{"id":44,"date":"2024-11-19T16:16:39","date_gmt":"2024-11-19T15:16:39","guid":{"rendered":"https:\/\/www.rixo.sk\/blog\/?p=44"},"modified":"2024-11-20T09:20:02","modified_gmt":"2024-11-20T08:20:02","slug":"zdrazenie-pzp-co-robit-ked-pride-vyrocny-list","status":"publish","type":"post","link":"https:\/\/www.rixo.sk\/blog\/zdrazenie-pzp-co-robit-ked-pride-vyrocny-list\/","title":{"rendered":"Zdra\u017eenie PZP? \u010co robi\u0165, ke\u010f pr\u00edde v\u00fdro\u010dn\u00fd list"},"content":{"rendered":"\n

Ka\u017ed\u00fd vodi\u010d pozn\u00e1 ten pocit, ke\u010f otvor\u00ed po\u0161tov\u00fa schr\u00e1nku a po roku n\u00e1jde v\u00fdro\u010dn\u00fd list od svojej pois\u0165ovne. V \u0148om sa dozvedia, ko\u013eko ich bude st\u00e1\u0165 poistenie na nasleduj\u00faci rok. A \u010doraz \u010dastej\u0161ie sa st\u00e1va, \u017ee poistenie v\u010faka z\u00edskan\u00fdm bonusom nezlacnie, ale naopak, cena PZP sa predra\u017e\u00ed.<\/p>\n\n\n\n

Nech u\u017e jazd\u00edte na akomko\u013evek vozidle a jazd\u00edte bez neh\u00f4d, m\u00f4\u017eete o\u010dak\u00e1va\u0165, \u017ee cena sa bude meni\u0165 ka\u017ed\u00fd rok. K zmene ceny povinn\u00e9ho zmluvn\u00e9ho poistenia<\/strong> alebo havarijn\u00e9ho poistenia <\/strong>doch\u00e1dza v\u017edy na za\u010diatku nov\u00e9ho poistn\u00e9ho obdobia, ktor\u00e9 nast\u00e1va automaticky po roku. A so zmenou ceny nemus\u00edte by\u0165 \u00faplne spokojn\u00ed. Ak sa nechcete zmieri\u0165 s t\u00fdm, \u017ee budete za poistenie plati\u0165 viac a nebudete ot\u00e1\u013ea\u0165, m\u00f4\u017eete u\u0161etri\u0165. Ale pozor, z\u00e1le\u017e\u00ed na tom, pre\u010do pois\u0165ov\u0148a va\u0161e poistenie zdra\u017eila. A myslite aj na to, \u017ee v tejto situ\u00e1cii ide o \u010das.<\/p>\n\n\n\n

Zistite si d\u00f4vod zv\u00fd\u0161enia<\/h2>\n\n\n\n

Pre\u010do pois\u0165ov\u0148a zdra\u017eila va\u0161e povinn\u00e9 zmluvn\u00e9 poistenie<\/a> alebo havarijn\u00e9 poistenie<\/a>? Odpove\u010f na t\u00fato ot\u00e1zku je d\u00f4le\u017eit\u00e1. Zv\u00fd\u0161enie ceny toti\u017e m\u00f4\u017ee by\u0165 sp\u00f4soben\u00e9 bu\u010f d\u00f4vodom na strane pois\u0165ovne, s ktor\u00fdm m\u00f4\u017eete nie\u010do urobi\u0165, alebo na va\u0161ej strane. Tam m\u00e1te men\u0161\u00ed man\u00e9vrovac\u00ed priestor.<\/p>\n\n\n\n

Zv\u00fd\u0161enie ceny PZP po nehode<\/strong><\/p>\n\n\n\n

Boli ste v minulom roku \u00fa\u010dastn\u00edkom dopravnej nehody<\/strong>? Potom m\u00f4\u017eete o\u010dak\u00e1va\u0165, \u017ee v nasleduj\u00facom poistnom obdob\u00ed sa v\u00e1m bonus za<\/strong> nezavinen\u00e9 dopravn\u00e9 nehody \u010diasto\u010dne vyma\u017ee<\/strong>. To m\u00e1 za n\u00e1sledok aj zv\u00fd\u0161enie poistn\u00e9ho za<\/strong> povinn\u00e9 zmluvn\u00e9 poistenie a v pr\u00edpade havarijn\u00e9ho poistenia m\u00f4\u017ee by\u0165 toto zv\u00fd\u0161enie e\u0161te v\u00fdraznej\u0161ie.<\/p>\n\n\n\n

