{"id":6421,"date":"2025-04-15T07:03:00","date_gmt":"2025-04-15T05:03:00","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=6421"},"modified":"2025-04-15T14:24:02","modified_gmt":"2025-04-15T12:24:02","slug":"nezaplatili-ste-pzp-poradime-vam-ako-postupovat","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/nezaplatili-ste-pzp-poradime-vam-ako-postupovat\/","title":{"rendered":"Nezaplatili ste PZP? Porad\u00edme v\u00e1m, ako postupova\u0165"},"content":{"rendered":"\n<p><strong>Ak jazd\u00edte autom, ste povinn\u00fd ma\u0165 uzavret\u00e9 povinn\u00e9 zmluvn\u00e9 poistenie (PZP). Poistenie auta v\u00e1s chr\u00e1ni v situ\u00e1ci\u00e1ch, ke\u010f sp\u00f4sob\u00edte nehodu, a pois\u0165ov\u0148a za v\u00e1s uhrad\u00ed \u0161kody na majetku \u010di zdrav\u00ed in\u00fdch. Bez platn\u00e9ho PZP v\u0161ak riskujete nielen mastn\u00fa pokutu, ale aj to, \u017ee v\u00e1m pois\u0165ov\u0148a v\u0161etko preplat\u00ed \u2013 a potom to bude vym\u00e1ha\u0165 sp\u00e4\u0165. Oplat\u00ed sa preto vedie\u0165, \u010do v\u0161etko PZP kryje a \u010do v\u00e1m hroz\u00ed, ak budete jazdi\u0165 na nepoistenom aute. <\/strong><\/p>\n\n\n\n<p>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/p>\n\n\n\n<ul>\n<li>Ak\u00e1 je pokuta za nezaplatenie PZP<\/li>\n\n\n\n<li>Nezaplaten\u00e9 prv\u00e9 poistn\u00e9 a nasleduj\u00face poistn\u00e9<\/li>\n\n\n\n<li>Do\u010dasn\u00e9 odhl\u00e1senie vozidla a poistenie auta<\/li>\n\n\n\n<li>\u010co ak pois\u0165ov\u0148a neeviduje va\u0161u platbu<\/li>\n\n\n\n<li>Ak\u00fd doklad o PZP by ste mali ma\u0165 v aute<\/li>\n\n\n\n<li>Najv\u00fdhodnej\u0161ie PZP v\u00e1m n\u00e1jdeme vo <a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\">FinGO.sk<\/a><\/li>\n<\/ul>\n\n\n\n<h2><span style=\"color: #ec8123;\"><b>Poistenie auta a pokuty<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Pri be\u017enej policajnej kontrole, ale aj pri hrani\u010dnej kontrole pri va\u0161ich cest\u00e1ch do zahrani\u010dia,  platnos\u0165 PZP preukazujete dokladom o uzatvoren\u00ed PZP &#8211; tzv. Zelenou kartou. Obsahuje \u00fadaje o v\u00e1s ako poistn\u00edkovi, \u00fadaje o vozidle ako aj dobu trvania poistenia PZP. Od za\u010diatku roka 2025 u\u017e nemus\u00edte ma\u0165 vo vozidle fyzicky vytla\u010den\u00fa zelen\u00fa kartu, posta\u010duje len jej elektronick\u00e1 podoba v mobilnom telef\u00f3ne, ktor\u00fa v\u00e1m e-mailom doru\u010d\u00ed pois\u0165ov\u0148a.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">PZP sa vo v\u0161eobecnosti uzatv\u00e1ra na dobu neur\u010dit\u00fa, tak\u017ee sa ka\u017edoro\u010dne obnovuje a poistn\u00fdm obdob\u00edm je jeden rok. Ceny PZP sa neust\u00e1le menia, preto je potrebn\u00e9 svoje PZP sledova\u0165, prehodnocova\u0165 a v pr\u00edpade potreby uzatvori\u0165 nov\u00e9 poistenie.<\/span><\/p>\n\n\n\n<p><b><span style=\"color: #ec8123;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Ak si chcete v\u00fdhodnos\u0165 svojho PZP preveri\u0165, <\/span><a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\"><span style=\"font-weight: 400;\">obr\u00e1\u0165te sa na na\u0161ich odborn\u00edkov.