{"id":11275,"date":"2026-07-06T16:05:35","date_gmt":"2026-07-06T14:05:35","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=11275"},"modified":"2026-07-06T16:05:37","modified_gmt":"2026-07-06T14:05:37","slug":"nehoda-kradez-ci-uraz-ako-si-nastavit-poistenie-motorky","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/nehoda-kradez-ci-uraz-ako-si-nastavit-poistenie-motorky\/","title":{"rendered":"Nehoda, kr\u00e1de\u017e \u010di \u00faraz. Ako si nastavi\u0165 poistenie motorky?"},"content":{"rendered":"\n<p><strong>Jazda na motorke prin\u00e1\u0161a slobodu, rados\u0165 z cesty a pocit, ktor\u00fd vodi\u010di \u00e1ut \u010dasto nepoznaj\u00fa. Z\u00e1rove\u0148 v\u0161ak patr\u00ed medzi rizikovej\u0161ie formy dopravy. Preto by poistenie motorky nemalo by\u0165 len povinnou formalitou, ale s\u00fa\u010das\u0165ou pr\u00edpravy na ka\u017ed\u00fa sez\u00f3nu.<\/strong><\/p>\n\n\n\n<p>Mnoh\u00ed motork\u00e1ri rie\u0161ia najm\u00e4 povinn\u00e9 zmluvn\u00e9 poistenie. To je z\u00e1klad, bez ktor\u00e9ho sa jazdi\u0165 ned\u00e1. Samotn\u00e9 PZP v\u0161ak nesta\u010d\u00ed na v\u0161etko, \u010do sa po\u010das sez\u00f3ny m\u00f4\u017ee sta\u0165, od nehody cez kr\u00e1de\u017e a\u017e po poruchu \u010faleko od domova.<\/p>\n\n\n\n<h2><strong>Poistenie motorky nie je len o PZP<\/strong><\/h2>\n\n\n\n<p>Povinn\u00e9 zmluvn\u00e9 poistenie kryje najm\u00e4 \u0161kody, ktor\u00e9 sp\u00f4sob\u00edte in\u00fdm \u00fa\u010dastn\u00edkom cestnej prem\u00e1vky. Ak teda pri nehode po\u0161kod\u00edte cudzie auto, majetok alebo sp\u00f4sob\u00edte ujmu na zdrav\u00ed, \u0161koda sa rie\u0161i z v\u00e1\u0161ho PZP.<\/p>\n\n\n\n<p>Len\u017ee \u010do v\u00e1\u0161 motocykel? \u010co v\u00fdbava, bato\u017eina, od\u0165ah alebo lie\u010dba po \u00faraze v zahrani\u010d\u00ed?<\/p>\n\n\n\n<p>Pr\u00e1ve tu sa ukazuje rozdiel medzi z\u00e1kladnou poistkou a komplexnej\u0161ou ochranou. Motork\u00e1r by mal myslie\u0165 najm\u00e4 na tieto oblasti:<\/p>\n\n\n\n<ul>\n<li>PZP na motocykel,<\/li>\n\n\n\n<li>havarijn\u00e9 poistenie,<\/li>\n\n\n\n<li>cestovn\u00e9 poistenie pri v\u00fdjazdoch do zahrani\u010dia,<\/li>\n\n\n\n<li>asisten\u010dn\u00e9 slu\u017eby,<\/li>\n\n\n\n<li>\u017eivotn\u00e9 alebo \u00farazov\u00e9 poistenie.<\/li>\n<\/ul>\n\n\n\n<p>Nie ka\u017ed\u00e1 jazda sa skon\u010d\u00ed probl\u00e9mom. No ke\u010f probl\u00e9m pr\u00edde, rozhoduje pr\u00e1ve to, \u010do m\u00e1te v poistke nastaven\u00e9.