{"id":61425,"date":"2026-02-23T15:55:46","date_gmt":"2026-02-23T14:55:46","guid":{"rendered":"https:\/\/visitteo.com\/?p=61425"},"modified":"2026-02-23T15:55:46","modified_gmt":"2026-02-23T14:55:46","slug":"zavarovanje-pri-najemu-avtomobila-v-italiji","status":"publish","type":"post","link":"https:\/\/visitteo.com\/sl\/zavarovanje-pri-najemu-avtomobila-v-italiji\/","title":{"rendered":"Zavarovanje pri najemu avtomobila v Italiji: Fran\u0161iza, var\u0161\u010dine in koristni nasveti"},"content":{"rendered":"<div class=\"highlight-block\">\n<p>Zavarovanje pri najemu avtomobila v Italiji pogosto odlo\u010da o tem, ali se majhna praska spremeni v nepomembno nev\u0161e\u010dnost ali v drag zaplet.<\/p>\n<\/div>\n<p>Ta vodi\u010d pojasnjuje, katera zavarovanja so pri najemu avtomobila v Italiji zakonsko vklju\u010dena in kateri stro\u0161ki ostanejo va\u0161a finan\u010dna odgovornost. Izvedeli boste, kako fran\u0161iza, var\u0161\u010dina in dodatna kritja vplivajo na dejanske stro\u0161ke \u2014 ter kako izbrati ustrezno za\u0161\u010dito glede na va\u0161 na\u010din potovanja in na\u010drte.<\/p>\n<div class=\"affilliate-wrapper\">\n\t\t<div class=\"affilliate editor-content\">\n\t\t\t<p>Ta \u010dlanek vsebuje affiliate povezave.&nbsp;<span class=\"show-more-less\" data-show-more=\"Poka\u017ei ve\u010d\" data-show-less=\"Prika\u017ei manj\" data-text=\"Vse sezname so neodvisno izbrali na\u0161i uredniki, da bi na\u0161e bralce informirali, navdihnili in svetovali o najbolj\u0161ih izbirah za njihove po\u010ditnice. \u010ce kliknete in rezervirate, lahko zaslu\u017eimo majhno provizijo. Bodite prepri\u010dani, to ne vpliva na va\u0161e stro\u0161ke rezervacije.\"><button type=\"button\" class=\"show-more-less-button\">Poka\u017ei ve\u010d<\/button><\/span><\/p>\n\t\t<\/div>\n\t<\/div>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-61307 size-full\" src=\"https:\/\/visitteo.com\/wp-content\/uploads\/2026\/02\/Signing-car-rental-insurance-in-Italy.jpg\" alt=\"Podpisovanje zavarovanja pri najemu avtomobila v Italiji.\" width=\"1200\" height=\"600\" srcset=\"https:\/\/visitteo.com\/wp-content\/uploads\/2026\/02\/Signing-car-rental-insurance-in-Italy.jpg 1200w, https:\/\/visitteo.com\/wp-content\/uploads\/2026\/02\/Signing-car-rental-insurance-in-Italy-300x150.jpg 300w, https:\/\/visitteo.com\/wp-content\/uploads\/2026\/02\/Signing-car-rental-insurance-in-Italy-1024x512.jpg 1024w, https:\/\/visitteo.com\/wp-content\/uploads\/2026\/02\/Signing-car-rental-insurance-in-Italy-768x384.jpg 768w\" sizes=\"calc(100vw * var(--container-width) - var(--container-gutter-width)\" \/><\/p>\n\n<p data-start=\"0\" data-end=\"236\">Ta vodi\u010d temelji na analizi najemnih pogodb in zavarovalnih struktur na ve\u010djih italijanskih letali\u0161\u010dih ter mestnih poslovalnicah, vklju\u010dno z Letali\u0161\u010dem Rim Fiumicino, Letali\u0161\u010dem Milano Malpensa, Letali\u0161\u010dem Neapelj in Letali\u0161\u010dem Firence.<\/p>\n<h2 data-start=\"238\" data-end=\"305\">Ali res potrebujete zavarovanje pri najemu avtomobila v Italiji?<\/h2>\n<p data-start=\"307\" data-end=\"466\">Osnovno zavarovanje je v Italiji vklju\u010deno pri vsakem najemu, vendar je obi\u010dajno povezano z visoko fran\u0161izo in precej\u0161njo blokado sredstev na kreditni kartici.<\/p>\n<p data-start=\"468\" data-end=\"671\">Torej, ali res potrebujete dodatno zavarovanje pri najemu avtomobila v Italiji? <strong>Da<\/strong> \u2014 dodatno kritje je smiselno predvsem takrat, ko so zneski fran\u0161ize visoki ali ko obstaja ve\u010dje tveganje pri parkiranju.<\/p>\n<p data-start=\"673\" data-end=\"905\">Na ve\u010djih letali\u0161\u010dih, kot so <a href=\"https:\/\/visitteo.com\/sl\/rental-airport\/najem-avtomobila-letalisce-rim-fiumicino\/\" target=\"_blank\" rel=\"noopener\">Letali\u0161\u010de Rim Fiumicino<\/a>, <a href=\"https:\/\/visitteo.com\/sl\/rental-airport\/najem-avtomobila-letalisce-milano-malpensa\/\" target=\"_blank\" rel=\"noopener\">Letali\u0161\u010de Milano Malpensa<\/a> in <a href=\"https:\/\/visitteo.com\/sl\/rental-airport\/najem-avtomobila-letalisce-palermo-italija\/\" target=\"_blank\" rel=\"noopener\">Letali\u0161\u010de Palermo<\/a>, so zneski fran\u0161ize in blokade var\u0161\u010din praviloma vi\u0161ji kot v manj\u0161ih mestnih poslovalnicah, zlasti v \u010dasu glavne turisti\u010dne sezone.