Jak vybrat povinné ručení? Cena není rozhodující

13. prosinec 2013 | 05:44

Hledání nízkých cen povinného ručení je stále častější činnostií majitelů vozidel. Ovšem ne vždy je cena rozhodující a to hlavní, na co bychom se měli zaměřovat.

U povinného ručení je kromě ceny důležitá nabídka služeb dané pojišťovny. Povinné ručení má mnoho variant. Třeba od základu zajišťujícím jen to, aby poškozenému byla hrazena škoda v nejnižším zákonném limitu. A to až po pojistku, která se pojištěnému postará i o asistenci. Některé pojišťovny přidají i bonus ve formě mobilního telefonu.

Při výběru pojištění je vhodné dbát na to, abyste měli z čeho vybírat a co srovnávat. Také je žádoucí si přečíst všeobecné pojistné podmínky, ve kterých se může skrývat mnoho záludností.

Důležité jsou především pojistné limity. Minimálně podle zákona musí být limit 35 milionů korun na škody na zdraví a 35 milionů korun na škody na majetku.

Další položkou jsou asistenční služby nebo možnost využít bonus za bezškodní průběh. To znamená jediné: pokud pojišťovna bonus akceptuje, tím se zlevňuje pojištění povinného ručení.

Rada na závěr: Pokud nechce pojistný poradce férově ukázat všechny dokumenty, je lepší se poohlédnout tam, kde jsou vstřícnější.

Autor: Redakce

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Čtěte také...

Jak změnit pojišťovnu pro povinné ručení?

Vypovědět pojistnou smluvu na povinné ručení je možné, avšak je nutné udělat několik podstatných kroků. Pokud majitel vozidla chce přejít k jiné pojišťovně, většinou to lze na její výročí.

Ceny pojištění auta u povinného ručení v roce 2014 vzrostou

S novým občanským zákoníkem lze předpokládat, že vzrostou náklady na odškodnění hlavně kvůli novému výpočtu na zdraví. S tím souvisí i zdražení povinného ručení vozidel.


Kdy lze vypovědět smlouvu o povinném ručení?

Máte uzavřenou smlouvu na povinné ručení u některé z pojišťoven a oslovila vás jiná nabídka? Pokud chcete přestoupit k někomu jinému, je to možné. Ovšem je nutné dodržet některá pravidla.

Jaké slevy dávají pojišťovny u povinného ručení?

Každá pojišťovna k povinnému ručení poskytuje bonusy. Dalším zvýhodněním k základní ceně za pojištění jsou i slevy. Jsou výběrové a není na ně nárok.




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