{"id":4036,"date":"2026-03-14T10:57:19","date_gmt":"2026-03-14T09:57:19","guid":{"rendered":"https:\/\/www.svet-financii.sk\/?p=4036"},"modified":"2026-03-14T10:57:20","modified_gmt":"2026-03-14T09:57:20","slug":"zmeny_pzp_2026","status":"publish","type":"post","link":"https:\/\/www.svet-financii.sk\/?p=4036","title":{"rendered":"Revol\u00facia v PZP 2026"},"content":{"rendered":"<h1>Koniec \u201e\u010diernych pasa\u017eierov\u201c a automatick\u00e9 pokuty. \u010co v\u0161etko sa men\u00ed?<\/h1>\n<p data-path-to-node=\"4\">Povinn\u00e9 zmluvn\u00e9 poistenie (PZP) dlh\u00e9 roky mnoh\u00ed majitelia \u00e1ut vn\u00edmali len ako \u201enutn\u00e9 zlo\u201c \u010di zbyto\u010dn\u00fa papierov\u00fa povinnos\u0165. \u010casy, kedy sa dalo jazdi\u0165 bez poistky s vedom\u00edm, \u017ee kontrola je sk\u00f4r n\u00e1hodn\u00e1, sa v\u0161ak definit\u00edvne kon\u010dia. \u0160t\u00e1t v roku 2026 sp\u00fa\u0161\u0165a vlnu zmien, ktor\u00e9 maj\u00fa za cie\u013e jedin\u00e9: vy\u010disti\u0165 cesty od nepoisten\u00fdch vozidiel.<\/p>\n<p data-path-to-node=\"5\">Pod\u013ea odhadov jazd\u00ed po slovensk\u00fdch cest\u00e1ch a\u017e 300 000 \u00e1ut bez platn\u00e9ho PZP. Nov\u00e1 legislat\u00edva prin\u00e1\u0161a mechanizmy, ktor\u00e9 nepoisten\u00e9 auto odhalia prakticky okam\u017eite. \u010co to znamen\u00e1 pre va\u0161u pe\u0148a\u017eenku a na \u010do si da\u0165 pozor?<\/p>\n<h2 data-path-to-node=\"6\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-4039\" src=\"https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/03\/nepoistene_auto_pokuta-300x173.jpg\" alt=\"Automatick\u00e1 pokuta za PZP\" width=\"300\" height=\"173\" srcset=\"https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/03\/nepoistene_auto_pokuta-300x173.jpg 300w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/03\/nepoistene_auto_pokuta-1030x595.jpg 1030w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/03\/nepoistene_auto_pokuta-768x443.jpg 768w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/03\/nepoistene_auto_pokuta-705x407.jpg 705w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/03\/nepoistene_auto_pokuta.jpg 1330w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/h2>\n<h2 data-path-to-node=\"6\">Automatick\u00e9 pokuty v\u010faka objekt\u00edvnej zodpovednosti<\/h2>\n<p data-path-to-node=\"7\">Najz\u00e1sadnej\u0161ou novinkou je zavedenie <b data-path-to-node=\"7\" data-index-in-node=\"37\">objekt\u00edvnej zodpovednosti dr\u017eite\u013ea vozidla<\/b>. Doteraz bolo ukladanie pok\u00fat za neuzatvoren\u00e9 PZP administrat\u00edvne n\u00e1ro\u010dn\u00e9 a zd\u013ahav\u00e9. Po novom bude proces plne automatizovan\u00fd.<\/p>\n<p data-path-to-node=\"8\">Syst\u00e9m prepoj\u00ed datab\u00e1zy Slovenskej kancel\u00e1rie pois\u0165ovate\u013eov (SKP) a Evidencie vozidiel. Akon\u00e1hle poistenie zanikne a nov\u00e9 nie je uzatvoren\u00e9 v z\u00e1konnej lehote, okresn\u00fd \u00farad vygeneruje pokutu automaticky.<\/p>\n<ul data-path-to-node=\"9\">\n<li>\n<p data-path-to-node=\"9,0,0\"><b data-path-to-node=\"9,0,0\" data-index-in-node=\"0\">V\u00fd\u0161ka sankci\u00ed:<\/b> Pokuty sa v\u00fdrazne spr\u00eds\u0148uj\u00fa. Pohybova\u0165 sa bud\u00fa v stovk\u00e1ch eur, pri\u010dom pri opakovanom poru\u0161en\u00ed m\u00f4\u017eu dosiahnu\u0165 a\u017e tis\u00edce.