{"id":90204,"date":"2021-10-12T09:32:00","date_gmt":"2021-10-12T07:32:00","guid":{"rendered":"https:\/\/all4camper.com\/\/?p=90204"},"modified":"2022-12-13T14:45:18","modified_gmt":"2022-12-13T13:45:18","slug":"co-vse-si-ohlidat-pro-spravne-pojisteni-obytneho-vozidla-ci-karavanu","status":"publish","type":"post","link":"https:\/\/all4camper.com\/cs\/co-vse-si-ohlidat-pro-spravne-pojisteni-obytneho-vozidla-ci-karavanu\/","title":{"rendered":"Co v\u0161e si ohl\u00eddat pro spr\u00e1vn\u00e9 poji\u0161t\u011bn\u00ed obytn\u00e9ho vozidla \u010di karavanu"},"content":{"rendered":"\n<p>Pro dne\u0161n\u00ed \u010dl\u00e1nek jsem se rozhodla pot\u00e9, co ji\u017e opravdu dlouhou dobu pozoruji na karavanistick\u00fdch f\u00f3rech ot\u00e1zky spojen\u00e9 s poji\u0161t\u011bn\u00edm. No a proto\u017ee m\u016fj kamar\u00e1d, karavanista Jaroslav, je opravdu profesion\u00e1l ve sv\u00e9m oboru a v\u017edy mi dok\u00e1zal dob\u0159e poradit, po\u017e\u00e1dala jsem jej o seps\u00e1n\u00ed z\u00e1kladn\u00edho souhrnu informac\u00ed (a ot\u00e1zek na kter\u00e9 je t\u0159eba si odpov\u011bd\u011bt), kter\u00e9 se v\u00e1m ur\u010dit\u011b hod\u00ed a budete je tady u m\u011b na str\u00e1nk\u00e1ch moci kdykoliv naj\u00edt. T\u00edmto Jardovi je\u0161t\u011b jednou d\u011bkuji.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"600\" src=\"https:\/\/all4camper.com\/\/wp-content\/uploads\/2021\/02\/nehoda-karavan-2.jpg\" alt=\"\" class=\"wp-image-90207\" srcset=\"https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/nehoda-karavan-2.jpg 900w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/nehoda-karavan-2-300x200.jpg 300w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/nehoda-karavan-2-150x100.jpg 150w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/nehoda-karavan-2-768x512.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><figcaption>Zdroj: Pinterest<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Z\u00e1kladn\u00ed doporu\u010den\u00ed<\/h3>\n\n\n\n<p><strong>Nespol\u00e9hejte se <\/strong>jen na to, \u017ee v\u00e1m n\u011bkdo k va\u0161emu poji\u0161t\u011bn\u00ed d\u00e1 v\u0161echny informace. <strong>P\u0159ipravte se p\u0159edem <\/strong>a poji\u0161t\u011bn\u00ed popt\u00e1vejte s konkr\u00e9tn\u00ed p\u0159edstavou. <\/p>\n\n\n\n<p>Dovoluji si \u00favodem zd\u016fraznit, \u017ee pokud dojde ke \u0161kodn\u00ed ud\u00e1losti, tj. vznikla v\u00e1m \u0161koda, 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 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.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>\u010ct\u011bte <\/strong>pojistn\u00e9 podm\u00ednky.<\/li><li><strong>Prostudujte <\/strong>si pe\u010dliv\u011b nab\u00eddky poji\u0161t\u011bn\u00ed.<\/li><li><strong>Kontrolujte <\/strong>d\u016fkladn\u011b sjedn\u00e1van\u00fd rozsah va\u0161eho poji\u0161t\u011bn\u00ed.<\/li><li><strong>Zeptejte se <\/strong>a nechte si vysv\u011btlit v\u0161e, co v\u00e1m nen\u00ed jasn\u00e9.<\/li><li><strong>M\u011bjte na pam\u011bti<\/strong>, \u017ee v\u00fd\u0161e pojistn\u00e9ho nen\u00ed na 1. m\u00edst\u011b. N\u00edzk\u00e9 pojistn\u00e9 se v\u00e1m m\u016f\u017ee hodn\u011b prodra\u017eit. <strong>Chceme v\u00e1m pomoci <\/strong>v tomto \u010dl\u00e1nku alespo\u0148 odpov\u011b\u010fmi na z\u00e1kladn\u00ed ot\u00e1zky a informacemi, kter\u00e9 v\u00e1m usnadn\u00ed orientaci v problematice poji\u0161t\u011bn\u00ed a pot\u00e9 i p\u0159\u00edpravu poji\u0161t\u011bn\u00ed va\u0161eho obytn\u00e9ho automobilu \u010di karavanu.