{"id":11451,"date":"2026-09-23T15:17:44","date_gmt":"2026-09-23T13:17:44","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=11451"},"modified":"2026-09-23T15:22:50","modified_gmt":"2026-09-23T13:22:50","slug":"nove-pravidla-pzp-7-veci-ktore-vas-ochrania-pred-pokutou","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/nove-pravidla-pzp-7-veci-ktore-vas-ochrania-pred-pokutou\/","title":{"rendered":"Nov\u00e9 pravidl\u00e1 PZP: 7 vec\u00ed, ktor\u00e9 v\u00e1s ochr\u00e1nia pred pokutou"},"content":{"rendered":"\n<p><strong>M\u00e1te platn\u00e9 PZP? Doteraz sa dalo na nepoisten\u00e9 auto pr\u00eds\u0165 prakticky len jedin\u00fdm sp\u00f4sobom. Policajn\u00e1 hliadka v\u00e1s zastavila a vyp\u00fdtala si zelen\u00fa kartu. Od okt\u00f3bra 2026 to u\u017e neplat\u00ed. Evidencia vozidiel sa prep\u00e1ja s datab\u00e1zou poistn\u00fdch zml\u00fav a ch\u00fdbaj\u00face povinn\u00e9 zmluvn\u00e9 poistenie si syst\u00e9m n\u00e1jde s\u00e1m.<\/strong><\/p>\n\n\n\n<p>Pre <a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\">povinn\u00e9 zmluvn\u00e9 poistenie<\/a> (PZP) platia po novom pr\u00edsnej\u0161ie pravidl\u00e1. Ak vozidlo zostane bez poistenia viac ako 30 dn\u00ed, okresn\u00fd \u00farad po\u0161le jeho majite\u013eovi pokutu automaticky bez toho, aby ho niekto zastavil na ceste. Pri dlhodobom ignorovan\u00ed prich\u00e1dzaj\u00fa opakovan\u00e9 sankcie a aut\u00e1m nepoisten\u00fdm viac ako dva roky hroz\u00ed trval\u00e9 vyradenie z evidencie.<\/p>\n\n\n\n<p>Syst\u00e9m bude vo v\u00e4\u010d\u0161ej miere pracova\u0165 s \u00fadajmi z registrov, tak\u017ee nepoisten\u00e9 vozidl\u00e1 odhal\u00ed r\u00fdchlej\u0161ie a systematickej\u0161ie. Pr\u00e1ve preto si <a href=\"https:\/\/www.fingo.sk\/pzp-strazca\">preverte v\u010das<\/a> nielen platnos\u0165 svojej poistnej zmluvy, ale aj to, \u010di s\u00fa \u00fadaje o vozidle evidovan\u00e9 spr\u00e1vne.&nbsp;<\/p>\n\n\n\n<p><strong>TIP: <\/strong>Pri prechode k inej pois\u0165ovni alebo pri uzatvoren\u00ed novej zmluvy si odlo\u017ete aj potvrdenie. Ak by v registri nie\u010do nesedelo, m\u00e1te \u010d\u00edm dolo\u017ei\u0165, \u017ee PZP m\u00e1te.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe src=\"https:\/\/www.fingo.sk\/banner\/pzp\/version1?inNewWindow=1&amp;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>Pokuty od 120 do 900 eur<\/h2>\n\n\n\n<p>V\u00fd\u0161ka sankcie od okresn\u00e9ho \u00faradu z\u00e1vis\u00ed od hmotnosti vozidla:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Vozidlo<\/strong><\/td><td><strong>Pokuta<\/strong><\/td><\/tr><tr><td>Pr\u00edvesy do 750 kg<\/td><td>120 \u20ac<\/td><\/tr><tr><td>Osobn\u00e9 aut\u00e1 (do 3,5 t)<\/td><td>300 \u20ac<\/td><\/tr><tr><td>N\u00e1kladn\u00e9 aut\u00e1 (do 12 t)<\/td><td>600 \u20ac<\/td><\/tr><tr><td>Naj\u0165a\u017e\u0161ia technika<\/td><td>900 \u20ac<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Pozor, ak by va\u0161e auto zostalo bez poistenia 150 dn\u00ed, prich\u00e1dza \u010fal\u0161ia pokuta, tentoraz v dvojn\u00e1sobnej v\u00fd\u0161ke.