Zavarovalni produkti v EU

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non-EU family members residing in the UK</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/entry-exit/uk-nationals-living-eu-country/index_sl.htm">Travel documents for UK nationals and their family members residing in an EU country</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/entry-exit/expired-lost-passports/index_sl.htm">Pretečeni ali izgubljeni potni list</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/entry-exit/travel-documents-minors/index_sl.htm">Potne listine za mladoletne osebe, ki potujejo v EU</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/travel/passenger-rights/index_sl.htm">Pravice potnikov<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/travel/passenger-rights/air/index_sl.htm">Pravice letalskih potnikov</a></li> <li><a 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href="https://europa.eu/youreurope/citizens/travel/transport-disability/parking-card-disabilities-people/index_sl.htm">Parkirna karta EU za invalide</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/travel/driving-abroad/index_sl.htm">Vožnja v tujini<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/travel/driving-abroad/car-rental-abroad/index_sl.htm">Najem vozila</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/driving-abroad/driving-licence-and-insurance/index_sl.htm">Vozniško dovoljenje in zavarovanje</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/driving-abroad/road-rules-and-safety/index_sl.htm">Cestnoprometni predpisi in varnost</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/travel/carry/index_sl.htm">Kaj lahko vzamemo s seboj<svg 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href="https://europa.eu/youreurope/citizens/travel/carry/using-euro/index_sl.htm">Evro</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/travel/security-and-emergencies/index_sl.htm">Varnost in izredne razmere<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/travel/security-and-emergencies/airport-airline-security/index_sl.htm">Varnost na letališču</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/security-and-emergencies/emergency/index_sl.htm">V nujnem primeru</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/security-and-emergencies/emergency-assistance-vehicles-ecall/index_sl.htm">Sistem eCall – samodejni klic za nujno pomoč na številko 112 iz vozila</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/travel/holidays/index_sl.htm">Turistični aranžmaji in časovni zakup<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/travel/holidays/timeshare/index_sl.htm">Časovni zakup in druge dolgoročne počitniške pogodbe v EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/holidays/package-travel/index_sl.htm">Potovalni paketi in povezani potovalni aranžmaji</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/index_sl.htm">Delo in upokojitev<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/work-abroad/index_sl.htm">Delo v tujini<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/cross-border-commuters/index_sl.htm">Obmejni delavci</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/equal-treatment-with-nationals/index_sl.htm">Enaka obravnava pri delu</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/posted-workers/index_sl.htm">Napoteni delavci</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/work-in-public-sector-abroad/index_sl.htm">Zaposlitev v javnem sektorju v tujini</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/work-permits/index_sl.htm">Delovna dovoljenja</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/employment-contracts/index_sl.htm">Pogodbe o zaposlitvi</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/rules-working-road-transport/index_sl.htm">Pravila EU o delu v cestnem prometu</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/liability-insurance/index_sl.htm">Zavarovanje odgovornosti v drugi državi EU</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/index_sl.htm">Poklicne kvalifikacije<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/regulated-professions/index_sl.htm">Kaj je reguliran poklic</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/apply-permanent-provision-services/index_sl.htm">Vloga za stalno opravljanje storitev</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/apply-temporary-provision-services/index_sl.htm">Prijava začasnega izvajanja storitev</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/professional-bodies-language-requirements/index_sl.htm">Dokumenti in formalnosti</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/european-professional-card/index_sl.htm">Evropska poklicna izkaznica – EPC</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/brexit/index_sl.htm">EU in Združeno kraljestvo: poklicne kvalifikacije</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/index_sl.htm">Socialna varnost in nadomestila<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/social-security/index_sl.htm">Sistemi socialne varnosti v EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/country-coverage/index_sl.htm">Socialna varnost v tujini</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/unemployment/index_sl.htm">Brezposelnost v tujini</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/transferring-unemployment-benefits/index_sl.htm">Prenos nadomestila za brezposelnost</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/cannot-find-work-abroad/index_sl.htm">Neuspešno iskanje zaposlitve</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/family-benefits/index_sl.htm">Družinski prejemki</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/death-grants/index_sl.htm">Družinska pokojnina in pomoč ob smrti</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/social-security-forms/index_sl.htm">Standardni obrazci za uveljavljanje pravic iz socialne varnosti</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/retire-abroad/index_sl.htm">Upokojitev