<\/li><li><strong>Doporu\u010dujeme oslovit <\/strong>s va\u0161\u00ed popt\u00e1vkou na poji\u0161t\u011bn\u00ed nikoli konkr\u00e9tn\u00ed poji\u0161\u0165ovnu, ale <strong>kvalitn\u00edho poji\u0161\u0165ovac\u00edho makl\u00e9\u0159e<\/strong>. <em>Pro\u010d? Proto\u017ee <\/em><strong>poji\u0161\u0165ovac\u00ed makl\u00e9\u0159:<\/strong><ul><li><strong>nen\u00ed z\u00e1visl\u00fd na poji\u0161\u0165ovn\u011b <\/strong><em>(na rozd\u00edl od obchodn\u00edho z\u00e1stupce \u010di zam\u011bstnance jedn\u00e9 poji\u0161\u0165ovny)<\/em>,<\/li><li><strong>spolupracuje <\/strong>se v\u0161emi p\u0159edn\u00edmi pojistiteli,<\/li><li><strong>m\u00e1 p\u0159ehled <\/strong>o pojistn\u00fdch produktech na trhu,<\/li><li><strong>rozum\u00ed<\/strong> pojistn\u00fdm podm\u00ednk\u00e1m,<\/li><li><strong>dok\u00e1\u017ee <\/strong>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. a doporu\u010d\u00ed v\u00e1m vhodn\u00e9 poji\u0161t\u011bn\u00ed,<\/li><li><strong>m\u016f\u017ee <\/strong>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 n\u00edm m\u016f\u017eete poradit, hl\u00edd\u00e1 v\u00e1m term\u00edny, je k dispozici v\u017edy kdy\u017e ho pot\u0159ebujete, a to i v 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 mnoha dal\u0161\u00edch p\u0159\u00edpadech, doporu\u010den\u00ed a zku\u0161enosti. Ptejte se a hledejte.<\/li><\/ul><\/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. 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. M\u016f\u017ee b\u00fdt vhodn\u00e9 m\u00edt v\u0161echna sv\u00e1 poji\u0161t\u011bn\u00ed sdru\u017een\u00e1 u jednoho, dvou pojistitel\u016f. Za tzv. \u201epropoji\u0161t\u011bnost\u201c nab\u00edz\u00ed dobr\u00e9 poji\u0161\u0165ovny zvl\u00e1\u0161tn\u00ed slevu <em>(nap\u0159. poji\u0161t\u011bn\u00ed majetku, vozidla, \u017eivotn\u00ed), <\/em>nav\u00edc va\u0161e pozice \u201edobr\u00e9ho klienta\u201c m\u016f\u017ee b\u00fdt v n\u011bkter\u00fdch nestandardn\u00edch p\u0159\u00edpadech v\u00fdznamn\u00e1.<\/p>\n\n\n\n<p><strong>Ne\u010dtete pojistn\u00e9 podm\u00ednky? <\/strong>Doporu\u010dujeme <strong><em>naj\u00edt si na to \u010das<\/em><\/strong> <strong><em>a<\/em><\/strong> <strong><em>prostudovat je <\/em><\/strong>pe\u010dliv\u011b. A kdy\u017e nic jin\u00e9ho, <strong><em>v\u011bnujte alespo\u0148 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>. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Odpov\u011bzte si na ot\u00e1zku &#8222;co chcete sjednat a jak&#8220; <\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Poji\u0161t\u011bn\u00ed odpov\u011bdnosti z provozu vozidla <em>(POVINN\u00c9 RU\u010cEN\u00cd)<\/em> <\/h4>\n\n\n\n<p>Je zbyte\u010dn\u00e9 porovn\u00e1vat kolik plat\u00ed za poji\u0161t\u011bn\u00ed nap\u0159. kamar\u00e1d, pokud nem\u00e1te shodn\u00e9 V\u0160ECHNY vstupn\u00ed parametry <em>(rozsah poji\u0161t\u011bn\u00ed, limity pln\u011bn\u00ed, hodnotu vozidla, jeho zna\u010dka, spolu\u00fa\u010dasti, vlastnictv\u00ed na R\u010c \u010di I\u010c, bydli\u0161t\u011b mal\u00e9 \/ velk\u00e9 m\u011bsto \/ obec, bonusy atd. Ve v\u00fdpo\u010dtu pojistn\u00e9ho se m\u016f\u017ee prom\u00edtnout i 20 r\u016fzn\u00fdch parametr\u016f). <\/em>Najd\u011bte nejvhodn\u011bj\u0161\u00ed \u0159e\u0161en\u00ed pr\u00e1v\u011b pro v\u00e1s.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Zvolte pojistn\u00fd limit <em>(zva\u017ete, zda jezd\u00edte i v zahrani\u010d\u00ed, kde n\u00e1hrady za \u00fajmy na \u017eivot\u011b a zdrav\u00ed mohou b\u00fdt velmi vysok\u00e9 a rozd\u00edl v pojistn\u00e9m je mal\u00fd). <\/em>Pro va\u0161i bezpe\u010dnost doporu\u010dujeme sjednat <strong>VY\u0160\u0160\u00cd pojistn\u00fd limit<\/strong>.