Ak ste presved\u010den\u00fd, \u017ee sa v\u00e1m havarijn\u00e9 poistenie neoplat\u00ed z d\u00f4vodu veku vozidla, no radi cestujete na dovolenku do zahrani\u010dia autom, zv\u00e1\u017ete poistenie n\u00e1kladov spojen\u00fdch s poruchou alebo nehodou, aby ste nezostali bez krytia.<\/p>\n
M\u00e1te star\u0161ie vozidlo a havarijn\u00e9 poistenie u\u017e neuzatv\u00e1rate, preto\u017ee s klesaj\u00facou hodnotou auta by sa v\u00e1m nevyplatilo? Mnoh\u00ed motoristi si neuvedomuj\u00fa, \u017ee t\u00fdm prich\u00e1dzaj\u00fa o asisten\u010dn\u00e9 slu\u017eby. Tie s\u00fa pritom \u010dasto prvou a najd\u00f4le\u017eitej\u0161ou pomocou v pr\u00edpade poruchy alebo nehody. Ak radi jazd\u00edte autom na dovolenky do zahrani\u010dia, poistenie n\u00e1kladov spojen\u00fdch s ne\u010dakan\u00fdmi probl\u00e9mami je na nezaplatenie.<\/p>\n
Mohlo by v\u00e1s zauj\u00edma\u0165:<\/p>\n
Reklama<\/p>\n
\u201eHlavnou \u00falohou asistencie je zabezpe\u010di\u0165 vodi\u010dovi okam\u017eit\u00fa pomoc priamo na ceste. Kvalitn\u00e1 slu\u017eba znamen\u00e1, \u017ee pois\u0165ov\u0148a nezabezpe\u010d\u00ed len odtiahnutie vozidla, ale pom\u00f4\u017ee vyrie\u0161i\u0165 cel\u00fa situ\u00e1ciu \u2013 od organiz\u00e1cie servisu a\u017e po dopravu pos\u00e1dky alebo ubytovanie,\u201c upozor\u0148uje Jozef Plaj, garant pre ne\u017eivotn\u00e9 poistenie zo spolo\u010dnosti UNIVERSAL makl\u00e9rsky dom.<\/p>\n
\u00a0Ako dod\u00e1va, mnoh\u00ed vodi\u010di pritom pri v\u00fdbere poistenia porovn\u00e1vaj\u00fa najm\u00e4 cenu. Pr\u00e1ve rozsah asisten\u010dn\u00fdch slu\u017eieb v\u0161ak rozhoduje o tom, \u010di bude poistka v kritickej situ\u00e1cii skuto\u010dne u\u017eito\u010dn\u00e1.<\/p>\n
S \u010d\u00edm vodi\u010di potrebuj\u00fa pomoc naj\u010dastej\u0161ie?<\/p>\n
Kvalitn\u00e1 asistencia dok\u00e1\u017ee pos\u00e1dke zachr\u00e1ni\u0165 nervy, \u010das aj peniaze. Ako ukazuj\u00fa dlhodob\u00e9 \u00fadaje, vodi\u010di potrebuj\u00fa naj\u010dastej\u0161ie pom\u00f4c\u0165 s odtiahnut\u00edm nepojazdn\u00e9ho vozidla do najbli\u017e\u0161ieho servisu alebo na miesto ur\u010den\u00e9 v poistn\u00fdch podmienkach.<\/p>\n
\u201e\u010ealej je \u010dasto vyu\u017e\u00edvan\u00e1 aj repatri\u00e1cia, teda prevoz vozidla a pos\u00e1dky domov, ak oprava v zahrani\u010d\u00ed nie je mo\u017en\u00e1 v primeranom \u010dase. Pri drobn\u00fdch poruch\u00e1ch je to tie\u017e oprava priamo na mieste \u2013 napr\u00edklad vybit\u00e9 bat\u00e9rie, defekty pneumat\u00edk alebo men\u0161ie elektronick\u00e9 chyby,\u201c pokra\u010duje Jozef Plaj.<\/p>\n
Ak oprava trv\u00e1 dlh\u0161ie, z\u00e1ujem je o zabezpe\u010denie n\u00e1hradn\u00e9ho vozidla, ubytovanie alebo pokra\u010dovanie v ceste vlakom \u010di autobusom. V dovolenkovej sez\u00f3ne sa vodi\u010dom be\u017ene prihod\u00ed natankovanie nespr\u00e1vneho paliva a pomoc potrebuj\u00fa aj pri strate k\u013e\u00fa\u010dov od vozidla.<\/p>\n
Aj preto sa pri v\u00fdbere pon\u00fak pois\u0165ovn\u00ed zamerajte najm\u00e4 na d\u00f4le\u017eit\u00e9 parametre.<\/p>\n
