{"id":5872,"date":"2026-08-08T00:00:00","date_gmt":"2026-08-07T21:00:00","guid":{"rendered":"https:\/\/techremontas.lt\/?p=5872"},"modified":"2026-08-08T00:00:00","modified_gmt":"2026-08-07T21:00:00","slug":"elektroniniu-prietaisu-draudimas-ar-verta","status":"publish","type":"post","link":"https:\/\/techremontas.lt\/uk\/stacionarus-kompiuteriai\/elektroniniu-prietaisu-draudimas-ar-verta\/","title":{"rendered":"Elektronini\u0173 prietais\u0173 draudimas &#8211; ar verta?"},"content":{"rendered":"<p>Nusipirkai nauj\u0105 telefon\u0105, plan\u0161et\u0119 ar ne\u0161iojam\u0105 kompiuter\u012f, ir kasos aparate pardav\u0117jas jau ruo\u0161iasi klausimo: &#8222;Ar nor\u0117tum\u0117te apdrausti savo \u012frengin\u012f?&#8221; Da\u017eniausiai tai skamba kaip papildomas mokestis, kurio nelabai nori niekas, bet i\u0161 tikr\u0173j\u0173 \u0161is pasi\u016blymas ver\u010dia susim\u0105styti &#8211; o kas, jeigu telefonas nukris \u012f vanden\u012f po savait\u0117s? Pabandykime i\u0161siai\u0161kinti, kaip i\u0161 tikr\u0173j\u0173 veikia elektronini\u0173 prietais\u0173 draudimas, kada jis tampa protingu sprendimu, o kada tiesiog dar vienas b\u016bdas i\u0161leisti pinigus be reikalo.<\/p>\n<h2>Kaip i\u0161 viso veikia elektronikos draudimo mechanika<\/h2>\n<p>I\u0161 esm\u0117s principas nesiskiria nuo automobilio ar b\u016bsto draudimo &#8211; moki fiksuot\u0105 sum\u0105 (arba kart\u0105, arba kas m\u0117nes\u012f), o draudikas \u012fsipareigoja padengti remonto ar keitimo i\u0161laidas, jeigu \u012fvyksta numatytas atvejis. Skirtumas tik toks, kad telefonas kainuoja kelis \u0161imtus eur\u0173, o ne de\u0161imtis t\u016bkstan\u010di\u0173, tod\u0117l visa sistema veikia ma\u017eesniu mastu, ta\u010diau logika lieka ta pati.<\/p>\n<p>Draudimo bendrov\u0117 paprastai skai\u010diuoja rizik\u0105 pagal statistik\u0105 &#8211; kiek procent\u0173 pana\u0161i\u0173 \u012frengini\u0173 sugenda per metus, kiek j\u0173 sud\u016b\u017eta ekranai, kiek nusk\u0119sta baseinuose ar unitazuose (taip, tai realus rizikos veiksnys, apie kur\u012f draudikai kalba rimtai). I\u0161 \u0161it\u0173 skai\u010di\u0173 ir gimsta \u012fmoka, kuri\u0105 tu moki. Jeigu statistika rodo, kad tavo telefono modelis da\u017enai gr\u012f\u017eta \u012f servis\u0105 su sudu\u017eusiu ekranu, draudimas jam bus brangesnis &#8211; logi\u0161ka.<\/p>\n<p>Svarbu suprasti, kad dauguma polis\u0173 nedengia visko i\u0161 karto. Egzistuoja bent trys pagrindiniai draudimo tipai:<\/p>\n<ul>\n<li><strong>Nuo atsitiktinio pa\u017eeidimo<\/strong> &#8211; kritimai, d\u016b\u017eiai, vandens patekimas.<\/li>\n<li><strong>Nuo vagyst\u0117s ar pl\u0117\u0161imo<\/strong> &#8211; da\u017eniausiai reikalauja policijos protokolo.<\/li>\n<li><strong>Prat\u0119sta garantija<\/strong> &#8211; dengia gamyklinius defektus po standartin\u0117s garantijos pabaigos, bet ne mechaninius pa\u017eeidimus.<\/li>\n<\/ul>\n<p>\u0160itie trys dalykai da\u017enai painiojami tarpusavyje, o v\u0117liau \u017emon\u0117s nustemba, kod\u0117l draudimas neapmok\u0117jo remonto &#8211; pasirodo, jie tur\u0117jo tik prat\u0119st\u0105 garantij\u0105, kuri nedengia sudu\u017eusio ekrano, nes tai ne gamyklinis defektas, o &#8222;\u017emogi\u0161kas faktorius&#8221;.