{"id":42855,"date":"2026-07-25T10:07:39","date_gmt":"2026-07-25T08:07:39","guid":{"rendered":"https:\/\/www.derivaty.sk\/?p=42855"},"modified":"2026-07-25T10:07:39","modified_gmt":"2026-07-25T08:07:39","slug":"zakladne-poistenie-vozidla-prehlad-povinneho-zmluvneho-poistenia-pzp-a-havarijneho-poistenia","status":"publish","type":"post","link":"https:\/\/www.autoskoly.sk\/news\/zakladne-poistenie-vozidla-prehlad-povinneho-zmluvneho-poistenia-pzp-a-havarijneho-poistenia\/","title":{"rendered":"Z\u00e1kladn\u00e9 poistenie vozidla: Preh\u013ead povinn\u00e9ho zmluvn\u00e9ho poistenia (PZP) a havarijn\u00e9ho poistenia"},"content":{"rendered":"<h2>Pre\u010do by mal vodi\u010d rozumie\u0165 poisteniam PZP a havarijn\u00e9mu<\/h2>\n<p>Poistenie motorov\u00e9ho vozidla nie je len z\u00e1konn\u00e1 povinnos\u0165 \u2013 je to z\u00e1sadn\u00fd finan\u010dn\u00fd n\u00e1stroj na ochranu vodi\u010da, pos\u00e1dky a tret\u00edch os\u00f4b. <strong>Povinn\u00e9 zmluvn\u00e9 poistenie (PZP)<\/strong> kryje \u0161kody sp\u00f4soben\u00e9 prev\u00e1dzkou vozidla tret\u00edm osob\u00e1m, zatia\u013e \u010do <strong>havarijn\u00e9 poistenie<\/strong> chr\u00e1ni va\u0161e vlastn\u00e9 vozidlo proti definovan\u00fdm rizik\u00e1m (hav\u00e1ria, kr\u00e1de\u017e, \u017eivly, vandalizmus a pod.). Spr\u00e1vna vo\u013eba, nastavenie limitov, spolu\u00fa\u010dasti a pripoisten\u00ed rozhoduje o tom, \u010di sa \u0161kodov\u00e1 udalos\u0165 zmen\u00ed na kr\u00e1tkodob\u00e9 nepr\u00edjemnosti alebo na dlhodob\u00fd finan\u010dn\u00fd probl\u00e9m.<\/p>\n<h2>PZP: z\u00e1kladn\u00e1 charakteristika a \u00fa\u010del<\/h2>\n<ul>\n<li><strong>Pr\u00e1vna povinnos\u0165:<\/strong> Ka\u017ed\u00e9 vozidlo prev\u00e1dzkovan\u00e9 na pozemn\u00fdch komunik\u00e1ci\u00e1ch mus\u00ed ma\u0165 platn\u00e9 PZP.<\/li>\n<li><strong>Subjekt krytia:<\/strong> Opr\u00e1vnenou osobou je po\u0161koden\u00fd (tretia osoba), nie vinn\u00edk dopravnej nehody.<\/li>\n<li><strong>Rozsah krytia:<\/strong> \u0160kody na zdrav\u00ed a \u017eivote, vecn\u00e9 \u0161kody, u\u0161l\u00fd zisk, n\u00e1klady spojen\u00e9 s pr\u00e1vnou ochranou a \u010fal\u0161ie n\u00e1roky v zmysle poistn\u00fdch podmienok a z\u00e1kona.<\/li>\n<li><strong>Limity poistn\u00e9ho plnenia:<\/strong> Ur\u010den\u00e9 v poistnej zmluve; vy\u0161\u0161ie limity zni\u017euj\u00fa riziko doplatkov z vlastn\u00fdch prostriedkov pri v\u00e4\u010d\u0161\u00edch \u0161kod\u00e1ch.<\/li>\n<\/ul>\n<h2>\u010co PZP typicky nekryje (alebo kryje iba obmedzene)<\/h2>\n<ul>\n<li><strong>\u0160kody na va\u0161om vozidle:<\/strong> Tieto kryje havarijn\u00e9 poistenie (ak ho m\u00e1te), nie PZP.<\/li>\n<li><strong>\u00damyseln\u00e9 \u0161kody alebo hrub\u00e1 nedbanlivos\u0165:<\/strong> Poistite\u013e m\u00f4\u017ee uplatni\u0165 regres (napr. jazda pod vplyvom alkoholu\/omamn\u00fdch l\u00e1tok, \u00fatek z miesta nehody, neplatn\u00e9 osved\u010denie o TK\/ME pod\u013ea podmienok).