<\/p>\n\n\n\n<p>Sumu v\u0161ak viete v\u00fdrazne zmierni\u0165 t\u00fdm, \u017ee zareagujete r\u00fdchlo. Pri \u00fahrade do 15 dn\u00ed zaplat\u00edte len dve tretiny. Ak si v tej istej lehote z\u00e1rove\u0148 dojedn\u00e1te PZP alebo si uprav\u00edte stav auta v evidencii, \u00fa\u010det sa skre\u0161e na jednu tretinu p\u00f4vodnej sumy.&nbsp;<\/p>\n\n\n\n<h2>Bez PZP neprejdete STK<\/h2>\n\n\n\n<p>\u00daradn\u00e9 pokuty nie s\u00fa jedin\u00fdm mo\u017en\u00fdm d\u00f4sledkom. Ak syst\u00e9m neeviduje platn\u00e9 povinn\u00e9 zmluvn\u00e9 poistenie, vozidlo neprejde technickou ani emisnou kontrolou. Automaticky sa tak st\u00e1va nesp\u00f4sobil\u00fdm na jazdu v cestnej prem\u00e1vke.<\/p>\n\n\n\n<p>Zabudnut\u00e1 platba v\u00e1s preto m\u00f4\u017ee dobehn\u00fa\u0165 nielen pri policajnej hliadke, ale aj priamo na stanici STK, odkia\u013e od\u00eddete bez platn\u00e9ho osved\u010denia. Platnos\u0165 poistenia aj evidovan\u00e9 \u00fadaje si preverte e\u0161te pred rezerv\u00e1ciou term\u00ednu.<\/p>\n\n\n\n<h2>Viac ako polovica vodi\u010dov si PZP porovn\u00e1va&nbsp;<\/h2>\n\n\n\n<p>Z n\u00e1\u0161ho ned\u00e1vneho prieskumu vyplynulo, \u017ee 53 % klientov FinGO.sk si pred pred\u013a\u017een\u00edm PZP pravidelne porovn\u00e1va ceny na trhu. \u010eal\u0161\u00edch 26 % poistku jednoducho uhrad\u00ed a 20 % to nech\u00e1va na finan\u010dn\u00e9ho sprostredkovate\u013ea.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"455\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/09\/PZP_graf_1-1.png\" alt=\"\" class=\"wp-image-11452\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/09\/PZP_graf_1-1.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/09\/PZP_graf_1-1-300x133.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/09\/PZP_graf_1-1-768x341.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"735\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/09\/PZP_graf_2-1.png\" alt=\"\" class=\"wp-image-11453\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/09\/PZP_graf_2-1.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/09\/PZP_graf_2-1-300x215.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/09\/PZP_graf_2-1-768x551.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Pri v\u00fdbere PZP ved\u00fa <a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\">online porovn\u00e1va\u010de<\/a> (57,7 %) a <a href=\"https:\/\/www.fingo.sk\/kontakty\">finan\u010dn\u00ed makl\u00e9ri<\/a> (45 %), pri\u010dom 5 % \u013eud\u00ed si u\u017e pom\u00e1ha aj umelou inteligenciou.