<\/p>\n<h2>I\u0161 kur atsirado id\u0117ja drausti telefon\u0105<\/h2>\n<p>\u012edomu tai, kad prietais\u0173 draudimo istorija prasid\u0117jo ne nuo telefon\u0173, o nuo daug brangesni\u0173 daikt\u0173 &#8211; fotoaparat\u0173 ir vaizdo kamer\u0173 devintajame de\u0161imtmetyje. Tuomet technika buvo brangi, o remontas dar brangesnis, tod\u0117l draudimo bendrov\u0117s prad\u0117jo si\u016blyti specializuotus polisus profesionaliems fotografams ir televizijos operatoriams.<\/p>\n<p>Kai devynioliktojo am\u017eiaus pabaigoje &#8211; tiksliau, pra\u0117jusio am\u017eiaus de\u0161imtajame de\u0161imtmetyje &#8211; mobilieji telefonai prad\u0117jo plisti masi\u0161kai, ma\u017emenininkai pasteb\u0117jo \u012fdomi\u0105 tendencij\u0105: \u017emon\u0117s, k\u0105 tik i\u0161leid\u0119 \u0161imtus doleri\u0173 ar lit\u0173 (priklausomai nuo \u0161alies) u\u017e \u012frengin\u012f, buvo link\u0119 mok\u0117ti dar \u0161iek tiek daugiau, kad apsisaugot\u0173 nuo nuostolio. Taip gim\u0117 &#8222;extended warranty&#8221; modelis, kur\u012f mes dabar matome prie kasos beveik kiekvienoje elektronikos parduotuv\u0117je.<\/p>\n<p>Su i\u0161mani\u0173j\u0173 telefon\u0173 era, ypa\u010d kai stiklo ekranai tapo standartu, o remonto kainos pa\u0161oko \u012f dang\u0173, draudimo rinka i\u0161augo ne\u012ftik\u0117tinai. Vien tik ekrano keitimas flagmanui gali kainuoti tre\u010ddal\u012f naujo \u012frenginio kainos &#8211; ir b\u016btent tai tapo pagrindiniu argumentu, kod\u0117l \u017emon\u0117s apskritai svarsto drausti savo telefonus.<\/p>\n<h2>Kiek realiai kainuoja tas ramyb\u0117s jausmas<\/h2>\n<p>Kaina priklauso nuo keli\u0173 dalyk\u0173 &#8211; \u012frenginio vert\u0117s, draudimo apimties ir, \u017einoma, nuo to, kiek kart\u0173 per metus leid\u017eiama pateikti pretenzij\u0105. Vidutini\u0161kai metinis draudimas telefonui gali kainuoti nuo 5 iki 15 procent\u0173 prietaiso vert\u0117s. Tai rei\u0161kia, kad u\u017e 1000 eur\u0173 kainuojant\u012f telefon\u0105 gali tekti mok\u0117ti 50-150 eur\u0173 per metus.<\/p>\n<p>Papildomai beveik visada egzistuoja vadinamoji <strong>fran\u0161iz\u0117<\/strong> &#8211; suma, kuri\u0105 pats primoki u\u017e kiekvien\u0105 remont\u0105, net jei turi draudim\u0105. Kartais ji fiksuota (pavyzd\u017eiui, 30-50 eur\u0173), kartais procentin\u0117 nuo remonto kainos. B\u016btent \u010dia da\u017enai slypi did\u017eiausias nusivylimas &#8211; \u017emon\u0117s mano, kad draudimas padengs visk\u0105, o realyb\u0117je sumoka draudimo \u012fmok\u0105 visus metus, tada dar primoka fran\u0161iz\u0105, ir galiausiai suvokia, kad b\u016bt\u0173 buv\u0119 pigiau tiesiog susitaupyti tam remontui patiems.<\/p>\n<h2>Kada draudimas tikrai apsimoka<\/h2>\n<p>N\u0117ra vieno atsakymo visiems, bet yra keletas situacij\u0173, kai draudimas tampa protingu sprendimu:<\/p>\n<ul>\n<li>Jei perki brangiausi\u0105 modelio versij\u0105 ir \u017einai, kad tavo rankose telefonas ilgai gyvas neb\u016bna &#8211; da\u017enai krenta, da\u017enai keliauji su juo \u012f vandens telkinius ar dirbi lauko s\u0105lygomis.<\/li>\n<li>Jei perki \u012frengin\u012f vaikui &#8211; statisti\u0161kai vaik\u0173 telefon\u0173 d\u016b\u017etamumas yra kelis kartus didesnis nei suaugusi\u0173j\u0173.<\/li>\n<li>Jei \u012frenginys naudojamas darbe ir jo gedimas rei\u0161kia prarastas pajamas ar sustabdyt\u0105 veikl\u0105 &#8211; \u010dia jau kalbame ne apie patogum\u0105, o apie verslo rizik\u0105.