<\/p>\n<p data-start=\"907\" data-end=\"1079\" data-is-last-node=\"\" data-is-only-node=\"\">Kot pojasnjujemo v na\u0161em \u0161ir\u0161em <a href=\"https:\/\/visitteo.com\/sl\/najem-avtomobila-v-italiji\/\" target=\"_blank\" rel=\"noopener\">vodi\u010du o najemu avtomobila v Italiji<\/a>, je odlo\u010ditev o zavarovanju mo\u010dno odvisna od va\u0161e poti, okolja parkiranja in vi\u0161ine morebitne fran\u0161ize.<\/p>\n<h2 data-start=\"0\" data-end=\"77\">Kje najti najbolj\u0161e ponudbe za zavarovanje pri najemu avtomobila v Italiji<\/h2>\n<p data-start=\"79\" data-end=\"235\">V svetu spletnih primerjalnikov najema avtomobilov <a href=\"https:\/\/www.discovercars.com\/?a_aid=visiteo\" target=\"_blank\" rel=\"noopener\">Discover Cars<\/a> in <a href=\"https:\/\/www.economybookings.com\/?btag=visitteo\" target=\"_blank\" rel=\"noopener\">EconomyBookings<\/a> ponujata \u0161iroko pokritost po Evropi ter pregledne zavarovalne strukture.<\/p>\n<p data-start=\"237\" data-end=\"425\">V na\u0161i analizi ve\u010djih rezervacijskih platform sta Discover Cars in EconomyBookings dosledno prikazovala podatke o fran\u0161izi in dodatnih kritjih bolj jasno kot \u0161tevilne druge spletne strani.<\/p>\n<h3>Discover Cars<\/h3>\n<ul>\n<li>Ena najve\u010djih ponudb najema avtomobilov v Italiji<\/li>\n<li>Prikazuje osnovno zavarovanje, vklju\u010deno v vse cene<\/li>\n<li>Omogo\u010da dodajanje dodatnega kritja med rezervacijo, tako da lahko \u017ee pred pla\u010dilom ocenite skupne stro\u0161ke za\u0161\u010dite<\/li>\n<\/ul>\n<p class=\"button-link has-icon\"><a href=\"https:\/\/www.discovercars.com\/?a_aid=visiteo\" target=\"_blank\" rel=\"noopener\">Rezervirajte pri Discover Cars<\/a><\/p>\n<h3>EconomyBookings<\/h3>\n<ul>\n<li>Zdru\u017euje ponudbe globalnih in lokalnih italijanskih blagovnih znamk v enem iskanju<\/li>\n<li>V prikazanih cenah vklju\u010duje obvezno osnovno zavarovanje, pri \u010demer se vi\u0161ina fran\u0161ize razlikuje glede na ponudnika<\/li>\n<li>Med postopkom rezervacije so na voljo dodatni paketi za\u0161\u010dite<\/li>\n<\/ul>\n<p class=\"button-link has-icon\"><a href=\"https:\/\/www.economybookings.com\/?btag=visitteo\" target=\"_blank\" rel=\"noopener\">Rezervirajte pri EconomyBookings<\/a><\/p>\n<p>Pri najemu vozil na italijanskih letali\u0161\u010dih se zneski fran\u0161ize obi\u010dajno gibljejo med <strong>900 \u20ac in 1.800 \u20ac<\/strong>, odvisno od kategorije vozila \u2014 ti platformi te podatke jasno prika\u017eeta \u0161e pred zaklju\u010dkom rezervacije.<\/p>\n<h2><img decoding=\"async\" class=\"aligncenter wp-image-61296 size-full\" src=\"https:\/\/visitteo.com\/wp-content\/uploads\/2026\/02\/Red-rental-car-driving-past-the-Colosseum-in-Rome.png\" alt=\"Rde\u010d najeti avtomobil vozi mimo Koloseja v Rimu.\" width=\"1200\" height=\"750\" srcset=\"https:\/\/visitteo.com\/wp-content\/uploads\/2026\/02\/Red-rental-car-driving-past-the-Colosseum-in-Rome.png 1200w, https:\/\/visitteo.com\/wp-content\/uploads\/2026\/02\/Red-rental-car-driving-past-the-Colosseum-in-Rome-300x188.png 300w, https:\/\/visitteo.com\/wp-content\/uploads\/2026\/02\/Red-rental-car-driving-past-the-Colosseum-in-Rome-1024x640.png 1024w, https:\/\/visitteo.com\/wp-content\/uploads\/2026\/02\/Red-rental-car-driving-past-the-Colosseum-in-Rome-768x480.png 768w\" sizes=\"calc(100vw * var(--container-width) - var(--container-gutter-width)\" \/><\/h2>\n<h2 data-start=\"0\" data-end=\"77\">Katera zavarovanja so pri najemu avtomobila v Italiji vklju\u010dena po zakonu?<\/h2>\n<p data-start=\"79\" data-end=\"213\">Pri najemu avtomobila v Italiji so dolo\u010dene oblike zavarovanja zakonsko vklju\u010dene v ceno najema. To predstavlja osnovno raven za\u0161\u010dite.<\/p>\n<p data-start=\"215\" data-end=\"365\">Vendar ta kritja skoraj vedno vklju\u010dujejo fran\u0161izo, kar pomeni, da v primeru \u0161kode ali kraje ostajate finan\u010dno odgovorni do vnaprej dolo\u010denega zneska.