{"id":4651,"date":"2021-11-27T15:12:51","date_gmt":"2021-11-27T14:12:51","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=4651"},"modified":"2023-01-30T14:50:59","modified_gmt":"2023-01-30T13:50:59","slug":"vypoved-pzp-pomozeme-vam","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/vypoved-pzp-pomozeme-vam\/","title":{"rendered":"V\u00fdpove\u010f PZP &#8211; pom\u00f4\u017eeme v\u00e1m"},"content":{"rendered":"\n<p><strong>Povinn\u00e9 zmluvn\u00e9 poistenie (PZP) mus\u00ed ma\u0165 zo z\u00e1kona uzatvoren\u00e9 ka\u017ed\u00fd dr\u017eite\u013e motorov\u00e9ho vozidla. Podanie v\u00fdpovede PZP je jednoduch\u00e9, ale m\u00e1 svoje pravidl\u00e1 \u2013 jeho z\u00e1kladom je formul\u00e1r. Ak si s n\u00edm neviete rady, pom\u00f4\u017eeme v\u00e1m ho<a href=\"https:\/\/www.fingo.sk\/poistenie\/vypoved-poistnej-zmluvy\"> vyplni\u0165<\/a> alebo pre v\u00e1s n\u00e1jdeme to <a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\">najv\u00fdhodnej\u0161ie poistenie<\/a>.<\/strong><\/p>\n<p><strong>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/strong><\/p>\n<ul>\n<li>Kto m\u00f4\u017ee poda\u0165 v\u00fdpove\u010f PZP a ako ju ozn\u00e1mi\u0165 pois\u0165ovni<\/li>\n<li>Pri ak\u00fdch situ\u00e1ci\u00e1ch m\u00f4\u017eete poda\u0165 v\u00fdpove\u010f PZP<\/li>\n<li>\u010co v\u0161etko budete potrebova\u0165 k v\u00fdpovedi<\/li>\n<li>Kedy doch\u00e1dza k ukon\u010deniu va\u0161ej zmluvy<\/li>\n<li>Ako si r\u00fdchlej\u0161ie porovna\u0165 ceny PZP s <a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\">FinGO.sk<\/a><\/li>\n<\/ul>\n<h2><span style=\"color: #ec8124;\"><b>V\u00fdpove\u010f poistnej zmluvy <\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Lehota na vypovedanie poistnej zmluvy je <strong>najnesk\u00f4r 6 t\u00fd\u017ed\u0148ov<\/strong> pred koncom poistn\u00e9ho obdobia k tzv. v\u00fdro\u010diu zmluvy. Ak od pois\u0165ovne nedostanete ozn\u00e1menie o zmene poistn\u00e9ho najnesk\u00f4r 10 t\u00fd\u017ed\u0148ov pred v\u00fdro\u010d\u00edm, od 1. 1. 2019 m\u00f4\u017eete poistenie vypoveda\u0165 kedyko\u013evek pred za\u010diatkom nov\u00e9ho poistn\u00e9ho obdobia. Ak v\u00fdpove\u010f posielate po\u0161tou, <strong>mus\u00ed by\u0165 doru\u010den\u00e1<\/strong> najnesk\u00f4r v posledn\u00fd de\u0148 pred za\u010dat\u00edm plynutia \u0161es\u0165t\u00fd\u017ed\u0148ovej lehoty. Neprihliada sa teda na d\u00e1tum odoslania, ale prijatia v\u00fdpovede v pois\u0165ovni. <\/span><\/p>\n<blockquote>\n<p><span style=\"font-weight: 400;\">Napr\u00edklad ak bol d\u00e1tum za\u010diatku v\u00e1\u0161ho poistenia 1. 2. 2021, tak va\u0161u v\u00fdpove\u010f mus\u00ed pois\u0165ov\u0148a prija\u0165 najnesk\u00f4r 19. 12. 2021. V pr\u00edpade, \u017ee t\u00fato lehotu nestihnete, rad\u0161ej v\u00fdpove\u010f PZP vybavte osobne.