{"id":304395,"date":"2024-04-18T17:22:41","date_gmt":"2024-04-18T16:22:41","guid":{"rendered":"https:\/\/zakrasnejsivimperk.cz\/?p=304395"},"modified":"2024-04-18T17:22:41","modified_gmt":"2024-04-18T16:22:41","slug":"dtest-koupili-jsme-si-prodlouzenou-zaruku-nebo-je-to-pojisteni","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=304395","title":{"rendered":"dTest: Koupili jsme si prodlou\u017eenou z\u00e1ruku, nebo je to poji\u0161t\u011bn\u00ed?"},"content":{"rendered":"<h4>Spot\u0159ebitel\u00e9 se dnes mohou velmi \u010dasto setkat s nab\u00eddkou prodlou\u017een\u00e9 z\u00e1ruky na zbo\u017e\u00ed, kter\u00e9 kupuj\u00ed. N\u011bkdy b\u00fdv\u00e1 tato smluvn\u00ed z\u00e1ruka nab\u00edzena automaticky, jindy je za p\u0159\u00edplatek. Nem\u00e1lo spot\u0159ebitel\u016f si tak prodlou\u017eenou z\u00e1ruku p\u0159ikoup\u00ed, zejm\u00e9na na spot\u0159ebn\u00ed elektroniku, kter\u00e1 b\u00fdv\u00e1 na poruchy n\u00e1chyln\u00e1. N\u011bkte\u0159\u00ed z nich v\u0161ak mohou b\u00fdt posl\u00e9ze nep\u0159\u00edjemn\u011b p\u0159ekvapeni, kdy\u017e jim s reklamac\u00ed nevyhov\u00ed, bu\u010f kv\u016fli podm\u00ednk\u00e1m smluvn\u00ed z\u00e1ruky, nebo proto\u017ee se vlastn\u011b v\u016fbec nejedn\u00e1 o z\u00e1ruku, ale o poji\u0161t\u011bn\u00ed. Na co by si m\u011bl spot\u0159ebitel pozor, ne\u017e si za takovou nadstandardn\u00ed slu\u017ebu p\u0159iplat\u00ed?<\/h4>\n<h6>V\u00fdm\u011bna zbo\u017e\u00ed?<\/h6>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-131630 alignright\" src=\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/05\/29\/logo-dtest-114x300.jpg\" alt=\"\" width=\"114\" height=\"300\" srcset=\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/05\/29\/logo-dtest-114x300.jpg 114w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/05\/29\/logo-dtest.jpg 126w\" sizes=\"(max-width: 114px) 100vw, 114px\" \/>Prodlou\u017een\u00e1 z\u00e1ruka a poji\u0161t\u011bn\u00ed mohou b\u00fdt snadno zam\u011bn\u011bny. Ob\u011b slu\u017eby toti\u017e \u0159e\u0161\u00ed situaci, kdy produkt trp\u00ed vadou. Ob\u011b tak\u00e9 b\u00fdvaj\u00ed \u010dasto nab\u00edzeny jako tzv. adhezn\u00ed smlouvy, tedy jako p\u0159edepsan\u00e9 smlouvy, kter\u00e9 spot\u0159ebitel bu\u010f uzav\u0159e, nebo ne, bez mo\u017enosti vy-jednat si lep\u0161\u00ed podm\u00ednky. A ob\u011b slu\u017eby tak\u00e9 mohou b\u00fdt nab\u00edzeny za poplatek, zpravidla hned po vlo\u017een\u00ed zbo\u017e\u00ed do ko\u0161\u00edku. <em>\u201eNa druhou stranu maj\u00ed ob\u011b slu\u017eby sv\u00e1 specifick\u00e1 \u00faskal\u00ed a jedna z nich pro v\u00e1s m\u016f\u017ee b\u00fdt v ur\u010ditou situaci v\u00fdhodn\u011bj\u0161\u00ed ne\u017e druh\u00e1,\u201c<\/em> upozor\u0148uje Eduarda Hek\u0161ov\u00e1, \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest.<\/p>\n<p>Pokud v\u0161ak podnikatel uvede spot\u0159ebitele v omyl a spot\u0159ebitel se bude domn\u00edvat, \u017ee je mu nab\u00edzena prodlou\u017een\u00e1 z\u00e1ruka, kdy\u017e se ve skute\u010dnosti bude jednat o poji\u0161t\u011bn\u00ed, m\u016f\u017ee se jednat o klamav\u00e9 kon\u00e1n\u00ed, tedy nekalou obchodn\u00ed praktiku. Podnikateli v takov\u00e9m p\u0159\u00edpad\u011b hroz\u00ed pokuta ze strany \u010cesk\u00e9 obchodn\u00ed inspekce.