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe src=\"https:\/\/www.fingo.sk\/banner\/pzp\/version1?inNewWindow=1&#038;cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO\" id=\"iframePzpV1\" style=\"min-height: 592px; width: 110%; border: none; height: 608px;\" loading=\"lazy\"><\/iframe>\n\n\n\n<h2><strong>Havarijn\u00e9 poistenie motorky chr\u00e1ni aj v\u00e1\u0161 stroj<\/strong><\/h2>\n\n\n\n<p>Motorky s\u00fa \u010doraz drah\u0161ie, rovnako ako n\u00e1hradn\u00e9 diely a servisn\u00e9 pr\u00e1ce. Aj men\u0161ie po\u0161kodenie preto m\u00f4\u017ee znamena\u0165 v\u00fddavok v stovk\u00e1ch a\u017e tis\u00edcoch eur. Pri nov\u0161\u00edch alebo hodnotnej\u0161\u00edch motocykloch sa preto oplat\u00ed zv\u00e1\u017ei\u0165 havarijn\u00e9 poistenie.<\/p>\n\n\n\n<p>Havarijn\u00e9 poistenie m\u00f4\u017ee pom\u00f4c\u0165 pri \u0161kod\u00e1ch na vlastnom motocykli, napr\u00edklad po nehode, p\u00e1de, vandalizme, kr\u00e1de\u017ei alebo \u0161kod\u00e1ch sp\u00f4soben\u00fdch po\u010das\u00edm. Kr\u00fapy, v\u00edchrica \u010di po\u017eiar gar\u00e1\u017ee pritom nie s\u00fa rizik\u00e1, ktor\u00e9 by sa t\u00fdkali iba \u00e1ut.<\/p>\n\n\n\n<p>Pri uzatv\u00e1ran\u00ed poistky je d\u00f4le\u017eit\u00e9 nezabudn\u00fa\u0165 ani na v\u00fdbavu motocykla. Do poistenia sa d\u00e1 zahrn\u00fa\u0165 aj nad\u0161tandardn\u00e1 v\u00fdbava, napr\u00edklad kufre, kryty, chr\u00e1ni\u010de, zrkadl\u00e1, deflektory vetra, dr\u017eiaky mobilov, navig\u00e1cie \u010di pr\u00eddavn\u00e9 svetl\u00e1. Ich hodnota m\u00f4\u017ee by\u0165 prekvapivo vysok\u00e1.<\/p>\n\n\n\n<p>Ak ich v poistke nem\u00e1te zahrnut\u00e9, pri \u0161kode m\u00f4\u017eete zisti\u0165, \u017ee pois\u0165ov\u0148a ich nepreplat\u00ed v\u00f4bec alebo len \u010diasto\u010dne.<\/p>\n\n\n\n<p><strong><em>Ako si vybra\u0165 cestovn\u00e9 poistenie? Pre\u010d\u00edtajte si <a href=\"https:\/\/www.fingo.sk\/blog\/ako-vybrat-cestovne-poistenie-6-dolezitych-tipov-pred-dovolenkou\/\">6 d\u00f4le\u017eit\u00fdch tipov pred dovolenkou<\/a><\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/ako-vybrat-cestovne-poistenie-6-dolezitych-tipov-pred-dovolenkou\/\"><strong><em>!<\/em><\/strong><\/a><\/p>\n\n\n\n<h2><strong>Sez\u00f3nne alebo celoro\u010dn\u00e9 poistenie motorky?<\/strong><\/h2>\n\n\n\n<p>Kedysi bolo be\u017en\u00e9, \u017ee motork\u00e1ri rie\u0161ili sez\u00f3nne poistenie. Motocykel vyu\u017e\u00edvali najm\u00e4 po\u010das tepl\u00fdch mesiacov a zvy\u0161ok roka st\u00e1l v gar\u00e1\u017ei. Dnes sa v\u0161ak sez\u00f3na predl\u017euje a na cest\u00e1ch nie je v\u00fdnimo\u010dn\u00e9 vidie\u0165 motorky aj mimo leta.