{"id":2608,"date":"2025-06-06T09:49:58","date_gmt":"2025-06-06T08:49:58","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2608"},"modified":"2025-06-06T09:50:36","modified_gmt":"2025-06-06T08:50:36","slug":"cestovni-pojisteni-elektrokola-vysokohorska-turistika-i-mazlicci","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/cestovni-pojisteni-elektrokola-vysokohorska-turistika-i-mazlicci\/","title":{"rendered":"Cestovn\u00ed poji\u0161t\u011bn\u00ed: elektrokola, vysokohorsk\u00e1 turistika i mazl\u00ed\u010dci"},"content":{"rendered":"\n<p><strong>Pl\u00e1nujete aktivn\u00ed dovolenou v p\u0159\u00edrod\u011b, cyklov\u00fdlet na elektrokole nebo se chyst\u00e1te vyrazit s mazl\u00ed\u010dkem za hranice? Ne\u017e sbal\u00edte kufry, zkontrolujte si, \u017ee va\u0161e cestovn\u00ed poji\u0161t\u011bn\u00ed odpov\u00edd\u00e1 pl\u00e1novan\u00fdm aktivit\u00e1m i specifik\u016fm c\u00edlov\u00e9 destinace. V l\u00e9t\u011b 2025 se st\u00e1v\u00e1 standardem, \u017ee cestovn\u00ed poji\u0161t\u011bn\u00ed zdaleka nekon\u010d\u00ed jen u l\u00e9\u010debn\u00fdch v\u00fdloh \u2013 st\u00e1le v\u00edce lid\u00ed si sjedn\u00e1v\u00e1 i p\u0159ipoji\u0161t\u011bn\u00ed na m\u00edru sv\u00fdm pot\u0159eb\u00e1m.<\/strong><\/p>\n\n\n\n<p><\/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-pro-u-nesta-jen-z-kladn-poji-t-n\">Pro\u010d u\u017e nesta\u010d\u00ed jen z\u00e1kladn\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-vysokohorsk-turistika-z-sah-vrtuln-kem-v-s-m-e-st-t-des-tky-tis-c-eur\">Vysokohorsk\u00e1 turistika: z\u00e1sah vrtuln\u00edkem v\u00e1s m\u016f\u017ee st\u00e1t des\u00edtky tis\u00edc eur<\/a><\/li><li class=\"\"><a href=\"#htoc-elektrokola-a-jejich-rizika-nejen-nehody-ale-i-odpov-dnost\">Elektrokola a jejich rizika: nejen nehody, ale i odpov\u011bdnost<\/a><\/li><li class=\"\"><a href=\"#htoc-cestov-n-s-mazl-ky-vysok-n-klady-na-veterin-rn-p-i\">Cestovn\u00ed poji\u0161t\u011bn\u00ed pro mazl\u00ed\u010dky<\/a><\/li><li class=\"\"><a href=\"#htoc-nejobl-ben-j-p-ipoji-t-n-storno-z-jezdu\">Nejobl\u00edben\u011bj\u0161\u00ed cestovn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed? Storno z\u00e1jezdu<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-pro-u-nesta-jen-z-kladn-poji-t-n\"><strong>Pro\u010d u\u017e nesta\u010d\u00ed jen z\u00e1kladn\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p>Z\u00e1kladem pro ka\u017ed\u00e9 cestovn\u00ed poji\u0161t\u011bn\u00ed by m\u011blo b\u00fdt <strong>dostate\u010dn\u00e9 kryt\u00ed l\u00e9\u010debn\u00fdch v\u00fdloh<\/strong>. To zahrnuje \u00farazy, n\u00e1hl\u00e1 onemocn\u011bn\u00ed a hospitalizaci. Jen\u017ee s rostouc\u00ed oblibou dobrodru\u017en\u011bj\u0161\u00edch aktivit roste i pot\u0159eba poji\u0161t\u011bn\u00ed, kter\u00e9 pokr\u00fdv\u00e1 <strong>rizika mimo b\u011b\u017en\u00fd r\u00e1mec<\/strong>. A pr\u00e1v\u011b zde nastupuje \u0159ada p\u0159ipoji\u0161t\u011bn\u00ed, kter\u00e1 dok\u00e1\u017eou u\u0161et\u0159it nemal\u00e9 pen\u00edze \u2013 i starosti.