{"id":79,"date":"2025-10-03T09:39:20","date_gmt":"2025-10-03T07:39:20","guid":{"rendered":"https:\/\/www.rixo.sk\/blog\/?p=79"},"modified":"2025-10-03T09:39:22","modified_gmt":"2025-10-03T07:39:22","slug":"vyluky-povinne-zmluvne-poistenie-havarijne","status":"publish","type":"post","link":"https:\/\/www.rixo.sk\/blog\/vyluky-povinne-zmluvne-poistenie-havarijne\/","title":{"rendered":"V\u00fdluky z poistenia vozidiel: \u010co nezaplat\u00ed povinn\u00e9 zmluvn\u00e9 poistenie ani havarijn\u00e9 poistenie?"},"content":{"rendered":"\n<p>Mnoho vodi\u010dov m\u00e1 pocit, \u017ee akon\u00e1hle si uzatvoria povinn\u00e9 zmluvn\u00e9 poistenie a k tomu napr\u00edklad aj havarijn\u00e9 poistenie, maj\u00fa vystaran\u00e9 a pri akejko\u013evek \u0161kode sa sta\u010d\u00ed len obr\u00e1ti\u0165 na pois\u0165ov\u0148u. V skuto\u010dnosti je to v\u0161ak trochu inak \u2013 s poisten\u00edm vozidiel sa sp\u00e1ja cel\u00fd rad v\u00fdluk. Viete, ak\u00e9 v\u00fdluky m\u00e1te vo svojej poistke? Nenechajte sa pri rie\u0161en\u00ed poistnej udalosti prekvapi\u0165 a obozn\u00e1mte sa s nimi v na\u0161om \u010dl\u00e1nku.<\/p>\n\n\n\n<p>V\u00fdluky z poistenia ur\u010duj\u00fa, v ak\u00fdch situ\u00e1ci\u00e1ch pois\u0165ov\u0148a plnenie neposkytne, alebo ho pr\u00edpadne vyplat\u00ed po\u0161koden\u00e9mu, no n\u00e1sledne ho bude od vinn\u00edka vym\u00e1ha\u0165 sp\u00e4\u0165. Nemus\u00edte sa ob\u00e1va\u0165, \u017ee by sa pois\u0165ov\u0148a sna\u017eila plneniu po nahl\u00e1sen\u00ed poistnej udalosti len tak vyhn\u00fa\u0165 \u2013 v\u0161etky v\u00fdluky z poistenia s\u00fa sp\u00edsan\u00e9 v poistn\u00fdch podmienkach, s ktor\u00fdmi by ste sa mali v\u017edy (v ide\u00e1lnom pr\u00edpade) obozn\u00e1mi\u0165 u\u017e pri uzatv\u00e1ran\u00ed poistenia.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Povinn\u00e9 zmluvn\u00e9 poistenie<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.rixo.sk\/povinne-zmluvne-poistenie\">Povinn\u00e9 zmluvn\u00e9 poistenie<\/a> je zo z\u00e1kona ur\u010den\u00e9 na \u00fahradu \u0161k\u00f4d, ktor\u00e9 prev\u00e1dzkovan\u00edm vozidla sp\u00f4sob\u00edte tret\u00edm osob\u00e1m na ich zdrav\u00ed, majetku alebo u\u0161lom zisku. Nemalo by v\u00e1s prekvapi\u0165, \u017ee va\u0161e PZP nekryje \u0161kody na vlastnom vozidle ani ujmu na va\u0161om zdrav\u00ed. V pr\u00edpade tak\u00fdchto n\u00e1rokov sa mus\u00edte obr\u00e1ti\u0165 na pois\u0165ov\u0148u vinn\u00edka dopravnej nehody. Ak ste vinn\u00edkom vy, \u017eia\u013e, od pois\u0165ovne nem\u00f4\u017eete o\u010dak\u00e1va\u0165 \u017eiadnu n\u00e1hradu.\u201c<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Preh\u013ead: \u010co povinn\u00e9 zmluvn\u00e9 poistenie nekryje?