<\/li><li>Pou\u017e\u00edv\u00e1te vozidlo pouze v n\u011bkter\u00fdch m\u011bs\u00edc\u00edch a v jin\u00fdch je pouze zaparkovan\u00e9? Nap\u0159. motocykl, karavan, obytn\u00e9 vozidlo? <strong>Pak pro v\u00e1s m\u016f\u017ee b\u00fdt v\u00fdhodn\u00e9 tzv. sez\u00f3nn\u00ed poji\u0161t\u011bn\u00ed<\/strong>, a to lze uplatnit nejen na povinn\u00e9 ru\u010den\u00ed, ale i na havarijn\u00ed poji\u0161t\u011bn\u00ed. Sez\u00f3nn\u00ed poji\u0161t\u011bn\u00ed je platn\u00e9 po cel\u00fd rok s t\u00edm, \u017ee ve v\u00e1mi vybran\u00fdch m\u011bs\u00edc\u00edch (nap\u0159. zimn\u00edch), kdy vozidlo nepou\u017e\u00edv\u00e1te, je v\u00fdrazn\u011b zv\u00fd\u0161en\u00e1 spolu\u00fa\u010dast na p\u0159\u00edpadn\u00e9 \u0161kod\u011b, co\u017e v\u00e1m v\u0161ak nap\u0159. pro nebezpe\u010d\u00ed hav\u00e1rie nevad\u00ed, pokud s vozidlem opravdu nejezd\u00edte. Za to v\u00e1m poji\u0161\u0165ovna poskytne slevu na pojistn\u00e9m a vy nemus\u00edte registra\u010dn\u00ed zna\u010dky ukl\u00e1dat do depozitu abyste va\u0161e poji\u0161t\u011bn\u00ed p\u0159eru\u0161ili.<\/li><li><strong>Pozor na bonusy.<\/strong> Z pohledu bonusu ji\u017e nen\u00ed v\u00fdznamn\u00e9, kdo bude na pojistn\u00e9 smlouv\u011b Pojistn\u00edk (tj. osoba, kter\u00e1 poji\u0161t\u011bn\u00ed sjedn\u00e1v\u00e1, podepisuje smlouvu, m\u00e1 k n\u00ed pr\u00e1va a povinnosti), <strong>ale kdo je Poji\u0161t\u011bn\u00fdm<\/strong> (tj. je vlastn\u00edkem vozidla). Ji\u017e v\u00e1m nepom\u016f\u017ee, jako vlastn\u00edkovi vozidla, sjednat poji\u0161t\u011bn\u00ed na d\u011bde\u010dka, kter\u00fd m\u00e1 pln\u00e9 bonusy, kdy\u017e vy sami je nem\u00e1te. Bonusy se \u201eberou\u201c od vlastn\u00edka &#8211; od Poji\u0161t\u011bn\u00e9ho. A je\u0161t\u011b pozor \u2013 bonusy se p\u0159ev\u00e1d\u00ed pouze mezi stejn\u00fdm typem vozidla. Tj. m\u00e1te 180 m\u011bs\u00edc\u016f z os. vozidla a koupili jste si v\u00e1\u0161 1. karavan? Bonusy z auta se v\u00e1m na n\u011bj nep\u0159evedou. Nespekulujte tedy zbyte\u010dn\u011b. Sv\u016fj bonus si mus\u00edte vyjezdit sami. N\u011bkter\u00e9 poji\u0161\u0165ovny je\u0161t\u011b umo\u017en\u00ed slou\u010dit bonusy nap\u0159. mezi osobou na R\u010c a tou samou osobou podnikaj\u00edc\u00ed jako FO. A co v\u00edc &#8211; je-li Pojistn\u00edk a Poji\u0161t\u011bn\u00fd v pojistn\u00e9 smlouv\u011b shodn\u00fd, m\u016f\u017ee za to b\u00fdt i sleva na pojistn\u00e9m.<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"711\" height=\"534\" src=\"https:\/\/all4camper.com\/\/wp-content\/uploads\/2021\/02\/pojis\u030cte\u030cni\u0301-karavanu.jpg\" alt=\"\" class=\"wp-image-90211\" srcset=\"https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/pojis\u030cte\u030cni\u0301-karavanu.jpg 711w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/pojis\u030cte\u030cni\u0301-karavanu-300x225.jpg 300w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/pojis\u030cte\u030cni\u0301-karavanu-150x113.jpg 150w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/pojis\u030cte\u030cni\u0301-karavanu-678x509.jpg 678w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/pojis\u030cte\u030cni\u0301-karavanu-326x245.jpg 326w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/pojis\u030cte\u030cni\u0301-karavanu-80x60.jpg 80w\" sizes=\"auto, (max-width: 711px) 100vw, 711px\" \/><figcaption>Zdroj: Facebook<\/figcaption><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">Havarijn\u00ed poji\u0161t\u011bn\u00ed (KASKO)<\/h4>\n\n\n\n<p>Po\u017eadujete poji\u0161t\u011bn\u00ed tzv. all-risk <em>(hav\u00e1rie, \u017eivel, odcizen\u00ed, vandalizmus)<\/em>, nebo nap\u0159. jen poji\u0161t\u011bn\u00ed BEZ hav\u00e1rie na \u017eivel a odcizen\u00ed, kter\u00e9 je samoz\u0159ejm\u011b levn\u011bj\u0161\u00ed?<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Je t\u0159eba spr\u00e1vn\u011b stanovit pojistnou hodnotu obytn\u00e9ho vozidla \u010di p\u0159\u00edv\u011bsu. Nezapome\u0148te, \u017ee <strong>pokud je vlastn\u00edkem vozidla firma, a ta je pl\u00e1tcem DPH, cena se pro poji\u0161t\u011bn\u00ed stanovuje bez DPH<\/strong>. Jinak byste se zbyte\u010dn\u011b \u0161idili. U nov\u00fdch vozidel dolo\u017ete poji\u0161\u0165ovn\u011b fakturu s v\u00fdbavou vozidla a u star\u0161\u00edch to doporu\u010dujeme p\u0159ilo\u017eit minim\u00e1ln\u011b fotodokumentaci, a\u0165 je zcela z\u0159ejm\u00e9, co je sou\u010d\u00e1st\u00ed a v\u00fdbavou karavanu v dob\u011b sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed a co v\u0161e zahrnuje pojistn\u00e1 hodnota.