi poji\u0161t\u011bn\u00fdch nebezpe\u010d\u00ed. Co poji\u0161\u0165ovna, to m\u016f\u017ee b\u00fdt jin\u00e1 definice, jin\u00fd rozsah!!!<\/li><li>Zeptejte se a nechte si vysv\u011btlit v\u0161e, co v\u00e1m nen\u00ed jasn\u00e9.<\/li><li>M\u011bjte na pam\u011bti, \u017ee v\u00fd\u0161e pojistn\u00e9ho nen\u00ed na 1. m\u00edst\u011b. N\u00edzk\u00e9 pojistn\u00e9 se v\u00e1m m\u016f\u017ee v&nbsp;p\u0159\u00edpad\u011b \u0161kodn\u00ed ud\u00e1losti hodn\u011b prodra\u017eit.<\/li><li>Nezapome\u0148te, \u017ee z&nbsp;poji\u0161t\u011bn\u00ed v\u00e1m vypl\u00fdvaj\u00ed <strong>nejen PR\u00c1VA, ale tak\u00e9 mnoh\u00e9 POVINNOSTI<\/strong>, v\u011bnujte jim pozornost P\u0158EDEM, proto\u017ee&nbsp;kdy\u017e se v\u00e1m n\u011bco stane, na studium m\u00edt \u010das nebudete.&nbsp;<\/li><\/ul>\n\n\n\n<p><strong>Doporu\u010dujeme oslovit<\/strong> s&nbsp;va\u0161\u00ed popt\u00e1vkou na poji\u0161t\u011bn\u00ed bu\u010f konkr\u00e9tn\u00ed poji\u0161\u0165ovnu \u010di l\u00e9pe <strong>kvalitn\u00edho poji\u0161\u0165ovac\u00edho makl\u00e9\u0159e<\/strong>.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Pro\u010d se obr\u00e1tit s&nbsp;popt\u00e1vkou na poji\u0161\u0165ovac\u00edho makl\u00e9\u0159e?&nbsp;<\/h4>\n\n\n\n<p><em>Proto\u017ee <\/em><strong>poji\u0161\u0165ovac\u00ed makl\u00e9\u0159:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>nen\u00ed z\u00e1visl\u00fd na poji\u0161\u0165ovn\u011b <em>(na rozd\u00edl od obchodn\u00edho z\u00e1stupce \u010di zam\u011bstnance jedn\u00e9 poji\u0161\u0165ovny)<\/em><\/li><li>spolupracuje se v\u0161emi p\u0159edn\u00edmi pojistiteli<\/li><li>m\u00e1 p\u0159ehled o pojistn\u00fdch produktech na trhu<\/li><li>rozum\u00ed a orientuje se v&nbsp;pojistn\u00fdch podm\u00ednk\u00e1ch, a to i od v\u00edce pojistitel\u016f<\/li><li>dok\u00e1\u017ee na z\u00e1klad\u011b <em>anal\u00fdzy va\u0161ich pot\u0159eb a po\u017eadavk\u016f<\/em> na poji\u0161t\u011bn\u00ed p\u0159ipravit a porovnat pro v\u00e1s vhodn\u00e9 nab\u00eddky od v\u00edce vybran\u00fdch pojistitel\u016f, vysv\u011btlit v\u00e1m rozd\u00edly mezi jednotliv\u00fdmi pojistn\u00fdmi produkty konkr\u00e9tn\u00edch poji\u0161\u0165oven a objasnit v\u00e1m jejich v\u00fdhody i nev\u00fdhody, upozorn\u00ed v\u00e1s na d\u016fle\u017eit\u00e9 v\u00fdluky atd., doporu\u010d\u00ed v\u00e1m vhodn\u00e9 poji\u0161t\u011bn\u00ed<\/li><li>m\u016f\u017ee se pro v\u00e1s st\u00e1t postupem \u010dasu takov\u00fdm \u201erodinn\u00fdm l\u00e9ka\u0159em\u201c, kter\u00fd se star\u00e1 o v\u0161echna va\u0161e poji\u0161t\u011bn\u00ed, m\u00e1 o nich p\u0159ehled, v\u017edy se s&nbsp;n\u00edm m\u016f\u017eete poradit, hl\u00edd\u00e1 v\u00e1m term\u00edny, je k&nbsp;dispozici v\u017edy kdy\u017e ho pot\u0159ebujete, a to i v&nbsp;p\u0159\u00edpad\u011b vznikl\u00e9 \u0161kody. Takov\u00fd vztah nevznikne ze dne na den, pot\u0159ebuje oboustrannou d\u016fv\u011bru a buduje se dlouho. Dobr\u00fdm vod\u00edtkem pro v\u00fdb\u011br spolehliv\u00e9ho poji\u0161\u0165ovac\u00edho makl\u00e9\u0159e pro v\u00e1s m\u016f\u017ee b\u00fdt i tady, jako v&nbsp;mnoha dal\u0161\u00edch p\u0159\u00edpadech, doporu\u010den\u00ed a zku\u0161enosti. Ptejte se a hledejte.&nbsp;&nbsp;<\/li><\/ul>\n\n\n\n<p>Samoz\u0159ejm\u011b m\u00e1te mo\u017enost sami nap\u0159\u00edmo oslovit i v\u0161echny v\u00e1mi vybran\u00e9 poji\u0161\u0165ovny a pokusit se o porovn\u00e1n\u00ed produkt\u016f, nab\u00eddek a pojistn\u00fdch podm\u00ednek vlastn\u00edmi silami. \u017de to nen\u00ed tak snadn\u00e9 uvid\u00edte z\u00e1hy.<\/p>\n\n\n\n<p>Zva\u017ete, kter\u00e9 poji\u0161\u0165ovn\u011b d\u016fv\u011b\u0159ujete, se kterou nap\u0159. ji\u017e m\u00e1te dobr\u00e9 zku\u0161enosti p\u0159i pln\u011bn\u00ed za \u0161kodn\u00ed ud\u00e1lost.<\/p>\n\n\n\n<p><strong>Ne\u010dtete pojistn\u00e9 podm\u00ednky? <\/strong>Doporu\u010dujeme: <strong><em>najd\u011bte si na to \u010das<\/em><\/strong>, <strong><em>prostudujte je<\/em><\/strong> pe\u010dliv\u011b a kdy\u017e ni\u010demu jin\u00e9mu, <strong><em>v\u011bnujte pozornost v\u00fdluk\u00e1m a v\u00fdkladu pojm\u016f v\u010d. definic pojistn\u00fdch nebezpe\u010d\u00ed<\/em><\/strong>. Pokud v\u00e1m cokoliv nen\u00ed jasn\u00e9, <strong>nechte si to vysv\u011btlit <em>P\u0158ED <\/em>sjedn\u00e1n\u00edm poji\u0161t\u011bn\u00ed<\/strong>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Co v\u0161e si m\u016f\u017eete cestovn\u00edm poji\u0161t\u011bn\u00edm ochr\u00e1nit?<\/strong><\/h2>\n\n\n\n<p><strong>Nab\u00eddka se <\/strong>u jednotliv\u00fdch poji\u0161\u0165oven<strong> li\u0161\u00ed. <\/strong>Li\u0161\u00ed se i pojistn\u00e9 podm\u00ednky a jak je uvedeno v\u00fd\u0161e tak\u00e9 definice poji\u0161t\u011bn\u00fdch nebezpe\u010d\u00ed, v\u00fdluky atd.&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li><strong>L\u00e9\u010debn\u00e9 v\u00fdlohy <\/strong><em>jsou z\u00e1kladem cestovn\u00edho poji\u0161t\u011bn\u00ed<\/em><\/li><li><strong>Asisten\u010dn\u00ed slu\u017eby<\/strong><\/li><li><strong>\u00darazov\u00e9 poji\u0161t\u011bn\u00ed<\/strong><\/li><li><strong>Odpov\u011bdnost za \u00fajmu<\/strong><\/li><li><strong>Osobn\u00ed v\u011bci a zavazadla<\/strong><\/li><li><strong>Stornopoplatky<\/strong><\/li><li><strong>Zimn\u00ed sporty<\/strong><\/li><li><strong>Rizikov\u00e9 sporty<\/strong><\/li><li><strong>Sportovn\u00ed pot\u0159eby<\/strong><\/li><li><strong>Cesty letadlem<\/strong><\/li><li><strong>Cesty autem<\/strong><\/li><li><strong>Cesty s&nbsp;dom\u00e1c\u00edm mazl\u00ed\u010dkem<\/strong><\/li><li><strong>Manu\u00e1ln\u00ed pr\u00e1ce<\/strong><\/li><li><strong>Nadstandardn\u00ed asistence<\/strong>, <em>nap\u0159. Cyklo asistence \u25cf Dom\u00e1c\u00ed asistence \u25cf Technick\u00e1 asistence k vozidlu<\/em><\/li><li><strong>Poji\u0161t\u011bn\u00ed spolu\u00fa\u010dasti p\u0159i \u0161kod\u011b na pronajat\u00e9m vozidle<\/strong><\/li><li>a dal\u0161\u00ed.