{"id":2685,"date":"2024-10-01T09:59:22","date_gmt":"2024-10-01T07:59:22","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2685"},"modified":"2025-02-21T09:09:28","modified_gmt":"2025-02-21T08:09:28","slug":"povinne-ruceni-od-1-rijna-2024","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/povinne-ruceni-od-1-rijna-2024\/","title":{"rendered":"Povinn\u00e9 ru\u010den\u00ed od 1. \u0159\u00edjna 2024: Co mus\u00edte v\u011bd\u011bt?"},"content":{"rendered":"\n

Pr\u00e1v\u011b uzav\u00edr\u00e1te povinn\u00e9 ru\u010den\u00ed s okam\u017eitou platnost\u00ed? Pokud nezaplat\u00edte ihned, poji\u0161t\u011bn\u00ed nevznikne. Zlat\u00e9 pravidlo: aby<\/strong> smlouva vznikla a vozidlo bylo poji\u0161t\u011bn\u00e9<\/strong>, mus\u00ed b\u00fdt pojistn\u00e9 zaplacen\u00e9 v\u017edy nejpozd\u011bji k datu po\u010d\u00e1tku poji\u0161t\u011bn\u00ed<\/strong>. <\/p>\n\n\n\n

U n\u011bkter\u00fdch poji\u0161\u0165oven m\u016f\u017ee b\u00fdt p\u0159i pozd\u011bj\u0161\u00ed platb\u011b datum po\u010d\u00e1tku poji\u0161t\u011bn\u00ed je\u0161t\u011b o p\u00e1r dn\u00ed odlo\u017eeno<\/strong>, u jin\u00fdch zase cel\u00fd n\u00e1vrh smlouvy zanikne<\/strong>. P\u0159in\u00e1\u0161\u00edme p\u0159ehled, jak bude tzv. plovouc\u00ed po\u010d\u00e1tek fungovat u \u010desk\u00fdch poji\u0161\u0165oven.<\/strong> <\/p>\n\n\n\n

M\u00edt nepoji\u0161t\u011bn\u00e9 vozidlo je kv\u016fli zrychlen\u00ed procesu sjedn\u00e1v\u00e1n\u00ed poji\u0161t\u011bn\u00ed v\u011bt\u0161\u00ed hrozbou<\/strong> ne\u017e d\u0159\u00edve. S nov\u00fdm z\u00e1konem se toti\u017e neuplatn\u00ed \u017e\u00e1dn\u00fd limit pro vym\u00e1h\u00e1n\u00ed \u0161kod, kter\u00fd v minulosti \u010dinil 300 000 K\u010d. P\u0159i zp\u016fsoben\u00ed nehody nepoji\u0161t\u011bn\u00fdm vozidlem se nyn\u00ed po vin\u00edkovi m\u016f\u017ee vym\u00e1hat n\u00e1hrada \u0161kod bez limitu<\/strong>.<\/p>\n\n\n\n

Poji\u0161t\u011bn\u00ed bez platby nevznikne, zmatek mohou zp\u016fsobit i plovouc\u00ed po\u010d\u00e1tky<\/h2>\n\n\n\n

Zrychlen\u00ed sjedn\u00e1n\u00ed povinn\u00e9ho ru\u010den\u00ed a online p\u0159enos dat do datab\u00e1ze \u010cesk\u00e9 kancel\u00e1\u0159e pojistitel\u016f sice znamen\u00e1, \u017ee zelen\u00e1 karta ji\u017e nen\u00ed pot\u0159eba<\/strong>, ale p\u0159in\u00e1\u0161\u00ed tak\u00e9 nov\u00e1 rizika. Bez v\u00fdjimek plat\u00ed, \u017ee povinn\u00e9 ru\u010den\u00ed<\/a> nevznikne, pokud nebude p\u0159ed datem po\u010d\u00e1tku poji\u0161t\u011bn\u00ed uhrazena \u010d\u00e1stka uveden\u00e1 v n\u00e1vrhu smlouvy (tzv. lh\u016ftn\u00ed pojistn\u00e9). N\u011bkter\u00e9 poji\u0161\u0165ovny<\/strong> ale tak\u00e9 operuj\u00ed s odlo\u017een\u00fdm (plovouc\u00edm) po\u010d\u00e1tkem<\/strong>. Ten m\u016f\u017ee n\u011bkter\u00e9 \u0159idi\u010de zm\u00e1st. <\/p>\n\n\n\n

