{"id":2382,"date":"2020-06-17T22:23:07","date_gmt":"2020-06-17T20:23:07","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=2382"},"modified":"2023-01-30T14:51:52","modified_gmt":"2023-01-30T13:51:52","slug":"najvyhodnejsie-pzp","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/najvyhodnejsie-pzp\/","title":{"rendered":"Najv\u00fdhodnej\u0161ie PZP &#8211; ako ho z\u00edska\u0165?"},"content":{"rendered":"<p><b>Povinn\u00e9mu zmluvn\u00e9mu poisteniu \u013eudia \u010dasto nevenuj\u00fa zv\u00fd\u0161en\u00fa pozornos\u0165. K\u00fapia si auto, uzatvoria poistku, ka\u017ed\u00fd rok zaplatia \u0161ek od pois\u0165ovne a k\u00fdm sa im nestane poistn\u00e1 udalos\u0165 \u010di nek\u00fapia nov\u00e9 auto, svoju poistku \u201cnerie\u0161ia\u201d. Pravideln\u00e1 <a href=\"https:\/\/www.fingo.sk\/blog\/mate-svoje-zmluvy-pod-kontrolou\/\">kontrola zml\u00fav<\/a> je v\u0161ak d\u00f4le\u017eit\u00e1, a to \u010di ide o poistenie auta, b\u00fdvania \u010di o \u017eivotn\u00e9 poistenie. Rovnako to plat\u00ed aj pre va\u0161e star\u0161ie PZP. Ako m\u00f4\u017eete svoje auto poisti\u0165 v\u00fdhodnej\u0161ie?\u00a0<\/b><\/p>\n<h2><span style=\"color: #ec8124;\"><b>\u010co je to PZP<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\">Povinn\u00e9 zmluvn\u00e9 poistenie<\/a>, zn\u00e1me aj ako PZP, je poistenie zodpovednosti za \u0161kodu, ktor\u00fa <strong>m\u00f4\u017eete sp\u00f4sobi\u0165 va\u0161im motorov\u00fdm vozidlom niekomu in\u00e9mu<\/strong>, \u010di\u017ee tretej strane. Uzatvorenie poistenia je povinn\u00e9 zo z\u00e1kona \u010d. 381\/2001 Z.z. Ten presne \u0161pecifikuje, kto je povinn\u00fd uzatvori\u0165 si PZP, \u00fazemn\u00fd rozsah poistenia, minim\u00e1lne poistn\u00e9 sumy a podobne.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Keby ste PZP nemali, hroz\u00ed v\u00e1m pokuta a\u017e do 3 320 eur a z\u00e1rove\u0148 by ste pri po\u0161koden\u00ed auta niekomu in\u00e9mu museli plati\u0165 \u0161kodu z vlastn\u00e9ho vrecka. T\u00e1 by sa mohla vy\u0161plha\u0165 aj do v\u00fd\u0161ky nieko\u013eko desiatok tis\u00edc eur.\u00a0\u00a0<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Pre\u010do skontrolova\u0165 star\u0161ie PZP<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pri kontrole PZP <strong>m\u00f4\u017eete <a href=\"https:\/\/www.fingo.sk\/blog\/kde-sa-da-v-zlych-casoch-usetrit\/\">u\u0161etri\u0165<\/a> aj desiatky eur alebo za t\u00fa ist\u00fa sumu z\u00edska\u0165 viac.\u00a0<\/strong><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Mnoh\u00e9 pois\u0165ovne d\u00e1vaj\u00fa vy\u0161\u0161ie z\u013eavy svojim klientom na prv\u00fd rok poistenia a <strong>po roku im poistn\u00e9 bu\u010f zv\u00fd\u0161ia<\/strong> alebo zachovaj\u00fa v\u00fd\u0161ku poistn\u00e9ho, aj ke\u010f nov\u00fd klient s rovnak\u00fdmi parametrami by u nich mohol ma\u0165 ni\u017e\u0161ie poistn\u00e9 kv\u00f4li aktu\u00e1lnym z\u013eav\u00e1m.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pois\u0165ovne aj v r\u00e1mci PZP <strong>roz\u0161iruj\u00fa svoje slu\u017eby, rozsah krytia, pripoisten\u00ed \u010di asisten\u010dn\u00e9 slu\u017eby.\u00a0<\/strong><\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Preto by bola \u0161koda keby ste si platili star\u00fa poistku a <strong>pri\u0161li tak o v\u00fdhodnej\u0161ie podmienky.