{"id":2649,"date":"2024-09-18T09:38:46","date_gmt":"2024-09-18T07:38:46","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2649"},"modified":"2024-09-18T10:11:08","modified_gmt":"2024-09-18T08:11:08","slug":"zdrazeni-povinneho-ruceni-co-delat","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/zdrazeni-povinneho-ruceni-co-delat\/","title":{"rendered":"Zdra\u017een\u00ed povinn\u00e9ho ru\u010den\u00ed? Co d\u011blat, kdy\u017e p\u0159ijde v\u00fdro\u010dn\u00ed dopis"},"content":{"rendered":"\n<p>Ka\u017ed\u00fd \u0159idi\u010d zn\u00e1 ten pocit, kdy\u017e otev\u0159e schr\u00e1nku a najde v n\u00ed po roce v\u00fdro\u010dn\u00ed dopis od poji\u0161\u0165ovny. V n\u011bm se toti\u017e dozv\u00ed, kolik ho bude st\u00e1t poji\u0161t\u011bn\u00ed na dal\u0161\u00ed rok. A \u010d\u00edm d\u00e1l \u010dast\u011bji se st\u00e1v\u00e1, \u017ee poji\u0161t\u011bn\u00ed nezlevn\u00ed d\u00edky z\u00edskan\u00fdm bonus\u016fm, ale naopak dojde ke zdra\u017een\u00ed povinn\u00e9ho ru\u010den\u00ed. Jak se s t\u00edm poprat?&nbsp;<\/p>\n\n\n\n<p>A\u0165 u\u017e \u0159\u00edd\u00edte jak\u00e9koliv vozidlo a jezd\u00edte bez nehod, m\u016f\u017eete o\u010dek\u00e1vat, \u017ee se v\u00e1m cena ka\u017ed\u00fd rok zm\u011bn\u00ed. Ke zm\u011bn\u011b ceny <strong>povinn\u00e9ho ru\u010den\u00ed<\/strong> nebo <strong>havarijn\u00edho poji\u0161t\u011bn\u00ed <\/strong>doch\u00e1z\u00ed v\u017edy k za\u010d\u00e1tku nov\u00e9ho pojistn\u00e9ho obdob\u00ed, kter\u00e9 nast\u00e1v\u00e1 automaticky po roce. A m\u016f\u017ee se st\u00e1t, \u017ee v\u00e1s zm\u011bna ceny \u00fapln\u011b nepot\u011b\u0161\u00ed. Pokud se nehodl\u00e1te s vy\u0161\u0161\u00ed platbou za poji\u0161t\u011bn\u00ed sm\u00ed\u0159it a nebudete ot\u00e1let, m\u016f\u017eete u\u0161et\u0159it. Ale pozor, z\u00e1le\u017e\u00ed, pro\u010d v\u00e1m poji\u0161\u0165ovna poji\u0161t\u011bn\u00ed zdra\u017eila. A myslete tak\u00e9 na to, \u017ee \u010das je v t\u00e9to situaci z\u00e1sadn\u00ed.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Vyp\u00e1trejte d\u016fvod zdra\u017een\u00ed<\/h2>\n\n\n\n<p>Pro\u010d v\u00e1m poji\u0161\u0165ovna zdra\u017eila <a href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\">povinn\u00e9 ru\u010den\u00ed<\/a> nebo <a href=\"https:\/\/www.rixo.cz\/havarijni-pojisteni\/\">havarijn\u00ed poji\u0161t\u011bn\u00ed<\/a>? Odpov\u011b\u010f na tuto ot\u00e1zku je d\u016fle\u017eit\u00e1. Zdra\u017een\u00ed toti\u017e m\u016f\u017ee b\u00fdt bu\u010f z d\u016fvodu na stran\u011b poji\u0161\u0165ovny, s n\u00edm\u017e n\u011bco d\u011blat m\u016f\u017eete, nebo na stran\u011b va\u0161\u00ed. Tam u\u017e m\u00e1te man\u00e9vrovac\u00edho prostoru m\u00e9n\u011b.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Zdra\u017een\u00ed povinn\u00e9ho ru\u010den\u00ed po nehod\u011b<\/strong><\/h4>\n\n\n\n<p>Stali jste se v pr\u016fb\u011bhu posledn\u00edho roku <strong>vin\u00edkem dopravn\u00ed nehody<\/strong>? Pak m\u016f\u017eete o\u010dek\u00e1vat, \u017ee se v\u00e1m v dal\u0161\u00edm pojistn\u00e9m obdob\u00ed <strong>\u010d\u00e1ste\u010dn\u011b sma\u017ee v\u00e1\u0161 <\/strong><a href=\"https:\/\/www.rixo.cz\/blog\/jak-funguji-bonusy-povinne-ruceni\/\"><strong>bonus<\/strong><\/a> z beze\u0161kodn\u00edho pr\u016fb\u011bhu poji\u0161t\u011bn\u00ed. To m\u00e1 za n\u00e1sledek i <strong>zv\u00fd\u0161en\u00ed pojistn\u00e9ho<\/strong> v r\u00e1mci povinn\u00e9ho ru\u010den\u00ed a u havarijn\u00edho poji\u0161t\u011bn\u00ed m\u016f\u017ee b\u00fdt zdra\u017een\u00ed je\u0161t\u011b markantn\u011bj\u0161\u00ed.