Zv\u00fd\u0161enie ceny PZP v d\u00f4sledku vy\u0161\u0161ieho po\u010dtu najazden\u00fdch kilometrov<\/strong><\/p>\n\n\n\n

Uzavreli ste poistenie v tzv. n\u00e1jazdov\u00e9 pois\u0165ovni<\/strong>, napr\u00edklad v pois\u0165ovni Pillow alebo Allianz<\/strong>? Ak ste si pri uzatv\u00e1ran\u00ed poistnej zmluvy zvolili pr\u00edli\u0161 n\u00edzky ro\u010dn\u00fd n\u00e1jazd kilometrov<\/strong>, m\u00f4\u017ee v\u00e1s prekvapi\u0165 nielen v\u00fd\u0161ka nedoplatku, ale aj zv\u00fd\u0161enie poistn\u00e9ho pri prekro\u010den\u00ed nahl\u00e1sen\u00e9ho n\u00e1jazdu kilometrov<\/strong>. Pois\u0165ov\u0148a vypo\u010d\u00edta cenu na z\u00e1klade v\u00e1\u0161ho posledn\u00e9ho skuto\u010dn\u00e9ho po\u010dtu najazden\u00fdch kilometrov. T\u00fato hodnotu m\u00f4\u017eete, samozrejme, upravi\u0165 na nasleduj\u00faci rok. Ak nedok\u00e1\u017eete dobre odhadn\u00fa\u0165<\/strong> cesty, ktor\u00e9 budete vykon\u00e1va\u0165, m\u00f4\u017ee by\u0165 pre v\u00e1s v\u00fdhodnej\u0161\u00ed klasick\u00fd model poistenia bez najazden\u00fdch kilometrov<\/strong>.<\/p>\n\n\n\n

Zv\u00fd\u0161enie ceny PZP v d\u00f4sledku n\u00e1kladov pois\u0165ovne<\/strong><\/p>\n\n\n\n

V poslednom obdob\u00ed pois\u0165ovne \u010delia vy\u0161\u0161\u00edm n\u00e1kladom v d\u00f4sledku vy\u0161\u0161\u00edch v\u00fdplat poistn\u00fdch plnen\u00ed<\/strong>. Kv\u00f4li drah\u0161\u00edm n\u00e1hradn\u00fdm dielom, ako aj vy\u0161\u0161\u00edm n\u00e1kladom na opravy v servisoch sa poistn\u00e9 zvy\u0161uje plo\u0161ne, \u010do v\u0161ak neznamen\u00e1, \u017ee mus\u00edte akceptova\u0165 drah\u0161ie poistenie<\/strong>. Ka\u017ed\u00e1 pois\u0165ov\u0148a m\u00f4\u017ee vstupy do ceny poistenia oce\u0148ova\u0165 inak a aj va\u0161e bonusy <\/strong>m\u00f4\u017ee do<\/strong> kone\u010dnej ceny premietnu\u0165 in\u00fdm sp\u00f4sobom<\/strong>.<\/p>\n\n\n\n

\u010co robi\u0165, ak sa va\u0161e povinn\u00e9 poistenie zodpovednosti za \u0161kodu predra\u017e\u00ed?<\/h2>\n\n\n\n

Mysl\u00edte si, \u017ee boj s pois\u0165ov\u0148ou je pre v\u00e1s straten\u00fd? Ale nie. Pr\u00e1ve pri ozn\u00e1men\u00ed novej ceny m\u00e1te najlep\u0161iu mo\u017enos\u0165 h\u013eada\u0165 \u00faspory. Sta\u010dia na to len 3 kroky.<\/p>\n\n\n\n

Porovnajte si cenov\u00e9 ponuky<\/strong><\/h3>\n\n\n\n

Chcete si urobi\u0165 predstavu o tom, \u010do trh pon\u00faka? Nie je ni\u010d jednoduch\u0161ie ako porovna\u0165 ponuky PZP alebo havarijn\u00e9ho poistenia online a za min\u00fatu zisti\u0165,<\/strong> ak\u00fa cenu m\u00f4\u017eete z\u00edska\u0165. Sta\u010d\u00ed pozna\u0165 eviden\u010dn\u00e9 \u010d\u00edslo<\/strong> v\u00e1\u0161ho vozidla a zada\u0165 nieko\u013eko \u00fadajov o v\u00e1s a va\u0161ej vodi\u010dskej hist\u00f3rii.<\/p>\n\n\n\n

