{"id":1528,"date":"2023-07-07T10:24:42","date_gmt":"2023-07-07T09:24:42","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1528"},"modified":"2023-06-23T10:27:16","modified_gmt":"2023-06-23T09:27:16","slug":"prehledne-pojisteni-zavazadel-na-cestach","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/prehledne-pojisteni-zavazadel-na-cestach\/","title":{"rendered":"P\u0159ehledn\u011b: Poji\u0161t\u011bn\u00ed zavazadel na cest\u00e1ch"},"content":{"rendered":"\n<p>Vyjet za hranice znamen\u00e1 vzd\u00e1t se mnoha jistot, kter\u00e9 doma pova\u017eujeme za samoz\u0159ejm\u00e9. A\u0165 u\u017e jde o bezplatn\u00e9 o\u0161et\u0159en\u00ed u l\u00e9ka\u0159e, z\u00e1sah horsk\u00e9 slu\u017eby nebo asistenci v mate\u0159sk\u00e9m jazyce, cestovn\u00ed poji\u0161t\u011bn\u00ed v\u00e1m tyto jistoty vrac\u00ed zp\u00e1tky. Jedna z jeho obvykl\u00fdch \u010d\u00e1st\u00ed \u2013 poji\u0161t\u011bn\u00ed zavazadel \u2013 m\u00e1 ale celou \u0159adu podm\u00ednek a v\u00fdluk. Poj\u010fme se pod\u00edvat, co vlastn\u011b kryje a co u\u017e ne.<\/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\">Co se v \u010dl\u00e1nku do\u010dtete<\/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-je-poji-t-n-zavazadlo-v-bezpe\">Je poji\u0161t\u011bn\u00e9 zavazadlo v bezpe\u010d\u00ed?<\/a><\/li><li class=\"\"><a href=\"#htoc-limity-poji-t-n-zavazadel\">Limity poji\u0161t\u011bn\u00ed zavazadel<\/a><\/li><li class=\"\"><a href=\"#htoc-poji-t-n-zavazadel-p-i-p-eprav\">Poji\u0161t\u011bn\u00ed zavazadel p\u0159i p\u0159eprav\u011b<\/a><\/li><li class=\"\"><a href=\"#htoc-poji-t-n-zavazadla-v-aut-pozor-na-st-e-n-boxy\">Poji\u0161t\u011bn\u00ed zavazadla v aut\u011b: pozor na st\u0159e\u0161n\u00ed boxy<\/a><\/li><li class=\"\"><a href=\"#htoc-poji-t-n-zavazadel-p-i-cestov-n-letadlem-nebo-autobusem\">Poji\u0161t\u011bn\u00ed zavazadel p\u0159i cestov\u00e1n\u00ed letadlem nebo autobusem<\/a><\/li><li class=\"\"><a href=\"#htoc-poji-t-n-zavazadel-v-m-st-ubytov-n\">Poji\u0161t\u011bn\u00ed zavazadel v m\u00edst\u011b ubytov\u00e1n\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-si-vybrat-nejlep-cestovn-poji-t-n\">Jak si vybrat nejlep\u0161\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-je-poji-t-n-zavazadlo-v-bezpe\"><strong>Je poji\u0161t\u011bn\u00e9 zavazadlo v bezpe\u010d\u00ed?<\/strong><\/h2>\n\n\n\n<p>N\u011bkdy vyraz\u00edte jen s p\u0159\u00edru\u010dn\u00ed ta\u0161kou a n\u00e1hradn\u00edm spodn\u00edm pr\u00e1dlem, jindy si s sebou vezete vybaven\u00ed za desetitis\u00edce nebo statis\u00edce korun. Koupit si v zahrani\u010d\u00ed nov\u00fd kart\u00e1\u010dek asi nebude probl\u00e9m, ale ocitnout se bez ly\u017e\u00ed na ly\u017ea\u0159sk\u00e9m z\u00e1jezdu, bez obleku na svatb\u011b kamar\u00e1da nebo bez notebooku na d\u016fle\u017eit\u00e9 konferenci, to u\u017e je no\u010dn\u00ed m\u016fra.<\/p>\n\n\n\n<p>Obvyklou <strong>sou\u010d\u00e1st\u00ed <a href=\"https:\/\/www.fingo.cz\/blog\/pojisteni-na-cesty-10-rad-pred-letni-dovolenou\/\">cestovn\u00edho poji\u0161t\u011bn\u00ed<\/a> je proto i poji\u0161t\u011bn\u00ed zavazadel<\/strong>. Neexistuje ale jedin\u00e1 logick\u00e1 linka mezi t\u00edm, co kryje a co ne. Ka\u017ed\u00e1 poji\u0161\u0165ovna si nav\u00edc stanovuje sv\u00e9 podm\u00ednky.