<\/li><li>Je t\u0159eba se ujistit o tom, co v\u0161e je havarijn\u00edm poji\u0161t\u011bn\u00edm kryt\u00e9. Mark\u00fdza? Klimatizace? Zabudovan\u00fd n\u00e1bytek, lednice, spor\u00e1k, satelitn\u00ed ant\u00e9na atd.?<\/li><li>Jak\u00e9 m\u00e1 va\u0161e vozidlo zabezpe\u010den\u00ed proti jeho odcizen\u00ed <em>(p\u00edskov\u00e1n\u00ed k\u00f3du na v\u0161ech sklech, zamyk\u00e1n\u00ed \u0159adic\u00ed p\u00e1ky, satelitn\u00ed vyhled\u00e1v\u00e1n\u00ed)<\/em>? <strong>N\u011bkter\u00e9 poji\u0161\u0165ovny nadstandardn\u00ed zabezpe\u010den\u00ed zohledn\u00ed slevou na pojistn\u00e9m<\/strong> <em>(nap\u0159. za aktivn\u00ed satelitn\u00ed zabezpe\u010den\u00ed \u2013 mimochodem nemus\u00ed to b\u00fdt tak drah\u00e9, jak by se mohlo zd\u00e1t. Dobr\u00fd alarm s GPS a napojen\u00edm na PCO (pult centralizovan\u00e9 ochrany) <\/em>se d\u00e1 po\u0159\u00eddit za cca 9.000 K\u010d s DPH a napojen\u00ed na PCO s aktivn\u00edm st\u0159e\u017een\u00edm 24 h denn\u011b za +\/- 350 K\u010d\/m\u011bs\u00edc s DPH.<\/li><li>Jakou si p\u0159ejete sjednat spolu\u00fa\u010dast p\u0159i \u0161kod\u011b? V\u011bt\u0161inou je nab\u00edzena kombinace v % s minim\u00e1ln\u00ed spolu\u00fa\u010dast\u00ed v K\u010d (nap\u0159\u00edklad 5 %, s minim\u00e1ln\u011b 5.000 K\u010d). N\u011bkter\u00e9 poji\u0161\u0165ovny v\u0161ak maj\u00ed i fixn\u00ed spolu\u00fa\u010dasti v K\u010d (nap\u0159\u00edklad 5.000 \/ 10.000 K\u010d), co\u017e zvl\u00e1\u0161\u0165 u nov\u00fdch a dra\u017e\u0161\u00edch vozidel je podstatn\u00fd rozd\u00edl. P\u0159i odcizen\u00ed obyt\u0148\u00e1ku za 1.500.000 K\u010d by p\u0159i spolu\u00fa\u010dasti 10 % a minimu 10.000 K\u010d klient ze sv\u00e9ho zaplatil 150.000 K\u010d. P\u0159i spolu\u00fa\u010dasti fix. jen 10.000 K\u010d.<\/li><li>Budete v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti vozidlo opravovat ve smluvn\u00edm servisu pojistitele nebo u jak\u00e9hokoliv jin\u00e9ho nesmluvn\u00edho \u201egar\u00e1\u017eov\u00e9ho\u201c servisu \u010di d\u00e1te rad\u011bji p\u0159ednost pojistn\u00e9mu pln\u011bn\u00ed rozpo\u010dtem? To je velmi d\u016fle\u017eit\u00e9.<\/li><li>Pokud by do\u0161lo k pojistn\u00e9 ud\u00e1losti v zahrani\u010d\u00ed a vozidlo by bylo i v zahrani\u010d\u00ed opravov\u00e1no <em>(nap\u0159. men\u0161\u00ed \u0161koda v \u0159\u00e1du p\u00e1r des\u00edtek tis\u00edc K\u010d, opraviteln\u00e1 v zahrani\u010d\u00ed \u2013 vy byste nemuseli p\u0159eru\u0161it dovolenou, z asisten\u010dn\u00edch slu\u017eeb by v\u00e1m mohlo zaplaceno n\u00e1hradn\u00ed ubytov\u00e1n\u00ed a po oprav\u011b vozidla byste v dovolen\u00e9 a va\u0161\u00ed cest\u011b mohli pokra\u010dovat) <\/em>\u2013 byla by oprava poji\u0161\u0165ovnou uhrazena dle faktury vystaven\u00e9 servisem v zahrani\u010d\u00ed, nebo p\u0159epo\u010d\u00edt\u00e1na na cenu stejn\u00e9 opravy v \u010cR a proplacena dle takto p\u0159epo\u010d\u00edtan\u00e9 ceny, kter\u00e1 m\u016f\u017ee b\u00fdt o dost ni\u017e\u0161\u00ed ne\u017e ta skute\u010dn\u00e1 v zahrani\u010d\u00ed?<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">P\u0159ipoji\u0161t\u011bn\u00ed &#8211; Asisten\u010dn\u00ed slu\u017eby<\/h4>\n\n\n\n<p>Asisten\u010dn\u00edm slu\u017eb\u00e1m byste m\u011bli v\u011bnovat n\u00e1le\u017eitou pozornost. Odtah obytn\u00e9ho vozidla po nehod\u011b \u010di p\u0159i poru\u0161e m\u016f\u017ee b\u00fdt velmi n\u00e1kladnou z\u00e1le\u017eitost\u00ed, zejm\u00e9na ze zahrani\u010d\u00ed. Sta\u010d\u00ed, aby t\u0159eba p\u0159i vich\u0159ici v Chorvatsku ulomen\u00e1 v\u011btev po\u0161kodila obytn\u00e9 vozidlo tak, \u017ee nebude moci do b\u011b\u017en\u00e9ho provozu bez opravy. <strong>N\u00e1klady na odtah jsou v desetitis\u00edc\u00edch. A pozor si dejte u karavan\u016f. Tady toti\u017e m\u016f\u017ee nastat n\u011bkolik variant, kdy budete pot\u0159ebovat odtah.