{"id":7476,"date":"2023-06-12T12:50:13","date_gmt":"2023-06-12T10:50:13","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=7476"},"modified":"2023-08-18T14:37:33","modified_gmt":"2023-08-18T12:37:33","slug":"ako-usetrit-pri-pzp-a-ako-poistit-auto-na-dovolenku","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/ako-usetrit-pri-pzp-a-ako-poistit-auto-na-dovolenku\/","title":{"rendered":"Ako u\u0161etri\u0165 pri PZP a ako poisti\u0165 auto na dovolenku?"},"content":{"rendered":"\n<p><strong>Vyber\u00e1te si PZP len pod\u013ea ceny? Myslite na to, \u017ee poistn\u00e9 krytie a pripoistenia s\u00fa takisto k\u013e\u00fa\u010dov\u00e9, inak sa v\u00e1m v pr\u00edpade nehody lacn\u00e1 poistka m\u00f4\u017ee vypomsti\u0165. <a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\">Spr\u00e1vne poistenie auta<\/a> je d\u00f4le\u017eit\u00e9 aj na dovolenke. Na \u010do by ste nemali zabudn\u00fa\u0165 pred vycestovan\u00edm do zahrani\u010dia?<\/strong><\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ec8124\"><strong>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/strong><\/p>\n\n\n\n<ul>\n<li>Ako si vybra\u0165 najlep\u0161ie PZP?<\/li>\n\n\n\n<li>S\u00fa pripoistenia k PZP vhodnou alternat\u00edvou k havarijn\u00e9mu poisteniu?<\/li>\n\n\n\n<li>Kedy je potrebn\u00e9 poisti\u0165 si auto pred dovolenkou?<\/li>\n\n\n\n<li>Ako si jednoducho a r\u00fdchlo <a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\">porovna\u0165<\/a> ponuku pois\u0165ovn\u00ed?<\/li>\n<\/ul>\n\n\n\n<p>V prieskume, ktor\u00fd sme realizovali medzi na\u0161imi makl\u00e9rmi, a\u017e 97 % z nich uviedlo, \u017ee ich klienti sa pri uzatv\u00e1ran\u00ed PZP zauj\u00edmaj\u00fa predov\u0161etk\u00fdm o v\u00fd\u0161ku poistn\u00e9ho. Menej ako tretina makl\u00e9rov hovor\u00ed, \u017ee sa klienti akt\u00edvne zauj\u00edmaj\u00fa o mo\u017en\u00e9 pripoistenia a e\u0161te menej, len p\u00e4tina, m\u00e1 sk\u00fasenos\u0165 s klientmi, pre ktor\u00fdch s\u00fa podstatn\u00e9 r\u00f4zne benefity poskytovan\u00e9 jednotliv\u00fdmi pois\u0165ov\u0148ami.&nbsp;<\/p>\n\n\n\n<p>Podobn\u00e9 je to aj pri zmene pois\u0165ovne. Aj tu pod\u013ea 97 % makl\u00e9rov hlavn\u00fa \u00falohu zohr\u00e1va pr\u00e1ve cena. Iste, t\u00e1 je pri PZP nepochybne d\u00f4le\u017eit\u00e1, ale ur\u010dite si je potrebn\u00e9 v\u0161\u00edma\u0165 aj to, ak\u00e9 benefity maj\u00fa pois\u0165ovne v z\u00e1kladnom bal\u00ed\u010dku a ak\u00fd je rozsah pon\u00fakan\u00fdch asisten\u010dn\u00fdch slu\u017eieb. Tieto aspekty m\u00f4\u017eu pri poistnej udalosti v kone\u010dnom d\u00f4sledku PZP v\u00fdrazne predra\u017ei\u0165.&nbsp;<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ec8124\"><strong>Rozdiely medzi poistkami<\/strong><\/p>\n\n\n\n<p>Medzi jednotliv\u00fdmi pois\u0165ov\u0148ami m\u00f4\u017ee by\u0165 v&nbsp;cene PZP rozdiel aj 100 eur ro\u010dne. Majite\u013e \u0160kody Octavie z Bratislavy tak m\u00f4\u017ee plati\u0165 v pr\u00edpade najdrah\u0161ieho bal\u00ed\u010dka a\u017e 207 eur ro\u010dne, zatia\u013e \u010do najlacnej\u0161\u00ed bal\u00edk stoj\u00ed len 120 eur. Vodi\u010d z Michaloviec s rovnak\u00fdm autom zaplat\u00ed o nieko\u013eko desiatok eur menej. