{"id":85,"date":"2025-11-20T15:53:12","date_gmt":"2025-11-20T14:53:12","guid":{"rendered":"https:\/\/www.rixo.sk\/blog\/?p=85"},"modified":"2025-11-20T15:53:13","modified_gmt":"2025-11-20T14:53:13","slug":"overenie-pzp","status":"publish","type":"post","link":"https:\/\/www.rixo.sk\/blog\/overenie-pzp\/","title":{"rendered":"Overenie PZP: Ako r\u00fdchlo a spo\u013eahlivo zisti\u0165, \u010di je vozidlo poisten\u00e9"},"content":{"rendered":"\n

Uzavretie povinn\u00e9ho zmluvn\u00e9ho poistenia (PZP) je v Slovenskej republike z\u00e1konnou povinnos\u0165ou pre ka\u017ed\u00e9ho vodi\u010da motorov\u00e9ho vozidla, ktor\u00e9 sa pou\u017e\u00edva na verejn\u00fdch komunik\u00e1ci\u00e1ch. Sl\u00fa\u017ei na \u00fahradu \u0161k\u00f4d sp\u00f4soben\u00fdch prev\u00e1dzkou vozidla na zdrav\u00ed a majetku tret\u00edch os\u00f4b, a preto jeho platnos\u0165 nie je len formalitou, ale re\u00e1lnou ochranou pre po\u0161koden\u00fdch pri dopravn\u00fdch nehod\u00e1ch. Overte si, \u017ee ho m\u00e1te platn\u00e9 vy alebo vozidlo, ktor\u00e9 do v\u00e1s narazilo.<\/p>\n\n\n\n

Ako overi\u0165 platnos\u0165 PZP<\/h2>\n\n\n\n

Najjednoduch\u0161\u00ed a z\u00e1rove\u0148 najspo\u013eahlivej\u0161\u00ed sp\u00f4sob, ako overi\u0165 platnos\u0165 PZP v praxi, vedie cez online slu\u017ebu Slovenskej kancel\u00e1rie pois\u0165ovate\u013eov (SKP)<\/a>. SKP prev\u00e1dzkuje centr\u00e1lny register poisten\u00ed, do ktor\u00e9ho pois\u0165ovne nahlasuj\u00fa uzatvoren\u00e9 zmluvy PZP. Sta\u010d\u00ed zada\u0165 eviden\u010dn\u00e9 \u010d\u00edslo vozidla (E\u010cV) a zvoli\u0165 d\u00e1tum, ku ktor\u00e9mu chcete platnos\u0165 overi\u0165; v\u00fdsledkom je inform\u00e1cia o tom, \u010di bolo k dan\u00e9mu d\u00e1tumu vozidlo poisten\u00e9, n\u00e1zov pois\u0165ovne aj druh, zna\u010dku, typ a farbu vozidla. Tento syst\u00e9m je navrhnut\u00fd pr\u00e1ve tak, aby ste mohli jednoducho a r\u00fdchlo zisti\u0165, \u010di je vozidlo kryt\u00e9 platn\u00fdm poisten\u00edm, a overi\u0165 si aj spr\u00e1vnos\u0165 zaznamenan\u00e9ho E\u010cV pomocou \u010fal\u0161\u00edch \u00fadajov o vozidle.<\/p>\n\n\n\n

Pri overovan\u00ed platnosti PZP pomocou E\u010cV je dobr\u00e9 vedie\u0165, \u017ee syst\u00e9m \u010dasto umo\u017e\u0148uje overenie aj ku konkr\u00e9tnemu minul\u00e9mu d\u00e1tumu, \u010do ocen\u00edte napr\u00edklad pri sp\u00e4tnom preverovan\u00ed stavu v \u010dase, ke\u010f sa stala nehoda.<\/p>\n\n\n\n