<\/li>\n<li><strong>Preprava neprimeran\u00e9ho n\u00e1kladu\/poru\u0161enie predpisov:<\/strong> M\u00f4\u017eu vies\u0165 k obmedzeniu plnenia alebo regresu.<\/li>\n<li><strong>V\u00fdluky v poistn\u00fdch podmienkach:<\/strong> Napr. niektor\u00e9 ekologick\u00e9 \u0161kody mimo r\u00e1mca PZP alebo \u0161kody na prepravovanom tovare; v\u017edy overte \u0161pecifik\u00e1 v zmluve.<\/li>\n<\/ul>\n<h2>Bonus\u2013malus: vplyv \u0161kodov\u00e9ho priebehu na cenu PZP<\/h2>\n<ul>\n<li><strong>Bonus:<\/strong> Z\u013eava za roky bez \u0161kody. Ak nehl\u00e1site \u0161kody, poistn\u00e9 obvykle kles\u00e1.<\/li>\n<li><strong>Malus:<\/strong> Prir\u00e1\u017eka po sp\u00f4sobenej \u0161kode. Prenosnos\u0165 bonusu medzi pois\u0165ov\u0148ami b\u00fdva mo\u017en\u00e1, no podmienky sa l\u00ed\u0161ia.<\/li>\n<li><strong>\u201eUdr\u017eanie bonusu\u201c:<\/strong> Niektor\u00e9 pois\u0165ovne pon\u00fakaj\u00fa pripoistenie odpustenia prvej \u0161kody, ktor\u00e9 udr\u017e\u00ed bonus po jedinej udalosti.<\/li>\n<\/ul>\n<h2>Postup pri \u0161kode z PZP: od nehody po plnenie<\/h2>\n<ol>\n<li><strong>Bezpe\u010dnos\u0165:<\/strong> Zabezpe\u010dte miesto nehody, oble\u010dte reflexn\u00e9 prvky, pou\u017eite v\u00fdstra\u017en\u00fd trojuholn\u00edk.<\/li>\n<li><strong>Dokument\u00e1cia:<\/strong> Vypl\u0148te z\u00e1znam o nehode (Europrotokol), fotodokument\u00e1cia (vozidl\u00e1, zna\u010dky, brzdn\u00e9 stopy, \u0161\u00edr\u0161ie okolie).<\/li>\n<li><strong>Identifik\u00e1cia str\u00e1n:<\/strong> Pois\u0165ov\u0148a a \u010d\u00edslo poistky vinn\u00edka, kontakty svedkov, pol\u00edcia (povinn\u00e1 pri zranen\u00ed, \u0161kode nad ur\u010den\u00fd r\u00e1mec alebo sporoch).<\/li>\n<li><strong>Ozn\u00e1menie \u0161kody:<\/strong> Nahl\u00e1ste pois\u0165ovni po\u0161koden\u00e9ho\/vinn\u00edka pod\u013ea in\u0161trukci\u00ed; dodr\u017ete lehoty a poskytnite s\u00fa\u010dinnos\u0165 pri obhliadke.<\/li>\n<\/ol>\n<h2>Havarijn\u00e9 poistenie: zmysel a z\u00e1kladn\u00e9 piliere<\/h2>\n<p>Havarijn\u00e9 poistenie (\u010diasto\u010dne alebo komplexne) chr\u00e1ni <em>vlastn\u00fd majetok<\/em> \u2013 va\u0161e vozidlo. Ide o dobrovo\u013en\u00e9 poistenie, ktor\u00e9 sa v\u0161ak najm\u00e4 pri nov\u0161\u00edch \u010di financovan\u00fdch vozidl\u00e1ch st\u00e1va prakticky nevyhnutnos\u0165ou.<\/p>\n<ul>\n<li><strong>\u0160tandardn\u00e9 rizik\u00e1:<\/strong> Hav\u00e1ria, kr\u00e1de\u017e, vandalizmus, \u017eivly (povode\u0148, kr\u00fapy, vietor), stret so zverou, p\u00e1d predmetov, po\u017eiar, v\u00fdbuch.