{"id":2173,"date":"2024-03-18T09:24:26","date_gmt":"2024-03-18T08:24:26","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2173"},"modified":"2024-03-18T09:24:27","modified_gmt":"2024-03-18T08:24:27","slug":"jak-funguji-bonusy-povinne-ruceni","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/jak-funguji-bonusy-povinne-ruceni\/","title":{"rendered":"Jak funguj\u00ed bonusy a pro\u010d si povinn\u00e9 ru\u010den\u00ed nesrovn\u00e1te bez rodn\u00e9ho \u010d\u00edsla?"},"content":{"rendered":"\n

Ur\u010dit\u011b v\u00edte, \u017ee cenu va\u0161eho povinn\u00e9ho ru\u010den\u00ed ovliv\u0148uje cel\u00e1 \u0159ada r\u016fzn\u00fdch faktor\u016f. A mezi nimi je i v\u00e1\u0161 vyje\u017ed\u011bn\u00fd bonus. Jak v\u016fbec bonusy funguj\u00ed, m\u016f\u017eete n\u011bjak sv\u00e9 bonusy zjistit a jakou roli v tom v\u0161em hraje rodn\u00e9 \u010d\u00edslo? V\u0161e v\u00e1m vysv\u011btl\u00edme v na\u0161em \u010dl\u00e1nku. <\/p>\n\n\n\n

Bonusy a malusy hraj\u00ed v\u00fdznamnou roli<\/strong> v ur\u010dov\u00e1n\u00ed ceny povinn\u00e9ho ru\u010den\u00ed<\/strong><\/a> u jak\u00e9hokoliv vozidla. Cenu nav\u00edc mohou va\u0161e bonusy ovlivnit je\u0161t\u011b v\u00fdrazn\u011bji, ne\u017e t\u0159eba model a st\u00e1\u0159\u00ed vozidla, m\u00edsto va\u0161eho trval\u00e9ho bydli\u0161t\u011b nebo t\u0159eba v\u00e1\u0161 v\u011bk. S maxim\u00e1ln\u00edmi bonusy pro v\u00e1s toti\u017e m\u016f\u017ee b\u00fdt cena povinn\u00e9ho ru\u010den\u00ed klidn\u011b i o polovinu ni\u017e\u0161\u00ed<\/strong>. <\/p>\n\n\n\n

Jak funguj\u00ed bonusy a malusy? <\/h2>\n\n\n\n

Bonusy p\u0159edstavuj\u00ed slevu ze z\u00e1kladn\u00ed ceny povinn\u00e9ho ru\u010den\u00ed, kter\u00fdmi poji\u0161\u0165ovny ohodnot\u00ed v\u00e1\u0161 beze\u0161kodn\u00ed pr\u016fb\u011bh z d\u0159\u00edv\u011bj\u0161\u00edho poji\u0161t\u011bn\u00ed. To znamen\u00e1, \u017ee \u010d\u00edm v\u00edce m\u011bs\u00edc\u016f<\/strong> nebo let jste \u0159\u00eddili bez nehody, t\u00edm vy\u0161\u0161\u00ed slevu<\/strong> m\u016f\u017eete o\u010dek\u00e1vat. Ale pozor, zapo\u010d\u00edt\u00e1vaj\u00ed se jen takov\u00e1 obdob\u00ed, kdy jste m\u011bli sjednan\u00e9 povinn\u00e9 ru\u010den\u00ed<\/a> tzv. \u201cna sebe\u201d. Z\u00e1znamy o beze\u0161kodn\u00edm pr\u016fb\u011bhu se toti\u017e v\u017edy vztahuj\u00ed k pojistn\u00edkovi<\/strong>, tedy k \u010dlov\u011bku, kter\u00fd pojistnou smlouvu sjednal. Pokud jste \u0159\u00eddili auto u\u017e n\u011bkolik let bez nehod, ale smlouvu o poji\u0161t\u011bn\u00ed jste nesjedn\u00e1vali vy, \u017e\u00e1dn\u00e9 bonusy nesb\u00edr\u00e1te. A pokud byste se rozhodli napsat v\u0161e na sebe, za\u010d\u00edn\u00e1te od nuly.\u00a0<\/p>\n\n\n\n

