{"id":1100,"date":"2023-02-01T14:48:31","date_gmt":"2023-02-01T13:48:31","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1100"},"modified":"2023-03-30T14:19:04","modified_gmt":"2023-03-30T12:19:04","slug":"nepojistene-vozidlo","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/nepojistene-vozidlo\/","title":{"rendered":"Nepoji\u0161t\u011bn\u00e9 vozidlo \u2013 jak\u00e9 pokuty v\u00e1m hroz\u00ed?"},"content":{"rendered":"\n<p>Vybrali jste si nejv\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku poji\u0161t\u011bn\u00ed, sjednali si povinn\u00e9 ru\u010den\u00ed, dostali zelenou kartu. Jen\u017ee pojistku jste v n\u00e1sleduj\u00edc\u00edch dvou t\u00fddnech zapomn\u011bli zaplatit. Nebo jste kupovali ojet\u00e9 auto a nestihli vedle kupn\u00ed smlouvy a p\u0159episu na registru vozidel vy\u0159e\u0161it tak\u00e9 <a href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\" target=\"_blank\" rel=\"noopener\" title=\"povinn\u00e9 ru\u010den\u00ed\">povinn\u00e9 ru\u010den\u00ed<\/a>\u2026 chybovat je lidsk\u00e9, ale v tomto p\u0159\u00edpad\u011b drah\u00e9. Jak vysok\u00e9 jsou sank\u010dn\u00ed pokuty za j\u00edzdu nepoji\u0161t\u011bn\u00fdm vozidlem?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co v\u00e1s m\u016f\u017ee \u010dekat v p\u0159\u00edpad\u011b nepoji\u0161t\u011bn\u00e9ho vozidla<\/h2>\n\n\n\n<p>A\u0165 u\u017e je v\u00e1\u0161 postoj k riziku a pojistn\u00fdm produkt\u016fm jak\u00fdkoliv, pokud vlastn\u00edte motorov\u00e9 vozidlo, z\u00e1kon \u010d. 168\/1999 Sb., o poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u00fajmu zp\u016fsobenou provozem vozidla v\u00e1m ned\u00e1v\u00e1 na vybranou. I kdy\u017e va\u0161e motorka nebo auto jen stoj\u00ed v gar\u00e1\u017ei, bez povinn\u00e9ho ru\u010den\u00ed se neobejdete. Novela z\u00e1kona z roku 2018 pak znovu zavedla tzv.<strong> sank\u010dn\u00ed pokuty<\/strong> za provozov\u00e1n\u00ed vozidla bez platn\u00e9ho z\u00e1konn\u00e9ho poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<p>K \u010demu se sank\u010dn\u00ed pokuty pou\u017e\u00edvaj\u00ed? Sank\u010dn\u00ed pokuty jsou jeden ze zdroj\u016f p\u0159\u00edjm\u016f tzv. garan\u010dn\u00edho fondu <strong>garan\u010dn\u00ed fond \u010cesk\u00e9 kancel\u00e1\u0159e pojistitel\u016f (\u010cKP)<\/strong>. Ten slou\u017e\u00ed k \u00fahrad\u011b \u0161kod zp\u016fsoben\u00fdch nepoji\u0161t\u011bn\u00fdmi vozidly.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\" style=\"background-color:#1aaf5e\"><strong>Srovnejte si povinn\u00e9 ru\u010den\u00ed<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Existenci garan\u010dn\u00edho fondu tud\u00ed\u017e ocen\u00edte nap\u0159\u00edklad v situaci, kdy\u017e v\u00e1s nabour\u00e1 \u0159idi\u010d, jen\u017e povinn\u00e9 ru\u010den\u00ed nem\u00e1. Garan\u010dn\u00ed fond v\u00e1s podr\u017e\u00ed i b\u011bhem nehody zp\u016fsoben\u00e9 ukrajinsk\u00fdm vozidlem (na \u00fazem\u00ed \u010cesk\u00e9 republiky), kter\u00fd nem\u00e1 <a href=\"https:\/\/www.rixo.cz\/blog\/zelena-karta-proc-je-bila-a-funguje-elektronicky\/\" target=\"_blank\" rel=\"noopener\" title=\"zelenou kartu\">zelenou kartu<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak vysok\u00e9 jsou sank\u010dn\u00ed pokuty za j\u00edzdu bez poji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n<p>Zastavila v\u00e1s policie a zjistila, \u017ee povinn\u00e9 ru\u010den\u00ed nem\u00e1te. Krom\u011b pokuty budete tak\u00e9 platit sank\u010dn\u00ed p\u0159\u00edsp\u011bvek do garan\u010dn\u00edho fondu. Za ka\u017ed\u00fd den obdob\u00ed, kdy va\u0161e vozidlo nebylo poji\u0161t\u011bno.