[{"id":931,"date":"2024-09-16T21:37:21","date_gmt":"2024-09-16T20:37:21","guid":{"rendered":"https:\/\/www.michaldolezel.cz\/?p=931"},"modified":"2024-09-16T21:50:56","modified_gmt":"2024-09-16T20:50:56","slug":"potreti-top-poradce","status":"publish","type":"post","link":"https:\/\/www.michaldolezel.cz\/potreti-top-poradce\/","title":{"rendered":"TOP PORADCE 2023\/2024 v OK KLIENT. Ji\u017e pot\u0159et\u00ed za sebou!"},"content":{"rendered":"

Mil\u00ed klienti,<\/p>\n

s velkou pokorou a radost\u00ed bych v\u00e1m v\u0161em r\u00e1d pod\u011bkoval za to, \u017ee jsem ji\u017e pot\u0159et\u00ed za sebou mohl p\u0159evz\u00edt ocen\u011bn\u00ed za svou pr\u00e1ci. T\u0159i prvn\u00ed m\u00edsta ve t\u0159ech ro\u010dn\u00edc\u00edch sout\u011b\u017ee o TOP PORADCE OK KLIENT<\/a>, jsou nejen potvrzen\u00edm m\u00e9ho \u00fasil\u00ed, ale p\u0159edev\u0161\u00edm sv\u011bdectv\u00edm o d\u016fv\u011b\u0159e, kterou ve mn\u011b a v mou pr\u00e1ci vkl\u00e1d\u00e1te.<\/p>\n

Tento \u00fasp\u011bch pro m\u011b znamen\u00e1 mnohem v\u00edc ne\u017e jen trofej na polici \u2013 je to symbol hodnot, kter\u00e9 sd\u00edl\u00edme. Kvalitn\u00ed slu\u017eba, dlouhodob\u00e9 vztahy a skute\u010dn\u00e1 spokojenost z\u00e1kazn\u00edk\u016f jsou pro m\u011b motorem, kter\u00fd m\u011b ka\u017ed\u00fd den \u017eene vp\u0159ed. Ocen\u011bn\u00ed bych nikdy nez\u00edskal bez v\u00e1s \u2013 m\u00fdch klient\u016f \u2013 a bez podpory t\u00fdmu spole\u010dnosti OK KLIENT, kter\u00fd m\u011b prov\u00e1z\u00ed na m\u00e9 cest\u011b.<\/p>\n

P\u0159ij\u00edm\u00e1m toto ocen\u011bn\u00ed s pokorou a v\u011bdom\u00edm, \u017ee \u00fasp\u011bch nen\u00ed kone\u010dn\u00e1 stanice, ale pozv\u00e1n\u00ed k tomu b\u00fdt je\u0161t\u011b lep\u0161\u00ed. Ka\u017ed\u00e9 v\u00edt\u011bzstv\u00ed je pro m\u011b p\u0159\u00edle\u017eitost\u00ed znovu p\u0159em\u00fd\u0161let nad t\u00edm, jak mohu p\u0159in\u00e1\u0161et v\u011bt\u0161\u00ed hodnotu, v\u011bt\u0161\u00ed p\u00e9\u010di a hlub\u0161\u00ed porozum\u011bn\u00ed va\u0161im pot\u0159eb\u00e1m.<\/p>\n

D\u011bkuji v\u00e1m za va\u0161i d\u016fv\u011bru, trp\u011blivost a podporu. Budu se sna\u017eit i nad\u00e1le p\u0159ekon\u00e1vat va\u0161e o\u010dek\u00e1v\u00e1n\u00ed a poskytovat v\u00e1m ty nejlep\u0161\u00ed slu\u017eby. Tento \u00fasp\u011bch je i va\u0161\u00edm \u00fasp\u011bchem, a j\u00e1 jsem nesm\u00edrn\u011b vd\u011b\u010dn\u00fd, \u017ee m\u016f\u017eeme tuto cestu podnikat spole\u010dn\u011b<\/p>\n