Ak si kupujete ojazden\u00e9 auto, overenie PZP by malo by\u0165 samozrejmos\u0165ou pred podpisom zmluvy. Predajca by mal by\u0165 schopn\u00fd predlo\u017ei\u0165 k\u00f3piu platnej poistnej zmluvy alebo aspo\u0148 \u010d\u00edslo zmluvy, ktor\u00e9 si m\u00f4\u017eete overi\u0165 priamo v registri. V pr\u00edpade, \u017ee vozidlo nie je poisten\u00e9, z\u00e1kon zakazuje jeho prev\u00e1dzku na cest\u00e1ch, a navy\u0161e v pr\u00edpade nehody nesie majite\u013e alebo prev\u00e1dzkovate\u013e vozidla osobn\u00fa zodpovednos\u0165 za vzniknut\u00e9 \u0161kody, ktor\u00e9 by musel uhradi\u0165 z vlastn\u00fdch prostriedkov.<\/p>\n\n\n\n

\u010co ak naraz\u00edte na chybu?<\/h2>\n\n\n\n

Ke\u010f overujete PZP, m\u00f4\u017eete sa stretn\u00fa\u0165 aj s ot\u00e1zkou, \u010do robi\u0165, ak z\u00e1znam uk\u00e1\u017ee ne\u00fapln\u00e9 alebo nepresn\u00e9 inform\u00e1cie. Niekedy m\u00f4\u017ee d\u00f4js\u0165 k oneskoreniu pri nahlasovan\u00ed novozalo\u017eenej zmluvy do centr\u00e1lneho registra \u2013 zvy\u010dajne ide o kr\u00e1tke \u010dasov\u00e9 oneskorenie sp\u00f4soben\u00e9 intern\u00fdmi procesmi pois\u0165ovne. Preto ak ste pr\u00e1ve uzavreli zmluvu a register ju e\u0161te nezobrazuje, kontaktujte priamo pois\u0165ov\u0148u a po\u017eiadajte o potvrdenie \u010d\u00edsla zmluvy a d\u00e1tumu za\u010diatku poistenia; pois\u0165ov\u0148a by mala by\u0165 schopn\u00e1 poskytn\u00fa\u0165 v\u00e1m doklad aj elektronicky. Ak sa v\u0161ak v registri objavia nezrovnalosti, ktor\u00e9 pois\u0165ov\u0148a nedok\u00e1\u017ee vysvetli\u0165, obr\u00e1\u0165te sa na SKP s konkr\u00e9tnymi \u00fadajmi o zmluve a vozidle, aby sa situ\u00e1cia preverila sk\u00f4r, ne\u017e v\u00e1m za\u010dne zo strany Kancel\u00e1rie pois\u0165ovate\u013eov plyn\u00fa\u0165 pokuta.<\/p>\n\n\n\n

V pr\u00edpade, \u017ee sa ocitnete v dopravnej nehode, je overenie PZP jedn\u00fdm z prv\u00fdch krokov po vyplnen\u00ed formul\u00e1ra \u201eZ\u00e1znam o dopravnej nehode\u201c alebo po privolan\u00ed pol\u00edcie \u2013 najprv si pozna\u010dte eviden\u010dn\u00e9 \u010d\u00edslo, zistite n\u00e1zov pois\u0165ovne druhej z\u00fa\u010dastnenej strany a poistn\u00fa udalos\u0165 jej bezodkladne nahl\u00e1ste. Ak nie je mo\u017en\u00e9 okam\u017eite overi\u0165 platnos\u0165 PZP na mieste, tieto \u00fadaje s\u00fa z\u00e1kladom pre \u010fal\u0161ie kroky pri hl\u00e1sen\u00ed udalosti a rie\u0161en\u00ed n\u00e1rokov. Pois\u0165ovne aj pr\u00e1vne predpisy upravuj\u00fa postupy pre pr\u00edpady, ke\u010f je vinn\u00edk nepokryt\u00fd PZP \u2013 vtedy v\u00e1m \u0161kodu namiesto pois\u0165ovne vinn\u00edka hrad\u00ed priamo SKP zo svojho garan\u010dn\u00e9ho fondu, ale \u0161kodu n\u00e1sledne sp\u00e4tne vym\u00e1ha od nepoisten\u00e9ho vinn\u00edka.<\/p>\n\n\n\n