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXcW3y27iuvtOh0yzz-oWLnNAe7cybpND5dm8GZnjftAHX3AMaHhWJKxoDxFPgC_3LaDPWeY9v0wq1BQ8s2fgCBV6GLTkmOfMltRRqyF3c4w41G84JPjZYiG21voztlu-1idg8dwFQ?key=Td0FiT-rBTpC2FiYDANqpg\" alt=\"Cestovn\u00ed poji\u0161t\u011bn\u00ed pro rodinu\"\/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-vysokohorsk-turistika-z-sah-vrtuln-kem-v-s-m-e-st-t-des-tky-tis-c-eur\"><strong>Vysokohorsk\u00e1 turistika: z\u00e1sah vrtuln\u00edkem v\u00e1s m\u016f\u017ee st\u00e1t des\u00edtky tis\u00edc eur<\/strong><\/h2>\n\n\n\n<p>Letn\u00ed t\u00fary ve vy\u0161\u0161\u00edch nadmo\u0159sk\u00fdch v\u00fd\u0161k\u00e1ch pat\u0159\u00ed mezi st\u00e1le popul\u00e1rn\u011bj\u0161\u00ed aktivity. Ale pozor \u2013 i kdy\u017e se nec\u00edt\u00edte jako horolezec, horsk\u00e1 z\u00e1chrann\u00e1 slu\u017eba v zahrani\u010d\u00ed va\u0161e v\u00fdkony m\u016f\u017ee klasifikovat jinak. A pr\u00e1v\u011b <strong>z\u00e1sah vrtuln\u00edkem \u010di p\u0159evoz do nemocnice<\/strong> b\u00fdv\u00e1 jednou z nejdra\u017e\u0161\u00edch polo\u017eek, pokud nem\u00e1te sjednan\u00e9 specializovan\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">\ud83c\udfd6\ufe0f Vyr\u00e1\u017e\u00edte na dovolenou karavanem? P\u0159e\u010dt\u011bte si \u010dl\u00e1nek o <a href=\"https:\/\/www.fingo.cz\/blog\/obytny-vuz-karavan-dovolena\/\">poji\u0161t\u011bn\u00ed karavan\u016f<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-elektrokola-a-jejich-rizika-nejen-nehody-ale-i-odpov-dnost\"><strong>Elektrokola a jejich rizika: nejen nehody, ale i odpov\u011bdnost<\/strong><\/h2>\n\n\n\n<p>Rychl\u00e1, t\u011b\u017e\u0161\u00ed ne\u017e klasick\u00e1 kola a \u010d\u00edm d\u00e1l obl\u00edben\u011bj\u0161\u00ed \u2013 elektrokola jsou hitem posledn\u00edch let. Jen\u017ee jejich pou\u017e\u00edv\u00e1n\u00ed p\u0159in\u00e1\u0161\u00ed specifick\u00e1 rizika. A\u0165 u\u017e jde o p\u00e1d nebo st\u0159et s jin\u00fdm \u00fa\u010dastn\u00edkem provozu, bez <strong>p\u0159ipoji\u0161t\u011bn\u00ed odpov\u011bdnosti <\/strong>se m\u016f\u017ee i men\u0161\u00ed kolize p\u011bkn\u011b prodra\u017eit.<\/p>\n\n\n\n<p>Zvl\u00e1\u0161tn\u00ed pozornost si zaslou\u017e\u00ed i legislativa. V N\u011bmecku nap\u0159\u00edklad mus\u00ed m\u00edt siln\u011bj\u0161\u00ed elektrokola s motorem nad 250 W<strong> povinn\u00e9 ru\u010den\u00ed<\/strong>. Pokud jedete s takov\u00fdm kolem z \u010ceska, mus\u00edte si uzav\u0159\u00edt tzv. hrani\u010dn\u00ed poji\u0161t\u011bn\u00ed \u2013 jinak riskujete vysokou pokutu.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">\ud83d\ude98 P\u0159e\u010dt\u011bte si \u010dl\u00e1nek na t\u00e9ma, jak m\u00edt <a href=\"https:\/\/www.fingo.cz\/blog\/jedete-autem-na-dovolenou-pribalte-si-havarijni-pojisteni\/\">poji\u0161t\u011bn\u00e9 auto p\u0159i cest\u00e1ch do zahrani\u010d\u00ed<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-cestov-n-s-mazl-ky-vysok-n-klady-na-veterin-rn-p-i\"><strong>Cestovn\u00ed poji\u0161t\u011bn\u00ed <\/strong>pro<strong> mazl\u00ed\u010dky<\/strong><\/h2>\n\n\n\n<p>Zv\u00ed\u0159ec\u00ed par\u0165\u00e1ci jsou dnes b\u011b\u017enou sou\u010d\u00e1st\u00ed dovolen\u00e9. Ale i oni mohou onemocn\u011bt nebo se zranit \u2013 a <strong>veterin\u00e1rn\u00ed o\u0161et\u0159en\u00ed v zahrani\u010d\u00ed je \u010dasto n\u00e1sobn\u011b dra\u017e\u0161\u00ed ne\u017e doma<\/strong>. Speci\u00e1ln\u00ed p\u0159ipoji\u0161t\u011bn\u00ed pro dom\u00e1c\u00ed mazl\u00ed\u010dky v\u00e1m m\u016f\u017ee u\u0161et\u0159it tis\u00edce a z\u00e1rove\u0148 zajistit, \u017ee se va\u0161emu mil\u00e1\u010dkovi dostane p\u00e9\u010de bez zbyte\u010dn\u00e9ho