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/pzp_infograf_1-2-final-1024x1024.png\" alt=\"\" class=\"wp-image-7483\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/pzp_infograf_1-2-final-1024x1024.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/pzp_infograf_1-2-final-300x300.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/pzp_infograf_1-2-final-150x150.png 150w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/pzp_infograf_1-2-final-768x768.png 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/pzp_infograf_1-2-final-1536x1536.png 1536w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/pzp_infograf_1-2-final-2048x2048.png 2048w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/pzp_infograf_1-2-final-1080x1080.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Cenov\u00e9 rozdiely pri PZP s\u00fa sp\u00f4soben\u00e9 predov\u0161etk\u00fdm rozli\u010dnou segment\u00e1ciou produktu. K\u013e\u00fa\u010dov\u00e1 je geografick\u00e1 poloha, vek poistn\u00edka, vek motorov\u00e9ho vozidla a rozsah asisten\u010dn\u00fdch slu\u017eieb a benefitov. Najv\u00e4\u010d\u0161iu chybu robia vodi\u010di, ktor\u00ed len automaticky platia \u0161eky a o poistenie sa nezauj\u00edmaj\u00fa. <\/p>\n\n\n\n<p>Ako si teda vybra\u0165 najv\u00fdhodnej\u0161ie poistenie? Urobte si prieskum medzi pois\u0165ov\u0148ami a vyu\u017eite pr\u00edpadn\u00e9 akcie a zv\u00fdhodnen\u00e9 ponuky. Ve\u013ekou pom\u00f4ckou s\u00fa dostupn\u00e9 online kalkula\u010dky a porovn\u00e1va\u010de, ktor\u00e9 umo\u017e\u0148uj\u00fa urobi\u0165 si r\u00fdchly preh\u013ead v aktu\u00e1lnych ponuk\u00e1ch. <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=pzp_gif\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/pzp_auta_fingo-1.gif\" alt=\"\" class=\"wp-image-7506\"\/><\/a><\/figure>\n\n\n\n<p>Najjednoduch\u0161ie je obr\u00e1ti\u0165 sa na finan\u010dn\u00e9ho sprostredkovate\u013ea, ktor\u00fd m\u00e1 preh\u013ead o tom, \u010do ktor\u00e1 pois\u0165ov\u0148a pon\u00faka a dok\u00e1\u017ee v\u00e1m vybavi\u0165 najv\u00fdhodnej\u0161ie poistenie.&nbsp;<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ec8124\"><strong>Pripoistenie k PZP alebo havarijn\u00e9 poistenie?<\/strong><\/p>\n\n\n\n<p>Kedy sa v\u00e1m oplat\u00ed plati\u0165 si pripoistenie k PZP?&nbsp;Je to v\u00fdhodn\u00e9 najm\u00e4 vtedy, ak vlastn\u00edte star\u0161ie vozidlo, ktor\u00e9 sa u\u017e ned\u00e1 poisti\u0165 havarijn\u00fdm poisten\u00edm. V\u00e4\u010d\u0161inou ide o aut\u00e1 star\u0161ie ako 10 rokov. Ak m\u00e1te uzatvoren\u00e9 havarijn\u00e9 poistenie, s\u00fa v\u00e1m pripoistenia k PZP zbyto\u010dn\u00e9.&nbsp;<\/p>\n\n\n\n<p><em><strong>Pre\u010d\u00edtajte si:<\/strong> <a href=\"https:\/\/www.fingo.sk\/blog\/overenie-platnosti-pzp\/\">Overenie platnosti PZP<\/a><\/em><\/p>\n\n\n\n<p>Z n\u00e1\u0161ho prieskumu vypl\u00fdva, \u017ee medzi najpopul\u00e1rnej\u0161ie pripoistenia k PZP patr\u00ed stret so zverou, \u010deln\u00e9 sklo a \u017eivel. Ka\u017ed\u00e9 z nich stoj\u00ed p\u00e1r desiatok eur ro\u010dne a dok\u00e1\u017eu v\u00e1m u\u0161etri\u0165 n\u00e1klady na \u0161kody niekedy aj vo v\u00fd\u0161ke tis\u00edcov eur.&nbsp;&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/final-auta2-1024x1024.png\" alt=\"\" class=\"wp-image-7485\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/final-auta2-1024x1024.