{"id":1454,"date":"2023-07-25T10:32:25","date_gmt":"2023-07-25T08:32:25","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1454"},"modified":"2025-09-03T11:59:13","modified_gmt":"2025-09-03T09:59:13","slug":"zapomnel-jsem-zaplatit-povinne-ruceni","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/zapomnel-jsem-zaplatit-povinne-ruceni\/","title":{"rendered":"Zapomn\u011bl jsem zaplatit povinn\u00e9 ru\u010den\u00ed. Co se stane?"},"content":{"rendered":"\n<p>Platba povinn\u00e9ho ru\u010den\u00ed je po splatnosti a obdr\u017eeli jste prvn\u00ed upom\u00ednku od poji\u0161\u0165ovny? Zachovejte chladnou hlavu a p\u0159e\u010dt\u011bte si, jak takovou situaci \u0159e\u0161it a jak\u00e9 n\u00e1sledky pro v\u00e1s m\u00e1 nezaplacen\u00e9 povinn\u00e9 ru\u010den\u00ed. Nebojte, zat\u00edm se nic ned\u011bje.<\/p>\n\n\n\n<p>Pojistn\u00e9 u povinn\u00e9ho ru\u010den\u00ed je v\u017edy ro\u010dn\u00ed. M\u016f\u017eete si ale zvolit, zda zaplat\u00edte pojistn\u00e9 za cel\u00fd rok najednou, nebo platbu rozlo\u017e\u00edte do dvou nebo \u010dty\u0159 plateb. Pokud plat\u00edte celou ro\u010dn\u00ed \u010d\u00e1stku nar\u00e1z, vystavujete se men\u0161\u00edmu riziku zapomenut\u00ed platby. Pokud zvol\u00edte nap\u0159\u00edklad kvart\u00e1ln\u00ed frekvenci plateb pojistn\u00e9ho, pravd\u011bpodobnost opo\u017ed\u011bn\u00e9 platby se zvy\u0161uje. A je\u0161t\u011b k tomu u v\u011bt\u0161iny poji\u0161\u0165oven na povinn\u00e9m ru\u010den\u00ed p\u0159i rozlo\u017een\u00ed plateb zaplat\u00edte v\u00edce.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Zapomn\u011bli jste zaplatit pojistn\u00e9?<\/h2>\n\n\n\n<p>Jedna zapomenut\u00e1 spl\u00e1tka pojistn\u00e9ho pro v\u00e1s na\u0161t\u011bst\u00ed nem\u00e1 dalekos\u00e1hl\u00e9 n\u00e1sledky, pokud jste alespo\u0148 p\u0159edchoz\u00ed platbu d\u0159\u00edve provedli. Z opo\u017ed\u011bn\u00ed o p\u00e1r dn\u016f ani prvn\u00ed upom\u00ednka v e-mailov\u00e9 schr\u00e1nce nen\u00ed nic, z \u010deho byste m\u011bli v\u011b\u0161et hlavu. Va\u0161e povinn\u00e9 ru\u010den\u00ed je st\u00e1le platn\u00e9, s platbou ale neot\u00e1lejte.&nbsp;<\/p>\n\n\n\n<p>Druh\u00e1 upom\u00ednka by v\u00e1s u\u017e m\u011bla varovat. V\u011bt\u0161inou v\u00e1m toti\u017e u\u017e v tomto moment\u011b za\u010dnou nab\u00edhat \u00faroky z prodlen\u00ed. Platit v\u010das se rozhodn\u011b vypl\u00e1c\u00ed. Po \u0159ad\u011b upom\u00ednek v\u00e1s m\u016f\u017ee poji\u0161\u0165ovna upozornit, \u017ee va\u0161e povinn\u00e9 ru\u010den\u00ed bude zru\u0161eno a jak bude vym\u00e1h\u00e1n v\u00e1\u0161 dluh na pojistn\u00e9m.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak\u00e9 sankce hroz\u00ed za neplacen\u00ed povinn\u00e9ho ru\u010den\u00ed?