<\/p>\n\n\n\n<p>V\u00fd\u0161i p\u0159\u00edsp\u011bvku ur\u010duje typ va\u0161eho vozidla. Pokud povinn\u00e9 ru\u010den\u00ed neplat\u00edte \u00famysln\u011b a dlouho, v\u00fdsledn\u00e1 \u010d\u00e1stka snadno p\u0159ekro\u010d\u00ed cenu ro\u010dn\u00ed pojistky. I to je pochopiteln\u011b \u00fa\u010del sazebn\u00edku: motivovat v\u0161echny majitele a provozovatele, aby z\u00e1kon neobch\u00e1zeli a povinn\u00e9 ru\u010den\u00ed poctiv\u011b platili.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Typ automobilu<\/strong><\/td><td><strong>Denn\u00ed sazba<\/strong><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Motocykl se zdvihov\u00fdm objemem v\u00e1lc\u016f motoru do 50 cm<sup>3<\/sup><\/td><td>4 K\u010d<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Motocykl se zdvihov\u00fdm objemem v\u00e1lc\u016f motoru 50 a\u017e 350 cm<sup>3<\/sup><\/td><td>8 K\u010d<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Motocykl s objemem v\u00e1lc\u016f motoru 350 a\u017e 500 cm<sup>3<\/sup><\/td><td>21 K\u010d<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Motocykl s objemem v\u00e1lc\u016f motoru nad 500 cm<sup>3<\/sup><\/td><td>25 K\u010d<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Automobil se zdvihov\u00fdm objemem v\u00e1lc\u016f motoru do 1000 cm<sup>3<\/sup><\/td><td>30 K\u010d<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Automobil se zdvihov\u00fdm objemem v\u00e1lc\u016f motoru 1001 a\u017e 1350 cm<sup>3<\/sup><\/td><td>35 K\u010d<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Automobil se zdvihov\u00fdm objemem v\u00e1lc\u016f motoru 1351 a\u017e 1850 cm<sup>3<\/sup><\/td><td>47 K\u010d<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Automobil se zdvihov\u00fdm objemem v\u00e1lc\u016f motoru 1851 a\u017e 2500 cm<sup>3<\/sup><\/td><td>65 K\u010d<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Automobil se zdvihov\u00fdm objemem v\u00e1lc\u016f motoru nad 2500 cm<sup>3<\/sup><\/td><td>93 K\u010d<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Obytn\u00fd automobil<\/td><td><br>61 K\u010d<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Zdroj: ckp.cz<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Dal\u0161\u00ed rizika spojen\u00e1 s j\u00edzdou bez povinn\u00e9ho ru\u010den\u00ed<\/h2>\n\n\n\n<p>Pokud se stanete \u00fa\u010dastn\u00edkem dopravn\u00ed nehody, p\u0159ipravte se na dal\u0161\u00ed v\u00fddaje. \u010cKP po v\u00e1s bude vym\u00e1hat zp\u016fsobenou \u0161kodu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak se vyhnout sankc\u00edm za nepoji\u0161t\u011bn\u00e9 vozidlo<\/h2>\n\n\n\n<p>Jak sami vid\u00edte, povinn\u00e9 ru\u010den\u00ed se nevyplat\u00ed ignorovat. Sank\u010dn\u00ed pokuta se snadno vy\u0161plh\u00e1 nad cenu ro\u010dn\u00ed pojistky. Co tedy d\u011blat v situaci, kdy svoje vozidlo pou\u017e\u00edv\u00e1te jen sez\u00f3nn\u011b? Jakou alternativu maj\u00ed motork\u00e1\u0159i, kte\u0159\u00ed silnice br\u00e1zd\u00ed jen v l\u00e9t\u011b?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Sjednejte si kr\u00e1tkodob\u00e9 povinn\u00e9 ru\u010den\u00ed<\/h3>\n\n\n\n<p>Povinn\u00e9 ru\u010den\u00ed se typicky sjedn\u00e1v\u00e1 na dobu neur\u010ditou a ro\u010dn\u00ed pojistn\u00e9 obdob\u00ed. Jeho kr\u00e1tkodob\u00e1 varianta v\u0161ak nab\u00edz\u00ed i jin\u00e9 mo\u017enosti, nap\u0159. povinn\u00e9 ru\u010den\u00ed na 14 dn\u00ed nebo na m\u011bs\u00edc. Takov\u00e1 alternativa oslov\u00ed zejm\u00e9na ty \u0159idi\u010de a majitele, kte\u0159\u00ed sv\u00e9 vozidlo cht\u011bj\u00ed jen p\u0159em\u00edstit nebo prodat.