{"id":49,"date":"2024-11-19T16:56:48","date_gmt":"2024-11-19T15:56:48","guid":{"rendered":"https:\/\/www.rixo.sk\/blog\/?p=49"},"modified":"2024-11-19T16:56:49","modified_gmt":"2024-11-19T15:56:49","slug":"zabudol-som-zaplatit-pzp-co-sa-stane","status":"publish","type":"post","link":"https:\/\/www.rixo.sk\/blog\/zabudol-som-zaplatit-pzp-co-sa-stane\/","title":{"rendered":"Zabudol som zaplati\u0165 PZP. \u010co sa stane?"},"content":{"rendered":"\n

Platba PZP je po splatnosti a dostali ste prv\u00fa upomienku od pois\u0165ovne? Zachovajte chladn\u00fa hlavu a pre\u010d\u00edtajte si, ako tak\u00fa situ\u00e1ciu rie\u0161i\u0165 a ak\u00e9 n\u00e1sledky pre v\u00e1s m\u00e1 nezaplaten\u00e9 povinn\u00e9 zmluvn\u00e9 poistenie. Nebojte, zatia\u013e sa ni\u010d nedeje.<\/p>\n\n\n\n

Poistn\u00e9 u PZP je v\u017edy ro\u010dn\u00e9, m\u00f4\u017eete si ale zvoli\u0165, \u010di zaplat\u00edte poistn\u00e9 za cel\u00fd rok naraz, alebo platbu rozlo\u017e\u00edte do dvoch alebo \u0161tyroch platieb. Pokia\u013e plat\u00edte cel\u00fa ro\u010dn\u00fa \u010diastku naraz, vystavujete sa men\u0161iemu riziku zabudnutia platby. Ak zvol\u00edte napr\u00edklad kvart\u00e1lnu frekvenciu platieb poistn\u00e9ho, \u200b\u200bpravdepodobnos\u0165 oneskorenej platby sa zvy\u0161uje. A e\u0161te k tomu pri v\u00e4\u010d\u0161ine pois\u0165ovn\u00ed na PZP pri rozlo\u017een\u00ed platieb zaplat\u00edte viac.<\/p>\n\n\n\n

Zabudli ste zaplati\u0165 poistn\u00e9?<\/h2>\n\n\n\n

Jedna zabudnut\u00e1 spl\u00e1tka poistn\u00e9ho pre v\u00e1s na\u0161\u0165astie nem\u00e1 \u010falekosiahle n\u00e1sledky, ak ste aspo\u0148 predch\u00e1dzaj\u00facu platbu u\u017e predt\u00fdm uskuto\u010dnili. Z oneskorenia o p\u00e1r dn\u00ed ani prv\u00e1 upomienka v e-mailovej schr\u00e1nke nie je ni\u010d, z \u010doho by ste mali ve\u0161a\u0165 hlavu. Va\u0161e PZP je st\u00e1le platn\u00e9, ale s platbou neot\u00e1\u013eajte. <\/p>\n\n\n\n

Druh\u00e1 upomienka by v\u00e1s u\u017e mala varova\u0165. V\u00e4\u010d\u0161inou v\u00e1m toti\u017e u\u017e v tomto momente za\u010dn\u00fa nabieha\u0165 \u00faroky z ome\u0161kania. Plati\u0165 v\u010das sa rozhodne vypl\u00e1ca. Po viacer\u00fdch upomienkach v\u00e1s m\u00f4\u017ee pois\u0165ov\u0148a upozorni\u0165, \u017ee va\u0161e povinn\u00e9 zmluvn\u00e9 poistenie bude zru\u0161en\u00e9 a \u017ee bude vym\u00e1han\u00fd v\u00e1\u0161 dlh na poistnom.<\/p>\n\n\n\n

Ak\u00e9 sankcie hrozia za neplatenie PZP?<\/h2>\n\n\n\n

Pokia\u013e ste aj napriek snahe pois\u0165ovne nezaplatili poistn\u00e9, pois\u0165ov\u0148a v\u00e1m poslala v\u00fdpove\u010f a aktu\u00e1lne ste bez poistky, sankcie sa v\u00e1m m\u00f4\u017eu pekne predra\u017ei\u0165. V\u017edy je lacnej\u0161ie zaplati\u0165 poistenie ako n\u00e1sledn\u00e9 pokuty. Ak v\u00e1s skontroluje pol\u00edcia a zist\u00ed, \u017ee nem\u00e1te dohodnut\u00e9 poistenie, ako v\u00e1m uklad\u00e1 z\u00e1kon, m\u00f4\u017eete dosta\u0165 pokutu a\u017e do 3 320 \u20ac. A to sme e\u0161te nespomenuli sp\u00f4sobenie nehody a n\u00e1hradu \u0161kody, ktor\u00e1 m\u00f4\u017ee by\u0165 vym\u00e1han\u00e1 cel\u00e9 z v\u00e1\u0161ho vlastn\u00e9ho vrecka. <\/p>\n\n\n\n