\u00a0<\/span><\/a><\/p>\n\n\n\n<p>Po na\u0161ich cest\u00e1ch jazd\u00ed takmer \u0161tvr\u0165mili\u00f3na nepoisten\u00fdch vozidiel.<span style=\"font-weight: 400;\"> Ak vodi\u010d bez platn\u00e9ho PZP sp\u00f4sob\u00ed nehodu, \u0161koda je hraden\u00e1 z garan\u010dn\u00e9ho fondu Slovenskej kancel\u00e1rie pois\u0165ovate\u013eov a t\u00e1 n\u00e1sledne vym\u00e1ha \u0161kodu od nepoisten\u00e9ho vinn\u00edka. Suma, ktor\u00fa bude musie\u0165 sk\u00f4r \u010di nesk\u00f4r zaplati\u0165, sa m\u00f4\u017ee vy\u0161plha\u0165 poriadne vysoko. Riskova\u0165 sa teda neoplat\u00ed.<\/span><\/p>\n\n\n\n<h3><span style=\"color: #ec8123;\"><b>V\u00fd\u0161ka pokuty za nezaplatenie PZP&nbsp;<\/b><\/span><\/h3>\n\n\n\n<p>Pokuty ude\u013euj\u00fa okresn\u00e9 \u00farady, ale je na to opr\u00e1vnen\u00fd aj policajt pri cestnej kontrole. Aktu\u00e1lne m\u00f4\u017ee by\u0165 udelen\u00e1 pokuta vo v\u00fd\u0161ke od 50 do 5000 Eur.<\/p>\n\n\n\n<p>Syst\u00e9m ude\u013eovania a vyberania pok\u00fat doposia\u013e nefungoval efekt\u00edvne, av\u0161ak \u0161t\u00e1t za\u010dal robi\u0165 opatrenia na zlep\u0161enie vym\u00e1hania pok\u00fat aj regresov. Ak V\u00e1s n\u00e1hodou minie pokuta za neuzatvoren\u00e9 PZP, dobehne V\u00e1s nieko\u013ekon\u00e1sobne vy\u0161\u0161\u00ed regres (\u010di\u017ee vym\u00e1hanie \u0161kody, ktor\u00fa sp\u00f4sob\u00edte).<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"571\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/04\/PZP-NKU-1024x571.webp\" alt=\"\" class=\"wp-image-10180\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/04\/PZP-NKU-1024x571.webp 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/04\/PZP-NKU-300x167.webp 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/04\/PZP-NKU-768x428.webp 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/04\/PZP-NKU-1080x602.webp 1080w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/04\/PZP-NKU.webp 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><span style=\"font-weight: 400;\">Pokutu m\u00f4\u017eete dosta\u0165 aj dodato\u010dne. Okresn\u00fd \u00farad <\/span><span style=\"font-weight: 400;\">m\u00f4\u017ee ulo\u017ei\u0165 pokutu a\u017e do dvoch rokov odo d\u0148a, kedy sa o poru\u0161en\u00ed povinnosti dozvedel, najnesk\u00f4r v\u0161ak do troch rokov odo d\u0148a poru\u0161enia povinnosti.&nbsp;<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8123;\"><b>\u010co robi\u0165 v pr\u00edpade, ak ste nezaplatili PZP<\/b><\/span><\/h2>\n\n\n\n<p>M\u00f4\u017ee sa sta\u0165, \u017ee PZP zabudnete zaplati\u0165, pr\u00edpadne ho zaplat\u00edte, ale pois\u0165ov\u0148a va\u0161u platbu neeviduje. \u010co robi\u0165 v tak\u00fdchto pr\u00edpadoch?