{"id":90533,"date":"2025-05-23T06:05:50","date_gmt":"2025-05-23T04:05:50","guid":{"rendered":"https:\/\/gorica.info\/?p=90533"},"modified":"2025-05-22T12:29:56","modified_gmt":"2025-05-22T10:29:56","slug":"dobro-je-znati-pokriva-li-kasko-u-potpunosti-bas-svaku-stetu-na-vozilu","status":"publish","type":"post","link":"https:\/\/gorica.info\/en\/dobro-je-znati-pokriva-li-kasko-u-potpunosti-bas-svaku-stetu-na-vozilu\/","title":{"rendered":"Dobro je znati: Pokriva li kasko u potpunosti ba\u0161 svaku \u0161tetu na vozilu?"},"content":{"rendered":"

Kasko osiguranje automobila<\/strong> pru\u017ea sveobuhvatnu financijsku za\u0161titu vlasnicima vozila i zna\u010dajno smanjuje rizik od velikih, nepredvi\u0111enih tro\u0161kova. No i kod ugovaranja kasko osiguranja treba biti pa\u017eljiv i detaljno pro\u010ditati cijeli ugovor.<\/strong><\/span><\/p>\n

Zamislite ovo: platili ste kasko uvjereni da ste potpuno za\u0161ti\u0107eni od svih nezgoda na cesti. No, kad se dogodila \u0161teta, saznali ste da va\u0161a polica<\/a> ne\u0107e pokriti ba\u0161 sve \u2013\u00a0 dio tro\u0161kova ipak \u0107ete morati platiti iz svog d\u017eepa.<\/span><\/p>\n

Kako je to mogu\u0107e? Bojan Radlovi\u0107<\/strong>, predsjednik uprave kompare.hr, poja\u0161njava da svako kasko osiguranje podrazumijeva fran\u0161izu, samo je pitanje primjenjuje li se ona ve\u0107 od prve \u0161tete.<\/span><\/p>\n

Ako po polici prijavite vi\u0161e od jedne \u0161tete, dio pokrivate sami<\/strong><\/span><\/h3>\n

Kasko osiguranje mogu\u0107e je ugovoriti s i bez fran\u0161ize, odnosno, s i bez obveze da u \u0161teti sudjelujete od po\u010detka. No, stvari nisu tako crno-bijele. \u010cak i ako ste odabrali opciju bez fran\u0161ize, to ne zna\u010di da ste u potpunosti oslobo\u0111eni ove obveze.<\/span><\/p>\n

Kasko bez fran\u0161ize zapravo podrazumijeva da samo prva prijavljena \u0161teta ide potpuno na teret osiguravatelja, obja\u0161njava Radlovi\u0107. <\/span><\/p>\n

U svakoj idu\u0107oj prijavljenoj \u0161teti, osiguranik mora sudjelovati u prethodno odre\u0111enom postotku. Sve ovo jasno je definirano ugovorom, ali se brojni korisnici i dalje neugodno iznenade.<\/span><\/p>\n

Dakle, obvezu sudjelovanja u \u0161teti ne\u0107ete nu\u017eno izbje\u0107i ni s kaskom bez fran\u0161ize. No, ako ugovorite kasko osiguranje s fran\u0161izom, ovu obvezu imate od samog po\u010detka.<\/span><\/p>\n

Malo riskantnija, ali jeftinija opcija<\/strong><\/span><\/h3>\n

Glavna prednost ugovaranja kaska s fran\u0161izom jest \u010dinjenica da je on u startu osjetno jeftiniji. Osim toga, kod ve\u0107ine osiguravatelja iznos fran\u0161ize ostaje isti neovisno o broju \u0161teta. S ugovorenim kaskom bez fran\u0161ize se, pak, ovaj iznos pove\u0107ava sa svakom prijavljenom \u0161tetom.<\/span><\/p>\n

Preferencije voza\u010da prema kasku bez fran\u0161ize potvrdio je i Radlovi\u0107 na primjeru poslovanja platforme kompare.hr<\/a>:<\/span><\/p>\n

– \u010cak 68% na\u0161ih klijenata ugovara kasko bez fran\u0161ize, dok preostalih 32% bira policu s fran\u0161izom. I jedna i druga opcija ima svoje prednosti. Kasko s fran\u0161izom je osjetno jeftiniji, ali zahtijeva financijsku spremnost ako do\u0111e do \u0161tete. Kasko bez fran\u0161ize je skuplji, ali kod prve \u0161tete tro\u0161kove snosi osiguranje. U kona\u010dnici odabir police je stvar osobne procjene \u2013 primjerice, ako do\u0111e do \u0161tete, ho\u0107e li vam 150 eura dobrovoljne fran\u0161ize predstavljati financijski problem ili ne\u0107e – ka\u017ee Radlovi\u0107.<\/span><\/p>\n