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"9,1,0\"><b data-path-to-node=\"9,1,0\" data-index-in-node=\"0\">Rozkazn\u00e9 konanie:<\/b> \u0160t\u00e1t vyu\u017eije r\u00fdchlej\u0161ie rozkazn\u00e9 konanie, \u010d\u00edm sa eliminuje priestor na vyh\u00fdbanie sa postihu.<\/p>\n<\/li>\n<\/ul>\n<h2 data-path-to-node=\"10\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-4040\" src=\"https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/03\/kontrola-PZP-na-STK-300x174.jpg\" alt=\"Kontrola PZP na STK\" width=\"300\" height=\"174\" srcset=\"https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/03\/kontrola-PZP-na-STK-300x174.jpg 300w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/03\/kontrola-PZP-na-STK-1030x597.jpg 1030w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/03\/kontrola-PZP-na-STK-768x445.jpg 768w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/03\/kontrola-PZP-na-STK-705x409.jpg 705w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/03\/kontrola-PZP-na-STK.jpg 1324w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/h2>\n<h2 data-path-to-node=\"10\">Bez PZP u\u017e technickou kontrolou neprejdete<\/h2>\n<p data-path-to-node=\"11\">\u010eal\u0161\u00edm \u201esitom\u201c, ktor\u00fdm nepoisten\u00e9 aut\u00e1 neprejd\u00fa, bud\u00fa stanice technickej a emisnej kontroly (STK a EK). Kontrola platnosti PZP sa st\u00e1va povinnou s\u00fa\u010das\u0165ou procesu. Ak pri kontrole nebude vozidlo evidovan\u00e9 ako poisten\u00e9, technik v\u00e1m jednoducho <b data-path-to-node=\"11\" data-index-in-node=\"241\">nevyd\u00e1 osved\u010denie o technickej kontrole<\/b>. Vozidlo sa tak stane nesp\u00f4sobil\u00fdm na prev\u00e1dzku, \u010do so sebou prin\u00e1\u0161a \u010fal\u0161ie riziko pok\u00fat od pol\u00edcie.<\/p>\n<h2 data-path-to-node=\"12\">Hromadn\u00e9 vyra\u010fovanie \u201em\u0155tvych\u201c vozidiel z evidencie<\/h2>\n<p data-path-to-node=\"13\">V r\u00e1mci \u201eve\u013ek\u00e9ho upratovania\u201c v datab\u00e1zach pl\u00e1nuje \u0161t\u00e1t hromadne vyradi\u0165 vozidl\u00e1, ktor\u00e9 s\u00fa dlhodobo (viac ako 24 mesiacov) nepoisten\u00e9. Predpoklad\u00e1 sa, \u017ee tieto aut\u00e1 u\u017e re\u00e1lne neexistuj\u00fa alebo s\u00fa nepou\u017eite\u013en\u00e9. Ak v\u0161ak m\u00e1te v gar\u00e1\u017ei auto, ktor\u00e9 pl\u00e1nujete renovova\u0165 a nem\u00e1te ho do\u010dasne vyraden\u00e9 z evidencie, dajte si pozor \u2013 m\u00f4\u017eete o jeho techni\u010d\u00e1k pr\u00eds\u0165 sk\u00f4r, ne\u017e ho stihnete na\u0161tartova\u0165.<\/p>\n<h2 data-path-to-node=\"14\">Finan\u010dn\u00e9 riziko, ktor\u00e9 prevy\u0161uje ak\u00fako\u013evek pokutu<\/h2>\n<p data-path-to-node=\"15\">Ako finan\u010dn\u00edci vieme, \u017ee najv\u00e4\u010d\u0161\u00edm stra\u0161iakom nie je \u0161t\u00e1tna pokuta, ale <b data-path-to-node=\"15\" data-index-in-node=\"72\">regresn\u00fd n\u00e1rok<\/b>. Ak sp\u00f4sob\u00edte nehodu s nepoisten\u00fdm autom, SKP s\u00edce \u0161kodu po\u0161koden\u00e9mu vyplat\u00ed, no n\u00e1sledne bude ka\u017ed\u00e9 jedno euro vym\u00e1ha\u0165 od v\u00e1s.<\/p>\n<p data-path-to-node=\"16\">Pri v\u00e1\u017enej\u0161\u00edch nehod\u00e1ch so \u0161kodou na zdrav\u00ed sa sumy \u0161plhaj\u00fa do st\u00e1tis\u00edcov eur. Novela z\u00e1kona navy\u0161e od augusta 2024 zv\u00fd\u0161ila limity poistn\u00e9ho plnenia (na 6,45 mil. \u20ac pri zdrav\u00ed a 1,3 mil. \u20ac pri majetku), \u010do reflektuje rast\u00face n\u00e1klady na lie\u010dbu a opravy. Bez poistenia tieto sumy ru\u010d\u00edte cel\u00fdm svoj\u00edm majetkom.