<\/strong> Asistence b\u00fdvaj\u00ed poskytov\u00e1ny k tomu vozidlu, ke kter\u00e9mu jsou sjednan\u00e9 a u kter\u00e9ho nastaly podm\u00ednky pro jejich poskytnut\u00ed, tj. obvykle to, \u017ee je vozidlo po poru\u0161e \u010di nehod\u011b nepoj\u00edzdn\u00e9. <strong>Ale u j\u00edzdn\u00ed soupravy m\u016f\u017ee doj\u00edt k z\u00e1vad\u011b nap\u0159. na ta\u017en\u00e9m vozidle<\/strong>. <strong>Pak, pokud jsou tyto slu\u017eby sjedn\u00e1ny, jsou poskytnuty dle jejich rozsahu k ta\u017en\u00e9mu vozidlu. A nemus\u00ed b\u00fdt poskytnuty ke karavanu, proto\u017ee tomu se \u201enic nestalo\u201c. <\/strong>Samoz\u0159ejm\u011b to plat\u00ed i obr\u00e1cen\u011b. A pak je tu varianta, \u017ee byl nap\u0159. p\u0159i nehod\u011b po\u0161kozen jak karavan, tak ta\u017en\u00e9 vozidlo. <strong>M\u00e1te na to odpov\u00eddaj\u00edc\u00ed asisten\u010dn\u00ed slu\u017eby?<\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">P\u0159ipoji\u0161t\u011bn\u00ed skel<\/h4>\n\n\n\n<p>Pokud by do\u0161lo k po\u0161kozen\u00ed \u010di zni\u010den\u00ed skel obytn\u00e9ho vozidla, <strong>bylo by mo\u017en\u00e9 kr\u00fdt takovou \u0161kodu<br>z havarijn\u00edho poji\u0161t\u011bn\u00ed.<\/strong> Samoz\u0159ejm\u011b pokud by p\u0159\u00ed\u010dina po\u0161kozen\u00ed odpov\u00eddala sjednan\u00e9mu rozsahu havarijn\u00edho poji\u0161t\u011bn\u00ed <strong>a pokud nem\u00e1 poji\u0161\u0165ovna v\u00fdluku na st\u0159e\u0161n\u00ed okna, nebo okna z jin\u00e9ho materi\u00e1lu ne\u017e skla<\/strong> (v\u0161echna okna karavanu jsou plast a na obytn\u00e9m automobilu je plastov\u00fdch oken tak\u00e9 dost a cena za 1 okno se m\u016f\u017ee pohybovat a\u017e v des\u00edtk\u00e1ch tis\u00edc\u016f K\u010d). Tak\u00e9 po\u010d\u00edtejte s t\u00edm, \u017ee pokud poji\u0161\u0165ovna bude plnit z Kaska, pak to v\u011bt\u0161inou bude m\u00edt negativn\u00ed dopad na va\u0161e bonusy &#8211; tedy i na budouc\u00ed slevy na pojistn\u00e9m. Nav\u00edc spolu\u00fa\u010dast na \u0161kod\u011b bude odpov\u00eddat sjednan\u00e9 spolu\u00fa\u010dasti na Kasku. <strong>A pozor, ne v\u0161echny poji\u0161\u0165ovny nab\u00edzej\u00ed p\u0159ipoji\u0161t\u011bn\u00ed skel p\u0159edev\u0161\u00edm pro karavany.<\/strong> Pokud ano, a vy si toto p\u0159ipoji\u0161t\u011bn\u00ed sjedn\u00e1te a dojde k pojistn\u00e9 ud\u00e1losti na skle (t\u0159eba p\u00e1dem ulomen\u00e9 v\u011btve stromu) a poji\u0161\u0165ovna v\u00e1m <strong>bude z tohoto p\u0159ipoji\u0161t\u011bn\u00ed<\/strong> plnit \u0161kodu, <strong>pak to nem\u00e1 dopad na dosa\u017een\u00e9 bonusy<\/strong> v havarijn\u00edm poji\u0161t\u011bn\u00ed a ani spolu\u00fa\u010dast nen\u00ed stejn\u00e1 jako u havarijn\u00edm poji\u0161t\u011bn\u00ed. P\u0159ipoji\u0161t\u011bn\u00ed skel m\u00edv\u00e1 svoji vlastn\u00ed spolu\u00fa\u010dast nap\u0159. fix. 500 K\u010d.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">P\u0159ipoji\u0161t\u011bn\u00ed zavazadel b\u011bhem p\u0159epravy<\/h4>\n\n\n\n<p>Ano, i v\u011bci osobn\u00ed pot\u0159eby se daj\u00ed pojistit ve va\u0161em obytn\u00e9m vozidle. Pozor v\u0161ak na jejich definici v pojistn\u00fdch podm\u00ednk\u00e1ch a hlavn\u011b nep\u0159ehl\u00e9dn\u011bte informaci, \u017ee <strong>zavazadla obvykle b\u00fdvaj\u00ed poji\u0161t\u011bna pouze B\u011aHEM p\u0159epravy. Jste-li v kempu a ji\u017e se nep\u0159epravujete, pak poji\u0161t\u011bna NEJSOU<\/strong>. Tak\u00e9 se ujist\u011bte, jak je to nap\u0159\u00edklad s j\u00edzdn\u00edmi koly uzam\u010den\u00fdmi v nosi\u010di kol p\u0159ipevn\u011bn\u00e9m na vozidle, s v\u011bcmi ve st\u0159e\u0161n\u00edm boxu atd.