Cena nov\u00e1, \u010dasov\u00e1 a obvykl\u00e1: Jakou zvolit p\u0159i poji\u0161t\u011bn\u00ed majetku? - Labdo.cz<\/title>\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.labdo.cz\/cena-nova-casova-a-obvykla-jakou-zvolit-pri-pojisteni-majetku\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cena nov\u00e1, \u010dasov\u00e1 a obvykl\u00e1: Jakou zvolit p\u0159i poji\u0161t\u011bn\u00ed majetku? - Labdo.cz\" \/>\n<meta property=\"og:description\" content=\"Pojistn\u00e9 pln\u011bn\u00ed jsou pen\u00edze, kter\u00e9 dostanete od poji\u0161\u0165ovny v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti. Cena va\u0161eho majetku a pota\u017emo obnos, kter\u00fd od poji\u0161\u0165ovny obdr\u017e\u00edte, jsou ale relativn\u00edmi pojmy. 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Pojistn\u00e9 pln\u011bn\u00ed jsou pen\u00edze, kter\u00e9 dostanete od poji\u0161\u0165ovny v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti. Cena va\u0161eho majetku a pota\u017emo obnos, kter\u00fd od poji\u0161\u0165ovny obdr\u017e\u00edte, jsou ale relativn\u00edmi pojmy. N\u011bkter\u00e9 v\u011bci toti\u017e na hodnot\u011b ztr\u00e1c\u00ed, n\u011bkter\u00e9 zase z\u00edsk\u00e1vaj\u00ed. M\u016f\u017ee se tedy velmi jednodu\u0161e st\u00e1t, \u017ee i kdy\u017e v\u00e1m poji\u0161\u0165ovna vyplat\u00ed plnou \u010d\u00e1stku za majetek, kter\u00fd byl kompletn\u011b zni\u010den, finan\u010dn\u00ed obnos st\u00e1le nebude sta\u010dit na to, abyste si ho po\u0159\u00eddili v t\u00e9 sam\u00e9 kvalit\u011b znovu. Jednodu\u0161e proto, \u017ee v\u00e1m byla vyplacena takov\u00e1 cena, kter\u00e1 odr\u00e1\u017eela hodnotu majetku v dob\u011b uzav\u0159en\u00ed poji\u0161t\u011bn\u00ed.<\/strong><\/p>\n\n\n\n

Poji\u0161\u0165ovny rozli\u0161uj\u00ed t\u0159i druhy cen a jejich volba je kl\u00ed\u010dov\u00e1 pro poji\u0161t\u011bn\u00ed jak\u00e9hokoli majetku. Odr\u00e1\u017e\u00ed se od n\u00ed nejen v\u00fd\u0161e pojistn\u00e9, kter\u00e9 budete platit, ale nakonec i v\u00fd\u0161e pojistn\u00e9ho pln\u011bn\u00ed. Ale\u0161 Rothbarth z internetov\u00e9ho srovn\u00e1va\u010de Klik.cz<\/a> vysv\u011btlil rozd\u00edly mezi v\u0161emi druhy cen.<\/p>\n\n\n\n

\nToggle<\/span>
Cena nov\u00e1<\/a><\/li>
Cena obvykl\u00e1<\/a><\/li>
Cena \u010dasov\u00e1<\/a><\/li><\/ul><\/nav><\/div>\n
<\/span>Cena nov\u00e1<\/span><\/h3>\n\n\n\n
Cena nov\u00e1 je takov\u00e1 cena, za kterou lze v dan\u00e9m \u010dase a m\u00edst\u011b po\u0159\u00eddit tut\u00e9\u017e v\u011bc nebo v\u011bc stejn\u00e9ho druhu a hodnoty. \u201eV z\u00e1vislosti na konkr\u00e9tn\u00edch p\u0159\u00edkladech m\u016f\u017ee b\u00fdt tato cena jak vy\u0161\u0161\u00ed, tak ni\u017e\u0161\u00ed ne\u017e cena po\u0159izovac\u00ed. Tak nap\u0159\u00edklad elektronika obecn\u011b na hodnot\u011b ztr\u00e1c\u00ed, a proto m\u00e1 smysl ji poji\u0161\u0165ovat na cenu novou, jeliko\u017e v\u00e1m poji\u0161\u0165ovna vyplat\u00ed takov\u00fd obnos, abyste si v\u011bci stejn\u00e9ho druhu mohli po\u0159\u00eddit znovu. Oproti tomu nemovitosti na hodnot\u011b obvykle z\u00edsk\u00e1vaj\u00ed, stejn\u011b tak staro\u017eitnosti nebo um\u011bn\u00ed. V t\u011bchto p\u0159\u00edpadech se tak nevyplat\u00ed zvolit cenu novou,\u201c vysv\u011btluje Rothbarth<\/p>\n\n\n\n
<\/span>Cena obvykl\u00e1<\/span><\/h3>\n\n\n\n