<\/p>\n\n\n\n<p>Rozdiel medzi sez\u00f3nnym a celoro\u010dn\u00fdm PZP pritom \u010dasto nemus\u00ed by\u0165 ve\u013ek\u00fd. \u00daspora nieko\u013ek\u00fdch desiatok eur m\u00f4\u017ee znamena\u0165 viac starost\u00ed ako \u00fa\u017eitku, najm\u00e4 ak pr\u00edde pekn\u00e9 po\u010dasie sk\u00f4r, ako \u010dak\u00e1te.<\/p>\n\n\n\n<p>Podobne je to pri havarijnom poisten\u00ed. Niektor\u00e9 rizik\u00e1 nez\u00e1visia od toho, \u010di jazd\u00edte ka\u017ed\u00fd de\u0148 alebo len cez v\u00edkend. Kr\u00e1de\u017e, po\u017eiar gar\u00e1\u017ee alebo po\u0161kodenie motocykla m\u00f4\u017eu nasta\u0165 aj mimo hlavnej sez\u00f3ny.<\/p>\n\n\n\n<h2><strong>Ke\u010f s motorkou zostanete visie\u0165 na krajnici<\/strong><\/h2>\n\n\n\n<p>Porucha na aute je nepr\u00edjemn\u00e1. Porucha na motorke, \u010faleko od domova alebo v zahrani\u010d\u00ed, m\u00f4\u017ee by\u0165 e\u0161te komplikovanej\u0161ia. Pr\u00e1ve preto s\u00fa asisten\u010dn\u00e9 slu\u017eby jedn\u00fdm z najpraktickej\u0161\u00edch benefitov poistenia motorky.<\/p>\n\n\n\n<p>M\u00f4\u017eu pom\u00f4c\u0165 napr\u00edklad pri poruche, nehode, defekte, od\u0165ahu, oprave na mieste, z\u00e1mene paliva alebo potrebe n\u00e1hradnej dopravy. Pri cest\u00e1ch do zahrani\u010dia m\u00f4\u017ee by\u0165 s\u00fa\u010das\u0165ou asistencie aj repatri\u00e1cia, ubytovanie alebo pomoc pri \u010fal\u0161om presune.<\/p>\n\n\n\n<p>Dobr\u00e1 asistencia je rozdiel medzi t\u00fdm, \u010di probl\u00e9m vyrie\u0161ite jedn\u00fdm telefon\u00e1tom, alebo budete v nezn\u00e1mom prostred\u00ed h\u013eada\u0165 servis, od\u0165ah a ubytovanie na vlastn\u00fa p\u00e4s\u0165.<\/p>\n\n\n\n<p>Niektor\u00e9 pois\u0165ovne dnes pri motocykloch postupne roz\u0161iruj\u00fa limity asisten\u010dn\u00fdch slu\u017eieb tak, aby sa pribli\u017eovali asistenci\u00e1m pri osobn\u00fdch aut\u00e1ch. V niektor\u00fdch pr\u00edpadoch sa daj\u00fa asisten\u010dn\u00e9 slu\u017eby uzatvori\u0165 aj samostatne.<\/p>\n\n\n\n<h2><strong>Pri cest\u00e1ch do zahrani\u010dia si skontrolujte viac ako len zelen\u00fa kartu<\/strong><\/h2>\n\n\n\n<p>Motork\u00e1rske v\u00fdjazdy do Rumunska, Talianska, Chorv\u00e1tska \u010di \u010fal\u0161\u00edch ob\u013e\u00faben\u00fdch destin\u00e1ci\u00ed patria k najv\u00e4\u010d\u0161\u00edm z\u00e1\u017eitkom sez\u00f3ny. Pred cestou sa v\u0161ak oplat\u00ed skontrolova\u0165 nielen technick\u00fd stav motocykla, ale aj poistn\u00e9 krytie.