<\/p>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed se nevztahuje na p\u0159\u00edpady, kdy jste <strong>ztr\u00e1tu zavazadla zavinili svou nedbalost\u00ed <\/strong>\u2013 kdy\u017e jste t\u0159eba poode\u0161li od sv\u00e9ho kufru na leti\u0161ti. Vlastn\u00ed podm\u00ednky ale m\u00edvaj\u00ed i \u017eiveln\u00ed katastrofy nebo konkr\u00e9tn\u00ed polo\u017eky z obsahu zavazadla, jako jsou \u0161perky nebo elektronika.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-limity-poji-t-n-zavazadel\"><strong>Limity poji\u0161t\u011bn\u00ed zavazadel<\/strong><\/h2>\n\n\n\n<p>I kdy\u017e je situace jednozna\u010dn\u00e1 a lupi\u010d v\u00e1m vykrade uzam\u010den\u00fd hotelov\u00fd pokoj, m\u00e1 poji\u0161t\u011bn\u00ed sv\u00e9 limity. T\u00edm m\u00e1me na mysli <strong>maxim\u00e1ln\u00ed \u010d\u00e1stku, kterou v\u00e1m poji\u0161\u0165ovna za va\u0161e ztr\u00e1ty vyplat\u00ed<\/strong>. \u010c\u00e1stku si do ur\u010dit\u00e9 m\u00edry vol\u00edte sami v r\u00e1mci bal\u00ed\u010dku cestovn\u00edho poji\u0161t\u011bn\u00ed, p\u0159es ur\u010ditou hodnotu u\u017e v\u00e1s ale poji\u0161\u0165ovny nepust\u00ed.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Limity-pojis\u030cte\u030cni\u0301-zavazadel.png\" alt=\"Limity poji\u0161t\u011bn\u00ed zavazadel\" class=\"wp-image-1547\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Limity-pojis\u030cte\u030cni\u0301-zavazadel.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Limity-pojis\u030cte\u030cni\u0301-zavazadel-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Limity-pojis\u030cte\u030cni\u0301-zavazadel-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><em>Maxim\u00e1ln\u00ed v\u00fd\u0161e pojistn\u00e9ho pln\u011bn\u00ed u jednotliv\u00fdch poji\u0161\u0165oven a jm\u00e9na bal\u00ed\u010dk\u016f, v r\u00e1mci kter\u00fdch na n\u011bj dos\u00e1hnete<\/em><\/p>\n\n\n\n<p>Poji\u0161\u0165ovna tak\u00e9 m\u016f\u017ee postupovat polo\u017eku po polo\u017ece a <strong>zji\u0161\u0165ovat, jak\u00e9 v\u011bci jste v zavazadle vezli <\/strong>a jakou hodnotu m\u011bly.<\/p>\n\n\n\n<p>N\u011bkter\u00e9 poji\u0161\u0165ovny v\u00e1m pak proplat\u00ed takovou cenu, abyste si mohli <strong>koupit nov\u00e9 vybaven\u00ed<\/strong>, jin\u00e9 nahrad\u00ed cenu, kter\u00e1 <strong>po\u010d\u00edt\u00e1 i s opot\u0159eben\u00edm v\u011bci <\/strong>\u2013 to je takzvan\u00e1 \u010dasov\u00e1 cena, kter\u00e1 je ni\u017e\u0161\u00ed. To pro v\u00e1s m\u016f\u017ee p\u0159edstavovat obrovsk\u00fd rozd\u00edl, tak\u017ee si ur\u010dit\u011b zjist\u011bte, jakou n\u00e1hradu nab\u00edz\u00ed va\u0161e poji\u0161\u0165ovna.