\u00a0<\/strong><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Ak sa obr\u00e1tite na <strong>finan\u010dn\u00e9ho sprostredkovate\u013ea z FinGO.sk<\/strong>, pri kontrole va\u0161ej zmluvy v\u00e1m <a href=\"https:\/\/www.fingo.sk\/blog\/preco-mat-financneho-sprostredkovatela\/\">bezplatne porad\u00ed<\/a>, ak\u00e9 s\u00fa aktu\u00e1lne mo\u017enosti PZP na trhu. Ak n\u00e1jdete pre v\u00e1s v\u00fdhodnej\u0161ie podmienky, pom\u00f4\u017ee va\u0161u zmluvu upravi\u0165 alebo uzatvori\u0165 nov\u00fa.\u00a0Zavolajte n\u00e1m do FinGO.sk na<span style=\"color: #ec8124;\"><b> 0800 60 10 60<\/b><\/span> alebo n\u00e1m zanechajte kontakt a my sa v\u00e1m ozveme.<\/span><\/p>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o1\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/2382#wpcf7-f2236-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n<h2><span style=\"color: #ec8124;\"><b>\u010co si viete pripoisti\u0165<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.fingo.sk\/blog\/nezivotne-poistenie-rozhodne-nepodcenujte\/\">Pri poisten\u00ed majetku<\/a> by v\u00e1s nemala zauj\u00edma\u0165 len cena, ale aj rozsah krytia. V posledn\u00fdch rokoch v\u00e4\u010d\u0161ina pois\u0165ovn\u00ed umo\u017enila svojim klientom <\/span>pripoisti\u0165 si k PZP aj vybran\u00e9<b> \u0161kody, ktor\u00e9 sa m\u00f4\u017eu sta\u0165 na ich vlastnom aute<\/b><span style=\"font-weight: 400;\">. Ide napr\u00edklad o \u0161kody na skle, ale aj \u0161kody sp\u00f4soben\u00e9 \u017eivlami (napr\u00edklad kr\u00fapy) \u010di stret so zverou a podobne.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Je viacero druhov pripoisten\u00ed, ktor\u00e9 si m\u00f4\u017eete uzatvori\u0165 k svojmu PZP a medzi <strong>naj\u010dastej\u0161ie vyu\u017e\u00edvan\u00e9 pripoistenia<\/strong> patria:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pripoistenie \u010deln\u00e9ho skla<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pripoistenie \u017eiveln\u00fdch udalost\u00ed<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pripoistenie stretu so zverou<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u00darazov\u00e9 pripoistenie<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Roz\u0161\u00edren\u00e9 asisten\u010dn\u00e9 slu\u017eby<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Okrem toho svoje auto viete poisti\u0165 aj na \u0161kody sp\u00f4soben\u00e9 v\u00fdtlkmi na ceste alebo \u0161kody vzniknut\u00e9 na prev\u00e1\u017eanej bato\u017eine. Rovnako si viete pripoisti\u0165 ukradnutie vozidla, tot\u00e1lnu \u0161kodu na vozidle a mnoho \u010fal\u0161\u00edch.<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-461\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/09\/shutterstock_134525291.jpg\" alt=\"Prasknut\u00e9 \u010deln\u00e9 sklo a PZP\" width=\"500\" height=\"333\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/09\/shutterstock_134525291.jpg 1125w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/09\/shutterstock_134525291-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/09\/shutterstock_134525291-768x512.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/09\/shutterstock_134525291-1024x683.