{"id":4472,"date":"2026-08-24T11:06:15","date_gmt":"2026-08-24T09:06:15","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=4472"},"modified":"2026-08-24T11:06:21","modified_gmt":"2026-08-24T09:06:21","slug":"jak-zjistit-zaplacene-povinne-ruceni","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/jak-zjistit-zaplacene-povinne-ruceni\/","title":{"rendered":"Jak zjistit, jestli m\u00e1m zaplacen\u00e9 povinn\u00e9 ru\u010den\u00ed?"},"content":{"rendered":"\n<p>Nejste si jist\u00ed, jestli m\u00e1te zaplacen\u00e9 povinn\u00e9 ru\u010den\u00ed? Uk\u00e1\u017eeme v\u00e1m, jak si stav poji\u0161t\u011bn\u00ed b\u011bhem p\u00e1r minut ov\u011b\u0159\u00edte a na co si d\u00e1t pozor. Sami ur\u010dit\u011b dob\u0159e v\u00edte, \u017ee bez platn\u00e9ho povinn\u00e9ho ru\u010den\u00ed si koledujete o \u0159adu pot\u00ed\u017e\u00ed.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Co se v \u010dl\u00e1nku dozv\u00edte?<\/h2><nav><ul><li class=\"\"><a href=\"#co-je-povinne-ruceni-a-proc-ho-musite-mit\">Co je povinn\u00e9 ru\u010den\u00ed a pro\u010d ho mus\u00edte m\u00edt (zaplacen\u00e9)?<\/a><\/li><li class=\"\"><a href=\"#jak-zjistit-zaplacene-povinne-ruceni\">Jak zjistit zaplacen\u00e9 povinn\u00e9 ru\u010den\u00ed?<\/a><ul><li class=\"\"><a href=\"#zelena-karta\">Zelen\u00e1 karta<\/a><\/li><li class=\"\"><a href=\"#klientska-zona-pojistovny\">Klientsk\u00e1 z\u00f3na poji\u0161\u0165ovny<\/a><\/li><li class=\"\"><a href=\"#aplikace-rixo\">Aplikace RIXO<\/a><\/li><li class=\"\"><a href=\"#overeni-podle-spz-v-evidenci-ceske-kancelare-pojistitelu\">Ov\u011b\u0159en\u00ed podle SPZ v evidenci \u010cesk\u00e9 kancel\u00e1\u0159e pojistitel\u016f<\/a><\/li><li class=\"\"><a href=\"#portal-dopravy\">Port\u00e1l dopravy<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#co-delat-kdyz-nemam-zaplacene-povinne-ruceni\">Co d\u011blat, kdy\u017e nem\u00e1m zaplacen\u00e9 povinn\u00e9 ru\u010den\u00ed?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-je-povinne-ruceni-a-proc-ho-musite-mit\">Co je povinn\u00e9 ru\u010den\u00ed a pro\u010d ho mus\u00edte m\u00edt (zaplacen\u00e9)?<\/h2>\n\n\n\n<p>Povinn\u00e9 ru\u010den\u00ed, ofici\u00e1ln\u011b poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u00fajmu zp\u016fsobenou provozem vozidla, upravuje z\u00e1kon \u010d. 168\/1999 Sb. Mus\u00ed ho m\u00edt sjednan\u00e9 ka\u017ed\u00fd provozovatel motorov\u00e9ho vozidla, kter\u00e9 je registrovan\u00e9 v \u010cR, povinnost ale dopad\u00e1 i na n\u011bkter\u00e1 neregistrovan\u00e1 voz\u00edtka (nap\u0159. siln\u00e9 <a href=\"https:\/\/www.rixo.cz\/povinne-ruceni-pro-elektrokolobezky\/\">elektrokolob\u011b\u017eky<\/a>). Povinn\u00e9 ru\u010den\u00ed mus\u00edte m\u00edt bez ohledu na to, jestli s autem jezd\u00edte denn\u011b, nebo ho nech\u00e1v\u00e1te st\u00e1t v gar\u00e1\u017ei.