<\/li>\n<li>Jei neturi finansinio &#8222;pagalv\u0117s&#8221; staigiam 500-800 eur\u0173 remontui ar pakeitimui &#8211; tokiu atveju fiksuota m\u0117nesin\u0117 \u012fmoka gali b\u016bti daug lengviau valdoma nei staigus didelis nuostolis.<\/li>\n<\/ul>\n<p>Kita vertus, jeigu esi \u017emogus, kuris telefonu naudojasi atsargiai, turi d\u0117kl\u0105, apsaugin\u0119 pl\u0117vel\u0119 ir niekada per pastaruosius penkis telefonus nesudau\u017eei ekrano, tikimyb\u0117, kad draudimas apmok\u0117s daugiau nei sumok\u0117jai &#8211; labai ma\u017ea. Statistika (ir tai draudikai puikiai \u017eino) rodo, kad dauguma \u017emoni\u0173 niekada nepateikia pretenzijos per vis\u0105 draudimo laikotarp\u012f.<\/p>\n<h2>Smulkusis \u0161riftas, kuris kei\u010dia visk\u0105<\/h2>\n<p>\u010cia slypi did\u017eiausia problema &#8211; \u017emon\u0117s perka draudim\u0105, neperskait\u0119 s\u0105lyg\u0173, o v\u0117liau nustemba, kod\u0117l atsisakoma padengti nuostol\u012f. Keletas dalyk\u0173, \u012f kuriuos verta atkreipti d\u0117mes\u012f prie\u0161 pasira\u0161ant:<\/p>\n<ul>\n<li><strong>Kosmetiniai pa\u017eeidimai<\/strong> da\u017enai n\u0117ra dengiami &#8211; jei ekranas subrai\u017eytas, bet veikia, draudikas gali atsisakyti mok\u0117ti.<\/li>\n<li><strong>Laukimo laikotarpis<\/strong> &#8211; kai kurie polisai pradeda galioti tik po 14-30 dien\u0173 nuo pirkimo, tad jei sulau\u017eai telefon\u0105 pirm\u0105 savait\u0119, draudimas negalioja.<\/li>\n<li><strong>Pretenzij\u0173 limitas<\/strong> &#8211; daugelis polis\u0173 leid\u017eia tik 1-2 pretenzijas per metus, po to draudimas nustoja galioti arba tampa daug brangesnis.<\/li>\n<li><strong>\u012erodym\u0173 reikalavimai<\/strong> &#8211; vagyst\u0117s atveju beveik visada reikalaujama policijos protokolo, o kartais net konkretaus laiko tarpsnio, per kur\u012f reik\u0117jo prane\u0161ti apie \u012fvyk\u012f.<\/li>\n<li><strong>Amortizacija<\/strong> &#8211; senesniam \u012frenginiui draudikas gali kompensuoti tik dal\u012f rinkos vert\u0117s, o ne piln\u0105 naujo prietaiso kain\u0105.<\/li>\n<\/ul>\n<p>Kitas dalykas, apie kur\u012f retai kas pagalvoja &#8211; kai kurios kredito kortel\u0117s ir banko paslaug\u0173 paketai jau savaime apima elektronikos draudim\u0105, jeigu prietais\u0105 nusipirkai ta kortele. Verta patikrinti savo banko s\u0105lygas prie\u0161 perkant papildom\u0105 polis\u0105 &#8211; gali paai\u0161k\u0117ti, kad jau esi apdraustas ir ne\u017einojai apie tai.<\/p>\n<h2>Alternatyvos, apie kurias ma\u017eai kas kalba<\/h2>\n<p>Draudimas n\u0117ra vienintelis b\u016bdas apsisaugoti nuo nuostoli\u0173. Yra ir kit\u0173 strategij\u0173, kurios kai kam gali pasirodyti protingesn\u0117s:<\/p>\n<ul>\n<li><strong>Savidraudimas<\/strong> &#8211; atidedi t\u0105 pa\u010di\u0105 sum\u0105, kuri\u0105 mok\u0117tum draudikui, \u012f atskir\u0105 s\u0105skait\u0105. Jei nieko neatsitinka, pinigai lieka tavo. Jei atsitinka &#8211; jau turi santaupas remontui.<\/li>\n<li><strong>Kokybi\u0161kas d\u0117klas ir apsauginis stiklas<\/strong> &#8211; da\u017enai u\u017e 20-30 eur\u0173 suma\u017eina d\u016b\u017eio tikimyb\u0119 drasti\u0161kai, o tai jau savaime pigesnis &#8222;draudimas&#8221; nei metin\u0117 \u012fmoka.<\/li>\n<li><strong>Prekybos centro ar gamintojo garantijos programos<\/strong> &#8211; kartais pigesn\u0117s nei tre\u010di\u0173j\u0173 \u0161ali\u0173 draudik\u0173 pasi\u016blymai, nors ir su siauresne apr\u0117ptimi.