<\/li><\/ol>\n\n\n\n<h4 class=\"wp-block-heading\">Cestovn\u00ed poji\u0161t\u011bn\u00ed m\u016f\u017eete obvykle sjednat<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li>na <strong>jednotlivou kr\u00e1tkodobou cestu<\/strong>, nebo na <\/li><li><strong>opakovan\u00e9 v\u00fdjezdy<\/strong> \u010di na <\/li><li><strong>dlouhodob\u00fd pobyt<\/strong> nap\u0159. ro\u010dn\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed<\/li><li><strong>pro jednu \u010di v\u00edce osob<\/strong> v&nbsp;jedn\u00e9 smlouv\u011b, av\u0161ak se stejn\u00fdm rozsahem poji\u0161t\u011bn\u00ed<\/li><li><strong>s&nbsp;\u00fazemn\u00edm rozsahem<\/strong> \u010cR \/ Evropa \/ cel\u00fd sv\u011bt \/ apod.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">A te\u010f bl\u00ed\u017ee k&nbsp;n\u011bkter\u00fdm slo\u017ek\u00e1m cestovn\u00edho poji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n<ol class=\"wp-block-list\"><li><strong>L\u00c9\u010cEBN\u00c9 V\u00ddLOHY<\/strong><\/li><\/ol>\n\n\n\n<p><strong>Jsou z\u00e1kladem<\/strong> cestovn\u00edho poji\u0161t\u011bn\u00ed.&nbsp;<\/p>\n\n\n\n<p>A hned zde jedno <strong>velk\u00e9 POZOR<\/strong>!&nbsp;<\/p>\n\n\n\n<p>Vztahuje se na <strong>l\u00e9\u010debn\u00e9 v\u00fdlohy v&nbsp;souvislosti s&nbsp;\u00farazem \u010di akutn\u00edm onemocn\u011bn\u00edm<\/strong>. V\u0161imn\u011bte si slova <strong>AKUTN\u00cdM<\/strong>. Ve v\u00fdluk\u00e1ch maj\u00ed snad v\u0161echny poji\u0161\u0165ovny &#8211; jen m\u00edrn\u011b odli\u0161n\u00fdmi slovy &#8211; toto <em>(citace z&nbsp;pojistn\u00fdch podm\u00ednek platn\u00fdch k&nbsp;dne\u0161n\u00edmu dni)<\/em>:&nbsp;<\/p>\n\n\n\n<p><strong>POJISTITEL A:<\/strong> \u2013 <strong>Co nen\u00ed poji\u0161t\u011bn\u00e9? \u201e<\/strong><em>Akutn\u00ed onemocn\u011bn\u00ed, <\/em><strong><em>kter\u00e9 bylo zn\u00e1mo p\u0159ed po\u010d\u00e1tkem poji\u0161t\u011bn\u00ed<\/em><\/strong><em>, chronick\u00e9 onemocn\u011bn\u00ed, krom\u011b poskytnut\u00ed prvn\u00ed pomoci<\/em><em> (tj. stabilizace \u017eivot ohro\u017euj\u00edc\u00edho stavu).\u201c<\/em><\/p>\n\n\n\n<p><strong>POJISTITEL B:<\/strong> \u2013 <strong>Poji\u0161t\u011bn\u00ed se<\/strong> <strong>nevztahuje<\/strong><strong> \u201e<\/strong><em>na jak\u00e9koliv \u0161kodn\u00ed ud\u00e1losti a \u00fajmy souvisej\u00edc\u00ed se zdravotn\u00edm stavem, nemoc\u00ed nebo \u00farazem<\/em><em>, <\/em><strong><em>kter\u00fd existoval p\u0159ed uzav\u0159en\u00edm tohoto poji\u0161t\u011bn\u00ed<\/em><\/strong><em> <\/em><em>s v\u00fdjimkou stabilizovan\u00e9ho chronick\u00e9ho onemocn\u011bn\u00ed.\u201c<\/em><\/p>\n\n\n\n<p>P\u0159\u00edklad:<em> <\/em><em>Odj\u00ed\u017ed\u00edte na dovolenou a je u v\u00e1s ji\u017e zn\u00e1m\u00e9 onemocn\u011bn\u00ed v&nbsp;nestabilizovan\u00e9m stavu (a\u0165 ji\u017e t\u0159eba n\u00e1dorov\u00e9 onemocn\u011bn\u00ed, diabetes, r\u016fzn\u00e9 z\u00e1n\u011bty atd.) mohou V\u00e1m b\u00fdt v&nbsp;p\u0159\u00edpad\u011b jeho zhor\u0161en\u00ed uhrazeny z&nbsp;cestovn\u00edho poji\u0161t\u011bn\u00ed pouze n\u00e1klady na stabilizaci \u017eivot ohro\u017euj\u00edc\u00edho stavu, nikoli v\u0161ak n\u00e1klady na dal\u0161\u00ed nezbytnou l\u00e9\u010dbu.&nbsp;<\/em><\/p>\n\n\n\n<p><em>Tak\u017ee opakuji \u2013<\/em><em> <\/em><strong><em>\u010dt\u011bte pojistn\u00e9 podm\u00ednky<\/em><\/strong><em>, <\/em><strong><em>a\u0165 nejste p\u0159ekvapeni, ale p\u0159ipraveni<\/em><\/strong><em>.&nbsp;<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><em>Na va\u0161e<\/em><em> <\/em><em>onemocn\u011bn\u00ed <\/em><strong><em>zn\u00e1m\u00e1 \/ diagnostikovan\u00e1<\/em><\/strong><em> <\/em><strong><em>P\u0158ED<\/em><\/strong><em> uzav\u0159en\u00edm poji\u0161t\u011bn\u00ed <\/em><em>se pojistn\u00e1 ochrana bude vztahovat<\/em><strong><em> <\/em><\/strong><em>pouze v&nbsp;rozsahu stanoven\u00e9m v&nbsp;pojistn\u00fdch podm\u00ednk\u00e1ch.<\/em><\/li><li>V&nbsp;sou\u010dasn\u00e9 dob\u011b<strong> existuje \u0159e\u0161en\u00ed, a to jako<\/strong><strong> p\u0159ipoji\u0161t\u011bn\u00ed pro nestabilizovan\u00e1 chronick\u00e1 onemocn\u011bn\u00ed,<\/strong><strong> <\/strong>je v\u0161ak nab\u00edzeno velmi \u00fazk\u00fdm okruhem pojistitel\u016f a pozor i zde jsou v\u00fdluky a omezen\u00ed.<\/li><\/ul>\n\n\n\n<p>V&nbsp;pojistn\u00fdch podm\u00ednk\u00e1ch se tak\u00e9 v&nbsp;r\u016fzn\u00fdch slovn\u00edch obm\u011bn\u00e1ch uv\u00e1d\u00ed, \u017ee<strong> je povinnost\u00ed poji\u0161t\u011bn\u00e9ho<\/strong><strong>:&nbsp;<\/strong><\/p>\n\n\n\n<p><strong>POJISTITEL A:<\/strong> \u2013 \u201e<strong>db\u00e1t, aby pojistn\u00e1 ud\u00e1lost nenastala<\/strong>, zejm\u00e9na: dodr\u017eovat p\u0159edepsan\u00e1 bezpe\u010dnostn\u00ed opat\u0159en\u00ed dan\u00e9 zem\u011b v\u010detn\u011b pou\u017e\u00edv\u00e1n\u00ed funk\u010dn\u00edch ochrann\u00fdch pom\u016fcek (p\u0159ilba p\u0159i j\u00edzd\u011b na kole, ly\u017e\u00edch a snowboardu, p\u0159ilba a plovac\u00ed vesta p\u0159i vodn\u00edch sportech apod.) atd.