<\/p>\n\n\n\n<h3><span style=\"color: #ec8123;\"><b>Nezaplatenie prv\u00e9ho poistn\u00e9ho<\/b><\/span><\/h3>\n\n\n\n<p>PZP je v s\u00fa\u010dasnosti uzatv\u00e1ran\u00e9 online na dia\u013eku. D\u00e1tum splatnosti poistn\u00e9ho, teda dokedy je potrebn\u00e9 uhradi\u0165 prv\u00e9 poistn\u00e9, v\u00e1m pois\u0165ov\u0148a v\u017edy ozn\u00e1mi.<\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Lehoty splatnosti poistn\u00e9ho sa m\u00f4\u017eu l\u00ed\u0161i\u0165 v z\u00e1vislosti od konkr\u00e9tnej pois\u0165ovne.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak si uzatvor\u00edte poistenie na dia\u013eku online a prv\u00e9 poistn\u00e9 nezaplat\u00edte v d\u00e1tume splatnosti, poistn\u00e1 zmluva ani nevznikne.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Poistenie si m\u00f4\u017eete uzatvori\u0165 <\/span><a href=\"https:\/\/www.fingo.sk\/kontakty\"><span style=\"font-weight: 400;\">cez finan\u010dn\u00e9ho sprostredkovate\u013ea<\/span><\/a><span style=\"font-weight: 400;\">, ktor\u00fd v\u00e1m porovn\u00e1 v\u0161etky mo\u017enosti na trhu, alebo priamo v pois\u0165ovni.<\/span><\/p>\n\n\n\n<h3><span style=\"color: #ec8123;\"><b>Nezaplatenie nasleduj\u00facich poistn\u00fdch<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Pri nezaplaten\u00ed nasleduj\u00facich poistn\u00fdch v\u00e1m pois\u0165ov\u0148a najsk\u00f4r po\u0161le upomienku a v\u00fdzvu na jej uhradenie. Ak napriek v\u00fdzvam nezaplat\u00edte, va\u0161u poistn\u00fa zmluvu zru\u0161\u00ed pre neplatenie cca do 3 mesiacov a n\u00e1sledne si od v\u00e1s bude vym\u00e1ha\u0165 alikv\u00f3tnu \u010das\u0165 dl\u017en\u00e9ho poistn\u00e9ho. Ke\u010f <a href=\"https:\/\/www.skp.sk\/povinne-zmluvne-poistenie\/\">PZP<\/a> u\u017e nie je platn\u00e9, je nutn\u00e9 si uzatvori\u0165<\/span><a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\"><span style=\"font-weight: 400;\"> nov\u00e9.\u00a0<\/span><\/a><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">V situ\u00e1cii, ak ste poistn\u00e9 zabudli zaplati\u0165 a v tom \u010dase sa stane nehoda, va\u0161e PZP je s\u00edce platn\u00e9, ale pois\u0165ov\u0148a m\u00f4\u017ee od v\u00e1s \u017eiada\u0165 n\u00e1hradu \u0161kodu. Z\u00e1budlivos\u0165 sa teda v tomto pr\u00edpade nevypl\u00e1ca.&nbsp;<\/span><\/p>\n<\/blockquote>\n\n\n\n<p><span style=\"font-weight: 400;\">Napr\u00edklad, hoci zaplat\u00edte 2 kvart\u00e1lne spl\u00e1tky a zabudnete na \u010fal\u0161iu, pois\u0165ov\u0148a od v\u00e1s m\u00f4\u017ee vym\u00e1ha\u0165 nielen vzniknut\u00fa \u0161kodu, ale bude chcie\u0165 doplati\u0165 aj zvy\u0161ok poistn\u00e9ho. Z\u00e1rove\u0148 v\u00e1m hroz\u00ed aj pokuta alebo kr\u00e1tenie poistn\u00e9ho, \u010di\u017ee pois\u0165ov\u0148a m\u00f4\u017ee pri \u0161kode uhradi\u0165 menej pe\u0148az\u00ed.<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8123;\"><b>DOBRE VEDIE\u0164<\/b><\/span><span style=\"font-weight: 400;\"><span style=\"color: #ec8123;\">:<\/span> Pois\u0165ov\u0148a va\u0161u zmluvu nezru\u0161\u00ed bez toho, aby v\u00e1s na nedoplatok poistn\u00e9ho neupozornila upomienkou. Niektor\u00e9 pois\u0165ovne posielaj\u00fa pripomienky \u00fahrady platby s tak\u00fdm \u010dasov\u00fdm predstihom, \u017ee na to klient aj tak zabudne.