<\/p>\n<h3 data-start=\"367\" data-end=\"403\">Zavarovanje za primer trka (CDW)<\/h3>\n<p data-start=\"405\" data-end=\"589\">CDW omejuje va\u0161o finan\u010dno odgovornost, \u010de je najet avtomobil po\u0161kodovan. Ne odpravi va\u0161e odgovornosti v celoti, temve\u010d zni\u017ea najvi\u0161ji znesek, ki bi ga morali pla\u010dati v primeru nesre\u010de.<\/p>\n<p data-start=\"591\" data-end=\"597\"><strong>Krije:<\/strong><\/p>\n<ul>\n<li data-start=\"599\" data-end=\"755\">Po\u0161kodbe na najetem vozilu zaradi trka ali udarca<\/li>\n<li data-start=\"599\" data-end=\"755\">Po\u0161kodbe karoserije, nastale v ve\u010dini prometnih nesre\u010d<\/li>\n<li data-start=\"599\" data-end=\"755\">Stro\u0161ke popravila do vi\u0161ine dolo\u010dene fran\u0161ize<\/li>\n<\/ul>\n<h3 data-start=\"757\" data-end=\"807\">Zavarovanje odgovornosti do tretjih oseb (TPL)<\/h3>\n<p data-start=\"809\" data-end=\"1011\">Zavarovanje odgovornosti do tretjih oseb je po italijanski zakonodaji obvezno in je vedno vklju\u010deno v najem. \u0160\u010diti vas, \u010de med vo\u017enjo povzro\u010dite \u0161kodo ali po\u0161kodbe drugim osebam, vozilom ali premo\u017eenju.<\/p>\n<p data-start=\"1013\" data-end=\"1160\">Minimalno kritje odgovornosti je urejeno z italijansko zakonodajo o civilni odgovornosti in usklajeno z direktivami <a href=\"https:\/\/finance.ec.europa.eu\/consumer-finance-and-payments\/insurance\/motor-insurance_en\" target=\"_blank\" rel=\"noopener\">EU o avtomobilskem zavarovanju<\/a>.<\/p>\n<p data-start=\"1162\" data-end=\"1168\"><strong>Krije:<\/strong><\/p>\n<ul>\n<li data-start=\"1170\" data-end=\"1307\">Po\u0161kodbe drugih voznikov, potnikov ali pe\u0161cev<\/li>\n<li data-start=\"1170\" data-end=\"1307\">\u0160kodo na drugih vozilih, udele\u017eenih v nesre\u010di<\/li>\n<li data-start=\"1170\" data-end=\"1307\">\u0160kodo na javnem ali zasebnem premo\u017eenju<\/li>\n<\/ul>\n<h3 data-start=\"1309\" data-end=\"1341\">Zavarovanje proti kraji (TP)<\/h3>\n<p data-start=\"1343\" data-end=\"1531\">Zavarovanje proti kraji zmanj\u0161a va\u0161o finan\u010dno odgovornost, \u010de je vozilo ukradeno ali po\u0161kodovano med poskusom kraje. Tako kot pri CDW tudi tukaj velja fran\u0161iza, dolo\u010dena v najemni pogodbi.<\/p>\n<p data-start=\"1533\" data-end=\"1539\"><strong>Krije:<\/strong><\/p>\n<ul>\n<li data-start=\"1541\" data-end=\"1641\">Krajo celotnega vozila<\/li>\n<li data-start=\"1541\" data-end=\"1641\">Po\u0161kodbe, nastale pri poskusu kraje<\/li>\n<li data-start=\"1541\" data-end=\"1641\">Izgube do vi\u0161ine pogodbene fran\u0161ize<\/li>\n<\/ul>\n<p data-start=\"1643\" data-end=\"1844\" data-is-last-node=\"\" data-is-only-node=\"\">V italijanskih najemnih pogodbah CDW in zavarovanje proti kraji delujeta kot lo\u010deni omejitvi odgovornosti, pri \u010demer vi\u0161ji znesek fran\u0161ize obi\u010dajno dolo\u010da vi\u0161ino blokirane var\u0161\u010dine na kreditni kartici.<\/p>\n<h2 data-start=\"0\" data-end=\"72\">Dodatno (a priporo\u010dljivo) zavarovanje pri najemu avtomobila v Italiji<\/h2>\n<p data-start=\"74\" data-end=\"178\">Poleg zakonsko vklju\u010denih kritij najemne dru\u017ebe v Italiji obi\u010dajno ponujajo tudi dodatne oblike za\u0161\u010dite.<\/p>\n<p data-start=\"180\" data-end=\"323\">Ta kritja niso obvezna, vendar zmanj\u0161ajo finan\u010dno tveganje, zlasti kadar je fran\u0161iza vi\u0161ja od obi\u010dajne var\u0161\u010dine, blokirane na kreditni kartici.<\/p>\n<p data-start=\"325\" data-end=\"617\">Zavarovanje fran\u0161ize pri tretjih ponudnikih deluje druga\u010de kot Super CDW, ki ga ponuja najemna dru\u017eba. Namesto da bi ob prevzemu vozila zni\u017ealo var\u0161\u010dino, deluje po sistemu povra\u010dila stro\u0161kov \u2014 kar pomeni, da morate fran\u0161izo najprej pla\u010dati sami, nato pa znesek uveljavljate pri zavarovalnici.<\/p>\n<h3 data-start=\"619\" data-end=\"653\">Super CDW (SCDW)<\/h3>\n<p data-start=\"655\" data-end=\"835\">Super CDW zmanj\u0161a ali v celoti odpravi fran\u0161izo, povezano s standardnim CDW. Ne nadome\u0161\u010da osnovnega CDW, temve\u010d zni\u017euje va\u0161 najve\u010dji mo\u017eni lastni stro\u0161ek v primeru po\u0161kodbe vozila.