{"id":3033,"date":"2020-05-04T05:40:48","date_gmt":"2020-05-04T03:40:48","guid":{"rendered":"https:\/\/www.srovnator.cz\/faq\/"},"modified":"2026-01-27T15:57:25","modified_gmt":"2026-01-27T14:57:25","slug":"faq","status":"publish","type":"page","link":"https:\/\/www.srovnator.cz\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"<h2>Obecn\u00e9 ot\u00e1zky a odpov\u011bdi<\/h2>\n<div class=\"accordion faq mb-4\" id=\"accon1\">\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-63064\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-55782\" aria-expanded=\"true\" aria-controls=\"item-55782\">\n            Potvrzuj\u00edc\u00ed e-mail o sjednan\u00e9 smlouv\u011b mi nep\u0159i\u0161el?\n            <\/button>\n        <\/h3>\n        <div id=\"item-55782\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-63064\" data-bs-parent=\"#accon1\">\n            <div class=\"accordion-body\">\nPokud V\u00e1m b\u011bhem n\u011bkolika minut potvrzovac\u00ed e-mail nep\u0159i\u0161el, ihned n\u00e1s kontaktujte na na\u0161em telefonn\u00edm \u010d\u00edsle nebo e-mailov\u00e9 adrese. Zkontrolujeme, zda je V\u00e1mi zadan\u00fd e-mail spr\u00e1vn\u00fd, p\u0159\u00edpadn\u011b V\u00e1m potvrzen\u00ed po\u0161leme znovu.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-34390\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-76343\" aria-expanded=\"true\" aria-controls=\"item-76343\">\n            Smlouva mi nebyla doru\u010dena po\u0161tou?\n            <\/button>\n        <\/h3>\n        <div id=\"item-76343\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-34390\" data-bs-parent=\"#accon1\">\n            <div class=\"accordion-body\">\nV p\u0159\u00edpad\u011b sjedn\u00e1v\u00e1n\u00ed smlouvy zaplacen\u00edm V\u00e1m po\u0161leme n\u00e1vrh pojistn\u00e9 smlouvy na e-mail v elektronick\u00e9 podob\u011b. Jestli\u017ee n\u00e1vrh do va\u0161\u00ed elektronick\u00e9 schr\u00e1nky nep\u0159i\u0161el, kontaktujte n\u00e1s telefonicky nebo na na\u0161\u00ed e-mailov\u00e9 adrese. Zkontrolujeme, zda je V\u00e1mi zadan\u00e1 adresa spr\u00e1vn\u00e1, p\u0159\u00edpadn\u011b po\u0161leme n\u00e1vrh smlouvy znovu.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-6692\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-88758\" aria-expanded=\"true\" aria-controls=\"item-88758\">\n            Nebyla mi zasl\u00e1na zelen\u00e1 karta?\n            <\/button>\n        <\/h3>\n        <div id=\"item-88758\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-6692\" data-bs-parent=\"#accon1\">\n            <div class=\"accordion-body\">\nPokud jste zelenou kartu neobdr\u017eeli, nejprve si pros\u00edm zkontrolujte v\u00e1mi uveden\u00fd e-mail. Pokud zde kartu nenajdete, obra\u0165te se na poji\u0161\u0165ovnu, u kter\u00e9 m\u00e1te sjednanou pojistnou smlouvu \u2013 zelenou kartu zas\u00edl\u00e1 z\u00e1kazn\u00edk\u016fm p\u0159\u00edmo ona.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-7145\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-71462\" aria-expanded=\"true\" aria-controls=\"item-71462\">\n            Obdr\u017een\u00e1 smlouva obsahuje chybn\u00e9 \u00fadaje?\n            <\/button>\n        <\/h3>\n        <div id=\"item-71462\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-7145\" data-bs-parent=\"#accon1\">\n            <div class=\"accordion-body\">\nKontaktujte n\u00e1s telefonicky nebo prost\u0159ednictv\u00edm na\u0161\u00ed e-mailov\u00e9 adresy. Po\u0161leme V\u00e1m k podpisu \u017e\u00e1dost o zm\u011bnu nebo upravenou smlouvu, kterou spole\u010dn\u011b s V\u00e1mi oprav\u00edme. Pojistn\u00e1 smlouva je platn\u00e1, chybn\u00fd \u00fadaj bude pouze opraven.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-32805\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-64034\" aria-expanded=\"true\" aria-controls=\"item-64034\">\n            Byl zad\u00e1n \u0161patn\u00fd variabiln\u00ed symbol p\u0159i platb\u011b \u2013 co m\u00e1m d\u011blat?\n            <\/button>\n        <\/h3>\n        <div id=\"item-64034\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-32805\" data-bs-parent=\"#accon1\">\n            <div class=\"accordion-body\">\nKontaktujte n\u00e1s prost\u0159ednictv\u00edm na\u0161\u00ed e-mailov\u00e9 adresy \u2013 v tomto p\u0159\u00edpad\u011b preferujte tuto cestu nam\u00edsto telefonick\u00e9ho hovoru. V e-mailu n\u00e1m za\u0161lete informaci, o jakou smlouvu se jedn\u00e1 a jak\u00fd variabiln\u00ed symbol byl p\u0159i platb\u011b zad\u00e1n. V ide\u00e1ln\u00edm p\u0159\u00edpad\u011b n\u00e1m po\u0161lete tak\u00e9 potvrzen\u00ed o platb\u011b \u2013 z n\u011bj si \u00fadaje sami vy\u010dteme.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-65776\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-3146\" aria-expanded=\"true\" aria-controls=\"item-3146\">\n            Pojistn\u00e9 bylo zaplaceno po dan\u00e9m term\u00ednu?