<\/p>\n<h6>Z\u00e1ruka v z\u00e1ludn\u011bj\u0161\u00edm kab\u00e1tku<\/h6>\n<p>Ze z\u00e1kona maj\u00ed spot\u0159ebitel\u00e9 dvouletou dobu pro uplatn\u011bn\u00ed pr\u00e1v z vadn\u00e9ho pln\u011bn\u00ed, p\u0159i\u010dem\u017e tato dvoulet\u00e1 doba b\u00fdv\u00e1 n\u011bkdy nep\u0159esn\u011b ozna\u010dov\u00e1na jako z\u00e1konn\u00e1 z\u00e1ruka. Doba pro uplatn\u011bn\u00ed pr\u00e1v z vadn\u00e9ho pln\u011bn\u00ed m\u00e1 p\u0159esn\u011b dan\u00e9 podm\u00ednky a spot\u0159ebiteli nem\u016f\u017ee b\u00fdt up\u0159ena.<\/p>\n<p>Prodlou\u017een\u00e1 z\u00e1ruka, jin\u00fdmi slovy smluvn\u00ed z\u00e1ruka, je z\u00e1ruka sjedn\u00e1v\u00e1na nad r\u00e1mec z\u00e1konn\u00e9 dvoulet\u00e9 doby pro uplatn\u011bn\u00ed pr\u00e1v z vadn\u00e9ho pln\u011bn\u00ed. Zpravidla za\u010d\u00edn\u00e1 b\u011b\u017eet a\u017e jakmile z\u00e1konn\u00e1 uplyne, d\u00e9lku p\u0159itom m\u016f\u017ee m\u00edt r\u016fznou. Pot\u00ed\u017e je v\u0161ak v tom, \u017ee tato smluvn\u00ed z\u00e1ruka m\u016f\u017ee m\u00edt podm\u00ednky jej\u00edho uplatn\u011bn\u00ed sjednan\u00e9 odli\u0161n\u011b od z\u00e1konn\u00e9 doby pro uplatn\u011bn\u00ed pr\u00e1v. <em>\u201eSpot\u0159ebitel by si tak m\u011bl p\u0159ed jej\u00edm uplatn\u011bn\u00edm, a nejl\u00e9pe i p\u0159ed jej\u00edm zakoupen\u00edm, pozorn\u011b p\u0159e\u010d\u00edst smluvn\u00ed podm\u00ednky a ujistit se, \u017ee se jej\u00ed dokoupen\u00ed v\u016fbec vyplat\u00ed,\u201c<\/em> vysv\u011btluje Eduarda Hek\u0161ov\u00e1.<\/p>\n<h6>Z\u00e1ru\u010dn\u00ed list k smluvn\u00ed z\u00e1ruce<\/h6>\n<p>Prodejce jako poskytovatel smluvn\u00ed z\u00e1ruky mus\u00ed vydat spot\u0159ebiteli z\u00e1ru\u010dn\u00ed list v textov\u00e9 podob\u011b. Z\u00e1ru\u010dn\u00ed list mus\u00ed b\u00fdt napsan\u00fd jasn\u00fdm a srozumiteln\u00fdm jazykem.<\/p>\n<p>Ze z\u00e1kona v n\u011bm mus\u00ed b\u00fdt uveden\u00e9:<\/p>\n<ul>\n<li>\u00b7 ozna\u010den\u00ed v\u011bci,<\/li>\n<li>\u00b7 obsah z\u00e1ruky,<\/li>\n<li>\u00b7 jm\u00e9no, bydli\u0161t\u011b \u010di s\u00eddlo poskytovatele z\u00e1ruky,<\/li>\n<li>\u00b7 postup k uplatn\u011bn\u00ed pr\u00e1v ze z\u00e1ruky,<\/li>\n<li>\u00b7 a podm\u00ednky z\u00e1ruky.<\/li>\n<\/ul>\n<p>Krom\u011b t\u011bchto informac\u00ed by m\u011bl z\u00e1ru\u010dn\u00ed list obsahovat tak\u00e9 informace o tom, \u017ee z\u00e1konn\u00e1 doba na uplatn\u011bn\u00ed pr\u00e1v z vadn\u00e9ho pln\u011bn\u00ed nen\u00ed sjedn\u00e1n\u00edm smluvn\u00ed z\u00e1ruky dot\u010dena. \u201e<em>Z\u00e1ru\u010dn\u00ed podm\u00ednky v\u0161ak \u010dasto b\u00fdvaj\u00ed uvedeny i ve v\u0161eobecn\u00fdch obchodn\u00edch podm\u00ednk\u00e1ch podnikatele, to v\u0161ak nem\u011bn\u00ed nic na tom, \u017ee v\u00e1m prodejce mus\u00ed vydat z\u00e1ru\u010dn\u00ed list<\/em>,\u201c dod\u00e1v\u00e1 Eduarda Hek\u0161ov\u00e1. Smluvn\u00ed z\u00e1ruka toti\u017e m\u016f\u017ee obsahovat nespo\u010det v\u00fdjimek, v\u00fdluk a jin\u00fdch ustanoven\u00ed vylu\u010duj\u00edc\u00edch jej\u00ed uplatn\u011bn\u00ed. Takt\u00e9\u017e m\u016f\u017ee b\u00fdt odli\u0161n\u011b sjedn\u00e1na doba, kterou m\u00e1 podnikatel na reklamaci \u2013 \u010dasto se lze setkat se lh\u016ftou 3 m\u011bs\u00edc\u016f