Plovouc\u00ed po\u010d\u00e1tek m\u016f\u017ee d\u00e1vat \u0159idi\u010d\u016fm fale\u0161nou nad\u011bji, \u017ee jsou poji\u0161t\u011bni u\u017e p\u0159edt\u00edm, ne\u017e pojistn\u00e9 zaplat\u00ed. Tak to ale nen\u00ed. Plovouc\u00ed po\u010d\u00e1tek pouze znamen\u00e1, \u017ee n\u00e1vrh smlouvy nezanikne, pokud nebude pojistn\u00e9 zaplaceno k p\u016fvodn\u011b stanoven\u00e9mu datu splatnosti. Po proveden\u00ed okam\u017eit\u00e9 platby do 7 dn\u016f, p\u0159\u00edpadn\u011b 14 dn\u016f u Poji\u0161\u0165ovny VZP, se pak po\u010d\u00e1tek poji\u0161t\u011bn\u00ed automaticky posune na datum za\u00fa\u010dtov\u00e1n\u00ed platby v poji\u0161\u0165ovn\u011b. Nejbezpe\u010dn\u011bj\u0161\u00ed je proto \u00fahrada pomoc\u00ed platebn\u00ed br\u00e1ny poji\u0161\u0165ovny<\/strong>.<\/p>\n\n\n\n

V mezidob\u00ed, kdy \u0159idi\u010di nemaj\u00ed jin\u00e9 platn\u00e9 poji\u0161t\u011bn\u00ed k vozidlu a platba nebyla uhrazena, jim mohou nask\u00e1kat dlu\u017en\u00e9 p\u0159\u00edsp\u011bvky do garan\u010dn\u00edho fondu \u010cKP za nepoji\u0161t\u011bn\u00e9 vozidlo, i kdy\u017e na silnici v\u016fbec nevyjedou. <\/p>\n\n\n\n

P\u0159ehled plovouc\u00edch po\u010d\u00e1tk\u016f u jednotliv\u00fdch poji\u0161\u0165oven<\/h3>\n\n\n\n
Poji\u0161\u0165ovna<\/strong><\/td>Umo\u017e\u0148uje plovouc\u00ed po\u010d\u00e1tek?<\/strong><\/td>O kolik dn\u00ed je mo\u017en\u00e9 odlo\u017eit platbu a po\u010d\u00e1tek?<\/strong><\/td><\/tr>
Allianz<\/td>Ano<\/td>7 kalend\u00e1\u0159n\u00edch dn\u016f<\/td><\/tr>
\u010cSOB<\/td>Ne<\/strong><\/td>–<\/td><\/tr>
\u010cPP<\/td>Ne<\/strong><\/td>–<\/td><\/tr>
Direct<\/td>Ano<\/td>7 kalend\u00e1\u0159n\u00edch dn\u016f<\/td><\/tr>
Generali \u010cesk\u00e1 poji\u0161\u0165ovna<\/td>Ne<\/strong><\/td>–<\/td><\/tr>
Kooperativa<\/td>Ne<\/strong><\/td>– <\/td><\/tr>
Pillow<\/td>Ano<\/td>7 kalend\u00e1\u0159n\u00edch dn\u016f<\/td><\/tr>
PVZP<\/td>Ano<\/td>14 kalend\u00e1\u0159n\u00edch dn\u016f<\/td><\/tr>
Slavia<\/td>Ne<\/strong><\/td>–<\/td><\/tr>
UNIQA<\/td>Ne<\/strong><\/td>–<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Vym\u00e1h\u00e1n\u00ed \u0161kod zp\u016fsoben\u00fdch nepoji\u0161t\u011bn\u00fdm vozidlem bez limitu<\/h2>\n\n\n\n