<\/h3>\n\n\n\n<p>Z\u00e1kon v\u00fdslovne stanovuje, \u017ee povinn\u00e9 zmluvn\u00e9 poistenie nepokryje:<\/p>\n\n\n\n<ul>\n<li>Po\u0161kodenie vlastn\u00e9ho vozidla a ujmu na vlastnom zdrav\u00ed<br><\/li>\n\n\n\n<li>\u0160kodu na veciach prepravovan\u00fdch vo vozidle, ktor\u00e9 sp\u00f4sobilo nehodu<br><\/li>\n\n\n\n<li>\u0160kodu vzniknut\u00fa manipul\u00e1ciou s n\u00e1kladom stojaceho vozidla<br><\/li>\n\n\n\n<li>\u0160kodu sp\u00f4soben\u00fa v d\u00f4sledku teroristick\u00e9ho \u010dinu alebo vojnov\u00fdch udalost\u00ed<br><\/li>\n\n\n\n<li>\u0160kodu vzniknut\u00fa medzi vozidlami jednej jazdnej s\u00fapravy (napr. medzi automobilom a pr\u00edvesom)<br><\/li>\n\n\n\n<li>Ujmu a \u0161kodu sp\u00f4soben\u00fa medzi \u010dlenmi jednej dom\u00e1cnosti<br><\/li>\n\n\n\n<li>\u0160kody vzniknut\u00e9 pri motoristick\u00fdch pretekoch alebo s\u00fa\u0165a\u017eiach<\/li>\n<\/ul>\n\n\n\n<p>Pois\u0165ovne n\u00e1sledne vymedzuj\u00fa \u010fal\u0161ie v\u00fdluky z PZP. V t\u00fdchto pr\u00edpadoch po\u0161koden\u00e9mu plnenie vyplatia, ale bud\u00fa uplat\u0148ova\u0165 regresn\u00fd n\u00e1rok \u2013 teda bud\u00fa vym\u00e1ha\u0165 n\u00e1hradu \u0161kody od vinn\u00edka nehody. Takmer univerz\u00e1lne sa medzi nimi objavuje:<\/p>\n\n\n\n<ul>\n<li>\u0160koda sp\u00f4soben\u00e1 \u00famyselne<br><\/li>\n\n\n\n<li>\u0160koda vzniknut\u00e1 neopr\u00e1vnen\u00fdm pou\u017eit\u00edm vozidla (napr. nedovolen\u00fdm po\u017ei\u010dan\u00edm)<br><\/li>\n\n\n\n<li>\u0160koda v d\u00f4sledku poru\u0161enia z\u00e1kladn\u00fdch povinnost\u00ed pod\u013ea z\u00e1kona o cestnej prem\u00e1vke \u2013 vedenie vozidla bez pr\u00edslu\u0161n\u00e9ho vodi\u010dsk\u00e9ho opr\u00e1vnenia, jazda pod vplyvom alkoholu alebo in\u00fdch n\u00e1vykov\u00fdch l\u00e1tok, pr\u00edpadne liekov ovplyv\u0148uj\u00facich schopnos\u0165 vies\u0165 vozidlo alebo jazda s technicky nesp\u00f4sobil\u00fdm vozidlom<br><\/li>\n\n\n\n<li>\u0160kodov\u00e1 udalos\u0165, pri ktorej nebola splnen\u00e1 povinnos\u0165 sp\u00edsa\u0165 z\u00e1znam o nehode<br><\/li>\n\n\n\n<li>\u0160koda sp\u00f4soben\u00e1 vodi\u010dom, ktor\u00fd odmietne podst\u00fapi\u0165 dychov\u00fa sk\u00fa\u0161ku na zistenie hladiny alkoholu v krvi alebo test na pr\u00edtomnos\u0165 omamn\u00fdch a psychotropn\u00fdch l\u00e1tok.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Havarijn\u00e9 poistenie<\/h2>\n\n\n\n<p>Na rozdiel od PZP sl\u00fa\u017ei <a href=\"https:\/\/www.rixo.sk\/havarijne-poistenie\">havarijn\u00e9 poistenie<\/a> na ochranu vlastn\u00e9ho vozidla. Majite\u013e auta sa tak chr\u00e1ni proti \u0161kod\u00e1m sp\u00f4soben\u00fdch hav\u00e1riou, kr\u00e1de\u017eou, \u017eivlami, stretu so zverou alebo napr\u00edklad vandalizmom. Ani tu v\u0161ak nejde o neobmedzen\u00fa poistku \u201ena v\u0161etko\u201c. Ka\u017ed\u00e1 pois\u0165ov\u0148a m\u00e1 v podmienkach udalosti, na ktor\u00e9 sa poistenie nevz\u0165ahuje. Po\u010fme si ich podrobne rozobra\u0165.