\u201c<\/p>\n\n\n\n<p><strong>POJISTITEL B:<\/strong> \u2013 \u201e<strong>u\u010dinit ve\u0161ker\u00e1 opat\u0159en\u00ed<\/strong><strong>, kter\u00e1 lze rozumn\u011b vy\u017eadovat k p\u0159edch\u00e1zen\u00ed vzniku nebo zm\u00edrn\u011bn\u00ed \u00fajmy<\/strong> na z\u00e1klad\u011b kter\u00e9 jste opr\u00e1vn\u011bn\/a uplatnit n\u00e1rok z tohoto <em>poji\u0161t\u011bn\u00ed<\/em>.\u201c<\/p>\n\n\n\n<p><em>Jin\u00fdmi slovy \u2013 poji\u0161\u0165ovny se de facto shoduj\u00ed a <\/em><strong><em>poru\u0161\u00edte-li tuto povinnost <\/em><\/strong><em>nap\u0159. t\u00edm, \u017ee p\u0159i j\u00edzd\u011b na kole \u010di ly\u017e\u00edch nebudete m\u00edt helmu<\/em><em>,<\/em><strong><em> budete m\u00edt probl\u00e9m s&nbsp;pojistn\u00fdm pln\u011bn\u00edm.<\/em><\/strong><\/p>\n\n\n\n<p>L\u00e9\u010debn\u00e9 v\u00fdlohy mohou zahrnovat i n\u00e1klady na akutn\u00ed <strong>zubn\u00ed o\u0161et\u0159en\u00ed<\/strong> <em>(s vlastn\u00edm sublimitem pln\u011bn\u00ed a op\u011bt \u010dt\u011bte podm\u00ednky &#8211; na to bych mohl upozor\u0148ovat za ka\u017ed\u00fdm odstavcem)<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Zvolte si<\/strong> dostate\u010dn\u011b <strong>vysok\u00fd pojistn\u00fd limit<\/strong>.<\/li><li><strong>Nastavte <\/strong>spr\u00e1vn\u00fd <strong>\u00fazemn\u00ed rozsah<\/strong> poji\u0161t\u011bn\u00ed.<\/li><li>Nezapome\u0148te p\u0159i popt\u00e1vce a sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed zv\u00e1\u017eit a uv\u00e9st <strong>v\u0161echny va\u0161e aktivity<\/strong>, kter\u00e9 pl\u00e1nujete na va\u0161\u00ed cest\u011b vykon\u00e1vat.<ul><li>zda se bude jednat o <strong>b\u011b\u017enou turistickou cestu<\/strong>, nebo <strong>pracovn\u00ed pobyt<\/strong><\/li><li>zda se budete krom\u011b <strong>b\u011b\u017en\u00fdch sport\u016f<\/strong> (turistika, plav\u00e1n\u00ed, cykloturistika atd.) v\u011bnovat i <strong>rizikov\u00fdm sport\u016fm, zimn\u00edm sport\u016fm<\/strong>, zda je budete provozovat na <strong>amat\u00e9rsk\u00e9 \u010di profesion\u00e1ln\u00ed \u00farovni<\/strong>. <em>To, co jedna poji\u0161\u0165ovna pojist\u00ed v&nbsp;z\u00e1kladu bez p\u0159ir\u00e1\u017eky, jin\u00e1 poji\u0161\u0165ovna m\u016f\u017ee m\u00edt ve v\u00fdluk\u00e1ch, nebo jako p\u0159ipoji\u0161t\u011bn\u00ed za zvl\u00e1\u0161tn\u00ed sazbu pojistn\u00e9ho. Pro n\u011bkterou poji\u0161\u0165ovnu m\u016f\u017ee b\u00fdt ur\u010dit\u00fd druh sportu nepojistiteln\u00fd a pro jinou ten sam\u00fd provozovan\u00fd na stejn\u00e9 \u00farovni jen rizikov\u00fd a pojistiteln\u00fd s&nbsp;p\u0159ir\u00e1\u017ekou<\/em><\/li><\/ul><\/li><\/ul>\n\n\n\n<p>P\u0159\u00edklad: <em>(citace z&nbsp;aktu\u00e1ln\u00edch pojistn\u00fdch podm\u00ednek 2 poji\u0161\u0165oven)<\/em><\/p>\n\n\n\n<p><strong>POJISTITEL A:<\/strong> bez p\u0159ir\u00e1\u017eky pojist\u00ed v&nbsp;z\u00e1kladu <em>\u201ekajak, k\u00e1noe a rafting st. obt\u00ed\u017enosti WW1, WW2\u201c<\/em><\/p>\n\n\n\n<p><strong>POJISTITEL B:<\/strong> s&nbsp;p\u0159ir\u00e1\u017ekou a pova\u017euje za pojistiteln\u00fd rizikov\u00fd sport<strong> <\/strong><em>\u201esjezd na divok\u00e9 vod\u011b (stupe\u0148 obt\u00ed\u017enosti ZW, WW I, WW II)\u201c&nbsp;<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>p\u0159i pracovn\u00ed cest\u011b m\u016f\u017ee b\u00fdt ve v\u00fdluk\u00e1ch nap\u0159. <strong>manu\u00e1ln\u00ed pr\u00e1ce<\/strong> a je t\u0159eba j\u00ed p\u0159ipojistit.&nbsp;&nbsp;<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">COVID-19<\/h4>\n\n\n\n<p><strong>Aktu\u00e1ln\u011b je d\u016fle\u017eit\u00e9<\/strong> i to, jak se konkr\u00e9tn\u00ed poji\u0161\u0165ovna stav\u00ed nap\u0159. <strong>k l\u00e9\u010debn\u00fdm v\u00fdloh\u00e1m<\/strong> v&nbsp;souvislosti s&nbsp;<strong>COVID-19<\/strong>, <strong>k&nbsp;n\u00e1klad\u016fm p\u0159i povinn\u00e9 karant\u00e9n\u011b<\/strong>, do kter\u00e9 se m\u016f\u017eete dostat v&nbsp;zahrani\u010d\u00ed p\u0159i va\u0161\u00ed cest\u011b.&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"2\"><li><strong>ASISTEN\u010cN\u00cd SLU\u017dBY<\/strong><\/li><\/ol>\n\n\n\n<p>Podle nab\u00eddky konkr\u00e9tn\u00edho pojistitele nap\u0159. zorganizuje o\u0161et\u0159en\u00ed, zajist\u00ed garanci n\u00e1klad\u016f na operaci, hospitalizaci, zorganizuje n\u00e1vrat zp\u011bt do \u010cR. Pom\u016f\u017ee p\u0159i ztr\u00e1t\u011b doklad\u016f a v jin\u00fdch nouzov\u00fdch situac\u00edch. M\u016f\u017ee tak\u00e9 (u\u017e v\u011bt\u0161inou jako roz\u0161\u00ed\u0159en\u00ed poji\u0161t\u011bn\u00ed asisten\u010dn\u00edch slu\u017eeb) nab\u00eddnout poji\u0161t\u011bn\u00ed nap\u0159.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Cyklo<\/strong> asistence \u25cf <strong>Dom\u00e1c\u00ed <\/strong>asistence \u25cf <strong>Technick\u00e9<\/strong> asistence k&nbsp;vozidlu \u25cf a dal\u0161\u00ed<\/li><\/ul>\n\n\n\n<ol class=\"wp-block-list\" start=\"3\"><li><strong>\u00daRAZOV\u00c9 POJI\u0160T\u011aN\u00cd<\/strong><\/li><\/ol>\n\n\n\n<p>Obvykle zahrnuje poji\u0161t\u011bn\u00ed \u25cf smrti \u00farazem \u25cf trval\u00fdch n\u00e1sledk\u016f \u00farazu \u25cf n\u011bkdy denn\u00ed od\u0161kodn\u00e9 za l\u00e9\u010den\u00ed \u25cf p\u0159\u00edp. n\u011bjakou denn\u00ed d\u00e1vku za pobyt v&nbsp;nemocnici.&nbsp;<\/p>\n\n\n\n<p>Toto poji\u0161t\u011bn\u00ed \u00farazu v&nbsp;r\u00e1mci cestovn\u00edho poji\u0161t\u011bn\u00ed je bez oce\u0148ov\u00e1n\u00ed zdravotn\u00edho stavu, takov\u00fd mal\u00fd bonus pro v\u00e1s k&nbsp;tomu, kdy\u017e u\u017e se n\u011bco stane. Ne\u0159e\u0161\u00ed v\u0161ak \u017e\u00e1dn\u00e9 podstatn\u00e9 \u017eivotn\u00ed situace a nelze v&nbsp;n\u011bj vkl\u00e1dat 100% nad\u011bje na z\u00e1chranu, proto byste nem\u011bli spol\u00e9hat JEN na n\u011bj.