{"id":3517,"date":"2021-05-20T13:48:48","date_gmt":"2021-05-20T11:48:48","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=3517"},"modified":"2023-01-30T14:55:27","modified_gmt":"2023-01-30T13:55:27","slug":"pzp-porovnanie","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/pzp-porovnanie\/","title":{"rendered":"PZP porovnanie: \u010co ovplyv\u0148uje cenu v\u00e1\u0161ho poistenia a ako m\u00f4\u017eete plati\u0165 menej"},"content":{"rendered":"<p><strong>Ro\u010dn\u00e9 PZP za to ist\u00e9 auto m\u00f4\u017ee st\u00e1\u0165 Bratislav\u010dana aj o 70 eur viac ako \u0161of\u00e9ra z Ke\u017emarku \u010di z Ve\u013ek\u00fdch Kapu\u0161ian. Rozdiely v poistnom medzi \u0161kodov\u00fdmi a ne\u0161kodov\u00fdmi klientmi pritom m\u00f4\u017eu by\u0165 len vo v\u00fd\u0161ke p\u00e1r eur. Pre\u010do sa \u0161of\u00e9rom oplat\u00ed prehodnoti\u0165 aj star\u0161ie poistn\u00e9 zmluvy a s k\u00fdm sa poradi\u0165?\u00a0<\/strong><\/p>\n<p><strong>Ceny <a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\">povinn\u00e9ho zmluvn\u00e9ho poistenia<\/a><\/strong>\u00a0(PZP) na Slovensku v posledn\u00fdch rokoch <strong>rast\u00fa.<\/strong> Ka\u017ed\u00e1 pois\u0165ov\u0148a si pritom tvor\u00ed vlastn\u00e9 cenn\u00edky a <strong>ve\u013ek\u00e9 rozdiely<\/strong> v poistnom vznikaj\u00fa nielen medzi r\u00f4znymi modelmi motorov\u00fdch vozidiel, ale aj <strong>medzi lokalitami<\/strong>, kde maj\u00fa dr\u017eitelia vozidiel trval\u00e9 bydlisko.<\/p>\n<p>Napr\u00edklad za typick\u00e9 rodinn\u00e9 auto <strong>Volkswagen Passat 1,5 TSI<\/strong> m\u00f4\u017ee zaplati\u0165 klient z Bratislavy ro\u010dn\u00e9 PZP 119 eur, ale vodi\u010d z men\u0161ieho okresn\u00e9ho mesta Ke\u017emarok len 103 eur a \u0161of\u00e9r z Ve\u013ek\u00fdch Kapu\u0161ian 90 eur. Pri drah\u0161om <strong>BMW X5 XDRIVE<\/strong> 30D sa rozdiel v cene poistn\u00e9ho vy\u0161plh\u00e1 takmer na 70 eur.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-3523 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/Porovnanie-cien-PZP.png\" alt=\"PZP porovnanie Fingo\" width=\"3453\" height=\"1813\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/Porovnanie-cien-PZP.png 3453w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/Porovnanie-cien-PZP-300x158.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/Porovnanie-cien-PZP-768x403.png 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/Porovnanie-cien-PZP-1024x538.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/Porovnanie-cien-PZP-1080x567.png 1080w\" sizes=\"(max-width: 3453px) 100vw, 3453px\" \/><\/p>\n<p><em>\u201ePri v\u00fdpo\u010dte v\u00fd\u0161ky poistn\u00e9ho zoh\u013ead\u0148uj\u00fa pois\u0165ovne <strong>viacero parametrov<\/strong> a k t\u00fdmto parametrom prira\u010fuj\u00fa r\u00f4zne sadzby a koeficienty zliav. Ka\u017ed\u00e1 pois\u0165ov\u0148a m\u00e1 vlastn\u00fd k\u013e\u00fa\u010d na <strong>segment\u00e1ciu klientov<\/strong>. Niektor\u00e9 stanovuj\u00fa vy\u0161\u0161ie ceny pre rizikovej\u0161ie modely vozidiel, in\u00e9 pre rizikovej\u0161ie lokality alebo pre klientov s vy\u0161\u0161ou \u0161kodovos\u0165ou,\u201d <\/em>vysvet\u013euje riadite\u013e pre ne\u017eivotn\u00e9 poistenie vo FinGO.sk \u0160tefan Fajno<em>r.