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-poji-t-n-zavazadel-p-i-p-eprav\"><strong>Poji\u0161t\u011bn\u00ed zavazadel p\u0159i p\u0159eprav\u011b<\/strong><\/h2>\n\n\n\n<p>Ne\u017e si cestovn\u00ed poji\u0161t\u011bn\u00ed sjedn\u00e1te, promyslete, \u010d\u00edm budete cestovat. Autem, autobusem, letadlem\u2026? Pokud d\u00e1v\u00e1te zavazadla z ruky \u2013 t\u0159eba kdy\u017e ho schov\u00e1te do zavazadlov\u00e9ho prostoru nebo odbav\u00edte na leti\u0161ti, u\u017e se na v\u00e1s m\u016f\u017eou vztahovat v\u00fdjimky z poji\u0161t\u011bn\u00ed. Vyberte si tedy poji\u0161\u0165ovnu i s ohledem na to, <strong>kde v\u0161ude zavazadla spust\u00edte z dohledu<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-poji-t-n-zavazadla-v-aut-pozor-na-st-e-n-boxy\"><strong>Poji\u0161t\u011bn\u00ed zavazadla v aut\u011b: pozor na st\u0159e\u0161n\u00ed boxy<\/strong><\/h2>\n\n\n\n<p>Ide\u00e1ln\u011b<strong> ulo\u017ete v\u011bci do kufru<\/strong>, pe\u010dliv\u011b je zakryjte a v noci si je <strong>v\u017edycky berte s sebou do hotelu<\/strong>. Pokud je p\u0159ev\u00e1\u017e\u00edte ve st\u0159e\u0161n\u00edm boxu nebo na nosi\u010di auta, pozor! N\u011bkter\u00e9 poji\u0161\u0165ovny toto uskladn\u011bn\u00ed neuzn\u00e1vaj\u00ed.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-zavazadel-v-aute\u030c.png\" alt=\"P\u0159ehled poji\u0161t\u011bn\u00ed zavazadel v aut\u011b\" class=\"wp-image-1535\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-zavazadel-v-aute\u030c.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-zavazadel-v-aute\u030c-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-zavazadel-v-aute\u030c-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><em>Poji\u0161t\u011bn\u00ed zavazadel p\u0159i cestov\u00e1n\u00ed autem<\/em><\/p>\n\n\n\n<p><strong>Trochu jin\u00e9 \u0161ance budete m\u00edt, pokud va\u0161e zavazadlo nebude ukraden\u00e9, ale zni\u010den\u00e9 \u017eiveln\u00ed ud\u00e1lost\u00ed.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-zavazadel-v-aute\u030c-pr\u030ci-z\u030civelni\u0301-uda\u0301losti.png\" alt=\"P\u0159ehled poji\u0161t\u011bn\u00ed zavazadel v aut\u011b v p\u0159\u00edpad\u011b \u017eiveln\u00ed ud\u00e1losti\" class=\"wp-image-1545\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-zavazadel-v-aute\u030c-pr\u030ci-z\u030civelni\u0301-uda\u0301losti.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-zavazadel-v-aute\u030c-pr\u030ci-z\u030civelni\u0301-uda\u0301losti-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-zavazadel-v-aute\u030c-pr\u030ci-z\u030civelni\u0301-uda\u0301losti-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><em>Poji\u0161t\u011bn\u00ed zavazadel p\u0159i cestov\u00e1n\u00ed autem p\u0159i zni\u010den\u00ed \u017eiveln\u00ed katastrofou<\/em><\/p>\n\n\n\n<p>A nakonec pamatujte i na to, \u017ee <strong>na ka\u017ed\u00fd p\u0159edm\u011bt ve va\u0161em zavazadle se nevztahuj\u00ed stejn\u00e1 pravidla<\/strong>. Co kdy\u017e cestujete s cennostmi \u2013 jako telefon, fo\u0165\u00e1k, tablet, notebook \u2013 nebo hroz\u00ed ztr\u00e1ta cestovn\u00edch doklad\u016f?<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-cennosti\u0301-v-aute\u030c.png\" alt=\"P\u0159ehled poji\u0161t\u011bn\u00ed cennost\u00ed v aut\u011b\" class=\"wp-image-1536\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-cennosti\u0301-v-aute\u030c.