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/09\/shutterstock_134525291-1080x720.jpg 1080w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Pripoistenie \u010deln\u00e9ho skla sa oplat\u00ed<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">K naj\u010dastej\u0161\u00edm \u0161kod\u00e1m, ktor\u00e9 s\u00fa no\u010dnou morou vodi\u010dov, ur\u010dite patr\u00ed <a href=\"https:\/\/www.fingo.sk\/blog\/prasknute-celne-sklo-na-pzp-sa-nespoliehajte\/\">prasknut\u00e9 \u010deln\u00e9 sklo<\/a>. \u0160koda od kame\u0148a odleten\u00e9ho spod kolies vozidla m\u00e1 by\u0165 <\/span><b>hraden\u00e1 z PZP vinn\u00edka, <\/b><span style=\"font-weight: 400;\">len\u017ee ak sa v\u00e1m tak\u00e1to \u0161koda stane, mus\u00edte ozna\u010di\u0165 vinn\u00edka, ktor\u00fd v\u00e1m po\u0161kodenie \u010deln\u00e9ho skla sp\u00f4sobi.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pois\u0165ov\u0148a od v\u00e1s bude<\/span><b> vy\u017eadova\u0165 aj d\u00f4kaz<\/b><span style=\"font-weight: 400;\">, \u017ee \u0161koda vznikla tak ako ju opisujete, napr\u00edklad videoz\u00e1znam. A to je v\u00e4\u010d\u0161inou probl\u00e9m.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Po\u010das \u0161of\u00e9rovania toti\u017e <\/span><b>nem\u00e1te \u0161ancu zaevidova\u0165<\/b><span style=\"font-weight: 400;\">, spod ktor\u00e9ho kolesa kame\u0148 odletel. Tak\u017ee ak nem\u00e1te video nahr\u00e1vku, <\/span>je <b>n\u00e1ro\u010dn\u00e9 dok\u00e1za\u0165 niekomu vinu<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pois\u0165ovne preto priniesli samostatn\u00e9 produkty na poistenie \u010deln\u00e9ho skla a nesk\u00f4r niektor\u00e9 zaviedli aj mo\u017enos\u0165 <\/span><b>pripoisti\u0165 si \u0161kody na svojich skl\u00e1ch k svojmu PZP.\u00a0<\/b><\/li>\n<li style=\"font-weight: 400;\"><b>Nemus\u00edte si tak u\u017e uzatv\u00e1ra\u0165 havarijn\u00e9 poistenie<\/b><span style=\"font-weight: 400;\">, aby ste boli chr\u00e1nen\u00fd vo\u010di takejto \u0161kode.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Bez h\u013eadania vinn\u00edka a n\u00e1sledn\u00e9ho n\u00e1ro\u010dn\u00e9ho dokazovania v\u00e1s PZP s pripoisten\u00edm \u010deln\u00e9ho skla bude<\/span><b> ro\u010dne st\u00e1\u0165 o zop\u00e1r desiatok eur viac<\/b><span style=\"font-weight: 400;\">, ale st\u00e1le to bude<\/span><b> lacnej\u0161ie ako havarijn\u00e9 poistenie.\u00a0\u00a0<\/b><\/li>\n<li style=\"font-weight: 400;\"><b>V\u00fd\u0161ka ro\u010dn\u00e9ho poistn\u00e9ho za toto pripoistenie<\/b><span style=\"font-weight: 400;\"> je v porovnan\u00ed so sumou, ktor\u00fa zaplat\u00edte za v\u00fdmenu \u010deln\u00e9ho skla na aute v\u00fdrazne ni\u017e\u0161ia. M\u00f4\u017ee sa pohybova\u0165 na \u00farovni 10 &#8211; 20 % z hodnoty \u010deln\u00e9ho skla.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #ec8124;\"><b>Pr\u00edklad:<\/b><\/span><span style=\"font-weight: 400;\"> K\u00fdm za havarijn\u00e9 poistenie zaplat\u00edte nieko\u013eko stoviek eur ro\u010dne, pripoistenie \u010deln\u00e9ho skla <strong>na sumu do 500 \u20ac<\/strong> (\u010do je pri v\u00e4\u010d\u0161ine be\u017en\u00fdch \u00e1ut dostato\u010dn\u00fd limit) v\u00e1s m\u00f4\u017ee st\u00e1\u0165 pribli\u017ene<strong> 60 \u20ac za rok<\/strong> a nemus\u00edte nah\u00e1\u0148a\u0165 vinn\u00edka ani dokazova\u0165 pois\u0165ovni, kto v\u00e1m \u0161kodu sp\u00f4sobil.\u00a0<\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">Pripoistenie \u010deln\u00e9ho skla je naj\u010dastej\u0161ie vyu\u017e\u00edvan\u00e9 pripoistenie k PZP. Ale pripoisti\u0165 si toto riziko v r\u00e1mci PZP m\u00f4\u017eete iba v tej istej pois\u0165ovni, v ktorej m\u00e1te uzatvoren\u00e9 z\u00e1kladn\u00e9 PZP a ktor\u00e1 m\u00e1 toto pripoistenia v ponuke. Podmienkou je len fotodokument\u00e1cia pri vstupe do poistenia, \u017ee sklo je nepo\u0161koden\u00e9.