<\/p>\n\n\n\n<p><strong>TIP: <\/strong>Najlacnej\u0161ie PZP nemus\u00ed by\u0165 v\u017edy v\u00fdhrou, no prepl\u00e1ca\u0165 za rovnak\u00e9 krytie nem\u00e1 zmysel.&nbsp;<\/p>\n\n\n\n<p>Viete o tom, \u017ee cena PZP nie je pre ka\u017ed\u00e9ho rovnak\u00e1? Rozdiely v ro\u010dn\u00fdch platb\u00e1ch za to ist\u00e9 auto m\u00f4\u017eu dosiahnu\u0165 desiatky eur. Pois\u0165ovne toti\u017e uplat\u0148uj\u00fa odli\u0161n\u00e9 cenov\u00e9 strat\u00e9gie a do v\u00fdpo\u010dtu im vstupuj\u00fa nehodovos\u0165, vek vodi\u010da \u010di parametre auta. Ak ste nikomu nesp\u00f4sobili \u0161kodu, m\u00f4\u017eete z\u00edska\u0165 z\u013eavu za bez\u0161kodov\u00fd priebeh, a niektor\u00e9 pois\u0165ovne zoh\u013ead\u0148uj\u00fa napr\u00edklad aj ni\u017e\u0161\u00ed ro\u010dn\u00fd n\u00e1jazd kilometrov.<\/p>\n\n\n\n<h2>Najv\u00e4\u010d\u0161ie rozdiely s\u00fa v pripoisteniach<\/h2>\n\n\n\n<p>Prieskum z\u00e1rove\u0148 uk\u00e1zal, \u017ee 58 % op\u00fdtan\u00fdch pozn\u00e1 mo\u017enosti <a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\">pripoisten\u00ed k PZP<\/a> a niektor\u00e9 z nich m\u00e1 uzatvoren\u00e9. \u010eal\u0161\u00edch 33 % o nich m\u00e1 pribli\u017en\u00fa predstavu, ale nevyu\u017e\u00edva ich.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"493\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/09\/PZP_graf_3-1.png\" alt=\"\" class=\"wp-image-11454\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/09\/PZP_graf_3-1.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/09\/PZP_graf_3-1-300x144.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/09\/PZP_graf_3-1-768x370.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Pr\u00e1ve tu vznikaj\u00fa na trhu najv\u00e4\u010d\u0161ie rozdiely a zamera\u0165 sa len na cenu z\u00e1kladn\u00e9ho PZP je chyba. Pri v\u00fdbere s\u00fa k\u013e\u00fa\u010dov\u00e9 rozsah krytia, finan\u010dn\u00e9 limity aj asisten\u010dn\u00e9 slu\u017eby.&nbsp;<\/p>\n\n\n\n<p>K\u00fdm niekto ocen\u00ed poistenie \u010deln\u00e9ho skla pri ka\u017edodenn\u00fdch cest\u00e1ch po dia\u013enici, in\u00fd vyu\u017eije poistenie stretu so zverou na vidieku alebo od\u0165ah vozidla zo zahrani\u010dia. Preto sa oplat\u00ed poradi\u0165 sa <a href=\"https:\/\/www.fingo.sk\/kontakty\">so sk\u00fasen\u00fdm odborn\u00edkom<\/a>, ktor\u00fd v\u00e1m poistn\u00e9 krytie nastav\u00ed presne na mieru.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color\"><em><strong><a href=\"https:\/\/www.fingo.sk\/blog\/prasknute-celne-sklo-na-pzp-sa-nespoliehajte\/\">Pre\u010d\u00edtajte si aj \u010dl\u00e1nok o prasknutom \u010delnom skle a PZP<\/a>.<\/strong><\/em><\/p>\n\n\n\n<h2>7 vec\u00ed, ktor\u00e9 si pri PZP treba ustr\u00e1\u017ei\u0165<\/h2>\n\n\n\n<p><strong>1.<\/strong> Overte si platnos\u0165 PZP \u2013 najm\u00e4 ak si nie ste ist\u00ed d\u00e1tumom \u00fahrady alebo v\u00fdro\u010d\u00edm poistnej zmluvy.