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-cennosti\u0301-v-aute\u030c-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-cennosti\u0301-v-aute\u030c-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><em>Poji\u0161t\u011bn\u00ed cenn\u00fdch p\u0159edm\u011bt\u016f p\u0159i cestov\u00e1n\u00ed autem<\/em><\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background\"><strong>Tip:<\/strong> Vyr\u00e1\u017e\u00edte na dovolenou i se sv\u00fdm psem nebo ko\u010dkou? Pod\u00edvejte se i na <a href=\"https:\/\/www.fingo.cz\/blog\/cestovani-jak-na-pojisteni-psu-a-dalsich-mazlicku\/\">cestovn\u00ed poji\u0161t\u011bn\u00ed dom\u00e1c\u00edch mazl\u00ed\u010dk\u016f<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-poji-t-n-zavazadel-p-i-cestov-n-letadlem-nebo-autobusem\"><strong>Poji\u0161t\u011bn\u00ed zavazadel p\u0159i cestov\u00e1n\u00ed letadlem nebo autobusem<\/strong><\/h2>\n\n\n\n<p>Kdy\u017e zvol\u00edte hromadnou dopravu, ocitnete se v situac\u00edch, kdy <strong>sv\u00e9 zavazadlo mus\u00edte pustit z ruky<\/strong>. Bu\u010f se nevejde do p\u0159ihr\u00e1dky pro p\u0159\u00edru\u010dn\u00ed zavazadlo, nebo obsahuje v\u011bci, kter\u00e9 t\u0159eba na palub\u011b letadla nejsou v\u00edtan\u00e9. Zat\u00edmco ve filmov\u00fdch komedi\u00edch se zavazadlo p\u0159i takov\u00e9 p\u0159eprav\u011b ztrat\u00ed prakticky v\u017edycky, ve skute\u010dn\u00e9m \u017eivot\u011b jde o v\u00fdjimky. P\u0159esto je velmi nep\u0159\u00edjemn\u00e9, kdy\u017e se to stane pr\u00e1v\u011b v\u00e1m.<\/p>\n\n\n\n<p>I kdy\u017e se poji\u0161t\u011bn\u00ed na p\u0159\u00edpady odbaven\u00fdch nebo odlo\u017een\u00fdch zavazadel nevztahuje, st\u00e1le byste m\u011bli <strong>z\u00edskat n\u00e1hradu od p\u0159epravce<\/strong>. To on m\u00e1 zajistit bezpe\u010d\u00ed zavazadla i to, \u017ee spolu s v\u00e1mi doputuje do c\u00edlov\u00e9 destinace. Takov\u00e9 vym\u00e1h\u00e1n\u00ed m\u016f\u017ee b\u00fdt ale otravn\u00e9, trvat dlouho a \u00fapln\u011b zkazit va\u0161i dovolenou. Pokud m\u00e1te <strong>zavazadlo spr\u00e1vn\u011b poji\u0161t\u011bn\u00e9, n\u00e1hradu v\u00e1m vyplat\u00ed poji\u0161\u0165ovna<\/strong> \u2013 a ta se pak bude handrkovat s provozovatelem leti\u0161t\u011b.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-poji-t-n-zavazadel-v-m-st-ubytov-n\"><strong>Poji\u0161t\u011bn\u00ed zavazadel v m\u00edst\u011b ubytov\u00e1n\u00ed<\/strong><\/h2>\n\n\n\n<p>Vystoup\u00edte z dopravn\u00edho prost\u0159edku a n\u011bkde mus\u00edte slo\u017eit hlavu. Vztahuje se poji\u0161t\u011bn\u00ed na va\u0161e zavazadlo, <strong>pokud ho nech\u00e1te na hotelov\u00e9m pokoji<\/strong>? A co kdy\u017e sp\u00edte jen ve stanu?<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-zavazadel-podle-typu-ubytova\u0301ni\u0301.png\" alt=\"P\u0159ehled poji\u0161t\u011bn\u00ed zavazadel podle typu ubytov\u00e1n\u00ed\" class=\"wp-image-1534\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-zavazadel-podle-typu-ubytova\u0301ni\u0301.