{"id":2851,"date":"2016-05-04T08:50:10","date_gmt":"2016-05-04T06:50:10","guid":{"rendered":"https:\/\/www.srovnator.cz\/povinne-ruceni\/povinne-ruceni-bonusy-a-malusy\/"},"modified":"2026-01-28T12:20:03","modified_gmt":"2026-01-28T11:20:03","slug":"povinne-ruceni-bonusy-a-malusy","status":"publish","type":"page","link":"https:\/\/www.srovnator.cz\/povinne-ruceni-bonus-malus\/","title":{"rendered":"Povinn\u00e9 ru\u010den\u00ed bonusy a malusy"},"content":{"rendered":"<h1>Povinn\u00e9 ru\u010den\u00ed bonusy a malusy<\/h1>\n<div class=\"row\">\n<div class=\"col-xs-12 col-sm-6\">Poji\u0161\u0165ovny p\u0159i v\u00fdpo\u010dtu ceny povinn\u00e9ho ru\u010den\u00ed mimo jin\u00e9 hled\u00ed na p\u0159edchoz\u00ed dobu poji\u0161t\u011bn\u00ed \u2013\u00a0<strong>beze\u0161kodn\u00ed pr\u016fb\u011bh<\/strong>, kter\u00fd se od roku 2000 eviduje v datab\u00e1zi \u010cesk\u00e9 kancel\u00e1\u0159i pojistitel\u016f (\u010cKP) a je v\u017edy p\u0159i\u0159azen\u00fd ke konkr\u00e9tn\u00ed osob\u011b, nikoli k vozidlu. V\u00e1\u017ee se u fyzick\u00e9 osoby na rodn\u00e9 \u010d\u00edslo a u pr\u00e1vnick\u00e9 osoby nebo OSV\u010c\u00a0na I\u010cO a p\u0159etrv\u00e1v\u00e1 s danou osobou i\u00a0po odhl\u00e1\u0161en\u00ed \u010di prodeji vozidla.<\/div>\n<div class=\"col-xs-12 col-sm-6\"><img decoding=\"async\" class=\"f-right\" style=\"padding: 0 0 10px 10px; max-width: 100%;\" title=\"Povinn\u00e9 ru\u010den\u00ed bonus\" src=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/povinne-ruceni-bonus-malus.jpg\" alt=\"Povinn\u00e9 ru\u010den\u00ed bonus\" width=\"300\" \/><\/div>\n<\/div>\n<div class=\"text-center\">\n<div class=\"text-center\"><button class=\"btn btn-primary callMe mb-4\" tabindex=\"2\" type=\"button\" onclick=\"{CallbackLib.openCallbackModal()}\"><i class=\"sro-phone me-sm-2\"><\/i><span class=\"d-none d-sm-inline\">Ov\u011b\u0159it bonus<\/span><\/button><\/div>\n<\/div>\n<p><\/p>\n<p>Beze\u0161kodn\u00ed pr\u016fb\u011bh (bonus\/malus) nen\u00ed v\u00e1z\u00e1n pouze k jedn\u00e9 poji\u0161\u0165ovn\u011b, jestli\u017ee chcete zm\u011bnit poji\u0161\u0165ovnu, m\u016f\u017eete uplatnit bonus z p\u0159edchoz\u00edch smluv. Poji\u0161\u0165ovna je povinna V\u00e1m vystavit p\u0159i ukon\u010den\u00ed smlouvy potvrzen\u00ed o beze\u0161kodn\u00e9m pr\u016fb\u011bhu poji\u0161t\u011bn\u00ed.<\/p>\n<h2>Bonus \u2013 sleva na pojistn\u00e9m<\/h2>\n<p>Bonus neboli slevu poskytne poji\u0161\u0165ovna \u0159idi\u010di, kter\u00fd v uplynul\u00e9m roce nezp\u016fsobil pojistnou ud\u00e1lost. Za ka\u017ed\u00fdch 12 m\u011bs\u00edc\u016f z\u00edsk\u00e1v\u00e1te v\u011bt\u0161inou <strong>slevu 5 %<\/strong> na povinn\u00e9m ru\u010den\u00ed. Pokud jste dobr\u00fd \u0159idi\u010d, m\u016f\u017eete dos\u00e1hnout bonusu a\u017e ve v\u00fd\u0161i <strong>50 %<\/strong>, u n\u011bkter\u00fdch poji\u0161\u0165oven a\u017e <strong>60 %<\/strong>.<\/p>\n<h2>Malus \u2013 p\u0159ir\u00e1\u017eka na pojistn\u00e9m<\/h2>\n<p>Malus je, oproti bonusu, nav\u00fd\u0161en\u00ed pojistn\u00e9ho z d\u016fvodu vzniku jedn\u00e9 nebo v\u00edce pojistn\u00fdch ud\u00e1lost\u00ed. Za jednu pojistnou ud\u00e1lost se <strong>ode\u010d\u00edt\u00e1 24 nebo 36 m\u011bs\u00edc\u016f<\/strong>. Do malusu se dostanete tehdy, a\u017e kdy\u017e bonus zcela vy\u010derp\u00e1te.