{"id":2713,"date":"2025-11-03T10:21:03","date_gmt":"2025-11-03T09:21:03","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2713"},"modified":"2025-11-04T12:54:08","modified_gmt":"2025-11-04T11:54:08","slug":"pojisteni-elektromobilu-nejvetsi-rizika-a-na-co-si-dat-pozor","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/pojisteni-elektromobilu-nejvetsi-rizika-a-na-co-si-dat-pozor\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed elektromobilu: nejv\u011bt\u0161\u00ed rizika a na co si d\u00e1t pozor"},"content":{"rendered":"\n<p><strong>S rostouc\u00edm po\u010dtem elektromobil\u016f a hybrid\u016f na silnic\u00edch se objevuj\u00ed nov\u00e1 rizika a \u0161kody. Poji\u0161t\u011bn\u00ed elektromobilu proto z\u00edsk\u00e1v\u00e1 st\u00e1le v\u011bt\u0161\u00ed v\u00fdznam. Chr\u00e1n\u00ed v\u00e1s p\u0159ed n\u00e1kladn\u00fdmi opravami citliv\u00fdch komponent\u016f, jako jsou baterie \u010di nab\u00edjec\u00ed za\u0159\u00edzen\u00ed, a p\u0159ed probl\u00e9my s dostupnost\u00ed n\u00e1hradn\u00edch d\u00edl\u016f. Bez havarijn\u00edho poji\u0161t\u011bn\u00ed riskujete skute\u010dn\u011b hodn\u011b.<\/strong><\/p>\n\n\n\n<p><strong>Autor \u010dl\u00e1nku:&nbsp;<\/strong><a href=\"https:\/\/www.fingo.cz\/blog\/author\/tomas-klapa\/\">Tom\u00e1\u0161 Kl\u00e1pa<\/a>, senior specialista pro majetkov\u00e9 poji\u0161t\u011bn\u00ed a SME<\/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-co-v-echno-kryje-havarijn-poji-t-n-elektromobilu\">Co v\u0161echno kryje havarijn\u00ed poji\u0161t\u011bn\u00ed elektromobilu?<\/a><\/li><li class=\"\"><a href=\"#htoc-cenov-rozd-ly-v-poji-ovn-ch-jsou-v-razn\">Cenov\u00e9 rozd\u00edly v poji\u0161\u0165ovn\u00e1ch jsou v\u00fdrazn\u00e9<\/a><\/li><li class=\"\"><a href=\"#htoc-od-eho-se-odv-j-cena-poji-t-n\">Od \u010deho se odv\u00edj\u00ed cena poji\u0161t\u011bn\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-nej-ast-j-ot-zky-faq\">Nej\u010dast\u011bj\u0161\u00ed ot\u00e1zky (FAQ)<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><li class=\"\"><a href=\"#htoc-najdeme-pro-v-s-to-nejv-hodn-j-havarijn-poji-t-n\">Najdeme pro v\u00e1s to nejv\u00fdhodn\u011bj\u0161\u00ed havarijn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-co-v-echno-kryje-havarijn-poji-t-n-elektromobilu\"><strong>Co v\u0161echno kryje havarijn\u00ed poji\u0161t\u011bn\u00ed elektromobilu?<\/strong><\/h2>\n\n\n\n<p><strong>Z\u00e1kladn\u00ed rizika:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-hav-rie\">hav\u00e1rie<\/li>\n\n\n\n<li id=\"htoc-ivel\">\u017eivel<\/li>\n\n\n\n<li id=\"htoc-vandalismus\">vandalismus<\/li>\n\n\n\n<li id=\"htoc-kr-de\">kr\u00e1de\u017e<\/li>\n<\/ul>\n\n\n\n<p><strong>Dal\u0161\u00ed rizika, kter\u00e1 si m\u016f\u017eete p\u0159ipojistit:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-po-kozen-nab-jec-v-bavy-kabely-adapt-ry-nab-je-ky\">po\u0161kozen\u00ed nab\u00edjec\u00ed v\u00fdbavy (kabely, adapt\u00e9ry, nab\u00edje\u010dky)<\/li>\n\n\n\n<li id=\"htoc-kody-na-vysokonap-ov-baterii-po-r-v-buch-kr-de-zkrat\">\u0161kody na vysokonap\u011b\u0165ov\u00e9 baterii (po\u017e\u00e1r, v\u00fdbuch, kr\u00e1de\u017e, zkrat)<\/li>\n\n\n\n<li id=\"htoc-po-kozen-wallboxu-i-kdy-je-pouze-pronajat-proti-rizik-m-n-raz-vozidla-vandalismus-kr-de-exploze-a-samovzn-cen-zkrat-p-ep-t-vada-izolace-indukce-zp-soben-bleskem-iveln-ud-lost-mr-z-konstruk-n-vada-vada-materi-lu-a-v-robn-vada\">po\u0161kozen\u00ed wallboxu, i kdy\u017e ho m\u00e1te pouze pronajat\u00fd \u2013 proti rizik\u016fm n\u00e1raz vozidla, vandalismus, kr\u00e1de\u017e, exploze a samovzn\u00edcen\u00ed, zkrat, p\u0159ep\u011bt\u00ed, vada izolace, indukce zp\u016fsoben\u00e1 bleskem, \u017eiveln\u00e1 ud\u00e1lost, mr\u00e1z, konstruk\u010dn\u00ed vada, vada materi\u00e1lu a v\u00fdrobn\u00ed vada<\/li>\n<\/ul>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">\ud83d\ude98 <a href=\"https:\/\/www.fingo.cz\/blog\/jak-spravne-nahlasit-autonehodu-pojistovne-a-vyhnout-se-nejcastejsim-chybam\/\">Jak spr\u00e1vn\u011b nahl\u00e1sit autonehodu poji\u0161\u0165ovn\u011b a vyhnout se nej\u010dast\u011bj\u0161\u00edm chyb\u00e1m<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-cenov-rozd-ly-v-poji-ovn-ch-jsou-v-razn\"><strong>Cenov\u00e9 rozd\u00edly v poji\u0161\u0165ovn\u00e1ch jsou v\u00fdrazn\u00e9<\/strong><\/h2>\n\n\n\n<p>Cenov\u00fd rozd\u00edl mezi <strong>havarijn\u00edm poji\u0161t\u011bn\u00edm elektromobil\u016f<\/strong> a spalovac\u00edch aut p\u0159i z\u00e1kladn\u00edm kryt\u00ed poji\u0161t\u011bn\u00ed nen\u00ed v\u00fdrazn\u00fd. Ale pokud chcete m\u00edt kryt\u00e9 i dal\u0161\u00ed rizika souvisej\u00edc\u00ed v\u00fdslovn\u011b s bateri\u00ed, jako je nap\u0159\u00edklad zkrat, p\u0159ep\u011bt\u00ed nebo po\u0161kozen\u00ed nab\u00edjec\u00edch kabel\u016f vlivem provozn\u00edch chyb b\u011bhem nab\u00edjen\u00ed, v n\u011bkter\u00fdch poji\u0161\u0165ovn\u00e1ch se celkov\u00e9 pojistn\u00e9 m\u016f\u017ee nav\u00fd\u0161it i o n\u011bkolik tis\u00edc korun.<\/p>\n\n\n\n<p>Rozd\u00edly v cen\u00e1ch pojistky pro ten sam\u00fd elektromobil v\u0161ak mezi poji\u0161\u0165ovnami b\u00fdvaj\u00ed pom\u011brn\u011b velk\u00e9. Pokud se pod\u00edv\u00e1me nap\u0159\u00edklad na<strong> <a href=\"https:\/\/www.fingo.cz\/hlidac-autopojisteni\">poji\u0161t\u011bn\u00ed<\/a> pro elektromobil<\/strong> Tesla Model 3 rok v\u00fdroby 2021 s pojistnou \u010d\u00e1stkou 600 000 K\u010d, tak 25let\u00fd bez\u0161kodov\u00fd \u0159idi\u010d za <strong>havarijn\u00ed poji\u0161t\u011bn\u00ed<\/strong> v r\u016fzn\u00fdch poji\u0161\u0165ovn\u00e1ch zaplat\u00ed p\u0159ibli\u017en\u011b od 35 000 K\u010d do 80 000 K\u010d ro\u010dn\u011b. Star\u0161\u00ed, 50let\u00fd zku\u0161en\u00fd \u0159idi\u010d zaplat\u00ed v\u00fdrazn\u011b m\u00e9n\u011b &#8211; od 23.000K\u010d&nbsp; do 57.000K\u010d ro\u010dn\u011b. U pr\u00e1vnick\u00e9 osoby se pojistn\u00e9 obvykle pohybuje v rozmez\u00ed 25 000 K\u010d a\u017e 70 000 K\u010d.<\/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\/2025\/11\/image.png\" alt=\"Poji\u0161t\u011bn\u00ed elektromobilu - srovn\u00e1n\u00ed pro Tesla Model 3\" class=\"wp-image-2714\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/11\/image.