Od října se změní podmínky u povinného ručení vozidel. Majitelé automobilů a motocyklů budou muset nově zaplatit pojistku ještě předtím, než smlouva začne platit. Jinak ji bude moci pojišťovna vypovědět. Změny se dotknou i takzvaných zelených karet, což jsou osvědčení o platném pojištění odpovědnosti z provozu vozidla.
„Hlavní změnou od 1. října je, že pojištění vozidla bude platné až po zaplacení pojistného. Nyní začíná pojištění platit od data a času uvedeného ve smlouvě bez ohledu na to, zda byla již provedena platba,“ řekl Aleš Rothbarth, obchodní ředitel srovnávače Klik.cz a Epojisteni.cz.
Nově začne pojištění platit až po přijetí platby na účet pojišťovny i v případě smlouvy s odloženým začátkem pojištění.
„Pokud pojistné nebude uhrazeno včas, pojišťovna může posunout počátek jeho platnosti nebo smlouvu zrušit,“ varoval v té souvislosti Martin Thienel ze srovnávače Kalkulátor.cz.
Tato změna podle něj přichází s cílem zajistit větší jistotu pro pojišťovny i ostatní řidiče. Okamžitá platba sníží riziko situací, kdy dojde k nehodě, ale pojistné nebylo dosud zaplaceno. To nyní může způsobovat komplikace při uplatňování nároků na pojistné plnění.
Nová pravidla mohou být pro některé řidiče náročnější, zejména pro ty, kteří jsou zvyklí sjednat pojištění s okamžitou platností, ale s odloženou úhradou. Pozor je třeba dávat také při koupi nového nebo ojetého vozidla, kdy bude nutné ihned zajistit úhradu pojistného, aby pojištění mohlo začít platit.
„Pokud patříte do skupiny lidí, kteří si sjednávají pojištění dostatečně dopředu, tedy takzvaně s odloženým počátkem, měli byste také zbystřit. I v tomto případě totiž musíte uhradit pojistné včas, tedy k datu, kdy vám pojištění začíná,“ dodal Thienel.
Podle Rothbartha bude většina pojišťoven vyžadovat okamžitou platbu, například do hodiny od uzavření smlouvy. „Některé pojišťovny však připravují takzvaný plovoucí počátek, kdy bude možné zaplatit až do sedmi dní po sjednání pojištění,“ konstatovala.
Nejjednodušším způsobem, jak platbu provést včas, je úhrada přes platební bránu. Některé pojišťovny přitom zavádějí novinku v podobě elektronického podpisu. Smlouva začne platit v okamžiku, kdy ji klient podepíše přes odkaz v mobilním telefonu.
„Za nepojištěné vozidlo hrozí pokuta od České kanceláře pojistitelů, a pokud v něm řidič způsobí nehodu, bude muset škodu uhradit z vlastních prostředků,“ dodal Rothbarth.
„Příjemnou změnou je zrušení povinnosti vozit s sebou kartu jako důkaz o sjednání povinného ručení. Od října už ji řidiči na území Česka nebudou muset mít fyzicky u sebe. Policie totiž získá možnost ověřovat platnost pojištění přímo v online evidenci pojištěných vozidel,“ upřesnil Thienel.

Tato změna přináší zjednodušení pro řidiče, kteří si nebudou muset lámat hlavu s tím, zda mají kartu při sobě. Nicméně při cestách do zahraničí bude nutné vozit ji i nadále s sebou. Očekává se ale, že i v této oblasti dojde ke změně v roce 2025, kdy by mohla stačit pouze elektronická verze dokladu.
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