<\/p>\n<h3>P\u0159\u00edklady z praxe<\/h3>\n<p>Pro stanoven\u00ed bonusu nebo malusu je d\u016fle\u017eit\u00e1 <strong>rozhodn\u00e1 doba<\/strong>. Ta se stanovuje podle d\u00e9lky poji\u0161t\u011bn\u00ed v cel\u00fdch m\u011bs\u00edc\u00edch. Jestli\u017ee jezd\u00edte bez nehod 10 let Va\u0161e rozhodn\u00e1 doba je 120 m\u011bs\u00edc\u016f (10 let x 12 m\u011bs\u00edc\u016f = 120 m\u011bs\u00edc\u016f rozhodn\u00e1 doba), pokud zp\u016fsob\u00edte jednu pojistnou ud\u00e1lost (120 m\u011bs\u00edc\u016f \u2013 24 (nebo 36) m\u011bs\u00edc\u016f za 1 pojistnou ud\u00e1lost = 96 (nebo 84) m\u011bs\u00edc\u016f rozhodn\u00e1 doba), nedostanete se do malusu, ale poji\u0161\u0165ovna V\u00e1m pouze p\u0159epo\u010d\u00edt\u00e1 v\u00fd\u0161i pojistn\u00e9ho.<\/p>\n<p>V p\u0159\u00edpad\u011b, \u017ee Va\u0161e rozhodn\u00e1 doba je 12 m\u011bs\u00edc\u016f a zp\u016fsob\u00edte sv\u00fdm vozem druh\u00e9 nebo t\u0159et\u00ed osob\u011b pojistnou ud\u00e1lost, poji\u0161\u0165ovna V\u00e1m ode\u010dte 24 nebo 36 m\u011bs\u00edc\u016f. V tuto chv\u00edli se sr\u00e1\u017eka z bonus\u016f dostane do z\u00e1porn\u00fdch hodnot (do malusu) a nav\u00fd\u0161\u00ed se cena pojistn\u00e9ho (12 m\u011bs\u00edc\u016f \u2013 24 (nebo 36) m\u011bs\u00edc\u016f = -12 (nebo -24) m\u011bs\u00edc\u016f rozhodn\u00e1 doba).<\/p>\n<h3>Bonus\/malus v \u010d\u00edslech<\/h3>\n<p>Dle z\u00edskan\u00e9ho po\u010dtu m\u011bs\u00edc\u016f za beze\u0161kodn\u00ed pr\u016fb\u011bh m\u00e1te n\u00e1rok na ur\u010ditou v\u00fd\u0161i slevy (uv\u00e1d\u011bna v %), ta se u ka\u017ed\u00e9 poji\u0161\u0165ovny li\u0161\u00ed. P\u0159i maxim\u00e1ln\u00edm bonusu m\u016f\u017eete z\u00edskat slevu a\u017e 60%. V\u00fd\u0161e p\u0159ir\u00e1\u017eky za malus m\u016f\u017ee dosahovat a\u017e 150%.<\/p>\n<h2>Jak uplatnit p\u0159i uzav\u00edr\u00e1n\u00ed pojistn\u00e9 smlouvy bonus<\/h2>\n<p>Pokud chcete z\u00edskat aktu\u00e1ln\u00ed kalkulaci povinn\u00e9ho ru\u010den\u00ed pro Va\u0161e vozidlo, nen\u00ed nutn\u00e9 zn\u00e1t sv\u016fj bonus ani po\u010det pojistn\u00fdch ud\u00e1lost\u00ed. Sta\u010d\u00ed v na\u0161\u00ed kalkula\u010dce uv\u00e9st rodn\u00e9 \u010d\u00edslo a syst\u00e9m si V\u00e1\u0161 bonus automaticky ov\u011b\u0159\u00ed v datab\u00e1zi \u010cesk\u00e9 kancel\u00e1\u0159e pojistitel\u016f.<\/p>\n<div class=\"text-center\"><button class=\"btn btn-primary callMe mb-4\" tabindex=\"2\" type=\"button\" onclick=\"{CallbackLib.openCallbackModal()}\"><i class=\"sro-phone me-sm-2\"><\/i><span class=\"d-none d-sm-inline\">Ov\u011b\u0159it bonus<\/span><\/button><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Povinn\u00e9 ru\u010den\u00ed bonusy a malusy Poji\u0161\u0165ovny p\u0159i v\u00fdpo\u010dtu ceny povinn\u00e9ho ru\u010den\u00ed mimo jin\u00e9 hled\u00ed na p\u0159edchoz\u00ed dobu poji\u0161t\u011bn\u00ed \u2013\u00a0beze\u0161kodn\u00ed pr\u016fb\u011bh, kter\u00fd se od roku 2000 eviduje v datab\u00e1zi \u010cesk\u00e9 kancel\u00e1\u0159i pojistitel\u016f (\u010cKP) a je v\u017edy p\u0159i\u0159azen\u00fd ke konkr\u00e9tn\u00ed osob\u011b, nikoli k vozidlu. V\u00e1\u017ee se u fyzick\u00e9 osoby na rodn\u00e9 \u010d\u00edslo a u pr\u00e1vnick\u00e9 osoby nebo [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2809,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2851","page","type-page","status-publish","hentry"],"acf":{"page_post_meta_sidebar":"sidebar-pov","page_post_meta_bread":"Bonus a malus","page_post_meta_bread_child":"","page_post_meta_script_head":"","page_post_meta_leaving_screen":"false"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Povinn\u00e9 ru\u010den\u00ed bonusy - Srovn\u00e1tor.cz<\/title>\n<meta name=\"description\" content=\"Poji\u0161\u0165ovny p\u0159i v\u00fdpo\u010dtu ceny povinn\u00e9ho ru\u010den\u00ed mimo jin\u00e9 hled\u00ed na p\u0159edchoz\u00ed dobu poji\u0161t\u011bn\u00ed \u2013 beze\u0161kodn\u00ed pr\u016fb\u011bh (bonusy a malusy).