<\/span><\/p>\n<\/blockquote>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Ak chcete, aby sme v\u00e1s v\u010das upozornili, \u017ee sa bl\u00ed\u017ei koniec v\u00fdro\u010dia v\u00e1\u0161ho PZP, kliknite <\/span><a href=\"https:\/\/www.fingo.sk\/pzp-strazca\"><span style=\"font-weight: 400;\">sem<\/span><\/a><span style=\"font-weight: 400;\">. Ni\u017e\u0161ie v \u010dl\u00e1nku n\u00e1jdete podrobne rozp\u00edsan\u00e9 v\u0161etky d\u00f4le\u017eit\u00e9 inform\u00e1cie, ktor\u00e9 sa e\u0161te oplat\u00ed vedie\u0165.<\/span><\/p>\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=\"alignnone wp-image-4892 size-full\" 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<p><span style=\"font-weight: 400;\">V pr\u00edpade, \u017ee formul\u00e1r v\u00fdpovede nem\u00e1te k dispoz\u00edcii, m\u00f4\u017eete ho<\/span><a href=\"https:\/\/www.fingo.sk\/poistenie\/vypoved-poistnej-zmluvy\"> <span style=\"font-weight: 400;\">vyp\u00edsa\u0165 online<\/span><\/a><span style=\"font-weight: 400;\">\u00a0a <strong>vygenerova\u0165<\/strong> na na\u0161ej str\u00e1nke. Vo v\u00fdpovedi PZP budete uv\u00e1dza\u0165 d\u00f4vod v\u00fdpovede, \u010d\u00edslo aktu\u00e1lnej poistnej zmluvy a n\u00e1zov pois\u0165ovne, va\u0161u \u0160PZ a osobn\u00e9 \u00fadaje.<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Kto m\u00f4\u017ee poda\u0165 v\u00fdpove\u010f PZP<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Len ten, <strong>kto zmluvu uzavrel<\/strong> ju m\u00f4\u017ee aj zru\u0161i\u0165. Mo\u017enos\u0165ou je aj not\u00e1rsky overen\u00e9 splnomocnenie. Ak je poistn\u00edkom vozidla <strong>pr\u00e1vnick\u00e1 osoba<\/strong>, v\u00fdpove\u010f m\u00f4\u017ee podp\u00edsa\u0165 zodpovedn\u00e1 osoba, ktor\u00e1 podpisovala poistn\u00fa zmluvu, osoba s plnou mocou, pr\u00edpadne \u010dlen \u0161tatut\u00e1rneho org\u00e1nu, \u010dasto konate\u013e.<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Ako m\u00f4\u017eete ozn\u00e1mi\u0165 v\u00fdpove\u010f poistnej zmluvy<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">V\u00fdpove\u010f m\u00f4\u017eete doru\u010di\u0165 <strong>osobne <\/strong>na pobo\u010dke pois\u0165ovne alebo <strong>po\u0161tou.<\/strong> V pr\u00edpade, \u017ee v\u00fdpove\u010f doru\u010d\u00edte osobne na pobo\u010dke alebo obchodnom mieste pois\u0165ovne, majte pri sebe platn\u00e9 doklady \u2013 ob\u010diansky preukaz \u010di in\u00fd doklad, ktor\u00fdm preuk\u00e1\u017eete va\u0161u toto\u017enos\u0165.\u00a0<\/span><span style=\"font-weight: 400;\"><strong>Pozor!<\/strong> V\u00fdpove\u010f nemus\u00ed by\u0165 \u00faspe\u0161n\u00e1, ak by \u00fadaje na va\u0161om doklade a poistnej zmluve neboli toto\u017en\u00e9. <\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Pri pr\u00e1vnickej osobe sa pri osobnom podan\u00ed v\u00fdpovede m\u00f4\u017eete stretn\u00fa\u0165 s overovan\u00edm, \u010di ten, kto ju pod\u00e1va je v tom \u010dase riadne zap\u00edsan\u00fd v obchodnom registri.