<\/p>\n<p data-start=\"837\" data-end=\"1019\">Kljub imenu CDW ni klasi\u010dno zavarovanje, temve\u010d pogodbena omejitev odgovornosti. To pomeni, da najemna dru\u017eba ohrani tveganje, vendar omeji va\u0161 najve\u010dji finan\u010dni izpostavljen znesek.<\/p>\n<p data-start=\"1021\" data-end=\"1027\"><strong>Krije:<\/strong><\/p>\n<ul>\n<li data-start=\"1029\" data-end=\"1193\">Zmanj\u0161anje ali odpravo zneska fran\u0161ize pri CDW<\/li>\n<li data-start=\"1029\" data-end=\"1193\">\u0160ir\u0161o za\u0161\u010dito za manj\u0161e po\u0161kodbe karoserije v \u0161tevilnih primerih<\/li>\n<li data-start=\"1029\" data-end=\"1193\">Ni\u017ejo finan\u010dno odgovornost po prometni nesre\u010di<\/li>\n<\/ul>\n<h3 data-start=\"1195\" data-end=\"1231\">Zavarovanje osebnih nezgod (PAI)<\/h3>\n<p data-start=\"1233\" data-end=\"1473\">Zavarovanje osebnih nezgod zagotavlja omejeno kritje zdravstvenih stro\u0161kov in posledic nesre\u010de za voznika ter v nekaterih primerih tudi za potnike. V dolo\u010denih situacijah se prekriva z \u017ee obstoje\u010dim potovalnim ali zdravstvenim zavarovanjem.<\/p>\n<p data-start=\"1475\" data-end=\"1481\"><strong>Krije:<\/strong><\/p>\n<ul>\n<li data-start=\"1483\" data-end=\"1618\">Zdravstvene stro\u0161ke po prometni nesre\u010di<\/li>\n<li data-start=\"1483\" data-end=\"1618\">Od\u0161kodnino v primeru nenamerne smrti<\/li>\n<li data-start=\"1483\" data-end=\"1618\">Omejeno kritje za potnike, odvisno od pogojev police<\/li>\n<\/ul>\n<h3 data-start=\"1620\" data-end=\"1644\">Pomo\u010d na cesti (RSA)<\/h3>\n<p data-start=\"1646\" data-end=\"1799\">Pomo\u010d na cesti nudi prakti\u010dno podporo, \u010de vozilo med najemom postane nevozno. Osnovna pomo\u010d na cesti je praviloma vklju\u010dena v standardne najemne pogodbe.<\/p>\n<p data-start=\"1801\" data-end=\"1807\"><strong>Krije:<\/strong><\/p>\n<ul>\n<li data-start=\"1809\" data-end=\"1988\">Vleko vozila v primeru mehanske okvare<\/li>\n<li data-start=\"1809\" data-end=\"1988\">Pomo\u010d na kraju samem pri te\u017eavah z akumulatorjem, pnevmatikami ali klju\u010di<\/li>\n<li data-start=\"1809\" data-end=\"1988\">Raz\u0161irjeno pomo\u010d v primerih, ki niso zajeti v osnovni storitvi<\/li>\n<\/ul>\n<h2 data-start=\"0\" data-end=\"73\">Katera \u0161koda je v Italiji najpogosteje izklju\u010dena iz osnovnega kritja?<\/h2>\n<p data-start=\"75\" data-end=\"201\">Standardni CDW, zavarovanje odgovornosti do tretjih oseb in zavarovanje proti kraji pogosto ne krijejo dolo\u010denih vrst po\u0161kodb.<\/p>\n<p data-start=\"203\" data-end=\"230\"><strong>Najpogosteje so izklju\u010dene:<\/strong><\/p>\n<ul>\n<li data-start=\"232\" data-end=\"404\"><strong>Po\u0161kodbe pnevmatik<\/strong><\/li>\n<li data-start=\"232\" data-end=\"404\"><strong>Po\u0161kodbe vetrobranskega stekla<\/strong><\/li>\n<li data-start=\"232\" data-end=\"404\"><strong>Po\u0161kodbe podvozja<\/strong><\/li>\n<li data-start=\"232\" data-end=\"404\"><strong>Po\u0161kodbe notranjosti vozila<\/strong><\/li>\n<li data-start=\"232\" data-end=\"404\"><strong>Izguba klju\u010dev<\/strong><\/li>\n<li data-start=\"232\" data-end=\"404\"><strong>Administrativni stro\u0161ki obdelave \u0161kodnega primera<\/strong><\/li>\n<\/ul>\n<p data-start=\"406\" data-end=\"489\">Prav te izklju\u010ditve so med najpogostej\u0161imi razlogi za nesoglasja ob vra\u010dilu vozila.<\/p>\n<p data-start=\"491\" data-end=\"667\" data-is-last-node=\"\" data-is-only-node=\"\">Administrativni stro\u0161ki obdelave, ki se obi\u010dajno gibljejo med <strong>30 \u20ac in 60 \u20ac na primer<\/strong>, so prav tako pogosto izklju\u010deni iz standardnega kritja in jih mora najemnik poravnati sam.<\/p>\n<h2><img decoding=\"async\" class=\"aligncenter wp-image-61274 size-full\" src=\"https:\/\/visitteo.com\/wp-content\/uploads\/2026\/02\/Couple-with-convertible-rental-car-on-the-Italian-coastline-symbolizing-financial-protection-considerations-in-car-rental-insurance-in-Italy.jpg\" alt=\"Mlad zaljubljen par u\u017eiva v razgledih, skupaj sedi na pokrovu avtomobila in potuje ob skalnati obali oceana. Brezskrben \u017eivljenjski slog, ljubezen in potovanja.