&nbsp;<\/p>\n\n\n\n<p><strong>\u00darazov\u00e9 poji\u0161t\u011bn\u00ed<\/strong> doporu\u010duji m\u00edt sjednan\u00e9 p\u0159edev\u0161\u00edm MIMO cestovn\u00ed poji\u0161t\u011bn\u00ed, a to jako <strong>samostatn\u00e9 poji\u0161t\u011bn\u00ed \u010di jako sou\u010d\u00e1st \u017eivotn\u00edho poji\u0161t\u011bn\u00ed.<\/strong>&nbsp; Jeho rozsah by m\u011bl vych\u00e1zet z&nbsp;\u0159\u00e1dn\u00e9 anal\u00fdzy pot\u0159eb tak, aby v\u00e1s opravdu pln\u011b zajistilo <strong>ve v\u0161ech<\/strong> p\u0159\u00edpadech, nejen v&nbsp;souvislosti s cestov\u00e1n\u00edm.<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"4\"><li><strong>ODPOV\u011aDNOST ZA \u00daJMU<\/strong><\/li><\/ol>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti za zavin\u011bnou \u00fajmu 3. osob\u011b b\u00fdv\u00e1 rovn\u011b\u017e sou\u010d\u00e1st\u00ed z\u00e1kladn\u00edho rozsahu cestovn\u00edho poji\u0161t\u011bn\u00ed. Velmi <strong>d\u016fle\u017eit\u00fd je<\/strong> zde nejen<strong> <\/strong><strong>limit<\/strong>, ale tak\u00e9 jeho <strong>rozsah<\/strong> podle pojistn\u00fdch podm\u00ednek pojistitele.&nbsp;<\/p>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u00fajmu<strong> <\/strong><strong>by m\u011bl m\u00edt ka\u017ed\u00fd sjednan\u00e9 <\/strong>nikoli pouze na dobu cesty, ale<strong> <\/strong><strong>neust\u00e1le<\/strong><strong>. <\/strong>T\u0159eba jako jednu ze slo\u017eek v&nbsp;poji\u0161t\u011bn\u00ed priv\u00e1tn\u00edho majetku.&nbsp;<\/p>\n\n\n\n<p><em>Pro\u010d?<\/em> <strong>M\u016f\u017ee v\u00e1s toti\u017e ochr\u00e1nit ve chv\u00edl\u00edch, kdy zavin\u00edte \u0161kodu 3. osob\u011b, za takovou \u0161kodu odpov\u00edd\u00e1te a m\u00e1te tedy povinnost \u0161kodu nahradit.&nbsp;<\/strong><\/p>\n\n\n\n<p><em>Pr\u00e1v\u011b v&nbsp;zahrani\u010d\u00ed toti\u017e mohou b\u00fdt n\u00e1roky na n\u00e1hradu \u0161kody uplatn\u011bn\u00e9 po\u0161kozen\u00fdmi v\u00fdrazn\u011b vy\u0161\u0161\u00ed ne\u017e v&nbsp;\u010cR. Odpov\u011bzte si sami na ot\u00e1zku \u201eJak\u00fd bude rozd\u00edl nap\u0159. p\u0159i n\u00e1hrad\u011b u\u0161l\u00e9ho v\u00fdd\u011blku po\u0161kozen\u00e9mu, kter\u00fd pracoval jako l\u00e9ka\u0159 ve \u0160v\u00fdcarsku oproti l\u00e9ka\u0159i pracuj\u00edc\u00edmu v&nbsp;\u010cR?\u201c Asi tu\u0161\u00edte spr\u00e1vn\u011b, \u017ee podstatn\u00fd.&nbsp;&nbsp;<\/em><\/p>\n\n\n\n<p>Nap\u0159.<em> jako cyklista zavin\u00edte dopravn\u00ed nehodu, nebo jako chodec. M\u016f\u017ee doj\u00edt ke zran\u011bn\u00ed, \u00famrt\u00ed, \u0161kod\u011b na v\u011bci, majetku. Jako \u0159idi\u010d na takovou situaci m\u00e1te (m\u011bli byste m\u00edt) \u201epovinn\u00e9 ru\u010den\u00ed\u201c a \u0161kodu uhrad\u00ed poji\u0161\u0165ovna<\/em><strong><em>. Bez poji\u0161t\u011bn\u00ed ob\u010dansk\u00e9 odpov\u011bdnosti za \u0161kodu z&nbsp;b\u011b\u017en\u00e9 \u010dinnosti ve\u0161ker\u00e9 n\u00e1klady zaplat\u00edte sami.<\/em><\/strong><em> S&nbsp;t\u00edmto poji\u0161t\u011bn\u00edm \u2013 poji\u0161\u0165ovna<\/em><strong><em>. Zvolte vysok\u00e9 limity, odpov\u00eddaj\u00edc\u00ed \u00fazemn\u00ed rozsah<\/em><\/strong><em> (\u010cR, Evropa, sv\u011bt). Kolik v\u00e1s to bude st\u00e1t? Toto poji\u0161t\u011bn\u00ed se obvykle vztahuje na v\u0161echny \u010dleny rodiny, nebo dom\u00e1cnosti apod. a s limitem 25,000.000 K\u010d lze sjednat k&nbsp;poji\u0161t\u011bn\u00ed dom\u00e1cnosti \u010di odpov\u011bdnosti s&nbsp;pojistn\u00fdm kolem cca 1.000 K\u010d \/ rok (dle konkr\u00e9tn\u00ed poji\u0161\u0165ovny).<\/em><\/p>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti v&nbsp;cestovn\u00edm poji\u0161t\u011bn\u00ed <strong>m\u016f\u017ee m\u00edt<\/strong> oproti b\u011b\u017en\u00e9mu v\u00fd\u0161e zm\u00edn\u011bn\u00e9mu produktu n\u011bco nav\u00edc a to nap\u0159. <strong>roz\u0161\u00ed\u0159en\u00fd rozsah kryt\u00ed<\/strong> o to, co je u toho b\u011b\u017en\u00e9ho ve v\u00fdluce. <strong>Ale pozor, ka\u017ed\u00e1 poji\u0161\u0165ovna to m\u00e1 jinak.<\/strong>&nbsp;<\/p>\n\n\n\n<p>P\u0159\u00edklad a op\u011bt citace z&nbsp;aktu\u00e1ln\u00edch pojistn\u00fdch podm\u00ednek:&nbsp;<\/p>\n\n\n\n<p><strong>POJISTITEL A:<\/strong> <em>\u201e<\/em><strong><em>Co nen\u00ed poji\u0161t\u011bn\u00e9?<\/em><\/strong><em> Poji\u0161t\u011bn\u00ed odpov\u011bdnosti <\/em><strong><em>se nevztahuje<\/em><\/strong><em> na: \u2026 \u0161kodu nebo jinou \u00fajmu p\u0159\u00edmo \u010di nep\u0159\u00edmo zp\u016fsobenou <\/em><strong><em>&#8211; na v\u011bci<\/em><\/strong><em> (nap\u0159. telefon, fotoapar\u00e1t<\/em><em>), <\/em><strong><em>kterou jste si zap\u016fj\u010dil, vyp\u016fj\u010dil, pronajal<\/em><\/strong><strong><em> <\/em><\/strong><em>(tzn. v\u00fdp\u016fj\u010dka, v\u00fdprosa a n\u00e1jem) nebo kterou u\u017e\u00edv\u00e1te neopr\u00e1vn\u011bn\u011b\u201c.