\n            <\/button>\n        <\/h3>\n        <div id=\"item-3146\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-65776\" data-bs-parent=\"#accon1\">\n            <div class=\"accordion-body\">\nJestli\u017ee je Va\u0161e poji\u0161t\u011bn\u00ed sjedn\u00e1v\u00e1no zaplacen\u00edm, je nutn\u00e9 dodr\u017eet stanoven\u00fd term\u00edn pro jeho platbu. V p\u0159\u00edpad\u011b, \u017ee pojistn\u00e9 je uhrazeno po term\u00ednu nebo nen\u00ed uhrazeno v\u016fbec, nevznik\u00e1 poji\u0161t\u011bn\u00ed od data sv\u00e9ho po\u010d\u00e1tku.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-53643\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-16139\" aria-expanded=\"true\" aria-controls=\"item-16139\">\n            Nem\u00e1m registra\u010dn\u00ed zna\u010dku \u2013 m\u016f\u017eu si sjednat poji\u0161t\u011bn\u00ed na auto?\n            <\/button>\n        <\/h3>\n        <div id=\"item-16139\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-53643\" data-bs-parent=\"#accon1\">\n            <div class=\"accordion-body\">\nI v tomto p\u0159\u00edpad\u011b si m\u016f\u017eete poji\u0161t\u011bn\u00ed na auto sjednat. M\u00edsto SPZ zvolte mo\u017enost \u201eNem\u00e1te SPZ? Vypl\u0148te \u00fadaje ru\u010dn\u011b\u201c a pot\u00e9 zadejte sv\u00e9 \u00fadaje do p\u0159\u00edslu\u0161n\u00fdch \u0159\u00e1dk\u016f.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-40514\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-56714\" aria-expanded=\"true\" aria-controls=\"item-56714\">\n            Co d\u011blat, pokud pot\u0159ebuji po\u010d\u00e1tek poji\u0161t\u011bn\u00ed u\u017e dnes?\n            <\/button>\n        <\/h3>\n        <div id=\"item-56714\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-40514\" data-bs-parent=\"#accon1\">\n            <div class=\"accordion-body\">\nI toto je \u0159e\u0161iteln\u00e9. Nejlep\u0161\u00ed bude, pokud n\u00e1s telefonicky kontaktujete, abychom s V\u00e1mi tento po\u017eadavek mohli vy\u0159e\u0161it co nejrychleji. Pokud se n\u00e1s pokou\u0161\u00edte kontaktovat mimo pracovn\u00ed dobu infolinky, zadejte si na na\u0161ich str\u00e1nk\u00e1ch po\u017eadavek, \u017ee chcete b\u00fdt kontaktov\u00e1n z na\u0161\u00ed strany \u2013 v nejbli\u017e\u0161\u00edm mo\u017en\u00e9m \u010dase V\u00e1m zavol\u00e1me.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-27386\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-28633\" aria-expanded=\"true\" aria-controls=\"item-28633\">\n            Pot\u0159ebuji zm\u011bnit \u00fadaje ve smlouv\u011b \u2013 jak m\u00e1m postupovat?\n            <\/button>\n        <\/h3>\n        <div id=\"item-28633\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-27386\" data-bs-parent=\"#accon1\">\n            <div class=\"accordion-body\">\nNejlep\u0161\u00ed bude, pokud n\u00e1s kontaktujete e-mailem. V e-mailu uve\u010fte \u010d\u00edslo pojistn\u00e9 smlouvy, u kter\u00e9 si p\u0159ejete \u00fadaj zm\u011bnit, spole\u010dn\u011b s nov\u00fdmi \u00fadaji (nap\u0159\u00edklad p\u0159i zm\u011bn\u011b registra\u010dn\u00ed zna\u010dky, technick\u00e9ho pr\u016fkazu apod.). Tuto zm\u011bnu v\u0161ak nelze prov\u00e9st, pokud dojde ke zm\u011bn\u011b vlastn\u00edka \u2013 v tomto p\u0159\u00edpad\u011b je zapot\u0159eb\u00ed pojistnou smlouvu ukon\u010dit. I v t\u00e9to situaci jsme V\u00e1m schopni pomoci.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<\/div>\n<h2>Povinn\u00e9 ru\u010den\u00ed<\/h2>\n<div class=\"accordion faq mb-4\" id=\"accon2\">\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-82388\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-53564\" aria-expanded=\"true\" aria-controls=\"item-53564\">\n            Prodal jsem auto, ale pojistn\u00e9 m\u00e1m zaplacen\u00e9 na cel\u00fd rok \u2013 vr\u00e1t\u00ed mi poji\u0161\u0165ovna p\u0159eplatek?\n            <\/button>\n        <\/h3>\n        <div id=\"item-53564\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-82388\" data-bs-parent=\"#accon2\">\n            <div class=\"accordion-body\">\nV tomto p\u0159\u00edpad\u011b V\u00e1m poji\u0161\u0165ovna vyplat\u00ed pom\u011brnou \u010d\u00e1st z ji\u017e uhrazen\u00e9ho pojistn\u00e9ho.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-80972\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-25507\" aria-expanded=\"true\" aria-controls=\"item-25507\">\n            Pokud se rozhodnu zm\u011bnit poji\u0161\u0165ovnu, bude to mo\u017en\u00e9? Pokud ano, p\u0159ijdu t\u00edm p\u00e1dem o bonusy?