S \u00factou a vd\u011b\u010dnost\u00ed,<\/p>\n

Michal Dole\u017eel<\/p>\n

\"\"<\/p>\n

Kontaktovat m\u011b m\u016f\u017eete ZDE<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Mil\u00ed klienti, s velkou pokorou a radost\u00ed bych v\u00e1m v\u0161em r\u00e1d pod\u011bkoval za to, \u017ee jsem ji\u017e pot\u0159et\u00ed za sebou mohl p\u0159evz\u00edt ocen\u011bn\u00ed za svou pr\u00e1ci. T\u0159i prvn\u00ed m\u00edsta ve t\u0159ech ro\u010dn\u00edc\u00edch sout\u011b\u017ee o TOP PORADCE OK KLIENT, jsou nejen potvrzen\u00edm m\u00e9ho \u00fasil\u00ed, ale p\u0159edev\u0161\u00edm sv\u011bdectv\u00edm o d\u016fv\u011b\u0159e, kterou ve mn\u011b a v mou pr\u00e1ci […]<\/p>\n","protected":false},"author":3,"featured_media":932,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[12],"tags":[],"class_list":["post-931","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-obecne"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/posts\/931","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/comments?post=931"}],"version-history":[{"count":21,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/posts\/931\/revisions"}],"predecessor-version":[{"id":954,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/posts\/931\/revisions\/954"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/media\/932"}],"wp:attachment":[{"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/media?parent=931"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/categories?post=931"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/tags?post=931"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}},{"id":872,"date":"2023-11-24T15:44:11","date_gmt":"2023-11-24T14:44:11","guid":{"rendered":"http:\/\/michaldolezel.cz\/?p=872"},"modified":"2023-11-24T15:53:30","modified_gmt":"2023-11-24T14:53:30","slug":"dip-sporeni-investice-2024","status":"publish","type":"post","link":"https:\/\/www.michaldolezel.cz\/dip-sporeni-investice-2024\/","title":{"rendered":"Dlouhodob\u00fd investi\u010dn\u00ed produkt (DIP) a novinky v oblasti spo\u0159en\u00ed a investic pro rok 2024"},"content":{"rendered":"

\u201eKdy – kdy\u017e ne te\u010f? Kdo – kdy\u017e ne my?\u201c \ud83e\udd14<\/h2>\n

 <\/p>\n

Toto zn\u00e1m\u00e9 heslo je spojeno s jin\u00fdmi listopadov\u00fdmi ud\u00e1lostmi ne\u017e s investicemi, j\u00e1 v\u00edm. Ov\u0161em s listopadem to m\u00e1 n\u011bco spole\u010dn\u00e9ho!<\/h4>\n

Tento p\u0159\u00edsp\u011bvek, p\u00ed\u0161i v listopadu stejn\u011b tak, jako byl poslanci schv\u00e1len ve 3. \u010dten\u00ed n\u00e1vrh z\u00e1kona, kter\u00fdm se m\u011bn\u00ed n\u011bkter\u00e9 z\u00e1kony v souvislosti s rozvojem finan\u010dn\u00edho trhu a s podporou zaji\u0161t\u011bn\u00ed na st\u00e1\u0159\u00ed.<\/p>\n

Asi se shodneme, \u017ee nelze spol\u00e9hat jen na d\u016fchodov\u00fd syst\u00e9m a je t\u0159eba vz\u00edt situaci do vlastn\u00edch rukou (Kdo – kdy\u017e ne my?), d\u00e1le je t\u0159eba uv\u00e1\u017eliv\u011b investovat a je moudr\u00e9 za\u010d\u00edt co nejd\u0159\u00edve, a\u0165 se maxim\u00e1ln\u011b vyu\u017eije s\u00edla slo\u017een\u00e9ho \u00faro\u010den\u00ed – klidn\u011b v nov\u00e9m investi\u010dn\u00edm produktu, tzv. DIP (Kdy – kdy\u017e ne te\u010f?)!<\/p>\n

 <\/p>\n

Chci v\u00e1s touto cestou informovat, \u017ee od 1.1.2024 se v \u010cR v\u00fdrazn\u011b zatraktivn\u00ed oblast spo\u0159en\u00ed a investov\u00e1n\u00ed. Po vzoru EU vznikne v \u010cR tzv. \u201eDlouhodob\u00fd investi\u010dn\u00ed produkt<\/strong>\u201c (d\u00e1le t\u00e9\u017e DIP<\/strong>). Jak\u00e9 v\u00fdhody to pro v\u00e1s bude m\u00edt?<\/h3>\n

 <\/p>\n

DIP budou nab\u00edzet investi\u010dn\u00ed spole\u010dnosti, banky, spo\u0159iteln\u00ed a \u00fav\u011brn\u00ed dru\u017estva, poji\u0161\u0165ovny, obchodn\u00edci s cenn\u00fdmi pap\u00edry nebo samospr\u00e1vn\u00e9 investi\u010dn\u00ed fondy. P\u016fjde o investice do akci\u00ed, dluhopis\u016f (pouze regulovan\u00fdch), pod\u00edlov\u00fdch fond\u016f, ale i vkladov\u00fdch \u00fa\u010dt\u016f apod. Obrovskou v\u00fdhodou DIP bude mo\u017enost si od z\u00e1kladu dan\u011b ode\u010d\u00edst a\u017e 48 000 K\u010d\/rok kumulativn\u011b, a to za v\u0161echny typy da\u0148ov\u011b podporovan\u00fdch produkt\u016f (doposud 24 000 K\u010d pro \u017eivotn\u00ed poji\u0161t\u011bn\u00ed a 24 000 K\u010d pro dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed\/penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed). To pro v\u00e1s bude znamenat dodate\u010dn\u00fd ro\u010dn\u00ed v\u00fdnos a\u017e 7.200 K\u010d<\/strong>. Toto plat\u00ed jak pro nov\u00e9, tak i st\u00e1vaj\u00edc\u00ed smlouvy.<\/p>\n

