{"id":8639,"date":"2022-10-20T12:52:46","date_gmt":"2022-10-20T10:52:46","guid":{"rendered":"http:\/\/www.kekonom.sk\/?p=8639"},"modified":"2024-09-09T19:55:21","modified_gmt":"2024-09-09T17:55:21","slug":"povinne-zmluvne-poistenie-je-casto-diskutovanou-temou","status":"publish","type":"post","link":"https:\/\/www.vrtulniky.sk\/news\/povinne-zmluvne-poistenie-je-casto-diskutovanou-temou\/","title":{"rendered":"Povinn\u00e9 zmluvn\u00e9 poistenie je \u010dasto diskutovanou t\u00e9mou"},"content":{"rendered":"<p>O \u010dom sa tak motoristi naj\u010dastej\u0161ie bavia pri pive \u010di pri k\u00e1ve? Mo\u017eno aj o r\u00fdchlych t\u00e1to\u0161och \u010di najnov\u0161\u00edch modeloch motorov, pr\u00edpadne najnov\u0161\u00edch modeloch automobiliek. Popri tom im v\u0161ak t\u00e9ma zalet\u00ed aj k be\u017en\u00fdm a doslova pravideln\u00fdm starostiam prakticky v\u0161etk\u00fdch slovensk\u00fdch motoristov \u2013 a to k povinn\u00e9mu zmluvn\u00e9mu poisteniu. To je toti\u017e spolo\u010dn\u00e9 pre v\u0161etk\u00fdch majite\u013eov \u00e1ut a to bez oh\u013eadu na to, \u010di jazdia na luxusnom alebo be\u017enom aute.<\/p>\n<p>Pr\u00e1ve preto je <strong>povinn\u00e9 zmluvn\u00e9 poistenie <\/strong>tak silno diskutovanou t\u00e9mou a venuje sa mu aj mnoho odborn\u00fdch \u010dl\u00e1nkov \u010di internetov\u00fdch diskusi\u00ed. Tak sa pozrime na to, ako to s t\u00fdmto poisten\u00edm skuto\u010dne je.<\/p>\n<p><a href=\"https:\/\/www.union.sk\/poistenie-auta-pzp-havarijne-poistenie\/#\/typ-vozidla\">Povinn\u00e9 zmluvn\u00e9 poistenie online<\/a> je z\u00e1konom stanoven\u00fd druh poistenia, ktor\u00e9 musia ma\u0165 vodi\u010di uzavret\u00e9 pre svoje vozidl\u00e1. Cie\u013eom tohto poistenia je chr\u00e1ni\u0165 vodi\u010da pred finan\u010dn\u00fdmi n\u00e1kladmi v pr\u00edpade, \u017ee by sp\u00f4sobil nehodu a po\u0161kodil majetok alebo zranil in\u00fa osobu. Povinn\u00e9 zmluvn\u00e9 poistenie sa nevz\u0165ahuje na vodi\u010da, ale na vlastn\u00edka vozidla, preto\u017ee vlastn\u00edk vozidla je zodpovedn\u00fd za jeho spr\u00e1vne pou\u017e\u00edvanie.<\/p>\n<p>Povinn\u00e9 zmluvn\u00e9 poistenie sa zvy\u010dajne del\u00ed na dva druhy: poistenie zodpovednosti za \u0161kodu sp\u00f4soben\u00fa prev\u00e1dzkou vozidla a poistenie proti kr\u00e1de\u017ei vozidla. Poistenie zodpovednosti za \u0161kodu sp\u00f4soben\u00fa prev\u00e1dzkou vozidla je povinn\u00e9 pre ka\u017ed\u00e9 vozidlo, ktor\u00e9 je zaregistrovan\u00e9 a zap\u00edsan\u00e9 v evidencii vozidiel. Poistenie proti kr\u00e1de\u017ei vozidla nie je povinn\u00e9, ale m\u00f4\u017ee by\u0165 u\u017eito\u010dn\u00e9 pre majite\u013eov drah\u00fdch vozidiel.<\/p>\n<p>Tak v prvom rade si ujasn\u00edme, \u017ee toto poistenie ja naozaj z\u00e1konom stanoven\u00e9 a verte \u010di nie, policajti \u010dasto pr\u00e1ve PZP kontroluj\u00fa a v pr\u00edpade, \u017ee nem\u00e1te v\u0161etko v poriadku, je ich pokuta nekompromisn\u00e1 a r\u00e1zna. Preto pros\u00edm vopred zaho\u010fte \u0161pekul\u00e1cie o tom, \u017ee by ste pr\u00edpadne PZP neuzavreli, alebo si uzavretie nechali na neskor\u0161\u00ed term\u00edn. V r\u00e1mci uzatv\u00e1rania PZP na trh pri\u0161la jedna novinka \u2013 a to mo\u017enos\u0165 uzavrie\u0165 toto poistenie on-line na internete.<\/p>\n<p>Tak\u00e1to alternat\u00edva bezpochyby u\u013eah\u010d\u00ed \u017eivoty mnoh\u00fdch majite\u013eov \u00e1ut, ktor\u00ed sa tak vyhn\u00fa rad\u00e1m v pois\u0165ovniach a v\u00fdrazne tak u\u0161etria svoj cenn\u00fd \u010das. To v\u0161ak z noviniek a aktu\u00e1lnych trendov vonkoncom nie je v\u0161etko. V s\u00fa\u010dasnosti navy\u0161e aj kles\u00e1 cena poskytovan\u00e9ho poistenia, a to z d\u00f4vodu konkuren\u010dn\u00e9ho s\u00faboja pois\u0165ovn\u00ed.