&nbsp;<\/p>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed v\u00e1s kryje v situaci, kdy s autem zp\u016fsob\u00edte \u0161kodu jin\u00e9mu \u00fa\u010dastn\u00edkovi provozu. Bez platn\u00e9ho povinn\u00e9ho ru\u010den\u00ed byste v\u0161echny tyto n\u00e1klady hradili sami, a to klidn\u011b i v \u0159\u00e1du statis\u00edc\u016f a\u017e milion\u016f korun. <strong>Pro vznik smlouvy<\/strong> o povinn\u00e9m ru\u010den\u00ed je ale u\u017e <a href=\"https:\/\/www.rixo.cz\/blog\/povinne-ruceni-od-1-rijna-2024\/\">od roku 2024<\/a> pot\u0159eba <strong>nejd\u0159\u00edve poji\u0161t\u011bn\u00ed uhradit<\/strong>. Jak jednodu\u0161e zjistit, jestli ho m\u00e1te zaplacen\u00e9, nebo teprve poji\u0161\u0165ovna na platbu \u010dek\u00e1?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-zjistit-zaplacene-povinne-ruceni\">Jak zjistit zaplacen\u00e9 povinn\u00e9 ru\u010den\u00ed?<\/h2>\n\n\n\n<p>Povinn\u00e9 ru\u010den\u00ed plat\u00edte zpravidla online &#8211; kontrola platby v internetov\u00e9m bankovnictv\u00ed dosta\u010duje, pokud plat\u00edte <a href=\"https:\/\/www.rixo.cz\/slovnik\/pojistne\/\">pojistn\u00e9<\/a> v term\u00ednu splatnosti (nebo nejl\u00e9pe hned po sjedn\u00e1n\u00ed smlouvy, abyste na platbu pozd\u011bji nezapomn\u011bli). Sp\u00e1rov\u00e1n\u00ed platby v poji\u0161\u0165ovn\u011b tak\u00e9 m\u016f\u017ee n\u011bjakou dobu trvat, zvl\u00e1\u0161t\u011b pokud plat\u00edte p\u0159evodem. Nejjist\u011bj\u0161\u00ed odpov\u011b\u010f nicm\u00e9n\u011b v\u017edycky z\u00edsk\u00e1te p\u0159\u00edmo u zdroje &#8211; tedy <strong>u poji\u0161\u0165ovny<\/strong>, a to nap\u0159\u00edklad v jej\u00edm webov\u00e9m port\u00e1lu nebo aplikaci. M\u016f\u017eete ale zvolit i jin\u00e9 cesty.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"zelena-karta\">Zelen\u00e1 karta<\/h3>\n\n\n\n<p>Zaplatili jste nov\u011b sjednan\u00e9 poji\u0161t\u011bn\u00ed a m\u00e1te u\u017e v e-mailu zelenou kartu? Pak m\u016f\u017eete b\u00fdt pravd\u011bpodobn\u011b v klidu. Vzhledem k tomu, \u017ee zelen\u00e1 karta je ve sv\u00e9 podstat\u011b <strong>dokladem o platn\u00e9m povinn\u00e9m ru\u010den\u00ed<\/strong> a povinn\u00e9 ru\u010den\u00ed vznik\u00e1 zaplacen\u00edm, obdr\u017een\u00ed zelen\u00e9 karty m\u016f\u017eete pova\u017eovat za sign\u00e1l, \u017ee m\u00e1te spln\u011bno. Nenechte se ale zm\u00e1st, pokud m\u00e1te sjednan\u00e9 poji\u0161t\u011bn\u00ed u<strong> \u010cSOB Poji\u0161\u0165ovny<\/strong> &#8211; ta v\u00e1m hned p\u0159i sjedn\u00e1n\u00ed za\u0161le <strong>do\u010dasnou zelenou kartu na m\u011bs\u00edc<\/strong> a po platb\u011b v\u00e1m po\u0161le celoro\u010dn\u00ed kartu (stejn\u011b jako ka\u017ed\u00e1 jin\u00e1 poji\u0161\u0165ovna). A\u017e zaslan\u00e1 karta na cel\u00e9 ro\u010dn\u00ed <a href=\"https:\/\/www.rixo.cz\/slovnik\/pojistne-obdobi\/\">pojistn\u00e9 obdob\u00ed<\/a> znamen\u00e1 \u00fasp\u011b\u0161n\u00e9 uzav\u0159en\u00ed smlouvy.