\n
Porovna\u0165 povinn\u00e9 zmluvn\u00e9 poistenie<\/a><\/div>\n<\/div>\n\n\n\n

Rozhodnite sa pre zmenu v\u010das<\/strong><\/h3>\n\n\n\n

Na\u0161li ste v\u00fdhodn\u00fa ponuku poistenia? Gratulujeme! Nezabudnite, \u017ee ak chcete zmeni\u0165 poistenie<\/strong>, m\u00e1te na to obmedzen\u00fd \u010das<\/strong>. Existuj\u00face poistenie nem\u00f4\u017eete len tak zru\u0161i\u0165, aspo\u0148 u v\u00e4\u010d\u0161iny pois\u0165ovn\u00ed. Po\u010d\u00edtajte s t\u00fdm, \u017ee v\u00fdpove\u010f mus\u00edte pois\u0165ovni posla\u0165 najnesk\u00f4r 6 t\u00fd\u017ed\u0148ov<\/strong> pred koncom poistn\u00e9ho obdobia. Ak lehotu na podanie v\u00fdpovede nedodr\u017e\u00edte, va\u0161e poistenie sa automaticky pred\u013a\u017ei.<\/p>\n\n\n\n

Existuje nieko\u013eko sp\u00f4sobov, ako vypoveda\u0165 poistenie, v\u00e4\u010d\u0161ina pois\u0165ovn\u00ed len za\u0161le v\u00fdpove\u010f e-mailom<\/strong>, niektor\u00e9 maj\u00fa vlastn\u00fd online formul\u00e1r,<\/strong> ktor\u00fd n\u00e1jdete na ich webovej str\u00e1nke.<\/p>\n\n\n\n

Zjednanie nov\u00e9ho poistenia<\/strong><\/h3>\n\n\n\n

M\u00e1te pred sebou n\u00e1vrh novej poistnej zmluvy<\/strong>? Skontrolujte, \u010di s\u00fa v\u0161etky \u00fadaje v n\u00e1vrhu poistnej zmluvy spr\u00e1vne, a uhra\u010fte poistn\u00e9<\/strong> pod\u013ea pokynov pois\u0165ovne. Ale pozor, platba mus\u00ed pr\u00eds\u0165 do pois\u0165ovne do d\u00e1tumu splatnosti <\/strong>uveden\u00e9ho na zmluve, preto\u017ee zmluva nevznikne.<\/p>\n\n\n\n

Ak sa bl\u00ed\u017ei koniec poistnej doby va\u0161ej p\u00f4vodnej poistky a chcete by\u0165 okam\u017eite poisten\u00ed, aby ste mohli vyrazi\u0165 do prem\u00e1vky, uprednostnite platbu kartou<\/strong> alebo okam\u017eit\u00fa platbu<\/strong> z v\u00e1\u0161ho internetov\u00e9ho bankovn\u00edctva. Takto pois\u0165ov\u0148a platbu okam\u017eite za\u00fa\u010dtuje a po\u0161tou v\u00e1m za\u0161le potvrdenie o uzavret\u00ed zmluvy a zelen\u00fa kartu. A m\u00e1te hotovo!<\/p>\n\n\n\n

\n
Porovna\u0165 povinn\u00e9 zmluvn\u00e9 poistenie<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Ka\u017ed\u00fd vodi\u010d pozn\u00e1 ten pocit, ke\u010f otvor\u00ed po\u0161tov\u00fa schr\u00e1nku a po roku n\u00e1jde v\u00fdro\u010dn\u00fd list od svojej pois\u0165ovne. V \u0148om sa dozvedia, ko\u013eko ich bude st\u00e1\u0165 poistenie na nasleduj\u00faci rok. A \u010doraz \u010dastej\u0161ie sa st\u00e1va, \u017ee poistenie v\u010faka z\u00edskan\u00fdm bonusom nezlacnie, ale naopak, cena PZP sa predra\u017e\u00ed.<\/p>\n","protected":false},"author":10,"featured_media":47,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[14],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/posts\/44"}],"collection":[{"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/comments?post=44"}],"version-history":[{"count":3,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/posts\/44\/revisions"}],"predecessor-version":[{"id":48,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/posts\/44\/revisions\/48"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/media\/47"}],"wp:attachment":[{"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/media?parent=44"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/categories?post=44"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/tags?post=44"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}