<\/p>\n<p>Monopol \u0161t\u00e1tnej pois\u0165ovne sa toti\u017e skon\u010dil, dnes si m\u00f4\u017eete vybera\u0165 z pestrej ponuky s\u00fakromn\u00fdch pois\u0165ovn\u00ed, ktor\u00e9 pon\u00fakaj\u00fa v\u00fdhodn\u00e9 PZP. Ako sami vid\u00edte, tak pre lacnej\u0161ie a dostupnej\u0161ie PZP nemus\u00edte len diskutova\u0165 a nad\u00e1va\u0165 pri pive \u2013 rie\u0161en\u00edm je objavi\u0165 mo\u017enosti, u\u013eah\u010duj\u00face samotn\u00e9 uzavretie PZP a tie aj potom patri\u010dne vyu\u017ei\u0165. V s\u00fa\u010dasnosti tak \u010din\u00ed mnoho motoristov, ktor\u00ed sa tak nesta\u010dia \u010dudova\u0165, ko\u013eko u\u017e v\u010faka t\u00fdmto novink\u00e1m na PZP u\u0161etrili.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O \u010dom sa tak motoristi naj\u010dastej\u0161ie bavia pri pive \u010di pri k\u00e1ve? Mo\u017eno aj o r\u00fdchlych t\u00e1to\u0161och \u010di najnov\u0161\u00edch modeloch motorov, pr\u00edpadne najnov\u0161\u00edch modeloch automobiliek. &hellip; <\/p>\n","protected":false},"author":5,"featured_media":25105,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23,551],"tags":[],"class_list":["post-8639","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financie","category-podnikam"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Povinn\u00e9 zmluvn\u00e9 poistenie je \u010dasto diskutovanou t\u00e9mou - Podnik\u00e1m, lietam a relaxujem<\/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:\/\/www.vrtulniky.sk\/news\/povinne-zmluvne-poistenie-je-casto-diskutovanou-temou\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Povinn\u00e9 zmluvn\u00e9 poistenie je \u010dasto diskutovanou t\u00e9mou - Podnik\u00e1m, lietam a relaxujem\" \/>\n<meta property=\"og:description\" content=\"O \u010dom sa tak motoristi naj\u010dastej\u0161ie bavia pri pive \u010di pri k\u00e1ve? Mo\u017eno aj o r\u00fdchlych t\u00e1to\u0161och \u010di najnov\u0161\u00edch modeloch motorov, pr\u00edpadne najnov\u0161\u00edch modeloch automobiliek. &hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.vrtulniky.sk\/news\/povinne-zmluvne-poistenie-je-casto-diskutovanou-temou\/\" \/>\n<meta property=\"og:site_name\" content=\"Podnik\u00e1m, lietam a relaxujem\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/vrtulniky\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-10-20T10:52:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-09-09T17:55:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.vrtulniky.sk\/news\/wp-content\/uploads\/2022\/08\/povinne-zmluvne-poistenie.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"667\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Marta\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marta\" \/>\n\t<meta name=\"twitter:label2\" content=\"Predpokladan\u00fd \u010das \u010d\u00edtania\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 min\u00faty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/povinne-zmluvne-poistenie-je-casto-diskutovanou-temou\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/povinne-zmluvne-poistenie-je-casto-diskutovanou-temou\\\/\"},\"author\":{\"name\":\"Marta\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#\\\/schema\\\/person\\\/c0a8939002b2237daa4a1bd4f544e01f\"},\"headline\":\"Povinn\u00e9 zmluvn\u00e9 poistenie je \u010dasto diskutovanou t\u00e9mou\",\"datePublished\":\"2022-10-20T10:52:46+00:00\",\"dateModified\":\"2024-09-09T17:55:21+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/povinne-zmluvne-poistenie-je-casto-diskutovanou-temou\\\/\"},\"wordCount\":548,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/povinne-zmluvne-poistenie-je-casto-diskutovanou-temou\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/wp-content\\\/uploads\\\/2022\\\/08\\\/povinne-zmluvne-poistenie.jpg\",\"articleSection\":[\"Financie\",\"Podnik\u00e1m\"],\"inLanguage\":\"sk-SK\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/povinne-zmluvne-poistenie-je-casto-diskutovanou-temou\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/povinne-zmluvne-poistenie-je-casto-diskutovanou-temou\\\/\",\"url\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/povinne-zmluvne-poistenie-je-casto-diskutovanou-temou\\\/\",\"name\":\"Povinn\u00e9 zmluvn\u00e9 poistenie je \u010dasto diskutovanou t\u00e9mou - 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