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"643\" src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/themes\/breek\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/09\/automobile-accident-street-1-1.jpg\" alt=\"zdra\u017een\u00ed povinn\u00e9ho ru\u010den\u00ed\" class=\"wp-image-2652\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/09\/automobile-accident-street-1-1.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/09\/automobile-accident-street-1-1-300x193.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/09\/automobile-accident-street-1-1-768x494.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/09\/automobile-accident-street-1-1-100x64.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/09\/automobile-accident-street-1-1-700x450.jpg 700w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">Zdra\u017een\u00ed povinn\u00e9ho ru\u010den\u00ed kv\u016fli vy\u0161\u0161\u00edmu n\u00e1jezdu<\/h4>\n\n\n\n<p>Uzav\u0159eli jste poji\u0161t\u011bn\u00ed s tzv. <strong>n\u00e1jezdovou poji\u0161\u0165ovnou<\/strong>, jako je nap\u0159\u00edklad<strong> Pillow \u010di <\/strong><a href=\"https:\/\/www.rixo.cz\/povinne-ruceni-allianz\/\"><strong>Allianz poji\u0161\u0165ovna<\/strong><\/a>? Pokud jste si p\u0159i sjedn\u00e1n\u00ed zvolili p\u0159\u00edli\u0161 <strong>mal\u00fd ro\u010dn\u00ed n\u00e1jezd<\/strong>, m\u016f\u017ee v\u00e1s p\u0159i <strong>p\u0159es\u00e1hnut\u00ed nahl\u00e1\u0161en\u00fdch kilometr\u016f<\/strong> p\u0159ekvapit nejen nedoplatek, ale i zdra\u017een\u00ed pojistn\u00e9ho. Poji\u0161\u0165ovna v\u00e1m cenu spo\u010d\u00edt\u00e1 podle va\u0161eho posledn\u00edho skute\u010dn\u00e9ho n\u00e1jezdu. Ten si ale samoz\u0159ejm\u011b m\u016f\u017eete pro dal\u0161\u00ed rok upravit. Pokud <strong>nedok\u00e1\u017eete dob\u0159e odhadnout<\/strong>, jak\u00e9 cesty budete podnikat, m\u016f\u017ee pro v\u00e1s b\u00fdt v\u00fdhodn\u011bj\u0161\u00ed <strong>klasick\u00fd model poji\u0161t\u011bn\u00ed bez zohledn\u011bn\u00ed ujet\u00fdch kilometr\u016f<\/strong>.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Zdra\u017een\u00ed povinn\u00e9ho ru\u010den\u00ed kv\u016fli n\u00e1klad\u016fm poji\u0161\u0165ovny<\/h4>\n\n\n\n<p>V posledn\u00ed dob\u011b se poji\u0161\u0165ovny pot\u00fdkaj\u00ed s vy\u0161\u0161\u00edmi n\u00e1klady, kter\u00e9 m\u00e1 na sv\u011bdom\u00ed <strong>vy\u0161\u0161\u00ed vypl\u00e1cen\u00e9 pln\u011bn\u00ed<\/strong>. Kv\u016fli dra\u017e\u0161\u00edm n\u00e1hradn\u00edm d\u00edl\u016fm a tak\u00e9 vy\u0161\u0161\u00ed cen\u011b oprav v servisech se pojistn\u00e9 sice zved\u00e1 plo\u0161n\u011b, ale to neznamen\u00e1, \u017ee se s<strong> dra\u017e\u0161\u00edm poji\u0161t\u011bn\u00edm