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/11\/image-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/11\/image-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-od-eho-se-odv-j-cena-poji-t-n\"><strong>Od \u010deho se odv\u00edj\u00ed cena poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p><strong>Rozd\u00edly v cen\u00e1ch poji\u0161t\u011bn\u00ed<\/strong> vznikaj\u00ed i politikou konkr\u00e9tn\u00edch poji\u0161\u0165oven, v\u00fd\u0161\u00ed spolu\u00fa\u010dasti \u010di zvolen\u00fdmi p\u0159ipoji\u0161t\u011bn\u00edmi.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-ka-d-poji-ovna-m-toti-vlastn-strategii-koho-chce-pojistit-a-za-jak-ch-podm-nek\">Ka\u017ed\u00e1 poji\u0161\u0165ovna m\u00e1 toti\u017e vlastn\u00ed strategii, koho chce pojistit a za jak\u00fdch podm\u00ednek.<\/li>\n\n\n\n<li id=\"htoc-nap-klad-mlad-idi-i-v-n-kter-ch-poji-ovn-ch-mohou-narazit-na-vysok-pojistn-zat-mco-jinde-jim-nab-dnou-p-ijateln-j-cenu\">Nap\u0159\u00edklad mlad\u00ed \u0159idi\u010di v n\u011bkter\u00fdch poji\u0161\u0165ovn\u00e1ch mohou narazit na vysok\u00e9 pojistn\u00e9, zat\u00edmco jinde jim nab\u00eddnou p\u0159ijateln\u011bj\u0161\u00ed cenu.<\/li>\n\n\n\n<li id=\"htoc-trval-bydli-t-vlastn-ka-provozovatele-m-tak-vliv-na-v-po-et-pojistn-ho\">Trval\u00e9 bydli\u0161t\u011b vlastn\u00edka\/provozovatele m\u00e1 tak\u00e9 vliv na v\u00fdpo\u010det pojistn\u00e9ho.<\/li>\n\n\n\n<li id=\"htoc-rozhoduje-i-typ-auta-n-kter-poji-ovny-mohou-odm-tnout-kr-t-havarijn-vozidla-speci-ln-ch-zna-ek-nebo-zna-ek-bez-autorizovan-ho-prodejce-servisu-v-esk-republice\">Rozhoduje i typ auta. N\u011bkter\u00e9 poji\u0161\u0165ovny mohou odm\u00edtnout kr\u00fdt havarijn\u011b vozidla speci\u00e1ln\u00edch zna\u010dek, nebo zna\u010dek bez autorizovan\u00e9ho prodejce\/servisu v \u010cesk\u00e9 republice.<\/li>\n\n\n\n<li id=\"htoc-kodn-pr-b-h-klienta-zna-n-ovliv-uje-v-sledn-pojistn\">\u0160kodn\u00ed pr\u016fb\u011bh klienta zna\u010dn\u011b ovliv\u0148uje v\u00fdsledn\u00e9 pojistn\u00e9<\/li>\n<\/ul>\n\n\n\n<p><strong>TIP: <\/strong>Havarijn\u00ed poji\u0161t\u011bn\u00ed je povinnost\u00ed v p\u0159\u00edpad\u011b, \u017ee vozidlo financujete na leasing nebo \u00fav\u011br. V takov\u00e9m p\u0159\u00edpad\u011b ho vy\u017eaduje leasingov\u00e1 nebo \u00fav\u011brov\u00e1 spole\u010dnost a pokud dojde k pojistn\u00e9 ud\u00e1losti, pln\u011bn\u00ed putuje p\u0159\u00edmo v\u011b\u0159iteli.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">\ud83c\udfe1 <a href=\"https:\/\/www.fingo.cz\/blog\/jak-pojistit-fotovoltaicky-system\/\">Jak pojistit fotovoltaiku a na co si d\u00e1t pozor?<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_accident_insurance\" src=\"https:\/\/www.fingo.cz\/banner\/general?type=accident_insurance\" style=\"height: 265px; min-height: 265px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-nej-ast-j-ot-zky-faq\"><strong>Nej\u010dast\u011bj\u0161\u00ed ot\u00e1zky (FAQ)<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-je-povinn-m-t-havarijn-poji-t-n-pro-elektromobil\"><strong>Je povinn\u00e9 m\u00edt havarijn\u00ed poji\u0161t\u011bn\u00ed pro elektromobil?