&nbsp;<\/span><\/p>\n\n\n\n<h3><span style=\"color: #ec8123;\"><b>Zaplatili ste, ale pois\u0165ov\u0148a neeviduje platbu?<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">M\u00f4\u017ee sa sta\u0165, \u017ee v\u00e1m pois\u0165ov\u0148a po\u0161le upomienku, ale vy ste poistn\u00e9 zaplatili. V tom pr\u00edpade mus\u00edte dok\u00e1za\u0165, \u017ee ste platbu skuto\u010dne odoslali.&nbsp;<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Vytla\u010dte alebo oskenujte potvrdenie o platbe a po\u0161lite ho do pois\u0165ovne po\u0161tou, resp. najr\u00fdchlej\u0161ie to bude e-mailom.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Pois\u0165ov\u0148a va\u0161u platbu skontroluje pod\u013ea variabiln\u00e9ho symbolu, ktor\u00fdm je v\u00e4\u010d\u0161inou \u010d\u00edslo va\u0161ej zmluvy o PZP, alebo to m\u00f4\u017ee by\u0165 aj \u010d\u00edslo n\u00e1vrhu zmluvy, z ktorej zmluva n\u00e1sledne vznikne.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Ak sa probl\u00e9m do p\u00e1r dn\u00ed nevyrie\u0161i a va\u0161u platbu sa nepodar\u00ed doh\u013eada\u0165, skontrolujte si, \u010di platba skuto\u010dne odi\u0161la a \u010di ste zadali spr\u00e1vny variabiln\u00fd symbol.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Ak je v\u0161etko spomenut\u00e9 v poriadku, obr\u00e1\u0165te sa na infolinku pois\u0165ovne.<\/span><\/li>\n<\/ul>\n\n\n\n<h2><span style=\"color: #ec8123;\"><b>Do\u010dasn\u00e9 vyradenie vozidla z evidencie<\/b><\/span> <span style=\"color: #ec8123;\"><b>a PZP<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">PZP mus\u00edte ma\u0165 zaplaten\u00e9, ak sa s autom pohybujete v cestnej prem\u00e1vke. V pr\u00edpade, \u017ee va\u0161e vozidlo je do\u010dasne nepojazdn\u00e9 alebo ho jednoducho na\u010das nebudete vyu\u017e\u00edva\u0165, m\u00f4\u017eete ho <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/ako-na-docasne-odhlasenie-vozidla\/\"><span style=\"font-weight: 400;\">do\u010dasne odhl\u00e1si\u0165.<\/span><\/a><span style=\"font-weight: 400;\"> Vyhnete sa tak platbe PZP, ale aj STK a EK. <\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Tak\u00e9ho do\u010dasn\u00e9 odhl\u00e1senie v\u00e1s na nieko\u013eko mesiacov (do 1 roka) vyjde na 5 eur<\/span>, ale a\u017e na 350 Eur pri vyraden\u00ed nad 10 rokov.<\/p>\n<\/blockquote>\n\n\n\n<p><strong><em>Mali ste dopravn\u00fa nehodu?<\/em><\/strong> <strong><em>Podrobnej\u0161ie inform\u00e1cie o tom, \u010do robi\u0165 v takomto pr\u00edpade, n\u00e1jdete v\u00a0<a href=\"https:\/\/www.fingo.sk\/blog\/ako-postupovat-pri-dopravnej-nehode\/\">tomto blogu<\/a>.