\u201eJedn\u00fdm z nich je, \u010di pois\u0165ov\u0148a poskytuje asistenciu len na slovensk\u00fdch cest\u00e1ch alebo aj v Eur\u00f3pe. Pri v\u00fdbere zv\u00e1\u017ete, ak\u00e9 poskytuje limity pri odtiahnut\u00ed vozidla, \u010di s\u00fa vyjadren\u00e9 v kilometroch alebo finan\u010dne. Pri dlh\u0161\u00edch dovolenkov\u00fdch cest\u00e1ch m\u00f4\u017ee by\u0165 najv\u00e4\u010d\u0161\u00edm probl\u00e9mom technick\u00e1 porucha, preto tie\u017e porovnajte, \u010di asistencia pom\u00e1ha aj pri poruche, alebo len pri nehode, a ak\u00fd rozsah slu\u017eieb pon\u00faka pre pos\u00e1dku, napr\u00edklad \u010di aj n\u00e1hradn\u00e9 vozidlo, ubytovanie, pokra\u010dovanie v ceste a pod. Ve\u013emi d\u00f4le\u017eit\u00fdm parametrom kvality poistenia tie\u017e je, \u010di pois\u0165ov\u0148a v r\u00e1mci asistencie pon\u00faka nonstop linku v slovenskom jazyku,\u201c hovor\u00ed Jozef Plaj s t\u00fdm, \u017ee pr\u00e1ve v t\u00fdchto parametroch sa jednotliv\u00e9 pois\u0165ovne v\u00fdrazne odli\u0161uj\u00fa.<\/p>\n
Kvalitn\u00e1 asistencia by mala vedie\u0165 zabezpe\u010di\u0165 opravu na mieste, odtiahnutie do servisu, n\u00e1hradn\u00e9 vozidlo, pokra\u010dovanie v ceste, pr\u00edpadne repatri\u00e1ciu vozidla na Slovensko, ak oprava v zahrani\u010d\u00ed nie je mo\u017en\u00e1 alebo by bola neprimerane zd\u013ahav\u00e1.<\/p>\n
Ako poisti\u0165 star\u0161ie auto bez havarijky?<\/p>\n
A hoci hodnota star\u0161ieho auta kles\u00e1, vodi\u010di nemusia osta\u0165 bez ochrany. \u201eV\u00e4\u010d\u0161ina pois\u0165ovn\u00ed dnes pon\u00faka roz\u0161\u00edren\u00e9 asisten\u010dn\u00e9 slu\u017eby, ako pripoistenie k povinn\u00e9mu zmluvn\u00e9mu poisteniu (PZP) alebo k cestovn\u00e9mu poisteniu,\u201c upozor\u0148uje odborn\u00edk. \u010eal\u0161ou mo\u017enos\u0165ou je samostatn\u00e9 poistenie asisten\u010dn\u00fdch slu\u017eieb pre motorov\u00e9 vozidlo.<\/p>\n
Toto poistenie s\u00edce m\u00f4\u017ee vyu\u017ei\u0165 ka\u017ed\u00fd vodi\u010d, no najv\u00e4\u010d\u0161\u00ed v\u00fdznam m\u00e1 pr\u00e1ve pre majite\u013eov star\u0161\u00edch \u00e1ut, ktor\u00e9 s\u00fa n\u00e1chylnej\u0161ie na technick\u00e9 poruchy.<\/p>\n
\u201eTak\u00e9to pripoistenie zvy\u010dajne zah\u0155\u0148a odtiahnutie vozidla pri nehode aj poruche, opravu na mieste, pomoc pri defekte alebo vybitej bat\u00e9rii, dovoz paliva alebo pomoc pri natankovan\u00ed nespr\u00e1vneho paliva, otvorenie vozidla pri zabuchnut\u00fdch k\u013e\u00fa\u010doch, n\u00e1hradn\u00e9 vozidlo alebo ubytovanie pri dlh\u0161ej oprave, \u010di pr\u00e1vne alebo informa\u010dn\u00e9 poradenstvo,\u201c spres\u0148uje.<\/p>\n
Na druhej strane treba po\u010d\u00edta\u0165 s limitmi. Tak\u00e1to asistencia spravidla nekryje pravideln\u00fa \u00fadr\u017ebu, opakovan\u00e9 poruchy z d\u00f4vodu zanedban\u00e9ho technick\u00e9ho stavu ani situ\u00e1cie, ktor\u00e9 vznikli \u00famyselne \u010di hrubou nedbanlivos\u0165ou. Rozsah krytia sa aj tu medzi pois\u0165ov\u0148ami l\u00ed\u0161i, preto je dobr\u00e9 pozrie\u0165 si poistn\u00e9 podmienky e\u0161te pred uzatvoren\u00edm poistenia, pr\u00edpadne sa poradi\u0165 s finan\u010dn\u00fdm odborn\u00edkom.<\/p>\n