<\/strong><\/h3>\n\n\n\n<p><strong>Havarijn\u00ed poji\u0161t\u011bn\u00ed<\/strong> nen\u00ed povinn\u00e9 pro v\u0161echny elektromobily. Povinn\u00e9 je pouze v p\u0159\u00edpad\u011b, \u017ee auto financujete prost\u0159ednictv\u00edm leasingu nebo \u00fav\u011bru. V takov\u00e9m p\u0159\u00edpad\u011b po\u017eaduje poji\u0161t\u011bn\u00ed leasingov\u00e1 nebo \u00fav\u011brov\u00e1 spole\u010dnost.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-kter-poji-ovna-je-pro-poji-t-n-elektroauta-nejlep\"><strong>Kter\u00e1 poji\u0161\u0165ovna je pro poji\u0161t\u011bn\u00ed elektroauta nejlep\u0161\u00ed?<\/strong><\/h3>\n\n\n\n<p>Vybran\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed pro elektroauto ned\u011blaj\u00ed v\u0161echny poji\u0161\u0165ovny na trhu. Nejlep\u0161\u00ed je obr\u00e1tit se na poradce, kter\u00fd m\u016f\u017ee nab\u00edzet v\u00edce poji\u0161\u0165oven a zn\u00e1 detaily, tak\u017ee dok\u00e1\u017ee dob\u0159e vybrat vhodn\u00e9 poji\u0161t\u011bn\u00ed p\u0159\u00edmo pro va\u0161e auto.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-m-e-se-cena-havarijn-ho-poji-t-n-elektromobilu-li-it-podle-v-ku-idi-e\"><strong>M\u016f\u017ee se cena havarijn\u00edho poji\u0161t\u011bn\u00ed elektromobilu li\u0161it podle v\u011bku \u0159idi\u010de?<\/strong><\/h3>\n\n\n\n<p>Ano, star\u0161\u00ed a zku\u0161en\u011bj\u0161\u00ed \u0159idi\u010d zaplat\u00ed za havarijn\u00ed poji\u0161t\u011bn\u00ed v\u00fdrazn\u011b m\u00e9n\u011b. Mlad\u00ed \u0159idi\u010di mohou platit vy\u0161\u0161\u00ed pojistn\u00e9, zejm\u00e9na pokud poji\u0161\u0165ovna vych\u00e1z\u00ed z jejich v\u011bku a bez\u0161kodovosti.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-jak-je-rozd-l-mezi-havarijn-m-poji-t-n-m-elektromobilu-a-poji-t-n-m-b-n-ho-auta\"><strong>Jak\u00fd je rozd\u00edl mezi havarijn\u00edm poji\u0161t\u011bn\u00edm elektromobilu a poji\u0161t\u011bn\u00edm b\u011b\u017en\u00e9ho auta?<\/strong><\/h3>\n\n\n\n<p>Spr\u00e1vn\u011b zvolen\u00e9 havarijn\u00ed poji\u0161t\u011bn\u00ed elektromobilu zahrnuje dodate\u010dn\u00e9 kryt\u00ed pro specifick\u00e9 komponenty, jako je <strong>baterie<\/strong> nebo <strong>nab\u00edjec\u00ed za\u0159\u00edzen\u00ed<\/strong>, kter\u00e9 nejsou sou\u010d\u00e1st\u00ed b\u011b\u017en\u00e9ho poji\u0161t\u011bn\u00ed pro spalovac\u00ed vozidla. To znamen\u00e1, \u017ee poji\u0161t\u011bn\u00ed pro elektromobily b\u00fdv\u00e1 o n\u011bco dra\u017e\u0161\u00ed, ale zaji\u0161\u0165uje pokryt\u00ed rizik specifick\u00fdch pro tyto vozy.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-co-je-zahrnuto-v-poji-t-n-nab-jec-infrastruktury-elektromobilu\"><strong>Co je zahrnuto v poji\u0161t\u011bn\u00ed nab\u00edjec\u00ed infrastruktury elektromobilu?<\/strong><\/h3>\n\n\n\n<p><strong>Poji\u0161t\u011bn\u00ed elektromobilu <\/strong>m\u016f\u017ee zahrnovat kryt\u00ed pro <strong>wallbox<\/strong> (nab\u00edjec\u00ed stanici), v\u010detn\u011b rizik jako je <strong>po\u0161kozen\u00ed<\/strong> nebo <strong>kr\u00e1de\u017e <\/strong>nab\u00edjec\u00edho za\u0159\u00edzen\u00ed, <strong>po\u0161kozen\u00ed kabel\u016f<\/strong> nebo <strong>zkrat v nab\u00edjec\u00ed infrastruktu\u0159e<\/strong>. Podm\u00ednky a rozsah pokryt\u00ed se mohou li\u0161it podle poji\u0161\u0165ovny.