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Preh\u013ead: Ak\u00e9 \u0161kody havarijn\u00e9 poistenie nezaplat\u00ed?<\/h3>\n\n\n\n<p>Rovnako ako pri povinnom zmluvnom poisten\u00ed plat\u00ed aj pri havarijnom poisten\u00ed, \u017ee poistn\u00e1 ochrana sa nevz\u0165ahuje na \u0161kody sp\u00f4soben\u00e9 \u00famyselne, pri veden\u00ed vozidla pod vplyvom alkoholu alebo n\u00e1vykov\u00fdch l\u00e1tok, \u010di bez vodi\u010dsk\u00e9ho opr\u00e1vnenia. Pri havarijnom poisten\u00ed sa v\u0161ak uplat\u0148uj\u00fa aj \u010fal\u0161ie v\u00fdluky, napr\u00edklad na:<\/p>\n\n\n\n<ul>\n<li>\u0160kody na pretek\u00e1rskom okruhu a tratiach<br><\/li>\n\n\n\n<li>\u0160kody, ku ktor\u00fdm do\u0161lo mimo cestnej komunik\u00e1cie<br><\/li>\n\n\n\n<li>\u0160kody na pohonn\u00fdch hmot\u00e1ch (napr. v d\u00f4sledku \u00faniku pri nehode alebo odcudzenia)<br><\/li>\n\n\n\n<li>\u0160kody vzniknut\u00e9 pri oprave alebo \u00fadr\u017ebe vozidla<br><\/li>\n\n\n\n<li>\u0160kody sp\u00f4soben\u00e9 be\u017en\u00fdm opotrebovan\u00edm a starnut\u00edm vozidla, pr\u00edpadne v\u00fdrobn\u00fdmi vadami<\/li>\n<\/ul>\n\n\n\n<p>\u010eal\u0161ie v\u00fdluky sa uplat\u0148uj\u00fa pri jednotliv\u00fdch havarijn\u00fdch rizik\u00e1ch, ako s\u00fa hav\u00e1ria, \u017eiveln\u00e1 udalos\u0165, stret so zverou, po\u0161kodenie zaparkovan\u00e9ho auta zviera\u0165om, vandalizmus alebo odcudzenie vozidla. Nezab\u00fadajte ani na ne \u2013 pri poisten\u00ed \u017eivelnej udalosti m\u00f4\u017ee \u00eds\u0165 napr\u00edklad o odmietnutie plnenia pri vjazde do oblasti zasiahnutej z\u00e1plavou \u010di povod\u0148ou, pri odcudzen\u00ed vozidla zas napr\u00edklad o nedostato\u010dn\u00e9 zabezpe\u010denie auta proti kr\u00e1de\u017ei. Nedodr\u017eanie povinnost\u00ed, ktor\u00e9 v\u00e1m uklad\u00e1 pois\u0165ov\u0148a, m\u00f4\u017ee skon\u010di\u0165 odmietnut\u00edm plnenia, alebo v lep\u0161om pr\u00edpade jeho kr\u00e1ten\u00edm.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.rixo.sk\/blog\/wp-content\/themes\/breek\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.sk\/blog\/wp-content\/uploads\/sites\/3\/2025\/10\/man-photographing-his-vehicle-with-damages-accident-insurance-with-smart-phone-2-1-1.jpg\" alt=\"vyluky povinne zmluvne poistenie havarijne \" class=\"wp-image-82\" data-srcset=\"https:\/\/www.rixo.sk\/blog\/wp-content\/uploads\/sites\/3\/2025\/10\/man-photographing-his-vehicle-with-damages-accident-insurance-with-smart-phone-2-1-1.jpg 1000w, https:\/\/www.rixo.sk\/blog\/wp-content\/uploads\/sites\/3\/2025\/10\/man-photographing-his-vehicle-with-damages-accident-insurance-with-smart-phone-2-1-1-300x200.jpg 300w, https:\/\/www.rixo.sk\/blog\/wp-content\/uploads\/sites\/3\/2025\/10\/man-photographing-his-vehicle-with-damages-accident-insurance-with-smart-phone-2-1-1-768x512.jpg 768w, https:\/\/www.rixo.sk\/blog\/wp-content\/uploads\/sites\/3\/2025\/10\/man-photographing-his-vehicle-with-damages-accident-insurance-with-smart-phone-2-1-1-100x67.jpg 100w, https:\/\/www.rixo.sk\/blog\/wp-content\/uploads\/sites\/3\/2025\/10\/man-photographing-his-vehicle-with-damages-accident-insurance-with-smart-phone-2-1-1-675x450.jpg 675w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Pre\u010do je znalos\u0165 v\u00fdluk d\u00f4le\u017eit\u00e1?