v tujini<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/retire-abroad/supplementary-pensions-abroad/index_sl.htm">Dodatna pokojnina v tujini</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/retire-abroad/state-pensions-abroad/index_sl.htm">Pokojnina v tujini</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/taxes/index_sl.htm">Davki<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/taxes/income-taxes-abroad/index_sl.htm">Davek na dohodek v tujini</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/taxes/double-taxation/index_sl.htm">Dvojna obdavčitev</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/index_sl.htm">Vozila<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/cars/index_sl.htm">Vozila<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/cars/buying-leasing-car-abroad/index_sl.htm">Nakup in zakup vozila</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/cars/vat-buying-selling-cars/index_sl.htm">DDV pri nakupu in prodaji avtomobila</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/cars/company-cars/index_sl.htm">Službeni avtomobili</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/index_sl.htm">Vozniško dovoljenje<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/driving-licence-exchange-recognition/index_sl.htm">Zamenjava in priznavanje vozniškega dovoljenja v EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/get-driving-licence/index_sl.htm">Izdaja vozniškega dovoljenja v EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/driving-licence-renewal/index_sl.htm">Podaljšanje vozniškega dovoljenja v drugi državi EU</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/insurance/index_sl.htm">Avtomobilsko zavarovanje<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/insurance/validity/index_sl.htm">Veljavnost avtomobilskega zavarovanja v EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/insurance/accident/index_sl.htm">Veljavnost avtomobilskega zavarovanja v tujini</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/registration/index_sl.htm">Registracija<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/registration/formalities/index_sl.htm">Postopki in dokumenti za registracijo vozila</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/registration/registration-abroad/index_sl.htm">Registracija vozila v drugi državi EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/registration/taxes-abroad/index_sl.htm">Davki na vozila v drugih državah EU</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/index_sl.htm">Prebivanje<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/index_sl.htm">Pravica do prebivanja<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/inactive-citizens/index_sl.htm">Ekonomsko neaktivni državljani EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/jobseekers/index_sl.htm">Iskalci zaposlitve – pravica do prebivanja</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/pensioners/index_sl.htm">Upokojenci – pravica do prebivanja</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/students/index_sl.htm">Študenti – pravica do prebivanja</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/workers/index_sl.htm">Delavci – pravica do prebivanja</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/brexit-residence-rights/index_sl.htm">Pravice državljanov EU do prebivanja v Združenem kraljestvu in pravice državljanov Združenega kraljestva do prebivanja v EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/naturalisation/index_sl.htm">Naturalizacija</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/index_sl.htm">Družinski člani – pravica do prebivanja<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/eu-wife-husband-children/index_sl.htm">Zakonci in otroci, ki so državljani EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/non-eu-wife-husband-children/index_sl.htm">Zakonci in otroci, ki niso državljani EU </a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/partners/index_sl.htm">Zunajzakonski in registrirani partnerji</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/parents/index_sl.htm">Starši</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/other-family/index_sl.htm">Drugi sorodniki</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/jobseekers-family/index_sl.htm">Družinski člani iskalcev zaposlitve</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/index_sl.htm">Dokumenti in formalnosti<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/eu-family-members-registration/index_sl.htm">Prijava prisotnosti družinskih članov EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/eu-nationals-permanent-residence/index_sl.htm">Stalno prebivanje državljanov EU po 5 letih</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/non-eu-family-members-permanent-residence/index_sl.htm">Stalno prebivanje za družinske člane, ki niso državljani EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/non-eu-family-members-residence-card/index_sl.htm">Dovoljenja za prebivanje družinskih članov, ki niso državljani EU </a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/registering-residence/index_sl.htm">Prijava prebivališča v tujini po prvih treh mesecih</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/reporting-presence/index_sl.htm">Prijava prebivanja, krajšega od 3 mesecev </a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/registering-birth/index_sl.htm">Prijava rojstva</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/legal-gender-recognition/index_sl.htm">Pravila o spremembi podatka o spolu</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/buying-house/index_sl.htm">Nakup nepremičnine</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/deregistering-residence/index_sl.htm">Odjava prebivanja</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/index_sl.htm">Volitve, peticije in posvetovanja<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/european-elections/index_sl.htm">Evropske