\n            <\/button>\n        <\/h3>\n        <div id=\"item-25507\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-80972\" data-bs-parent=\"#accon2\">\n            <div class=\"accordion-body\">\nZm\u011bnit poji\u0161\u0165ovnu mo\u017en\u00e9 je, ale ne kdykoli v pr\u016fb\u011bhu roku. P\u0159i p\u0159\u00edpadn\u00e9 zm\u011bn\u011b o bonusy nep\u0159ijdete \u2013 ty jsou evidov\u00e1ny \u010ceskou kancel\u00e1\u0159\u00ed pojistitel\u016f. Nov\u00e1 poji\u0161\u0165ovna tedy ihned uvid\u00ed, kolik bonus\u016f m\u00e1te. Pro v\u00edce informac\u00ed o zm\u011bn\u011b poji\u0161\u0165ovny si p\u0159e\u010dt\u011bte <a title=\"P\u0159ej\u00edt na str\u00e1nku V\u00fdpov\u011b\u010f povinn\u00e9ho ru\u010den\u00ed\" href=\"https:\/\/www.srovnator.cz\/vypoved-povinneho-ruceni\/\">zde<\/a>.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-13172\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-48651\" aria-expanded=\"true\" aria-controls=\"item-48651\">\n            K \u010demu mi jsou vy\u0161\u0161\u00ed limity pojistn\u00e9ho pln\u011bn\u00ed? To z\u00e1kladn\u00ed nesta\u010d\u00ed?\n            <\/button>\n        <\/h3>\n        <div id=\"item-48651\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-13172\" data-bs-parent=\"#accon2\">\n            <div class=\"accordion-body\">\n\u0160kody p\u0159i dopravn\u00ed nehod\u011b mohou dos\u00e1hnout i \u010d\u00e1stky o v\u00fd\u0161i n\u011bkolika milion\u016f. Povinn\u00e9 ru\u010den\u00ed s vy\u0161\u0161\u00edmi limity V\u00e1s chr\u00e1n\u00ed p\u0159ed p\u0159\u00edpadn\u00fdm zadlu\u017een\u00edm. S vy\u0161\u0161\u00edm limitem pojistn\u00e9ho m\u00e1te toti\u017e jistotu, \u017ee \u0161koda vznikl\u00e1 V\u00e1mi zavin\u011bnou nehodou bude kompletn\u011b uhrazena poji\u0161\u0165ovnou. Pro n\u00e1zornou p\u0159edstavu si uve\u010fme p\u0159\u00edklad: m\u00e1te uzav\u0159en\u00e9 povinn\u00e9 ru\u010den\u00ed s pojistn\u00fdmi limity 50 milion\u016f K\u010d pro \u00fajmu na zdrav\u00ed na ka\u017ed\u00e9ho po\u0161kozen\u00e9ho a 50 milion\u016f K\u010d pro \u0161kody na majetku celkem. V p\u0159\u00edpad\u011b, \u017ee zp\u016fsob\u00edte dopravn\u00ed nehodu autobusu pln\u00e9ho lid\u00ed, m\u016f\u017ee \u00fajma na zdrav\u00ed velmi jednodu\u0161e p\u0159es\u00e1hnout hranici 50 milion\u016f K\u010d \u2013 ka\u017ed\u00e1 koruna, kter\u00e1 tento limit p\u0159es\u00e1hne, bude vym\u00e1h\u00e1na poji\u0161\u0165ovnou pr\u00e1v\u011b po V\u00e1s.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-60605\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-15170\" aria-expanded=\"true\" aria-controls=\"item-15170\">\n            Pokud mi bude prov\u00e1d\u011bna silni\u010dn\u00ed kontrola, jak\u00fdm dokladem prok\u00e1\u017eu, \u017ee m\u00e1m sjednan\u00e9 poji\u0161t\u011bn\u00ed?\n            <\/button>\n        <\/h3>\n        <div id=\"item-15170\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-60605\" data-bs-parent=\"#accon2\">\n            <div class=\"accordion-body\">\nV \u010cesk\u00e9 republice policie ov\u011b\u0159uje platnost povinn\u00e9ho ru\u010den\u00ed p\u0159\u00edmo v registru poji\u0161t\u011bn\u00ed odpov\u011bdnosti z provozu vozidel \u010cKP &#8211; nen\u00ed nutn\u00e9 p\u0159edkl\u00e1dat \u017e\u00e1dn\u00fd doklad. Zelenou kartu mus\u00edte m\u00edt u sebe pouze p\u0159i cestov\u00e1n\u00ed do zahrani\u010d\u00ed, kde slou\u017e\u00ed jako mezin\u00e1rodn\u00ed doklad o poji\u0161t\u011bn\u00ed.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-32666\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-23303\" aria-expanded=\"true\" aria-controls=\"item-23303\">\n            Pokud u sebe p\u0159i silni\u010dn\u00ed kontrole nebudu m\u00edt zelenou kartu, co se stane?\n            <\/button>\n        <\/h3>\n        <div id=\"item-23303\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-32666\" data-bs-parent=\"#accon2\">\n            <div class=\"accordion-body\">\nPokuta za nep\u0159edlo\u017een\u00ed zelen\u00e9 karty se vztahuje pouze na situace, kdy cestujete do zahrani\u010d\u00ed a zelen\u00e1 karta je povinn\u00e1. P\u0159i b\u011b\u017en\u00e9 j\u00edzd\u011b v \u010cesk\u00e9 republice policie ov\u011b\u0159uje platnost poji\u0161t\u011bn\u00ed p\u0159\u00edmo v registru poji\u0161t\u011bn\u00ed odpov\u011bdnosti z provozu vozidel \u010cKP a nep\u0159edlo\u017een\u00ed zelen\u00e9 karty nen\u00ed d\u016fvodem pro pokutu.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-9089\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-11943\" aria-expanded=\"true\" aria-controls=\"item-11943\">\n            Pokud zp\u016fsob\u00edm nehodu, jak\u00e9 \u0161kody budou poji\u0161\u0165ovnou uhrazeny?\n            <\/button>\n        <\/h3>\n        <div id=\"item-11943\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-9089\" data-bs-parent=\"#accon2\">\n            <div class=\"accordion-body\">\nMimo \u00fajmy na zdrav\u00ed a \u0161kod\u00e1ch na majetku za V\u00e1s poji\u0161\u0165ovna tak\u00e9 uhrad\u00ed u\u0161l\u00fd zisk a n\u00e1klady na pr\u00e1vn\u00ed zastoupen\u00ed po\u0161kozen\u00fdch osob.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-44645\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-49116\" aria-expanded=\"true\" aria-controls=\"item-49116\">\n            M\u00e1m uzav\u0159en\u00e9 povinn\u00e9 ru\u010den\u00ed v \u010cesk\u00e9 republice \u2013 plat\u00ed tak\u00e9 v zahrani\u010d\u00ed?