\u00a0<\/em><\/p>\n<ul>\n<li>v\u00e4\u010d\u0161ina pois\u0165ovn\u00ed v posledn\u00fdch rokoch za\u010dala <strong>podrobnej\u0161ie segmentova\u0165 klientov<\/strong> na \u0161kodov\u00fdch, rizikov\u00fdch, menej rizikov\u00fdch a ne\u0161kodov\u00fdch<\/li>\n<li>v pois\u0165ovniach preto vznikaj\u00fa<strong> v\u00e4\u010d\u0161ie rozdiely<\/strong> vo v\u00fd\u0161ke poistn\u00e9ho pre jednotliv\u00e9 skupiny klientov a taktie\u017e mo\u017eno pozorova\u0165 postupn\u00e9 <strong>zvy\u0161ovanie cien PZP<\/strong><\/li>\n<li>preto je najlep\u0161ie poradi\u0165 sa pri v\u00fdbere poistenia <a href=\"https:\/\/www.fingo.sk\/kontakty\"><strong>s odborn\u00edkom<\/strong><\/a>, ktor\u00fd v\u00e1m vie nez\u00e1visle porovna\u0165, v ktorej pois\u0165ovni m\u00f4\u017eete z\u00edska\u0165 <strong>v\u00fdhodnej\u0161ie podmienky<\/strong><\/li>\n<\/ul>\n<h2><span style=\"color: #ec8124;\">\u010co v\u0161etko ovplyv\u0148uje cenu PZP<\/span><\/h2>\n<p>Cenu PZP ovplyv\u0148uje aj vek dr\u017eite\u013ea vozidla a ke\u010f\u017ee <strong>mlad\u0161\u00ed nesk\u00fasen\u00ed \u0161of\u00e9ri<\/strong> s\u00fa pre pois\u0165ovne rizikovej\u0161\u00ed, maj\u00fa aj <strong>drah\u0161ie poistky<\/strong>. Naopak, ni\u017e\u0161ie poistn\u00e9 kedysi platili \u017eeny, ktor\u00e9 pod\u013ea \u0161tatist\u00edk sp\u00f4sobovali menej neh\u00f4d. Eur\u00f3psky s\u00fadny dvor v\u0161ak pred 8 rokmi kv\u00f4li diskrimin\u00e1cii nariadil, \u017ee \u017eeny a mu\u017ei maj\u00fa plati\u0165 rovnako.<\/p>\n<p>Faktorov, ktor\u00e9 vstupuj\u00fa do v\u00fdpo\u010dtu ceny poistn\u00e9ho PZP je ve\u013ea a v pois\u0165ovniach maj\u00fa r\u00f4znu v\u00e1hu.<strong> Hlavn\u00fa rolu<\/strong> zohr\u00e1vaj\u00fa tieto parametre:<\/p>\n<h3><span style=\"color: #ec8124;\">\u00dadaje o vozidle<\/span><\/h3>\n<ul>\n<li>druh vozidla, teda \u010di ide o vozidlo osobn\u00e9, n\u00e1kladn\u00e9 do 3,5 tony, motocykel, n\u00e1kladn\u00e9 nad 3,5 tony, pracovn\u00fd stroj s E\u010cV, pracovn\u00fd stroj bez E\u010cV, autobus a podobne<\/li>\n<li>vek vozidla, zna\u010dka, model, v\u00fdkon, objem motora, druh paliva, maxim\u00e1lna pr\u00edpustn\u00e1 hmotnos\u0165, po\u010det miest na sedenie<\/li>\n<li>vyu\u017eitie vozidla (be\u017en\u00e9 vyu\u017eitie, auto\u0161kola, taxi, vozidlo s pr\u00e1vom prednostnej jazdy at\u010f.)