volitve</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/home-country-elections/index_sl.htm">Volitve v matični državi</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/municipal-elections/index_sl.htm">Lokalne volitve</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/petitions-consultations/index_sl.htm">Peticije in posvetovanja</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/index_sl.htm">Izobraževanje in mladi<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/school/index_sl.htm">Šola<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/school/partner/index_sl.htm">Sodelovanje s šolami v tujini</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/school/enrol/index_sl.htm">Šolanje v drugi državi EU</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/university/index_sl.htm">Univerza<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/university/admission-entry-conditions/index_sl.htm">Univerza - sprejemni in vpisni pogoji</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/fees-and-financial-help/index_sl.htm">Univerza – šolnina in finančna pomoč</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/recognition/index_sl.htm">Priznavanje univerzitetnih diplom</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/study-abroad/index_sl.htm">Študij v tujini in možnosti štipendij</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/working-while-studying/index_sl.htm">Delo med študijem</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/traineeships/index_sl.htm">Pripravništvo<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/traineeships/financial/index_sl.htm">Pripravništvo - finančna podpora</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/volunteering/index_sl.htm">Prostovoljsko delo v EU in po svetu<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/volunteering/where-to-start/index_sl.htm">Prostovoljstvo – kje začeti</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/volunteering/practical-preparations/index_sl.htm">Praktična priprava za prostovoljce</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/research/index_sl.htm">Raziskovalci<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/research/jobs/index_sl.htm">Štipendije in delovna mesta za raziskovalce</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/research/tax/index_sl.htm">Obdavčenje raziskovalcev</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/index_sl.htm">Zdravje<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/index_sl.htm">Nenačrtovane zdravstvene storitve<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/going-to-doctor-hospital-abroad/index_sl.htm">Pri zdravniku/v bolnišnici v tujini</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/payments-reimbursements/index_sl.htm">Nenačrtovane zdravstvene storitve: plačilo in povračilo stroškov</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/temporary-stays/index_sl.htm">Zdravstveno zavarovanje med začasnim bivanjem v tujini</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/ehic/index_sl.htm">Evropska kartica zdravstvenega zavarovanja</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/index_sl.htm">Načrtovano zdravljenje v tujini<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/right-to-treatment/index_sl.htm">Načrtovano zdravljenje v tujini</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/expenses-reimbursements/index_sl.htm">Stroški in povračilo stroškov: načrtovano zdravljenje v tujini</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/get-more-info/index_sl.htm">Informacijske točke za čezmejno zdravstveno varstvo</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/index_sl.htm">Nakup zdravil v drugi državi EU<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/prescriptions/index_sl.htm">Predložitev recepta v drugi državi EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/expenses-reimbursements/index_sl.htm">Zdravila na recept v tujini: stroški in povračilo stroškov</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/buying-medicines-online/index_sl.htm">Spletni nakup zdravil</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/index_sl.htm">Zdravstveno zavarovanje med prebivanjem v tujini<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/health-insurance-cover/index_sl.htm">Zdravstveno zavarovanje</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/residential-care-home/index_sl.htm">Odhod v dom za starejše</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/preventive-healthcare/index_sl.htm">Preventivno zdravstveno varstvo</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/index_sl.htm">Družina<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/children/index_sl.htm">Otroci<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/family/children/parental-responsibility/index_sl.htm">Starševska skrb</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/children/adoption/index_sl.htm">Posvojitev otroka</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/children/abduction/index_sl.htm">Ugrabitev otroka</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/couple/index_sl.htm">Pari<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/family/couple/marriage/index_sl.htm">Zakonska zveza</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/registered-partners/index_sl.htm">Zunajzakonska skupnost in registrirana partnerska skupnost</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/de-facto-unions/index_sl.htm">Zunajzakonska skupnost</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/divorce-separation/index_sl.htm">Razveza in ločitev</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/maintenance/index_sl.htm">Preživnina – preživljanje družinskih članov</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/property-regimes-international-couples/index_sl.htm">Premoženjska razmerja mednarodnih