<\/p>\n\n\n\n<p><strong>2.<\/strong> Skontrolujte \u00fadaje o vozidle \u2013 pri zmene vozidla, dr\u017eite\u013ea alebo pois\u0165ovne je d\u00f4le\u017eit\u00e9, aby boli v\u0161etky \u00fadaje spr\u00e1vne evidovan\u00e9.<\/p>\n\n\n\n<p><strong>3.<\/strong> <a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\">Porovnajte si ponuky<\/a> pred v\u00fdro\u010d\u00edm poistky \u2013 rozdiely medzi pois\u0165ov\u0148ami m\u00f4\u017eu by\u0165 v\u00fdrazn\u00e9.<\/p>\n\n\n\n<p><strong>4. <\/strong>Nepozerajte sa iba na cenu \u2013 d\u00f4le\u017eit\u00e9 s\u00fa aj poistn\u00e9 limity, pripoistenia a asisten\u010dn\u00e9 slu\u017eby.<\/p>\n\n\n\n<p><strong>5.<\/strong> Overte si bonus za bez\u0161kodov\u00fd priebeh \u2013 ak ste nesp\u00f4sobili \u0161kodu, m\u00f4\u017eete ma\u0165 n\u00e1rok na v\u00fdhodnej\u0161ie poistn\u00e9.<\/p>\n\n\n\n<p><strong>6.<\/strong> Zv\u00e1\u017ete u\u017eito\u010dn\u00e9 pripoistenia \u2013 napr\u00edklad skl\u00e1, stret so zverou, \u017eiveln\u00fa udalos\u0165 \u010di asisten\u010dn\u00e9 slu\u017eby pod\u013ea toho, ako a kde svoje vozidlo pou\u017e\u00edvate.<\/p>\n\n\n\n<p><strong>7.<\/strong> Uchovajte si doklad o poisten\u00ed \u2013 zelen\u00fa kartu m\u00f4\u017eete ma\u0165 aj v elektronickej podobe.<\/p>\n\n\n\n<p><strong>TIP: <\/strong>Ponuky PZP si viete r\u00fdchlo porovna\u0165 aj <a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\">cez na\u0161u kalkula\u010dku<\/a>. Sta\u010d\u00ed, ak do nej zad\u00e1te svoje E\u010cV.&nbsp;<\/p>\n\n\n\n<h2>Na \u010do sl\u00fa\u017ei PZP?<\/h2>\n\n\n\n<p>Nezabudnite, \u017ee povinn\u00e9 zmluvn\u00e9 poistenie kryje \u0161kody na majetku a zdrav\u00ed, ktor\u00e9 svoj\u00edm vozidlom sp\u00f4sob\u00edte in\u00fdm. Povinnos\u0165 uzatvori\u0165 ho sa vz\u0165ahuje na v\u0161etky evidovan\u00e9 motorov\u00e9 vozidl\u00e1 s eviden\u010dn\u00fdm \u010d\u00edslom, t\u00fdka sa v\u0161ak aj vybran\u00fdch mal\u00fdch e-vozidiel bez neho.&nbsp;<\/p>\n\n\n\n<p>Dokladom o platnosti je zelen\u00e1 karta, ktor\u00fa pri kontrole predlo\u017e\u00edte v papierovej forme alebo ulo\u017een\u00fa v mobile ako PDF.<\/p>\n\n\n\n<p>Zmluva k PZP sa dojedn\u00e1va na jeden rok s automatick\u00fdm pred\u013a\u017een\u00edm. Ak ju nem\u00e1te alebo ju zabudnete uhradi\u0165, riskujete pokutu a pri zavinenej nehode zaplat\u00edte v\u0161etky \u0161kody na majetku \u010di zdrav\u00ed z vlastn\u00e9ho vrecka.<\/p>\n\n\n\n<h2>Ako zmeni\u0165 pois\u0165ov\u0148u?<\/h2>\n\n\n\n<p>PZP m\u00f4\u017eete zmeni\u0165 raz ro\u010dne k v\u00fdro\u010diu zmluvy. Vlastnoru\u010dne podp\u00edsan\u00fa v\u00fdpove\u010f mus\u00edte p\u00f4vodnej pois\u0165ovni doru\u010di\u0165 najnesk\u00f4r 6 t\u00fd\u017ed\u0148ov pred v\u00fdro\u010d\u00edm.