<\/em>&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>POJISTITEL B<\/strong><strong><em>:<\/em><\/strong><em> <\/em><em><\/em><em>\u201ePoji\u0161t\u011bn\u00ed se<\/em><strong><em> sjedn\u00e1v\u00e1 pro p\u0159\u00edpad<\/em><\/strong><em>, \u017ee v pr\u016fb\u011bhu cesty Vy nebo spolucestuj\u00edc\u00ed poji\u0161t\u011bn\u00e1 osoba nahodile <\/em><strong><em>zp\u016fsob\u00edte \u00fajmu<\/em><\/strong><em>, za kterou jste pr\u00e1vn\u011b odpov\u011bdn\u00fd a bude proti V\u00e1m uplatn\u011bn n\u00e1rok na n\u00e1hradu: \u2026 <\/em>\u25cf <em>\u00fajmu <\/em><strong><em>na majetku, <\/em><\/strong><strong><em>jen\u017e nen\u00ed ve Va\u0161em vlastnictv\u00ed<\/em><\/strong><em>, spr\u00e1v\u011b nebo dr\u017eb\u011b nebo ve vlastnictv\u00ed, spr\u00e1v\u011b nebo dr\u017eb\u011b n\u011bkter\u00e9ho z&nbsp;Va\u0161ich rodinn\u00fdch p\u0159\u00edslu\u0161n\u00edk\u016f, zam\u011bstnance nebo zam\u011bstnavatele; <\/em>\u25cf<em> <\/em><strong><em>po\u0161kozen\u00ed nebo zni\u010den\u00ed do\u010dasn\u00e9ho ubytovac\u00edho za\u0159\u00edzen\u00ed, kter\u00e9 V\u00e1m nepat\u0159\u00ed<\/em><\/strong><em> a ani n\u011bkter\u00e9mu z Va\u0161ich rodinn\u00fdch p\u0159\u00edslu\u0161n\u00edk\u016f, zam\u011bstnanci nebo zam\u011bstnavateli.\u201c<\/em><\/p>\n\n\n\n<p>Vid\u00edte ten z\u00e1sadn\u00ed rozd\u00edl?<strong> Co jedna poji\u0161\u0165ovna neuhrad\u00ed, jin\u00e1 ANO.<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"5\"><li><strong>POJI\u0160T\u011aN\u00cd ZAVAZADEL<\/strong><\/li><\/ol>\n\n\n\n<p>Jako v\u0161e dosud zm\u00edn\u011bn\u00e9 i rozsah poji\u0161t\u011bn\u00ed zavazadel je odli\u0161n\u00fd u jednotliv\u00fdch poji\u0161\u0165oven.&nbsp;<\/p>\n\n\n\n<p>Obvykle se vztahuje na \u0161kodu na zavazadlech a\u017e do v\u00fd\u0161e sjednan\u00e9ho limitu pojistn\u00e9ho pln\u011bn\u00ed, kter\u00e1 vznikla b\u011bhem cesty nap\u0159. \u25cf p\u0159i \u017eiveln\u00e9 ud\u00e1losti \u25cf p\u0159i dopravn\u00ed nehod\u011b \u25cf loupe\u017e\u00ed, kr\u00e1de\u017e\u00ed v aut\u011b nebo ubytovac\u00edm za\u0159\u00edzen\u00ed (co\u017e m\u016f\u017ee b\u00fdt dle pojistitel nap\u0159. nejen hotel, penzion, ale tak\u00e9 obytn\u00fd p\u0159\u00edv\u011bs, obytn\u00e1 lo\u010f, \u2026) \u25cf kr\u00e1de\u017e\u00ed v\u011bci vloup\u00e1n\u00edm do prostoru ur\u010den\u00e9ho k ulo\u017een\u00ed poji\u0161t\u011bn\u00fdch v\u011bc\u00ed (\u00faschovna zavazadel, ly\u017e\u00e1rna, kol\u00e1rna apod.) \u25cf po\u0161kozen\u00edm \u010di ztr\u00e1tou b\u011bhem p\u0159epravy, pokud byly \u0159\u00e1dn\u011b odbaven\u00e9 a p\u0159evzat\u00e9 p\u0159epravcem \u25cf atd.&nbsp;<\/p>\n\n\n\n<p>A jak jsem zm\u00ednil, \u010dt\u011bte pe\u010dliv\u011b pojistn\u00e9 podm\u00ednky.&nbsp;<\/p>\n\n\n\n<p>Zase p\u0159\u00edklad odli\u0161n\u00e9ho p\u0159\u00edstupu poji\u0161\u0165oven pro <strong>kr\u00e1de\u017e zavazadel z&nbsp;motorov\u00e9ho vozidla,<\/strong> cituji:&nbsp;<\/p>\n\n\n\n<p>POJISTITEL A: <strong>\u201e<\/strong>Co <strong>je <\/strong>poji\u0161t\u011bn\u00e9<strong>?<\/strong><em> <\/em><strong><em>Nahrad\u00edme V\u00e1m \u0161kodu<\/em><\/strong><em>, kter\u00e1 vznikne na Va\u0161ich zavazadlech zp\u016fsobenou: kr\u00e1de\u017e\u00ed v\u011bci vloup\u00e1n\u00edm do motorov\u00e9ho vozidla nebo uzam\u010den\u00e9ho st\u0159e\u0161n\u00edho boxu\u201c<\/em><\/p>\n\n\n\n<p><strong>\u201e<\/strong>Co<strong> nen\u00ed <\/strong>poji\u0161t\u011bn\u00e9<strong>?<\/strong><em> <\/em><strong><em>Neuhrad\u00edme V\u00e1m \u0161kodu<\/em><\/strong><em> zp\u016fsobenou kr\u00e1de\u017e\u00ed z&nbsp;motorov\u00e9ho vozidla, kter\u00e9 nebylo \u0159\u00e1dn\u011b uzam\u010den\u00e9, nem\u011blo uzav\u0159en\u00e1 v\u0161echna okna nebo pokud byla odcizen\u00e1 v\u011bc v aut\u011b z&nbsp;vn\u011bj\u0161ku viditeln\u00e1.\u201c<\/em><\/p>\n\n\n\n<p><strong>POJISTITEL B:<\/strong> \u201e<strong>Nahrad\u00edme V\u00e1m<\/strong><strong><em> <\/em><\/strong><em>\u0161kodu na zavazadlech a\u017e do v\u00fd\u0161e sjednan\u00e9ho limitu pojistn\u00e9ho pln\u011bn\u00ed, kter\u00e1 vznikla b\u011bhem cesty \u2026\u2026. kr\u00e1de\u017e\u00ed v&nbsp;aut\u011b \u2026. U kr\u00e1de\u017ee mus\u00ed pachatel prokazateln\u011b p\u0159ekonat p\u0159ek\u00e1\u017eky chr\u00e1n\u00edc\u00ed zavazadla v\u011bci p\u0159ed odcizen\u00edm, p\u0159i\u010dem\u017e zavazadla v&nbsp;motorov\u00e9m vozidle, p\u0159\u00edv\u011bsu nebo plavidle nesm\u00ed b\u00fdt um\u00edst\u011bna viditeln\u011b a mus\u00ed b\u00fdt ulo\u017eena v uzam\u010den\u00e9m zavazadlov\u00e9m prostoru.\u201c<\/em><\/p>\n\n\n\n<p><strong>\u201e<\/strong>Poji\u0161t\u011bn\u00ed zavazadel<strong> <\/strong><strong>se nevztahuje<\/strong><em> <\/em><em>na kr\u00e1de\u017e zavazadel na st\u0159e\u0161n\u00edm nosi\u010di vozidla nebo ze zaparkovan\u00e9ho motorov\u00e9ho vozidla, obytn\u00e9ho p\u0159\u00edv\u011bsu \u010di plavidla, <\/em><strong><em>nastala-li \u0161koda mezi 22. hodinou ve\u010dern\u00ed a 6. hodinou rann\u00ed.<\/em><\/strong><strong><em>\u201c<\/em><\/strong><\/p>\n\n\n\n<p><em>Tedy <\/em><em>\u2013 u pojistitele B<\/em><strong><em> zu\u017euj\u00edc\u00ed podm\u00ednka v\u00fdplaty pojistn\u00e9ho pln\u011bn\u00ed<\/em><\/strong><em>, kterou pojistitel A nepo\u017eaduje<\/em><strong><em>.<\/em><\/strong><em> Ten by v&nbsp;tomto p\u0159\u00edpad\u011b <\/em><strong><em>zaplatil i za \u0161kodu vzniklou v&nbsp;no\u010dn\u00ed dob\u011b mezi 22. a 6. hodinou.&nbsp;&nbsp;<\/em><\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"6\"><li><strong>POJI\u0160T\u011aN\u00cd STORNO POPLATK\u016f<\/strong><\/li><\/ol>\n\n\n\n<p>M\u016f\u017eete si <strong>storno pojistit samostatn\u011b<\/strong>, bez poji\u0161t\u011bn\u00ed l\u00e9\u010debn\u00fdch v\u00fdloh. Kryje n\u00e1klady, kter\u00e9 vznikly vy\u00fa\u010dtov\u00e1n\u00edm stornovac\u00edch poplatk\u016f poskytovatelem cestovn\u00ed slu\u017eby z&nbsp;d\u016fvodu zru\u0161en\u00ed cesty.&nbsp;<\/p>\n\n\n\n<p>Pozor na<strong> spolu\u00fa\u010dast<\/strong>, kter\u00e1 se m\u016f\u017ee podstatn\u011b li\u0161it. Jedna poji\u0161\u0165ovna 10 %, jin\u00e1 20 %.