{"id":3531,"date":"2022-02-27T10:02:53","date_gmt":"2022-02-27T09:02:53","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/ubezpieczenie\/pzu-auto-ac\/"},"modified":"2026-10-15T22:06:32","modified_gmt":"2026-10-15T20:06:32","slug":"pzu-otomobil-ac","status":"publish","type":"ubezpieczenie","link":"https:\/\/polisarium.pl\/tr\/tu\/pzu\/samochod\/pzu-auto-ac\/","title":{"rendered":"PZU Oto AC"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Bir motorlu arac\u0131n\u0131z m\u0131 var? Bir s\u00fcr\u00fcc\u00fcn\u00fcn ba\u015f\u0131na pek \u00e7ok \u015fey gelebilece\u011fini muhtemelen biliyorsunuzdur: kaza, h\u0131rs\u0131zl\u0131k, dolu ya\u011f\u0131\u015f\u0131\u2026 Bu t\u00fcr sorunlarda, kapsaml\u0131 ara\u00e7 sigortam\u0131z size yard\u0131mc\u0131 olabilir. Sorunun ne kadar ciddi oldu\u011fu, Polonya\u2019da m\u0131 yoksa yurtd\u0131\u015f\u0131nda m\u0131 ya\u015fand\u0131\u011f\u0131 fark etmez. Arac\u0131n\u0131z\u0131n \u00e7al\u0131nmas\u0131 veya hasar g\u00f6rmesi durumunda tazminat \u00f6deriz. Bunun i\u00e7in kazan\u0131n sizin hatan\u0131zdan kaynaklan\u0131p kaynaklanmad\u0131\u011f\u0131 da \u00f6nemli de\u011fildir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kimler i\u00e7in?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bu sigorta, ara\u00e7lar\u0131n\u0131n \u00e7al\u0131nmas\u0131, hasar g\u00f6rmesi veya tahrip edilmesi ihtimalinden endi\u015fe duyan ara\u00e7 sahipleri i\u00e7in tasarlanm\u0131\u015ft\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ne zaman ve nas\u0131l yard\u0131mc\u0131 olabiliriz?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c7e\u015fitli durumlarda yard\u0131mc\u0131 oluyoruz. Hangi durumlarda arac\u0131n\u0131z\u0131 tamir edebilece\u011fimizi, hangi durumlarda ise tazminat \u00f6deyebilece\u011fimizi \u00f6\u011frenin.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00c7arp\u0131\u015fma veya kaza<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Arac\u0131n\u0131z hasar g\u00f6r\u00fcr veya tahrip olursa, onar\u0131m ve yedek par\u00e7a masraflar\u0131n\u0131 biz kar\u015f\u0131layaca\u011f\u0131z; \u00f6rne\u011fin:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>bir kaza ge\u00e7ireceksin,<\/li>\n\n\n<li>birisi araban\u0131za zarar verip karoseriyi \u00e7\u00f6kertirse,<\/li>\n\n\n<li>f\u0131rt\u0131na, dolu veya ba\u015fka bir hava olay\u0131 arac\u0131n\u0131za zarar verebilir.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">H\u0131rs\u0131zl\u0131k<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A\u015fa\u011f\u0131daki durumlarda tazminat \u00f6deyece\u011fiz:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>bir arac\u0131 \u00e7alarsa,<\/li>\n\n\n<li>arac\u0131n\u0131z\u0131n bir par\u00e7as\u0131n\u0131 veya donan\u0131m\u0131n\u0131 \u00e7alarsa,<\/li>\n\n\n<li>h\u0131rs\u0131zl\u0131k veya h\u0131rs\u0131zl\u0131k giri\u015fimi s\u0131ras\u0131nda arac\u0131 tahrip edecektir.