<\/li>\n<li><strong>Volite\u013en\u00e9 pripoistenia:<\/strong> \u010celn\u00e9 sklo, ostatn\u00e9 skl\u00e1, bato\u017eina, \u00faraz pos\u00e1dky, n\u00e1hradn\u00e9 vozidlo, pr\u00e1vna ochrana, asisten\u010dn\u00e9 slu\u017eby roz\u0161\u00edren\u00e9ho rozsahu.<\/li>\n<\/ul>\n<h2>Spolu\u00fa\u010das\u0165: ako ovplyv\u0148uje cenu a plnenie<\/h2>\n<ul>\n<li><strong>Fixn\u00e1 (pevn\u00e1) spolu\u00fa\u010das\u0165:<\/strong> Plat\u00edte pevne stanoven\u00fa sumu za ka\u017ed\u00fa \u0161kodu.<\/li>\n<li><strong>Percentu\u00e1lna spolu\u00fa\u010das\u0165:<\/strong> Podie\u013eate sa percentom z v\u00fd\u0161ky \u0161kody, \u010dasto s minimom (napr. 5 % min. 100 \u20ac).<\/li>\n<li><strong>Kombinovan\u00e1 spolu\u00fa\u010das\u0165:<\/strong> Percento s minimom, pr\u00edpadne r\u00f4zne pre jednotliv\u00e9 rizik\u00e1 (napr. hav\u00e1ria vs. kr\u00e1de\u017e vs. skl\u00e1).<\/li>\n<li><strong>D\u00f4sledok na poistn\u00e9:<\/strong> Vy\u0161\u0161ia spolu\u00fa\u010das\u0165 zni\u017euje cenu, no nesie vy\u0161\u0161ie vlastn\u00e9 riziko pri \u0161kod\u00e1ch.<\/li>\n<\/ul>\n<h2>Poistn\u00e1 suma, v\u0161eobecn\u00e1 hodnota a amortiz\u00e1cia<\/h2>\n<ul>\n<li><strong>Poistn\u00e1 suma:<\/strong> Zvy\u010dajne zodpoved\u00e1 v\u0161eobecnej hodnote vozidla (trhovej cene). Nastavenie \u201epr\u00edli\u0161 n\u00edzko\u201c (podpoistenie) znamen\u00e1 kr\u00e1tenie plnenia, \u201epr\u00edli\u0161 vysoko\u201c (nadpoistenie) zase neznamen\u00e1 vy\u0161\u0161ie plnenie, len zbyto\u010dne drah\u0161ie poistn\u00e9.<\/li>\n<li><strong>Amortiz\u00e1cia dielov:<\/strong> Pri oprav\u00e1ch m\u00f4\u017ee pois\u0165ovate\u013e uplatni\u0165 opotrebenie (najm\u00e4 pri star\u0161\u00edch vozidl\u00e1ch). Niektor\u00e9 produkty pon\u00fakaj\u00fa <em>nov\u00fa hodnotu<\/em> na limitovan\u00fd \u010das (napr. prv\u00e9 roky prev\u00e1dzky) alebo zmluvne obmedzuj\u00fa amortiz\u00e1ciu.<\/li>\n<li><strong>Sp\u00f4sob opravy:<\/strong> Zmluvn\u00e9 servisy bez hotovosti vs. vlastn\u00fd servis s n\u00e1slednou refund\u00e1ciou; sledujte podmienky (origin\u00e1lne vs. alternat\u00edvne diely, hodinov\u00e9 sadzby, limit na lakovanie).<\/li>\n<\/ul>\n<h2>GAP poistenie a \u201eNov\u00e1 hodnota\u201c<\/h2>\n<ul>\n<li><strong>GAP (Guaranteed Asset Protection):<\/strong> Kryje rozdiel medzi v\u0161eobecnou (aktu\u00e1lnou) hodnotou vozidla v \u010dase tot\u00e1lnej \u0161kody\/kr\u00e1de\u017ee a obstar\u00e1vacou cenou alebo nesplaten\u00fdm zostatkom z financovania (pod\u013ea typu GAP).<\/li>\n<li><strong>Nov\u00e1 hodnota:<\/strong> Niektor\u00e9 havarijn\u00e9 poistenia plnia pri tot\u00e1lnej \u0161kode\/kr\u00e1de\u017ei <em>cenu nov\u00e9ho vozidla<\/em> po\u010das prv\u00fdch mesiacov\/rokov. Podmienky a limity si overte (max. n\u00e1jazd, vek, prv\u00fd majite\u013e a pod.).