Nepoisten\u00e9 vozidl\u00e1<\/h2>\n\n\n\n

Dnes v\u00e1m za jazdu bez PZP m\u00f4\u017ee pol\u00edcia na mieste ulo\u017ei\u0165 pokutu od 50 do 5 000 eur, pri\u010dom e\u0161te pred rokom 2025 i\u0161lo maxim\u00e1lne o 3 319 eur. V roku 2026 v\u0161ak Slovensko \u010dakaj\u00fa e\u0161te pr\u00edsnej\u0161ie postihy za nepoisten\u00e9 vozidl\u00e1 \u2013 pod\u013ea navrhovanej legislat\u00edvy u\u017e s nepoisten\u00fdm vozidlom nebude mo\u017en\u00e9 absolvova\u0165 ani technick\u00fa kontrolu (STK). Ak bude vozidlo bez platn\u00e9ho PZP z ak\u00e9hoko\u013evek d\u00f4vodu viac ako 30 dn\u00ed, dr\u017eite\u013eovi vozidla bude automaticky ulo\u017een\u00e1 pokuta vo v\u00fd\u0161ke od 120 do 900 eur pod\u013ea kateg\u00f3rie vozidla. Ak poistenie nebude uzavret\u00e9 ani potom, m\u00f4\u017ee d\u00f4js\u0165 aj k opakovan\u00e9mu pokutovaniu po \u010fal\u0161\u00edch 150 d\u0148och.<\/p>\n\n\n\n

Ak vozidlo nebude ma\u0165 platn\u00e9 poistenie viac ako 24 mesiacov, bude z registra dokonca trvalo vyraden\u00e9 a nebude mo\u017en\u00e9 ho leg\u00e1lne prev\u00e1dzkova\u0165. Nemus\u00edte sa v\u0161ak ob\u00e1va\u0165, \u017ee v\u00e1m pokuta pr\u00edde kv\u00f4li oneskoreniu syst\u00e9mov \u2013 pois\u0165ovne bud\u00fa povinn\u00e9 zasiela\u0165 inform\u00e1cie o uzatvoren\u00ed a z\u00e1niku poistenia okam\u017eite online do syst\u00e9mu SKP, aby boli \u00fadaje v\u017edy aktu\u00e1lne.<\/p>\n\n\n\n

Nem\u00e1te povinn\u00e9 zmluvn\u00e9 poistenie? Uzavrite ho r\u00fdchlo<\/h2>\n\n\n\n

Najv\u00fdhodnej\u0161iu ponuku poistenia n\u00e1jdete u\u017e v priebehu nieko\u013ek\u00fdch min\u00fat. 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 vypo\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":"

Uzavretie povinn\u00e9ho zmluvn\u00e9ho poistenia (PZP) je v Slovenskej republike z\u00e1konnou povinnos\u0165ou pre ka\u017ed\u00e9ho vodi\u010da motorov\u00e9ho vozidla, ktor\u00e9 sa pou\u017e\u00edva na verejn\u00fdch komunik\u00e1ci\u00e1ch. Ako na overenie PZP?<\/p>\n","protected":false},"author":1,"featured_media":89,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/posts\/85"}],"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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/comments?post=85"}],"version-history":[{"count":2,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/posts\/85\/revisions"}],"predecessor-version":[{"id":87,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/posts\/85\/revisions\/87"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/media\/89"}],"wp:attachment":[{"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/media?parent=85"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/categories?post=85"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.sk\/blog\/wp-json\/wp\/v2\/tags?post=85"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}