{"id":1348,"date":"2020-05-27T16:55:18","date_gmt":"2020-05-27T14:55:18","guid":{"rendered":"https:\/\/www.pricemania.sk\/blog\/najcastejsie-chyby-pri-kupovani-pzp-robite-ich-aj-vy\/"},"modified":"2020-05-27T16:55:18","modified_gmt":"2020-05-27T14:55:18","slug":"najcastejsie-chyby-pri-kupovani-pzp-robite-ich-aj-vy","status":"publish","type":"post","link":"https:\/\/www.pricemania.sk\/blog\/najcastejsie-chyby-pri-kupovani-pzp-robite-ich-aj-vy\/","title":{"rendered":"Naj\u010dastej\u0161ie chyby pri kupovan\u00ed PZP. Rob\u00edte ich aj vy?"},"content":{"rendered":"

Povinn\u00e9 zmluvn\u00e9 poistenie je takou samozrejmos\u0165ou, \u017ee si s n\u00edm niektor\u00ed majitelia \u00e1ut dlho hlavu nel\u00e1mu. A ani nemusia, ak vedia, na \u010do sa pri pzp zamera\u0165.<\/p>\n

\"PZP\"<\/a><\/p>\n

<\/p>\n

Povinn\u00e9 zmluvn\u00e9 poistenie – poistka, bez ktorej nesmie vojs\u0165 do cestnej prem\u00e1vky \u017eiadne auto. Ponuka je \u0161irok\u00e1 a mno\u017estvo majite\u013eov \u00e1ut vybav\u00ed t\u00fato povinnos\u0165 ve\u013emi r\u00fdchlo. Rozhoduj\u00faca je hlavne cena a ak sa d\u00e1 vybavi\u0165 pzp online<\/strong><\/a>, je to aj bez zbyto\u010dn\u00e9ho chodenia na pobo\u010dku pois\u0165ovne. <\/p>\n

R\u00fdchle a pohodln\u00e9 vybavenie poistenia je samozrejme skvel\u00e9 a v dne\u0161nej upon\u00e1h\u013eanej dobe aj tak trochu nevyhnutn\u00e9.
Aby va\u0161e nov\u00e9 pzp bolo nielen r\u00fdchlo vybaven\u00e9, ale aj v\u00fdhodn\u00e9, povieme si 5 naj\u010dastej\u0161\u00edch ch\u00fdb, ktor\u00e9 pri kupovan\u00ed pzp rob\u00edte mo\u017eno aj vy a mali by ste to zmeni\u0165.<\/p>\n

\"PZP\"<\/p>\n

Zdroj: FOTOLIA<\/span><\/p>\n

1. Rob\u00edte porovnanie len na z\u00e1klade ceny.<\/strong><\/p>\n

Je skvel\u00e9, ak neuzavriete pzp v prvej pois\u0165ovni, na ktorej str\u00e1nku natraf\u00edte na internete. Porovna\u0165 ceny poistenia v\u0161ak nesta\u010d\u00ed. Pri porovn\u00e1van\u00ed sa s\u00fastre\u010fte aj na \u010fal\u0161ie slu\u017eby, ktor\u00e9 m\u00f4\u017eete s poisten\u00edm z\u00edska\u0165. Asisten\u010dn\u00e9 slu\u017eby, pripoistenia v cene z\u00e1kladn\u00e9ho poistenia alebo z\u013eavy z ceny pzp.<\/p>\n

2. M\u00e1te t\u00fa ist\u00fa poistku dlh\u00e9 roky.<\/strong><\/p>\n

Ak ste raz uzavreli v\u00fdhodn\u00e9 pzp<\/strong><\/a>, neznamen\u00e1 to, \u017ee bude v\u00fdhodn\u00e9 aj nieko\u013eko rokov. K\u00fdm pois\u0165ovni zmluvu p\u00edsomne nevypoviete, p\u00f4vodn\u00e1 zmluva sa bude automaticky predl\u017eova\u0165. Na prv\u00fd poh\u013ead pohodln\u00e9, no pois\u0165ovne \u010dasto menia cenn\u00edky a za r\u00f4znych podmienok pon\u00fakaj\u00fa u\u017e vy\u0161\u0161ie spom\u00ednan\u00e9 z\u013eavy, o ktor\u00e9 by ste mohli pr\u00eds\u0165.
Nemus\u00edte meni\u0165 pois\u0165ov\u0148u, s ktorou ste spokojn\u00fd. Sta\u010d\u00ed sa pravidelne informova\u0165 o zmen\u00e1ch v pzp a v\u017edy vyu\u017ei\u0165 maxim\u00e1lny potenci\u00e1l dan\u00e9ho poistenia.<\/p>\n