<\/li>\n<li><strong>Naudotos elektronikos supirkimo ir keitimo programos<\/strong> &#8211; kai kurie gamintojai leid\u017eia kasmet keisti telefon\u0105 \u012f naujesn\u012f model\u012f u\u017e fiksuot\u0105 mokest\u012f, kas i\u0161 esm\u0117s veikia pana\u0161iai kaip draudimas, tik kitokia forma.<\/li>\n<\/ul>\n<h2>Taigi, ar verta atiduoti tuos pinigus prie kasos<\/h2>\n<p>Jei reik\u0117t\u0173 atsakyti vienu sakiniu &#8211; tai priklauso nuo to, koks tu \u017emogus su technika rankose, o ne nuo to, koks telefonas tavo rankose. Draudimas apsimoka tada, kai jis perkamas kaip finansinio streso valdymo \u012frankis, o ne kaip garantija, kad niekada neteks susimok\u0117ti i\u0161 savo ki\u0161en\u0117s. Jeigu \u017einai, kad nesugeb\u0117si arba nenor\u0117si staiga rasti keli\u0173 \u0161imt\u0173 eur\u0173 remontui, fiksuota m\u0117nesin\u0117 \u012fmoka gali b\u016bti tikrai racionalus pasirinkimas.<\/p>\n<p>Prie\u0161 pasira\u0161ant bet k\u0105, verta padaryti tris paprastus dalykus: perskaityti s\u0105lygas iki galo (taip, tas nuobodus tekstas smulkiu \u0161riftu), palyginti draudimo kain\u0105 su realia remonto kaina konkre\u010diam modeliui (galima paskambinti \u012f servis\u0105 ir paklausti), bei pasitikrinti, ar jau nesi apdraustas per banko kortel\u0119 ar nam\u0173 draudimo polis\u0105, kuris kartais apima ir mobiliuosius \u012frenginius ne namuose.<\/p>\n<p>O jei nuspr\u0119si, kad draudimas ne tau &#8211; tiesiog nusipirk ger\u0105 d\u0117kl\u0105, apsaugin\u012f stikl\u0105 ir elkis su savo \u012frenginiu \u0161iek tiek atsargiau. Kartais geriausias draudimas yra tiesiog sveikas protas ir vienas papildomas centimetras d\u0117mesio, kai vaik\u0161tai \u0161alia baseino su telefonu rankoje.<\/p>","protected":false},"excerpt":{"rendered":"<p>Nusipirkai nauj\u0105 telefon\u0105, plan\u0161et\u0119 ar ne\u0161iojam\u0105 kompiuter\u012f, ir kasos aparate pardav\u0117jas jau ruo\u0161iasi klausimo: &#8222;Ar nor\u0117tum\u0117te apdrausti savo \u012frengin\u012f?&#8221; Da\u017eniausiai tai skamba kaip papildomas mokestis, kurio nelabai nori niekas, bet i\u0161 tikr\u0173j\u0173 \u0161is pasi\u016blymas ver\u010dia susim\u0105styti &#8211; o kas, jeigu telefonas nukris \u012f vanden\u012f po savait\u0117s? Pabandykime i\u0161siai\u0161kinti, kaip i\u0161 tikr\u0173j\u0173 veikia elektronini\u0173 prietais\u0173 draudimas, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5871,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[8,13,3,12],"tags":[],"class_list":{"0":"post-5872","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-el-paspirtuku-remontas-naujienos","8":"category-fotoaparatu-objektyvu-vaizdo-kameru-remontas","9":"category-stacionarus-kompiuteriai","10":"category-konsoliu-xbox-playstation-nintendo-ir-kitu-remontas","12":"post-with-thumbnail","13":"post-with-thumbnail-icon"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Elektronini\u0173 prietais\u0173 draudimas - ar verta? - taisykla Vilniuje, Kaune, Klaip\u0117doje, \u0160iauliuose<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/techremontas.lt\/uk\/stacionarus-kompiuteriai\/elektroniniu-prietaisu-draudimas-ar-verta\/\" \/>\n<meta property=\"og:locale\" content=\"uk_UA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Elektronini\u0173 prietais\u0173 draudimas - ar verta? - taisykla Vilniuje, Kaune, Klaip\u0117doje, \u0160iauliuose\" \/>\n<meta property=\"og:description\" content=\"Nusipirkai nauj\u0105 telefon\u0105, plan\u0161et\u0119 ar ne\u0161iojam\u0105 kompiuter\u012f, ir kasos aparate pardav\u0117jas jau ruo\u0161iasi klausimo: &#8222;Ar nor\u0117tum\u0117te apdrausti savo \u012frengin\u012f?