\" width=\"1200\" height=\"750\" srcset=\"https:\/\/visitteo.com\/wp-content\/uploads\/2026\/02\/Couple-with-convertible-rental-car-on-the-Italian-coastline-symbolizing-financial-protection-considerations-in-car-rental-insurance-in-Italy.jpg 1200w, https:\/\/visitteo.com\/wp-content\/uploads\/2026\/02\/Couple-with-convertible-rental-car-on-the-Italian-coastline-symbolizing-financial-protection-considerations-in-car-rental-insurance-in-Italy-300x188.jpg 300w, https:\/\/visitteo.com\/wp-content\/uploads\/2026\/02\/Couple-with-convertible-rental-car-on-the-Italian-coastline-symbolizing-financial-protection-considerations-in-car-rental-insurance-in-Italy-1024x640.jpg 1024w, https:\/\/visitteo.com\/wp-content\/uploads\/2026\/02\/Couple-with-convertible-rental-car-on-the-Italian-coastline-symbolizing-financial-protection-considerations-in-car-rental-insurance-in-Italy-768x480.jpg 768w\" sizes=\"calc(100vw * var(--container-width) - var(--container-gutter-width)\" \/><\/h2>\n<h2 data-start=\"0\" data-end=\"68\">Koliko stane dodatno zavarovanje pri najemu avtomobila v Italiji?<\/h2>\n<p data-start=\"70\" data-end=\"190\">Cena dodatnega zavarovanja v Italiji je odvisna od vrste kritja, lokacije najema, kategorije vozila in \u010dasa rezervacije.<\/p>\n<p data-start=\"192\" data-end=\"337\">Cene so praviloma vi\u0161je na letali\u0161\u010dih in v \u010dasu glavne turisti\u010dne sezone, medtem ko spletna rezervacija vnaprej pogosto omogo\u010da ugodnej\u0161e tarife.<\/p>\n<p data-start=\"339\" data-end=\"479\">Spodnji dnevni razponi prikazujejo tipi\u010dne cene, ki jih lahko pri\u010dakujete pri rezervaciji dodatnih zavarovanj neposredno pri najemni dru\u017ebi.<\/p>\n<h3 data-start=\"481\" data-end=\"529\">Majhna vozila (npr. Fiat Panda, Toyota Aygo)<\/h3>\n<p data-start=\"531\" data-end=\"663\">Super CDW (SCDW): <strong data-start=\"549\" data-end=\"560\">12\u201318 \u20ac<\/strong> na dan<br data-start=\"567\" data-end=\"570\" \/>Zavarovanje osebnih nezgod (PAI): <strong data-start=\"604\" data-end=\"613\">5\u20138 \u20ac<\/strong> na dan<br data-start=\"620\" data-end=\"623\" \/>Pomo\u010d na cesti (RSA): <strong data-start=\"645\" data-end=\"654\">4\u20137 \u20ac<\/strong> na dan<\/p>\n<h3 data-start=\"665\" data-end=\"718\">Srednja vozila (npr. Volkswagen Golf, Ford Focus)<\/h3>\n<p data-start=\"720\" data-end=\"853\">Super CDW (SCDW): <strong data-start=\"738\" data-end=\"749\">14\u201322 \u20ac<\/strong> na dan<br data-start=\"756\" data-end=\"759\" \/>Zavarovanje osebnih nezgod (PAI): <strong data-start=\"793\" data-end=\"803\">6\u201310 \u20ac<\/strong> na dan<br data-start=\"810\" data-end=\"813\" \/>Pomo\u010d na cesti (RSA): <strong data-start=\"835\" data-end=\"844\">5\u20139 \u20ac<\/strong> na dan<\/p>\n<h3 data-start=\"855\" data-end=\"906\">Velika vozila (npr. Opel Insignia, Peugeot 508)<\/h3>\n<p data-start=\"908\" data-end=\"1042\">Super CDW (SCDW): <strong data-start=\"926\" data-end=\"937\">16\u201326 \u20ac<\/strong> na dan<br data-start=\"944\" data-end=\"947\" \/>Zavarovanje osebnih nezgod (PAI): <strong data-start=\"981\" data-end=\"991\">7\u201312 \u20ac<\/strong> na dan<br data-start=\"998\" data-end=\"1001\" \/>Pomo\u010d na cesti (RSA): <strong data-start=\"1023\" data-end=\"1033\">5\u201310 \u20ac<\/strong> na dan<\/p>\n<h3 data-start=\"1044\" data-end=\"1093\">SUV vozila (npr. Nissan Qashqai, Toyota RAV4)<\/h3>\n<p data-start=\"1095\" data-end=\"1229\">Super CDW (SCDW): <strong data-start=\"1113\" data-end=\"1124\">18\u201330 \u20ac<\/strong> na dan<br data-start=\"1131\" data-end=\"1134\" \/>Zavarovanje osebnih nezgod (PAI): <strong data-start=\"1168\" data-end=\"1178\">8\u201314 \u20ac<\/strong> na dan<br data-start=\"1185\" data-end=\"1188\" \/>Pomo\u010d na cesti (RSA): <strong data-start=\"1210\" data-end=\"1220\">6\u201312 \u20ac<\/strong> na dan<\/p>\n<h3 data-start=\"1231\" data-end=\"1275\">Kombiji (npr. Ford Transit, Opel Vivaro)<\/h3>\n<p data-start=\"1277\" data-end=\"1411\">Super CDW (SCDW): <strong data-start=\"1295\" data-end=\"1306\">20\u201332 \u20ac<\/strong> na dan<br data-start=\"1313\" data-end=\"1316\" \/>Zavarovanje