<\/p>\n\n\n\n<p>Zelen\u00e1 karta nemus\u00ed plati\u0165 v\u0161ade. Pri niektor\u00fdch krajin\u00e1ch alebo ich \u010dastiach m\u00f4\u017ee by\u0165 potrebn\u00e9 uzatvori\u0165 pri vstupe takzvan\u00e9 hrani\u010dn\u00e9 poistenie. T\u00fdka\u0165 sa to m\u00f4\u017ee napr\u00edklad vybran\u00fdch oblast\u00ed Turecka, Alb\u00e1nska \u010di Moldavska.<\/p>\n\n\n\n<p>Rovnako sa netreba spolieha\u0165 iba na Eur\u00f3psky preukaz zdravotn\u00e9ho poistenia. Ten rie\u0161i najm\u00e4 neodkladn\u00fa zdravotn\u00fa starostlivos\u0165 vo verejnom syst\u00e9me. \u010eal\u0161ie n\u00e1klady, napr\u00edklad na lie\u010dbu, hospitaliz\u00e1ciu, lieky, zdravotn\u00e9 pom\u00f4cky alebo prevoz, m\u00f4\u017eu zosta\u0165 na v\u00e1s.<\/p>\n\n\n\n<p>Aj preto by malo by\u0165 cestovn\u00e9 poistenie pri zahrani\u010dn\u00fdch motork\u00e1rskych v\u00fdjazdoch samozrejmos\u0165ou. Okrem zdravia m\u00f4\u017ee rie\u0161i\u0165 aj bato\u017einu, zodpovednos\u0165 za \u0161kodu alebo \u010fal\u0161ie nepr\u00edjemn\u00e9 situ\u00e1cie po\u010das cesty.<\/p>\n\n\n\n<h2><strong>Pozor na v\u00fdluky: alkohol, vodi\u010d\u00e1k aj poru\u0161enie pravidiel<\/strong><\/h2>\n\n\n\n<p>Poistenie pom\u00e1ha vtedy, ke\u010f s\u00fa splnen\u00e9 jeho podmienky. Pri motocykloch preto treba myslie\u0165 aj na v\u00fdluky, teda situ\u00e1cie, v ktor\u00fdch pois\u0165ov\u0148a nemus\u00ed poistn\u00e9 plnenie vyplati\u0165.<\/p>\n\n\n\n<p>Medzi naj\u010dastej\u0161ie probl\u00e9my patr\u00ed jazda pod vplyvom alkoholu alebo in\u00fdch n\u00e1vykov\u00fdch l\u00e1tok. Rizikom je aj jazda bez platn\u00e9ho vodi\u010dsk\u00e9ho opr\u00e1vnenia, \u00famyseln\u00e9 poru\u0161enie pr\u00e1vnych predpisov alebo pou\u017e\u00edvanie motocykla sp\u00f4sobom, ktor\u00fd poistn\u00e9 podmienky vylu\u010duj\u00fa.<\/p>\n\n\n\n<p>Pred podpisom zmluvy sa preto oplat\u00ed pozrie\u0165 nielen na cenu, ale aj na rozsah krytia, limity, spolu\u00fa\u010das\u0165 a v\u00fdluky. Lacnej\u0161ia poistka nemus\u00ed by\u0165 zl\u00e1, no mala by d\u00e1va\u0165 zmysel pre sp\u00f4sob, ak\u00fdm motocykel re\u00e1lne pou\u017e\u00edvate.<\/p>\n\n\n\n<p><strong><em>Pre\u010d\u00edtajte si aj n\u00e1\u0161 blog <a href=\"https:\/\/www.fingo.sk\/blog\/co-robit-po-dopravnej-nehode-aby-ste-sa-vyhli-problemom-s-poistovnou\/\">\u010co robi\u0165 po dopravnej nehode, aby ste sa vyhli probl\u00e9mom s pois\u0165ov\u0148ou?