Z toho tak\u00e9 vypl\u00fdv\u00e1, \u017ee bonusy v\u017edy n\u00e1le\u017e\u00ed k jedn\u00e9 osob\u011b<\/strong>, ne k vozidlu<\/strong>. A\u0165 u\u017e tedy p\u0159esedl\u00e1te z jednoho osobn\u00edho auta na druh\u00e9, nebo rovnou vym\u011bn\u00edte auto za motorku \u010di sk\u00fatr, v\u00e1\u0161 bonus nikam nezmiz\u00ed. Zkr\u00e1tka se v r\u00e1mci poji\u0161t\u011bn\u00ed jak\u00e9koliv vozidla zapo\u010d\u00edt\u00e1, a to i v p\u0159\u00edpad\u011b, \u017ee poji\u0161\u0165ujete v\u00edce vozidel najednou. Ov\u0161em m\u011bjte na pam\u011bti, \u017ee \u00fapln\u011b stejn\u011b<\/strong> funguje i malus<\/strong>. <\/p>\n\n\n\n

Malus je p\u0159ir\u00e1\u017ekou <\/strong>k pojistn\u00e9mu, kterou v\u00e1m poji\u0161\u0165ovna zapo\u010d\u00edt\u00e1 do pojistn\u00e9ho kv\u016fli d\u0159\u00edv\u011bj\u0161\u00ed \u0161kodn\u00ed ud\u00e1losti. Mluv\u00edme zde o dopravn\u00ed nehod\u011b, kterou jste zp\u016fsobili vy<\/strong>. Pokud jste jednou \u0161kodn\u00ed ud\u00e1lost\u00ed p\u0159eru\u0161ili l\u00e9ta \u0159\u00edzen\u00ed bez nehod, ode\u010dte se v\u00e1m beze\u0161kodn\u00ed pr\u016fb\u011bh v d\u00e9lce 12 a\u017e klidn\u011b 36 m\u011bs\u00edc\u016f<\/strong>. Rozhodn\u011b tedy nep\u0159ijdete o celou slevu<\/strong> ani nedostanete p\u0159ir\u00e1\u017eku nav\u00edc, ale m\u00edrn\u00e9 zv\u00fd\u0161en\u00ed pojistn\u00e9ho oproti d\u0159\u00edv\u011bj\u0161\u00edmu pojistn\u00e9mu obdob\u00ed v\u00e1s kv\u016fli ode\u010dten\u00ed 2 let bonus\u016f nemine. A pokud jste svou \u0159idi\u010dskou \u201ckari\u00e9ru\u201d rovnou zah\u00e1jili nehodou, nebo dokonce n\u011bkolika boura\u010dkami, m\u016f\u017eete vyfasovat a\u017e 150% p\u0159ir\u00e1\u017eku <\/strong>k z\u00e1kladn\u00edmu pojistn\u00e9mu.<\/p>\n\n\n\n

\"Jak<\/figure>\n\n\n\n

Jakou slevu s bonusy z\u00edsk\u00e1te? <\/h2>\n\n\n\n

Z\u00e1kladem bonus\u016f jsou z\u00e1znamy za beze\u0161kodn\u00ed pr\u016fb\u011bh, kter\u00fd se po\u010d\u00edt\u00e1 v m\u011bs\u00edc\u00edch. I kdy\u017e ale m\u00e1te za svou \u0159idi\u010dskou historii nasb\u00edr\u00e1no t\u0159eba 500 m\u011bs\u00edc\u016f bez nehod, nem\u011bli byste si myslet, \u017ee poji\u0161\u0165ovna v\u00e1m d\u00e1 povinn\u00e9 ru\u010den\u00ed \u201cskoro zadarmo\u201d. V\u017edy si toti\u017e sama konkr\u00e9tn\u00ed poji\u0161\u0165ovna<\/strong> m\u016f\u017ee ur\u010dit strop zapo\u010d\u00edtan\u00fdch m\u011bs\u00edc\u016f a z\u00edskan\u00e9 slevy.<\/strong> Zpravidla se zapo\u010d\u00edt\u00e1v\u00e1 120 m\u011bs\u00edc\u016f bez nehod<\/strong> a nejv\u00fd\u0161e pak lze dos\u00e1hnout 50% slevy<\/strong> ze z\u00e1kladn\u00ed ceny poji\u0161t\u011bn\u00ed. <\/p>\n\n\n\n