<\/li>\n<\/ul>\n<h2>Asisten\u010dn\u00e9 slu\u017eby: viac ne\u017e od\u0165ah<\/h2>\n<ul>\n<li><strong>\u0160tandard:<\/strong> Od\u0165ah do najbli\u017e\u0161ieho servisu, z\u00e1kladn\u00e1 oprava na mieste, dovoz paliva, v\u00fdmena pneumatiky, \u0161tart pomocou \u0161tartovac\u00edch k\u00e1blov.<\/li>\n<li><strong>Roz\u0161\u00edren\u00e9 bal\u00edky:<\/strong> N\u00e1hradn\u00e9 vozidlo, ubytovanie pos\u00e1dky, pokra\u010dovanie v ceste, repatri\u00e1cia vozidla zo zahrani\u010dia, nonstop infolinka s prekladate\u013eskou asistenciou.<\/li>\n<li><strong>Limity:<\/strong> Sledujte kilometrov\u00e9, cenov\u00e9 a \u00fazemn\u00e9 limity (SR\/E\u00da\/\u201eZelen\u00e1 karta\u201c).<\/li>\n<\/ul>\n<h2>Havarijn\u00e9 poistenie: v\u00fdluky a povinnosti poisten\u00e9ho<\/h2>\n<ul>\n<li><strong>Typick\u00e9 v\u00fdluky:<\/strong> \u00damyseln\u00e9 po\u0161kodenie, preteky a tr\u00e9novanie na ne, pou\u017eitie vozidla v rozpore s \u00fa\u010delom, jazda pod vplyvom alkoholu\/omamn\u00fdch l\u00e1tok, nevyhovuj\u00faci technick\u00fd stav.<\/li>\n<li><strong>Povinnosti:<\/strong> Predch\u00e1dza\u0165 \u0161kod\u00e1m (napr. zabezpe\u010di\u0165 vozidlo proti kr\u00e1de\u017ei pod\u013ea zmluvy), bezodkladne nahl\u00e1si\u0165 \u0161kodu, poskytn\u00fa\u0165 pravdiv\u00e9 inform\u00e1cie, umo\u017eni\u0165 obhliadku a uchova\u0165 po\u0161koden\u00e9 \u010dasti do skon\u010denia \u0161etrenia.<\/li>\n<li><strong>Franchise\/limity pre skl\u00e1:<\/strong> Pri v\u00fdmene skla b\u00fdva spolu\u00fa\u010das\u0165 ni\u017e\u0161ia alebo nulov\u00e1 pri partnersk\u00fdch servisoch; inde m\u00f4\u017ee by\u0165 vy\u0161\u0161ia.<\/li>\n<\/ul>\n<h2>Financovanie a leasing: \u0161pecifik\u00e1 poistenia<\/h2>\n<ul>\n<li><strong>Povinn\u00e9 krytia:<\/strong> Financuj\u00faca spolo\u010dnos\u0165 zvy\u010dajne vy\u017eaduje havarijn\u00e9 poistenie s definovan\u00fdmi minimami a spolu\u00fa\u010das\u0165ami.<\/li>\n<li><strong>Sp\u00f4sob plnenia:<\/strong> Plnenie m\u00f4\u017ee smerova\u0165 priamo leasingovke ako vlastn\u00edkovi; preverujte proces schva\u013eovania opr\u00e1v.<\/li>\n<li><strong>Podmienky str\u00e1\u017eenia k\u013e\u00fa\u010dov\/ zabezpe\u010denia:<\/strong> Pri kr\u00e1de\u017ei sa po\u017eaduje preuk\u00e1zanie odcudzenia (k\u013e\u00fa\u010de, imobiliz\u00e9r, alarm, GPS pod\u013ea zmluvy).<\/li>\n<\/ul>\n<h2>Cestovanie do zahrani\u010dia a \u201eZelen\u00e1 karta\u201c<\/h2>\n<ul>\n<li><strong>Doklad o PZP:<\/strong> Medzin\u00e1rodn\u00e1 \u201eZelen\u00e1 karta\u201c pre vybran\u00e9 krajiny syst\u00e9mu Zelenej karty; v E\u00da\/EEA spravidla posta\u010duje n\u00e1rodn\u00fd doklad o poisten\u00ed \u2013 v\u017edy si overte aktu\u00e1lne pravidl\u00e1 a rozsah \u00fazemia v zmluve.<\/li>\n<li><strong>Asistencia a havarijn\u00e9 v zahrani\u010d\u00ed:<\/strong> Sledova\u0165 \u00fazemn\u00fa platnos\u0165 (E\u00da\/Europa\/\u201emimo E\u00da\u201c), limity od\u0165ahu\/repatri\u00e1cie a spolu\u00fa\u010dasti.