<\/em><\/strong><\/p>\n\n\n\n<h2><span style=\"color: #ec8123;\"><b>Kontrola PZP<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak si chcete by\u0165 ist\u00ed, \u017ee poistku v\u017edy zaplat\u00edte v\u010das, odpor\u00fa\u010dame nastavi\u0165 si ro\u010dn\u00e9 platby a<\/span><a href=\"https:\/\/www.fingo.sk\/pzp-strazca\"><span style=\"font-weight: 400;\"> tzv. str\u00e1\u017ecu PZP<\/span><\/a><span style=\"font-weight: 400;\">. Ten v\u00e1s nielen\u017ee upozorn\u00ed, \u017ee v\u00e1m kon\u010d\u00ed v\u00fdro\u010die, ale uk\u00e1\u017ee v\u00e1m aj aktu\u00e1lne v\u00fdhodn\u00e9 ponuky PZP.<\/span><\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"block-visibility-hide-small-screen is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<iframe src=\"https:\/\/www.fingo.sk\/banner\/pzp-strazca\/version1?cpar=doxx&amp;ref=https:\/\/www.fingo.sk\/banner\/pzp-strazca\/version1?cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO&amp;utm_medium=doxx&amp;utm_source=doxx\" id=\"iframePzpWatchdogV1\" style=\"min-height: 716px; width: 110%; border: none; height: 728px;\" loading=\"lazy\"><\/iframe>\n<\/div><\/div>\n\n\n\n<div class=\"block-visibility-hide-large-screen block-visibility-hide-medium-screen is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<iframe src=\"https:\/\/www.fingo.sk\/banner\/pzp-strazca\/version1?cpar=doxx&amp;ref=https:\/\/www.fingo.sk\/banner\/pzp-strazca\/version1?cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO&amp;utm_medium=doxx&amp;utm_source=doxx\" id=\"iframePzpWatchdogV1\" style=\"min-height: 800px; width: 100%; border: none; height: 728px;\" loading=\"lazy\"><\/iframe>\n<\/div><\/div>\n\n\n\n<h2><span style=\"color: #ec8123;\"><b>Ako u\u0161etri\u0165 na va\u0161om poisten\u00ed auta<\/b><\/span><\/h2>\n\n\n\n<p>Venujte v\u00fdberu PZP trochu \u010dasu a neberte prv\u00fa ponuku, ktor\u00fa n\u00e1jdete. Potrebujete kvalitn\u00e9 slu\u017eby, ale zamyslite sa nad t\u00fdm, za \u010do plat\u00edte. Naozaj si potrebujete pripl\u00e1ca\u0165 za \u0161irok\u00fa ponuku asisten\u010dn\u00fdch slu\u017eieb? Na druhej strane, ak si m\u00e1te vybra\u0165 medzi dvomi pois\u0165ov\u0148ami a finan\u010dne v\u00e1s to vyjde pribli\u017ene rovnako, je dobr\u00e9 si porovna\u0165, \u010do v\u0161etko za svoje peniaze z\u00edskate.&nbsp;&nbsp;<\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak by ste na\u0161li <\/span><a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\"><span style=\"font-weight: 400;\">v\u00fdhodnej\u0161iu ponuku PZP<\/span><\/a><span style=\"font-weight: 400;\"> a chcete poistenie zru\u0161i\u0165 ku koncu v\u00e1\u0161ho poistn\u00e9ho obdobia, je potrebn\u00e9, aby ste najnesk\u00f4r 6 t\u00fd\u017ed\u0148ov pred v\u00fdro\u010dn\u00fdm d\u0148om doru\u010dili v\u00fdpove\u010f do pois\u0165ovne.<\/span> Aktu\u00e1lne u\u017e nie je potrebn\u00e9 posiela\u0165 v\u00fdpove\u010f po\u0161tou, ale posta\u010d\u00ed ju doru\u010di\u0165 elektronicky, napr\u00edklad e-mailom.