<\/li>\n<li>\u010di je vozidlo kupovan\u00e9 \u0161tandardne alebo na leasing<\/li>\n<li>pr\u00edpadn\u00e1 bezpe\u010dnostn\u00e1 v\u00fdbava (syst\u00e9m n\u00fadzov\u00e9ho brzdenia, parkovacie senzory)<\/li>\n<\/ul>\n<h3><span style=\"color: #ec8124;\">\u00dadaje o dr\u017eite\u013eovi vozidla, zap\u00edsanom v technickom preukaze<\/span><\/h3>\n<ul>\n<li>\u010di ide o fyzick\u00fa osobu alebo o podnikate\u013ea<\/li>\n<li>vek fyzickej osoby<\/li>\n<li>adresa trval\u00e9ho bydliska alebo s\u00eddlo firmy<\/li>\n<li>historick\u00e1 \u0161kodovos\u0165 dr\u017eite\u013ea vozidla<\/li>\n<\/ul>\n<h3><span style=\"color: #ec8124;\">Mo\u017en\u00e9 z\u013eavy<\/span><\/h3>\n<ul>\n<li>pre dr\u017eite\u013eov vozidla s preukazom \u0164ZP alebo d\u00f4chodcov nad 65 rokov<\/li>\n<li>pre klientov, ktor\u00ed maj\u00fa die\u0165a vo veku do 15 rokov<\/li>\n<li>pre klientov, ktor\u00ed s\u00fahlasia s elektronickou formou komunik\u00e1cie s pois\u0165ov\u0148ou<\/li>\n<li>pre klientov s \u010fal\u0161ou existuj\u00facou zmluvou poistenia<\/li>\n<li>m\u00f4\u017eete z\u00edska\u0165 aj r\u00f4zne in\u00e9 z\u013eavy v z\u00e1vislosti od konkr\u00e9tnej pois\u0165ovne<\/li>\n<\/ul>\n<h2><span style=\"color: #ec8124;\">\u0160kodov\u00ed a ne\u0161kodov\u00ed klienti<\/span><\/h2>\n<p>V\u00e4\u010d\u0161ie rozdiely v cen\u00e1ch by mali by\u0165 medzi \u0161kodov\u00fdmi a ne\u0161kodov\u00fdmi klientmi, ke\u010f\u017ee pois\u0165ovne musia zo z\u00e1kona uplat\u0148ova\u0165<strong> tzv. syst\u00e9m bonus a malus<\/strong>. Ako v\u0161ak ukazuje pr\u00edklad porovnania cien PZP, ne\u0161kodov\u00e9ho klienta stoj\u00ed ro\u010dn\u00e9 poistn\u00e9 len o p\u00e1r eur menej. Napr\u00edklad za \u0160kodu Fabiu 1,0 MPI zaplat\u00ed ne\u0161kodov\u00fd vodi\u010d z Ke\u017emarku len o 7 eur menej ako klient, ktor\u00fd za 3 roky sp\u00f4sobil 2 nehody.<\/p>\n<p><em>\u201eBonus a malus znamen\u00e1, \u017ee pois\u0165ovne maj\u00fa pri ur\u010dovan\u00ed poistn\u00e9ho zoh\u013ead\u0148ova\u0165 predch\u00e1dzaj\u00faci \u0161kodov\u00fd priebeh, a to z\u013eavou pre ne\u0161kodov\u00fdch klientov alebo prir\u00e1\u017ekou, ak klient sp\u00f4sobil nehodu. Medzi pois\u0165ov\u0148ami je v\u0161ak st\u00e1le <strong>ve\u013ek\u00fd nes\u00falad<\/strong> v aplik\u00e1cii vstupn\u00fdch bonusov aj malusov po \u0161kodovej udalosti,\u201d <\/em>hovor\u00ed odborn\u00edk.<\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" class=\"alignnone size-medium wp-image-1665\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/11\/poistna-udalost-300x200.jpg\" alt=\"PZP\" width=\"300\" height=\"200\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/11\/poistna-udalost-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/11\/poistna-udalost-768x512.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/11\/poistna-udalost-1024x683.