osebnih nezgod (PAI): <strong data-start=\"1350\" data-end=\"1360\">8\u201314 \u20ac<\/strong> na dan<br data-start=\"1367\" data-end=\"1370\" \/>Pomo\u010d na cesti (RSA): <strong data-start=\"1392\" data-end=\"1402\">6\u201312 \u20ac<\/strong> na dan<\/p>\n<h3 data-start=\"1413\" data-end=\"1471\">Premium vozila (npr. BMW serije 3, Mercedes razreda C)<\/h3>\n<p data-start=\"1473\" data-end=\"1607\">Super CDW (SCDW): <strong data-start=\"1491\" data-end=\"1502\">24\u201338 \u20ac<\/strong> na dan<br data-start=\"1509\" data-end=\"1512\" \/>Zavarovanje osebnih nezgod (PAI): <strong data-start=\"1546\" data-end=\"1556\">9\u201315 \u20ac<\/strong> na dan<br data-start=\"1563\" data-end=\"1566\" \/>Pomo\u010d na cesti (RSA): <strong data-start=\"1588\" data-end=\"1598\">7\u201313 \u20ac<\/strong> na dan<\/p>\n<p data-start=\"1609\" data-end=\"1811\">Navedeni razponi so informativni. Nekatera podjetja ponujajo tudi pakete, ki zdru\u017eujejo ve\u010d elementov (na primer SCDW + RSA po skupni ceni). Pred potrditvijo rezervacije vedno preverite natan\u010dne pogoje.<\/p>\n<p data-start=\"1813\" data-end=\"2018\" data-is-last-node=\"\" data-is-only-node=\"\">Ti razponi odra\u017eajo tipi\u010dne cene na ve\u010djih italijanskih letali\u0161\u010dih v obi\u010dajnem sezonskem povpra\u0161evanju. Poslovalnice v mestnih sredi\u0161\u010dih in rezervacije izven sezone so lahko cenej\u0161e od navedenih povpre\u010dij.<\/p>\n<h2 data-start=\"0\" data-end=\"68\">Polno kritje ali osnovno zavarovanje: kak\u0161na je resni\u010dna razlika?<\/h2>\n<h3 data-start=\"70\" data-end=\"93\">Osnovno zavarovanje<\/h3>\n<p data-start=\"95\" data-end=\"403\">Osnovno zavarovanje v Italiji obi\u010dajno vklju\u010duje CDW, zavarovanje proti kraji in zavarovanje odgovornosti do tretjih oseb, skoraj vedno pa tudi fran\u0161izo. \u010ce pride do \u0161kode ali kraje, ostajate finan\u010dno odgovorni do vnaprej dolo\u010denega zneska. Za\u010detni stro\u0161ki najema so ni\u017eji, vendar je finan\u010dno tveganje ve\u010dje.<\/p>\n<h3 data-start=\"405\" data-end=\"421\">Polno kritje<\/h3>\n<p data-start=\"423\" data-end=\"749\">Polno kritje pri najemu avtomobila zmanj\u0161a ali v celoti odpravi fran\u0161izo, povezano z osnovnim zavarovanjem. Dnevna cena najema je sicer vi\u0161ja, vendar se va\u0161a neposredna finan\u010dna odgovornost v primeru \u0161kode ali kraje bistveno zmanj\u0161a. To pomeni ve\u010djo predvidljivost stro\u0161kov, zlasti pri najemih na letali\u0161\u010dih z visoko fran\u0161izo.<\/p>\n<h3 data-start=\"751\" data-end=\"790\">Primer iz prakse: vo\u017enja po Neaplju<\/h3>\n<p data-start=\"792\" data-end=\"989\"><a href=\"https:\/\/visitteo.com\/sl\/rental-airport\/najem-avtomobila-letalisce-neapelj-italija\/\" target=\"_blank\" rel=\"noopener\">Avtomobil najamete na Letali\u0161\u010du Neapelj<\/a> in ga \u010dez no\u010d parkirate v bli\u017eini zgodovinskega sredi\u0161\u010da. Naslednje jutro na vratih opazite globoko prasko, najverjetneje zaradi tesnega parkiranja na ulici.<\/p>\n<p data-start=\"991\" data-end=\"1256\">Z osnovnim zavarovanjem in fran\u0161izo v vi\u0161ini 1.200 \u20ac ste lahko odgovorni za stro\u0161ke popravila do tega zneska. S polnim kritjem je fran\u0161iza zmanj\u0161ana ali odpravljena, \u0161koda pa je obi\u010dajno urejena brez dodatnih stro\u0161kov iz va\u0161ega \u017eepa, razen \u017ee pla\u010danega zavarovanja.<\/p>\n<p data-start=\"1258\" data-end=\"1466\" data-is-last-node=\"\" data-is-only-node=\"\">V gostih zgodovinskih mestnih sredi\u0161\u010dih, kot so <a href=\"https:\/\/visitteo.com\/sl\/rental-location\/najem-avtomobila-firence-italija\/\" target=\"_blank\" rel=\"noopener\">Firence<\/a>, <a href=\"https:\/\/visitteo.com\/sl\/rental-location\/najem-avtomobila-rim\/\" target=\"_blank\" rel=\"noopener\">Rim<\/a> in <a href=\"https:\/\/visitteo.com\/sl\/rental-location\/najem-avtomobila-palermo-italija\/\" target=\"_blank\" rel=\"noopener\">Palermo<\/a>, najemne dru\u017ebe dosledno poro\u010dajo, da so manj\u0161e praske na karoseriji in po\u0161kodbe plati\u0161\u010d med najpogostej\u0161imi te\u017eavami po vra\u010dilu vozila.