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/final-auta2-300x300.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/final-auta2-150x150.png 150w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/final-auta2-768x768.png 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/final-auta2-1536x1536.png 1536w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/final-auta2-2048x2048.png 2048w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/final-auta2-1080x1080.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Aj oby\u010dajn\u00e9 PZP bez pripoisten\u00ed je v\u0161ak lep\u0161ie ako \u017eiadne. Bohu\u017eia\u013e, pod\u013ea slovensk\u00fdch \u0161tatist\u00edk z roku 2020, a\u017e 250 000 vozidiel nem\u00e1 uzatvoren\u00e9 PZP. To najmenej, <a href=\"https:\/\/www.fingo.sk\/blog\/nezaplatili-ste-pzp-poradime-vam-ako-postupovat\/\">\u010do sa m\u00f4\u017ee sta\u0165<\/a>, je pokuta, ktor\u00e1 sa m\u00f4\u017ee vy\u0161plha\u0165 a\u017e do v\u00fd\u0161ky 3 320 eur. Ak v\u0161ak ako vodi\u010d nepoisten\u00e9ho vozidla sp\u00f4sob\u00edte nejak\u00fa \u0161kodu, n\u00e1klady sa m\u00f4\u017eu vy\u0161plha\u0165 aj na desa\u0165tis\u00edce eur. Ke\u010f\u017ee PZP stoj\u00ed priemerne okolo 100 a\u017e 150 eur ro\u010dne, nie je ve\u013emi rozumn\u00e9 to riskova\u0165.<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ec8124\"><strong>5 r\u00e1d o poisten\u00ed auta pred dovolenkou<\/strong><\/p>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.fingo.sk\/blog\/ako-na-cestovne-poistenie-v-roku-202310-rad-pred-odchodom-na-dovolenku\/\">Pred cestou<\/a> si skontrolujte \u010dasov\u00fa platnos\u0165 poistenia vozidla. Plat\u00ed to pre PZP,&nbsp; aj pre havarijn\u00e9 poistenie.<\/li>\n\n\n\n<li>D\u00f4le\u017eit\u00e9 je skontrolova\u0165 aj \u00fazemn\u00fa platnos\u0165 poisten\u00ed. M\u00f4\u017ee sa sta\u0165, \u017ee budete cestova\u0165 do krajiny, v ktorej napr\u00edklad nebude plati\u0165 zelen\u00e1 karta (pozor, t\u00e1to karta sa u\u017e vyhotovuje len v \u010dierno-bielom preveden\u00ed).&nbsp;<\/li>\n\n\n\n<li>Ulo\u017ete si kontakt na asisten\u010dn\u00fa slu\u017ebu pois\u0165ovne do mobilu. Overte si, ak\u00fd je rozsah asisten\u010dn\u00fdch slu\u017eieb pod\u013ea poistnej zmluvy a v pr\u00edpade potreby ho roz\u0161\u00edrte. V aute by ste mali ma\u0165 k dispoz\u00edcii aj tla\u010divo Spr\u00e1va o nehode.&nbsp;<\/li>\n\n\n\n<li>Ak nem\u00e1te uzavret\u00e9 havarijn\u00e9 poistenie, m\u00f4\u017eete si aj ku kr\u00e1tkodob\u00e9mu cestovn\u00e9mu poisteniu uzavrie\u0165 r\u00f4zne <a href=\"https:\/\/www.fingo.sk\/blog\/prasknute-celne-sklo-na-pzp-sa-nespoliehajte\/\">praktick\u00e9 pripoistenia<\/a>, ktor\u00e9 obsahuj\u00fa napr\u00edklad technick\u00fa pomoc s vozidlom, asisten\u010dn\u00e9 slu\u017eby pri nehode alebo aj odtiahnutie vozidla.&nbsp;<\/li>\n\n\n\n<li>Dajte si pozor na cestovanie na dovolenku automobilom, ktor\u00fd nevlastn\u00edte. Ak v zahrani\u010d\u00ed d\u00f4jde k nehode, pois\u0165ov\u0148a v\u00e1m prostredn\u00edctvom asisten\u010dn\u00fdch slu\u017eieb pom\u00f4\u017ee vyrie\u0161i\u0165 vzniknut\u00fa situ\u00e1ciu, av\u0161ak m\u00f4\u017ee od v\u00e1s \u017eiada\u0165 \u00fahradu v\u0161etk\u00fdch vzniknut\u00fdch n\u00e1kladov.