mus\u00edte sm\u00ed\u0159it<\/strong>. Ka\u017ed\u00e1 poji\u0161\u0165ovna toti\u017e m\u016f\u017ee vstupn\u00ed \u00fadaje tvo\u0159\u00edc\u00ed cenu poji\u0161t\u011bn\u00ed hodnotit jinak, a i <strong>va\u0161e bonusy <\/strong>m\u016f\u017ee ve v\u00fdsledn\u00e9 cen\u011b<strong> zohlednit odli\u0161n\u00fdm zp\u016fsobem<\/strong>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co d\u011blat, kdy\u017e v\u00e1m zdra\u017e\u00ed povinn\u00e9 ru\u010den\u00ed?&nbsp;<\/h2>\n\n\n\n<p>Mysl\u00edte si, \u017ee boj s poji\u0161\u0165ovnou je pro v\u00e1s p\u0159edem prohran\u00fd? Ale kdepak. Pr\u00e1v\u011b p\u0159i ozn\u00e1men\u00ed nov\u00e9 ceny m\u00e1te tu nejlep\u0161\u00ed pozici pro hled\u00e1n\u00ed \u00faspory. Sta\u010d\u00ed k tomu jen 3 kroky.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Srovnejte si nab\u00eddky<\/h3>\n\n\n\n<p>Chcete z\u00edskat p\u0159edstavu o tom, co v\u00e1m trh nab\u00edz\u00ed? Nen\u00ed nic jednodu\u0161\u0161\u00edho ne\u017e si srovnat nab\u00eddky povinn\u00e9ho ru\u010den\u00ed nebo havarijn\u00edho poji\u0161t\u011bn\u00ed online a<strong> b\u011bhem minuty zjistit<\/strong>, za jakou cenu m\u016f\u017eete poji\u0161t\u011bn\u00ed sjednat. Sta\u010d\u00ed v\u00e1m k tomu zn\u00e1t pouze <strong>registra\u010dn\u00ed zna\u010dku<\/strong> va\u0161eho vozidla a zadat p\u00e1r \u00fadaj\u016f o v\u00e1s v\u010detn\u011b <strong>rodn\u00e9ho \u010d\u00edsla<\/strong>, aby se v\u00e1m do nab\u00eddek <strong>zapo\u010d\u00edtaly bonusy a jin\u00e9 slevy <\/strong>nav\u00e1zan\u00e9 na tento identifika\u010dn\u00ed \u00fadaj. Zkuste t\u0159eba <a href=\"https:\/\/www.rixo.cz\/pojisteni-vozidel\/\"><strong>srovn\u00e1n\u00ed na webu<\/strong><\/a> nebo v <a href=\"https:\/\/www.rixo.cz\/mobilni-aplikace\/\"><strong>mobiln\u00ed aplikaci RIXO<\/strong><\/a>.<\/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\n\n\n<h3 class=\"wp-block-heading\">Rozhodn\u011bte se pro zm\u011bnu v\u010das<\/h3>\n\n\n\n<p>Na\u0161li jste v\u00fdhodn\u00e9 poji\u0161t\u011bn\u00ed? Gratulujeme! Nezapome\u0148te, \u017ee pokud chcete sv\u00e9<strong> poji\u0161t\u011bn\u00ed zm\u011bnit<\/strong>, m\u00e1te na to<strong> omezen\u00fd \u010das<\/strong>. Sv\u00e9 st\u00e1vaj\u00edc\u00ed poji\u0161t\u011bn\u00ed toti\u017e nem\u016f\u017eete ukon\u010dit jen tak, alespo\u0148 tedy u v\u011bt\u0161iny poji\u0161\u0165oven. Po\u010d\u00edtejte s t\u00edm, \u017ee v\u00fdpov\u011b\u010f budete poji\u0161\u0165ovn\u011b zas\u00edlat <strong>nejpozd\u011bji 6 t\u00fddn\u016f<\/strong> p\u0159ed koncem pojistn\u00e9ho obdob\u00ed, p\u0159\u00edpadn\u011b <strong>do 30 dn\u00ed od obdr\u017een\u00ed v\u00fdro\u010dn\u00edho dopisu, kde v\u00e1m bylo ozn\u00e1meno zdra\u017een\u00ed<\/strong>. Pokud byste term\u00edn v\u00fdpov\u011bdi nestihli, poji\u0161t\u011bn\u00ed bude automaticky prodlou\u017eeno. V\u00fdjimkou z tohoto zlat\u00e9ho pravidla je poji\u0161\u0165ovna<strong> <\/strong><a href=\"https:\/\/www.rixo.cz\/povinne-ruceni-direct\/\"><strong>Direct<\/strong><\/a>, u n\u00ed\u017e m\u016f\u017eete poji\u0161t\u011bn\u00ed<strong> vypov\u011bd\u011bt