<\/p>\n<h2><img decoding=\"async\" class=\"aligncenter wp-image-61318 size-full\" src=\"https:\/\/visitteo.com\/wp-content\/uploads\/2026\/02\/Travelers-smiling-in-a-rental-car-during-an-Italian-road-trip-emphasizing-excess-and-coverage-decisions-in-car-rental-insurance-in-Italy.jpg\" alt=\"Tri dekleta se vozijo v kabrioletu in se zabavajo po tem, ko so sklenile zavarovanje pri najemu avtomobila v Italiji.\" width=\"1200\" height=\"750\" srcset=\"https:\/\/visitteo.com\/wp-content\/uploads\/2026\/02\/Travelers-smiling-in-a-rental-car-during-an-Italian-road-trip-emphasizing-excess-and-coverage-decisions-in-car-rental-insurance-in-Italy.jpg 1200w, https:\/\/visitteo.com\/wp-content\/uploads\/2026\/02\/Travelers-smiling-in-a-rental-car-during-an-Italian-road-trip-emphasizing-excess-and-coverage-decisions-in-car-rental-insurance-in-Italy-300x188.jpg 300w, https:\/\/visitteo.com\/wp-content\/uploads\/2026\/02\/Travelers-smiling-in-a-rental-car-during-an-Italian-road-trip-emphasizing-excess-and-coverage-decisions-in-car-rental-insurance-in-Italy-1024x640.jpg 1024w, https:\/\/visitteo.com\/wp-content\/uploads\/2026\/02\/Travelers-smiling-in-a-rental-car-during-an-Italian-road-trip-emphasizing-excess-and-coverage-decisions-in-car-rental-insurance-in-Italy-768x480.jpg 768w\" sizes=\"calc(100vw * var(--container-width) - var(--container-gutter-width)\" \/><\/h2>\n<h2 data-start=\"0\" data-end=\"58\">Kako delujejo var\u0161\u010dine pri najemu avtomobila v Italiji?<\/h2>\n<p data-start=\"60\" data-end=\"179\">Pri najemu avtomobila v Italiji najemne dru\u017ebe ob prevzemu vozila obi\u010dajno blokirajo var\u0161\u010dino na va\u0161i kreditni kartici.<\/p>\n<p data-start=\"181\" data-end=\"322\">Znesek ni dejansko zara\u010dunan, temve\u010d za\u010dasno rezerviran za morebitno \u0161kodo, krajo, prometne kazni ali manjkajo\u010de gorivo med trajanjem najema.<\/p>\n<h3 data-start=\"324\" data-end=\"384\">Kolik\u0161en znesek se obi\u010dajno blokira na kreditni kartici?<\/h3>\n<p data-start=\"386\" data-end=\"490\">Blokirani znesek praviloma odra\u017ea vi\u0161ino fran\u0161ize, povezane z va\u0161im zavarovanjem, ter kategorijo vozila.<\/p>\n<p data-start=\"492\" data-end=\"598\">V ve\u010dini italijanskih najemnih pogodb var\u0161\u010dina ustreza vi\u0161ji fran\u0161izi med CDW in zavarovanjem proti kraji.<\/p>\n<p data-start=\"600\" data-end=\"815\">Zneski var\u0161\u010din se lahko nekoliko razlikujejo glede na regijo. Vi\u0161ja povpre\u010dja so pogosto prisotna na ve\u010djih letali\u0161\u010dih in v ju\u017enih turisti\u010dnih destinacijah, kjer so fran\u0161ize in sezonsko povpra\u0161evanje obi\u010dajno vi\u0161ji.<\/p>\n<h3 data-start=\"817\" data-end=\"872\">Razpon var\u0161\u010din glede na kategorijo vozila v Italiji<\/h3>\n<ul>\n<li data-start=\"874\" data-end=\"1048\"><strong>Majhna vozila:<\/strong> 500\u20131.000 \u20ac<\/li>\n<li data-start=\"874\" data-end=\"1048\"><strong>Srednja vozila:<\/strong> 700\u20131.300 \u20ac<\/li>\n<li data-start=\"874\" data-end=\"1048\"><strong>Velika vozila:<\/strong> 1.000\u20131.800 \u20ac<\/li>\n<li data-start=\"874\" data-end=\"1048\"><strong>SUV vozila:<\/strong> 1.200\u20132.100 \u20ac<\/li>\n<li data-start=\"874\" data-end=\"1048\"><strong>Kombiji:<\/strong> 1.500\u20133.000 \u20ac<\/li>\n<li data-start=\"874\" data-end=\"1048\"><strong>Premium vozila:<\/strong> 1.800\u20133.500 \u20ac<\/li>\n<\/ul>\n<p data-start=\"1050\" data-end=\"1221\">\u010ce primerjate skupne stro\u0161ke potovanja, si oglejte na\u0161 podroben vodi\u010d <a href=\"https:\/\/visitteo.com\/sl\/ali-je-najem-avtomobila-v-italiji\/\" target=\"_blank\" rel=\"noopener\">Ali je najem avtomobila v Italiji drag?<\/a>, kjer boste na\u0161li \u0161ir\u0161o raz\u010dlenitev cen in konkretne primere.<\/p>\n<h3 data-start=\"1223\" data-end=\"1260\">Kdaj in kako se var\u0161\u010dina sprosti?<\/h3>\n<p data-start=\"1262\" data-end=\"1434\">Var\u0161\u010dina se sprosti po vra\u010dilu in pregledu vozila. \u010ce ni zaznane nove \u0161kode, neporavnanega goriva ali prekr\u0161kov, najemna dru\u017eba spro\u017ei postopek sprostitve kmalu po vra\u010dilu.