parov</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/getting-public-documents-accepted/index_sl.htm">Priznavanje javnih listin v EU</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/inheritances/index_sl.htm">Smrt, repatriacija in čezmejno dedovanje<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/family/inheritances/managing-inheritance/index_sl.htm">Urejanje čezmejnega dedovanja</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/inheritances/planning-inheritance/index_sl.htm">Načrtovanje čezmejnega dedovanja</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/inheritances/death-repatriation/index_sl.htm">Smrt in repatriacija</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/index_sl.htm">Potrošniki<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/shopping/index_sl.htm">Nakupovanje<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/contract-information/index_sl.htm">Pogodbene informacije</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/guarantees-returns/index_sl.htm">Garancije in vračila</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/pricing-payments/index_sl.htm">Oblikovanje cen in plačila</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/shipping-delivery/index_sl.htm">Pošiljanje in dostava</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/shopping-consumer-rights/index_sl.htm">Pravice potrošnikov pri nakupovanju</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/vat/index_sl.htm">DDV – davek na dodano vrednost</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/product-safety/index_sl.htm">Varnost izdelkov</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/index_sl.htm">Internet in telekomunikacije<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/mobile-roaming-costs/index_sl.htm">Gostovanje: uporaba mobilnega telefona v EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/access-online-content-abroad/index_sl.htm"> Dostop do spletnih vsebin v tujini</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/telecommunication-services/index_sl.htm"> Telekomunikacijske storitve</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/internet-access/index_sl.htm">Uporaba in dostop do interneta</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/data-protection-online-privacy/index_sl.htm">Varstvo podatkov in zasebnost na spletu</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/index_sl.htm">Finančni produkti in storitve<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/bank-accounts-eu/index_sl.htm">Bančni računi v EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_sl.htm">Potrošniški krediti in posojila</a></li> <li class="current"><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/insurance-products/index_sl.htm"><span>Zavarovalni <span class="label-end"><span>produkti</span><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#check"></use></svg></span></span></a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_sl.htm">Naložbeni produkti</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/mortgages/index_sl.htm">Hipotekarna stanovanjska posojila</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/payments-transfers-cheques/index_sl.htm">Plačila, nakazila, čeki</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investments-in-another-eu-country/index_sl.htm">Naložbe v drugi državi EU</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/index_sl.htm">Nepošteno ravnanje<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/unfair-commercial-practices/index_sl.htm">Nepoštene poslovne prakse</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/unfair-pricing/index_sl.htm">Nepošteno označevanje cen</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/unfair-contract-terms/index_sl.htm">Nepošteni pogodbeni pogoji</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/index_sl.htm">Oskrba z energijo<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/access-use-energy-services/index_sl.htm">Uporaba in dostop do energetskih storitev</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/contracts-energy-consumption/index_sl.htm">Pogodbe in poraba energije</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/complaints-dispute-resolution/index_sl.htm">Pritožbe in reševanje sporov</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/index_sl.htm">Reševanje potrošniških sporov<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/informal-dispute-resolution/index_sl.htm">Neformalno reševanje sporov za potrošnike</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/out-of-court-procedures/index_sl.htm">Izvensodni postopki za potrošnike</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/formal-legal-actions/index_sl.htm">Uradni pravdni postopek za potrošnike</a></li> </ul> </li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/index_sl.htm">Poslovanje v Evropi<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/index_sl.htm"> Vodenje podjetja<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/developing-business/index_sl.htm">Razvoj podjetja<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/tourism/index_sl.htm">Poslovanje v turističnem sektorju</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/emas-registration/index_sl.htm">Registracija v sistemu EMAS</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/merging-businesses/index_sl.htm">Združitev podjetij</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/setting-up-european-company/index_sl.htm">Ustanovitev evropske družbe (SE)</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/free-flow-non-personal-data/index_sl.htm">Prosti pretok neosebnih podatkov</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/investments-other-eu-country/index_sl.htm">Razumevanje čezmejnih naložb v EU</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/digitalising/index_sl.htm"> Digitalizacija podjetja<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/setting-up-business-website/index_sl.htm"> Vzpostavitev poslovne