{"id":1380,"date":"2025-12-29T18:27:55","date_gmt":"2025-12-29T17:27:55","guid":{"rendered":"https:\/\/schweiz.blog\/?p=1380"},"modified":"2026-03-19T14:19:32","modified_gmt":"2026-03-19T13:19:32","slug":"koliko-kosta-osiguranje-automobila-u-svicarskoj","status":"publish","type":"post","link":"https:\/\/schweiz.blog\/hr\/was-kostet-eine-autoversicherung-in-der-schweiz\/","title":{"rendered":"Koliko ko\u0161ta osiguranje automobila u \u0160vicarskoj?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>Koliko ko\u0161ta osiguranje automobila u \u0160vicarskoj?<\/strong> Stotine tisu\u0107a voza\u010da svake godine postavljaju si ovo pitanje \u2013 posebno prije kupnje automobila ili promjene osiguravatelja. Tro\u0161kovi se znatno razlikuju ovisno o pojedincu, automobilu i... <a href=\"https:\/\/schweiz.blog\/hr\/kategorija\/zivot\/\" data-type=\"category\" data-id=\"2725\">Mjesto stanovanja<\/a>. Ovaj \u010dlanak pru\u017ea realan pregled cijena, \u010dimbenika i na\u010dina u\u0161tede.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Prosje\u010dna cijena auto osiguranja<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">U \u0160vicarskoj, <strong>godi\u0161nji tro\u0161kovi osiguranja automobila<\/strong> u prosjeku na:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Osiguranje od odgovornosti:<\/strong> cca. <strong>300\u2013600 CHF<\/strong><\/li>\n\n\n\n<li><strong>Djelomi\u010dno kasko osiguranje:<\/strong> cca. <strong>500\u2013900 CHF<\/strong><\/li>\n\n\n\n<li><strong>Sveobuhvatno osiguranje:<\/strong> cca. <strong>900\u20131600 CHF<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ove brojke su smjernice. Ovisno o specifi\u010dnim zahtjevima, tro\u0161kovi mogu biti znatno ve\u0107i ili ni\u017ei.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Koji faktori utje\u010du na cijenu?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Osiguravaju\u0107a ku\u0107a individualno izra\u010dunava va\u0161u premiju. Sljede\u0107e je posebno va\u017eno:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Vozilo<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nova cijena i model<\/li>\n\n\n\n<li>Snaga motora<\/li>\n\n\n\n<li>Tro\u0161kovi popravka<\/li>\n\n\n\n<li>Rizik od kra\u0111e<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. Profil voza\u010da<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dob i voza\u010dko iskustvo<\/li>\n\n\n\n<li>Bonus klasa bez \u0161tete<\/li>\n\n\n\n<li>Kanton prebivali\u0161ta<\/li>\n\n\n\n<li>Upotreba (privatna \/ poslovna)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. Opseg osiguranja<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Odbitak<\/li>\n\n\n\n<li>Dodatna pokrivenost<\/li>\n\n\n\n<li>Sustav bonusa\/kazni<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Osiguranje od odgovornosti, djelomi\u010dno kasko ili potpuno kasko osiguranje?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Osiguranje od odgovornosti (obavezno)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pokriva \u0161tete tre\u0107im stranama. Najjeftinija opcija, preporu\u010duje se za starija vozila.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Djelomi\u010dno kasko osiguranje<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pokriva \u0161tete poput kra\u0111e, razbijenog stakla, tu\u010de ili sudara sa \u017eivotinjama.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kasko osiguranje<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Dodatno pokri\u0107e za \u0161tetu na va\u0161em vozilu u nesre\u0107i. Korisno za nove ili leasing automobile.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Razlike po kantonima<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tro\u0161kovi se zna\u010dajno razlikuju ovisno o tome gdje \u017eivite. Razlozi za to uklju\u010duju:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Statistika nesre\u0107a<\/li>\n\n\n\n<li>Stopa kra\u0111e<\/li>\n\n\n\n<li>Cijene popravaka<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Gradovi poput Z\u00fcricha ili \u017deneve obi\u010dno su skuplji od ruralnih regija.