<\/a><\/em><\/strong><\/p>\n\n\n\n<h2><strong>Nejde len o motocykel, ale aj o jazdca<\/strong><\/h2>\n\n\n\n<p>Pri motorke sa \u010dasto rie\u0161i stroj, v\u00fdbava a servis. Najv\u00e4\u010d\u0161iu hodnotu m\u00e1 v\u0161ak zdravie jazdca. Dopravn\u00e9 nehody motocyklistov sa toti\u017e m\u00f4\u017eu skon\u010di\u0165 v\u00e1\u017enymi \u00farazmi, trval\u00fdmi n\u00e1sledkami alebo tragicky.<\/p>\n\n\n\n<p>Preto sa oplat\u00ed pozrie\u0165 aj na \u017eivotn\u00e9 alebo \u00farazov\u00e9 poistenie. Dobre nastaven\u00e1 poistka m\u00f4\u017ee pom\u00f4c\u0165 pri trval\u00fdch n\u00e1sledkoch \u00farazu, invalidite alebo smrti. Nejde o pr\u00edjemn\u00fa t\u00e9mu, no patr\u00ed k zodpovednej pr\u00edprave na sez\u00f3nu.<\/p>\n\n\n\n<p>D\u00f4le\u017eit\u00e9 je, aby ste pri uzatv\u00e1ran\u00ed \u017eivotn\u00e9ho poistenia priznali, \u017ee jazd\u00edte na motocykli. Niektor\u00e9 pois\u0165ovne m\u00f4\u017eu motork\u00e1rov vn\u00edma\u0165 ako rizikovej\u0161\u00edch klientov, \u010do sa m\u00f4\u017ee premietnu\u0165 do ceny poistn\u00e9ho. Zaml\u010danie tejto inform\u00e1cie by v\u0161ak mohlo pri poistnej udalosti sp\u00f4sobi\u0165 probl\u00e9m s plnen\u00edm.<\/p>\n\n\n\n<h2><strong>Ako si poistenie motorky skontrolova\u0165 pred sez\u00f3nou<\/strong><\/h2>\n\n\n\n<p>Pred prvou v\u00e4\u010d\u0161ou jazdou sa oplat\u00ed urobi\u0165 si kr\u00e1tku poistn\u00fa kontrolu. Nemus\u00ed trva\u0165 dlho, no m\u00f4\u017ee v\u00e1m u\u0161etri\u0165 ve\u013ea starost\u00ed.<\/p>\n\n\n\n<p>Skontrolujte si najm\u00e4:<\/p>\n\n\n\n<ul>\n<li>\u010di m\u00e1te platn\u00e9 PZP a kde v\u0161ade plat\u00ed,<\/li>\n\n\n\n<li>\u010di potrebujete havarijn\u00e9 poistenie alebo pripoistenia,<\/li>\n\n\n\n<li>\u010di m\u00e1te zahrnut\u00fa nad\u0161tandardn\u00fa v\u00fdbavu motocykla,<\/li>\n\n\n\n<li>ak\u00e9 m\u00e1te limity asisten\u010dn\u00fdch slu\u017eieb,<\/li>\n\n\n\n<li>\u010di v\u00e1m cestovn\u00e9 poistenie kryje pl\u00e1novan\u00fa trasu a aktivity,<\/li>\n\n\n\n<li>\u010di m\u00e1te spr\u00e1vne nastaven\u00e9 \u017eivotn\u00e9 alebo \u00farazov\u00e9 poistenie.<\/li>\n<\/ul>\n\n\n\n<p>Poistenie motorky by malo zodpoveda\u0165 tomu, ako jazd\u00edte. In\u00e9 potreby m\u00e1 \u010dlovek, ktor\u00fd pou\u017e\u00edva sk\u00fater p\u00e1rkr\u00e1t do mesiaca v meste, a in\u00e9 motork\u00e1r, ktor\u00fd vyr\u00e1\u017ea na dlh\u00e9 v\u00fdjazdy cez viacero kraj\u00edn.<\/p>\n\n\n\n<p>Dobr\u00e1 poistka v\u00e1m nezaru\u010d\u00ed, \u017ee sa ni\u010d nestane. Pom\u00f4\u017ee v\u0161ak zmierni\u0165 finan\u010dn\u00e9 n\u00e1sledky, ke\u010f sa sez\u00f3na nevyvinie pod\u013ea pl\u00e1nu.