<\/p>\n<h2 data-path-to-node=\"17\">Na \u010do nezabudn\u00fa\u0165 v roku 2025 a 2026?<\/h2>\n<ol start=\"1\" data-path-to-node=\"18\">\n<li>\n<p data-path-to-node=\"18,0,0\"><b data-path-to-node=\"18,0,0\" data-index-in-node=\"0\">Elektronick\u00e1 zelen\u00e1 karta:<\/b> Od roku 2025 u\u017e nemus\u00edte nosi\u0165 papierov\u00fa verziu, sta\u010d\u00ed ju ma\u0165 v mobile vo form\u00e1te PDF.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"18,1,0\"><b data-path-to-node=\"18,1,0\" data-index-in-node=\"0\">PZP na kolobe\u017eky:<\/b> Nezabudnite, \u017ee povinnos\u0165 poistenia sa u\u017e vz\u0165ahuje aj na v\u00fdkonnej\u0161ie elektrick\u00e9 kolobe\u017eky a segwaye (nad 25 kg a 14 km\/h, resp. nad 25 km\/h).<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"18,2,0\"><b data-path-to-node=\"18,2,0\" data-index-in-node=\"0\">Sledujte v\u00fdro\u010die zmluvy:<\/b> Pois\u0165ovne s\u00fa povinn\u00e9 zoh\u013ead\u0148ova\u0165 v\u00e1\u0161 bez\u0161kodov\u00fd priebeh, no kv\u00f4li infl\u00e1cii a vy\u0161\u0161\u00edm odvodom ceny PZP plo\u0161ne rast\u00fa. Pr\u00e1ve teraz je ide\u00e1lny \u010das na audit va\u0161ich poistn\u00fdch zml\u00fav.<\/p>\n<\/li>\n<\/ol>\n<p data-path-to-node=\"19\"><b data-path-to-node=\"19\" data-index-in-node=\"0\">Tip od Svet-Financi\u00ed:<\/b> Ne\u010dakajte na automatick\u00fa pokutu v schr\u00e1nke. Skontrolujte si platnos\u0165 svojej poistky a ak uva\u017eujete o zmene, vyu\u017eite na\u0161e slu\u017eby, ktor\u00e9 v\u00e1m porovnaj\u00fa aktu\u00e1lne ponuky na trhu za p\u00e1r min\u00fat.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Preh\u013ead z\u00e1sadn\u00fdch zmien v z\u00e1kone o PZP. Zistite, ako funguj\u00fa automatick\u00e9 pokuty, pre\u010do nepoisten\u00e9 auto neprejde cez STK a ak\u00e9 finan\u010dn\u00e9 rizik\u00e1 v\u00e1m hrozia v roku 2026.<\/p>\n","protected":false},"author":1,"featured_media":4038,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"audio","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[23],"tags":[],"class_list":["post-4036","post","type-post","status-publish","format-audio","has-post-thumbnail","hentry","category-ekonomika","post_format-post-format-audio"],"_links":{"self":[{"href":"https:\/\/www.svet-financii.sk\/index.php?rest_route=\/wp\/v2\/posts\/4036","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.svet-financii.sk\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.svet-financii.sk\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.svet-financii.sk\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.svet-financii.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4036"}],"version-history":[{"count":4,"href":"https:\/\/www.svet-financii.sk\/index.php?rest_route=\/wp\/v2\/posts\/4036\/revisions"}],"predecessor-version":[{"id":4043,"href":"https:\/\/www.svet-financii.sk\/index.php?rest_route=\/wp\/v2\/posts\/4036\/revisions\/4043"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.svet-financii.sk\/index.php?rest_route=\/wp\/v2\/media\/4038"}],"wp:attachment":[{"href":"https:\/\/www.svet-financii.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4036"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.svet-financii.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4036"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.svet-financii.sk\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4036"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}