kdykoliv<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Zp\u016fsob\u016f vypov\u011bzen\u00ed poji\u0161t\u011bn\u00ed m\u00e1te na v\u00fdb\u011br n\u011bkolik, v\u011bt\u0161in\u011b poji\u0161\u0165oven sta\u010d\u00ed zaslat <strong>v\u00fdpov\u011b\u010f e-mailem<\/strong>, n\u011bkter\u00e9 na to maj\u00ed sv\u016fj vlastn\u00ed<strong> online formul\u00e1\u0159<\/strong>. Pokud nev\u00edte, jak m\u00e1 takov\u00e1 v\u00fdpov\u011b\u010f vypadat, vyu\u017eijte <a href=\"https:\/\/app.rixo.cz\/vypoved-smlouvy-online\/\" target=\"_blank\" rel=\"noopener\"><strong>gener\u00e1tor v\u00fdpov\u011bdi<\/strong><\/a> na webu RIXO.cz. Sta\u010d\u00ed vyplnit dotazn\u00edk, v\u00fdpov\u011b\u010f<strong> podepsat my\u0161\u00ed <\/strong>a<strong> zaslat<\/strong> podle zobrazen\u00fdch instrukc\u00ed <strong>do poji\u0161\u0165ovny<\/strong>.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Sjednejte nov\u00e9 poji\u0161t\u011bn\u00ed<\/h3>\n\n\n\n<p>M\u00e1te p\u0159ed sebou <strong>n\u00e1vrh nov\u00e9 pojistn\u00e9 smlouvy<\/strong>? Zkontrolujte, zda jsou v\u0161echny \u00fadaje na n\u00e1vrhu smlouvy uveden\u00e9 spr\u00e1vn\u011b a <strong>zapla\u0165te pojistn\u00e9<\/strong> podle instrukc\u00ed poji\u0161\u0165ovny. Ale pozor, platba mus\u00ed do poji\u0161\u0165ovny dorazit <strong>do dne po\u010d\u00e1tku poji\u0161t\u011bn\u00ed<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Pokud u\u017e se bl\u00ed\u017e\u00ed konec pojistn\u00e9ho obdob\u00ed u p\u016fvodn\u00ed pojistky a chcete b\u00fdt poji\u0161t\u011bn\u00ed ihned, abyste mohli vyjet do provozu, preferujte <strong>platbu kartou<\/strong> nebo <strong>okam\u017eitou platbou<\/strong> z va\u0161eho internetov\u00e9ho bankovnictv\u00ed. Poji\u0161\u0165ovna tak ihned platbu za\u00fa\u010dtuje a za\u0161le v\u00e1m do e-mailu potvrzen\u00ed o uzav\u0159en\u00ed smlouvy i zelenou kartu. A m\u00e1te hotovo!&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ka\u017ed\u00fd \u0159idi\u010d zn\u00e1 ten pocit, kdy\u017e otev\u0159e schr\u00e1nku a najde v n\u00ed po roce v\u00fdro\u010dn\u00ed dopis od poji\u0161\u0165ovny. V n\u011bm se toti\u017e dozv\u00ed, kolik ho bude st\u00e1t poji\u0161t\u011bn\u00ed na dal\u0161\u00ed rok. A \u010d\u00edm d\u00e1l \u010dast\u011bji se st\u00e1v\u00e1, \u017ee poji\u0161t\u011bn\u00ed nezlevn\u00ed d\u00edky z\u00edskan\u00fdm bonus\u016fm, ale naopak dojde ke zdra\u017een\u00ed povinn\u00e9ho ru\u010den\u00ed.<\/p>\n","protected":false},"author":11,"featured_media":2651,"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\/2649"}],"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=2649"}],"version-history":[{"count":3,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2649\/revisions"}],"predecessor-version":[{"id":2657,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2649\/revisions\/2657"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/2651"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2649"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2649"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2649"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}