\u0158idi\u010di by si na datum platnosti sv\u00e9ho poji\u0161t\u011bn\u00ed m\u011bli d\u00e1t je\u0161t\u011b v\u011bt\u0161\u00ed pozor ne\u017e d\u0159\u00edve. Nem\u011bn\u00ed se nic na tom, \u017ee za nepoji\u0161t\u011bn\u00e9 vozidlo se plat\u00ed jak p\u0159\u00edsp\u011bvky do garan\u010dn\u00edho fondu \u010cesk\u00e9 kancel\u00e1\u0159e pojistitel\u016f<\/strong>, tak i pokuta<\/strong> a\u017e do v\u00fd\u0161e 50 000 K\u010d, kterou m\u016f\u017ee p\u0159i silni\u010dn\u00ed kontrole nebo ve spr\u00e1vn\u00edm \u0159\u00edzen\u00ed ulo\u017eit policie. <\/p>\n\n\n\n

Z\u00e1va\u017en\u011bj\u0161\u00ed n\u00e1sledky ale m\u016f\u017ee m\u00edt zp\u016fsoben\u00ed nehody nepoji\u0161t\u011bn\u00fdm vozidlem, <\/strong>co\u017e se kv\u016fli zrychlen\u00ed sjedn\u00e1v\u00e1n\u00ed povinn\u00e9ho ru\u010den\u00ed m\u016f\u017ee snadno st\u00e1t. Nezapome\u0148te, \u017ee z nov\u00e9ho z\u00e1kona zmizel ochrann\u00fd limit 300 000 K\u010d pro regresn\u00ed n\u00e1rok \u010cKP<\/strong> v\u016f\u010di provozovateli nepoji\u0161t\u011bn\u00e9ho vozidla. <\/p>\n\n\n\n

Limit pro vym\u00e1h\u00e1n\u00ed n\u00e1hrady \u0161kod na zdrav\u00ed a majetku byl do star\u00e9ho z\u00e1kona o poji\u0161t\u011bn\u00ed odpov\u011bdnosti z provozu vozidla v\u010dlen\u011bn novelou s \u00fa\u010dinnost\u00ed od 1.1.2018. \u010cKP mohla zp\u011btn\u011b  vym\u00e1hat jen \u2153 v\u00fd\u0161e zp\u016fsoben\u00e9 \u0161kody, kter\u00e1 byla nav\u00edc zastropov\u00e1na maxim\u00e1ln\u00ed v\u00fd\u0161\u00ed 300 000 K\u010d. V nov\u00e9m z\u00e1kon\u011b se ale \u017e\u00e1dn\u00e9 omezen\u00ed regresn\u00edho n\u00e1roku \u010cKP nestanovuje. <\/strong>\u0158idi\u010di by proto v\u010dasn\u00e9 zaplacen\u00ed povinn\u00e9ho ru\u010den\u00ed nem\u011bli br\u00e1t na lehkou v\u00e1hu. <\/p>\n\n\n\n

Sta\u010d\u00ed jeden ne\u0161\u0165astn\u00fd okam\u017eik a v\u00fd\u0161e n\u00e1hrady \u0161kody se m\u016f\u017ee vy\u0161plhat na skute\u010dn\u011b likvida\u010dn\u00ed \u010d\u00e1stku. Zvl\u00e1\u0161\u0165 pokud dojde k z\u00e1va\u017en\u00e9 \u00fajm\u011b na zdrav\u00ed po\u0161kozen\u00e9ho nebo n\u00e1hradu \u0161kody n\u00e1rokuje dokonce v\u00edce po\u0161kozen\u00fdch osob.  <\/p>\n\n\n\n

A kde naj\u00edt to nejv\u00fdhodn\u011bj\u0161\u00ed povinn\u00e9 ru\u010den\u00ed? Srovnejte si nab\u00eddky cel\u00e9 \u0159ady poji\u0161\u0165oven b\u011bhem minuty na RIXO.cz!<\/p>\n\n\n\n

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