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-zavazadel-podle-typu-ubytova\u0301ni\u0301-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-zavazadel-podle-typu-ubytova\u0301ni\u0301-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><em>Poji\u0161t\u011bn\u00ed zavazadel v r\u016fzn\u00fdch typech ubytov\u00e1n\u00ed<\/em><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-zavazadel-pr\u030ci-z\u030civelni\u0301-uda\u0301losti-podle-typu-ubytova\u0301ni\u0301.png\" alt=\"P\u0159ehled poji\u0161t\u011bn\u00ed zavazadel v p\u0159\u00edpad\u011b \u017eiveln\u00ed ud\u00e1losti podle typu ubytov\u00e1n\u00ed\" class=\"wp-image-1546\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-zavazadel-pr\u030ci-z\u030civelni\u0301-uda\u0301losti-podle-typu-ubytova\u0301ni\u0301.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-zavazadel-pr\u030ci-z\u030civelni\u0301-uda\u0301losti-podle-typu-ubytova\u0301ni\u0301-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-zavazadel-pr\u030ci-z\u030civelni\u0301-uda\u0301losti-podle-typu-ubytova\u0301ni\u0301-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><em>Poji\u0161t\u011bn\u00ed zavazadel v r\u016fzn\u00fdch typech ubytov\u00e1n\u00ed p\u0159i \u017eiveln\u00ed ud\u00e1losti<\/em><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-cennosti\u0301-podle-typu-ubytova\u0301ni\u0301.png\" alt=\"P\u0159ehled poji\u0161t\u011bn\u00ed cennost\u00ed podle typu ubytov\u00e1n\u00ed\" class=\"wp-image-1533\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-cennosti\u0301-podle-typu-ubytova\u0301ni\u0301.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-cennosti\u0301-podle-typu-ubytova\u0301ni\u0301-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Pojis\u030cte\u030cni\u0301-cennosti\u0301-podle-typu-ubytova\u0301ni\u0301-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><em>Poji\u0161t\u011bn\u00ed cennost\u00ed v r\u016fzn\u00fdch typech ubytov\u00e1n\u00ed<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-si-vybrat-nejlep-cestovn-poji-t-n\"><strong>Jak si vybrat nejlep\u0161\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p>Vybrat cestovn\u00ed poji\u0161t\u011bn\u00ed nen\u00ed jen o tom srovnat ceny jednotliv\u00fdch poji\u0161\u0165oven. Nem\u016f\u017eeme ani doporu\u010dit jedno konkr\u00e9tn\u00ed poji\u0161t\u011bn\u00ed, proto\u017ee <strong>v\u017edycky z\u00e1le\u017e\u00ed na tom, jak\u00fd typ cesty podnik\u00e1te<\/strong>. Je mo\u017en\u00e9, \u017ee v\u00e1s zavazadlo nijak zvl\u00e1\u0161\u0165 netr\u00e1p\u00ed, ale tak\u00e9 na n\u011bm m\u016f\u017ee b\u00fdt \u00fasp\u011bch cel\u00e9 va\u0161\u00ed cesty z\u00e1visl\u00fd.<\/p>\n\n\n\n<p>Nezapome\u0148te, \u017ee si obvykle m\u016f\u017eete pojistit <strong>zvl\u00e1\u0161\u0165 sportovn\u00ed vybaven\u00ed<\/strong> (ly\u017ee, kolo, golfov\u00e9 hole) tak, abyste si v p\u0159\u00edpad\u011b jejich ztr\u00e1ty mohli p\u016fj\u010dit n\u00e1hradn\u00ed a nemuseli kompletn\u011b odp\u00edskat cel\u00fd z\u00e1jezd. Tak\u00e9 p\u0159i <strong>zdr\u017een\u00ed zavazadla v letadle<\/strong> v\u00e1m n\u011bkter\u00e9 poji\u0161\u0165ovny nab\u00eddnou kompenzaci za p\u0159edm\u011bty, kter\u00e9 si nutn\u011b pot\u0159ebujete koupit znovu.<\/p>\n\n\n\n<p>Krom\u011b zavazadla byste se m\u011bli samoz\u0159ejm\u011b soust\u0159edit i na <strong>n\u00e1hradu l\u00e9\u010debn\u00fdch v\u00fdloh<\/strong> a podle typu cesty i na <strong>poji\u0161t\u011bn\u00ed rizikov\u00fdch aktivit<\/strong> nebo t\u0159eba z\u00e1sahu horsk\u00e9 slu\u017eby.