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-jak-zjist-m-zda-je-poji-t-n-elektromobilu-dostate-n\"><strong>Jak zjist\u00edm, zda je poji\u0161t\u011bn\u00ed elektromobilu dostate\u010dn\u00e9?<\/strong><\/h3>\n\n\n\n<p>Je d\u016fle\u017eit\u00e9 se zam\u011b\u0159it na podm\u00ednky poji\u0161t\u011bn\u00ed a p\u0159ipoji\u0161t\u011bn\u00ed, kter\u00e1 pokr\u00fdvaj\u00ed specifick\u00e1 rizika elektromobil\u016f (nap\u0159. <strong>po\u0161kozen\u00ed baterie<\/strong>, <strong>nab\u00edjen\u00ed<\/strong>, <strong>kr\u00e1de\u017e nab\u00edjec\u00edho za\u0159\u00edzen\u00ed<\/strong>). Doporu\u010dujeme konzultaci s odborn\u00edkem nebo makl\u00e9\u0159em, kter\u00fd v\u00e1m pom\u016f\u017ee naj\u00edt optim\u00e1ln\u00ed pokryt\u00ed pro v\u00e1\u0161 konkr\u00e9tn\u00ed elektromobil.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-jak-mohu-u-et-it-na-poji-t-n-elektromobilu\"><strong>Jak mohu u\u0161et\u0159it na poji\u0161t\u011bn\u00ed elektromobilu?<\/strong><\/h3>\n\n\n\n<p>Porovnejte si nab\u00eddky od v\u00edce poji\u0161\u0165oven. Ceny se mohou li\u0161it v z\u00e1vislosti na <strong>spolu\u00fa\u010dasti<\/strong>, <strong>p\u0159ipoji\u0161t\u011bn\u00ed<\/strong> a <strong>v\u00fdb\u011bru specifick\u00fdch kryt\u00ed<\/strong>. Tak\u00e9 m\u016f\u017eete z\u00edskat slevu za <strong>bez\u0161kodov\u00fd pr\u016fb\u011bh<\/strong> nebo <strong>kombinaci s jin\u00fdm poji\u0161t\u011bn\u00edm<\/strong> (nap\u0159. poji\u0161t\u011bn\u00ed dom\u00e1cnosti).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-je-mo-n-poji-t-n-elektromobilu-uzav-t-online\"><strong>Je mo\u017en\u00e9 poji\u0161t\u011bn\u00ed elektromobilu uzav\u0159\u00edt online?<\/strong><\/h3>\n\n\n\n<p>Ano, mnoho poji\u0161\u0165oven umo\u017e\u0148uje uzav\u0159en\u00ed poji\u0161t\u011bn\u00ed elektromobilu online. Nicm\u00e9n\u011b doporu\u010dujeme porovnat nab\u00eddky na r\u016fzn\u00fdch platform\u00e1ch a, pokud m\u00e1te specifick\u00e9 po\u017eadavky, obr\u00e1tit se na odborn\u00edky, kte\u0159\u00ed v\u00e1m pomohou naj\u00edt nejlep\u0161\u00ed nab\u00eddku.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-najdeme-pro-v-s-to-nejv-hodn-j-havarijn-poji-t-n\"><strong>Najdeme pro v\u00e1s to nejv\u00fdhodn\u011bj\u0161\u00ed havarijn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p>A\u0165 u\u017e vlastn\u00edte klasick\u00e9 auto, nebo elektromobil, nezapome\u0148te, \u017ee kvalitn\u00ed pojistn\u00e9 kryt\u00ed v\u00e1m \u0161et\u0159\u00ed nejen pen\u00edze, ale i stres. A\u010dkoliv je porovn\u00e1n\u00ed nab\u00eddek od n\u011bkolika poji\u0161\u0165oven dnes jednoduch\u00e9 a dostupn\u00e9 online, p\u0159i specifick\u00fdch vozidlech se vyplat\u00ed poradit se se zku\u0161en\u00fdm makl\u00e9\u0159em.