[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kosma.sk\/poistenie-by-nemalo-motoristom-chybat\/#Article","mainEntityOfPage":"https:\/\/www.kosma.sk\/poistenie-by-nemalo-motoristom-chybat\/","headline":"Poistenie by nemalo motoristom ch\u00fdba\u0165","name":"Poistenie by nemalo motoristom ch\u00fdba\u0165","description":"Jazdenie autom je dnes be\u017enou \u010dinnos\u0165ou. \u010ci u\u017e sa pres\u00favame do pr\u00e1ce, do \u0161koly alebo iba do obchodu alebo von za priate\u013emi, nesmie n\u00e1m ch\u00fdba\u0165 …","datePublished":"2024-01-30","dateModified":"2024-01-30","author":{"@type":"Person","@id":"https:\/\/www.kosma.sk\/author\/#Person","name":"","url":"https:\/\/www.kosma.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f2ab007ed309e3d84abcf4139c5580b2bc94c721f9294eeb027f25de56e0a35e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f2ab007ed309e3d84abcf4139c5580b2bc94c721f9294eeb027f25de56e0a35e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kosma.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kosma.sk\/wp-content\/uploads\/automotive-1866521_1280_2.jpg","url":"https:\/\/www.kosma.sk\/wp-content\/uploads\/automotive-1866521_1280_2.jpg","height":0,"width":0},"url":"https:\/\/www.kosma.sk\/poistenie-by-nemalo-motoristom-chybat\/","about":["Moto"],"wordCount":413,"articleBody":"Jazdenie autom je dnes be\u017enou \u010dinnos\u0165ou. \u010ci u\u017e sa pres\u00favame do pr\u00e1ce, do \u0161koly alebo iba do obchodu alebo von za priate\u013emi, nesmie n\u00e1m ch\u00fdba\u0165 toto… Pri k\u00fape motorov\u00e9ho vozidla a jeho n\u00e1slednom prepise, nesmie motoristom ch\u00fdba\u0165 pr\u00e1voplatne uzavret\u00e9 povinn\u00e9 zmluvn\u00e9 poistenie. Toto poistenie nielen chr\u00e1ni osoby ale aj majetok. Pri povinnom zmluvnom poisten\u00ed je z neho hraden\u00e1 \u0161koda, ktor\u00fa sp\u00f4sobil poistenec in\u00e9mu alebo in\u00fdm \u00fa\u010dastn\u00edkom prem\u00e1vky svoj\u00edm riaden\u00edm. Cenov\u00e9 hladiny poisten\u00ed s\u00fa r\u00f4zne. Ich v\u00fd\u0161ku \u010dasto ovplyv\u0148uje nielen obsah a v\u00fdkon motora, ale aj vek \u017eiadate\u013ea o poistenie.Pok\u00fdm mlad\u0161ie ro\u010dn\u00edky si za poistenie priplatia, star\u0161\u00ed motoristi to bud\u00fa ma\u0165 lacnej\u0161ie. V\u00fdhodu m\u00e1 ten, kto v posledn\u00fdch dvoch rokoch pri riaden\u00ed motorov\u00e9ho vozidla nemal \u0161kodov\u00fa udalos\u0165, ktor\u00fa by zapr\u00ed\u010dinil.\u00a0Okrem povinn\u00e9ho zmluvn\u00e9ho poistenia ale m\u00e1me na trhu r\u00f4zne varianty poisten\u00ed. K t\u00fdm drah\u0161\u00edm ale \u010d\u00edm viac \u017eiadanej\u0161\u00edm patr\u00ed pr\u00e1ve havarijn\u00e9 poistenie. To do zna\u010dnej miery pokr\u00fdva v\u00fd\u0161ku \u0161k\u00f4d sp\u00f4soben\u00fdch veden\u00edm motorov\u00e9ho vozidla do kol\u00edznych situ\u00e1ci\u00ed. Ide o \u0161kody, ktor\u00e9 poistenec utrpel z vlastn\u00e9ho zavinenia na vlastnom motorovom vozidle. Mimo havarijn\u00e9ho poistenia je tu aj hrani\u010dn\u00e9 poistenie.Toto pokr\u00fdva \u0161kody na \u00fazem\u00ed n\u00e1\u0161ho \u0161t\u00e1tu a kraj\u00edn Eur\u00f3pskej \u00fanie. Povinn\u00fd je ho uzavrie\u0165 vodi\u010d cudzozemsk\u00e9ho motorov\u00e9ho vozidla so Slovenskou kancel\u00e1riou pois\u0165ovate\u013eov. Poistenie prich\u00e1dza do platnosti pri vstupe motorov\u00e9ho vozidla na \u00fazemie \u0161t\u00e1tu a jeho zaplaten\u00edm poistn\u00e9ho. Najmen\u0161ia sadzba, ktor\u00e1 sa vz\u0165ahuje na v\u00fd\u0161ku platenia je 15 d\u0148ov\u00e9 u\u017e\u00edvanie vozidla. \u00datvar policajn\u00e9ho zboru splnenie tejto povinnosti striktne kontroluje.\u00a0 Popri z\u00e1kladn\u00fdch typoch poistenia je mo\u017en\u00e9 si svojho \u0161tvorkolesov\u00e9ho t\u00e1to\u0161a poisti\u0165 aj r\u00f4znymi typmi pripoisten\u00ed. Napr\u00edklad pripoistenie pri rozbit\u00ed \u010deln\u00e9ho skla, stretu so zverou alebo \u017eiveln\u00fdm katastrof\u00e1m. Pr\u00e1ve posledn\u00e9 sa pri zmene po\u010dasia a pr\u00edchodu rap\u00eddnej\u0161\u00edch b\u00farok so siln\u00fdmi n\u00e1razmi vetra a kr\u00fapami za\u010dalo hojnej\u0161ie pou\u017e\u00edva\u0165. Motoristi si teda chr\u00e1nia nielen zdravie ale aj majetok. Je pritom na ich zv\u00e1\u017een\u00ed, ktor\u00fa z pois\u0165ovn\u00ed si vyber\u00fa a ak\u00e9 typy pripoistenia si zvolia ku svojej z\u00e1kladnej poistke.\u00a0                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Poistenie by nemalo motoristom ch\u00fdba\u0165","item":"https:\/\/www.kosma.sk\/poistenie-by-nemalo-motoristom-chybat\/#breadcrumbitem"}]}]