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Temel AC sigortam\u0131z, Beyaz Rusya, Rusya, Ukrayna ve Moldova\u2019da, yani BRUM b\u00f6lgesinde meydana gelen h\u0131rs\u0131zl\u0131k olaylar\u0131na kar\u015f\u0131 koruma sa\u011flamamaktad\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2026di\u011fer olaylar<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">AC sigorta teklifimiz pek \u00e7ok durumda ge\u00e7erlidir \u2013 hatta hayal bile edemeyece\u011fimiz durumlarda bile. Bu, her t\u00fcrl\u00fc riske kar\u015f\u0131 koruma sa\u011flayan bir sigortad\u0131r. Arac\u0131n\u0131z\u0131n onar\u0131m\u0131n\u0131 sadece bir \u00e7arp\u0131\u015fma sonras\u0131nda de\u011fil, ayn\u0131 zamanda a\u015fa\u011f\u0131daki durumlarda da biz halledece\u011fiz:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>kemirgenler kablolar\u0131 kemirir,<\/li>\n\n\n<li>araba buz deli\u011fine d\u00fc\u015fecek,<\/li>\n\n\n<li>yaban domuzu araban\u0131n \u00f6n\u00fcne atlay\u0131p radyat\u00f6r\u00fc mahvedecek,<\/li>\n\n\n<li>U\u00e7an bir nesne, \u00f6rne\u011fin bir drone, arac\u0131n\u0131z\u0131n \u00fczerine d\u00fc\u015fecek.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Genel sigorta \u015fartlar\u0131nda a\u00e7\u0131k\u00e7a hari\u00e7 tutulmayan t\u00fcm olaylardan sorumluyuz.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Sigorta se\u00e7enekleri<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00dc\u00e7 farkl\u0131 kasko sigortas\u0131 se\u00e7ene\u011fi sunuyoruz: servis, optimal ve ortakl\u0131k. Hangi se\u00e7ene\u011fi tercih etti\u011finize ba\u011fl\u0131 olarak hasar\u0131 nas\u0131l giderece\u011finizi \u00f6\u011frenin:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Servis se\u00e7ene\u011fi \u2013 otomobil \u00fcreticisinin garanti etti\u011fi marka ve kaliteye \u00f6nem veren veya \u00e7o\u011funlukla yetkili servis merkezlerini tercih eden ki\u015filer i\u00e7indir. Arac\u0131n onar\u0131ma ihtiyac\u0131 olmas\u0131 durumunda, onar\u0131mda orijinal par\u00e7alar kullanaca\u011f\u0131z.<\/li>\n\n\n<li>En uygun se\u00e7enek \u2013 makul bir fiyata y\u00fcksek kaliteyi \u00f6nemseyen ki\u015filer i\u00e7in. Onar\u0131mda alternatif par\u00e7alar kullan\u0131lacakt\u0131r \u2013 bunlar, ara\u00e7 \u00fcreticisinin markas\u0131n\u0131 ta\u015f\u0131mayan, ancak kalitesi kan\u0131tlanm\u0131\u015f (orijinal par\u00e7alar\u0131n kalitesiyle kar\u015f\u0131la\u015ft\u0131r\u0131labilir) par\u00e7alard\u0131r.<\/li>\n\n\n<li>Ortakl\u0131k se\u00e7ene\u011fi \u2013 uygun fiyatl\u0131 kasko sigortas\u0131 arayan ki\u015filer i\u00e7in tasarlanm\u0131\u015ft\u0131r. Onar\u0131mda orijinal par\u00e7alar kullan\u0131l\u0131r ve bu par\u00e7alar\u0131n fiyatlar\u0131, s\u00f6zde amortisman nedeniyle d\u00fc\u015f\u00fcr\u00fclmez. Bunun ko\u015fulu, onar\u0131m\u0131n ortak at\u00f6lyelerden birinde yap\u0131lmas\u0131d\u0131r.