<\/li>\n<\/ul>\n<h2>Ko\u013eko poistky \u201emaj\u00fa st\u00e1\u0165\u201c: faktory ovplyv\u0148uj\u00face cenu<\/h2>\n<ul>\n<li><strong>Parametre vozidla:<\/strong> Zna\u010dka, model, v\u00fdkon, vek, zabezpe\u010denie, cena dielov.<\/li>\n<li><strong>Profil vodi\u010da:<\/strong> Vek, prax, bydlisko (rizikovos\u0165 regi\u00f3nu), \u0161kodov\u00fd priebeh (bonus\u2013malus).<\/li>\n<li><strong>Rozsah krytia:<\/strong> Limity, spolu\u00fa\u010das\u0165, pripoistenia, asisten\u010dn\u00e9 bal\u00edky.<\/li>\n<li><strong>Sp\u00f4sob pou\u017e\u00edvania:<\/strong> S\u00fakromne vs. podnikate\u013esky, n\u00e1jazd, parkovanie na ulici\/gar\u00e1\u017ei, vozidlo zdie\u013ean\u00e9 viacer\u00fdmi vodi\u010dmi.<\/li>\n<\/ul>\n<h2>Praktick\u00e9 scen\u00e1re: ako uva\u017eova\u0165 pri v\u00fdbere<\/h2>\n<ul>\n<li><strong>Nov\u00e9\/aktu\u00e1lne financovan\u00e9 vozidlo:<\/strong> Odpor\u00fa\u010dan\u00fd komplex havarijn\u00e9ho (all-risk) + vy\u0161\u0161ie limity PZP + GAP alebo \u201enov\u00e1 hodnota\u201c.<\/li>\n<li><strong>Star\u0161ie vozidlo s n\u00edzkou trhovou hodnotou:<\/strong> Zv\u00e1\u017ete lacnej\u0161ie havarijn\u00e9 (napr. len \u017eivly\/skl\u00e1\/zver) alebo len PZP s kvalitnou asistenciou. Porovnajte ro\u010dn\u00e9 poistn\u00e9 vs. potenci\u00e1lne plnenie.<\/li>\n<li><strong>Jazda preva\u017ene v meste:<\/strong> Vy\u0161\u0161ie riziko drobn\u00fdch \u0161k\u00f4d a vandalizmu \u2013 d\u00f4le\u017eit\u00e9 krytie skiel a parkovac\u00edch \u0161k\u00f4d (ak je v ponuke).<\/li>\n<li><strong>Dia\u013enice a dlh\u00e9 trasy:<\/strong> D\u00f4raz na asistenciu (n\u00e1hradn\u00e9 vozidlo, ubytovanie, repatri\u00e1cia), krytie zveri a \u017eivlov.<\/li>\n<\/ul>\n<h2>Naj\u010dastej\u0161ie chyby pri poisten\u00ed vozidla<\/h2>\n<ul>\n<li><strong>N\u00edzke limity PZP:<\/strong> Pri v\u00e1\u017enych \u0161kod\u00e1ch hroz\u00ed doplatok z vlastn\u00e9ho \u2013 odpor\u00fa\u010da sa voli\u0165 nad\u0161tandardn\u00e9 limity.<\/li>\n<li><strong>Podpoistenie v havarijnom:<\/strong> Nespr\u00e1vne nastaven\u00e1 poistn\u00e1 suma zni\u017euje plnenie pri tot\u00e1lnej \u0161kode.<\/li>\n<li><strong>Nedorozumenia pri spolu\u00fa\u010dasti:<\/strong> Percento + minimum m\u00f4\u017ee znamena\u0165 vy\u0161\u0161\u00ed re\u00e1lny doplatok, ne\u017e \u010dak\u00e1te.<\/li>\n<li><strong>Prehliadnut\u00e9 v\u00fdluky:<\/strong> Neozn\u00e1menie dodato\u010dn\u00fdch zabezpe\u010den\u00ed, pracovn\u00e9 vyu\u017eitie vozidla, preprava os\u00f4b\/vec\u00ed nad r\u00e1mec zmluvy.<\/li>\n<li><strong>Ignorovanie asisten\u010dn\u00fdch limitov:<\/strong> V praxi rozhoduj\u00fa o komforte rie\u0161enia \u0161kody.