<\/h2>\n\n\n\n<p>Pokud jste i p\u0159es snahu poji\u0161\u0165ovny nezaplatili pojistn\u00e9 povinn\u00e9ho ru\u010den\u00ed, poji\u0161\u0165ovna v\u00e1m po\u0161le v\u00fdpov\u011b\u010f. To znamen\u00e1, \u017ee jste bez pojistky a vznikne v\u00e1m povinnost zaplatit pokutu do Garan\u010dn\u00edho fondu \u010cesk\u00e9 kancel\u00e1\u0159e pojistitel\u016f. Pokuta se stanovuje na z\u00e1klad\u011b denn\u00edch sazeb podle objemu motoru va\u0161eho auta. Pro va\u0161i p\u0159edstavu m\u016f\u017eeme uv\u00e9st, \u017ee se denn\u00ed sazby pr\u016fm\u011brn\u011b pohybuj\u00ed kolem 50 korun. Za del\u0161\u00ed dobu u\u017e se ale sankce p\u011bkn\u011b prodra\u017e\u00ed a v\u017edy je levn\u011bj\u0161\u00ed zaplatit povinn\u00e9 ru\u010den\u00ed ne\u017e n\u00e1sledn\u00e9 pokuty. <\/p>\n\n\n\n<p>Pokud v\u00e1s zkontroluje policie a zjist\u00ed, \u017ee nem\u00e1te sjednan\u00e9 povinn\u00e9 ru\u010den\u00ed, m\u016f\u017eete od roku 2024 dostat pokutu a\u017e 50 000 K\u010d. A to jsme je\u0161t\u011b nezm\u00ednili zp\u016fsoben\u00ed nehody a n\u00e1hradu \u0161kody, kter\u00e1 m\u016f\u017ee j\u00edt v cel\u00e9m rozsahu z va\u0161\u00ed vlastn\u00ed kapsy.\u00a0A n\u00e1hradu \u0161kody v \u0159\u00e1du milion\u016f rozhodn\u011b &#8220;ze sv\u00e9ho&#8221; platit nechcete, \u017ee ano? <\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\" style=\"background-color:#605db5\">Srovnejte si povinn\u00e9 ru\u010den\u00ed<\/a><\/div>\n<\/div>\n\n\n\n<p>Pokud m\u00e1te vozidlo s registra\u010dn\u00ed zna\u010dkou (auto, motorku, sk\u00fatr nebo t\u0159eba \u010dty\u0159kolku), m\u00edt povinn\u00e9 ru\u010den\u00ed je zkr\u00e1tka va\u0161\u00ed z\u00e1konnou povinnost\u00ed. Vyhnout se j\u00ed m\u016f\u017eete jen tak, \u017ee registra\u010dn\u00ed zna\u010dky nepou\u017e\u00edvan\u00e9ho auta odevzd\u00e1te do depozitu na registru vozidel. Pokud se rozhodnete auto zase pou\u017e\u00edvat, kdykoliv si je m\u016f\u017eete vyzvednout. Op\u011bt ale nezapome\u0148te na sjedn\u00e1n\u00ed povinn\u00e9ho ru\u010den\u00ed.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Zapomn\u011bli jste, \u017ee v\u00e1m kon\u010d\u00ed pojistn\u00e1 smlouva<\/h2>\n\n\n\n<p>Smlouvy o povinn\u00e9m ru\u010den\u00ed, kter\u00e9 drtiv\u00e1 v\u011bt\u0161ina \u010desk\u00fdch \u0159idi\u010d\u016f uzav\u00edr\u00e1, se sjedn\u00e1vaj\u00ed na dobu neur\u010ditou. To ale pro orientaci nen\u00ed \u00fapln\u011b intuitivn\u00ed, a proto se neur\u010dit\u00fd \u010dasov\u00fd \u00fasek d\u011bl\u00ed na ro\u010dn\u00ed pojistn\u00e9 obdob\u00ed. Dobrou zpr\u00e1vou pro zapomn\u011btlivce je, \u017ee p\u0159i konci pojistn\u00e9ho obdob\u00ed se smlouva automaticky obnov\u00ed a povinn\u00e9 ru\u010den\u00ed b\u011b\u017e\u00ed nep\u0159eru\u0161en\u011b \u2013 tedy samoz\u0159ejm\u011b pokud pravideln\u011b plat\u00edte pojistn\u00e9.