stresu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-nejobl-ben-j-p-ipoji-t-n-storno-z-jezdu\"><strong>Nejobl\u00edben\u011bj\u0161\u00ed cestovn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed? Storno z\u00e1jezdu<\/strong><\/h2>\n\n\n\n<p>Nejv\u00edce klient\u016f i letos vol\u00ed p\u0159ipoji\u0161t\u011bn\u00ed storna. A nen\u00ed divu \u2013 ne\u010dekan\u00e9 zdravotn\u00ed probl\u00e9my, pracovn\u00ed p\u0159ek\u00e1\u017eky nebo jin\u00e9 z\u00e1va\u017en\u00e9 d\u016fvody mohou zhatit i dlouho pl\u00e1novanou dovolenou. S p\u0159ipoji\u0161t\u011bn\u00edm v\u0161ak nep\u0159ijdete o pen\u00edze za z\u00e1jezd. V\u00fdrazn\u011b tak kles\u00e1 riziko finan\u010dn\u00ed ztr\u00e1ty a roste klid na du\u0161i.<\/p>\n\n\n\n<p><strong>Zpo\u017ed\u011bn\u00ed zavazadel, zru\u0161en\u00fd let nebo porucha auta&nbsp;<\/strong><\/p>\n\n\n\n<p>I to jsou komplikace, kter\u00e9 mohou naru\u0161it bezstarostn\u00e9 cestov\u00e1n\u00ed. P\u0159ipoji\u0161t\u011bn\u00ed t\u011bchto ud\u00e1lost\u00ed je drobnou investic\u00ed s potenci\u00e1ln\u011b velkou n\u00e1vratnost\u00ed. Nep\u0159\u00edjemnosti v doprav\u011b b\u00fdvaj\u00ed \u010dast\u00e9 a nep\u0159edv\u00eddateln\u00e9 \u2013 nap\u0159\u00edklad <strong>zpo\u017ed\u011bn\u00e1 zavazadla<\/strong> mohou zkomplikovat za\u010d\u00e1tek dovolen\u00e9, a zru\u0161en\u00fd let znamen\u00e1 nejen stres, ale i dal\u0161\u00ed v\u00fddaje. Dob\u0159e nastaven\u00e9 poji\u0161t\u011bn\u00ed v\u00e1m umo\u017en\u00ed pokr\u00fdt dodate\u010dn\u00e9 n\u00e1klady, jako je <strong>n\u00e1kup oble\u010den\u00ed \u010di n\u00e1hradn\u00ed doprava<\/strong>.<\/p>\n\n\n\n<p><strong>D\u016fle\u017eitost p\u0159ipoji\u0161t\u011bn\u00ed potvrzuj\u00ed i data z praxe<\/strong><\/p>\n\n\n\n<p>Spole\u010dnost Europ Assistance v roce 2023 \u0159e\u0161ila v pr\u016fm\u011bru <strong>25 pojistn\u00fdch ud\u00e1lost\u00ed v zahrani\u010d\u00ed denn\u011b<\/strong> a zajistila celkem 1 541 repatriac\u00ed vozidel \u2013 tedy \u010dty\u0159i ka\u017ed\u00fd den. Nejdel\u0161\u00ed p\u0159evoz auta zp\u011bt do \u010ceska vedl z Portugalska a m\u011b\u0159il 2 871 kilometr\u016f. Takov\u00e9 p\u0159\u00edpady ukazuj\u00ed, jak kl\u00ed\u010dov\u00e1 m\u016f\u017ee b\u00fdt asistence v krizov\u00fdch situac\u00edch.<\/p>\n\n\n\n<p>Pokud si nejste jist\u00ed, jak\u00e9 poji\u0161t\u011bn\u00ed bude pro va\u0161i dovolenou to prav\u00e9, <a href=\"https:\/\/www.fingo.cz\/kontakty\">obra\u0165te se na n\u00e1s<\/a>. R\u00e1di v\u00e1m pom\u016f\u017eeme vybrat poji\u0161t\u011bn\u00ed p\u0159esn\u011b podle va\u0161ich pot\u0159eb a pl\u00e1n\u016f. S n\u00e1mi m\u00e1te jistotu, \u017ee na cest\u00e1ch v\u00e1s nic nep\u0159ekvap\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pl\u00e1nujete aktivn\u00ed dovolenou v p\u0159\u00edrod\u011b, cyklov\u00fdlet na elektrokole nebo se chyst\u00e1te vyrazit s mazl\u00ed\u010dkem za hranice? Ne\u017e sbal\u00edte kufry, zkontrolujte si, \u017ee va\u0161e cestovn\u00ed poji\u0161t\u011bn\u00ed odpov\u00edd\u00e1 pl\u00e1novan\u00fdm aktivit\u00e1m i specifik\u016fm c\u00edlov\u00e9 destinace. V l\u00e9t\u011b 2025 se st\u00e1v\u00e1 standardem, \u017ee cestovn\u00ed poji\u0161t\u011bn\u00ed zdaleka nekon\u010d\u00ed jen u l\u00e9\u010debn\u00fdch v\u00fdloh \u2013 st\u00e1le v\u00edce lid\u00ed si sjedn\u00e1v\u00e1 i p\u0159ipoji\u0161t\u011bn\u00ed na m\u00edru sv\u00fdm pot\u0159eb\u00e1m. Pro\u010d