<\/p>\n\n\n\n<p>Ak si nie ste ist\u00ed, \u010di m\u00e1te poistn\u00e9 krytie nastaven\u00e9 spr\u00e1vne, porad\u00edme v\u00e1m. Sk\u00fasen\u00ed finan\u010dn\u00ed <a href=\"https:\/\/www.fingo.sk\/kontakty\">makl\u00e9ri z <\/a><a href=\"http:\/\/fingo.sk\">FinGO.sk<\/a> v\u00e1m porovnaj\u00fa aktu\u00e1lne ponuky PZP na trhu a poradia, ktor\u00e9 pripoistenia maj\u00fa pr\u00e1ve pri va\u0161om vozidle a sp\u00f4sobe jazdy zmysel.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_car_insurance\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=car_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>M\u00e1te platn\u00e9 PZP? Doteraz sa dalo na nepoisten\u00e9 auto pr\u00eds\u0165 prakticky len jedin\u00fdm sp\u00f4sobom. Policajn\u00e1 hliadka v\u00e1s zastavila a vyp\u00fdtala si zelen\u00fa kartu. Od okt\u00f3bra 2026 to u\u017e neplat\u00ed. Evidencia vozidiel sa prep\u00e1ja s datab\u00e1zou poistn\u00fdch zml\u00fav a ch\u00fdbaj\u00face povinn\u00e9 zmluvn\u00e9 poistenie si syst\u00e9m n\u00e1jde s\u00e1m. Pre povinn\u00e9 zmluvn\u00e9 poistenie (PZP) platia po novom pr\u00edsnej\u0161ie pravidl\u00e1. Ak vozidlo zostane bez poistenia viac ako 30 dn\u00ed, okresn\u00fd \u00farad po\u0161le jeho majite\u013eovi pokutu automaticky bez toho, aby ho niekto zastavil na ceste. Pri dlhodobom ignorovan\u00ed prich\u00e1dzaj\u00fa opakovan\u00e9 sankcie a aut\u00e1m nepoisten\u00fdm viac ako dva roky hroz\u00ed trval\u00e9 vyradenie z evidencie. Syst\u00e9m bude vo v\u00e4\u010d\u0161ej miere pracova\u0165 s \u00fadajmi z registrov, tak\u017ee nepoisten\u00e9 vozidl\u00e1 odhal\u00ed r\u00fdchlej\u0161ie a systematickej\u0161ie. Pr\u00e1ve preto si preverte v\u010das nielen platnos\u0165 svojej poistnej zmluvy, ale aj to, \u010di s\u00fa \u00fadaje o vozidle evidovan\u00e9 spr\u00e1vne.&nbsp; TIP: Pri prechode k inej pois\u0165ovni alebo pri uzatvoren\u00ed novej zmluvy si odlo\u017ete aj potvrdenie. Ak by v registri nie\u010do nesedelo, m\u00e1te \u010d\u00edm dolo\u017ei\u0165, \u017ee PZP m\u00e1te. Pokuty od 120 do 900 eur V\u00fd\u0161ka sankcie od okresn\u00e9ho \u00faradu z\u00e1vis\u00ed od hmotnosti vozidla: Vozidlo Pokuta Pr\u00edvesy do 750 kg 120 \u20ac Osobn\u00e9 aut\u00e1 (do 3,5 t) 300 \u20ac N\u00e1kladn\u00e9 aut\u00e1 (do 12 t) 600 \u20ac Naj\u0165a\u017e\u0161ia [&hellip;]<\/p>\n","protected":false},"author":58,"featured_media":11468,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[208],"tags":[77,161,155],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Nov\u00e9 pravidl\u00e1 PZP: 7 vec\u00ed, ktor\u00e9 v\u00e1s ochr\u00e1nia pred pokutou - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Od 1. okt\u00f3bra 2026 pr\u00edde pokuta za auto bez PZP automaticky po\u0161tou. 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