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.fingo.cz\/kontakty\">Poradci z FinGO<\/a> maj\u00ed p\u0159ehled o podm\u00ednk\u00e1ch v\u0161ech poji\u0161\u0165oven na trhu, znaj\u00ed detaily i v\u00fdjimky. R\u00e1di pomohou vybrat to nejv\u00fdhodn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed auta i v\u00e1m. A\u0165 u\u017e jde o povinn\u00e9 ru\u010den\u00ed nebo o havarijn\u00ed poji\u0161t\u011bn\u00ed, m\u016f\u017eete se na n\u00e1s kdykoliv obr\u00e1tit.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>S rostouc\u00edm po\u010dtem elektromobil\u016f a hybrid\u016f na silnic\u00edch se objevuj\u00ed nov\u00e1 rizika a \u0161kody. Poji\u0161t\u011bn\u00ed elektromobilu proto z\u00edsk\u00e1v\u00e1 st\u00e1le v\u011bt\u0161\u00ed v\u00fdznam. Chr\u00e1n\u00ed v\u00e1s p\u0159ed n\u00e1kladn\u00fdmi opravami citliv\u00fdch komponent\u016f, jako jsou baterie \u010di nab\u00edjec\u00ed za\u0159\u00edzen\u00ed, a p\u0159ed probl\u00e9my s dostupnost\u00ed n\u00e1hradn\u00edch d\u00edl\u016f. Bez havarijn\u00edho poji\u0161t\u011bn\u00ed riskujete skute\u010dn\u011b hodn\u011b. Autor \u010dl\u00e1nku:&nbsp;Tom\u00e1\u0161 Kl\u00e1pa, senior specialista pro majetkov\u00e9 poji\u0161t\u011bn\u00ed a SME Co v\u0161echno kryje havarijn\u00ed poji\u0161t\u011bn\u00ed elektromobilu? Z\u00e1kladn\u00ed rizika: Dal\u0161\u00ed rizika, kter\u00e1 si m\u016f\u017eete p\u0159ipojistit: \ud83d\ude98 Jak spr\u00e1vn\u011b nahl\u00e1sit autonehodu poji\u0161\u0165ovn\u011b a vyhnout se nej\u010dast\u011bj\u0161\u00edm chyb\u00e1m Cenov\u00e9 rozd\u00edly v poji\u0161\u0165ovn\u00e1ch jsou v\u00fdrazn\u00e9 Cenov\u00fd rozd\u00edl mezi havarijn\u00edm poji\u0161t\u011bn\u00edm elektromobil\u016f a spalovac\u00edch aut p\u0159i z\u00e1kladn\u00edm kryt\u00ed poji\u0161t\u011bn\u00ed nen\u00ed v\u00fdrazn\u00fd. Ale pokud chcete m\u00edt kryt\u00e9 i dal\u0161\u00ed rizika souvisej\u00edc\u00ed v\u00fdslovn\u011b s bateri\u00ed, jako je nap\u0159\u00edklad zkrat, p\u0159ep\u011bt\u00ed nebo po\u0161kozen\u00ed nab\u00edjec\u00edch kabel\u016f vlivem provozn\u00edch chyb b\u011bhem nab\u00edjen\u00ed, v n\u011bkter\u00fdch poji\u0161\u0165ovn\u00e1ch se celkov\u00e9 pojistn\u00e9 m\u016f\u017ee nav\u00fd\u0161it i o n\u011bkolik tis\u00edc korun. Rozd\u00edly v cen\u00e1ch pojistky pro ten sam\u00fd elektromobil v\u0161ak mezi poji\u0161\u0165ovnami b\u00fdvaj\u00ed pom\u011brn\u011b velk\u00e9. Pokud se pod\u00edv\u00e1me nap\u0159\u00edklad na poji\u0161t\u011bn\u00ed pro elektromobil Tesla Model 3 rok v\u00fdroby 2021 s pojistnou \u010d\u00e1stkou 600 000 K\u010d, tak 25let\u00fd bez\u0161kodov\u00fd \u0159idi\u010d za havarijn\u00ed poji\u0161t\u011bn\u00ed v r\u016fzn\u00fdch poji\u0161\u0165ovn\u00e1ch zaplat\u00ed p\u0159ibli\u017en\u011b od 35 000 K\u010d do 80 000 K\u010d ro\u010dn\u011b. Star\u0161\u00ed, 50let\u00fd zku\u0161en\u00fd [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":2716,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-2713","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezivotni-pojisteni"],"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>Poji\u0161t\u011bn\u00ed elektromobilu: nejv\u011bt\u0161\u00ed rizika a na co si d\u00e1t pozor - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Poji\u0161t\u011bn\u00ed elektromobilu: jak\u00e1 jsou nejv\u011bt\u0161\u00ed rizika, co v\u0161e kryje havarijn\u00ed poji\u0161t\u011bn\u00ed a jak\u00e9 jsou rozd\u00edly v cen\u00e1ch u jednotliv\u00fdch poji\u0161\u0165oven.