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Sigorta kapsam\u0131n\u0131n geni\u015fletilmesi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ek \u00fccret kar\u015f\u0131l\u0131\u011f\u0131nda, AC kapsam\u0131n\u0131 geni\u015fletebilirsiniz; \u00f6rne\u011fin, bagaj sigortas\u0131 veya arac\u0131n\u0131z\u0131n onar\u0131m s\u00fcresi boyunca yedek ara\u00e7 temini gibi.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Auto Non Stop \u2013 onar\u0131m s\u00fcresince size bir yedek binek arac\u0131 temin eder ve arac\u0131n\u0131z\u0131n onar\u0131m\u0131n\u0131 PZU Onar\u0131m A\u011f\u0131\u2019nda organize ederiz.<\/li>\n\n\n<li>Ara\u00e7 De\u011fer Garantisi (Auto Warto\u015b\u0107 100%) \u2013 Arac\u0131n\u0131z bizim i\u00e7in t\u00fcm y\u0131l boyunca ayn\u0131 de\u011feri koruyacakt\u0131r.<\/li>\n\n\n<li>Auto Ochrona Sigorta Tutarlar\u0131 \u2013 Sabit bir sigorta tutar\u0131 garanti ediyoruz; b\u00f6ylece birka\u00e7 k\u00fc\u00e7\u00fck kazadan sonra bile arac\u0131n\u0131z i\u00e7in tam tazminat alacaks\u0131n\u0131z.<\/li>\n\n\n<li>Bagaj sigortas\u0131 \u2013 bir kazada hasar g\u00f6ren veya arac\u0131n\u0131zdan \u00e7al\u0131nan e\u015fyalar\u0131n\u0131z i\u00e7in size tazminat \u00f6deyece\u011fiz.<\/li>\n\n\n<li>Yedek Ara\u00e7 \u2013 \u0130stedi\u011finiz yedek arac\u0131 kendiniz kiralars\u0131n\u0131z, biz de masraflar\u0131n\u0131z\u0131 (kar\u015f\u0131l\u0131kl\u0131 olarak belirlenen limit tutar\u0131na kadar) size geri \u00f6deriz.<\/li>\n\n\n<li>Kasko sigortas\u0131ndan hasar\u0131n hari\u00e7 tutulmas\u0131 \u2013 hasar\u0131n hari\u00e7 tutulmas\u0131 adl\u0131 ek se\u00e7enek \u2013 bu se\u00e7enek sayesinde, kasko sigortas\u0131 s\u00f6zle\u015fmesinden kaynaklanan ilk hasar, PZU\u2019da bir sonraki kasko sigortas\u0131 s\u00f6zle\u015fmesi imzalan\u0131rken prim tutar\u0131n\u0131 etkilemeyecektir.<\/li>\n\n\n<li>Ara\u00e7 \u00c7ekme \u2013 \u00c7ekme masraflar\u0131, kasko sigorta tutar\u0131 kapsam\u0131nda kar\u015f\u0131lanan tutar\u0131 a\u015farsa, arac\u0131n\u0131z\u0131n \u00e7ekme masraflar\u0131n\u0131 size geri \u00f6deyece\u011fiz.<\/li>\n\n\n<li>Standart d\u0131\u015f\u0131 kullan\u0131m \u2013 Arac\u0131n\u0131z\u0131, taksi olarak veya s\u00fcr\u00fcc\u00fc kursu amac\u0131yla kullan\u0131lmas\u0131 gibi standart d\u0131\u015f\u0131 kullan\u0131m s\u0131ras\u0131nda meydana gelebilecek hasarlara kar\u015f\u0131 sigortalayaca\u011f\u0131z.<\/li>\n\n\n<li>BRUM\u2019da h\u0131rs\u0131zl\u0131k \u2013 Beyaz Rusya, Rusya, Ukrayna ve Moldova topraklar\u0131nda arac\u0131n\u0131z, arac\u0131n\u0131z\u0131n bir par\u00e7as\u0131 veya donan\u0131m \u00f6\u011fesi \u00e7al\u0131n\u0131rsa tazminat \u00f6deyece\u011fiz.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Sigorta kapsam\u0131n\u0131n daralt\u0131lmas\u0131<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sigortam\u0131za, kapsam\u0131n\u0131 daraltacak se\u00e7enekler ekleyebilirsiniz. B\u00f6ylelikle prim tutar\u0131n\u0131 d\u00fc\u015f\u00fcrebilir ve sigortay\u0131 ihtiya\u00e7lar\u0131n\u0131za g\u00f6re uyarlayabilirsiniz. Bunun nas\u0131l yap\u0131laca\u011f\u0131n\u0131 \u00f6\u011frenin.