{"id":9010,"date":"2022-10-27T13:13:10","date_gmt":"2022-10-27T11:13:10","guid":{"rendered":"http:\/\/www.kekonom.sk\/?p=9010"},"modified":"2024-05-13T14:58:39","modified_gmt":"2024-05-13T12:58:39","slug":"pzp-auta-online","status":"publish","type":"post","link":"https:\/\/www.vrtulniky.sk\/news\/pzp-auta-online\/","title":{"rendered":"Najlep\u0161\u00ed sp\u00f4sob, ako si poisti\u0165 va\u0161e auto"},"content":{"rendered":"

Na Slovensku existuje nieko\u013eko druhov produktov, ktor\u00e9 rie\u0161ia probl\u00e9my spojen\u00e9 s vozidlami. Niektor\u00e9 poistenia je povinn\u00e9 uzavrie\u0165 (PZP), in\u00e9 s\u00fa dobrovo\u013en\u00e9, av\u0161ak rovnako u\u017eito\u010dn\u00e9.<\/p>\n

Povinn\u00e9 zmluvn\u00e9 poistenie \u2013 PZP<\/h2>\n

Zo z\u00e1kona \u010d\u00edslo 381\/2001 vypl\u00fdva povinnos\u0165 ka\u017ed\u00e9ho vozidla ma\u0165 uzatvoren\u00e9 z\u00e1konn\u00e9 poistenie auta. Vo v\u0161eobecnosti ide o poistenie zodpovednsti za \u0161kody, ktor\u00e9 vodi\u010d na danom vozidle sp\u00f4sob\u00ed. Nejde v\u0161ak len o priame \u0161kody na majetku. PZP kryje aj \u0161kody na zdrav\u00ed, pr\u00edpadne usmrten\u00ed a s t\u00fdm spojen\u00e9 n\u00e1klady. Rovnako je mo\u017en\u00e9 z tejto poistky nahradi\u0165 u\u0161l\u00fd zisk, \u010di\u017ee pr\u00edjmy, ktor\u00e9 nemohli by\u0165 po\u0161kodenou stranou dosiahnut\u00e9 z d\u00f4vodu nehody. Parametre ochrany, ktor\u00fa poistenie pon\u00faka, s\u00fa dan\u00e9 z\u00e1konom, av\u0161ak pois\u0165ovne k svojim produktom prid\u00e1vaj\u00fa niektor\u00e9 v\u00fdhody navy\u0161e. Nez\u00e1le\u017e\u00ed preto len na cene, ale aj na r\u00f4znych benefitoch, ktor\u00e9 pois\u0165ov\u0148a pon\u00faka. V s\u00fa\u010dasnosti je mo\u017en\u00e9 vybavi\u0165 aj PZP online.<\/p>\n

Havarijn\u00e9 poistenie<\/h2>\n

V\u0161etky \u0161kody na vozidle, ktor\u00e9 nie s\u00fa sp\u00f4soben\u00e9 tre\u0165ou stranou, alebo nie je mo\u017en\u00e9 vinn\u00edka identifikova\u0165, s\u00fa nahr\u00e1dzan\u00e9 z havarijn\u00e9ho poistenia. Toto poistenie je dobrovo\u013en\u00e9 a podstatne drah\u0161ie ako PZP. Okrem hav\u00e1rie kryje poistenie aj vandalizmus a kr\u00e1de\u017e vozidla. Rovnako ako pri povinnom zmluvnom poisten\u00ed je na trhu mno\u017estvo produktov a pois\u0165ovn\u00ed, ktor\u00e9 sa poskytovan\u00fdmi slu\u017ebami navz\u00e1jom odli\u0161uj\u00fa. Nesta\u010d\u00ed si v\u0161ak poistenie uzavrie\u0165. Potrebn\u00e9 je aj bra\u0165 na vedomie, \u017ee auto mus\u00ed sp\u013a\u0148a\u0165 ist\u00e9 podmienky. V pr\u00edpade, \u017ee na automobile nie s\u00fa prezut\u00e9 pneumatiky (zimn\u00e9 v zime), poru\u0161uje t\u00fdm vodi\u010d z\u00e1kon a preto m\u00f4\u017ee pois\u0165ov\u0148a pr\u00edpadn\u00e9 plnenie kr\u00e1ti\u0165. V extr\u00e9mnom pr\u00edpade, ke\u010f je napr\u00edklad dez\u00e9n pneumat\u00edk nedosta\u010duj\u00faci a d\u00f4jde k poistnej udalosti preuk\u00e1zate\u013ene z tohoto d\u00f4vodu (auto dostane \u0161myk), pois\u0165ov\u0148a m\u00f4\u017ee poistn\u00e9 plnenie odmietnu\u0165. Dbajte preto na poistenie aj na dosta\u010duj\u00faci stav pneumat\u00edk.<\/p>\n

Ostatn\u00e9 poistenia vozidiel<\/h2>\n

\u00darazov\u00e9 poistenie sedadiel<\/strong> \u2013 Poistenie, z ktor\u00e9ho je vyplaten\u00e1 suma v pr\u00edpade \u00farazu, alebo usmrtenia spolucestuj\u00facich.
\nPoistenie finan\u010dnej straty \u2013 GAP<\/strong> \u2013 Ke\u010f d\u00f4jde k tot\u00e1lnej \u0161kode na vozidle, pois\u0165ovna z havarijn\u00e9ho poistenia vypl\u00e1ca \u010dasov\u00fa cenu vozidla. Probl\u00e9m je, \u017ee t\u00e1to b\u00fdva podstatne ni\u017e\u0161ia, ako je cena nov\u00e9ho vozidla. Poistenie GAP dorovn\u00e1va tento rozdiel.
\nPoistenie pr\u00e1vnej ochrany<\/strong> \u2013 V pr\u00edpade, \u017ee z nehody vyplynie potreba pr\u00e1vnych slu\u017eieb, je t\u00e1to staros\u0165 vykon\u00e1van\u00e1 pois\u0165ov\u0148ou. Okrem pr\u00e1vnika a asisten\u010dnej slu\u017eby, zaplat\u00ed pois\u0165ov\u0148a aj kauciu.<\/p>\n","protected":false},"excerpt":{"rendered":"

Na Slovensku existuje nieko\u013eko druhov produktov, ktor\u00e9 rie\u0161ia probl\u00e9my spojen\u00e9 s vozidlami. Niektor\u00e9 poistenia je povinn\u00e9 uzavrie\u0165 (PZP), in\u00e9 s\u00fa dobrovo\u013en\u00e9, av\u0161ak rovnako u\u017eito\u010dn\u00e9. Povinn\u00e9 … <\/p>\n","protected":false},"author":5,"featured_media":25035,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23,551],"tags":[],"class_list":["post-9010","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financie","category-podnikam"],"yoast_head":"\nNajlep\u0161\u00ed sp\u00f4sob, ako si poisti\u0165 va\u0161e auto - 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\/pzp-auta-online\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Najlep\u0161\u00ed sp\u00f4sob, ako si poisti\u0165 va\u0161e auto - Podnik\u00e1m, lietam a relaxujem\" \/>\n<meta property=\"og:description\" content=\"Na Slovensku existuje nieko\u013eko druhov produktov, ktor\u00e9 rie\u0161ia probl\u00e9my spojen\u00e9 s vozidlami. 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