Obvykl\u00e1 cena je velmi podobn\u00e1 cen\u011b \u010dasov\u00e9. Vyjad\u0159uje cenu, za kterou lze v\u011bc v dan\u00e9m \u010dase a m\u00edst\u011b prodat. Zohled\u0148uje tedy stav na trhu pou\u017eit\u00fdch v\u011bc\u00ed dan\u00e9ho druhu. \u201eNejl\u00e9pe si to vysv\u011btl\u00edme na p\u0159\u00edkladu. Dejme tomu, \u017ee jste v roce 2018 koupili po\u010d\u00edta\u010d za 25 000 K\u010d. Letos ale sho\u0159el p\u0159i po\u017e\u00e1ru a vy m\u00e1te sjednan\u00e9 poji\u0161t\u011bn\u00ed na cenu obvyklou. P\u011bt let star\u00fd po\u010d\u00edta\u010d ov\u0161em nyn\u00ed se\u017eenete za hubi\u010dku, pokud v\u016fbec. Cena tohoto notebooku se tak bl\u00ed\u017e\u00ed skoro nule a od poji\u0161\u0165ovny uvid\u00edte maxim\u00e1ln\u011b p\u00e1r tis\u00edc korun,\u201c \u0159\u00edk\u00e1 Ale\u0161 Rothbarth.<\/p>\n\n\n\n
<\/span>Cena \u010dasov\u00e1<\/span><\/h3>\n\n\n\n
Cena \u010dasov\u00e1 odpov\u00edd\u00e1 hodnot\u011b majetku t\u011bsn\u011b p\u0159ed pojistnou ud\u00e1lost\u00ed. Od po\u0159izovac\u00ed ceny je ode\u010dtena hodnota opot\u0159eben\u00ed \u010di jin\u00e9 znehodnocen\u00ed. \u201eNe nutn\u011b se mus\u00ed ode\u010d\u00edtat. N\u011bkter\u00e9 v\u011bci nap\u0159\u00edklad mohly proj\u00edt modernizac\u00ed nebo byly n\u011bjak upgradov\u00e1ny. Obecn\u011b ale lze \u0159\u00edct, \u017ee \u010dasov\u00e1 cena ani zdaleka nedosahuje ceny nov\u00e9. I tak se ale vyplat\u00ed ji zvolit pr\u00e1v\u011b v p\u0159\u00edpad\u011b, kdy poji\u0161\u0165ujete nemovitost nebo um\u011bn\u00ed, kter\u00e9 z\u00edsk\u00e1vaj\u00ed na hodnot\u011b,\u201c dod\u00e1v\u00e1 Rothbarth.<\/p>\n\n\n\n
P\u0159i sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed<\/a> je pot\u0159eba pe\u010dliv\u011b zv\u00e1\u017eit, na jakou cenu si danou v\u011bc chcete pojistit. A pozor, n\u011bkter\u00e9 poji\u0161\u0165ovny mo\u017enost volby ceny nov\u00e9 ani nenab\u00edzej\u00ed. Ur\u010den\u00ed ceny nav\u00edc dost ovliv\u0148uje v\u00fd\u0161i pojistn\u00e9ho, kter\u00e9 ov\u0161em v\u017edy m\u016f\u017eete zlevnit nap\u0159\u00edklad t\u00edm, \u017ee zvol\u00edte vy\u0161\u0161\u00ed spolu\u00fa\u010dast. V\u0161echny d\u016fle\u017eit\u00e9 prom\u011bnn\u00e9 m\u016f\u017eete porovnat online na Klik.cz, kde lze nakonec poji\u0161t\u011bn\u00ed i sjednat a zaplatit.<\/p>\n","protected":false},"excerpt":{"rendered":"
Pojistn\u00e9 pln\u011bn\u00ed jsou pen\u00edze, kter\u00e9 dostanete od poji\u0161\u0165ovny v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti. Cena va\u0161eho majetku a pota\u017emo obnos, kter\u00fd od poji\u0161\u0165ovny obdr\u017e\u00edte, jsou ale relativn\u00edmi pojmy. N\u011bkter\u00e9 v\u011bci toti\u017e na hodnot\u011b ztr\u00e1c\u00ed, n\u011bkter\u00e9 zase z\u00edsk\u00e1vaj\u00ed. M\u016f\u017ee se tedy velmi jednodu\u0161e st\u00e1t, \u017ee i kdy\u017e v\u00e1m poji\u0161\u0165ovna vyplat\u00ed plnou \u010d\u00e1stku za majetek, kter\u00fd byl kompletn\u011b zni\u010den, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1137],"tags":[],"yoast_head":"\nCena nov\u00e1, \u010dasov\u00e1 a obvykl\u00e1: Jakou zvolit p\u0159i poji\u0161t\u011bn\u00ed majetku? - Labdo.cz<\/title>\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.labdo.cz\/cena-nova-casova-a-obvykla-jakou-zvolit-pri-pojisteni-majetku\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cena nov\u00e1, \u010dasov\u00e1 a obvykl\u00e1: Jakou zvolit p\u0159i poji\u0161t\u011bn\u00ed majetku? - Labdo.cz\" \/>\n<meta property=\"og:description\" content=\"Pojistn\u00e9 pln\u011bn\u00ed jsou pen\u00edze, kter\u00e9 dostanete od poji\u0161\u0165ovny v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti. 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