spletne strani</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/selling-online-third-party-platforms/index_sl.htm"> Spletna prodaja prek platform tretjih strank</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/setting-up-online-shop/index_sl.htm"> Vzpostavitev spletne trgovine</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/securing-website/index_sl.htm"> Zaščita spletnega mesta</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/deliveries-fulfilment-online-sales/index_sl.htm"> Dostave in izpolnitev naročil za spletne prodaje</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/customer-service-online-businesses/index_sl.htm"> Storitve za stranke pri spletnem poslovanju</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/promoting-business-online/index_sl.htm"> Promocija podjetja na spletu</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/index_sl.htm">Intelektualna lastnina<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/rights/index_sl.htm">Pravice intelektualne lastnine</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/patents/index_sl.htm">Patenti</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/trade-marks/index_sl.htm">Blagovne znamke</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/copyright/index_sl.htm">Avtorska pravica</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/trade-secrets/index_sl.htm">Poslovne skrivnosti</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/design-protection/index_sl.htm">Zaščita modela</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/website-domains/index_sl.htm"> Spletne domene</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/database-protection/index_sl.htm">Zaščita podatkovnih zbirk</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/geographical-indications/index_sl.htm"> Geografske označbe</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/licensing-selling/index_sl.htm">Trženje intelektualne lastnine</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/infringement/index_sl.htm">Kršitev pravic intelektualne lastnine</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/start-ups/index_sl.htm">Zagonska podjetja<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/start-ups/starting-business/index_sl.htm">Ustanovitev podjetja</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/start-ups/erasmus-young-entrepreneurs/index_sl.htm">Erasmus za mlade podjetnike</a></li> </ul> </li> <li><a href="https://europa.eu/youreurope/business/running-business/eu-support-tools-sme/index_sl.htm">Orodja EU za podporo MSP</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/index_sl.htm">Obdavčenje<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/excise-duties-eu/index_sl.htm"> Trošarine<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/taxation/excise-duties-eu/product-excise-duties/index_sl.htm">Trošarinski izdelki</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/excise-duties-eu/paying-excise-duties/index_sl.htm"> Plačilo trošarine</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/vat/index_sl.htm"> DDV<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-rules-rates/index_sl.htm">Pravila in stopnje DDV</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/charging-deducting-vat/index_sl.htm">Obračunavanje davka na dodano vrednost</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-exemptions/index_sl.htm">Oprostitev plačila DDV</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-refunds/index_sl.htm">Vračilo DDV: vložitev zahtevka na spletu</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/cross-border-vat/index_sl.htm">DDV pri čezmejnem poslovanju</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/check-vat-number-vies/index_sl.htm">Identifikacijska številka za DDV (sistem VIES)</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-digital-services-moss-scheme/index_sl.htm"> DDV za digitalne storitve (sistem mini VEM)</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/business-tax/index_sl.htm"> Obdavčitev poslovanja<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/taxation/business-tax/company-tax-eu/index_sl.htm"> Davek od dohodkov pravnih oseb</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/business-tax/taxes-parent-companies-subsidiaries/index_sl.htm"> Obdavčitev matičnih in odvisnih družb</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/index_sl.htm">Prodaja v EU<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/index_sl.htm"> Javna naročila<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/public-tendering-rules/index_sl.htm">Pravila javnega naročanja</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/search-bid-public-tender/index_sl.htm">Javna naročila in oddaja ponudb</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/request-review-public-procurement-procedure/index_sl.htm">Zahtevek za revizijo postopka oddaje javnega naročila</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/index_sl.htm"> Prodaja blaga in storitev<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/selling-products-eu/index_sl.htm">Prodaja izdelkov v EU</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/provide-services-abroad/index_sl.htm">Opravljanje storitev v tujini</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/ecommerce-distance-selling/index_sl.htm">E-trgovanje, prodaja na daljavo in prodaja zunaj poslovnih prostorov</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/package-travel/index_sl.htm"> Potovalni paketi in povezani potovalni aranžmaji</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/parcel-services/index_sl.htm"> Storitve dostave paketov</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/competition-between-businesses/index_sl.htm"> Konkurenca med podjetji<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/competition-between-businesses/competition-rules-eu/index_sl.htm">Pravila konkurence v