Nav\u00edc, na DIP budou moci p\u0159isp\u00edvat i zam\u011bstnavatel\u00e9, a to a\u017e do v\u00fd\u0161e 50 000 K\u010d ro\u010dn\u011b<\/strong> (kumulativn\u011b za v\u0161echny typy da\u0148ov\u011b podporovan\u00fdch produkt\u016f).<\/p>\n

Z\u00e1rove\u0148 se od stejn\u00e9ho data zv\u00fd\u0161\u00ed st\u00e1tn\u00ed p\u0159\u00edsp\u011bvky na dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed\/penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed, a to z dne\u0161n\u00edch max. 230 K\u010d m\u011bs\u00ed\u010dn\u011b na max. 340 K\u010d m\u011bs\u00ed\u010dn\u011b.<\/p>\n

Tak\u00e9 dojde k v\u00fdrazn\u00e9mu sn\u00ed\u017een\u00ed v\u00fdhod stavebn\u00edho spo\u0159en\u00ed, kdy nov\u011b bude ro\u010dn\u00ed st\u00e1tn\u00ed podpora max. 1.000 K\u010d (sn\u00ed\u017een\u00ed 50 % oproti sou\u010dasn\u00e9mu stavu, kdy max. st\u00e1tn\u00ed podpora \u010din\u00ed 2.000 K\u010d ro\u010dn\u011b).<\/p>\n

Po dlouh\u00fdch letech tedy \u010dek\u00e1 oblast spo\u0159en\u00ed\/investov\u00e1n\u00ed v\u00fdrazn\u00e9 zatraktivn\u011bn\u00ed, kter\u00e9 v\u00e1m m\u016f\u017ee p\u0159in\u00e9st dal\u0161\u00ed nadstandardn\u00ed zhodnocen\u00ed va\u0161ich \u00faspor. Nev\u00e1hejte tedy a v p\u0159edstihu m\u011b kontaktujte, abychom v\u0161e prodiskutovali a vybrali pro v\u00e1s nejvhodn\u011bj\u0161\u00ed variantu. Disponujeme dlouholet\u00fdmi znalostmi v oblasti poskytov\u00e1n\u00ed finan\u010dn\u00edch slu\u017eeb a m\u016f\u017eeme v\u00e1m tedy poskytnout kvalifikovan\u00fd n\u00e1zor ve vztahu ke zhodnocov\u00e1n\u00ed va\u0161ich \u00faspor.<\/p>\n

V\u00fd\u0161e uveden\u00e9 se d\u00e1 skv\u011bl\u00e9 vyu\u017e\u00edt i pro va\u0161e d\u011bti<\/strong>. Zejm\u00e9na pl\u00e1novan\u00e9 zhor\u0161en\u00ed podm\u00ednek stavebn\u00edho spo\u0159en\u00ed v\u00e1m otev\u00edr\u00e1 nov\u00e9 mo\u017enosti, jak sv\u00fdm d\u011btem vytvo\u0159it zaj\u00edmavou rezervu pro start do jejich \u017eivota.<\/p>\n

\"\"<\/a><\/p>\n

 <\/p>\n

 <\/p>\n

\n
\n
\n
V\u00edce informace naleznete ZDE<\/a>.<\/div>\n
<\/div>\n
Zkontaktovat m\u011b m\u016f\u017eete ZDE<\/a>!<\/div>\n<\/div>\n<\/div>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"

\u201eKdy – kdy\u017e ne te\u010f? Kdo – kdy\u017e ne my?\u201c \ud83e\udd14   Toto zn\u00e1m\u00e9 heslo je spojeno s jin\u00fdmi listopadov\u00fdmi ud\u00e1lostmi ne\u017e s investicemi, j\u00e1 v\u00edm. Ov\u0161em s listopadem to m\u00e1 n\u011bco spole\u010dn\u00e9ho! Tento p\u0159\u00edsp\u011bvek, p\u00ed\u0161i v listopadu stejn\u011b tak, jako byl poslanci schv\u00e1len ve 3. \u010dten\u00ed n\u00e1vrh z\u00e1kona, kter\u00fdm se m\u011bn\u00ed n\u011bkter\u00e9 z\u00e1kony v […]<\/p>\n","protected":false},"author":3,"featured_media":890,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[10],"tags":[23],"class_list":["post-872","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sporeni","tag-sporeni-na-stari"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/posts\/872","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/comments?post=872"}],"version-history":[{"count":21,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/posts\/872\/revisions"}],"predecessor-version":[{"id":895,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/posts\/872\/revisions\/895"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/media\/890"}],"wp:attachment":[{"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/media?parent=872"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/categories?post=872"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/tags?post=872"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}},{"id":856,"date":"2023-10-28T09:08:29","date_gmt":"2023-10-28T08:08:29","guid":{"rendered":"http:\/\/michaldolezel.cz\/?p=856"},"modified":"2023-10-28T09:08:29","modified_gmt":"2023-10-28T08:08:29","slug":"povinne-ruceni-navyseni-limitu","status":"publish","type":"post","link":"https:\/\/www.michaldolezel.cz\/povinne-ruceni-navyseni-limitu\/","title":{"rendered":"Povinn\u00e9 ru\u010den\u00ed: Informace k chystan\u00e9mu nav\u00fd\u0161en\u00ed minim\u00e1ln\u00edho limitu z 35 na 50 mil. K\u010d"},"content":{"rendered":"