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ak sa rozhodnete pre po\u0161tu, list odpor\u00fa\u010dame odosla\u0165 <strong>doporu\u010dene<\/strong> na adresu poistite\u013ea, aby ste mali potvrdenie. Inak sa m\u00f4\u017ee sta\u0165, \u017ee v\u00fdpove\u010f PZP nebude akceptovan\u00e1. Dajte si tie\u017e pozor na to, aby bol <strong>odosielate\u013e<\/strong> ten, kto zmluvu uzavrel. Inak sa m\u00f4\u017ee sta\u0165, \u017ee v\u00e1m po prijat\u00ed va\u0161ej v\u00fdpovede bude z\u00e1stupca poistite\u013ea telefonova\u0165, \u010di si v\u00fdpove\u010f skuto\u010dne \u017eel\u00e1te. Niektor\u00e9 pois\u0165ovne akceptuj\u00fa aj doru\u010denie v\u00fdpovede <strong>e-mailom.<\/strong><\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Kedy m\u00f4\u017eete poda\u0165 v\u00fdpove\u010f PZP<\/b><\/span><\/h2>\n<p><span style=\"color: #000000;\"><strong><span style=\"color: #ec8124;\">Uplynutie doby, na ktor\u00fa bolo poistenie dojednan\u00e9:<\/span> <\/strong><\/span><span style=\"font-weight: 400;\"><span style=\"color: #000000;\">J<\/span>edn\u00fdm z naj\u010dastej\u0161\u00edch d\u00f4vodov zmeny pois\u0165ovne je v\u00fd\u0161ka poistn\u00e9ho. T\u00e1 nie je v pois\u0165ovniach rovnak\u00e1 a ak si chcete overi\u0165, \u010di by ste mohli plati\u0165 aj menej, zadajte p\u00e1r \u00fadajov do na\u0161ej<\/span><a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\"><span style=\"font-weight: 400;\"> kalkula\u010dky<\/span><\/a> <span style=\"font-weight: 400;\">alebo n\u00e1s<\/span><a href=\"https:\/\/www.fingo.sk\/kontakty\"> <span style=\"font-weight: 400;\">kontaktujte<\/span><\/a><span style=\"font-weight: 400;\">. <\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">O cene PZP rozhoduje aj to, do ak\u00e9ho<strong> segmentu<\/strong> v\u00e1s pois\u0165ov\u0148a zarad\u00ed. <\/span><\/li>\n<li><span style=\"font-weight: 400;\">Znamen\u00e1 to, \u017ee pois\u0165ovne rozde\u013euj\u00fa klientov na rizikovej\u0161\u00edch a menej rizikov\u00fdch, dokonca na \u0161kodov\u00fdch a ne\u0161kodov\u00fdch. <\/span><\/li>\n<li><span style=\"font-weight: 400;\">T\u00fdm vznikaj\u00fa e\u0161te v\u00e4\u010d\u0161ie rozdiely v cen\u00e1ch poistn\u00e9ho. Priemerne sa pohybuj\u00fa od <strong>60 do 300 \u20ac<\/strong> ro\u010dne.\u00a0<\/span><\/li>\n<\/ul>\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Poistn\u00e9 sa odli\u0161uje aj r\u00f4znymi pripoisteniami a v\u00fdhodami, ktor\u00e9 si m\u00f4\u017eete porovna\u0165<\/span><a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\"><span style=\"font-weight: 400;\">\u00a0tu<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>Nov\u00e1 cena poistn\u00e9ho: <\/b><\/span><span style=\"font-weight: 400;\">Ka\u017ed\u00e1 pois\u0165ov\u0148a je povinn\u00e1 ozn\u00e1mi\u0165 v\u00e1m zmenu v\u00fd\u0161ky nov\u00e9ho poistn\u00e9ho <strong>najnesk\u00f4r 10 t\u00fd\u017ed\u0148ov<\/strong> pred t\u00fdm, ako uplynie poistn\u00e9 obdobie v\u00e1\u0161ho PZP. Ak sa tak nestane, m\u00f4\u017eete poistn\u00fa zmluvu vypoveda\u0165 kedyko\u013evek pred uplynut\u00edm poistn\u00e9ho obdobia.