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rixo.cz\/blog\/cena-povinneho-ruceni\/\" target=\"_blank\" rel=\"noopener\" title=\"Cena kr\u00e1tkodob\u00e9ho povinn\u00e9ho ru\u010den\u00ed\">Cena kr\u00e1tkodob\u00e9ho povinn\u00e9ho ru\u010den\u00ed<\/a> bude v p\u0159epo\u010dtu na den dra\u017e\u0161\u00ed ne\u017e ve standardn\u00ed, ro\u010dn\u00ed variant\u011b, ale v absolutn\u00ed \u010d\u00e1stce samoz\u0159ejm\u011b vyjde p\u0159\u00edzniv\u011bji.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Vsa\u010fte na sez\u00f3nn\u00ed povinn\u00e9 ru\u010den\u00ed<\/h3>\n\n\n\n<p>Novinka posledn\u00edch let pot\u011b\u0161\u00ed motork\u00e1\u0159e, majitele kabriolet\u016f a dal\u0161\u00ed sez\u00f3nn\u00ed \u0159idi\u010de. Ti mohou vyu\u017e\u00edt sez\u00f3nn\u00edho povinn\u00e9ho ru\u010den\u00ed. Uzav\u00edr\u00e1 se sice na dobu neur\u010ditou jako standardn\u00ed povinn\u00e9 ru\u010den\u00ed, ale vozidlo je poji\u0161t\u011bn\u00e9 jen po dobu n\u011bkolika m\u011bs\u00edc\u016f.&nbsp; Za\u010d\u00e1tek a konec sez\u00f3ny p\u0159esn\u011b stanov\u00ed pojistn\u00e1 smlouva. Mimo stanoven\u00e9 obdob\u00ed na silnici nesm\u00edte.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Odhlaste v\u010das ukraden\u00e9 nebo nepoj\u00edzdn\u00e9 vozidlo<\/h3>\n\n\n\n<p>M\u00e1te v gar\u00e1\u017e\u00ed nepoj\u00edzdn\u00e9 auto? Nebo v\u00e1m vozidlo odcizili? Neodkl\u00e1dejte n\u00e1v\u0161t\u011bvu registru vozidel. Pokud v\u016fz nen\u00ed odhl\u00e1\u0161en\u00fd, jeho majitel mus\u00ed st\u00e1le platit povinn\u00e9 ru\u010den\u00ed. Ne\u010dekejte na upom\u00ednku od \u010cKP. Krom\u011b poplatku do garan\u010dn\u00edho fondu v\u00e1m hroz\u00ed i pokuty od spr\u00e1vn\u00edch org\u00e1n\u016f nebo policie.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dejte svou registra\u010dn\u00ed zna\u010dku do depozitu<\/h3>\n\n\n\n<p>Odj\u00ed\u017ed\u00edte na del\u0161\u00ed dobu do zahrani\u010d\u00ed a nech\u00e1v\u00e1te auto st\u00e1t v gar\u00e1\u017e\u00ed? Je auto po nehod\u011b a oprava zabere del\u0161\u00ed \u010das? Ukon\u010dete svou smlouvu odevzd\u00e1n\u00edm SPZ do depozitu. Po n\u00e1vratu nebo oprav\u011b ji op\u011bt obnov\u00edte.<\/p>\n\n\n\n<div class=\"wp-block-group is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-1 wp-block-group-is-layout-flex\">\n<iframe loading=\"lazy\" height=\"460\" width=\"400\" frameborder=\"0\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/forms\/vehicle-insurance-form\/\"><\/iframe>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Vybrali jste si nejv\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku poji\u0161t\u011bn\u00ed, sjednali si povinn\u00e9 ru\u010den\u00ed, dostali zelenou kartu. Jen\u017ee pojistku jste v n\u00e1sleduj\u00edc\u00edch dvou t\u00fddnech zapomn\u011bli zaplatit. Chybovat je lidsk\u00e9, ale v tomto p\u0159\u00edpad\u011b drah\u00e9. Jak vysok\u00e9 jsou sank\u010dn\u00ed pokuty za j\u00edzdu nepoji\u0161t\u011bn\u00fdm vozidlem?<\/p>\n","protected":false},"author":6,"featured_media":1102,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,6],"tags":[17,22],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1100"}],"collection":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=1100"}],"version-history":[{"count":7,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1100\/revisions"}],"predecessor-version":[{"id":1207,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1100\/revisions\/1207"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1102"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1100"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1100"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1100"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}