u\u017e nesta\u010d\u00ed jen z\u00e1kladn\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed Z\u00e1kladem pro ka\u017ed\u00e9 cestovn\u00ed poji\u0161t\u011bn\u00ed by m\u011blo b\u00fdt dostate\u010dn\u00e9 kryt\u00ed l\u00e9\u010debn\u00fdch v\u00fdloh. To zahrnuje \u00farazy, n\u00e1hl\u00e1 onemocn\u011bn\u00ed a hospitalizaci. Jen\u017ee s rostouc\u00ed oblibou dobrodru\u017en\u011bj\u0161\u00edch aktivit roste i pot\u0159eba poji\u0161t\u011bn\u00ed, kter\u00e9 pokr\u00fdv\u00e1 rizika mimo b\u011b\u017en\u00fd r\u00e1mec. A pr\u00e1v\u011b zde nastupuje \u0159ada p\u0159ipoji\u0161t\u011bn\u00ed, kter\u00e1 dok\u00e1\u017eou u\u0161et\u0159it nemal\u00e9 pen\u00edze \u2013 i starosti. Vysokohorsk\u00e1 turistika: z\u00e1sah vrtuln\u00edkem v\u00e1s m\u016f\u017ee st\u00e1t des\u00edtky tis\u00edc eur Letn\u00ed t\u00fary ve vy\u0161\u0161\u00edch nadmo\u0159sk\u00fdch v\u00fd\u0161k\u00e1ch pat\u0159\u00ed mezi st\u00e1le popul\u00e1rn\u011bj\u0161\u00ed aktivity. Ale pozor \u2013 i kdy\u017e se nec\u00edt\u00edte jako horolezec, horsk\u00e1 z\u00e1chrann\u00e1 slu\u017eba v zahrani\u010d\u00ed va\u0161e v\u00fdkony m\u016f\u017ee klasifikovat jinak. A pr\u00e1v\u011b z\u00e1sah vrtuln\u00edkem \u010di p\u0159evoz do nemocnice b\u00fdv\u00e1 jednou z nejdra\u017e\u0161\u00edch polo\u017eek, pokud nem\u00e1te sjednan\u00e9 specializovan\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed. \ud83c\udfd6\ufe0f Vyr\u00e1\u017e\u00edte na dovolenou karavanem? P\u0159e\u010dt\u011bte si \u010dl\u00e1nek o poji\u0161t\u011bn\u00ed karavan\u016f. Elektrokola a jejich rizika: nejen nehody, ale i odpov\u011bdnost Rychl\u00e1, t\u011b\u017e\u0161\u00ed ne\u017e klasick\u00e1 kola a \u010d\u00edm [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":2611,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[170,172,171,164],"class_list":["post-2608","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cestovni-pojisteni","tag-cestovni-pojisteni","tag-elektrokolo","tag-pojisteni-mazlicku","tag-tomas-klapa"],"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>Cestovn\u00ed poji\u0161t\u011bn\u00ed: elektrokola, vysokohorsk\u00e1 turistika i mazl\u00ed\u010dci<\/title>\n<meta name=\"description\" content=\"Cestovn\u00ed poji\u0161t\u011bn\u00ed: jak si spr\u00e1vn\u011b 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Voln\u00fd \u010das v\u011bnuje p\u0159edev\u0161\u00edm rodin\u011b \u2013 se svou man\u017eelkou podporuj\u00ed dva dosp\u00edvaj\u00edc\u00ed syny ve studiu i sportu.","url":"https:\/\/www.fingo.cz\/blog\/author\/tomas-klapa\/"}]}},"_links":{"self":[{"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/posts\/2608","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/users\/26"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/comments?post=2608"}],"version-history":[{"count":3,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/posts\/2608\/revisions"}],"predecessor-version":[{"id":2612,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/posts\/2608\/revisions\/2612"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/media\/2611"}],"wp:attachment":[{"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2608"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2608"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2608"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}