<\/p>\n\n\n\n<p>U tohoto poji\u0161t\u011bn\u00ed doporu\u010duji <strong>v\u011bnovat pozornost<\/strong> zejm\u00e9na <strong>detailn\u00ed <\/strong><strong>specifikaci<\/strong> POJI\u0160T\u011aN\u00ddCH <strong>ud\u00e1lost\u00ed<\/strong><strong> <\/strong>(a tak\u00e9 t\u011bch NEPOJI\u0160T\u011aN\u00ddCH, tedy v\u00fdluk) pro kter\u00e9 ke zru\u0161en\u00ed cesty do\u0161lo.&nbsp;<\/p>\n\n\n\n<p><strong>Rozsah se bude velice li\u0161it <\/strong><em>(citace op\u011bt z&nbsp;aktu\u00e1ln\u00edch poj. podm\u00ednek 2 pojistitel\u016f)<\/em><strong>.<\/strong>&nbsp;<\/p>\n\n\n\n<p>\u25cf Akutn\u00ed onemocn\u011bn\u00ed \u010di \u00faraz to bude v\u017edy.&nbsp;<\/p>\n\n\n\n<p><strong>Ale je d\u016fle\u017eit\u00e9, aby se poji\u0161t\u011bn\u00ed vztahovalo<\/strong><strong> i na dal\u0161\u00ed ud\u00e1losti <\/strong>nap\u0159. \u25cf na spolucestuj\u00edc\u00edho a pak by poji\u0161t\u011bn\u00fd musel cestovat s\u00e1m \u25cf \u017eiveln\u00ed ud\u00e1lost v m\u00edst\u011b bydli\u0161t\u011b poji\u0161t\u011bn\u00e9ho \u25cf \u0161kodu na majetku poji\u0161t\u011bn\u00e9ho zp\u016fsoben\u00e1 kr\u00e1de\u017e\u00ed vloup\u00e1n\u00edm v m\u00edst\u011b jeho bydli\u0161t\u011b b\u011bhem alespo\u0148 48 hod. p\u0159ed pl\u00e1novan\u00fdm po\u010d\u00e1tkem cesty \u25cf zme\u0161k\u00e1n\u00ed odjezdu dopravn\u00edho prost\u0159edku z \u010cR do zahrani\u010d\u00ed z&nbsp;d\u016fvodu dopravn\u00ed nehody vozidla \u010di vlaku, j\u00edm\u017e poji\u0161t\u011bn\u00fd cestoval na m\u00edsto ur\u010den\u00e9 k odjezdu atd.<\/p>\n\n\n\n<p>U jin\u00e9 poji\u0161\u0165ovny to mohou b\u00fdt nav\u00edc i<strong> \u201e<\/strong><strong>nadstandardn\u00ed ud\u00e1losti<\/strong><strong>\u201c,<\/strong> nap\u0159.&nbsp;<\/p>\n\n\n\n<p>\u25cf v\u00e1\u017en\u00e1 nemoc, v\u00e1\u017en\u00fd \u00faraz nebo \u00famrt\u00ed mazl\u00ed\u010dka \u25cf va\u0161e p\u0159edvol\u00e1n\u00ed k soudu v p\u0159\u00edpad\u011b pod\u00e1n\u00ed sv\u011bdectv\u00ed (nikoli jako znalce), adopce \u010di osvojen\u00ed d\u00edt\u011bte nebo rozvodov\u00e9ho \u0159\u00edzen\u00ed \u25cf opakov\u00e1n\u00ed univerzitn\u00ed \u010di obdobn\u00e9 zkou\u0161ky V\u00e1mi \u010di poji\u0161t\u011bnou osobou, p\u0159ipadne-li datum t\u00e9to opravn\u00e9 zkou\u0161ky na dobu poji\u0161t\u011bn\u00e9 cesty nebo do obdob\u00ed 7 dn\u016f po pl\u00e1novan\u00e9m n\u00e1vratu \u25cf um\u00edst\u011bn\u00ed do povinn\u00e9 karant\u00e9ny na\u0159\u00edzen\u00e9 hygienikem b\u011bhem 2 t\u00fddn\u016f p\u0159ed pl\u00e1novan\u00fdm odjezdem \u25cf a dal\u0161\u00ed.<\/p>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed <strong>\u201eStorna\u201c<\/strong> v\u0161ak nemus\u00ed kr\u00fdt jen <strong>cestu <\/strong><strong>TAM, ale <\/strong><strong>tak\u00e9 ZP\u011aT<\/strong>, tj. tak\u00e9 m\u016f\u017ee pokr\u00fdvat zv\u00fd\u0161en\u00e9 n\u00e1klady na <strong>p\u0159ed\u010dasn\u00fd n\u00e1vrat<\/strong> z pobytu v&nbsp;zahrani\u010d\u00ed v situaci, kdy nepou\u017eijete p\u016fvodn\u011b pl\u00e1novan\u00fd dopravn\u00ed prost\u0159edek z&nbsp;d\u016fvod\u016f \u2022 \u00famrt\u00ed osoby bl\u00edzk\u00e9 \u2022 akutn\u00ed z\u00e1va\u017en\u00e9 onemocn\u011bn\u00ed nebo \u00faraz osoby bl\u00edzk\u00e9 s&nbsp;nezbytnou hospitalizac\u00ed \u2022 rozs\u00e1hl\u00e1 \u0161koda na Va\u0161em majetku zp\u016fsoben\u00e1 \u017eiveln\u00ed ud\u00e1lost\u00ed nebo trestn\u00fdm \u010dinem atd.<\/p>\n\n\n\n<p>POZOR, neprome\u0161kejte \u010das, kdy je poji\u0161t\u011bn\u00ed storna mo\u017en\u00e9 sjednat. Na rozd\u00edl od poji\u0161t\u011bn\u00ed l\u00e9\u010debn\u00fdch v\u00fdloh, kter\u00e9 m\u016f\u017eete uzav\u0159\u00edt t\u0159eba je\u0161t\u011b jeden den p\u0159ed zah\u00e1jen\u00edm cesty, nen\u00ed toto u poji\u0161t\u011bn\u00ed storna mo\u017en\u00e9. Obvykle to nelze pozd\u011bji ne\u017e ve lh\u016ft\u011b stanoven\u00e9 pojistn\u00fdmi podm\u00ednkami P\u0158ED pl\u00e1novan\u00fdm odjezdem.&nbsp;<\/p>\n\n\n\n<p>P\u0159\u00edklad:&nbsp;<\/p>\n\n\n\n<p><strong>POJISTITEL A<\/strong><strong><em>:<\/em><\/strong><em> <\/em><em>\u201eJe-li cestovn\u00ed slu\u017eba zakoupena <\/em><strong><em>m\u00e9n\u011b ne\u017e 60<\/em><\/strong><em> kalend\u00e1\u0159n\u00edch dn\u00ed p\u0159ed pl\u00e1novan\u00fdm datem odjezdu, <\/em><strong><em>mus\u00ed b\u00fdt poji\u0161t\u011bn\u00ed sjedn\u00e1no a pojistn\u00e9 zaplaceno nejpozd\u011bji n\u00e1sleduj\u00edc\u00ed den po jej\u00edm zakoupen\u00ed<\/em><\/strong><em>, jinak je neplatn\u00e9.\u201c<\/em>&nbsp;<\/p>\n\n\n\n<p><strong>POJISTITEL B:<\/strong> <em>\u201ePoji\u0161t\u011bn\u00ed stornopoplatk\u016f m\u016f\u017ee b\u00fdt sjedn\u00e1no <\/em><strong><em>ode dne z\u00e1vazn\u00e9ho objedn\u00e1n\u00ed cesty a\u017e do dne doplacen\u00ed cesty a nejpozd\u011bji 30 dn\u00ed p\u0159ed.<\/em><\/strong><em> Doporu\u010dujeme V\u00e1m sezn\u00e1mit se se stornovac\u00edmi podm\u00ednkami poskytovatele. Pokud si cestu po\u0159izujete <\/em><strong><em>m\u00e9n\u011b ne\u017e 30 dn\u00ed p\u0159ed odjezdem<\/em><\/strong><em> <\/em><em>(tzv. last minute), pojistit se m\u016f\u017eete, pojistn\u00e9 v\u0161ak mus\u00edte zaplatit <\/em><strong><em>sou\u010dasn\u011b s \u00fahradou cesty<\/em><\/strong><em>.