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"klientska-zona-pojistovny\">Klientsk\u00e1 z\u00f3na poji\u0161\u0165ovny<\/h3>\n\n\n\n<p>Pro <strong>telefonick\u00e9 zji\u0161t\u011bn\u00ed platnosti povinn\u00e9ho ru\u010den\u00ed <\/strong>v poji\u0161\u0165ovn\u011b budete p\u0159edev\u0161\u00edm pot\u0159ebovat \u010d\u00edslo t\u00e9to smlouvy. Ka\u017ed\u00e1 poji\u0161\u0165ovna ale v dne\u0161n\u00ed dob\u011b nab\u00edz\u00ed tak\u00e9 online klientskou z\u00f3nu nebo mobiln\u00ed aplikaci, kam se sta\u010d\u00ed jen p\u0159ihl\u00e1sit a uvid\u00edte v n\u00ed sv\u00e9 smlouvy i to, zda jsou smlouvy uhrazen\u00e9 a \u201cv b\u011bhu\u201d.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"aplikace-rixo\">Aplikace RIXO<\/h3>\n\n\n\n<p>Pokud jste si srovnali a sjednali pojistnou smlouvu p\u0159es <a href=\"http:\/\/rixo.cz\" target=\"_blank\" rel=\"noopener\">RIXO.cz<\/a>, v klientsk\u00e9 z\u00f3n\u011b na webu i v <strong>mobiln\u00ed aplikaci RIXO<\/strong> uvid\u00edte v\u0161echny d\u016fle\u017eit\u00e9 informace bez zdlouhav\u00e9ho klik\u00e1n\u00ed. <\/p>\n\n\n\n<div class=\"wp-block-media-text has-media-on-the-right is-stacked-on-mobile\" style=\"grid-template-columns:auto 30%\"><div class=\"wp-block-media-text__content\">\n<p>Zjist\u00edte zde <strong>stav povinn\u00e9ho ru\u010den\u00ed, platebn\u00ed \u00fadaje i term\u00edny dal\u0161\u00edch plateb<\/strong>, pokud jste si nastavili \u010dtvrtletn\u00ed nebo pololetn\u00ed frekvenci placen\u00ed. <\/p>\n\n\n\n<p>Pod kontrolou m\u00e1te z\u00e1rove\u0148 i <strong>term\u00edn v\u00fdro\u010d\u00ed a p\u0159ed koncem pojistn\u00e9ho obdob\u00ed<\/strong> u\u017e pro v\u00e1s budou p\u0159ipraven\u00e9 nov\u00e9 (a t\u0159eba i v\u00fdhodn\u011bj\u0161\u00ed) nab\u00eddky. A aby toho nebylo m\u00e1lo, appka v\u00e1m pohl\u00edd\u00e1 tak\u00e9 term\u00edny <strong>STK<\/strong> nebo platnost <strong>d\u00e1lni\u010dn\u00ed zn\u00e1mky<\/strong>. Je\u0161t\u011b aplikaci RIXO nem\u00e1te? <a href=\"https:\/\/www.rixo.cz\/mobilni-aplikace\/\">St\u00e1hn\u011bte si ji<\/a>!<\/p>\n<\/div><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"795\" src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/08\/Mockup-Appka-Smlouvy-Auta-smlouvy-1-1-1.png\" alt=\"aplikace zaplacen\u00e9 povinn\u00e9 ru\u010den\u00ed\n\" class=\"wp-image-4473 size-full\" srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/08\/Mockup-Appka-Smlouvy-Auta-smlouvy-1-1-1.png 400w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/08\/Mockup-Appka-Smlouvy-Auta-smlouvy-1-1-1-151x300.png 151w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/08\/Mockup-Appka-Smlouvy-Auta-smlouvy-1-1-1-50x100.png 