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<!DOCTYPE html> <html lang="sk-SK"> <head> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1"> <title>Bonus-malus systém v PZP - ako funguje a aké sú výhody a nevýhody - Arra</title> <meta name="robots" content="index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1"> <meta property="og:locale" content="sk_SK"> <meta property="og:type" content="article"> <meta property="og:title" content="Bonus-malus systém v PZP - ako funguje a aké sú výhody a nevýhody - Arra"> <meta property="og:description" content="Bonus-malus systém je súčasťou povinného zmluvného poistenia (PZP) a určuje, akými percentami sa mení cena poistky v závislosti na histórii nehôd a poistných udalostí. Tento systém je zavedený na Slovensku už dlhé roky a patrí medzi najdôležitejšie prvky PZP. V tomto článku sa pozrieme na to, ako funguje bonus-malus systém a aké sú jeho výhody … Bonus-malus systém v PZP – ako funguje a aké sú výhody a nevýhody Čítajte viac »"> <meta property="og:url" content="https://www.arra.sk/bonus-malus/"> <meta property="og:site_name" content="Arra"> <meta property="article:published_time" content="2023-03-27T01:28:42+00:00"> <meta property="article:modified_time" content="2023-08-13T02:25:27+00:00"> <meta name="twitter:card" content="summary_large_image"> <meta name="twitter:label1" value="Autor:"> <meta name="twitter:data1" value="greenzebra617"> <meta name="twitter:label2" value="Est. reading time"> <meta name="twitter:data2" value="2 minúty"> <script type="application/ld+json" class="yoast-schema-graph">{"@context":"https://schema.org","@graph":[{"@type":"WebSite","@id":"https://www.arra.sk/#website","url":"https://www.arra.sk/","name":"Arra","description":"Vzdelanie a 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class="entry-title" itemprop="headline">Bonus-malus systém v PZP – ako funguje a aké sú výhody a nevýhody</h1><div class="entry-meta"> <span class="comments-link"> <a href="https://www.arra.sk/bonus-malus/#respond">Pridajte Komentár</a> </span> / <span class="cat-links"><a href="https://www.arra.sk/category/uncategorized/" rel="category tag">Uncategorized</a></span> / Od<span class="posted-by vcard author" itemtype="https://schema.org/Person" itemscope="itemscope" itemprop="author"> <a title="Zobraziť všetky príspevky od greenzebra617" href="https://www.arra.sk/author/greenzebra617/" rel="author" class="url fn n" itemprop="url"> <span class="author-name" itemprop="name">greenzebra617</span> </a> </span> </div> </div> </header> <div class="entry-content clear" itemprop="text"> <p>Bonus-<a href="https://webslovnik.zoznam.sk/slovnik-cudzich-slov/?s=malus">malus</a> systém je súčasťou povinného zmluvného poistenia (PZP) a určuje, akými percentami sa mení cena poistky v závislosti na histórii nehôd a poistných udalostí. Tento systém je zavedený na Slovensku už dlhé roky a patrí medzi najdôležitejšie prvky PZP. V tomto článku sa pozrieme na to, ako funguje bonus-malus systém a aké sú jeho výhody a nevýhody.</p> <h2>Ako funguje bonus-malus systém?</h2> <p>Bonus-malus systém sa používa na určenie poistného, ktoré majú platiť majitelia vozidiel za PZP. Pri začatí poistenia sa každé vozidlo zaraďuje do určitej triedy podľa počtu rokov, ktoré vozidlo nebolo zodpovedné za nehodu alebo poistnú udalosť. Tieto triedy sa nazývajú bonusové triedy a označujú sa číslami od 1 do 23, pričom trieda 1 znamená najvyšší bonus a trieda 23 najvyšší malus.