<\/em><\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"7\"><li><strong>Zaj\u00edm\u00e1v\u00e1 roz\u0161\u00ed\u0159en\u00ed v&nbsp;cestovn\u00edm poji\u0161t\u011bn\u00ed<\/strong><\/li><\/ol>\n\n\n\n<p>N\u011bkter\u00e9 poji\u0161\u0165ovny v&nbsp;cestovn\u00edm poji\u0161t\u011bn\u00ed nab\u00edzej\u00ed v\u011bt\u0161inou volitelnou formou n\u011bkter\u00e1 zaj\u00edmav\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed, kter\u00e1 nejsou zcela b\u011b\u017en\u00e1, ale ur\u010dit\u011b mohou p\u0159ij\u00edt velmi vhod.<\/p>\n\n\n\n<p>Jde nap\u0159. o<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Cesty autem<\/strong><ul><li>nap\u0159. jedete-li na cestu <strong>vlastn\u00edm vozidlem<\/strong>, m\u016f\u017eete si do ur\u010dit\u00e9ho limitu sjednat asisten\u010dn\u00ed slu\u017ebu nap\u0159. na odtah vozidla, n\u00e1hradn\u00ed dopravu a ubytov\u00e1n\u00ed v&nbsp;p\u0159\u00edpad\u011b nepoj\u00edzdnosti va\u0161eho vozidla apod.<\/li><li><strong>A NEP\u0158EHL\u00c9DN\u011aTE<\/strong> &#8211; jedete-li v\u0161ak <strong>pronajat\u00fdm vozidlem<\/strong>, pak by pro v\u00e1s mohlo b\u00fdt velmi zaj\u00edmav\u00e9 <strong>p\u0159ipoji\u0161t\u011bn\u00ed SPOLU\u00da\u010cASTI na havarijn\u00edm poji\u0161t\u011bn\u00ed<\/strong>. Kryje dle pojistn\u00fdch podm\u00ednek konkr\u00e9tn\u00edho pojistitele nap\u0159. toto<strong><em>: <\/em><\/strong><em>\u201ePokud v pr\u016fb\u011bhu cesty dojde k po\u0161kozen\u00ed nebo odcizen\u00ed pronajat\u00e9ho vozidla, vyplat\u00edme pojistn\u00e9 pln\u011bn\u00ed ve v\u00fd\u0161i spolu\u00fa\u010dasti, kterou nesete Vy nebo poji\u0161t\u011bn\u00e1 osoba v souladu s n\u00e1jemn\u00ed smlouvou.\u201c<\/em><strong><em> <\/em><\/strong>A to je skv\u011bl\u00e9.&nbsp;<\/li><\/ul><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Cesty s&nbsp;mazl\u00ed\u010dkem, s&nbsp;pejskem, ko\u010di\u010dkou \u2026 <\/strong>&nbsp;\u2013 lze sjednat op\u011bt jako roz\u0161\u00ed\u0159en\u00ed cestovn\u00edho poji\u0161t\u011bn\u00ed a z\u00e1le\u017e\u00ed na nab\u00eddce konkr\u00e9tn\u00ed poji\u0161\u0165ovny,&nbsp;<ul><li>nap\u0159. cituji: <em>\u201epro p\u0159\u00edpad veterin\u00e1rn\u00edch v\u00fdloh a odpov\u011bdnosti za \u00fajmu zp\u016fsobenou mazl\u00ed\u010dkem, kter\u00fd je s V\u00e1mi na cest\u011b a jeho\u017e jste majitelem.\u201c <\/em>&nbsp;Poji\u0161\u0165ovna tak\u00e9 ur\u010duje, na jak\u00e9ho mazl\u00ed\u010dka se poji\u0161t\u011bn\u00ed vztahuje \u201e<em>a) Pojistit lze pouze mazl\u00ed\u010dka, kter\u00fd dos\u00e1hl v\u011bku 3 m\u011bs\u00edc\u016f a mlad\u0161\u00edho 10 let, m\u00e1 platn\u00fd pas v z\u00e1jmov\u00e9m chovu, je identifikov\u00e1n mikro\u010dipem nebo tetov\u00e1n\u00edm, byl o\u010dkov\u00e1n proti vzteklin\u011b v souladu s veterin\u00e1rn\u00edmi p\u0159edpisy, spl\u0148uje dodate\u010dn\u00e9 po\u017eadavky a omezen\u00ed pro vstup ps\u016f a ko\u010dek, na \u00fazem\u00ed st\u00e1tu, p\u0159es kter\u00fd a do kter\u00e9ho cestujete (nap\u0159. o\u0161et\u0159en\u00ed proti parazit\u016fm).\u201c<\/em><\/li><li><strong>Veterin\u00e1rn\u00ed l\u00e9\u010debn\u00e9 v\u00fdlohy &#8211; <\/strong>Pokud b\u011bhem zahrani\u010dn\u00ed cesty V\u00e1\u0161 mazl\u00ed\u010dek n\u00e1hle akutn\u011b onemocn\u00ed \u010di dojde k jeho poran\u011bn\u00ed, d\u00e1le citace o vybran\u00e9 poji\u0161\u0165ovny \u201e<em>uhrad\u00edme V\u00e1m obvykl\u00e9 odpov\u00eddaj\u00edc\u00ed a p\u0159im\u011b\u0159en\u00e9 v\u00fdlohy na l\u00e9\u010den\u00ed \u010di chirurgick\u00fd z\u00e1krok poskytovan\u00fd veterin\u00e1rn\u00edm l\u00e9ka\u0159em, na nutnou veterin\u00e1rn\u00ed l\u00e9\u010debnou p\u00e9\u010di, tj. na p\u00e9\u010di stabilizuj\u00edc\u00ed stav Va\u0161eho mazl\u00ed\u010dka natolik, abyste mohli pokra\u010dovat v cest\u011b nebo se vr\u00e1tit zp\u011bt do \u010cR, do v\u00fd\u0161e sjednan\u00e9ho limitu za:&nbsp;<\/em><ul><li><em>poplatky za n\u00e1v\u0161t\u011bvu veterin\u00e1rn\u00edho l\u00e9ka\u0159e<\/em><em>;<\/em><\/li><li><em>p\u0159edepsan\u00e1 l\u00e9\u010diva<\/em><em>, p\u0159\u00edpravky a obvazov\u00e9 materi\u00e1ly;<\/em><\/li><li><em>hospitalizaci a pou\u017eit\u00ed prost\u0159edk\u016f veterin\u00e1rn\u00ed techniky<\/em><em>;<\/em><\/li><li><em>nezbytn\u00e9 p\u0159im\u011b\u0159en\u00e9 veterin\u00e1rn\u00ed v\u00fdlohy spojen\u00e9 s \u00fahynem \u010di nutn\u00fdm utracen\u00edm mazl\u00ed\u010dka.\u201c <\/em>Konec citace.<\/li><\/ul><\/li><li><strong>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u00fajmu<\/strong> kryje <em>\u00fajmu zp\u016fsobenou poji\u0161t\u011bn\u00fdm mazl\u00ed\u010dkem jin\u00e9 osob\u011b a to ubl\u00ed\u017een\u00edm na zdrav\u00ed nebo usmrcen\u00edm, zni\u010den\u00edm \u010di po\u0161kozen\u00edm hmotn\u00e9 v\u011bci.<\/em><\/li><\/ul><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>P\u00e1r slov z\u00e1v\u011brem a n\u011bco o mn\u011b<\/strong><\/h2>\n\n\n\n<p>Jsem jedn\u00edm z&nbsp;v\u00e1s, karavanista a profes\u00ed ji\u017e mnoho let \u201epoji\u0161\u0165ov\u00e1k\u201c. V&nbsp;r. 2020 jsem slo\u017eil u \u010cesk\u00e9 asociace poji\u0161\u0165oven odbornou zkou\u0161ku na nejvy\u0161\u0161\u00ed IX. stupe\u0148 dle z\u00e1kona \u010d. 170\/2018 Sb. O distribuci a zaji\u0161t\u011bn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<p><strong>Insia Garant s.r.o. <\/strong>je \u010dlenem<strong> Asociace kempov\u00e1n\u00ed a karavaningu.<\/strong>&nbsp;<\/p>\n\n\n\n<p><strong>Kl\u00e1ra H\u00e1jek Velinsk\u00e1<\/strong> m\u011b po\u017e\u00e1dala o naps\u00e1n\u00ed \u010dl\u00e1nku na toto t\u00e9ma. <strong>Budu r\u00e1d, pokud v\u00e1m \u010dl\u00e1nek alespo\u0148 trochu pom\u016f\u017ee p\u0159i va\u0161em rozhodov\u00e1n\u00ed se o vhodn\u00e9m poji\u0161t\u011bn\u00ed a jeho rozsahu.