3. Nevypoviete zmluvu.<\/strong><\/p>\n

Poistenie auta<\/strong><\/a> m\u00e1te st\u00e1le platn\u00e9, no zaujme v\u00e1s ponuka inej pois\u0165ovne a tak sa rozhodnete pre zmenu pois\u0165ovne. S pois\u0165ov\u0148ou uzavriete zmluvu, pr\u00edpadne vybav\u00edte pzp online<\/strong>, uhrad\u00edte poistn\u00fa sumu a star\u00fa poistku u\u017e nezaplat\u00edte v domnen\u00ed, \u017ee sa nezaplaten\u00edm tak nejak sama \u201czru\u0161\u00ed\u201d.
Ak\u00fa chybu ste spravili zist\u00edte a\u017e pri pr\u00edpadnej dopravnej nehode. Star\u00e1 poistka v\u00e1s u\u017e pre nezaplatenie samozrejme nekryje. Nov\u00e1 poistka v\u0161ak nie je platn\u00e1, preto\u017ee ste nevypovedali star\u00fa poistn\u00fa zmluvu.
A tak pri dopravnej nehode zaplat\u00edte cel\u00fa \u0161kodu z vlastn\u00e9ho vrecka a navy\u0161e v\u00e1m hroz\u00ed pokuta za nesplnenie z\u00e1konnej povinnosti.
Pri zmene pois\u0165ovne nezabudnite p\u00edsomne vypoveda\u0165 zmluvu<\/strong> pois\u0165ovni, v ktorej ste mali uzatvoren\u00e9 pzp za predch\u00e1dzaj\u00face obdobie. M\u00f4\u017eete tak urobi\u0165 u\u017e nieko\u013eko mesiacov pred zmenou pois\u0165ovne.<\/p>\n

4. Nespr\u00e1vne \u00fadaje.<\/strong><\/p>\n

Kupujete povinn\u00e9 zmluvn\u00e9 poistenie online<\/strong><\/a> a chcete to ma\u0165 samozrejme \u010d\u00edm sk\u00f4r vybaven\u00e9. Po svi\u017enom vyplnen\u00ed v\u0161etk\u00fdch \u00fadajov nasleduje zbe\u017en\u00e1 kontrola a odoslanie online zmluvy.
Tak\u00fdmto sp\u00f4sobom sa nepozornos\u0165ou m\u00f4\u017eu dosta\u0165 do zmluvy nespr\u00e1vne inform\u00e1cie o dr\u017eite\u013eovi a vozidle. S takouto zmluvou m\u00f4\u017eete ma\u0165 probl\u00e9my a rozhodne ne\u010dakajte, k\u00fdm chybu objav\u00ed policajt pri kontrole.
Pred odoslan\u00edm online zmluvy si v\u017edy d\u00f4kladne skontrolujte zadan\u00e9 \u00fadaje. Ak ste u\u017e zmluvu s chybn\u00fdm \u00fadajom odoslali, nie je nutn\u00e9 podlieha\u0165 panike. Kontaktujte svoju pois\u0165ov\u0148u, aby v\u00e1m zmluvu prepracovala.<\/p>\n

5. Nerie\u0161ite pripoistenia.<\/strong><\/p>\n

Pzp v dne\u0161nej dobe u\u017e nie je len o kryt\u00ed \u0161k\u00f4d na vozidl\u00e1ch in\u00fdch vodi\u010dov. Dobr\u00e9 pzp<\/strong> m\u00f4\u017ee kry\u0165 \u0161kody aj na va\u0161om vozidle.
Pripoistenia k pzp s\u00fa v\u00fdhodn\u00e9 najm\u00e4 pre majite\u013eov star\u0161\u00edch \u00e1ut, ktor\u00fdm sa u\u017e neoplat\u00ed havarijn\u00e9 poistenie.
Pripoisti\u0165 si m\u00f4\u017eete v\u0161etky be\u017en\u00e9 rizik\u00e1 ako je zver na ceste, po\u0161kodenie nepriazniv\u00fdm po\u010das\u00edm, vandalizmus, kr\u00e1de\u017ee a mnoho \u010fal\u0161ieho.
Niektor\u00e9 pripoistenia m\u00f4\u017eete k pzp z\u00edska\u0165 u\u017e v z\u00e1kladnom bal\u00edku. V ka\u017edom pr\u00edpade je dobr\u00e9 sa o nich informova\u0165 e\u0161te predt\u00fdm, ako uzavriete va\u0161e nov\u00e9 pzp<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Povinn\u00e9 zmluvn\u00e9 poistenie je takou samozrejmos\u0165ou, \u017ee si s n\u00edm niektor\u00ed majitelia \u00e1ut dlho hlavu nel\u00e1mu. A ani nemusia, ak vedia,…<\/p>\n","protected":false},"author":1,"featured_media":1347,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[322],"tags":[606,605],"yoast_head":"\nNaj\u010dastej\u0161ie chyby pri kupovan\u00ed PZP. Rob\u00edte ich aj vy? - Pricemania<\/title>\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.pricemania.sk\/blog\/najcastejsie-chyby-pri-kupovani-pzp-robite-ich-aj-vy\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Naj\u010dastej\u0161ie chyby pri kupovan\u00ed PZP. 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