\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.srovnator.cz\/povinne-ruceni-bonus-malus\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Povinn\u00e9 ru\u010den\u00ed bonusy - Srovn\u00e1tor.cz\" \/>\n<meta property=\"og:description\" content=\"Poji\u0161\u0165ovny p\u0159i v\u00fdpo\u010dtu ceny povinn\u00e9ho ru\u010den\u00ed mimo jin\u00e9 hled\u00ed na p\u0159edchoz\u00ed dobu poji\u0161t\u011bn\u00ed \u2013 beze\u0161kodn\u00ed pr\u016fb\u011bh (bonusy a malusy).\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.srovnator.cz\/povinne-ruceni-bonus-malus\/\" \/>\n<meta property=\"og:site_name\" content=\"Srovn\u00e1tor.cz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/srovnator\/\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-28T11:20:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/povinne-ruceni-bonus-malus.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Srovnator_czech\" \/>\n<meta name=\"twitter:label1\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minuty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.srovnator.cz\/povinne-ruceni-bonus-malus\/\",\"url\":\"https:\/\/www.srovnator.cz\/povinne-ruceni-bonus-malus\/\",\"name\":\"Povinn\u00e9 ru\u010den\u00ed bonusy - Srovn\u00e1tor.cz\",\"isPartOf\":{\"@id\":\"https:\/\/www.srovnator.cz\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.srovnator.cz\/povinne-ruceni-bonus-malus\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.srovnator.cz\/povinne-ruceni-bonus-malus\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/povinne-ruceni-bonus-malus.jpg\",\"datePublished\":\"2016-05-04T06:50:10+00:00\",\"dateModified\":\"2026-01-28T11:20:03+00:00\",\"description\":\"Poji\u0161\u0165ovny p\u0159i v\u00fdpo\u010dtu ceny povinn\u00e9ho ru\u010den\u00ed mimo jin\u00e9 hled\u00ed na p\u0159edchoz\u00ed dobu poji\u0161t\u011bn\u00ed \u2013 beze\u0161kodn\u00ed pr\u016fb\u011bh (bonusy a malusy).\",\"breadcrumb\":{\"@id\":\"https:\/\/www.srovnator.cz\/povinne-ruceni-bonus-malus\/#breadcrumb\"},\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.srovnator.cz\/povinne-ruceni-bonus-malus\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\/\/www.srovnator.cz\/povinne-ruceni-bonus-malus\/#primaryimage\",\"url\":\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/povinne-ruceni-bonus-malus.jpg\",\"contentUrl\":\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/povinne-ruceni-bonus-malus.jpg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.srovnator.cz\/povinne-ruceni-bonus-malus\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Povinn\u00e9 ru\u010den\u00ed\",\"item\":\"https:\/\/www.srovnator.cz\/povinne-ruceni\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Povinn\u00e9 ru\u010den\u00ed bonusy a malusy\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.srovnator.cz\/#website\",\"url\":\"https:\/\/www.srovnator.cz\/\",\"name\":\"Srovn\u00e1tor.cz\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.srovnator.cz\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"cs\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Povinn\u00e9 ru\u010den\u00ed bonusy - Srovn\u00e1tor.cz","description":"Poji\u0161\u0165ovny p\u0159i v\u00fdpo\u010dtu ceny povinn\u00e9ho ru\u010den\u00ed mimo jin\u00e9 hled\u00ed na p\u0159edchoz\u00ed dobu poji\u0161t\u011bn\u00ed \u2013 beze\u0161kodn\u00ed pr\u016fb\u011bh (bonusy a malusy).","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.srovnator.cz\/povinne-ruceni-bonus-malus\/","og_locale":"cs_CZ","og_type":"article","og_title":"Povinn\u00e9 ru\u010den\u00ed bonusy - Srovn\u00e1tor.cz","og_description":"Poji\u0161\u0165ovny p\u0159i v\u00fdpo\u010dtu ceny povinn\u00e9ho ru\u010den\u00ed mimo jin\u00e9 hled\u00ed na p\u0159edchoz\u00ed dobu poji\u0161t\u011bn\u00ed \u2013 beze\u0161kodn\u00ed pr\u016fb\u011bh (bonusy a malusy).","og_url":"https:\/\/www.srovnator.cz\/povinne-ruceni-bonus-malus\/","og_site_name":"Srovn\u00e1tor.cz","article_publisher":"https:\/\/www.facebook.com\/srovnator\/","article_modified_time":"2026-01-28T11:20:03+00:00","og_image":[{"url":"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/povinne-ruceni-bonus-malus.jpg","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_site":"@Srovnator_czech","twitter_misc":{"Odhadovan\u00e1 doba \u010dten\u00ed":"3 minuty"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.srovnator.cz\/povinne-ruceni-bonus-malus\/","url":"https:\/\/www.srovnator.cz\/povinne-ruceni-bonus-malus\/","name":"Povinn\u00e9 ru\u010den\u00ed bonusy - Srovn\u00e1tor.cz","isPartOf":{"@id":"https:\/\/www.srovnator.cz\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.srovnator.cz\/povinne-ruceni-bonus-malus\/#primaryimage"},"image":{"@id":"https:\/\/www.srovnator.cz\/povinne-ruceni-bonus-malus\/#primaryimage"},"thumbnailUrl":"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/povinne-ruceni-bonus-malus.jpg","datePublished":"2016-05-04T06:50:10+00:00","dateModified":"2026-01-28T11:20:03+00:00","description":"Poji\u0161\u0165ovny p\u0159i v\u00fdpo\u010dtu ceny povinn\u00e9ho ru\u010den\u00ed mimo jin\u00e9 hled\u00ed na p\u0159edchoz\u00ed dobu poji\u0161t\u011bn\u00ed \u2013 beze\u0161kodn\u00ed pr\u016fb\u011bh (bonusy a malusy).","breadcrumb":{"@id":"https:\/\/www.srovnator.cz\/povinne-ruceni-bonus-malus\/#breadcrumb"},"inLanguage":"cs","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.srovnator.cz\/povinne-ruceni-bonus-malus\/"]}]},{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.srovnator.cz\/povinne-ruceni-bonus-malus\/#primaryimage","url":"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/povinne-ruceni-bonus-malus.jpg","contentUrl":"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/povinne-ruceni-bonus-malus.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/www.srovnator.cz\/povinne-ruceni-bonus-malus\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Povinn\u00e9 ru\u010den\u00ed","item":"https:\/\/www.srovnator.cz\/povinne-ruceni\/"},{"@type":"ListItem","position":2,"name":"Povinn\u00e9 ru\u010den\u00ed bonusy a malusy"}]},{"@type":"WebSite","@id":"https:\/\/www.srovnator.cz\/#website","url":"https:\/\/www.srovnator.cz\/","name":"Srovn\u00e1tor.cz","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.srovnator.cz\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"cs"}]}},"_links":{"self":[{"href":"https:\/\/www.srovnator.cz\/rest_api\/wp\/v2\/pages\/2851","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.srovnator.cz\/rest_api\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.srovnator.cz\/rest_api\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.srovnator.cz\/rest_api\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.srovnator.cz\/rest_api\/wp\/v2\/comments?post=2851"}],"version-history":[{"count":2,"href":"https:\/\/www.srovnator.cz\/rest_api\/wp\/v2\/pages\/2851\/revisions"}],"predecessor-version":[{"id":10958,"href":"https:\/\/www.srovnator.cz\/rest_api\/wp\/v2\/pages\/2851\/revisions\/10958"}],"up":[{"embeddable":true,"href":"https:\/\/www.srovnator.cz\/rest_api\/wp\/v2\/pages\/2809"}],"wp:attachment":[{"href":"https:\/\/www.srovnator.cz\/rest_api\/wp\/v2\/media?parent=2851"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}