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/11\/poistna-udalost-1080x721.jpg 1080w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/11\/poistna-udalost.jpg 1731w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>\u010eal\u0161\u00edm probl\u00e9mom je, \u017ee za \u0161kodov\u00e9ho sa berie dr\u017eite\u013e vozidla zap\u00edsan\u00fd v technickom preukaze, \u010do nemus\u00ed by\u0165 v\u017edy rovnak\u00e1 osoba ako vodi\u010d vozidla, ktor\u00fd sp\u00f4sobil \u0161kodov\u00fa udalos\u0165. Tak\u017ee pois\u0165ovne uplat\u0148uj\u00fa syst\u00e9m bonus a malus, ale z\u00e1rove\u0148 <strong>m\u00f4\u017eu zmeni\u0165 aj sadzby,<\/strong> pod\u013ea ktor\u00fdch po\u010d\u00edtaj\u00fa v\u00fd\u0161ku poistn\u00e9ho pre nov\u00fdch alebo existuj\u00facich klientov.<\/p>\n<blockquote><p>V praxi to m\u00f4\u017ee znamena\u0165, \u017ee aj ke\u010f ste nesp\u00f4sobili \u017eiadnu nehodu, tak poistn\u00e9 na nasleduj\u00face obdobie m\u00f4\u017eete ma\u0165 vy\u0161\u0161ie ako v predch\u00e1dzaj\u00facom roku, lebo pois\u0165ov\u0148a zdvihla sadzby.<\/p><\/blockquote>\n<p>Taktie\u017e sa m\u00f4\u017ee sta\u0165, \u017ee aj ke\u010f klient sp\u00f4sobil nehodu, tak mu pois\u0165ov\u0148a v\u00fd\u0161ku poistn\u00e9ho nezmen\u00ed alebo sa v konkuren\u010dnej pois\u0165ovni dok\u00e1\u017ee poisti\u0165 lacnej\u0161ie.<\/p>\n<h2><span style=\"color: #ec8124;\">Naj\u010dastej\u0161ia chyba? Automaticky zaplat\u00edte \u0161ek\u00a0<\/span><\/h2>\n<p>Mno\u017estvo \u013eud\u00ed ka\u017ed\u00fd rok opakuje t\u00fa ist\u00fa chybu, a s\u00edce, \u017ee automaticky zaplatia \u0161ek od svojej pois\u0165ovne bez toho, aby sa zauj\u00edmali o <a href=\"https:\/\/www.fingo.sk\/blog\/najvyhodnejsie-pzp\/\"><strong>v\u00fdhodnos\u0165 svojho PZP<\/strong><\/a>. Pritom pois\u0165ovne ceny aj podmienky poistenia priebe\u017ene upravuj\u00fa, preto by ten ist\u00fd klient mohol pokojne z\u00edska\u0165 v inej pois\u0165ovni aj <strong>o 50 \u010di 100 \u20ac lacnej\u0161ie<\/strong> PZP alebo atrakt\u00edvnej\u0161ie krytie.<\/p>\n<p>\u201e<em>Pois\u0165ovne sadzobn\u00edky poistn\u00e9ho upravuj\u00fa naj\u010dastej\u0161ie smerom nahor, tak\u017ee PZP sa klientom <strong>rokmi zvy\u0161uje<\/strong>. Kv\u00f4li segment\u00e1cii klientov s\u00fa rozdiely medzi pois\u0165ov\u0148ami ve\u013emi ve\u013ek\u00e9 a rozdiel vo v\u00fd\u0161ke ro\u010dn\u00e9ho poistn\u00e9ho pre rovnak\u00e9ho klienta m\u00f4\u017ee by\u0165 <strong>100 eur ro\u010dne, ale aj viac<\/strong>,&#8220; rad\u00ed \u0160tefan Fajnor.<\/em><\/p>\n<ul>\n<li>Cena v\u0161ak nie je jedin\u00fdm rozhoduj\u00facim faktorom, \u010fal\u0161ie rozdiely s\u00fa v poistnom<strong> kryt\u00ed, v pripoisteniach \u010di asisten\u010dn\u00fdch slu\u017eb\u00e1ch.<\/strong><\/li>\n<li>Preto si nechajte porovna\u0165 aktu\u00e1lne ponuky poistenia naprie\u010d cel\u00fdm poistn\u00fdm trhom.<\/li>\n<li>M\u00f4\u017eete vyu\u017ei\u0165 aj praktick\u00e9<a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\"> online porovn\u00e1va\u010de<\/a>, pri ktor\u00fdch v\u00e1m odborn\u00edk na telef\u00f3ne <strong>pom\u00f4\u017ee s vyplnen\u00edm a uzavret\u00edm<\/strong> zmluvy.