&nbsp;<\/strong><\/p>\n\n\n\n<p>C\u00edlem tohoto \u010dl\u00e1nku nebylo a zodpov\u011bdn\u011b ani nemohlo b\u00fdt doporu\u010den\u00ed konkr\u00e9tn\u00edho pojistn\u00e9ho produktu od konkr\u00e9tn\u00edho pojistitele. 1. se produkty a jejich pojistn\u00e9 podm\u00ednky velmi dynamicky m\u011bn\u00ed. 2. a to p\u0159edev\u0161\u00edm, je t\u0159eba v\u017edy vych\u00e1zet z&nbsp;va\u0161ich konkr\u00e9tn\u00edch podm\u00ednek, pot\u0159eb i po\u017eadavk\u016f, a pr\u00e1v\u011b podle nich hledat, naj\u00edt a zvolit to nejvhodn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<p><strong>Cht\u011bl jsem v\u00e1m problematiku cestovn\u00edho poji\u0161t\u011bn\u00ed p\u0159edev\u0161\u00edm p\u0159ibl\u00ed\u017eit, pomoci s&nbsp;orientac\u00ed<\/strong> a v\u00edm, \u017ee nebylo mo\u017en\u00e9 zodpov\u011bd\u011bt v\u0161echny ot\u00e1zky, kter\u00e9 v\u00e1s jist\u011b je\u0161t\u011b napadnou.&nbsp;<\/p>\n\n\n\n<p>Ale i to je pr\u00e1ce poji\u0161\u0165ovac\u00edho zprost\u0159edkovatele a budete-li pot\u0159ebovat a cht\u00edt, m\u016f\u017eete se na m\u011b \/ n\u00e1s obr\u00e1tit s&nbsp;va\u0161imi dotazy, pot\u0159ebou rady i pomoci.&nbsp;<\/p>\n\n\n\n<p>Jsme tu pro v\u00e1s v&nbsp;cel\u00e9 \u0161\u00ed\u0159i na\u0161eho oboru POJI\u0160T\u011aN\u00cd. Nejen \u25cf poji\u0161t\u011bn\u00ed obytn\u00fdch vozidel a karavan\u016f a s&nbsp;cestov\u00e1n\u00edm souvisej\u00edc\u00ed \u25cf cestovn\u00ed poji\u0161t\u011bn\u00ed, ale tak\u00e9 \u25cf poji\u0161t\u011bn\u00ed v\u0161ech vozidel v\u010d. flotil \u25cf poji\u0161t\u011bn\u00ed priv\u00e1tn\u00edho majetku a \u25cf odpov\u011bdnosti \u25cf \u017eivotn\u00ed a \u00farazov\u00e9 poji\u0161t\u011bn\u00ed osob \u25cf poji\u0161t\u011bn\u00ed podnikatelsk\u00fdch rizik v\u010d. \u25cf odpov\u011bdnost\u00ed profesn\u00edch \u25cf poji\u0161t\u011bn\u00ed plavidel \u010di \u25cf dom\u00e1c\u00edch mazl\u00ed\u010dk\u016f \u25cf atd.&nbsp;<\/p>\n\n\n\n<p>To je na\u0161e ka\u017edodenn\u00ed pr\u00e1ce ji\u017e mnoho let.<\/p>\n\n\n\n<p>Pokud jste do\u010detli a\u017e sem, budu r\u00e1d za v\u00e1\u0161 n\u00e1zor \u010di koment\u00e1\u0159 k&nbsp;tomuto \u010dl\u00e1nku, nap\u0159. na na\u0161em FB <a href=\"https:\/\/www.facebook.com\/InsiaGarant\" target=\"_blank\" rel=\"noreferrer noopener\">facebook.com\/InsiaGarant<\/a> \u010di e-mailem <a href=\"mailto:InsiaGarant@insia.com\" target=\"_blank\" rel=\"noreferrer noopener\">InsiaGarant@insia.com<\/a>&nbsp;<\/p>\n\n\n\n<p>D\u011bkuji, Jaroslav Daniel Dole\u017eal<\/p>\n\n\n\n<p>Ur\u010dit\u011b si tak\u00e9 p\u0159e\u010dt\u011bte \u010dl\u00e1nek <a href=\"\/cs?p=90204\" target=\"_blank\" rel=\"noreferrer noopener\">Co v\u0161e si ohl\u00eddat pro spr\u00e1vn\u00e9 poji\u0161t\u011bn\u00ed obytn\u00e9ho vozidla \u010di karavanu<\/a><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1300\" height=\"731\" src=\"https:\/\/all4camper.com\/\/wp-content\/uploads\/2021\/02\/Jaroslav-pojis\u030ct\u030cova\u0301ni\u0301-karavanu\u030a.jpg\" alt=\"\" class=\"wp-image-90239\" srcset=\"https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/Jaroslav-pojis\u030ct\u030cova\u0301ni\u0301-karavanu\u030a.jpg 1300w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/Jaroslav-pojis\u030ct\u030cova\u0301ni\u0301-karavanu\u030a-300x169.jpg 300w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/Jaroslav-pojis\u030ct\u030cova\u0301ni\u0301-karavanu\u030a-150x84.jpg 150w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/Jaroslav-pojis\u030ct\u030cova\u0301ni\u0301-karavanu\u030a-768x432.jpg 768w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/Jaroslav-pojis\u030ct\u030cova\u0301ni\u0301-karavanu\u030a-678x381.jpg 678w\" sizes=\"auto, (max-width: 1300px) 100vw, 1300px\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Pro n\u011bkter\u00e9 z v\u00e1s bude mo\u017en\u00e1 tento \u010dl\u00e1nek p\u0159\u00edli\u0161 dlouh\u00fd nebo v\u00e1m p\u0159ijde nudn\u00fd. V\u011b\u0159te v\u0161ak, \u017ee jsem za n\u011bj neuv\u011b\u0159iteln\u011b moc r\u00e1da. Napsal jej toti\u017e m\u016fj bl\u00edzk\u00fd kamar\u00e1d Jarda Dole\u017eal pot\u00e9, co jsem jej nep\u0159est\u00e1vala p\u0159emlouvat a prosit s t\u00edm, \u017ee cestovn\u00ed poji\u0161t\u011bn\u00ed je pro karavanisty d\u016fle\u017eit\u00e9, av\u0161ak mnoho z n\u00e1s o tom nev\u00ed [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":135235,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[11194,422,8209],"tags":[11701,226,366,8122],"class_list":{"0":"post-135227","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-karavaning","8":"category-novinky-kempovani-a-karavaning","9":"category-rady-tipy-informace","10":"tag-pojisteni","11":"tag-rady-a-tipy","12":"tag-zakladni-informace","13":"tag-karavaning"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>D\u016fle\u017eit\u00e9, \u010dt\u011bte. Na co si d\u00e1t pozor u cestovn\u00edho poji\u0161t\u011bn\u00ed - All4Camper<\/title>\n<meta name=\"description\" content=\"C\u00edlem tohoto \u010dl\u00e1nku je v\u00e1m pomoci se zorientovat v t\u00e9to problematice a upozornit v\u00e1s na\u010d si d\u00e1t pozor tak, aby v\u00e1s va\u0161e dovolen\u00e1 nep\u0159ivedla do finan\u010dn\u00edch probl\u00e9m\u016f.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/all4camper.com\/cs\/dulezite-ctete-na-co-si-dat-pozor-u-cestovniho-pojisteni\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"D\u016fle\u017eit\u00e9, \u010dt\u011bte. 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