&#8221; Da\u017eniausiai tai skamba kaip papildomas mokestis, kurio nelabai nori niekas, bet i\u0161 tikr\u0173j\u0173 \u0161is pasi\u016blymas ver\u010dia susim\u0105styti &#8211; o kas, jeigu telefonas nukris \u012f vanden\u012f po savait\u0117s? Pabandykime i\u0161siai\u0161kinti, kaip i\u0161 tikr\u0173j\u0173 veikia elektronini\u0173 prietais\u0173 draudimas, [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/techremontas.lt\/uk\/stacionarus-kompiuteriai\/elektroniniu-prietaisu-draudimas-ar-verta\/\" \/>\n<meta property=\"og:site_name\" content=\"taisykla Vilniuje, Kaune, Klaip\u0117doje, \u0160iauliuose\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-07T21:00:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/techremontas.lt\/wp-content\/uploads\/2026\/07\/Elektroniniu_prietai-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1880\" \/>\n\t<meta property=\"og:image:height\" content=\"1253\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"valdymas\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u041d\u0430\u043f\u0438\u0441\u0430\u043d\u043e\" \/>\n\t<meta name=\"twitter:data1\" content=\"valdymas\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u041f\u0440\u0438\u0431\u043b. \u0447\u0430\u0441 \u0447\u0438\u0442\u0430\u043d\u043d\u044f\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 \u0445\u0432\u0438\u043b\u0438\u043d\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/techremontas.lt\\\/stacionarus-kompiuteriai\\\/elektroniniu-prietaisu-draudimas-ar-verta\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/techremontas.lt\\\/stacionarus-kompiuteriai\\\/elektroniniu-prietaisu-draudimas-ar-verta\\\/\"},\"author\":{\"name\":\"valdymas\",\"@id\":\"https:\\\/\\\/techremontas.lt\\\/#\\\/schema\\\/person\\\/a0f403bf7a671f204b9078528bf50ed8\"},\"headline\":\"Elektronini\u0173 prietais\u0173 draudimas &#8211; ar verta?\",\"datePublished\":\"2026-08-07T21:00:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/techremontas.lt\\\/stacionarus-kompiuteriai\\\/elektroniniu-prietaisu-draudimas-ar-verta\\\/\"},\"wordCount\":1337,\"image\":{\"@id\":\"https:\\\/\\\/techremontas.lt\\\/stacionarus-kompiuteriai\\\/elektroniniu-prietaisu-draudimas-ar-verta\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/techremontas.lt\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/Elektroniniu_prietai-1.jpg\",\"articleSection\":[\"El. paspirtuk\u0173 remontas, naujienos\",\"Fotoaparat\u0173, objektyv\u0173, vaizdo kamer\u0173 remontas\",\"Kompiuteri\u0173 remontas, naujienos\",\"Konsoli\u0173 XBOX, PlayStation, Nintendo ir kit\u0173 remontas\"],\"inLanguage\":\"uk\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/techremontas.lt\\\/stacionarus-kompiuteriai\\\/elektroniniu-prietaisu-draudimas-ar-verta\\\/\",\"url\":\"https:\\\/\\\/techremontas.lt\\\/stacionarus-kompiuteriai\\\/elektroniniu-prietaisu-draudimas-ar-verta\\\/\",\"name\":\"Elektronini\u0173 prietais\u0173 draudimas - ar verta? 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