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.cz\/blog\/pojisteni-elektromobilu-nejvetsi-rizika-a-na-co-si-dat-pozor\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Poji\u0161t\u011bn\u00ed elektromobilu: nejv\u011bt\u0161\u00ed rizika a na co si d\u00e1t pozor\" \/>\n<meta property=\"og:description\" content=\"Poji\u0161t\u011bn\u00ed elektromobilu: jak\u00e1 jsou nejv\u011bt\u0161\u00ed rizika, co v\u0161e kryje havarijn\u00ed poji\u0161t\u011bn\u00ed a jak\u00e9 jsou rozd\u00edly v cen\u00e1ch u jednotliv\u00fdch poji\u0161\u0165oven.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.cz\/blog\/pojisteni-elektromobilu-nejvetsi-rizika-a-na-co-si-dat-pozor\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog FinGO.cz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fingo.cz\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-03T09:21:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-04T11:54:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/11\/pojisteni_elektromobilu_tesla_2.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1203\" \/>\n\t<meta property=\"og:image:height\" content=\"803\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tom\u00e1\u0161 Kl\u00e1pa\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@fingocz\" \/>\n<meta name=\"twitter:site\" content=\"@fingocz\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tom\u00e1\u0161 Kl\u00e1pa\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/pojisteni-elektromobilu-nejvetsi-rizika-a-na-co-si-dat-pozor\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/pojisteni-elektromobilu-nejvetsi-rizika-a-na-co-si-dat-pozor\\\/\"},\"author\":{\"name\":\"Tom\u00e1\u0161 Kl\u00e1pa\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/person\\\/eb06fbf9d3413d881d63335935c50556\"},\"headline\":\"Poji\u0161t\u011bn\u00ed elektromobilu: nejv\u011bt\u0161\u00ed rizika a na co si d\u00e1t pozor\",\"datePublished\":\"2025-11-03T09:21:03+00:00\",\"dateModified\":\"2025-11-04T11:54:08+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/pojisteni-elektromobilu-nejvetsi-rizika-a-na-co-si-dat-pozor\\\/\"},\"wordCount\":1302,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/pojisteni-elektromobilu-nejvetsi-rizika-a-na-co-si-dat-pozor\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/pojisteni_elektromobilu_tesla_2.png\",\"articleSection\":[\"Ne\u017eivotn\u00ed poji\u0161t\u011bn\u00ed\"],\"inLanguage\":\"cs\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/pojisteni-elektromobilu-nejvetsi-rizika-a-na-co-si-dat-pozor\\\/\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/pojisteni-elektromobilu-nejvetsi-rizika-a-na-co-si-dat-pozor\\\/\",\"name\":\"Poji\u0161t\u011bn\u00ed elektromobilu: nejv\u011bt\u0161\u00ed rizika a na co si d\u00e1t pozor - 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