50w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/08\/Mockup-Appka-Smlouvy-Auta-smlouvy-1-1-1-226x450.png 226w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/figure><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"overeni-podle-spz-v-evidenci-ceske-kancelare-pojistitelu\">Ov\u011b\u0159en\u00ed podle SPZ v evidenci \u010cesk\u00e9 kancel\u00e1\u0159e pojistitel\u016f<\/h3>\n\n\n\n<p>Pokud si chcete ov\u011b\u0159it, \u017ee va\u0161e poji\u0161t\u011bn\u00ed je evidov\u00e1no v\u0161ude tam, kde m\u00e1 b\u00fdt, poslou\u017e\u00ed v\u00e1m tak\u00e9 ve\u0159ejn\u00e1 datab\u00e1ze \u010cesk\u00e9 kancel\u00e1\u0159e pojistitel\u016f (\u010cKP). Na webu <a href=\"https:\/\/ic.ckp.cz\/ICwww\/servlet?_page=searchSPZ&amp;lngID=1\" target=\"_blank\" rel=\"noopener\">ckp.cz<\/a> najdete formul\u00e1\u0159 pro <strong>vyhled\u00e1n\u00ed poji\u0161\u0165ovny podle registra\u010dn\u00ed zna\u010dky<\/strong>. Sta\u010d\u00ed zadat SPZ (p\u0159\u00edpadn\u011b VIN) vozidla a datum, ke kter\u00e9mu chcete platnost poji\u0161t\u011bn\u00ed ov\u011b\u0159it, a syst\u00e9m v\u00e1m uk\u00e1\u017ee, jestli m\u00e1 vozidlo k dan\u00e9mu dni sjednan\u00e9 povinn\u00e9 ru\u010den\u00ed a u kter\u00e9 poji\u0161\u0165ovny.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"portal-dopravy\">Port\u00e1l dopravy<\/h3>\n\n\n\n<p>U\u017eite\u010dn\u00fdm zdrojem je tak\u00e9 st\u00e1tn\u00ed <a href=\"https:\/\/doprava.gov.cz\/\" target=\"_blank\" rel=\"noopener\">Port\u00e1l dopravy<\/a>, kde po p\u0159ihl\u00e1\u0161en\u00ed najdete v sekci <strong>Vozidla<\/strong> a d\u00e1le v podsekci <strong>Registr silni\u010dn\u00edch vozidel <\/strong>nejen technick\u00e9 \u00fadaje sv\u00e9ho auta, ale i informace o povinn\u00e9m ru\u010den\u00ed v\u010detn\u011b <strong>historie sjednan\u00fdch pojistn\u00fdch smluv<\/strong> k tomuto vozidlu. Zde zjist\u00edte \u010d\u00edslo smlouvy, n\u00e1zev poji\u0161\u0165ovny, datum po\u010d\u00e1tku i datum konce platnosti u ukon\u010den\u00fdch pojistek.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-delat-kdyz-nemam-zaplacene-povinne-ruceni\">Co d\u011blat, kdy\u017e nem\u00e1m zaplacen\u00e9 povinn\u00e9 ru\u010den\u00ed?<\/h2>\n\n\n\n<p>Pokud jste si sjednali nov\u00e9 povinn\u00e9 ru\u010den\u00ed a uplynula lh\u016fta pro jeho zaplacen\u00ed, poji\u0161t\u011bn\u00ed v\u00e1m pravd\u011bpodobn\u011b nevznikne ani p\u0159i pozd\u011bj\u0161\u00ed platb\u011b. Pouze u poji\u0161\u0165oven Allianz, Direct, Pillow a PVZP se m\u016f\u017eete s platbou o p\u00e1r dn\u00ed zpozdit, ne\u017e n\u00e1vrh smlouvy zcela zanikne. Prvn\u00ed t\u0159i jmenovan\u00e9 poji\u0161\u0165ovny umo\u017e\u0148uj\u00ed odklad o 7 dn\u016f, PVZP a\u017e 14 dn\u016f. Ale pozor, pozd\u011bj\u0161\u00ed platbou se posune i po\u010d\u00e1tek poji\u0161t\u011bn\u00ed, tud\u00ed\u017e