\n            <\/button>\n        <\/h3>\n        <div id=\"item-49116\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-44645\" data-bs-parent=\"#accon2\">\n            <div class=\"accordion-body\">\nAno, Va\u0161e povinn\u00e9 ru\u010den\u00ed plat\u00ed i v zahrani\u010d\u00ed. Platnost v jednotliv\u00fdch st\u00e1tech m\u016f\u017eete nal\u00e9zt v sekci \u010d\u00edslo 8 na Va\u0161\u00ed <a title=\"P\u0159ej\u00edt na str\u00e1nku Zelen\u00e1 karta\" href=\"https:\/\/www.srovnator.cz\/zelena-karta\/\">zelen\u00e9 kart\u011b<\/a>.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-34890\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-33583\" aria-expanded=\"true\" aria-controls=\"item-33583\">\n            Pokud jsem nezaplatil pojistn\u00e9, a tud\u00ed\u017e nem\u00e1m povinn\u00e9 ru\u010den\u00ed, budu platit pokutu u \u010cKP?\n            <\/button>\n        <\/h3>\n        <div id=\"item-33583\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-34890\" data-bs-parent=\"#accon2\">\n            <div class=\"accordion-body\">\nPokutu budete muset zaplatit. Poji\u0161t\u011bn\u00e1 vozidla jsou pravideln\u011b kontrolov\u00e1na \u010ceskou kancel\u00e1\u0159\u00ed pojistitel\u016f s registrem vozidel. Majitel\u00e9 s nepoji\u0161t\u011bn\u00fdmi vozidly jsou obesl\u00e1ni dopisem s pokutou.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<\/div>\n<h2>Havarijn\u00ed poji\u0161t\u011bn\u00ed<\/h2>\n<div class=\"accordion faq mb-4\" id=\"accon3\">\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-2893\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-78684\" aria-expanded=\"true\" aria-controls=\"item-78684\">\n            Jak\u00e9 \u0161kody jsou kryty havarijn\u00edm poji\u0161t\u011bn\u00edm?\n            <\/button>\n        <\/h3>\n        <div id=\"item-78684\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-2893\" data-bs-parent=\"#accon3\">\n            <div class=\"accordion-body\">\nZ havarijn\u00edho poji\u0161t\u011bn\u00ed jsou hrazeny \u0161kody zp\u016fsoben\u00e9 na vlastn\u00edm vozidle. Pokud m\u00e1te sjednan\u00e9 havarijn\u00ed poji\u0161t\u011bn\u00ed a ne\u00famysln\u011b zp\u016fsob\u00edte nehodu, p\u0159i n\u00ed\u017e si zap\u0159\u00ed\u010din\u00edte \u0161kody na sv\u00e9m vozidle, do\u010dk\u00e1te se od poji\u0161\u0165ovny pen\u011bz na opravu.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-71750\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-72976\" aria-expanded=\"true\" aria-controls=\"item-72976\">\n            Kter\u00e9 \u0161kody havarijn\u00ed poji\u0161t\u011bn\u00ed nekryje?\n            <\/button>\n        <\/h3>\n        <div id=\"item-72976\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-71750\" data-bs-parent=\"#accon3\">\n            <div class=\"accordion-body\">\nDo havarijn\u00edho poji\u0161t\u011bn\u00ed nespadaj\u00ed \u0161kody, kter\u00e9 zap\u0159\u00ed\u010din\u00edte druh\u00fdm a t\u0159et\u00edm osob\u00e1m. Tyto \u0161kody jsou kryty <a title=\"P\u0159ej\u00edt na str\u00e1nku Povinn\u00e9 ru\u010den\u00ed\" href=\"https:\/\/www.srovnator.cz\/povinne-ruceni\/\">povinn\u00fdm ru\u010den\u00edm<\/a> \u2013 pro sv\u00e9 vlastn\u00ed dobro byste nem\u011bli bez povinn\u00e9ho ru\u010den\u00ed v\u016fbec vyj\u00ed\u017ed\u011bt na silnici.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-81733\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-21903\" aria-expanded=\"true\" aria-controls=\"item-21903\">\n            M\u00e1m uzav\u0159en\u00e9 havarijn\u00ed poji\u0161t\u011bn\u00ed v \u010cesk\u00e9 republice \u2013 plat\u00ed tak\u00e9 v zahrani\u010d\u00ed? \n            <\/button>\n        <\/h3>\n        <div id=\"item-21903\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-81733\" data-bs-parent=\"#accon3\">\n            <div class=\"accordion-body\">\nKa\u017ed\u00e1 poji\u0161\u0165ovna m\u00e1 jin\u00e9 podm\u00ednky p\u0159i sjedn\u00e1v\u00e1n\u00ed havarijn\u00edho poji\u0161t\u011bn\u00ed \u2013 proto tuto informaci hledejte v podm\u00ednk\u00e1ch poji\u0161\u0165ovny, u kter\u00e9 jste havarijn\u00ed poji\u0161t\u011bn\u00ed uzav\u0159eli.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<\/div>\n<h2>Cestovn\u00ed poji\u0161t\u011bn\u00ed<\/h2>\n<div class=\"accordion faq mb-4\" id=\"accon4\">\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-47022\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-95808\" aria-expanded=\"true\" aria-controls=\"item-95808\">\n            Jak se zachovat v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti?\n            <\/button>\n        <\/h3>\n        <div id=\"item-95808\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-47022\" data-bs-parent=\"#accon4\">\n            <div class=\"accordion-body\">\nPokud lze, neodkladn\u011b kontaktujte asisten\u010dn\u00ed linku poji\u0161\u0165ovny. Karti\u010dku cestovn\u00edho poji\u0161t\u011bn\u00ed a pr\u016fkaz zdravotn\u00ed poji\u0161\u0165ovny mus\u00edte m\u00edt v\u017edy u sebe.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-15837\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-26681\" aria-expanded=\"true\" aria-controls=\"item-26681\">\n            Co je celoro\u010dn\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed?\n            <\/button>\n        <\/h3>\n        <div id=\"item-26681\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-15837\" data-bs-parent=\"#accon4\">\n            <div class=\"accordion-body\">\nV p\u0159\u00edpad\u011b, \u017ee \u010dasto cestujete, p\u0159edstavuje pro V\u00e1s celoro\u010dn\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed optim\u00e1ln\u00ed \u0159e\u0161en\u00ed. Oproti kr\u00e1tkodob\u00e9mu poji\u0161t\u011bn\u00ed sjedn\u00e1van\u00e9mu na ka\u017edou cestu zvl\u00e1\u0161\u0165 nen\u00ed po\u010det cest mimo \u010ceskou republiku omezen. Zpravidla b\u00fdv\u00e1 omezena maxim\u00e1ln\u00ed d\u00e9lka jedn\u00e9 cesty a n\u011bkter\u00e9 poji\u0161\u0165ovny maj\u00ed ur\u010den\u00fd i minim\u00e1ln\u00ed \u010das, kter\u00fd je pot\u0159eba str\u00e1vit ve sv\u00e9 vlasti, ne\u017e zapo\u010dnete dal\u0161\u00ed cestu do zahrani\u010d\u00ed. Nap\u0159\u00edklad pro Evropu je mo\u017en\u00e9 sjednat celoro\u010dn\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed za velmi rozumn\u00e9 ceny.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<\/div>\n<h2>Poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/h2>\n<div class=\"accordion faq mb-4\" id=\"accon5\">\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-43211\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-32870\" aria-expanded=\"true\" aria-controls=\"item-32870\">\n            Co je kryto poji\u0161t\u011bn\u00edm dom\u00e1cnosti?\n            <\/button>\n        <\/h3>\n        <div id=\"item-32870\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-43211\" data-bs-parent=\"#accon5\">\n            <div class=\"accordion-body\">\nPoji\u0161t\u011bn\u00ed dom\u00e1cnosti chr\u00e1n\u00ed va\u0161e vybaven\u00ed v nemovitosti, ve kter\u00e9 bydl\u00edte, v\u010detn\u011b osobn\u00edch v\u011bc\u00ed v\u0161ech \u010dlen\u016f dom\u00e1cnosti. Chr\u00e1n\u011bn je nap\u0159\u00edklad n\u00e1bytek, elektronika, oble\u010den\u00ed apod.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-10666\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-48858\" aria-expanded=\"true\" aria-controls=\"item-48858\">\n            Kter\u00e9 \u0161kody poji\u0161t\u011bn\u00ed dom\u00e1cnosti nekryje?\n            <\/button>\n        <\/h3>\n        <div id=\"item-48858\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-10666\" data-bs-parent=\"#accon5\">\n            <div class=\"accordion-body\">\nDom\u00e1c\u00ed poji\u0161t\u011bn\u00ed nechr\u00e1n\u00ed r\u016fzn\u00e9 rostliny a plodiny, projekty, autorsk\u00e1 a jin\u00e1 nehmotn\u00e1 pr\u00e1va. Bli\u017e\u0161\u00ed informace naleznete v \u010d\u00e1sti \u201ev\u00fdluky z poji\u0161t\u011bn\u00ed\u201c ve v\u0161eobecn\u00fdch pojistn\u00fdch podm\u00ednk\u00e1ch.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Obecn\u00e9 ot\u00e1zky a odpov\u011bdi Povinn\u00e9 ru\u010den\u00ed Havarijn\u00ed poji\u0161t\u011bn\u00ed Cestovn\u00ed poji\u0161t\u011bn\u00ed Poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-3033","page","type-page","status-publish","hentry"],"acf":{"page_post_meta_sidebar":"default","page_post_meta_bread":"FAQ","page_post_meta_bread_child":"FAQ","page_post_meta_script_head":"<script type=\"application\/ld+json\"> { \"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{ \"@type\": \"Question\", \"name\": \"Potvrzuj\u00edc\u00ed e-mail o sjednan\u00e9 smlouv\u011b mi nep\u0159i\u0161el?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Pokud V\u00e1m b\u011bhem n\u011bkolika minut potvrzovac\u00ed e-mail nep\u0159i\u0161el, ihned n\u00e1s kontaktujte na na\u0161em telefonn\u00edm \u010d\u00edsle nebo e-mailov\u00e9 adrese. Zkontrolujeme, zda je V\u00e1mi zadan\u00fd e-mail spr\u00e1vn\u00fd, p\u0159\u00edpadn\u011b V\u00e1m potvrzen\u00ed po\u0161leme znovu.\" } }, { \"@type\": \"Question\", \"name\": \"Smlouva mi nebyla doru\u010dena po\u0161tou?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"V p\u0159\u00edpad\u011b sjedn\u00e1v\u00e1n\u00ed smlouvy zaplacen\u00edm V\u00e1m po\u0161leme n\u00e1vrh pojistn\u00e9 smlouvy na e-mail v elektronick\u00e9 podob\u011b. Jestli\u017ee n\u00e1vrh do va\u0161\u00ed elektronick\u00e9 schr\u00e1nky nep\u0159i\u0161el, kontaktujte n\u00e1s telefonicky nebo na na\u0161\u00ed e-mailov\u00e9 adrese. Zkontrolujeme, zda je V\u00e1mi zadan\u00e1 adresa spr\u00e1vn\u00e1, p\u0159\u00edpadn\u011b po\u0161leme n\u00e1vrh smlouvy znovu.