EU</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/competition-between-businesses/anti-competitive-behaviour/index_sl.htm"> Prijava protikonkurenčnega ravnanja</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/index_sl.htm">Človeški viri<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/index_sl.htm">Pogodbe o zaposlitvi<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/changes-staff-contract/index_sl.htm">Spremembe pogodb o zaposlitvi</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/employment-terms/index_sl.htm">Pogoji zaposlitve</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/fixed-term-work/index_sl.htm">Zaposlitev za določen čas</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/inform-consult-staff/index_sl.htm">Obveščanje zaposlenih in posvetovanje z njimi</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/part-time-work/index_sl.htm">Zaposlitev s krajšim delovnim časom</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/redundancies/index_sl.htm">Odpuščanje delavcev</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/teenage-workers/index_sl.htm">Mladoletni delavci</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/temporary-agency-work/index_sl.htm">Delo prek agencij za posredovanje dela</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/seasonal-workers-non-eu-countries/index_sl.htm">Sezonski delavci iz držav, ki niso članice EU</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/working-hours-holiday-leave/index_sl.htm">Delovni čas in dopust<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/working-hours-holiday-leave/working-hours/index_sl.htm">Delovni čas</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/working-hours-holiday-leave/leave-flexible-working/index_sl.htm">Dopust in prožna ureditev dela</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/index_sl.htm">Delavci v prometnem sektorju<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/civil-aviation-staff/index_sl.htm">Delavci v civilnem letalstvu</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/rail-staff/index_sl.htm">Železničarji</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/road-transportation-workers/index_sl.htm">Zaposlovanje delavcev v cestnem prevozu: čas vožnje in počitka</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/seafarers/index_sl.htm">Pomorščaki</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/inland-waterway-staff/index_sl.htm">Člani posadke v plovbi po celinskih vodah</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/posted-workers/index_sl.htm">Napoteni delavci<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/posted-workers/posting-staff-abroad/index_sl.htm">Napotitev delavcev v tujino</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/posted-workers/drivers/index_sl.htm">Napoteni vozniki</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/social-security-health/index_sl.htm">Socialna varnost in zdravje<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/social-security-health/paying-contributions/index_sl.htm">Plačevanje prispevkov za socialno varnost</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/social-security-health/work-safety/index_sl.htm">Zdravje in varnost pri delu</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/equal-treatment-qualifications/index_sl.htm"> Enako obravnavanje in kvalifikacije<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/equal-treatment-qualifications/equal-treatment/index_sl.htm">Enako obravnavanje zaposlenih</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/equal-treatment-qualifications/reasonable-accommodation/index_sl.htm">Razumna prilagoditev</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/equal-treatment-qualifications/recognition-qualifications/index_sl.htm">Priznavanje kvalifikacij</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/index_sl.htm">Zahteve glede izdelkov<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/standards/index_sl.htm">Standardi<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/standards/standards-in-europe/index_sl.htm">Standardi v Evropi</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/compliance/index_sl.htm">Skladnost proizvodov<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/identifying-product-requirements/index_sl.htm">Opredelitev zahtev za proizvode</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/conformity-assessment/index_sl.htm">Ugotavljanje skladnosti</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/technical-documentation-conformity/index_sl.htm">Tehnična dokumentacija in izjava EU o skladnosti</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/ecodesign/index_sl.htm">Zahteve za okoljsko primerno zasnovo</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/declaration-mutual-recognition/index_sl.htm">Izjava o vzajemnem priznavanju</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/index_sl.htm">Nalepke in oznake<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/ce-marking/index_sl.htm">Oznaka CE</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/energy-labels/index_sl.htm">Energijska nalepka</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/weee-label/index_sl.htm">Oznaka OEEO (WEEE)</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/footwear-label/index_sl.htm"> Označevanje obutve</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/textile-label/index_sl.htm">Označevanje tekstila</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/emark/index_sl.htm">Oznaka „℮"</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/ecolabel/index_sl.htm">Znak EU za okolje</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/chemicals/index_sl.htm"> Kemikalije<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/chemicals/registering-chemicals-reach/index_sl.htm">Registracija kemikalij v EU (uredba REACH)</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/chemicals/classification-labelling-packaging/index_sl.htm">Razvrščanje, označevanje