Razlike u cijenama osiguranja preko 670 eura<\/strong><\/span><\/h3>\n

Razlike u cijenama kasko osiguranja ilustrirat \u0107emo na primjeru vozila<\/a> marke Volkswagen Golf VIII.<\/span><\/p>\n

Ponude smo provjerili putem platforme kompare.hr<\/a>. Cijena kasko osiguranja s fran\u0161izom kretala se u rasponu od 803,49 eura do 974,30 eura, dok je cijena kaska bez fran\u0161ize bila izme\u0111u 988,30 eura i 1.483,07 eura.<\/span><\/p>\n

Razlika ponuda kod nekih osiguravaju\u0107ih ku\u0107a bila je ve\u0107a od 670\u20ac, \u0161to svakako nije zanemariv iznos.<\/span><\/p>\n

Evo kako to izgleda u praksi, u slu\u010daju da se dogodi \u0161teta<\/strong><\/span><\/h3>\n

Recimo da ste ugovorili policu bez fran\u0161ize i platili ju 1.017,04 eura. Po\u010detkom godine imali ste \u0161tetu koju je va\u0161a polica u potpunosti pokrila. No, krajem godine dogodila vam se nova nezgoda. Tada se aktivira obvezna fran\u0161iza koja u ovom slu\u010daju iznosi 634,00 eura.<\/span><\/p>\n

Ako je popravak 1.000 eura<\/strong>, vi \u0107ete platiti 634 eura, a ostatak \u0107e pokriti osiguranje. Ako je popravak manji od iznosa va\u0161e fran\u0161ize \u2013 popravak \u0107ete platiti sami.<\/span><\/p>\n

S druge strane, kod istog osiguratelja kasko s fran\u0161izom platili biste 849,58 eura. Ponuda je znatno jeftinija jer obuhva\u0107a dobrovoljnu fran\u0161izu u iznosu od 352,22 eura. To zna\u010di da bi u slu\u010daju prve i svake sljede\u0107e \u0161tete sudjelovali s tim iznosom.<\/span><\/p>\n

Stvar je osobnog odabira<\/strong><\/span><\/h3>\n

Odabir police je stvar osobne procjene. Ako rijetko imate \u0161tete i fran\u0161iza vam ne predstavlja teret, kasko s fran\u0161izom mo\u017ee vam u\u0161tedjeti stotine eura godi\u0161nje. Ako pak \u017eelite sigurnost bez dodatnih tro\u0161kova u prvoj \u0161teti, kasko bez fran\u0161ize je bolja opcija.<\/span><\/p>\n

U svakom slu\u010daju, va\u017eno je pa\u017eljivo pro\u010ditati uvjete osiguranja. Iako vam se \u010dini da ste kasko “platili da sve pokrije”, detalji u polici mogu vas iznenaditi. Kad do \u0161tete do\u0111e \u2013 ti detalji \u010dine veliku razliku.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

Kasko osiguranje automobila pru\u017ea sveobuhvatnu financijsku za\u0161titu vlasnicima vozila i zna\u010dajno smanjuje rizik od velikih, nepredvi\u0111enih tro\u0161kova. No i kod ugovaranja kasko osiguranja treba biti pa\u017eljiv i detaljno pro\u010ditati cijeli ugovor. Zamislite ovo: platili ste kasko uvjereni da ste potpuno za\u0161ti\u0107eni od svih nezgoda na cesti. No, kad se dogodila \u0161teta, saznali ste da va\u0161a […]<\/p>\n","protected":false},"author":23,"featured_media":90534,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"limit_modified_date":"1","last_modified_date":"","jnews-multi-image_gallery":[],"jnews_single_post":{"subtitle":"","format":"standard","override":[{"template":"3","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"1","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_popup_post":"1","number_popup_post":"1","show_post_related":"1"}],"image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0"},"jnews_primary_category":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[83],"tags":[19221,19222,18220,1066],"class_list":["post-90533","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-drustvo","tag-kasko-osiguranje","tag-naplata-stete","tag-popravak-vozila","tag-steta"],"yoast_head":"\nDobro je znati: Pokriva li kasko u potpunosti ba\u0161 svaku \u0161tetu na vozilu? - Gorica Info<\/title>\n<meta name=\"description\" content=\"Dobro je znati: Pokriva li kasko u potpunosti ba\u0161 svaku \u0161tetu na vozilu? 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