<\/li>\n<\/ul>\n\n\n\n<p><strong>TIP:&nbsp;<\/strong>Skontrolujte si svoje PZP a pora\u010fte sa s na\u0161imi&nbsp;<a href=\"https:\/\/www.fingo.sk\/kontakty\"><strong>sprostredkovate\u013emi z FinGO.sk.<\/strong><\/a>&nbsp;Va\u0161a cesta k lep\u0161iemu poisteniu auta tak m\u00f4\u017ee by\u0165 ove\u013ea jednoduch\u0161ia.<\/p>\n\n\n\n<p>Zavolajte n\u00e1m do FinGO.sk na&nbsp;<a href=\"tel:0800601060\"><strong>0800 60 10 60<\/strong><\/a>&nbsp;alebo n\u00e1m&nbsp;<strong>zanechajte va\u0161e kontaktn\u00e9 \u00fadaje<\/strong>&nbsp;vo formul\u00e1ri ni\u017e\u0161ie a spoj\u00edme v\u00e1s so sk\u00fasen\u00fdm finan\u010dn\u00fdm makl\u00e9rom vo va\u0161om okol\u00ed.<\/p>\n\n\n\n<div class=\"wp-block-contact-form-7-contact-form-selector\">\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\/7476#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<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Vyber\u00e1te si PZP len pod\u013ea ceny? Myslite na to, \u017ee poistn\u00e9 krytie a pripoistenia s\u00fa takisto k\u013e\u00fa\u010dov\u00e9, inak sa v\u00e1m v pr\u00edpade nehody lacn\u00e1 poistka m\u00f4\u017ee vypomsti\u0165. Spr\u00e1vne poistenie auta je d\u00f4le\u017eit\u00e9 aj na dovolenke. Na \u010do by ste nemali zabudn\u00fa\u0165 pred vycestovan\u00edm do zahrani\u010dia? V \u010dl\u00e1nku sa do\u010d\u00edtate: V prieskume, ktor\u00fd sme realizovali medzi na\u0161imi makl\u00e9rmi, a\u017e 97 % z nich uviedlo, \u017ee ich klienti sa pri uzatv\u00e1ran\u00ed PZP zauj\u00edmaj\u00fa predov\u0161etk\u00fdm o v\u00fd\u0161ku poistn\u00e9ho. Menej ako tretina makl\u00e9rov hovor\u00ed, \u017ee sa klienti akt\u00edvne zauj\u00edmaj\u00fa o mo\u017en\u00e9 pripoistenia a e\u0161te menej, len p\u00e4tina, m\u00e1 sk\u00fasenos\u0165 s klientmi, pre ktor\u00fdch s\u00fa podstatn\u00e9 r\u00f4zne benefity poskytovan\u00e9 jednotliv\u00fdmi pois\u0165ov\u0148ami.&nbsp; Podobn\u00e9 je to aj pri zmene pois\u0165ovne. Aj tu pod\u013ea 97 % makl\u00e9rov hlavn\u00fa \u00falohu zohr\u00e1va pr\u00e1ve cena. Iste, t\u00e1 je pri PZP nepochybne d\u00f4le\u017eit\u00e1, ale ur\u010dite si je potrebn\u00e9 v\u0161\u00edma\u0165 aj to, ak\u00e9 benefity maj\u00fa pois\u0165ovne v z\u00e1kladnom bal\u00ed\u010dku a ak\u00fd je rozsah pon\u00fakan\u00fdch asisten\u010dn\u00fdch slu\u017eieb. Tieto aspekty m\u00f4\u017eu pri poistnej udalosti v kone\u010dnom d\u00f4sledku PZP v\u00fdrazne predra\u017ei\u0165.&nbsp; Rozdiely medzi poistkami Medzi jednotliv\u00fdmi pois\u0165ov\u0148ami m\u00f4\u017ee by\u0165 v&nbsp;cene PZP rozdiel aj 100 eur ro\u010dne. Majite\u013e \u0160kody Octavie z Bratislavy tak m\u00f4\u017ee plati\u0165 v pr\u00edpade najdrah\u0161ieho bal\u00ed\u010dka a\u017e 207 eur ro\u010dne, zatia\u013e \u010do najlacnej\u0161\u00ed bal\u00edk [&hellip;]<\/p>\n","protected":false},"author":52,"featured_media":7482,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[208],"tags":[155],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ako u\u0161etri\u0165 pri PZP a ako poisti\u0165 auto na dovolenku? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Vodi\u010di si vyberaj\u00fa povinn\u00e9 zmluvn\u00e9 poistenie takmer v\u00fdhradne pod\u013ea ceny. 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