[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.formix.sk\/povinne-zmluvne-poistenie-mozete-vybavit-aj-online-ma-to-svoje-vyhody\/#Article","mainEntityOfPage":"https:\/\/www.formix.sk\/povinne-zmluvne-poistenie-mozete-vybavit-aj-online-ma-to-svoje-vyhody\/","headline":"Povinn\u00e9 zmluvn\u00e9 poistenie m\u00f4\u017eete vybavi\u0165 aj online, m\u00e1 to svoje v\u00fdhody","name":"Povinn\u00e9 zmluvn\u00e9 poistenie m\u00f4\u017eete vybavi\u0165 aj online, m\u00e1 to svoje v\u00fdhody","description":"Mo\u017eno sa p\u00fdtate, pre\u010do som povinn\u00fd plati\u0165 povinn\u00e9 zmluvn\u00e9 poistenie? V tomto pr\u00edpade toti\u017e nejde o poistku ako u poistenia havarijn\u00e9ho, \u010di\u017ee uzavret\u00edm poistky neist\u00edte svoje auto proti po\u0161kodeniu, ale ide o povinn\u00fa zodpovednos\u0165 vo\u010di ostatn\u00fdm \u00fa\u010dastn\u00edkom cestnej prem\u00e1vky. V pr\u00edpade, \u017ee sp\u00f4sob\u00edte dopravn\u00fa nehodu a teda aj ur\u010dit\u00fa \u0161kodu na majetku (aute) po\u0161koden\u00e9ho, v…","datePublished":"2018-10-02","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.formix.sk\/author\/#Person","name":"","url":"https:\/\/www.formix.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/32bc2d377216483c132a3bbf038b8838926e0616f1b3d0e9cb50d997f0b052ba?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/32bc2d377216483c132a3bbf038b8838926e0616f1b3d0e9cb50d997f0b052ba?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"formix.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.formix.sk\/wp-content\/uploads\/img_a292283_w16587_t1539958345.jpg","url":"https:\/\/www.formix.sk\/wp-content\/uploads\/img_a292283_w16587_t1539958345.jpg","height":0,"width":0},"url":"https:\/\/www.formix.sk\/povinne-zmluvne-poistenie-mozete-vybavit-aj-online-ma-to-svoje-vyhody\/","wordCount":418,"articleBody":"Mo\u017eno sa p\u00fdtate, pre\u010do som povinn\u00fd plati\u0165 povinn\u00e9 zmluvn\u00e9 poistenie?  V tomto pr\u00edpade toti\u017e nejde o poistku ako u poistenia havarijn\u00e9ho, \u010di\u017ee uzavret\u00edm poistky neist\u00edte svoje auto proti po\u0161kodeniu, ale ide o povinn\u00fa zodpovednos\u0165 vo\u010di ostatn\u00fdm \u00fa\u010dastn\u00edkom cestnej prem\u00e1vky. V pr\u00edpade, \u017ee sp\u00f4sob\u00edte dopravn\u00fa nehodu a teda aj ur\u010dit\u00fa \u0161kodu na majetku (aute) po\u0161koden\u00e9ho, v hor\u0161om pr\u00edpade aj na jeho zdrav\u00ed, pois\u0165ov\u0148a bude disponova\u0165 \u010diastkou, ktorou sp\u00f4soben\u00fa \u0161kodu uhrad\u00ed. V\u00fd\u0161ka preplatenej sumy je v\u0161ak samozrejme ve\u013emi relevantn\u00e1, nako\u013eko \u010diastka sa ur\u010d\u00ed pod\u013ea v\u00fdmeru \u0161kody. Ka\u017edop\u00e1dne povinnos\u0165 hradenia spad\u00e1 na va\u0161u pois\u0165ov\u0148u, s ktorou m\u00e1te uzatvoren\u00fa zmluvu a ktorej ste pravideln\u00fdm platite\u013eom. Preto je u\u017e vopred d\u00f4le\u017eit\u00e9 zisti\u0165 o v\u00e1s a va\u0161om vozidle viacero inform\u00e1ci\u00ed a detailov, na z\u00e1klade ak\u00fdch sa dohodne v\u00fd\u0161ka poistn\u00e9ho, respekt\u00edve v\u00fd\u0161ka jeho spl\u00e1cania. V\u00fd\u0161ka z\u00e1le\u017e\u00ed od viacer\u00fdch faktorov, ak\u00fdm je vek vodi\u010da, jeho vodi\u010dsk\u00e1 minulos\u0165, okolie po akom pravidelne jazd\u00ed, typ a hmotnos\u0165 vozidla,… v tomto pr\u00edpade sa pravdepodobne zvl\u00e1\u0161\u0165 bude posudzova\u0165 kateg\u00f3ria n\u00e1kladn\u00fdch vozidiel. Vieme, \u017ee z\u00e1kon na tieto v\u00e4\u010d\u0161ie n\u00e1kladn\u00e9 aut\u00e1 kladie odli\u0161n\u00fd meter, plat\u00ed to napr\u00edklad aj v pr\u00edpade emisi\u00ed a \u010derstvej inform\u00e1cii, ak\u00e9 s\u00fa nov\u00e9 emisn\u00e9 limity pre n\u00e1kladn\u00e9 aut\u00e1. Ale vr\u00e1\u0165me sa sp\u00e4\u0165 k t\u00e9me pzp (povinn\u00e9ho zmluvn\u00e9ho poistenia).  Cel\u00fd postup m\u00f4\u017eete zvl\u00e1dnu\u0165 ve\u013emi praktick\u00fdm, ale pritom finan\u010dne v\u00fdhodn\u00fdm sp\u00f4sobom a to online pomocou pzp kalkula\u010dky. Na za\u010diatok vypln\u00edte \u00fadaje, na ak\u00e9 sa v\u00e1s webov\u00e1 str\u00e1nka budete p\u00fdta\u0165. Na z\u00e1klade t\u00fdchto vyplnen\u00fdch \u00fadajov (odpor\u00fa\u010dam ma\u0165 po ruke technick\u00fd preukaz) n\u00e1sledne pzp kalkula\u010dka vypo\u010d\u00edta odpor\u00fa\u010dan\u00fa \u010diastku konkr\u00e9tne pre v\u00e1s a va\u0161e vozidlo. Z\u00e1rove\u0148 budete m\u00f4c\u0165 vyu\u017ei\u0165 i viacer\u00e9 z\u013eavy a to konkr\u00e9tne tie, ak\u00e9 sa hodia k va\u0161ej situ\u00e1cii. V pr\u00edpade spokojnosti so stanovenou \u010diastkou si n\u00e1sledne budete m\u00f4c\u0165 vybra\u0165 z viacer\u00fdch pois\u0165ovn\u00ed, ktor\u00e9 s\u00fa u\u017e dnes dostupn\u00e9 online a cel\u00fd postup uzavrie\u0165 preh\u013eadne, av\u0161ak r\u00fdchlo bez toho, aby ste museli dan\u00fa pois\u0165ov\u0148u nav\u0161tevova\u0165 osobne.                                                                                                                                                                                                                                                                                                                                                                                                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