in pakiranje kemikalij</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/recycling-waste-management/index_sl.htm"> Recikliranje in ravnanje z odpadki<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/recycling-waste-management/weee-responsibilities/index_sl.htm">Odgovornosti za ravnanje z odpadki EEO</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/index_sl.htm">Označevanje živil<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/general-rules/index_sl.htm">Pravila za označevanje živil</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/nutrition-declaration/index_sl.htm">Označba hranilne vrednosti</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/supplements/index_sl.htm">Označevanje prehranskih dopolnil</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/additives/index_sl.htm">Aditivi za živila</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/health-nutrition-claims/index_sl.htm">Zdravstvene in prehranske trditve na živilih</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/finance-funding/index_sl.htm">Financiranje in evropska sredstva<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/finance-funding/accounting/index_sl.htm"> Računovodstvo<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/finance-funding/accounting/small-micro-businesses/index_sl.htm">Računovodstvo za mala in srednje velika ter mikro podjetja</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/index_sl.htm">Izvajanje in prejemanje plačil<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/cross-border-debt-recovery/index_sl.htm"> Čezmejna izterjava dolgov</a></li> <li><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/electronic-cash-payments/index_sl.htm">Elektronska in gotovinska plačila</a></li> <li><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/late-payment/index_sl.htm">Zamuda pri plačilu</a></li> <li><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/einvoicing/index_sl.htm">Izdajanje elektronskih računov</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/finance-funding/getting-funding/index_sl.htm"> Kako do finančnih sredstev EU<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://youreurope.europa.eu/business/finance-funding/getting-funding/access-finance/sl">Dostop do financiranja</a></li> <li><a href="https://europa.eu/youreurope/business/finance-funding/getting-funding/eu-funding-programmes/index_sl.htm">Programi financiranja EU</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/dealing-with-customers/index_sl.htm">Delo s strankami<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/dealing-with-customers/consumer-contracts-guarantees/index_sl.htm"> Potrošniške pogodbe in garancije<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/consumer-contracts-guarantees/consumer-guarantees/index_sl.htm">Garancije za potrošnike</a></li> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/consumer-contracts-guarantees/defective-products/index_sl.htm">Izdelki z napako</a></li> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/consumer-contracts-guarantees/consumer-contracts/index_sl.htm">Pogodbe s potrošniki</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/dealing-with-customers/solving-disputes/index_sl.htm"> Reševanje sporov s strankami<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/solving-disputes/online-dispute-resolution/index_sl.htm"> Alternativno/spletno reševanje sporov</a></li> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/solving-disputes/european-small-claims-procedure/index_sl.htm"> Evropski postopek v sporih majhne vrednosti</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/dealing-with-customers/data-protection/index_sl.htm"> Varstvo podatkov<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/data-protection/data-protection-gdpr/index_sl.htm"> Varstvo podatkov v okviru splošne uredbe o varstvu podatkov</a></li> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/data-protection/online-privacy/index_sl.htm"> Zasebnost internetnih uporabnikov</a></li> </ul> </li> </ul> </li> </ul> </li> <li><a href="https://asf.youreurope.europa.eu/?lang=sl" target="_blank">Kontaktirajte službo za pomoč</a></li> <li><a href="https://fosmo.youreurope.europa.eu/?lang=sl" target="_blank">Prijavite oviro</a></li> </ul> </nav> <div id="ua-info-menu"> <div id="ua-toggle-btn" class="ye_boxbutton">Ukrajina<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></div> <div id="ua-toggle-content" class="ye_boxcontent container"> <ul class="ye_list" aria-labelledby="ua-toggle-btn"> <li class="ye_listbylang" lang="ua"> <div id="ua-titlelist_ua" class="ye_title">Допомога ЄС Україні</div> <ul class="ye_links"> <li><a hreflang="ua" target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/eu-assistance-ukraine/information-people-fleeing-war-ukraine_uk">Інформація для людей з України, що шукають порятунку від війни в Україні</a></li> <li><a hreflang="ua" target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/helping-ukrainians-how-you-can-donate-and-engage_uk#ref-%D1%8F%D0%BA-%D0%B2%D0%B8-%D0%BC%D0%BE%D0%B6%D0%B5%D1%82%D0%B5-%D0%B4%D0%BE%D0%BF%D0%BE%D0%BC%D0%BE%D0%B3%D1%82%D0%B8">Як Ви можете допомогти</a></li> <li><a hreflang="ua" target="_blank" href="https://clustercollaboration.eu/content/eu-clusters-supporting-ukraine">Iнформація для бізнесу</a></li> </ul> </li> <li class="ye_listbylang"> <div id="ua-titlelist_or" class="ye_title">Pomoč EU Ukrajini</div> <ul class="ye_links"> <li><a target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/eu-assistance-ukraine/information-people-fleeing-war-ukraine_sl">Informacije za osebe, ki bežijo pred vojno v Ukrajini</a></li> <li><a target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/helping-ukrainians-how-you-can-donate-and-engage_sl#kako-lahko-pomagate">Kako lahko pomagate</a></li> <li><a target="_blank" href="https://clustercollaboration.eu/content/eu-clusters-supporting-ukraine">Informacije za podjetja</a></li> </ul> </li> </ul> </div> </div> </div> </section> </header> <div id="page-header"> <nav class="container"> <ol id="ye-breadcrumb"> <li><a href="https://europa.eu/youreurope/index_sl.htm" lang="en">Your Europe</a><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li class="ellipsis"><button aria-label="Klikni za razširitev" title="Klikni za razširitev">…</button><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li><a 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class="col"> <div id="main-article"> <p>Zavarovalnice lahko svoje produkte prodajajo kjer koli <a class="abbr" title="V tem primeru 27 držav članic EU ter Islandija, Lihtenštajn in Norveška" aria-label="V tem primeru 27 držav članic EU ter Islandija, Lihtenštajn in Norveška">v EU</a> – ustanavljajo lahko svoja podjetja ali neposredno zagotavljajo čezmejne storitve, npr. na spletu ali prek posrednikov.