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>V\u00fdpove\u010f do 2 mesiacov od uzatvorenia zmluvy: <\/b><\/span><span style=\"font-weight: 400;\">T\u00e1to mo\u017enos\u0165 sa berie ako dohoda medzi poistencom a pois\u0165ov\u0148ou a m\u00f4\u017ee sa realizova\u0165 z oboch str\u00e1n bez udania d\u00f4vodu. V\u00fdpovedn\u00e1 lehota je <strong>osem dn\u00ed<\/strong> a ich uplynut\u00edm poistenie zanikne.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>V\u00fdpove\u010f do mesiaca od \u0161kodovej udalosti: <\/b><\/span><span style=\"font-weight: 400;\">Obe strany m\u00f4\u017eu PZP vypoveda\u0165 aj po vzniku \u0161kodovej udalosti, a to <strong>do 1 mesiaca<\/strong> od ozn\u00e1menia \u0161kodovej udalosti. V\u00fdpovedn\u00e1 lehota je<strong> jeden mesiac od doru\u010denia<\/strong> p\u00edsomn\u00e9ho ozn\u00e1menia o vypovedan\u00ed poistnej zmluvy druhej strane. Poistenie po tejto lehote zanikne.\u00a0<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>Zmena vlastn\u00edka vozidla \u2013 predaj vozidla: <\/b><\/span><span style=\"font-weight: 400;\">Pri prep\u00edsan\u00ed motorov\u00e9ho vozidla v evidencii vozidiel na in\u00fa osobu, PZP p\u00f4vodn\u00e9ho vlastn\u00edka zanikne. Nov\u00fd vlastn\u00edk by mal ma\u0165 PZP uzavret\u00e9 <strong>e\u0161te pred z\u00e1pisom<\/strong> zmeny<a href=\"https:\/\/www.fingo.sk\/blog\/prihlasenie-auta-vsetko-co-potrebujete-vediet\/\"> do evidencie.<\/a> Pri prepise toti\u017e mus\u00ed doklad o novom povinnom zmluvnom poisten\u00ed dolo\u017ei\u0165.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>Vyradenie vozidla z evidencie vozidiel \u2013 odovzdanie zna\u010diek, odhl\u00e1senie: <\/b><\/span><span style=\"font-weight: 400;\">Ak motorov\u00e9 vozidlo zanikne, <strong>je vyraden\u00e9 z evidencie<\/strong> vozidiel alebo vyraden\u00e9 z prem\u00e1vky na pozemn\u00fdch komunik\u00e1ci\u00e1ch, k v\u00fdpovedi poistnej zmluvy je potrebn\u00e9 dolo\u017ei\u0165 doklad o vyraden\u00ed vozidla z evidencie.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>Odst\u00fapenie od zmluvy zo strany pois\u0165ovne pri vedomom poru\u0161en\u00ed povinnost\u00ed poisten\u00e9ho: <\/b><\/span><span style=\"font-weight: 400;\">Pois\u0165ov\u0148a m\u00e1 pod\u013ea Ob\u010dianskeho z\u00e1konn\u00edka pr\u00e1vo odst\u00fapi\u0165 od poistnej zmluvy v pr\u00edpade, \u017ee toto poru\u0161enie zistil, a to do troch mesiacov od tohto zistenia. <\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>Odst\u00fapenie od zmluvy z d\u00f4vodu nezaplatenia poistn\u00e9ho: <\/b><\/span><span style=\"font-weight: 400;\">Ak poistn\u00e9 <strong>nebolo zaplaten\u00e9 do jedn\u00e9ho mesiaca<\/strong> od d\u00e1tumu jeho splatnosti, pois\u0165ov\u0148a m\u00e1 pr\u00e1vo odst\u00fapi\u0165 od zmluvy PZP. V\u00fdnimka sa t\u00fdka iba zml\u00fav, kde bola dohodnut\u00e1 dlh\u0161ia lehota pre z\u00e1nik PZP, maxim\u00e1lne v\u0161ak na 3 mesiace.