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"block-visibility-hide-small-screen is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\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<\/div><\/div>\n\n\n\n<div class=\"block-visibility-hide-large-screen block-visibility-hide-medium-screen is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\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: 100%; border: none; height: 608px;\" loading=\"lazy\"><\/iframe>\n<\/div><\/div>\n\n\n\n<h2><b style=\"color: #ec8123; font-size: revert;\">Doklad o uzatvoren\u00ed PZP<\/b><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Medzin\u00e1rodn\u00e1 automobilov\u00e1 pois\u0165ovacia karta (b\u00fdval\u00e1 Zelen\u00e1 karta) \u2013 sl\u00fa\u017ei ako doklad o poisten\u00ed na Slovensku aj pri ceste do zahrani\u010dia. T\u00fato medzin\u00e1rodn\u00fa pois\u0165ovaciu kartu m\u00f4\u017eete od 1.7.2020 od pois\u0165ovne dosta\u0165 v bielo-\u010diernej farbe.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Pri online zalo\u017een\u00ed poistnej zmluvy v\u00e1m do\u010dasn\u00e1 Zelen\u00e1 karta pr\u00edde na e-mail a po zaplaten\u00ed v\u00e1m pois\u0165ov\u0148a po\u0161le kartou aj po\u0161tou. Pozor, nemus\u00ed to tak by\u0165 v\u017edy.&nbsp; Niektor\u00e9 pois\u0165ovne zasielaj\u00fa kartu s ro\u010dnou platnos\u0165ou len e-mailom.<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8123;\"><b>TIP: <\/b><\/span>Od 1. 1. 2025 maj\u00fa v\u0161etci vodi\u010di mo\u017enos\u0165 preuk\u00e1za\u0165 sa zelenou kartou len v elektronickej podobe. Pois\u0165ovne zasielaj\u00fa klientovi toto potvrdenie o poisten\u00ed e-mailom naj\u010dastej\u0161ie v PDF form\u00e1te. Sta\u010d\u00ed si doklad ulo\u017ei\u0165 v mobilnom telef\u00f3ne. Elektronick\u00e1 zelen\u00e1 karta bude akceptovan\u00e1 pri cestnej kontrole doma aj v zahrani\u010d\u00ed a rovnako na hrani\u010dn\u00fdch priechodoch.<\/p>\n\n\n\n<p><strong><em>\u010co kryje havarijn\u00e9 poistenie a ako postupova\u0165 v pr\u00edpade plnenia, sa <a href=\"https:\/\/www.fingo.sk\/blog\/co-kryje-havarijne-poistenie-a-ako-postupovat-v-pripade-plnenia\/\">dozviete v tomto blogu<\/a>. <\/em><\/strong><\/p>\n\n\n\n<h2><span style=\"color: #ec8123;\"><b>Pora\u010fte sa o najv\u00fdhodnej\u0161om PZP s FinGO.sk&nbsp;<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Ako ka\u017ed\u00e9 poistenie, aj PZP sa teda oplat\u00ed zaplati\u0165 v\u010das. Pri oneskoren\u00ed platby sa toti\u017e vystavujete riziku, \u017ee v skuto\u010dnosti zaplat\u00edte ove\u013ea viac \u010di u\u017e na pokute alebo za sp\u00f4soben\u00e9 \u0161kody. Aj napriek n\u00e1rastu cien PZP si m<\/span>\u00e1te mo\u017enos\u0165 <span style=\"font-weight: 400;\">vybra\u0165 v\u00fdhodn\u00e9 PZP. Aktu\u00e1lne u\u017e nemus\u00ed kry\u0165 len ich z\u00e1konn\u00fa zodpovednos\u0165, ale aj zmier\u0148ova\u0165 nepriazniv\u00e9 situ\u00e1cie na cest\u00e1ch vo forme benefitov a asisten\u010dn\u00fdch slu\u017eieb. Ak v\u00e1s zauj\u00edma, ako sa aktu\u00e1lne pohybuj\u00fa ceny PZP,\u00a0kontaktujte n\u00e1s, FinGO.sk v\u00e1m n\u00e1jde to najv\u00fdhodnej\u0161ie PZP na trhu.