</p> <p>Zavarovalne proizvode (npr. življenjsko zavarovanje, stanovanjsko zavarovanje, <a data-linkid="0bdb08e3-73e0-48ff-befc-cb172addd78a" href="https://europa.eu/youreurope/citizens/vehicles/insurance/index_sl.htm" data-master-href="https://europa.eu/youreurope/citizens/vehicles/insurance/index_en.htm" title="avtomobilsko zavarovanje">avtomobilsko zavarovanje</a>) lahko <strong>izbirate med ponudbami na celotnem evropskem trgu</strong>.</p> <div class="warning sr-friendly"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#warning"></use></svg><div> <h4 class="sr-only">Opozorilo</h4> <p>Vendar to velja samo za <strong>zasebne zavarovalne in pokojninske sklade</strong>, ne pa tudi za vaše <a data-linkid="f60f07a5-1f17-48b1-821b-4e98538e9ac9" href="https://europa.eu/youreurope/citizens/work/index_sl.htm" data-master-href="https://europa.eu/youreurope/citizens/work/index_en.htm" title="pravice iz obveznega socialnega in pokojninskega zavarovanja, ki izhajajo iz vaše delovne dobe">pravice iz obveznega socialnega in pokojninskega zavarovanja, ki izhajajo iz vaše delovne dobe</a>.</p> </div> </div> <p>Zavarovanja lahko prodajajo zavarovalnice neposredno (pogosto prek spleta) ali pa jih prodajajo zavarovalni posredniki (posredniki, zastopniki) ali različna podjetja, kot so letalski prevozniki, potovalne agencije, optiki ali prodajalci elektronskih naprav. Prodajalec vam mora pred podpisom pogodbe <strong>dati bistvene informacije</strong> o sebi in zavarovanju, ki ga nameravate skleniti.</p> <h2>Kaj morate vedeti pred nakupom zavarovalnega produkta</h2> <p>Preden sklenete pogodbo o nakupu zavarovanja, vam mora prodajalec predložiti <strong>standardizirani dokument z informacijami</strong>, t. i. dokument z informacijami o zavarovalnem produktu. Ta dokument vam bo omogočil, da <strong>lažje razumete, kaj kupujete, in primerjate različne ponudbe</strong> za podobne produkte drugih zavarovalnic.</p> <div class="warning sr-friendly"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#warning"></use></svg><div> <h4 class="sr-only">Opozorilo</h4> <p>Ta pravila ne veljajo za produkte življenjskega zavarovanja.</p> </div> </div> <p>Dokument mora biti <strong>kratek</strong> (največ dve strani velikosti A4) in <strong>jasen</strong>. Vsebovati mora naslednje podatke:</p> <ul> <li>ime zavarovalnega produkta in zavarovalnice, ki zagotavlja zavarovanje</li> <li>vrsta zavarovanja</li> <li>kaj je zavarovano</li> <li>kaj ni zavarovano</li> <li>kakršne koli omejitve v zvezi s kritjem</li> <li>obveznosti zavarovanca</li> <li>rok in način plačila</li> <li>kdaj zavarovanje začne in kdaj neha veljati</li> <li>možnosti za odstop od pogodbe</li> </ul> <p>Oseba ali podjetje, ki prodaja zavarovalni produkt, vam mora pred podpisom pogodbe tudi <strong>povedati, ali deluje kot zavarovalniški zastopnik oz. posrednik</strong> in kakšne so <strong>njegove povezave z zavarovalnico, ki ponuja zavarovanje</strong>. Razložiti vam mora denimo, ali od zavarovalnice prejema provizijo za prodajo njenih produktov.</p> <h2>Nakup blaga ali storitev skupaj z zavarovanjem</h2> <p>Kadar vam produkt neživljenjskega zavarovanja ponudijo skupaj z drugim izdelkom ali storitvijo – ob nakupu novega avtomobila vam denimo ponudijo avtomobilsko zavarovanje ali zavarovanje prenosnega računalnika –, <strong>imate pravico, da izdelek ali storitev kupite brez zavarovanja</strong>.</p> <div class="example"> <h4>Praktični primer</h4> <h5>Pri nakupu izdelka pri trgovcu vam ni treba skleniti še zavarovanja</h5> <p>Carole iz Francije je razbila očala, zato je šla po nova k optiku v svojem kraju. Ko je izbrala nova očala, ji je optik predlagal dodatno zavarovanje za primer, če se ji ponovno poškodujejo. Pojasnil ji je pogoje in stroške ter ji dal brošuro z informacijami, da bi lahko doma med čakanjam na nova očala premislila o ponudbi.</p> <p>Carole je na spletu preverila podobna zavarovanja drugih zavarovalnic in našla cenejšo ponudbo z enakimi pogoji. Ko je naslednji teden pri optiku dobila nova očala, ni sprejela njegove zavarovalne ponudbe. Namesto tega se je odločila za cenejše zavarovanje, ki ga je našla na spletu. </p> </div> </div> <div class="article-related eu-legislation"> <h2>Zakonodaja EU</h2> <ul> <li><a href="https://eur-lex.europa.eu/legal-content/sl/TXT/?uri=CELEX:32016L0097" data-linkid="4334d15b-73ab-4b39-bddc-1be77fc69f0a" title="Direktiva EU o distribuciji zavarovalnih produktov">Direktiva EU o distribuciji zavarovalnih <span class="label-end"><span>produktov</span><svg focusable="false" aria-label="Odpri na zunanji povezavi"> <title>Odpri na zunanji povezavi</title> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#external"></use></svg></span></a></li> <li><a href="https://eur-lex.europa.eu/legal-content/SL/TXT/?uri=CELEX:32017R1469" data-linkid="907d0768-5024-476b-8f3f-309077c18a67" title="Izvedbena uredba Komisije o določitvi standardizirane oblike dokumenta z informacijami o zavarovalnem produktu">Izvedbena uredba Komisije o določitvi standardizirane oblike dokumenta z informacijami o 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