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>TIP:<\/b><\/span><span style=\"font-weight: 400;\"> Z\u00e1rove\u0148 myslite na to, \u017ee pri PZP, ktor\u00e9 si <a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\"><strong>uzatv\u00e1rate na dia\u013eku<\/strong><\/a> (\u010di\u017ee nie podpisom, ale zaplaten\u00edm), mus\u00edte poistn\u00e9 zaplati\u0165 do d\u00e1tumu uveden\u00e9ho na zmluve alebo v maili ako d\u00e1tum prvej \u00fahrady. V tento de\u0148 u\u017e samotn\u00e1 pois\u0165ov\u0148a mus\u00ed ma\u0165 financie prip\u00edsan\u00e9 na svojom \u00fa\u010dte.<\/span><\/p>\n<blockquote>\n<p><span style=\"font-weight: 400;\">Ak platbu obdr\u017e\u00ed a\u017e po tomto term\u00edne, va\u0161a zmluva nemus\u00ed v\u00f4bec vznikn\u00fa\u0165, \u010di\u017ee ostanete nepoisten\u00fd a mus\u00edte si uzavrie\u0165 nov\u00fa zmluvu. D\u00e1vajte na to pozor, lebo bez platn\u00e9ho PZP v\u00e1m hroz\u00ed pokuta.\u00a0<\/span><\/p>\n<\/blockquote>\n<p><span style=\"color: #ec8124;\"><b>Odst\u00fapenie od zmluvy zo strany pois\u0165ovne po poistnej udalosti: <\/b><\/span><span style=\"font-weight: 400;\">M\u00f4\u017ee sa sta\u0165, \u017ee ak poisten\u00fd pri uzatv\u00e1ran\u00ed PZP <strong>zaml\u010dal alebo nepravdivo<\/strong> uviedol z\u00e1sadn\u00e9 inform\u00e1cie a d\u00f4jde k poistnej udalosti, pois\u0165ov\u0148a od zmluvy m\u00f4\u017ee odst\u00fapi\u0165 a zmluva zanikne. Pr\u00edpadn\u00e9 poistn\u00e9 plnenie zo zmluvy si m\u00f4\u017ee v plnej v\u00fd\u0161ke regresova\u0165 od vinn\u00edka.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>Odcudzenie vozidla \u2013 na z\u00e1klade ozn\u00e1menia skuto\u010dnosti <\/b><b>pr\u00edslu\u0161n\u00fdm org\u00e1nom: <\/b><\/span><span style=\"font-weight: 400;\">Poistn\u00e1 zmluva zanik\u00e1 aj doru\u010den\u00edm <strong>ozn\u00e1menia o kr\u00e1de\u017ei<\/strong> motorov\u00e9ho vozidla Pol\u00edcii SR.<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>\u010co potrebujete k v\u00fdpovedi PZP<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pri podan\u00ed v\u00fdpovede inak ako ku d\u0148u v\u00fdro\u010dia poistnej zmluvy mus\u00edte prilo\u017ei\u0165 k\u00f3pie dokumentov, ktor\u00e9 dokazuj\u00fa opr\u00e1vnenos\u0165 v\u00fdpovede. Ide o nasleduj\u00face situ\u00e1cie:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>z\u00e1nik vozidla<\/b><span style=\"font-weight: 400;\"> \u2013 doklad Potvrdenie o likvid\u00e1cii motorov\u00e9ho vozidla<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>zmena dr\u017eite\u013ea vozidla<\/b><span style=\"font-weight: 400;\"> \u2013 K\u00f3pia ve\u013ek\u00e9ho technick\u00e9ho preukazu s uveden\u00fdm nov\u00fdm majite\u013eom<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>vyradenie