Pozor na pasce v zahrani\u010d\u00ed<\/p>\n
A nezab\u00fadajte, v zahrani\u010d\u00ed je kvalitn\u00e1 asistencia doslova nutnos\u0165ou. Odborn\u00e1 pomoc odb\u00fara jazykov\u00fa bari\u00e9ru, neznalos\u0165 miestnych predpisov aj riziko obrovsk\u00fdch n\u00e1kladov za odtiahnutie auta. Riziko v\u0161ak \u010d\u00edha aj tam, kde by ste ho ne\u010dakali.<\/p>\n
\u201eAktu\u00e1lne sa diskutuje napr\u00edklad o situ\u00e1cii v Taliansku, kde sa po cest\u00e1ch pohybuje vysok\u00fd po\u010det nepoisten\u00fdch vozidiel. Ak by slovensk\u00fd vodi\u010d utrpel nehodu s tak\u00fdmto motoristom, vym\u00e1hanie \u0161kody m\u00f4\u017ee by\u0165 zd\u013ahav\u00e9 a administrat\u00edvne mimoriadne n\u00e1ro\u010dn\u00e9,\u201c kon\u0161tatuje Jozef Plaj. Kvalitn\u00e1 asistencia v takom pr\u00edpade prevezme komunik\u00e1ciu s miestnymi partnermi, zabezpe\u010d\u00ed pr\u00e1vne \u010di tlmo\u010dn\u00edcke poradenstvo a zorganizuje \u010fal\u0161\u00ed postup.<\/p>\n
\u201ePred odchodom na dovolenku preto odpor\u00fa\u010dam skontrolova\u0165 nielen platnos\u0165 PZP \u010di havarijn\u00e9ho poistenia, ale najm\u00e4 rozsah asisten\u010dn\u00fdch slu\u017eieb. Rozdiel v cene b\u00fdva \u010dasto len nieko\u013eko eur ro\u010dne, no v pr\u00edpade komplik\u00e1ci\u00ed v zahrani\u010d\u00ed v\u00e1m to u\u0161etr\u00ed stovky a\u017e tis\u00edce eur a v\u00fdrazne zn\u00ed\u017ei stres z celej situ\u00e1cie,\u201c dod\u00e1va garant pre ne\u017eivotn\u00e9 poistenie UNIVERSAL makl\u00e9rsky dom Jozef Plaj.
Sledujte n\u00e1\u0161 Facebook<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Ak ste presved\u010den\u00fd, \u017ee sa v\u00e1m havarijn\u00e9 poistenie neoplat\u00ed z d\u00f4vodu veku vozidla, no radi cestujete na dovolenku…\n","protected":false},"author":2,"featured_media":163464,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[6],"tags":[46148,43,40,44,39,42,45,41,6153],"class_list":["post-163463","post","type-post","status-publish","format-standard","has-post-thumbnail","category-slovensko","tag-havarijne-poistenie","tag-sk","tag-slovak","tag-slovak-republic","tag-slovakia","tag-slovencina","tag-slovenska-republika","tag-slovensko","tag-tipy-a-triky"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@sk\/117171490778470859","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/163463","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/comments?post=163463"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/163463\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/163464"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=163463"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=163463"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=163463"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}