Pokia\u013e m\u00e1te vozidlo s E\u010cV (auto, motorku, sk\u00fater alebo napr\u00edklad \u0161tvorkolku), ma\u0165 poistenie je skr\u00e1tka va\u0161ou z\u00e1konnou povinnos\u0165ou. Vyhn\u00fa\u0165 sa jej m\u00f4\u017eete len tak, \u017ee zna\u010dky nepou\u017e\u00edvan\u00e9ho auta odovzd\u00e1te do depozitu. Ak sa rozhodnete auto zase pou\u017e\u00edva\u0165, kedyko\u013evek si ich m\u00f4\u017eete vyzdvihn\u00fa\u0165, ale op\u00e4\u0165 nezabudnite na dojednanie PZP.<\/p>\n\n\n\n

\"PZP\"<\/figure>\n\n\n\n

Zabudli ste, \u017ee v\u00e1m kon\u010d\u00ed poistn\u00e1 zmluva<\/h2>\n\n\n\n

Zmluvy PZP, ktor\u00e9 drviv\u00e1 v\u00e4\u010d\u0161ina vodi\u010dov uzatv\u00e1ra, sa dojedn\u00e1vaj\u00fa na dobu neur\u010dit\u00fa. To ale pre orient\u00e1ciu nie je \u00faplne intuit\u00edvne, a preto sa neur\u010dit\u00fd \u010dasov\u00fd \u00fasek del\u00ed na ro\u010dn\u00e9 poistn\u00e9 obdobie. Dobrou spr\u00e1vou pre z\u00e1budlivcov je, \u017ee pri konci poistn\u00e9ho obdobia sa zmluva automaticky obnov\u00ed a poistenie be\u017e\u00ed nepreru\u0161ene \u2013 teda samozrejme pokia\u013e pravidelne plat\u00edte poistn\u00e9. <\/p>\n\n\n\n

Povinn\u00e9 zmluvn\u00e9 poistenie na dobu ur\u010dit\u00fa je sk\u00f4r v\u00fdnimo\u010dn\u00e9 a dojedn\u00e1va sa iba v \u0161pecifick\u00fdch pr\u00edpadoch. Tak\u00e9to poistenie potom automaticky kon\u010d\u00ed v de\u0148, ktor\u00fd m\u00e1te uveden\u00fd v zmluve. Zo d\u0148a na de\u0148 tak PZP nem\u00e1te a pokia\u013e s autom chcete \u010falej jazdi\u0165, \u010do najr\u00fdchlej\u0161ie si dohodnite nov\u00fa poistku. S na\u0161\u00edm porovn\u00e1va\u010dom to zvl\u00e1dnete do piatich min\u00fat od zadania dopytu.<\/p>\n\n\n\n

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

<\/p>\n\n\n\n

Ke\u010f je cena PZP ne\u00fanosn\u00e1<\/h2>\n\n\n\n

By\u0165 vlastn\u00edkom auta nie\u010do stoj\u00ed, ale aj na PZP m\u00f4\u017eete u\u0161etri\u0165. Porovnajte si poistenie v\u00e1\u0161ho auta on-line a objavte v\u00fdhodn\u00e9 ponuky pois\u0165ovn\u00ed, ktor\u00e9 si m\u00f4\u017eete rovno aj dojedna\u0165. N\u00e1jdete tam aj z\u013eavy a akcie, ktor\u00e9 v\u00e1m ur\u010dite pr\u00eddu vhod. Pri dojednan\u00ed sa nepozerajte len na cenu, ale aj na poistn\u00e9 limity, aby v\u00e1s raz pois\u0165ov\u0148a nenechala v \u0161tichu pr\u00e1ve vo chv\u00edli, ke\u010f ju budete potrebova\u0165. <\/p>\n\n\n\n

Ako na to? V porovnan\u00ed na RIXO.sk sta\u010d\u00ed zada\u0165 len E\u010cV v\u00e1\u0161ho vozidla a technick\u00e9 \u00fadaje sa vyplnia za v\u00e1s. Potom je nutn\u00e9 zada\u0165 nieko\u013eko osobn\u00fdch \u00fadajov, ako meno a bydlisko a inform\u00e1cie o va\u0161ej \u0161kodovej hist\u00f3rii, v\u010faka ktor\u00fdm v\u00e1m napo\u010d\u00edtame ponuky povinn\u00e9ho zmluvn\u00e9ho poistenia aj havarijn\u00e9ho poistenia priamo na mieru.<\/p>\n\n\n\n

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

Platba PZP je po splatnosti a dostali ste prv\u00fa upomienku od pois\u0165ovne? Zachovajte chladn\u00fa hlavu a pre\u010d\u00edtajte si, ako tak\u00fa situ\u00e1ciu rie\u0161i\u0165 a ak\u00e9 n\u00e1sledky pre v\u00e1s m\u00e1 nezaplaten\u00e9 povinn\u00e9 zmluvn\u00e9 poistenie. Nebojte, zatia\u013e sa ni\u010d nedeje.<\/p>\n","protected":false},"author":10,"featured_media":53,"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\/49"}],"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=49"}],"version-history":[{"count":2,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/posts\/49\/revisions"}],"predecessor-version":[{"id":54,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/posts\/49\/revisions\/54"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/media\/53"}],"wp:attachment":[{"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/media?parent=49"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/categories?post=49"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/tags?post=49"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}