vozidla z evidencie<\/b><span style=\"font-weight: 400;\"> \u2013 doklad Potvrdenie o vyraden\u00ed motorov\u00e9ho vozidla z evidencie<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>odcudzenie vozidla<\/b><span style=\"font-weight: 400;\"> \u2013 doklad Policajn\u00fd protokol o kr\u00e1de\u017ei vozidla<\/span><\/li>\n<\/ul>\n<h2><a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=pzp_gif\"><img decoding=\"async\" class=\"wp-image-4893 size-full aligncenter\" 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><\/h2>\n<h2><span style=\"color: #ec8124;\"><b>Na \u010do by ste nemali pri vypovedan\u00ed zmluvy zab\u00fada\u0165<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ak ru\u0161\u00edte poistn\u00fa zmluvu<\/span> <span style=\"font-weight: 400;\">mimo v\u00fdro\u010die, po\u017eiadajte o vr\u00e1tenie <strong>zvy\u0161ku poistn\u00e9ho.<\/strong> Od pois\u0165ovne by ste si mali vy\u017eiada\u0165 aj<\/span> <span style=\"font-weight: 400;\">potvrdenie o bez\u0161kodovom priebehu. Myslite tie\u017e na to, \u017ee trh sa neust\u00e1le men\u00ed, a preto si overte, ktor\u00e1 pois\u0165ov\u0148a v\u00e1m poskytne najv\u00fdhodnej\u0161ie PZP. Na na\u0161ej str\u00e1nke n\u00e1jdete<\/span><a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\"> <span style=\"font-weight: 400;\">kalkula\u010dku<\/span><\/a><span style=\"font-weight: 400;\">, kde si mo\u017enosti a ceny r\u00fdchlo over\u00edte.<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Kedy doch\u00e1dza k ukon\u010deniu zmluvy PZP<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">K v\u00fdpovedi PZP \u0161tandardne doch\u00e1dza, ke\u010f <strong>nastala udalos\u0165<\/strong> zadefinovan\u00e1 vo v\u0161eobecn\u00fdch poistn\u00fdch podmienkach ako d\u00f4vod na v\u00fdpove\u010f. Napr\u00edklad, ak <\/span><span style=\"font-weight: 400;\">pred\u00e1te auto, ktor\u00e9 ste na pol\u00edcii prep\u00edsali 10. 10. 2021, ale v\u00fdpove\u010f po\u0161lete 1. 11. 2021, pois\u0165ov\u0148a zru\u0161\u00ed zmluvu k 10. 10. 2021 a vr\u00e1ti v\u00e1m alikvotne poistn\u00e9.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pois\u0165ov\u0148a m\u00f4\u017ee tie\u017e stanovi\u0165 tzv. <strong>ochrann\u00fa lehotu,<\/strong> po uplynut\u00ed ktorej doch\u00e1dza k v\u00fdpovedi. T\u00e1to lehota za\u010d\u00edna plyn\u00fa\u0165 d\u0148om riadneho ozn\u00e1menia v\u00fdpovede a jej d\u013a\u017eka je \u0161tandardne stanoven\u00e1 na<strong> 8 dn\u00ed.