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">M\u00f4\u017eete sa s nami spoji\u0165 aj telefonicky alebo online. Zavolajte n\u00e1m na <a href=\"tel:0800601060\"><span style=\"color: #ec8124;\"><strong>0800 60 10 60<\/strong><\/span><\/a><\/span><span style=\"font-weight: 400;\">&nbsp;alebo n\u00e1m <\/span><b>zanechajte kontakt<\/b><span style=\"font-weight: 400;\"> vo formul\u00e1ri ni\u017e\u0161ie a my sa v\u00e1m ozveme.<\/span><\/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\n\n\n<script>\n\n    (function(){\n\n        window.addEventListener('message', function(e) {\n\n          if (e.data.height) {\n\n            document.getElementById(e.data.iframeId).style.height = (e.data.height) + 'px';\n\n          };\n\n        }, false);\n\n    })();\n\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Ak jazd\u00edte autom, ste povinn\u00fd ma\u0165 uzavret\u00e9 povinn\u00e9 zmluvn\u00e9 poistenie (PZP). Poistenie auta v\u00e1s chr\u00e1ni v situ\u00e1ci\u00e1ch, ke\u010f sp\u00f4sob\u00edte nehodu, a pois\u0165ov\u0148a za v\u00e1s uhrad\u00ed \u0161kody na majetku \u010di zdrav\u00ed in\u00fdch. Bez platn\u00e9ho PZP v\u0161ak riskujete nielen mastn\u00fa pokutu, ale aj to, \u017ee v\u00e1m pois\u0165ov\u0148a v\u0161etko preplat\u00ed \u2013 a potom to bude vym\u00e1ha\u0165 sp\u00e4\u0165. Oplat\u00ed sa preto vedie\u0165, \u010do v\u0161etko PZP kryje a \u010do v\u00e1m hroz\u00ed, ak budete jazdi\u0165 na nepoistenom aute. V \u010dl\u00e1nku sa do\u010d\u00edtate: Poistenie auta a pokuty Pri be\u017enej policajnej kontrole, ale aj pri hrani\u010dnej kontrole pri va\u0161ich cest\u00e1ch do zahrani\u010dia, platnos\u0165 PZP preukazujete dokladom o uzatvoren\u00ed PZP &#8211; tzv. Zelenou kartou. Obsahuje \u00fadaje o v\u00e1s ako poistn\u00edkovi, \u00fadaje o vozidle ako aj dobu trvania poistenia PZP. Od za\u010diatku roka 2025 u\u017e nemus\u00edte ma\u0165 vo vozidle fyzicky vytla\u010den\u00fa zelen\u00fa kartu, posta\u010duje len jej elektronick\u00e1 podoba v mobilnom telef\u00f3ne, ktor\u00fa v\u00e1m e-mailom doru\u010d\u00ed pois\u0165ov\u0148a. PZP sa vo v\u0161eobecnosti uzatv\u00e1ra na dobu neur\u010dit\u00fa, tak\u017ee sa ka\u017edoro\u010dne obnovuje a poistn\u00fdm obdob\u00edm je jeden rok. Ceny PZP sa neust\u00e1le menia, preto je potrebn\u00e9 svoje PZP sledova\u0165, prehodnocova\u0165 a v pr\u00edpade potreby uzatvori\u0165 nov\u00e9 poistenie. TIP: Ak si chcete v\u00fdhodnos\u0165 svojho PZP preveri\u0165, obr\u00e1\u0165te sa na na\u0161ich odborn\u00edkov.\u00a0 Po na\u0161ich cest\u00e1ch jazd\u00ed [&hellip;]<\/p>\n","protected":false},"author":58,"featured_media":6424,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,208],"tags":[272,161,273,155],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Nezaplatili ste PZP? Porad\u00edme v\u00e1m, ako postupova\u0165 - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Ak sa v\u00e1m stalo, \u017ee ste zabudli na poistenie auta (PZP), porad\u00edme v\u00e1m ako postupova\u0165. 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