<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=pzp_gif\"><img decoding=\"async\" class=\"alignnone wp-image-4893 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/12\/pzp_auta_fingo-1.gif\" alt=\"Fingo.sk PZP porovn\u00e1va\u010d\" width=\"1350\" height=\"738\" \/><\/a><\/p>\n<h2><span style=\"color: #ec8124;\">Ako vypoveda\u0165 nev\u00fdhodn\u00e9 PZP<\/span><\/h2>\n<p>Zmluvu PZP m\u00f4\u017eete vypoveda\u0165 <strong>1-kr\u00e1t ro\u010dne<\/strong> a v\u00fdpove\u010f mus\u00edte pois\u0165ovni doru\u010di\u0165 <strong>najnesk\u00f4r 6 t\u00fd\u017ed\u0148ov<\/strong> pred uplynut\u00edm poistn\u00e9ho obdobia. Preto si term\u00edn v\u00fdro\u010dia zmluvy treba dobre ustriehnu\u0165.<em>\u00a0<\/em><\/p>\n<p><span style=\"color: #ec8124;\"><strong>TIP:<\/strong><\/span> V s\u00fa\u010dasnosti u\u017e existuj\u00fa bezplatn\u00e9 aplik\u00e1cie na <a href=\"https:\/\/www.fingo.sk\/pzp-strazca\">str\u00e1\u017eenie PZP<\/a>, ktor\u00e9 klientov vopred upozornia na bl\u00ed\u017eiace sa v\u00fdro\u010die zmluvy.<\/p>\n<p>&#8222;<em>Vypovedanie PZP si vedia klienti v mnoh\u00fdch pois\u0165ovniach vybavi\u0165 aj online, ale st\u00e1le s\u00fa aj pois\u0165ovne, ktor\u00e9 \u017eiadaj\u00fa o doru\u010denie papierovej v\u00fdpovede. Nov\u00e9 PZP sa d\u00e1 v ka\u017edej pois\u0165ovni uzavrie\u0165 online, pri\u010dom dnes je u\u017e viac ako 95 % poisten\u00ed uzatv\u00e1ran\u00fdch cez <a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\">online kalkula\u010dky<\/a> sprostredkovate\u013eov alebo str\u00e1nky pois\u0165ovn\u00ed,\u201d<\/em> dod\u00e1va \u0160tefan Fajnor.<\/p>\n<p><strong>V\u00fdhodou<\/strong> uzatvorenia PZP cez makl\u00e9ra a jeho porovn\u00e1va\u010d je aj to, \u017ee finan\u010dn\u00fd sprostredkovate\u013e klientovi pom\u00f4\u017ee<strong> pri rie\u0161en\u00ed poistn\u00fdch udalost\u00ed<\/strong> a k zmluve mu poskytne aj servis. Klientovi m\u00f4\u017ee postr\u00e1\u017ei\u0165 aj jeho v\u00fdro\u010die zmluvy, tak\u017ee o rok nebude ukr\u00e1ten\u00fd o nov\u0161ie pripoistenia alebo in\u00e9 benefity, ktor\u00e9 m\u00f4\u017ee na PZP z\u00edska\u0165.<\/p>\n<h2><span style=\"color: #ec8124;\"><strong>Ako na v\u00fdhodn\u00e9 poistenie auta<\/strong><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Na\u0161i sk\u00fasen\u00ed makl\u00e9ri <a href=\"https:\/\/www.fingo.sk\/\"><strong>zo spolo\u010dnosti FinGO.sk<\/strong><\/a> maj\u00fa v\u00fdborn\u00fd preh\u013ead o aktu\u00e1lnych podmienkach a cen\u00e1ch <strong>v r\u00f4znych pois\u0165ovniach na trhu<\/strong>, vedia v\u00e1m objekt\u00edvne odporu\u010di\u0165 to najv\u00fdhodnej\u0161ie poistenie a ak budete chcie\u0165, zmenu PZP rovno vybavia za v\u00e1s.