<\/strong><\/span><\/p>\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Nie ste si ist\u00fd, ako vypoveda\u0165 PZP? <\/span><a href=\"https:\/\/www.fingo.sk\/kontakty\"><span style=\"font-weight: 400;\">Kontaktujte<\/span><\/a><span style=\"font-weight: 400;\"> n\u00e1s na\u00a0<a href=\"tel:0800601060\"><strong>0800 60 10 60. <\/strong><\/a>Pom\u00f4\u017eeme v\u00e1m<\/span><a href=\"https:\/\/www.fingo.sk\/poistenie\/vypoved-poistnej-zmluvy\"> <span style=\"font-weight: 400;\">vyplni\u0165 formul\u00e1r<\/span><\/a><span style=\"font-weight: 400;\"> a zorientova\u0165 sa v z\u00e1konn\u00fdch povinnostiach. Vo FinGO.sk v\u00e1m porovn\u00e1vame ceny PZP vo v\u0161etk\u00fdch pois\u0165ovniach a porad\u00edme aj oh\u013eadom <a href=\"https:\/\/www.fingo.sk\/poistenie\/havarijne-poistenie\">havarijn\u00e9ho poistenia.\u00a0<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Povinn\u00e9 zmluvn\u00e9 poistenie (PZP) mus\u00ed ma\u0165 zo z\u00e1kona uzatvoren\u00e9 ka\u017ed\u00fd dr\u017eite\u013e motorov\u00e9ho vozidla. Podanie v\u00fdpovede PZP je jednoduch\u00e9, ale m\u00e1 svoje pravidl\u00e1 \u2013 jeho z\u00e1kladom je formul\u00e1r. Ak si s n\u00edm neviete rady, pom\u00f4\u017eeme v\u00e1m ho vyplni\u0165 alebo pre v\u00e1s n\u00e1jdeme to najv\u00fdhodnej\u0161ie poistenie. V \u010dl\u00e1nku sa do\u010d\u00edtate: Kto m\u00f4\u017ee poda\u0165 v\u00fdpove\u010f PZP a ako ju ozn\u00e1mi\u0165 pois\u0165ovni Pri ak\u00fdch situ\u00e1ci\u00e1ch m\u00f4\u017eete poda\u0165 v\u00fdpove\u010f PZP \u010co v\u0161etko budete potrebova\u0165 k v\u00fdpovedi Kedy doch\u00e1dza k ukon\u010deniu va\u0161ej zmluvy Ako si r\u00fdchlej\u0161ie porovna\u0165 ceny PZP s FinGO.sk V\u00fdpove\u010f poistnej zmluvy \u00a0 Lehota na vypovedanie poistnej zmluvy je najnesk\u00f4r 6 t\u00fd\u017ed\u0148ov pred koncom poistn\u00e9ho obdobia k tzv. v\u00fdro\u010diu zmluvy. Ak od pois\u0165ovne nedostanete ozn\u00e1menie o zmene poistn\u00e9ho najnesk\u00f4r 10 t\u00fd\u017ed\u0148ov pred v\u00fdro\u010d\u00edm, od 1. 1. 2019 m\u00f4\u017eete poistenie vypoveda\u0165 kedyko\u013evek pred za\u010diatkom nov\u00e9ho poistn\u00e9ho obdobia. Ak v\u00fdpove\u010f posielate po\u0161tou, mus\u00ed by\u0165 doru\u010den\u00e1 najnesk\u00f4r v posledn\u00fd de\u0148 pred za\u010dat\u00edm plynutia \u0161es\u0165t\u00fd\u017ed\u0148ovej lehoty. Neprihliada sa teda na d\u00e1tum odoslania, ale prijatia v\u00fdpovede v pois\u0165ovni. Napr\u00edklad ak bol d\u00e1tum za\u010diatku v\u00e1\u0161ho poistenia 1. 2. 2021, tak va\u0161u v\u00fdpove\u010f mus\u00ed pois\u0165ov\u0148a prija\u0165 najnesk\u00f4r 19. 12. 2021. V pr\u00edpade, \u017ee t\u00fato lehotu nestihnete, rad\u0161ej v\u00fdpove\u010f PZP vybavte osobne. TIP: Ak chcete, aby sme v\u00e1s v\u010das upozornili, \u017ee sa [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":4654,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,208],"tags":[204,155,255],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>V\u00fdpove\u010f PZP - pom\u00f4\u017eeme v\u00e1m - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Kedy m\u00f4\u017eete poda\u0165 v\u00fdpove\u010f PZP, \u010do budete potrebova\u0165 a ako n\u00e1jdete to najv\u00fdhodnej\u0161ie poistenie pre va\u0161e auto? 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