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1440\" height=\"1080\" src=\"https:\/\/all4camper.com\/\/wp-content\/uploads\/2021\/02\/pojis\u030cte\u030cni\u0301-karavanu-2.jpg\" alt=\"\" class=\"wp-image-90215\" srcset=\"https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/pojis\u030cte\u030cni\u0301-karavanu-2.jpg 1440w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/pojis\u030cte\u030cni\u0301-karavanu-2-300x225.jpg 300w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/pojis\u030cte\u030cni\u0301-karavanu-2-150x113.jpg 150w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/pojis\u030cte\u030cni\u0301-karavanu-2-768x576.jpg 768w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/pojis\u030cte\u030cni\u0301-karavanu-2-678x509.jpg 678w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/pojis\u030cte\u030cni\u0301-karavanu-2-326x245.jpg 326w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/pojis\u030cte\u030cni\u0301-karavanu-2-80x60.jpg 80w\" sizes=\"auto, (max-width: 1440px) 100vw, 1440px\" \/><figcaption>Zdroj: Facebook<\/figcaption><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">P\u0159ipoji\u0161t\u011bn\u00ed \u00farazu \u0159idi\u010de a ostatn\u00edch p\u0159epravovan\u00fdch osob p\u0159i nehod\u011b<\/h4>\n\n\n\n<p>T\u00fdk\u00e1 se logicky automobil\u016f, nikoli karavan\u016f. M\u016f\u017ee to b\u00fdt vhodn\u00e1 nadstavba a roz\u0161\u00ed\u0159en\u00ed va\u0161eho st\u00e1vaj\u00edc\u00edho \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">N\u00e1hradn\u00ed vozidlo<\/h4>\n\n\n\n<p>M\u016f\u017ee b\u00fdt sou\u010d\u00e1st\u00ed asisten\u010dn\u00edch slu\u017eeb nebo samostatn\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed. C\u00edlem tohoto p\u0159ipoji\u0161t\u011bn\u00ed je,  abyste p\u0159i oprav\u011b va\u0161eho vozidla v servisu m\u011bli k dispozici n\u00e1hradn\u00ed dopravn\u00ed prost\u0159edek. <strong>Nepo\u010d\u00edtejte v\u0161ak s t\u00edm, \u017ee by v\u00e1m jako n\u00e1hradn\u00ed vozidlo bylo zap\u016fj\u010deno jin\u00e9 obytn\u00e9 vozidlo.<\/strong> Jeho parametry jsou uvedeny v pojistn\u00fdch podm\u00ednk\u00e1ch poji\u0161\u0165oven a mohou se od sebe velmi li\u0161it. \u010casto se d\u00e1 sjednat nap\u0159\u00edklad finan\u010dn\u00ed limit na zap\u016fj\u010den\u00ed n\u00e1hradn\u00edho vozidla (10, 20, 30, &#8230; tis. K\u010d).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">GAP<\/h4>\n\n\n\n<p>Velmi d\u016fle\u017eit\u00e9 roz\u0161\u00ed\u0159en\u00ed havarijn\u00edho poji\u0161t\u011bn\u00ed. V\u011bt\u0161inou je poskytov\u00e1no po dobu 24 a 36 m\u011bs\u00edc\u016f a sjednat lze obvykle pro NOV\u00c1 vozidla. N\u011bkter\u00e9 poji\u0161\u0165ovny to nenab\u00edz\u00ed v\u016fbec, n\u011bkter\u00e9 jen pro automobily, n\u011bkter\u00e9 i pro karavany. <strong>Toto p\u0159ipoji\u0161t\u011bn\u00ed v\u00e1m v p\u0159\u00edpad\u011b odcizen\u00ed vozidla, nebo p\u0159i jeho tot\u00e1ln\u00ed \u0161kod\u011b zajist\u00ed, \u017ee poskytnut\u00e9 pojistn\u00e9 pln\u011bn\u00ed z havarijn\u00edho poji\u0161t\u011bn\u00ed a z p\u0159ipoji\u0161t\u011bn\u00ed GAP bude odpov\u00eddat po\u0159izovac\u00ed cen\u011b nov\u00e9ho vozidla, nikoli jeho cen\u011b obvykl\u00e9 na trhu v dan\u00e9m m\u00edst\u011b a \u010dase.<\/strong> U obytn\u00fdch vozidel v po\u0159izovac\u00ed cen\u011b nad 1 mil. K\u010d m\u016f\u017ee b\u00fdt rozd\u00edl mezi pln\u011bn\u00edm bez GAPu a s GAPem ve statis\u00edc\u00edch K\u010d.