Nemus\u00edte se b\u00e1t, \u017ee by v\u00e1m va\u0161e poji\u0161\u0165ovna \u017e\u00e1dn\u00e9 bonusy v cen\u011b neprom\u00edtla. V\u0161echny poji\u0161\u0165ovny toti\u017e maj\u00ed ze z\u00e1kona povinnost<\/strong> (beze)\u0161kodn\u00ed pr\u016fb\u011bh d\u0159\u00edv\u011bj\u0161\u00edch poji\u0161t\u011bn\u00ed v cen\u011b zohlednit<\/strong>. Ale jak\u00fdm zp\u016fsobem? To u\u017e je jen a pouze na poji\u0161\u0165ovn\u011b. Ka\u017edop\u00e1dn\u011b p\u0159i zm\u011bn\u011b poji\u0161\u0165ovny se v\u016fbec nemus\u00edte starat o n\u011bjak\u00fd \u201cp\u0159evod bonus\u016f\u201d, v\u0161e prob\u00edh\u00e1 automaticky v poji\u0161\u0165ovn\u011b prost\u0159ednictv\u00edm datab\u00e1ze \u010cesk\u00e9 kancel\u00e1\u0159e pojistitel\u016f. <\/p>\n\n\n\n

Pro\u010d se p\u0159i srovn\u00e1v\u00e1n\u00ed a sjedn\u00e1v\u00e1n\u00ed poji\u0161t\u011bn\u00ed neobejdete bez rodn\u00e9ho \u010d\u00edsla? <\/h2>\n\n\n\n

Rodn\u00e9 \u010d\u00edslo je jedine\u010dn\u00fdm identifik\u00e1torem, kter\u00fd slou\u017e\u00ed mimo jin\u00e9 i k nav\u00e1z\u00e1n\u00ed va\u0161ich bonus\u016f k va\u0161\u00ed osob\u011b v datab\u00e1zi \u010cKP<\/strong>. Pr\u00e1v\u011b tam se pod va\u0161\u00edm rodn\u00fdm \u010d\u00edslem a k\u0159estn\u00edm jm\u00e9nem skr\u00fdv\u00e1 v\u00e1\u0161 beze\u0161kodn\u00ed pr\u016fb\u011bh zaznamenan\u00fd v m\u011bs\u00edc\u00edch, kter\u00fd poji\u0161\u0165ovna vyu\u017eije pro vypo\u010d\u00edt\u00e1n\u00ed v\u00fd\u0161e slevy \u010di p\u0159ir\u00e1\u017eky. <\/p>\n\n\n\n

Pokud po v\u00e1s tedy srovn\u00e1va\u010d \u010di poji\u0161\u0165ovna chce do online formul\u00e1\u0159e zadat va\u0161e rodn\u00e9 \u010d\u00edslo<\/strong>, neznamen\u00e1 to, \u017ee z v\u00e1s chce vyl\u00e1mat osobn\u00ed \u00fadaje a zneu\u017e\u00edt je. Naopak v\u00e1m nechce ukazovat cenu, kter\u00e1 by pro v\u00e1s v\u016fbec nebyla relevantn\u00ed<\/strong>. Rovnou v\u00e1m v kalkula\u010dce po zad\u00e1n\u00ed rodn\u00e9ho \u010d\u00edsla<\/strong> automaticky zobraz\u00ed re\u00e1lnou cenu poji\u0161t\u011bn\u00ed<\/strong>, jakou skute\u010dn\u011b budete platit. Bu\u010fte tedy v klidu a rodn\u00e9 \u010d\u00edslo do formul\u00e1\u0159e s klidem zadejte. Z\u00edsk\u00e1te tak odpov\u00eddaj\u00edc\u00ed nab\u00eddky. A nemus\u00edte se b\u00e1t \u017e\u00e1dn\u00e9ho nebezpe\u010d\u00ed, osobn\u00ed \u00fadaje jak\u00e1koliv poji\u0161\u0165ovac\u00ed slu\u017eba (nebo alespo\u0148 RIXO.cz) chr\u00e1n\u00ed velice sv\u011bdomit\u011b. <\/p>\n\n\n\n