\" } }, { \"@type\": \"Question\", \"name\": \"Nebyla mi zasl\u00e1na zelen\u00e1 karta?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Pokud jste neobdr\u017eel\/a zelenou kartu, kontaktujte n\u00e1s na na\u0161em telefonn\u00edm \u010d\u00edsle nebo e-mailov\u00e9 adrese. Zkontrolujeme V\u00e1mi zadan\u00fd e-mail a adresu, p\u0159\u00edpadn\u011b V\u00e1m zelenou kartu za\u0161leme znovu.\" } }, { \"@type\": \"Question\", \"name\": \"Obdr\u017een\u00e1 smlouva obsahuje chybn\u00e9 \u00fadaje?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Kontaktujte n\u00e1s telefonicky nebo prost\u0159ednictv\u00edm na\u0161\u00ed e-mailov\u00e9 adresy. Po\u0161leme V\u00e1m k podpisu \u017e\u00e1dost o zm\u011bnu nebo upravenou smlouvu, kterou spole\u010dn\u011b s V\u00e1mi oprav\u00edme. Pojistn\u00e1 smlouva je platn\u00e1, chybn\u00fd \u00fadaj bude pouze opraven.\" } }, { \"@type\": \"Question\", \"name\": \"Byl zad\u00e1n \u0161patn\u00fd variabiln\u00ed symbol p\u0159i platb\u011b \u2013 co m\u00e1m d\u011blat?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Kontaktujte n\u00e1s prost\u0159ednictv\u00edm na\u0161\u00ed e-mailov\u00e9 adresy \u2013 v tomto p\u0159\u00edpad\u011b preferujte tuto cestu nam\u00edsto telefonick\u00e9ho hovoru. V e-mailu n\u00e1m za\u0161lete informaci, o jakou smlouvu se jedn\u00e1 a jak\u00fd variabiln\u00ed symbol byl p\u0159i platb\u011b zad\u00e1n. V ide\u00e1ln\u00edm p\u0159\u00edpad\u011b n\u00e1m po\u0161lete tak\u00e9 potvrzen\u00ed o platb\u011b \u2013 z n\u011bj si \u00fadaje sami vy\u010dteme.\" } }, { \"@type\": \"Question\", \"name\": \"Pojistn\u00e9 bylo zaplaceno po dan\u00e9m term\u00ednu?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Jestli\u017ee je Va\u0161e poji\u0161t\u011bn\u00ed sjedn\u00e1v\u00e1no zaplacen\u00edm, je nutn\u00e9 dodr\u017eet stanoven\u00fd term\u00edn pro jeho platbu. V p\u0159\u00edpad\u011b, \u017ee pojistn\u00e9 je uhrazeno po term\u00ednu nebo nen\u00ed uhrazeno v\u016fbec, nevznik\u00e1 poji\u0161t\u011bn\u00ed od data sv\u00e9ho po\u010d\u00e1tku.\" } }, { \"@type\": \"Question\", \"name\": \"Pokud m\u00e1m pouze mal\u00fd technick\u00fd pr\u016fkaz, m\u016f\u017eu si st\u00e1le sjednat smlouvu online?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Ano, m\u016f\u017eete. V\u0161echny pot\u0159ebn\u00e9 \u00fadaje jsou uvedeny i v mal\u00e9m technick\u00e9m pr\u016fkazu. Pouze do kolonky s\u00e9rie a \u010d\u00edslo velk\u00e9ho technick\u00e9ho pr\u016fkazu vypl\u0148te slovy \u201enen\u00ed\u201c \u2013 tento \u00fadaj pak dopln\u00edte dodate\u010dn\u011b.\" } }, { \"@type\": \"Question\", \"name\": \"Nem\u00e1m registra\u010dn\u00ed zna\u010dku \u2013 m\u016f\u017eu si sjednat poji\u0161t\u011bn\u00ed na auto?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"I v tomto p\u0159\u00edpad\u011b si poji\u0161t\u011bn\u00ed na auto sjednat m\u016f\u017eete. Jednodu\u0161e do kolonky, kde je t\u0159eba vyplnit registra\u010dn\u00ed zna\u010dku, vepi\u0161te slovy \u201enen\u00ed\u201c. Pot\u00e9, a\u017e V\u00e1m bude registra\u010dn\u00ed zna\u010dka p\u0159id\u011blena, n\u00e1s kontaktujte e-mailem.\" } }, { \"@type\": \"Question\", \"name\": \"Co d\u011blat, pokud pot\u0159ebuji po\u010d\u00e1tek poji\u0161t\u011bn\u00ed u\u017e dnes?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"I toto je \u0159e\u0161iteln\u00e9. Nejlep\u0161\u00ed bude, pokud n\u00e1s telefonicky kontaktujete, abychom s V\u00e1mi tento po\u017eadavek mohli vy\u0159e\u0161it co nejrychleji. Pokud se n\u00e1s pokou\u0161\u00edte kontaktovat mimo pracovn\u00ed dobu infolinky, zadejte si na na\u0161ich str\u00e1nk\u00e1ch po\u017eadavek, \u017ee chcete b\u00fdt kontaktov\u00e1n z na\u0161\u00ed strany \u2013 v nejbli\u017e\u0161\u00edm mo\u017en\u00e9m \u010dase V\u00e1m zavol\u00e1me.\" } }, { \"@type\": \"Question\", \"name\": \"Pot\u0159ebuji zm\u011bnit \u00fadaje ve smlouv\u011b \u2013 jak m\u00e1m postupovat?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Nejlep\u0161\u00ed bude, pokud n\u00e1s kontaktujete e-mailem. V e-mailu uve\u010fte \u010d\u00edslo pojistn\u00e9 smlouvy, u kter\u00e9 si p\u0159ejete \u00fadaj zm\u011bnit, spole\u010dn\u011b s nov\u00fdmi \u00fadaji (nap\u0159\u00edklad p\u0159i zm\u011bn\u011b registra\u010dn\u00ed zna\u010dky, technick\u00e9ho pr\u016fkazu apod.). Tuto zm\u011bnu v\u0161ak nelze prov\u00e9st, pokud dojde ke zm\u011bn\u011b vlastn\u00edka \u2013 v tomto p\u0159\u00edpad\u011b je zapot\u0159eb\u00ed pojistnou smlouvu ukon\u010dit. I v t\u00e9to situaci jsme V\u00e1m schopni poradit.\" } }, { \"@type\": \"Question\", \"name\": \"Prodal jsem auto, ale pojistn\u00e9 m\u00e1m zaplacen\u00e9 na cel\u00fd rok \u2013 vr\u00e1t\u00ed mi poji\u0161\u0165ovna p\u0159eplatek?