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1140\" height=\"712\" src=\"https:\/\/all4camper.com\/\/wp-content\/uploads\/2021\/02\/nehoda-karavan.jpeg\" alt=\"\" class=\"wp-image-90219\" srcset=\"https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/nehoda-karavan.jpeg 1140w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/nehoda-karavan-450x281.jpeg 450w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/nehoda-karavan-150x94.jpeg 150w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/nehoda-karavan-768x480.jpeg 768w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/nehoda-karavan-696x435.jpeg 696w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/nehoda-karavan-300x187.jpeg 300w\" sizes=\"auto, (max-width: 1140px) 100vw, 1140px\" \/><figcaption>Zdroj: Internet<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">M\u00e1te p\u0159edstavu o tom, jak prob\u00edh\u00e1 a kolik stoj\u00ed oprava karavanu?<\/h3>\n\n\n\n<p>Oprava obytn\u00e9ho vozidla ani karavanu nen\u00ed rozsahem a finan\u010dn\u00ed n\u00e1ro\u010dnost\u00ed stejn\u00e1, jako u osobn\u00edho vozidla. Abyste si mohli ud\u011blat p\u0159edstavu o tom, co v\u0161e se p\u0159i zd\u00e1nliv\u011b nijak v\u00e1\u017en\u00e9m po\u0161kozen\u00ed karavanu mus\u00ed ud\u011blat, jak pr\u00e1ce prob\u00edhaj\u00ed a kolik to v\u0161e asi m\u016f\u017ee st\u00e1t, nab\u00edz\u00edme v\u00e1m p\u00e1r fotografi\u00ed takov\u00e9 opravy.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1137\" height=\"640\" src=\"https:\/\/all4camper.com\/\/wp-content\/uploads\/2021\/02\/B-01.jpg\" alt=\"\" class=\"wp-image-90223\" srcset=\"https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/B-01.jpg 1137w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/B-01-300x169.jpg 300w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/B-01-150x84.jpg 150w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/B-01-768x432.jpg 768w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/B-01-678x381.jpg 678w\" sizes=\"auto, (max-width: 1137px) 100vw, 1137px\" \/><figcaption><strong>Po\u0161kozen\u00e1 prav\u00e1 p\u0159edn\u00ed \u010d\u00e1st karavanu<\/strong><\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1137\" height=\"640\" src=\"https:\/\/all4camper.com\/\/wp-content\/uploads\/2021\/02\/oprava-karavanu.jpg\" alt=\"\" class=\"wp-image-90227\" srcset=\"https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/oprava-karavanu.jpg 1137w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/oprava-karavanu-300x169.jpg 300w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/oprava-karavanu-150x84.jpg 150w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/oprava-karavanu-768x432.jpg 768w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/oprava-karavanu-678x381.jpg 678w\" sizes=\"auto, (max-width: 1137px) 100vw, 1137px\" \/><figcaption><strong>Za\u010daly pr\u00e1ce na oprav\u011b<\/strong><\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1137\" height=\"640\" src=\"https:\/\/all4camper.com\/\/wp-content\/uploads\/2021\/02\/oprava-karavanu-2.jpg\" alt=\"\" class=\"wp-image-90231\" srcset=\"https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/oprava-karavanu-2.jpg 1137w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/oprava-karavanu-2-300x169.jpg 300w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/oprava-karavanu-2-150x84.jpg 150w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/oprava-karavanu-2-768x432.jpg 768w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/oprava-karavanu-2-678x381.jpg 678w\" sizes=\"auto, (max-width: 1137px) 100vw, 1137px\" \/><figcaption><strong>Kompletn\u011b opraveny cel\u00fd prav\u00fd bok<\/strong><\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1137\" height=\"640\" src=\"https:\/\/all4camper.com\/\/wp-content\/uploads\/2021\/02\/oprava-karavanu-3.jpg\" alt=\"\" class=\"wp-image-90235\" srcset=\"https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/oprava-karavanu-3.jpg 1137w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/oprava-karavanu-3-300x169.jpg 300w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/oprava-karavanu-3-150x84.jpg 150w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/oprava-karavanu-3-768x432.jpg 