<\/h3>\n\n\n\n<p>Mnoh\u00ed vodi\u010di sa stret\u00e1vaj\u00fa s prekvapivou inform\u00e1ciou o v\u00fdluke a\u017e pri samotnom rie\u0161en\u00ed \u0161kody. Najm\u00e4 pri havarijnom poisten\u00ed m\u00f4\u017eu by\u0165 rozdiely medzi podmienkami jednotliv\u00fdch pois\u0165ovn\u00ed v\u00fdrazn\u00e9. Preto je ve\u013emi d\u00f4le\u017eit\u00e9 nielen \u010d\u00edta\u0165 poistn\u00e9 podmienky, ale aj porovn\u00e1va\u0165 ich medzi sebou. To, \u010do jedna pois\u0165ov\u0148a vylu\u010duje, m\u00f4\u017ee in\u00e1 zahrn\u00fa\u0165 do poistn\u00e9ho krytia alebo pon\u00faknu\u0165 formou pripoistenia, a to dokonca aj za v\u00fdhodnej\u0161iu cenu.<\/p>\n\n\n\n<p>Ako n\u00e1js\u0165 to najlacnej\u0161ie povinn\u00e9 zmluvn\u00e9 poistenie a najv\u00fdhodnej\u0161ie havarijn\u00e9 poistenie? Sta\u010d\u00ed si porovna\u0165 ponuky poistenia vozidiel na RIXO.sk a my v\u00e1m n\u00e1jdeme t\u00fa najlep\u0161iu u\u017e za min\u00fatku!<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.rixo.sk\/povinne-zmluvne-poistenie\" style=\"background-color:#605db5\">Porovna\u0165 povinn\u00e9 zmluvn\u00e9 poistenie<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Mnoho vodi\u010dov m\u00e1 pocit, \u017ee akon\u00e1hle si uzatvoria povinn\u00e9 zmluvn\u00e9 poistenie a k tomu napr\u00edklad aj havarijn\u00e9 poistenie, maj\u00fa vystaran\u00e9 a pri akejko\u013evek \u0161kode sa sta\u010d\u00ed len obr\u00e1ti\u0165 na pois\u0165ov\u0148u. V skuto\u010dnosti je to v\u0161ak trochu inak \u2013 s poisten\u00edm vozidiel sa sp\u00e1ja cel\u00fd rad v\u00fdluk. Viete, ak\u00e9 v\u00fdluky m\u00e1te vo svojej poistke? <\/p>\n","protected":false},"author":10,"featured_media":81,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12,11],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/posts\/79"}],"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=79"}],"version-history":[{"count":2,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/posts\/79\/revisions"}],"predecessor-version":[{"id":83,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/posts\/79\/revisions\/83"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/media\/81"}],"wp:attachment":[{"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/media?parent=79"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/categories?post=79"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/tags?post=79"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}