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"V tomto p\u0159\u00edpad\u011b V\u00e1m poji\u0161\u0165ovna vyplat\u00ed pom\u011brnou \u010d\u00e1st z ji\u017e uhrazen\u00e9ho pojistn\u00e9ho. \" } }, { \"@type\": \"Question\", \"name\": \"Pokud se rozhodnu zm\u011bnit poji\u0161\u0165ovnu, bude to mo\u017en\u00e9? Pokud ano, p\u0159ijdu t\u00edm p\u00e1dem o bonusy?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Zm\u011bnit poji\u0161\u0165ovnu mo\u017en\u00e9 je, ale ne kdykoli v pr\u016fb\u011bhu roku. P\u0159i p\u0159\u00edpadn\u00e9 zm\u011bn\u011b o bonusy nep\u0159ijdete \u2013 ty jsou evidov\u00e1ny \u010ceskou kancel\u00e1\u0159\u00ed pojistitel\u016f. Nov\u00e1 poji\u0161\u0165ovna tedy ihned uvid\u00ed, kolik bonus\u016f m\u00e1te. Pro v\u00edce informac\u00ed o zm\u011bn\u011b poji\u0161\u0165ovny si p\u0159e\u010dt\u011bte <a title='P\u0159ej\u00edt na str\u00e1nku V\u00fdpov\u011b\u010f povinn\u00e9ho ru\u010den\u00ed' href='https:\/\/www.srovnator.cz\/vypoved-povinneho-ruceni\/'>zde<\/a>.\" } }, { \"@type\": \"Question\", \"name\": \"K \u010demu mi jsou vy\u0161\u0161\u00ed limity pojistn\u00e9ho pln\u011bn\u00ed? To z\u00e1kladn\u00ed nesta\u010d\u00ed?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"\u0160kody p\u0159i dopravn\u00ed nehod\u011b mohou dos\u00e1hnout i \u010d\u00e1stky o v\u00fd\u0161i n\u011bkolika milion\u016f. Povinn\u00e9 ru\u010den\u00ed s vy\u0161\u0161\u00edmi limity V\u00e1s chr\u00e1n\u00ed p\u0159ed p\u0159\u00edpadn\u00fdm zadlu\u017een\u00edm. S vy\u0161\u0161\u00edm limitem pojistn\u00e9ho m\u00e1te toti\u017e jistotu, \u017ee \u0161koda vznikl\u00e1 V\u00e1mi zavin\u011bnou nehodou bude kompletn\u011b uhrazena poji\u0161\u0165ovnou. Pro n\u00e1zornou p\u0159edstavu si uve\u010fme p\u0159\u00edklad: m\u00e1te uzav\u0159en\u00e9 povinn\u00e9 ru\u010den\u00ed s pojistn\u00fdmi limity 35 milion\u016f pro \u00fajmu na zdrav\u00ed a 35 milion\u016f pro \u0161kody na majetku. V p\u0159\u00edpad\u011b, \u017ee zp\u016fsob\u00edte dopravn\u00ed nehodu autobusu pln\u00e9ho lid\u00ed, m\u016f\u017ee \u00fajma na zdrav\u00ed velmi jednodu\u0161e p\u0159es\u00e1hnout hranici 35 milion\u016f K\u010d \u2013 ka\u017ed\u00e1 koruna, kter\u00e1 tento limit p\u0159es\u00e1hne, bude vym\u00e1h\u00e1na poji\u0161\u0165ovnou pr\u00e1v\u011b po V\u00e1s.\" } }, { \"@type\": \"Question\", \"name\": \"Pokud mi bude prov\u00e1d\u011bna silni\u010dn\u00ed kontrola, jak\u00fdm dokladem prok\u00e1\u017eu, \u017ee m\u00e1m sjednan\u00e9 poji\u0161t\u011bn\u00ed?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Jedin\u00fd platn\u00fd doklad, kter\u00fdm lze potvrdit skute\u010dnost sjednan\u00e9ho povinn\u00e9ho ru\u010den\u00ed, je zelen\u00e1 karta. Ze z\u00e1kona mus\u00edte m\u00edt zelenou kartu u sebe poka\u017ed\u00e9, kdy cestujete sv\u00fdm vozidlem.\" } }, { \"@type\": \"Question\", \"name\": \"Pokud u sebe p\u0159i silni\u010dn\u00ed kontrole nebudu m\u00edt zelenou kartu, co se stane?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"V p\u0159\u00edpad\u011b, \u017ee V\u00e1s policie zastav\u00ed a Vy nep\u0159edlo\u017e\u00edte zelenou kartu, hroz\u00ed V\u00e1m blokov\u00e1 pokuta ve v\u00fd\u0161i a\u017e 1 500,- K\u010d nebo pokuta v rozsahu 1 500,- K\u010d a\u017e 3 000,- K\u010d ve spr\u00e1vn\u00edm \u0159\u00edzen\u00ed. Pokud V\u00e1s policist\u00e9 nezastav\u00ed a nejste \u00fa\u010dastn\u00edkem dopravn\u00ed nehody, nehroz\u00ed V\u00e1m v\u016fbec nic.\" } }, { \"@type\": \"Question\", \"name\": \"Pokud zp\u016fsob\u00edm nehodu, jak\u00e9 \u0161kody budou poji\u0161\u0165ovnou uhrazeny?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Mimo \u00fajmy na zdrav\u00ed a \u0161kod\u00e1ch na majetku za V\u00e1s poji\u0161\u0165ovna tak\u00e9 uhrad\u00ed u\u0161l\u00fd zisk a n\u00e1klady na pr\u00e1vn\u00ed zastoupen\u00ed po\u0161kozen\u00fdch osob.\" } }, { \"@type\": \"Question\", \"name\": \"M\u00e1m uzav\u0159en\u00e9 povinn\u00e9 ru\u010den\u00ed v \u010cesk\u00e9 republice \u2013 plat\u00ed tak\u00e9 v zahrani\u010d\u00ed?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Ano, Va\u0161e povinn\u00e9 ru\u010den\u00ed plat\u00ed i v zahrani\u010d\u00ed. Platnost v jednotliv\u00fdch st\u00e1tech m\u016f\u017eete nal\u00e9zt v sekci \u010d\u00edslo 8 na Va\u0161\u00ed <a title='P\u0159ej\u00edt na str\u00e1nku Zelen\u00e1 karta' href='https:\/\/www.srovnator.cz\/zelena-karta\/'>zelen\u00e9 kart\u011b<\/a>.\" } }, { \"@type\": \"Question\", \"name\": \"Pokud jsem nezaplatil pojistn\u00e9, a tud\u00ed\u017e nem\u00e1m povinn\u00e9 ru\u010den\u00ed, budu platit pokutu u \u010cKP?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Pokutu budete muset zaplatit. Poji\u0161t\u011bn\u00e1 vozidla jsou pravideln\u011b kontrolov\u00e1na \u010ceskou kancel\u00e1\u0159\u00ed pojistitel\u016f s registrem vozidel. Majitel\u00e9 s nepoji\u0161t\u011bn\u00fdmi vozidly jsou obesl\u00e1ni dopisem s pokutou.