<\/span><\/p><\/blockquote>\n<h2><span style=\"color: #ec8124;\"><b>Ako \u010dasto m\u00f4\u017eete zmeni\u0165 PZP\u00a0<\/b><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Prehodnoti\u0165 svoje PZP m\u00f4\u017eete v\u017edy <a href=\"https:\/\/www.fingo.sk\/pzp-strazca\">k v\u00fdro\u010diu va\u0161ej zmluvy<\/a>, teda <\/span><b>raz ro\u010dne.\u00a0<\/b><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak by ste chceli <\/span><b>zmluvu vypoveda\u0165<\/b><span style=\"font-weight: 400;\">, mus\u00edte tak urobi\u0165 najnesk\u00f4r<\/span><b> 6 t\u00fd\u017ed\u0148ov pred jej v\u00fdro\u010d\u00edm,<\/b><span style=\"font-weight: 400;\"> v\u00fdpove\u010f v tomto \u010dase u\u017e mus\u00ed by\u0165 zaregistrovan\u00e1 v pois\u0165ovni.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #ec8124;\"><b>TIP: <\/b><\/span><span style=\"font-weight: 400;\">V\u00fdro\u010die je d\u00e1tum (de\u0148 a mesiac), kedy va\u0161a zmluva nadobudla platnos\u0165. Je to v\u017edy rovnak\u00fd de\u0148 v ka\u017edom roku. Napr. ak ste si uzatvorili zmluvu so za\u010diatkom 1.7.2019, tak \u010fal\u0161ie v\u00fdro\u010die na va\u0161ej zmluve je 1.7.2020.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak by ste chceli prehodnoti\u0165 svoje PZP v pois\u0165ovni, kde zmluvu m\u00e1te uzavret\u00fa, je to <\/span><b>na individu\u00e1lnej dohode <\/b><span style=\"font-weight: 400;\">medzi vami a va\u0161ou pois\u0165ov\u0148ou.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Ak v\u00e1m va\u0161a pois\u0165ov\u0148a vyjde v \u00fastrety<\/b><span style=\"font-weight: 400;\">, podmienky zmluvy v\u00e1m m\u00f4\u017ee upravi\u0165 aj po\u010das jej platnosti.<\/span><\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.fingo.sk\/pzp-strazca?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=strazca_gif\"><img decoding=\"async\" class=\"wp-image-4892 size-full aligncenter\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/12\/pzp_auta_fingo.gif\" alt=\"Fingo.sk PZP str\u00e1\u017eca\" width=\"1350\" height=\"738\" \/><\/a><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Nechajte si poradi\u0165, ni\u010d v\u00e1s to nestoj\u00ed\u00a0<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ka\u017ed\u00e9 poistenie by malo by\u0165 prisp\u00f4soben\u00e9 va\u0161im potreb\u00e1m a predstav\u00e1m. \u010ci u\u017e ide o PZP, ale aj in\u00e9 ne\u017eivotn\u00e9 poistenia, <\/span>FinGO.sk finan\u010dn\u00ed sprostredkovatelia va\u0161e aktu\u00e1lne zmluvy<b> skontroluj\u00fa <a href=\"https:\/\/www.fingo.sk\/zastarale-zmluvy\">bezplatne<\/a>. <\/b><span style=\"font-weight: 400;\">Sami sa potom rozhodnete, \u010di ostanete vo va\u0161ej pois\u0165ovni alebo svoju poistku zru\u0161\u00edte a uzatvor\u00edte nov\u00fa u konkurencie. V\u017edy to z\u00e1vis\u00ed od aktu\u00e1lnej ponuky na trhu a od va\u0161ich preferenci\u00ed.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">D\u00f4le\u017eit\u00e9 je poprosi\u0165 o pomoc <strong>finan\u010dn\u00e9ho odborn\u00edka, ktor\u00fd m\u00e1 preh\u013ead o celom trhu<\/strong>, a odhodla\u0165 sa k tomuto kroku \u010d\u00edm sk\u00f4r. Nepla\u0165te si poistenie, ktor\u00e9 v\u00e1m nevyhovuje, re\u00e1lne nepom\u00f4\u017ee, je zbyto\u010dne drah\u00e9 alebo nev\u00fdhodn\u00e9 z mnoh\u00fdch in\u00fdch d\u00f4vodov. Kontrola a pr\u00edpadn\u00e1 zmena poistenia v\u00e1s ni\u010d nestoj\u00ed, pritom \u0148ou m\u00f4\u017eete z\u00edska\u0165 ove\u013ea viac.