va\u0161e vozidlo bude v mezidob\u00ed <strong>nepoji\u0161t\u011bn\u00e9<\/strong>. V\u017edy plat\u00ed, \u017ee pojistn\u00e9 mus\u00ed b\u00fdt <strong>zaplaceno p\u0159ed po\u010d\u00e1tkem poji\u0161t\u011bn\u00ed<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Pokud jste jen zapomn\u011bli zaplatit jednu z n\u00e1sledn\u00fdch plateb nebo jste nestihli poslat p\u0159i v\u00fdro\u010d\u00ed poji\u0161t\u011bn\u00ed platbu na nov\u00e9 pojistn\u00e9 obdob\u00ed, situace u\u017e nen\u00ed tak dramatick\u00e1. Poji\u0161t\u011bn\u00ed v\u00e1m toti\u017e st\u00e1le b\u011b\u017e\u00ed, zaplatit ho ale mus\u00edte. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b v\u00e1m poji\u0161\u0165ovna smlouvu ukon\u010d\u00ed a dlu\u017en\u00e9 pojistn\u00e9 samoz\u0159ejm\u011b bude vym\u00e1hat. Pokud je toto v\u00e1\u0161 p\u0159\u00edpad, pom\u016f\u017ee v\u00e1m i n\u00e1\u0161 \u010dl\u00e1nek <a href=\"https:\/\/www.rixo.cz\/blog\/zapomnel-jsem-zaplatit-povinne-ruceni\/\">Zapomn\u011bl jsem zaplatit povinn\u00e9 ru\u010den\u00ed<\/a>.&nbsp;<\/p>\n\n\n\n<p>Pokud va\u0161e poji\u0161t\u011bn\u00ed v\u016fbec nevzniklo nebo kv\u016fli zapomenut\u00ed platby zaniklo, nevystavujte se citeln\u00fdm sankc\u00edm za <a href=\"https:\/\/www.rixo.cz\/blog\/nepojistene-vozidlo\/\">nepoji\u0161t\u011bn\u00e9 vozidlo<\/a> a co nejd\u0159\u00edve si sjednejte nov\u00e9 povinn\u00e9 ru\u010den\u00ed. Na <a href=\"http:\/\/rixo.cz\" target=\"_blank\" rel=\"noopener\">RIXO.cz<\/a> to zvl\u00e1dnete online b\u011bhem p\u00e1r minut a na platbu u\u017e d\u00edky p\u0159ipom\u00ednce term\u00ednu nezapomenete. Tak poj\u010fte na to!&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=\"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>Nejste si jist\u00ed, jestli m\u00e1te zaplacen\u00e9 povinn\u00e9 ru\u010den\u00ed? Uk\u00e1\u017eeme v\u00e1m, jak si stav poji\u0161t\u011bn\u00ed b\u011bhem p\u00e1r minut ov\u011b\u0159\u00edte a na co si d\u00e1t pozor. Sami ur\u010dit\u011b dob\u0159e v\u00edte, \u017ee bez platn\u00e9ho povinn\u00e9ho ru\u010den\u00ed si koledujete o \u0159adu pot\u00ed\u017e\u00ed.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":4475,"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\/4472"}],"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=4472"}],"version-history":[{"count":3,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4472\/revisions"}],"predecessor-version":[{"id":4506,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4472\/revisions\/4506"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/4475"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=4472"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=4472"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=4472"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}