768w, https:\/\/all4camper.com\/wp-content\/uploads\/2021\/02\/oprava-karavanu-3-678x381.jpg 678w\" sizes=\"auto, (max-width: 1137px) 100vw, 1137px\" \/><figcaption><strong>Karavan po dokon\u010den\u00ed opravy<\/strong><\/figcaption><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">P\u00e1r slov z\u00e1v\u011brem a n\u011bco o n\u00e1s<\/h4>\n\n\n\n<p>Jsem jedn\u00edm z v\u00e1s, karavanista a profes\u00ed ji\u017e \u0159adu let \u201epoji\u0161\u0165ov\u00e1k\u201c. V r. 2020 jsem slo\u017eil 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. Budu r\u00e1d, pokud v\u00e1m tento \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.<\/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. Za prv\u00e9 se produkty a jejich pojistn\u00e9 podm\u00ednky velmi dynamicky m\u011bn\u00ed. Za druh\u00e9, a to p\u0159edev\u0161\u00edm, je t\u0159eba v\u017edy vych\u00e1zet z 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>Cht\u011bl jsem v\u00e1m problematiku poji\u0161t\u011bn\u00ed obytn\u00fdch vozidel p\u0159ibl\u00ed\u017eit, pomoci s orientac\u00ed 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. 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 n\u00e1s obr\u00e1tit s va\u0161imi dotazy, pot\u0159ebou rady i pomoci. Jsme tu pro v\u00e1s v cel\u00e9 \u0161\u00ed\u0159i na\u0161eho oboru POJI\u0160T\u011aN\u00cd.<\/p>\n\n\n\n<p>Nejen poji\u0161t\u011bn\u00ed obytn\u00fdch vozidel a karavan\u016f, ale v\u0161ech vozidel v\u010d. flotil, poji\u0161t\u011bn\u00ed priv\u00e1tn\u00edho majetku a odpov\u011bdnosti, osob, podnikatelsk\u00fdch rizik v\u010d. odpov\u011bdnost\u00ed profesn\u00edch, poji\u0161t\u011bn\u00ed plavidel \u010di dom\u00e1c\u00edch mazl\u00ed\u010dk\u016f atd., to je na\u0161e ka\u017edodenn\u00ed pr\u00e1ce ji\u017e mnoho let.<\/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\n\n\n<p><strong>Jaroslav Daniel Dole\u017eal<\/strong>, <em>majitel a jednatel spole\u010dnosti<\/em> <strong>Insia Garant s.r.o.<\/strong>, \u010dlen a koordin\u00e1tor INSIA a.s. TOP poji\u0161\u0165ovac\u00ed makl\u00e9\u0159 \u010cR.  Email: InsiaGarant@insia.com, <a href=\"https:\/\/www.insiagarant.cz\/\" target=\"_blank\" rel=\"noreferrer noopener\">www.insiagarant.cz<\/a>, <a href=\"https:\/\/www.insia.cz\/\" target=\"_blank\" rel=\"noreferrer noopener\">www.insia.cz<\/a><\/p>\n\n\n\n<p><em>\u010cl\u00e1nek je chr\u00e1n\u011bn dle z\u00e1kona \u010d. 121\/2000 Sb., o pr\u00e1vu autorsk\u00e9m \u00a7 9.<\/em> <em>Upozorn\u011bn\u00ed: V\u00fd\u0161e uveden\u00e9 informace jsou pouze obecn\u00e9ho charakteru. P\u0159ed uzav\u0159en\u00edm smlouvy je t\u0159eba<\/em> <em>d\u016fkladn\u011b se sezn\u00e1mit s pojistn\u00fdmi podm\u00ednkami, zejm\u00e9na s v\u00fdlukami z poji\u0161t\u011bn\u00ed, dan\u00e9 poji\u0161\u0165ovny. Pojistn\u00e9<\/em> <em>podm\u00ednky jednotliv\u00fdch poji\u0161\u0165oven naleznete na jejich webov\u00fdch str\u00e1nk\u00e1ch.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pro dne\u0161n\u00ed \u010dl\u00e1nek jsem se rozhodla pot\u00e9, co ji\u017e opravdu dlouhou dobu pozoruji na karavanistick\u00fdch f\u00f3rech ot\u00e1zky spojen\u00e9 s poji\u0161t\u011bn\u00edm. No a proto\u017ee m\u016fj kamar\u00e1d, karavanista Jaroslav, je opravdu profesion\u00e1l ve sv\u00e9m oboru a v\u017edy mi dok\u00e1zal dob\u0159e poradit, po\u017e\u00e1dala jsem jej o seps\u00e1n\u00ed z\u00e1kladn\u00edho souhrnu informac\u00ed (a ot\u00e1zek na kter\u00e9 je t\u0159eba si odpov\u011bd\u011bt), [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":90219,"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":[11701,226,8122],"class_list":{"0":"post-90204","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-karavaning"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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