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sabit muafiyet \u2013 tazminattan her zaman sabit bir tutar d\u00fc\u015f\u00fcl\u00fcr.<\/li>\n\n\n<li>Gen\u00e7 s\u00fcr\u00fcc\u00fcler i\u00e7in 25% tutar\u0131nda kendi pay\u0131 \u2013 ara\u00e7 sahibi 26 ya\u015f\u0131n\u0131 doldurmam\u0131\u015fsa, hasar tutar\u0131n\u0131n 25% tutar\u0131nda bir k\u0131sm\u0131 tutar\u0131nda tazminat priminden indirim yap\u0131labilir. Bu sayede daha az \u00f6deme yapars\u0131n\u0131z.<\/li>\n\n\n<li>AC Mini \u2013 bu, daha ucuz bir sigorta t\u00fcr\u00fcd\u00fcr, ancak tam AC sigortas\u0131na k\u0131yasla daha dar bir koruma kapsam\u0131na sahiptir.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Neden tercih edilmeli?<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>PZU ile i\u015f birli\u011fi yapan 1.200 tamirhaneden birinde h\u0131zl\u0131 onar\u0131m.<\/li>\n\n\n<li>PZU Pomoc w Drodze Komfort\u2019un \u00fccretsiz temel yard\u0131m hizmetleri paketi; \u00f6rne\u011fin, \u00e7ekme hizmeti, yedek ara\u00e7.<\/li>\n\n\n<li>Bug\u00fcn hayal bile edemeyece\u011finiz t\u00fcrden olaylara kar\u015f\u0131 bile sigorta kapsam\u0131 vard\u0131r \u2013 tabii bunlar genel sigorta \u015fartlar\u0131nda a\u00e7\u0131k\u00e7a hari\u00e7 tutulmam\u0131\u015fsa.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Sigorta Kapsam\u0131 \u2013 \u0130stisnalar ve S\u0131n\u0131rlamalar<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sigorta, a\u015fa\u011f\u0131dakiler dahil olmak \u00fczere baz\u0131 hasarlar\u0131 kapsamaz:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>de\u011feri 300 z\u0142'yi a\u015fmayanlar \u2013 t\u0131bbi yard\u0131m sa\u011flamak amac\u0131yla ta\u015f\u0131nmas\u0131 gereken ki\u015filer taraf\u0131ndan arac\u0131n i\u00e7 k\u0131sm\u0131na verilen hasarlar hari\u00e7,<\/li>\n\n\n<li>sigortal\u0131 ki\u015finin, arac\u0131 kullanma hakk\u0131na sahip ki\u015finin veya sigortal\u0131 ile ayn\u0131 hanede ya\u015fayan ki\u015finin ehliyetsiz olarak arac\u0131 kullanmas\u0131ndan kaynaklanan,<\/li>\n\n\n<li>i\u015fletme giderleri,<\/li>\n\n\n<li>s\u00f6zle\u015fmede belirtilmeyen ara\u00e7 donan\u0131m\u0131.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Sigorta kapsam\u0131m\u0131z\u0131n d\u0131\u015f\u0131nda kalan durumlar\u0131n tam listesini genel sigorta \u015fartlar\u0131nda bulabilirsiniz.<\/p>","protected":false},"featured_media":3366,"template":"","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":""},"rodzaj-ubezpieczenia":[11],"class_list":["post-3531","ubezpieczenie","type-ubezpieczenie","status-publish","has-post-thumbnail","hentry","rodzaj-ubezpieczenia-samochod"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>PZU Auto AC | Polisarium<\/title>\n<meta name=\"description\" content=\"Wybierz jeden z trzech wariant\u00f3w naprawy, skorzystaj z Auto Assistance, auta zast\u0119pczego czy ochrony baga\u017cu. 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