[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zmmodel.cz\/neni-smlouva-jako-smlouva\/#Article","mainEntityOfPage":"https:\/\/www.zmmodel.cz\/neni-smlouva-jako-smlouva\/","headline":"Nen\u00ed smlouva jako smlouva","name":"Nen\u00ed smlouva jako smlouva","description":"Velk\u00e9 novinky v\u00a0oblasti povinn\u00e9ho ru\u010den\u00ed p\u0159ich\u00e1zej\u00ed rok co rok, mnoz\u00ed z\u00a0n\u00e1s se v\u00a0\u0161irok\u00e9 nab\u00eddce poji\u0161\u0165oven ani nevyznaj\u00ed, mnoz\u00ed z\u00a0n\u00e1s ani nev\u011bd\u00ed, \u017ee by mohli v\u00a0t\u00e9to oblasti poji\u0161t\u011bn\u00ed u\u0161et\u0159it. Bez smlouvy ani krok Snad ka\u017ed\u00fd \u0159idi\u010d v\u00ed, \u017ee bez povinn\u00e9ho ru\u010den\u00ed nesm\u00ed s\u00a0autem na silnici. Plat\u00ed to pro ka\u017ed\u00e9ho, kdo sedne za volant. A je jedno, […]","datePublished":"2025-10-20","dateModified":"2025-10-20","author":{"@type":"Person","@id":"https:\/\/www.zmmodel.cz\/author\/#Person","name":"","url":"https:\/\/www.zmmodel.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9cae764794acc12213aa530e21558ed2bd96c03f91e0c3ad21cc1905765be658?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9cae764794acc12213aa530e21558ed2bd96c03f91e0c3ad21cc1905765be658?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zmmodel.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.zmmodel.cz\/neni-smlouva-jako-smlouva\/","wordCount":433,"articleBody":"Velk\u00e9 novinky v\u00a0oblasti povinn\u00e9ho ru\u010den\u00ed p\u0159ich\u00e1zej\u00ed rok co rok, mnoz\u00ed z\u00a0n\u00e1s se v\u00a0\u0161irok\u00e9 nab\u00eddce poji\u0161\u0165oven ani nevyznaj\u00ed, mnoz\u00ed z\u00a0n\u00e1s ani nev\u011bd\u00ed, \u017ee by mohli v\u00a0t\u00e9to oblasti poji\u0161t\u011bn\u00ed u\u0161et\u0159it.Bez smlouvy ani krokSnad ka\u017ed\u00fd \u0159idi\u010d v\u00ed, \u017ee bez povinn\u00e9ho ru\u010den\u00ed nesm\u00ed s\u00a0autem na silnici. Plat\u00ed to pro ka\u017ed\u00e9ho, kdo sedne za volant. A je jedno, \u017ee si auto t\u0159eba jen na jeden den p\u016fj\u010d\u00edte. V\u00a0takov\u00e9m p\u0159\u00edpad\u011b byste si m\u011bli ov\u011b\u0159it, \u017ee je v\u016fz poji\u0161t\u011bn\u00fd. Ve vozidle, kter\u00e9 nem\u00e1 sjedn\u00e1no poji\u0161t\u011bn\u00ed, se jezdit nevypl\u00e1c\u00ed. Smlouvu mus\u00ed m\u00edt dokonce i auta, kter\u00e1 na pozemn\u00ed komunikaci t\u0159eba jen parkuj\u00ed.Povinn\u00e9 ru\u010den\u00edNebo tak\u00e9 poji\u0161t\u011bn\u00ed odpov\u011bdnosti z\u00a0provozu vozidla, je vlastn\u011b smluvn\u00ed poji\u0161t\u011bn\u00ed odpov\u011bdnosti, jeho\u017e \u00fa\u010delem je poji\u0161t\u011bn\u00ed zdrav\u00ed a majetku t\u0159et\u00ed osoby, kter\u00e9 byla zp\u016fsobena \u0161koda zap\u0159\u00ed\u010din\u011bn\u00e1 provozem vozidla. Podm\u00ednky tohoto poji\u0161t\u011bn\u00ed jsou upraveny z\u00e1konem.Havarijn\u00ed poji\u0161t\u011bn\u00edToto poji\u0161t\u011bn\u00ed je pro majitele motorov\u00fdch vozidel dobrovoln\u00e9. \u0158idi\u010di si ho jedn\u00e1vaj\u00ed p\u0159edev\u0161\u00edm proto, aby si minimalizovali rizika na jejich vozidle. Poji\u0161t\u011bn\u00ed v\u011bt\u0161inou zahrnuje pojistn\u00e1 nebezpe\u010d\u00ed typu hav\u00e1ri\u00ed, odcizen\u00ed vozidla, vandalismus nebo i \u017eiveln\u00e9 pohromy. Z\u00e1le\u017e\u00ed pak na ka\u017ed\u00e9m, kter\u00e9 body si do poji\u0161t\u011bn\u00ed chce zahrnout.Srovn\u00e1vejtePoji\u0161\u0165oven je dnes cel\u00e1 \u0159ada, a poji\u0161t\u011bn\u00ed, kter\u00e9 nab\u00edzej\u00ed, je\u0161t\u011b v\u00edce. Je proto dobr\u00e9 p\u0159ed uzav\u0159en\u00edm smlouvy sledovat trh i nab\u00eddky, abyste si vybrali nejv\u00fdhodn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed a neplatili zbyte\u010dn\u011b pen\u00edze za n\u011bco, co nevyu\u017eijete. Dnes tak\u00e9 funguj\u00ed srovn\u00e1va\u010de, kter\u00e9 za v\u00e1s ud\u011blaj\u00ed v\u011bt\u0161inu pr\u00e1ce.Sta\u010d\u00ed na internetu zadat parametry automobilu, i jak\u00e1 rizika chcete pojistit, a srovn\u00e1va\u010d v\u00e1m s\u00e1m vyjede tabulku nejv\u00fdhodn\u011bj\u0161\u00edch poji\u0161t\u011bn\u00ed. Nezapom\u00ednejte v\u0161ak, \u017ee nejlevn\u011bj\u0161\u00ed nen\u00ed v\u017edy nejv\u00fdhodn\u011bj\u0161\u00ed.Pokud jste si pr\u00e1v\u011b koupili nov\u00fd nebo ojet\u00fd v\u016fz, i zde plat\u00ed pravidlo, \u017ee ho mus\u00edte nejprve pojistit, a teprve potom s\u00a0n\u00edm m\u016f\u017eete z\u00a0prodejny odjet. Poji\u0161t\u011bn\u00ed motorov\u00fdch vozidel dnes v\u0161ak ji\u017e nab\u00edz\u00ed ka\u017ed\u00fd prodejce aut, tak\u017ee nemus\u00edte \u0159e\u0161it, kdy a kde si toto poji\u0161t\u011bn\u00ed sjedn\u00e1te.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nen\u00ed smlouva jako smlouva","item":"https:\/\/www.zmmodel.cz\/neni-smlouva-jako-smlouva\/#breadcrumbitem"}]}]