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Zavolajte n\u00e1m na <\/span><span style=\"color: #ec8124;\"><b>0800 60 10 60<\/b><\/span><span style=\"font-weight: 400;\"> alebo n\u00e1m <\/span><span style=\"color: #ec8124;\"><b>zanechajte kontakt<\/b><\/span><span style=\"font-weight: 400;\"> a na\u0161e call centrum v\u00e1s spoj\u00ed so sk\u00fasen\u00fdm odborn\u00edkom vo va\u0161om okol\u00ed. U\u0161etr\u00edme v\u00e1m \u010das, bezplatne v\u00e1m porad\u00edme a odporu\u010d\u00edme to najv\u00fdhodnej\u0161ie poistenie vhodn\u00e9 pr\u00e1ve pre va\u0161e auto \u010di motorku.<\/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\/3517#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","protected":false},"excerpt":{"rendered":"<p>Ro\u010dn\u00e9 PZP za to ist\u00e9 auto m\u00f4\u017ee st\u00e1\u0165 Bratislav\u010dana aj o 70 eur viac ako \u0161of\u00e9ra z Ke\u017emarku \u010di z Ve\u013ek\u00fdch Kapu\u0161ian. Rozdiely v poistnom medzi \u0161kodov\u00fdmi a ne\u0161kodov\u00fdmi klientmi pritom m\u00f4\u017eu by\u0165 len vo v\u00fd\u0161ke p\u00e1r eur. Pre\u010do sa \u0161of\u00e9rom oplat\u00ed prehodnoti\u0165 aj star\u0161ie poistn\u00e9 zmluvy a s k\u00fdm sa poradi\u0165?\u00a0 Ceny povinn\u00e9ho zmluvn\u00e9ho poistenia\u00a0(PZP) na Slovensku v posledn\u00fdch rokoch rast\u00fa. Ka\u017ed\u00e1 pois\u0165ov\u0148a si pritom tvor\u00ed vlastn\u00e9 cenn\u00edky a ve\u013ek\u00e9 rozdiely v poistnom vznikaj\u00fa nielen medzi r\u00f4znymi modelmi motorov\u00fdch vozidiel, ale aj medzi lokalitami, kde maj\u00fa dr\u017eitelia vozidiel trval\u00e9 bydlisko. Napr\u00edklad za typick\u00e9 rodinn\u00e9 auto Volkswagen Passat 1,5 TSI m\u00f4\u017ee zaplati\u0165 klient z Bratislavy ro\u010dn\u00e9 PZP 119 eur, ale vodi\u010d z men\u0161ieho okresn\u00e9ho mesta Ke\u017emarok len 103 eur a \u0161of\u00e9r z Ve\u013ek\u00fdch Kapu\u0161ian 90 eur. Pri drah\u0161om BMW X5 XDRIVE 30D sa rozdiel v cene poistn\u00e9ho vy\u0161plh\u00e1 takmer na 70 eur. \u201ePri v\u00fdpo\u010dte v\u00fd\u0161ky poistn\u00e9ho zoh\u013ead\u0148uj\u00fa pois\u0165ovne viacero parametrov a k t\u00fdmto parametrom prira\u010fuj\u00fa r\u00f4zne sadzby a koeficienty zliav. Ka\u017ed\u00e1 pois\u0165ov\u0148a m\u00e1 vlastn\u00fd k\u013e\u00fa\u010d na segment\u00e1ciu klientov. Niektor\u00e9 stanovuj\u00fa vy\u0161\u0161ie ceny pre rizikovej\u0161ie modely vozidiel, in\u00e9 pre rizikovej\u0161ie lokality alebo pre klientov s vy\u0161\u0161ou \u0161kodovos\u0165ou,\u201d vysvet\u013euje riadite\u013e pre ne\u017eivotn\u00e9 poistenie vo FinGO.sk \u0160tefan Fajnor.\u00a0 v\u00e4\u010d\u0161ina pois\u0165ovn\u00ed v posledn\u00fdch rokoch [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":3529,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,75,73,208],"tags":[161,204,155],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>PZP porovnanie: \u010co ovplyv\u0148uje cenu v\u00e1\u0161ho poistenia a ako m\u00f4\u017eete plati\u0165 menej - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Ceny povinn\u00e9ho zmluvn\u00e9ho poistenia rast\u00fa. 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