<\/p>\n\n\n\n<p><strong>Tip: <\/strong>Chyst\u00e1te se na v\u011bt\u0161\u00ed v\u00fdpravu, ne\u017e je v\u00edkendov\u00e1 proch\u00e1zka po centru evropsk\u00e9ho m\u011bsta? Pak se obra\u0165te na <a href=\"https:\/\/www.fingo.cz\/kontakty\">finan\u010dn\u00edho poradce FinGO<\/a>, kter\u00fd m\u00e1 <strong>p\u0159ehled o podm\u00ednk\u00e1ch a v\u00fdluk\u00e1ch jednotliv\u00fdch poji\u0161\u0165oven <\/strong>a dok\u00e1\u017ee v\u00e1m doporu\u010dit nejv\u00fdhodn\u011bj\u0161\u00ed \u0159e\u0161en\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vyjet za hranice znamen\u00e1 vzd\u00e1t se mnoha jistot, kter\u00e9 doma pova\u017eujeme za samoz\u0159ejm\u00e9. A\u0165 u\u017e jde o bezplatn\u00e9 o\u0161et\u0159en\u00ed u l\u00e9ka\u0159e, z\u00e1sah horsk\u00e9 slu\u017eby nebo asistenci v mate\u0159sk\u00e9m jazyce, cestovn\u00ed poji\u0161t\u011bn\u00ed v\u00e1m tyto jistoty vrac\u00ed zp\u00e1tky. Jedna z jeho obvykl\u00fdch \u010d\u00e1st\u00ed \u2013 poji\u0161t\u011bn\u00ed zavazadel \u2013 m\u00e1 ale celou \u0159adu podm\u00ednek a v\u00fdluk. Poj\u010fme se pod\u00edvat, co vlastn\u011b kryje a co u\u017e ne. Je poji\u0161t\u011bn\u00e9 zavazadlo v bezpe\u010d\u00ed? N\u011bkdy vyraz\u00edte jen s p\u0159\u00edru\u010dn\u00ed ta\u0161kou a n\u00e1hradn\u00edm spodn\u00edm pr\u00e1dlem, jindy si s sebou vezete vybaven\u00ed za desetitis\u00edce nebo statis\u00edce korun. Koupit si v zahrani\u010d\u00ed nov\u00fd kart\u00e1\u010dek asi nebude probl\u00e9m, ale ocitnout se bez ly\u017e\u00ed na ly\u017ea\u0159sk\u00e9m z\u00e1jezdu, bez obleku na svatb\u011b kamar\u00e1da nebo bez notebooku na d\u016fle\u017eit\u00e9 konferenci, to u\u017e je no\u010dn\u00ed m\u016fra. Obvyklou sou\u010d\u00e1st\u00ed cestovn\u00edho poji\u0161t\u011bn\u00ed je proto i poji\u0161t\u011bn\u00ed zavazadel. Neexistuje ale jedin\u00e1 logick\u00e1 linka mezi t\u00edm, co kryje a co ne. Ka\u017ed\u00e1 poji\u0161\u0165ovna si nav\u00edc stanovuje sv\u00e9 podm\u00ednky. Poji\u0161t\u011bn\u00ed se nevztahuje na p\u0159\u00edpady, kdy jste ztr\u00e1tu zavazadla zavinili svou nedbalost\u00ed \u2013 kdy\u017e jste t\u0159eba poode\u0161li od sv\u00e9ho kufru na leti\u0161ti. Vlastn\u00ed podm\u00ednky ale m\u00edvaj\u00ed i \u017eiveln\u00ed katastrofy nebo konkr\u00e9tn\u00ed polo\u017eky z obsahu zavazadla, jako jsou \u0161perky nebo elektronika. Limity poji\u0161t\u011bn\u00ed zavazadel I kdy\u017e je situace jednozna\u010dn\u00e1 a lupi\u010d v\u00e1m [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":1532,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[19,89],"class_list":["post-1528","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cestovni-pojisteni","tag-irena-jakobova","tag-pojisteni-zavazadel"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>P\u0159ehledn\u011b: Poji\u0161t\u011bn\u00ed zavazadel na cest\u00e1ch - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Poji\u0161t\u011bn\u00ed zavazadel je jednou z b\u011b\u017en\u00fdch sou\u010d\u00e1st\u00ed cestovn\u00edho poji\u0161t\u011bn\u00ed. 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