&nbsp;<\/p>\n\n\n\n<p>Povinn\u00e9 ru\u010den\u00ed na dobu ur\u010ditou je sp\u00ed\u0161e v\u00fdjime\u010dn\u00e9 a sjedn\u00e1v\u00e1 se pouze ve specifick\u00fdch p\u0159\u00edpadech. Takov\u00e9 povinn\u00e9 ru\u010den\u00ed pak automaticky kon\u010d\u00ed v den, kter\u00fd m\u00e1te uveden\u00fd ve smlouv\u011b. Ze dne na den tak povinn\u00e9 ru\u010den\u00ed nem\u00e1te a pokud s autem chcete d\u00e1l jezdit, co nejrychleji si sjednejte povinn\u00e9 ru\u010den\u00ed. S na\u0161\u00edm srovn\u00e1va\u010dem to zvl\u00e1dnete do p\u011bti minut od zad\u00e1n\u00ed popt\u00e1vky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kdy\u017e je cena povinn\u00e9ho ru\u010den\u00ed ne\u00fanosn\u00e1<\/h2>\n\n\n\n<p>B\u00fdt vlastn\u00edkem auta n\u011bco stoj\u00ed, ale i na povinn\u00e9m ru\u010den\u00ed m\u016f\u017eete u\u0161et\u0159it. Srovnejte si <a href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\">povinn\u00e9 ru\u010den\u00ed<\/a> on-line a objevte v\u00fdhodn\u00e9 nab\u00eddky poji\u0161t\u011bn\u00ed, kter\u00e9 si m\u016f\u017eete rovnou i sjednat. Najdete tam i slevy a akce, kter\u00e9 v\u00e1m ur\u010dit\u011b p\u0159ijdou vhod. P\u0159i sjedn\u00e1n\u00ed se ned\u00edvejte jen na cenu, ale i na pojistn\u00e9 limity. Pro\u010d? Aby v\u00e1s jednou poji\u0161\u0165ovna nenechala ve \u0161tychu zrovna ve chv\u00edli, kdy ji budete pot\u0159ebovat.&nbsp;<\/p>\n\n\n\n<p>Jen m\u00e1lokdo m\u00e1 ve v\u0161ech sv\u00fdch smlouv\u00e1ch po\u0159\u00e1dek. Elekt\u0159ina, plyn, hypot\u00e9ka, poji\u0161t\u011bn\u00ed\u2026 Je jasn\u00e9, \u017ee v hlav\u011b nem\u016f\u017eete m\u00edt v\u0161echno. S mobiln\u00ed <a href=\"https:\/\/www.rixo.cz\/mobilni-aplikace\/\">aplikac\u00ed RIXO<\/a> m\u016f\u017eete m\u00edt sv\u00e9 pojistn\u00e9 smlouvy na jednom m\u00edst\u011b. Kdykoliv se nav\u00edc m\u016f\u017eete pod\u00edvat, kdy v\u00e1m u auta vypr\u0161\u00ed technick\u00e1 kontrola nebo kdy mus\u00edte zaplatit pojistn\u00e9. Na d\u016fle\u017eit\u00e9 term\u00edny v\u00e1s ale upozorn\u00edme i notifikac\u00ed, aby v\u00e1m u\u017e nikdy nic neuteklo.&nbsp;<\/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=\"450\" 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>Platba povinn\u00e9ho ru\u010den\u00ed je po splatnosti a obdr\u017eeli jste prvn\u00ed upom\u00ednku od poji\u0161\u0165ovny? Zachovejte chladnou hlavu a p\u0159e\u010dt\u011bte si, jak takovou situaci \u0159e\u0161it a jak\u00e9 n\u00e1sledky pro v\u00e1s m\u00e1 nezaplacen\u00e9 povinn\u00e9 ru\u010den\u00ed. Nebojte, zat\u00edm se nic ned\u011bje.<\/p>\n","protected":false},"author":11,"featured_media":1456,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,6],"tags":[17],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1454"}],"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\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=1454"}],"version-history":[{"count":4,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1454\/revisions"}],"predecessor-version":[{"id":3591,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1454\/revisions\/3591"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1456"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1454"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1454"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1454"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}