Jak zjistit sv\u00e9 bonusy? <\/h2>\n\n\n\n

Vzhledem k tomu, \u017ee v\u00fd\u0161i slevy (nebo p\u0159ir\u00e1\u017eky) ur\u010duje poji\u0161\u0165ovna<\/strong> na z\u00e1klad\u011b va\u0161\u00ed \u0159idi\u010dsk\u00e9 historie z\u00edskan\u00e9 z \u010cKP, zaj\u00edmat v\u00e1s bude p\u0159edev\u0161\u00edm po\u010det va\u0161ich evidovan\u00fdch m\u011bs\u00edc\u016f bez nehod, p\u0159\u00edpadn\u011b po\u010det pojistn\u00fdch ud\u00e1lost\u00ed . Datab\u00e1ze \u010cKP<\/strong><\/a> je bohu\u017eel b\u011b\u017en\u00fdm smrteln\u00edk\u016fm nep\u0159\u00edstupn\u00e1<\/strong> a p\u0159\u00edstup k n\u00ed maj\u00ed pouze poji\u0161\u0165ovny. Mus\u00edte tedy po sv\u00e9m beze\u0161kodn\u00edm pr\u016fb\u011bhu p\u00e1trat p\u0159\u00edmo s pomoc\u00ed poji\u0161\u0165ovny<\/strong>, u kter\u00e9 m\u00e1te vozidlo poji\u0161t\u011bn\u00e9. <\/p>\n\n\n\n

Poji\u0161\u0165ovna m\u00e1 v\u017edy ze z\u00e1kona povinnost v\u00e1m na \u017e\u00e1dost vystavit potvrzen\u00ed o bonusech, a to ve lh\u016ft\u011b do 15 dn\u00ed od pod\u00e1n\u00ed va\u0161\u00ed \u017e\u00e1dosti<\/strong>. Moc v\u00e1m ale pravd\u011bpodobn\u011b z\u00edskan\u00fd \u00fadaj o m\u011bs\u00edc\u00edch bez nehod ne\u0159ekne. Uvid\u00edte jen po\u010det m\u011bs\u00edc\u016f poji\u0161t\u011bn\u00ed <\/strong>a po\u010det zavin\u011bn\u00fdch \u0161kodn\u00edch ud\u00e1lost\u00ed z povinn\u00e9ho ru\u010den\u00ed<\/strong>, nedozv\u00edte se ale nic o metodice, na jej\u00edm\u017e z\u00e1klad\u011b poji\u0161\u0165ovna po\u010d\u00edt\u00e1 slevu. Jedin\u00e1 cesta, jak ze sv\u00e9ho bonusu \u201cvyt\u0159\u00edskat\u201d co nejv\u011bt\u0161\u00ed \u00fasporu, je srovn\u00e1n\u00ed nab\u00eddek<\/strong> r\u016fzn\u00fdch poji\u0161\u0165oven a detailn\u00ed proch\u00e1zen\u00ed z\u00edskan\u00fdch kalkulac\u00ed. Ale i zde plat\u00ed, \u017ee ne ka\u017ed\u00e1 poji\u0161\u0165ovna v\u00e1m prozrad\u00ed, jak vysokou slevu z beze\u0161kodn\u00edho pr\u016fb\u011bhu poji\u0161t\u011bn\u00ed zapo\u010d\u00edtala do ceny pojistn\u00e9ho. <\/p>\n\n\n\n

Chcete v\u011bd\u011bt, kolik v\u00e1s bude st\u00e1t povinn\u00e9 ru\u010den\u00ed<\/a> se zapo\u010dten\u00fdmi bonusy? Na RIXO.cz to je samoz\u0159ejmost.<\/strong> \u017d\u00e1dn\u00e9 ceny \u201cod\u2026\u201d tady nenajdete.  Sta\u010d\u00ed jen do formul\u00e1\u0159e zadat SPZ, doplnit p\u00e1r \u00fadaj\u016f o v\u00e1s a do minuty <\/strong>si m\u016f\u017eete prohl\u00ed\u017eet ty nejlep\u0161\u00ed nab\u00eddky od cel\u00e9 \u0159ady poji\u0161\u0165oven. Tak poj\u010fte na to.<\/p>\n\n\n\n

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