<\/p>\n<p data-start=\"1436\" data-end=\"1569\">V \u0161tevilnih primerih banka potrebuje od<strong> 5 do 14 delovnih dni<\/strong>, da znesek v celoti odblokira, odvisno od izdajatelja kartice in dr\u017eave.<\/p>\n<p data-start=\"1571\" data-end=\"1691\" data-is-last-node=\"\" data-is-only-node=\"\">Fotografije vozila z vidnim \u010dasovnim \u017eigom ob prevzemu in vra\u010dilu bistveno zmanj\u0161ajo mo\u017enost sporov po zaklju\u010dku najema.<\/p>\n<h2 data-start=\"0\" data-end=\"82\">Katera je najcenej\u0161a strategija za zavarovanje pri najemu avtomobila v Italiji?<\/h2>\n<h3 data-start=\"84\" data-end=\"124\">Primerjajte ponudbe pred rezervacijo<\/h3>\n<p data-start=\"126\" data-end=\"427\">Pogoji zavarovanja se med najemnimi dru\u017ebami lahko precej razlikujejo, tudi pri podobnih vozilih in enakih datumih. Ne glejte le na dnevno ceno najema, temve\u010d preverite tudi vi\u0161ino fran\u0161ize, vklju\u010dena kritja in znesek var\u0161\u010dine. Nekoliko vi\u0161ja osnovna cena lahko pomeni manj\u0161e skupno finan\u010dno tveganje.<\/p>\n<h3 data-start=\"429\" data-end=\"488\">Ali je ceneje zni\u017eati fran\u0161izo ali kupiti polno kritje?<\/h3>\n<p data-start=\"490\" data-end=\"698\">Da \u2014 zni\u017eanje fran\u0161ize s Super CDW je pogosto cenovno ugodnej\u0161e na dan kot lo\u010deno kupljeno polno kritje pri tretji osebi. Pri dalj\u0161ih najemih pa je lahko neodvisno zavarovanje v\u010dasih bolj\u0161a dolgoro\u010dna izbira.<\/p>\n<h3 data-start=\"700\" data-end=\"752\">Pametni nasveti za zni\u017eanje stro\u0161kov zavarovanja<\/h3>\n<p data-start=\"754\" data-end=\"1064\">Zgodnja rezervacija obi\u010dajno pomeni bolj\u0161e cene zavarovanja in ve\u010djo izbiro vozil z ni\u017ejo fran\u0161izo. Dodatnih kritij ne sklepajte na pultu, razen \u010de je to nujno, saj so nadgradnje v zadnjem trenutku pogosto dra\u017eje. Vedno preverite tudi, ali va\u0161a kreditna kartica vklju\u010duje kakr\u0161no koli za\u0161\u010dito pri najemu vozil.<\/p>\n<h2 data-start=\"1066\" data-end=\"1078\">Zaklju\u010dek<\/h2>\n<p data-start=\"1080\" data-end=\"1182\">Zavarovanje pri najemu avtomobila v Italiji je premi\u0161ljena finan\u010dna odlo\u010ditev, ne le prodajna taktika.<\/p>\n<p data-start=\"1184\" data-end=\"1315\">Osnovno kritje zadosti zakonskim zahtevam, vendar dejansko tveganje dolo\u010da vi\u0161ina fran\u0161ize \u2014 zlasti na ve\u010djih letali\u0161kih lokacijah.<\/p>\n<p data-start=\"1317\" data-end=\"1503\" data-is-last-node=\"\" data-is-only-node=\"\">\u010ce pred rezervacijo ocenite vi\u0161ino fran\u0161ize, znesek var\u0161\u010dine in strukturo kritja, boste imeli nadzor nad svojo odgovornostjo, namesto da bi se odlo\u010dali pod pritiskom na prevzemnem pultu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Zavarovanje pri najemu avtomobila v Italiji pogosto odlo\u010da o tem, ali se majhna praska spremeni v nepomembno nev\u0161e\u010dnost ali v drag zaplet. Ta vodi\u010d pojasnjuje, katera zavarovanja so pri najemu avtomobila v Italiji zakonsko vklju\u010dena in kateri stro\u0161ki ostanejo va\u0161a finan\u010dna odgovornost. Izvedeli boste, kako fran\u0161iza, var\u0161\u010dina in dodatna kritja vplivajo na dejanske stro\u0161ke \u2014 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":61272,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1287],"tags":[],"post-locations":[755],"class_list":["post-61425","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-italija-vodniki-za-najem-avtomobila"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Zavarovanje pri Najemu Avtomobila v Italiji - Fran\u0161iza in Var\u0161\u010dine<\/title>\n<meta name=\"description\" content=\"Zavarovanje pri najemu avtomobila v Italiji pogosto odlo\u010da o tem, ali se majhna praska spremeni v nepomembno nev\u0161e\u010dnost ali v drag zaplet.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/visitteo.com\/sl\/zavarovanje-pri-najemu-avtomobila-v-italiji\/\" \/>\n<meta property=\"og:locale\" content=\"sl_SI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Zavarovanje pri Najemu Avtomobila v Italiji - 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