<\/li>\n<\/ul>\n<h2>Checklist pred podpisom poistnej zmluvy<\/h2>\n<ol>\n<li>Overi\u0165 <strong>limity PZP<\/strong> (zdravie\/majetok) a zv\u00e1\u017ei\u0165 ich nav\u00fd\u0161enie.<\/li>\n<li>Skontrolova\u0165 <strong>\u00fazemn\u00fa platnos\u0165<\/strong> (SR\/E\u00da\/ostatn\u00e9 krajiny) pri PZP aj havarijnom.<\/li>\n<li>Ur\u010di\u0165 <strong>rozsah krytia havarijn\u00e9ho<\/strong> (hav\u00e1ria, kr\u00e1de\u017e, \u017eivly, vandalizmus, zver) a vhodn\u00e9 pripoistenia (skl\u00e1, \u00faraz pos\u00e1dky, pr\u00e1vna ochrana, bato\u017eina, n\u00e1hradn\u00e9 vozidlo).<\/li>\n<li>Nastavi\u0165 <strong>spolu\u00fa\u010das\u0165<\/strong> pod\u013ea v\u00e1\u0161ho rizikov\u00e9ho profilu a rezervy.<\/li>\n<li>Vyhn\u00fa\u0165 sa <strong>podpoisteniu<\/strong> \u2013 zodpovedaj\u00faca poistn\u00e1 suma a pravideln\u00e1 aktualiz\u00e1cia.<\/li>\n<li>Skontrolova\u0165 <strong>asisten\u010dn\u00e9 slu\u017eby<\/strong> a ich limity, vr\u00e1tane zahrani\u010dia.<\/li>\n<li>Pre\u010d\u00edta\u0165 <strong>v\u00fdluky<\/strong> a povinnosti poisten\u00e9ho (ochrana proti kr\u00e1de\u017ei, servisn\u00e9 podmienky).<\/li>\n<li>Porovna\u0165 <strong>bonus\u2013malus<\/strong> a podmienky prenosu medzi pois\u0165ov\u0148ami.<\/li>\n<\/ol>\n<h2>Zhrnutie<\/h2>\n<p><strong>PZP<\/strong> je nevyhnutn\u00e1 pr\u00e1vna ochrana tret\u00edch os\u00f4b, ktor\u00e1 chr\u00e1ni aj v\u00e1s pred vysok\u00fdmi n\u00e1rokmi po\u0161koden\u00fdch. <strong>Havarijn\u00e9 poistenie<\/strong> je flexibiln\u00fd n\u00e1stroj na ochranu v\u00e1\u0161ho vozidla \u2013 k\u013e\u00fa\u010dov\u00e9 je spr\u00e1vne zvoli\u0165 rozsah krytia, limity a spolu\u00fa\u010das\u0165. Rozumn\u00e1 kombin\u00e1cia oboch, doplnen\u00e1 o adekv\u00e1tne asisten\u010dn\u00e9 slu\u017eby a pr\u00edpadne <em>GAP<\/em>\/\u201enov\u00fa hodnotu\u201c, minimalizuje finan\u010dn\u00e9 rizik\u00e1 a zvy\u0161uje istotu za volantom. Informovan\u00e1 vo\u013eba dnes \u0161etr\u00ed tis\u00edce eur zajtra.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Poistky vodi\u010da v skratke: \u010do kryje PZP vs. havarijn\u00e9 a na \u010do si da\u0165 pozor pri v\u00fdluk\u00e1ch a spolu\u00fa\u010dasti.<\/p>\n","protected":false},"author":59,"featured_media":82855,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1085],"tags":[1385,1386,1387,1380,1388,306,1389,1390],"class_list":["post-42855","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-autoskola","tag-asistencne-sluzby","tag-havarijne","tag-poistenie-vodica","tag-poistky","tag-pripoistenia","tag-pzp","tag-spoluucast","tag-vyluky"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Z\u00e1kladn\u00e9 poistenie vozidla: Preh\u013ead povinn\u00e9ho zmluvn\u00e9ho poistenia (PZP) a havarijn\u00e9ho poistenia - 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