\" } }, { \"@type\": \"Question\", \"name\": \"Jak\u00e9 \u0161kody jsou kryty havarijn\u00edm poji\u0161t\u011bn\u00edm?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Z havarijn\u00edho poji\u0161t\u011bn\u00ed jsou hrazeny \u0161kody zp\u016fsoben\u00e9 na vlastn\u00edm vozidle. Pokud m\u00e1te sjednan\u00e9 havarijn\u00ed poji\u0161t\u011bn\u00ed a ne\u00famysln\u011b zp\u016fsob\u00edte nehodu, p\u0159i n\u00ed\u017e si zap\u0159\u00ed\u010din\u00edte \u0161kody na sv\u00e9m vozidle, do\u010dk\u00e1te se od poji\u0161\u0165ovny pen\u011bz na opravu.\" } }, { \"@type\": \"Question\", \"name\": \"Kter\u00e9 \u0161kody havarijn\u00ed poji\u0161t\u011bn\u00ed nekryje?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Do havarijn\u00edho poji\u0161t\u011bn\u00ed nespadaj\u00ed \u0161kody, kter\u00e9 zap\u0159\u00ed\u010din\u00edte druh\u00fdm a t\u0159et\u00edm osob\u00e1m. Tyto \u0161kody jsou kryty <a title='P\u0159ej\u00edt na str\u00e1nku Povinn\u00e9 ru\u010den\u00ed' href='https:\/\/www.srovnator.cz\/povinne-ruceni\/'>povinn\u00fdm ru\u010den\u00edm<\/a> \u2013 pro sv\u00e9 vlastn\u00ed dobro byste nem\u011bli bez povinn\u00e9ho ru\u010den\u00ed v\u016fbec vyj\u00ed\u017ed\u011bt na silnici.\" } }, { \"@type\": \"Question\", \"name\": \"M\u00e1m uzav\u0159en\u00e9 havarijn\u00ed poji\u0161t\u011bn\u00ed v \u010cesk\u00e9 republice \u2013 plat\u00ed tak\u00e9 v zahrani\u010d\u00ed?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Ka\u017ed\u00e1 poji\u0161\u0165ovna m\u00e1 jin\u00e9 podm\u00ednky p\u0159i sjedn\u00e1v\u00e1n\u00ed havarijn\u00edho poji\u0161t\u011bn\u00ed \u2013 proto tuto informaci hledejte v podm\u00ednk\u00e1ch poji\u0161\u0165ovny, u kter\u00e9 jste havarijn\u00ed poji\u0161t\u011bn\u00ed uzav\u0159eli.\" } }, { \"@type\": \"Question\", \"name\": \"Jak se zachovat v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Pokud lze, neodkladn\u011b kontaktujte asisten\u010dn\u00ed linku poji\u0161\u0165ovny. Karti\u010dku cestovn\u00edho poji\u0161t\u011bn\u00ed a pr\u016fkaz zdravotn\u00ed poji\u0161\u0165ovny mus\u00edte m\u00edt v\u017edy u sebe.\" } }, { \"@type\": \"Question\", \"name\": \"Co je celoro\u010dn\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"V p\u0159\u00edpad\u011b, \u017ee \u010dasto cestujete, p\u0159edstavuje pro V\u00e1s celoro\u010dn\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed optim\u00e1ln\u00ed \u0159e\u0161en\u00ed. Oproti kr\u00e1tkodob\u00e9mu poji\u0161t\u011bn\u00ed sjedn\u00e1van\u00e9mu na ka\u017edou cestu zvl\u00e1\u0161\u0165 nen\u00ed po\u010det cest mimo \u010ceskou republiku omezen. Zpravidla b\u00fdv\u00e1 omezena maxim\u00e1ln\u00ed d\u00e9lka jedn\u00e9 cesty a n\u011bkter\u00e9 poji\u0161\u0165ovny maj\u00ed ur\u010den\u00fd i minim\u00e1ln\u00ed \u010das, kter\u00fd je pot\u0159eba str\u00e1vit ve sv\u00e9 vlasti, ne\u017e zapo\u010dnete dal\u0161\u00ed cestu do zahrani\u010d\u00ed. Nap\u0159\u00edklad pro Evropu je mo\u017en\u00e9 sjednat celoro\u010dn\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed za velmi rozumn\u00e9 ceny.\" } }, { \"@type\": \"Question\", \"name\": \"Co je kryto poji\u0161t\u011bn\u00edm dom\u00e1cnosti?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Poji\u0161t\u011bn\u00ed dom\u00e1cnosti chr\u00e1n\u00ed va\u0161e vybaven\u00ed v nemovitosti, ve kter\u00e9 bydl\u00edte, v\u010detn\u011b osobn\u00edch v\u011bc\u00ed v\u0161ech \u010dlen\u016f dom\u00e1cnosti. Chr\u00e1n\u011bn je nap\u0159\u00edklad n\u00e1bytek, elektronika, oble\u010den\u00ed apod.\" } }, { \"@type\": \"Question\", \"name\": \"Kter\u00e9 \u0161kody poji\u0161t\u011bn\u00ed dom\u00e1cnosti nekryje?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Dom\u00e1c\u00ed poji\u0161t\u011bn\u00ed nechr\u00e1n\u00ed r\u016fzn\u00e9 rostliny a plodiny, projekty, autorsk\u00e1 a jin\u00e1 nehmotn\u00e1 pr\u00e1va. Bli\u017e\u0161\u00ed informace naleznete v \u010d\u00e1sti \u201ev\u00fdluky z poji\u0161t\u011bn\u00ed\u201c ve v\u0161eobecn\u00fdch pojistn\u00fdch podm\u00ednk\u00e1ch.\" } } ] } <\/script>","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>FAQ - Srovn\u00e1tor.cz<\/title>\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\/faq\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FAQ - Srovn\u00e1tor.cz\" \/>\n<meta property=\"og:description\" content=\"Obecn\u00e9 ot\u00e1zky a odpov\u011bdi Povinn\u00e9 ru\u010den\u00ed Havarijn\u00ed poji\u0161t\u011bn\u00ed Cestovn\u00ed poji\u0161t\u011bn\u00ed Poji\u0161t\u011bn\u00ed dom\u00e1cnosti\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.srovnator.cz\/faq\/\" \/>\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=\"2026-01-27T14:57:25+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Srovnator_czech\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.srovnator.cz\/faq\/\",\"url\":\"https:\/\/www.srovnator.cz\/faq\/\",\"name\":\"FAQ - 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