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_accident_insurance\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=accident_insurance\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n","protected":false},"excerpt":{"rendered":"<p>Jazda na motorke prin\u00e1\u0161a slobodu, rados\u0165 z cesty a pocit, ktor\u00fd vodi\u010di \u00e1ut \u010dasto nepoznaj\u00fa. Z\u00e1rove\u0148 v\u0161ak patr\u00ed medzi rizikovej\u0161ie formy dopravy. Preto by poistenie motorky nemalo by\u0165 len povinnou formalitou, ale s\u00fa\u010das\u0165ou pr\u00edpravy na ka\u017ed\u00fa sez\u00f3nu. Mnoh\u00ed motork\u00e1ri rie\u0161ia najm\u00e4 povinn\u00e9 zmluvn\u00e9 poistenie. To je z\u00e1klad, bez ktor\u00e9ho sa jazdi\u0165 ned\u00e1. Samotn\u00e9 PZP v\u0161ak nesta\u010d\u00ed na v\u0161etko, \u010do sa po\u010das sez\u00f3ny m\u00f4\u017ee sta\u0165, od nehody cez kr\u00e1de\u017e a\u017e po poruchu \u010faleko od domova. Poistenie motorky nie je len o PZP Povinn\u00e9 zmluvn\u00e9 poistenie kryje najm\u00e4 \u0161kody, ktor\u00e9 sp\u00f4sob\u00edte in\u00fdm \u00fa\u010dastn\u00edkom cestnej prem\u00e1vky. Ak teda pri nehode po\u0161kod\u00edte cudzie auto, majetok alebo sp\u00f4sob\u00edte ujmu na zdrav\u00ed, \u0161koda sa rie\u0161i z v\u00e1\u0161ho PZP. Len\u017ee \u010do v\u00e1\u0161 motocykel? \u010co v\u00fdbava, bato\u017eina, od\u0165ah alebo lie\u010dba po \u00faraze v zahrani\u010d\u00ed? Pr\u00e1ve tu sa ukazuje rozdiel medzi z\u00e1kladnou poistkou a komplexnej\u0161ou ochranou. Motork\u00e1r by mal myslie\u0165 najm\u00e4 na tieto oblasti: Nie ka\u017ed\u00e1 jazda sa skon\u010d\u00ed probl\u00e9mom. No ke\u010f probl\u00e9m pr\u00edde, rozhoduje pr\u00e1ve to, \u010do m\u00e1te v poistke nastaven\u00e9. Havarijn\u00e9 poistenie motorky chr\u00e1ni aj v\u00e1\u0161 stroj Motorky s\u00fa \u010doraz drah\u0161ie, rovnako ako n\u00e1hradn\u00e9 diely a servisn\u00e9 pr\u00e1ce. Aj men\u0161ie po\u0161kodenie preto m\u00f4\u017ee znamena\u0165 v\u00fddavok v stovk\u00e1ch a\u017e tis\u00edcoch eur. Pri nov\u0161\u00edch alebo hodnotnej\u0161\u00edch motocykloch sa preto [&hellip;]<\/p>\n","protected":false},"author":58,"featured_media":11277,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[75],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Nehoda, kr\u00e1de\u017e \u010di \u00faraz. Ako si nastavi\u0165 poistenie motorky? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Poistenie motorky nekon\u010d\u00ed pri PZP. 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