</p> <p>Ak sa majiteľ vozidla dopustí nehody alebo poistnej udalosti, ktorú spôsobil, jeho trieda sa zmení na nižšiu (vyšší malus) a jeho poistné sa zvýši. Naopak, ak majiteľ vozidla nemá žiadne nehody alebo poistné udalosti, jeho trieda sa zvyšuje (nižší malus) a jeho poistné sa znižuje.</p> <h2>Aké sú výhody bonus-malus systému?</h2> <ul> <li>Odmeňuje dobrých vodičov: Bonus-malus systém odmeňuje dobrých vodičov, ktorí sa nedopustili žiadnych nehôd alebo poistných udalostí. Títo vodiči môžu získať zľavy a úsporu peňazí na poistnom.</li> <li>Motivuje k bezpečnej jazde: Bonus-malus systém motivuje vodičov k bezpečnej jazde a k predchádzaniu nehôd a poistných udalostí.</li> <li>Umožňuje porovnať vodičov: Bonus-malus systém umožňuje porovnať vodičov a určiť ich schopnosť a zodpovednosť vodiča. Týmto spôsobom sa snaží znížiť počet nehôd a poistných udalostí spôsobených nedostatočnou zodpovednosťou vodičov.</li> </ul> <h2>Aké sú nevýhody bonus-malus systému?</h2> <ul> <li>Nedostatok dát: Bonus-malus systém niekedy nemusí presne zohľadniť skutočnú zodpovednosť vodiča pri nehode alebo poistnej udalosti. Napríklad, ak nehoda bola spôsobená nejakým iným vodičom, ale priateľ majiteľa vozidla, ktorý bol za volantom, sa priznal, že ju spôsobil, jeho bonus-malus trieda sa zhorší. Tento scenár môže byť nefer pre vodičov, ktorí boli nevinní, ale môžu byť potrestaní za nehodu.</li> <li>Nekompenzuje skutočné náklady: Bonus-malus systém sa zakladá na počte nehôd a poistných udalostí a nemusí zohľadňovať iné faktory, ktoré môžu ovplyvniť skutočné náklady spojené s haváriou. Napríklad, ak drahé vozidlo spôsobí malú škodu, poistné pre majiteľa vozidla môže stúpnuť o veľa viac ako pre majiteľa lacnejšieho vozidla, ktoré spôsobí rovnakú škodu.</li> <li>Nedostatok flexibility: Bonus-malus systém môže byť obmedzujúci pre vodičov, ktorí chcú zmeniť poisťovňu alebo typ poistenia. Zmena poisťovne alebo typu poistenia môže znamenať zmenu bonus-malus triedy a zvýšenie poistného.</li> </ul> <p>Bonus-malus systém je súčasťou povinného zmluvného poistenia a určuje, akými percentami sa mení cena poistky v závislosti na histórii nehôd a poistných udalostí. Systém odmeňuje dobrých vodičov a motivuje k bezpečnej jazde. Avšak môže byť nefer pre vodičov, ktorí boli nevinní a nemusí zohľadňovať iné faktory ovplyvňujúce náklady spojené s haváriou. Je dôležité poznať výhody a nevýhody bonus-malus systému pri rozhodovaní sa o uzatvorení <a href="https://www.arra.sk/pzp-online/">PZP online</a>.</p> </div> </div> </article> <nav class="navigation post-navigation" role="navigation" aria-label="Články"> <h2 class="screen-reader-text">Navigácia v článku</h2> <div class="nav-links"><div class="nav-previous"><a href="https://www.arra.sk/pzp-online/" rel="prev"><span class="ast-left-arrow">←</span> Predchádzajúci Článok</a></div><div class="nav-next"><a href="https://www.arra.sk/dopravna-nehoda-ako-postupovat/" rel="next">Ďalší Článok <span class="ast-right-arrow">→</span></a></div></div> </nav> <div id="comments" class="comments-area"> <div id="respond" class="comment-respond"> <h3 id="reply-title" class="comment-reply-title">Pridajte Komentár <small><a rel="nofollow" id="cancel-comment-reply-link" href="/bonus-malus/#respond" style="display:none;">Zrušte Odpoveď</a></small></h3><form action="https://www.arra.sk/wp-comments-post.php" 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