oproti z\u00e1konn\u00e9 lh\u016ft\u011b 30 dn\u00ed, kter\u00e1 je stanovena pro dvouletou dobu na uplatn\u011bn\u00ed pr\u00e1v z vady. Nep\u0159\u00edjemn\u00fdm p\u0159ekvapen\u00edm m\u016f\u017ee b\u00fdt tak\u00e9 vylou\u010den\u00ed mo\u017enosti odstoupen\u00ed od smlouvy, tedy vr\u00e1cen\u00ed pen\u011bz. Na z\u00e1klad\u011b smluvn\u00ed z\u00e1ruky v\u0161ak mus\u00ed m\u00edt spot\u0159ebitel n\u00e1rok, zpravidla, alespo\u0148 na dod\u00e1n\u00ed nov\u00e9 v\u011bci bez vad nebo na opravu v\u011bci.<\/p>\n<h6>Poji\u0161t\u011bn\u00ed proti\u2026 ni\u010demu?<\/h6>\n<p>Poji\u0161t\u011bn\u00ed, tedy pojistn\u00e1 smlouva, m\u016f\u017ee b\u00fdt oproti z\u00e1ruce komplikovan\u011bj\u0161\u00ed, jeliko\u017e v n\u00ed nav\u00edc figuruje je\u0161t\u011b poji\u0161\u0165ovna. Spot\u0159ebitel\u00e9 by si m\u011bli ov\u011b\u0159it, zda jsou p\u0159\u00edm\u00fdmi \u00fa\u010dastn\u00edky takov\u00e9 smlouvy a dob\u0159e si p\u0159ed zakoupen\u00edm zkontrolovat platn\u00e9 pojistn\u00e9 podm\u00ednky. <em>\u201ePoji\u0161t\u011bn\u00ed toti\u017e n\u011bkdy m\u016f\u017ee, ale nemus\u00ed, m\u00edt stejn\u00fd rozsah a podm\u00ednky jako z\u00e1konn\u00e1 \u010di smluvn\u00ed z\u00e1ruka,\u201c<\/em> vysv\u011btluje Eduarda Hek\u0161ov\u00e1. Poji\u0161t\u011bn\u00ed toti\u017e zpravidla kryje pouze vybran\u00e1 rizika, kter\u00e9 poji\u0161t\u011bn\u00e9mu p\u0159edm\u011btu hroz\u00ed. Specifikem poji\u0161t\u011bn\u00ed, kter\u00e9ho by si spot\u0159ebitel\u00e9 m\u011bli b\u00fdt v\u011bdomi, je tak\u00e9 nutnost \u00fahrady spolu\u00fa\u010dasti, nebo ot\u00e1zka, zda bude poji\u0161\u0165ovnou vyplacena \u010d\u00e1stka odpov\u00eddaj\u00edc\u00ed v\u011bci nov\u00e9, \u010di \u010d\u00e1stka pon\u00ed\u017een\u00e1 o st\u00e1\u0159\u00ed a opot\u0159eben\u00ed v\u011bci.<\/p>\n<p>Pokud spot\u0159ebitel\u00e9 maj\u00ed ot\u00e1zky k tomuto t\u00e9matu, mohou se obr\u00e1tit na bezplatnou spot\u0159ebitelskou poradnu dTestu, a to elektronicky na <a href=\"https:\/\/www.dtest.cz\/spotrebitelska-poradna\" target=\"_blank\" rel=\"noopener\"><strong>www.dtest.cz\/spotrebitelska-poradna<\/strong><\/a> nebo telefonicky na \u010d\u00edslo 299 149 009.<\/p>\n<p><strong>dTest<\/strong><\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Spot\u0159ebitel\u00e9 se <\/p>\n","protected":false},"author":2,"featured_media":304397,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"footnotes":""},"categories":[87],"tags":[],"jetpack_featured_media_url":"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2024\/04\/18\/ram-dtest.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/304395"}],"collection":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=304395"}],"version-history":[{"count":2,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/304395\/revisions"}],"predecessor-version":[{"id":304398,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/304395\/revisions\/304398"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/304397"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=304395"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=304395"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=304395"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}