Jak změnit pojišťovnu pro povinné ručení?
12. prosinec 2013 | 05:52Vypovědět 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.
Jsou situace, kdy je nutné vypovědět smlouvu na povinné ručení mimo její výročí. Více o výpovědi: Kdy lze vypovědět smlouvu o povinném ručení?
V ostatních případech spíše jde o změnu pojišťovny kvůli jinm, pro majitele vozidla, výhodnějším podmínkám, než které nabízí stávající posjistná smlouva.
- Výpověď původní smlouvy
- Počet měsíců bez nehody
- Uzavření nové smlouvy
- Dodat nové pojišťovně potvrzení
Výpověď původní smlouvy
Především je nutné výpověď podat písemnou formou. Rozhodně nestačí telefonát do pojišťovny. Pokud klient využije ukončení smlouvy šest týdnů před jejím výročím, je nutné si dát pozor na datum podacího razítka. Dokument musí být doručen do pojišťovny před dobou šesti týdnů výročí smlouvy.
Pouze jedinou pojišťovnou, která na šest týdnů netrvá, je Wüstenrot. Více o službách pojišťovny: Jaké jsou novinky v pojištění vozidel pro rok 2014 u pojišťoven?
Nutné bude vyplnit:
- jméno, příjmení, adresa
- číslo pojistné smlouvy
- informace o vypovězení smlouvy pojištění odpovědnosti za škodu způsobenou provozem vozidla a k jakému datu
- důvod výpovědi, vč. předložených dokumentů
- žádost o zaslání potvrzení o době trvání a škodním průběhu pojištění
- vlastnoruční podpis klienta pojišťovny
Po dobu výpovědi je klient stále pojištěn.
Počet měsíců bez nehody
Pokud přijdete do jiné pojišťovny, se kterou chcete uzavřít pojistnou smlouvu na povinné ručení, budete muset mít informace o dosavadním průběhu pojištění. Potvrzení vystaví stávající pojišťovna.
Ovšem může se stát, že přijdete do nové pojišťovny dříve, než toto potvrzení klient bude mít. Ten by měl zavolat do pojišťovny a zažádat o tyto informace
Uzavření nové smlouvy
Sjednat nové pojištění lze i v předstihu. Pojišťovny umožňují smlouvy uzavřít i dva až tři měsíce dopředu. Novou smlouvu lze utzavřít prakticky ihned v době výpovědi té původní.
Dodat nové pojišťovně potvrzení
Některé pojišťovny kontrolují, resp. ověřují informace o bezeškodním průběhu pojištění v on-line databázi České kanceláře pojistitelů (ČKP). Jiné zase počkají, až klient bude mít potvrzení v ruce. Toto potvrzení by klient měl dostat nejpozději do 15 dnů od ukončení smlouvy.
Autor: Redakce
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