<\/span><\/p>\n<p>Zavolajte n\u00e1m do FinGO.sk<span style=\"font-weight: 400;\"> na <a href=\"tel:0800601060\"><strong>0800 60 10 60<\/strong><\/a>\u00a0alebo n\u00e1m zanechajte kontakt<strong> vo formul\u00e1ri ni\u017e\u0161ie<\/strong> a my sa v\u00e1m ozveme.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><span style=\"color: #333333;\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o2\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/2382#wpcf7-f2236-o2\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o2\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Povinn\u00e9mu zmluvn\u00e9mu poisteniu \u013eudia \u010dasto nevenuj\u00fa zv\u00fd\u0161en\u00fa pozornos\u0165. K\u00fapia si auto, uzatvoria poistku, ka\u017ed\u00fd rok zaplatia \u0161ek od pois\u0165ovne a k\u00fdm sa im nestane poistn\u00e1 udalos\u0165 \u010di nek\u00fapia nov\u00e9 auto, svoju poistku \u201cnerie\u0161ia\u201d. Pravideln\u00e1 kontrola zml\u00fav je v\u0161ak d\u00f4le\u017eit\u00e1, a to \u010di ide o poistenie auta, b\u00fdvania \u010di o \u017eivotn\u00e9 poistenie. Rovnako to plat\u00ed aj pre va\u0161e star\u0161ie PZP. Ako m\u00f4\u017eete svoje auto poisti\u0165 v\u00fdhodnej\u0161ie?\u00a0 \u010co je to PZP Povinn\u00e9 zmluvn\u00e9 poistenie, zn\u00e1me aj ako PZP, je poistenie zodpovednosti za \u0161kodu, ktor\u00fa m\u00f4\u017eete sp\u00f4sobi\u0165 va\u0161im motorov\u00fdm vozidlom niekomu in\u00e9mu, \u010di\u017ee tretej strane. Uzatvorenie poistenia je povinn\u00e9 zo z\u00e1kona \u010d. 381\/2001 Z.z. Ten presne \u0161pecifikuje, kto je povinn\u00fd uzatvori\u0165 si PZP, \u00fazemn\u00fd rozsah poistenia, minim\u00e1lne poistn\u00e9 sumy a podobne. Keby ste PZP nemali, hroz\u00ed v\u00e1m pokuta a\u017e do 3 320 eur a z\u00e1rove\u0148 by ste pri po\u0161koden\u00ed auta niekomu in\u00e9mu museli plati\u0165 \u0161kodu z vlastn\u00e9ho vrecka. T\u00e1 by sa mohla vy\u0161plha\u0165 aj do v\u00fd\u0161ky nieko\u013eko desiatok tis\u00edc eur.\u00a0\u00a0 Pre\u010do skontrolova\u0165 star\u0161ie PZP Pri kontrole PZP m\u00f4\u017eete u\u0161etri\u0165 aj desiatky eur alebo za t\u00fa ist\u00fa sumu z\u00edska\u0165 viac.\u00a0 Mnoh\u00e9 pois\u0165ovne d\u00e1vaj\u00fa vy\u0161\u0161ie z\u013eavy svojim klientom na prv\u00fd rok poistenia a po roku im poistn\u00e9 bu\u010f zv\u00fd\u0161ia alebo zachovaj\u00fa v\u00fd\u0161ku poistn\u00e9ho, aj ke\u010f [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":2388,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[75,208],"tags":[161,76,155],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Najv\u00fdhodnej\u0161ie PZP - ako ho z\u00edska\u0165? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Povinn\u00e9 zmluvn\u00e9 poistenie netreba podce\u0148ova\u0165. Viete, \u017ee star\u0161ie zmluvy m\u00f4\u017eu by\u0165 u\u017e d\u00e1vno nev\u00fdhodn\u00e9? Porad\u00edme v\u00e1m, \u010di sa to t\u00fdka aj v\u00fd\u0161ho PZP.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.sk\/blog\/najvyhodnejsie-pzp\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Najv\u00fdhodnej\u0161ie PZP - ako ho z\u00edska\u0165? - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Povinn\u00e9 zmluvn\u00e9 poistenie netreba podce\u0148ova\u0165. Viete, \u017ee star\u0161ie zmluvy m\u00f4\u017eu by\u0165 u\u017e d\u00e1vno nev\u00fdhodn\u00e9? 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