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Kako mo\u017eete u\u0161tedjeti novac na osiguranju automobila?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Odaberite ve\u0107u fran\u0161izu<\/li>\n\n\n\n<li>Usporedite pru\u017eatelje usluga godi\u0161nje<\/li>\n\n\n\n<li>Izbjegavajte nepotrebne dodatne usluge<\/li>\n\n\n\n<li>Aktivno pobolj\u0161avaj bonus razinu (vozi bez o\u0161te\u0107enja)<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Zaklju\u010dak<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Koliko ko\u0161ta osiguranje automobila u \u0160vicarskoj? Odgovor uvelike ovisi o va\u0161im individualnim okolnostima. Realno, trebali biste... <strong>izme\u0111u 300 i 1600 CHF godi\u0161nje<\/strong> Planirajte unaprijed. Usporedba se gotovo uvijek isplati \u2013 \u010desto mo\u017eete u\u0161tedjeti nekoliko stotina franaka.<\/p>\n\n\n\n<!-- schweiz.blog x schweiz.work -->\n<div style=\"  margin:56px 0;  padding:24px 28px;  border-left:3px solid #60a5fa;  background:rgba(255,255,255,0.02);  color:#e5e7eb;  font-family:system-ui,sans-serif;\">\n  <p style=\"margin:0 0 12px 0; font-size:15px; line-height:1.7;\">\n    Osim ovog bloga, tako\u0111er vodimo <strong>\u0161vicarska.rad<\/strong>  \n    platforma za usluge u \u0160vicarskoj.\n  <\/p>\n\n  <p style=\"margin:0; font-size:15px;\">\n    <a href=\"https:\/\/schweiz.work\/?ref=schweizblog\" style=\"color:#93c5fd; font-weight:500; text-decoration:none;\" target=\"_blank\" rel=\"noopener\">\n      1 oglas trenutno besplatan 30 dana \u2192\n    <\/a>\n  <\/p>\n<\/div>\n<!-- \/schweiz.blog x schweiz.work -->","protected":false},"excerpt":{"rendered":"Was kostet eine Autoversicherung in der Schweiz? Diese Frage stellen sich jedes Jahr hunderttausende Autofahrer \u2013 besonders vor&hellip;","protected":false},"author":274216737,"featured_media":1384,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":true,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"csco_display_header_overlay":false,"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","csco_page_reading_time":"","csco_page_toc_navigation":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"csco_post_video_bg_volume":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[2725,2710],"tags":[3458,3460,3462,3461,3459],"class_list":{"0":"post-1380","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-leben","8":"category-allgemein","9":"tag-autoversicherung-kosten-schweiz","10":"tag-haftpflicht-auto-schweiz","11":"tag-teilkasko-schweiz","12":"tag-vollkasko-schweiz","13":"tag-was-kostet-eine-autoversicherung-in-der-schweiz","14":"cs-entry","15":"cs-video-wrap"},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/schweiz.blog\/wp-content\/uploads\/2025\/12\/20251229_1826_Autoversicherung-Schweiz-Minimalistisch_simple_compose_01kdnjbd84f86bbqtr7v5ankz2.png?fit=1536%2C1024&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pgWLwP-mg","_links":{"self":[{"href":"https:\/\/schweiz.blog\/hr\/wp-json\/wp\/v2\/posts\/1380","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweiz.blog\/hr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schweiz.blog\/hr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/hr\/wp-json\/wp\/v2\/users\/274216737"}],"replies":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/hr\/wp-json\/wp\/v2\/comments?post=1380"}],"version-history":[{"count":2,"href":"https:\/\/schweiz.blog\/hr\/wp-json\/wp\/v2\/posts\/1380\/revisions"}],"predecessor-version":[{"id":1385,"href":"https:\/\/schweiz.blog\/hr\/wp-json\/wp\/v2\/posts\/1380\/revisions\/1385"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/hr\/wp-json\/wp\/v2\/media\/1384"}],"wp:attachment":[{"href":"https:\/\/schweiz.blog\/hr\/wp-json\/wp\/v2\/media?parent=1380"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweiz.blog\/hr\/wp-json\/wp\/v2\/categories?post=1380"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweiz.blog\/hr\/wp-json\/wp\/v2\/tags?post=1380"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}