\n

Klient\u016fm, kte\u0159\u00ed maj\u00ed sjednan\u00e9 povinn\u00e9 ru\u010den\u00ed s limitem 35\/35 mil. K\u010d se od data platnosti nov\u00e9ho z\u00e1kona automaticky nav\u00fd\u0161\u00ed limit na nov\u00e9 minimum tj. 50\/50 mil. K\u010d. Poji\u0161\u0165ovny budou klienty o nav\u00fd\u0161en\u00ed limitu informovat dopisem, kter\u00fd budou zas\u00edlat k v\u00fdro\u010d\u00ed sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed.<\/h3>\n

 <\/p>\n<\/div>\n

\n

Za OK KLIENT<\/a> jsme se zeptali partner\u016f, zda budou v souvislosti se zv\u00fd\u0161en\u00edm minim\u00e1ln\u00edch limit\u016f POV navy\u0161ovat platbu pojistn\u00e9ho:<\/p>\n

\n

\n<\/div>\n

\n

\u2705 Poji\u0161\u0165ovny, kter\u00e9 nebudou navy\u0161ovat pojistn\u00e9<\/strong>: Kooperativa, Generali \u010cP, \u010cPP, Pillow, Direct, Allianz<\/p>\n

\u274c Poji\u0161\u0165ovny, kter\u00e9 nejsp\u00ed\u0161e budou navy\u0161ovat pojistn\u00e9<\/strong>: \u010cSOB, PVZP, UNIQA<\/p>\n

\u2753 Poji\u0161\u0165ovny, kter\u00e9 se zat\u00edm nevyj\u00e1d\u0159ily<\/strong>: Slavia, HVP<\/p>\n

 <\/p>\n

Nutno podotknout, \u017ee m\u00fdch klient\u016f se to t\u00e9m\u011b\u0159 t\u00fdkat nebude. Tyto z\u00e1kladn\u00ed limity na POV jsem historicky t\u00e9m\u011b\u0159 nesjedn\u00e1val, dlouhodob\u011b limit pod 100\/100 mil. K\u010d nevn\u00edm\u00e1m jako dostate\u010dn\u00fd.<\/p>\n

Tento \u010dl\u00e1nek vznikl v n\u00e1vaznosti na m\u016fj p\u0159edchoz\u00ed \u010dl\u00e1nek (ZDE)<\/a>, kde jsem rozepsal pl\u00e1novan\u00e9 zm\u011bny, kter\u00e9 p\u0159in\u00e1\u0161\u00ed novela z\u00e1kona o odpov\u011bdnosti z provozu vozidla<\/p>\n<\/div>\n

 <\/p>\n

Kontaktovat m\u011b m\u016f\u017eete ZDE.<\/a><\/p>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Klient\u016fm, kte\u0159\u00ed maj\u00ed sjednan\u00e9 povinn\u00e9 ru\u010den\u00ed s limitem 35\/35 mil. K\u010d se od data platnosti nov\u00e9ho z\u00e1kona automaticky nav\u00fd\u0161\u00ed limit na nov\u00e9 minimum tj. 50\/50 mil. K\u010d. Poji\u0161\u0165ovny budou klienty o nav\u00fd\u0161en\u00ed limitu informovat dopisem, kter\u00fd budou zas\u00edlat k v\u00fdro\u010d\u00ed sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed.   Za OK KLIENT jsme se zeptali partner\u016f, zda budou v souvislosti se […]<\/p>\n","protected":false},"author":3,"featured_media":857,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[5],"tags":[],"class_list":["post-856","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni-auta"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/posts\/856","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/comments?post=856"}],"version-history":[{"count":13,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/posts\/856\/revisions"}],"predecessor-version":[{"id":870,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/posts\/856\/revisions\/870"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/media\/857"}],"wp:attachment":[{"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/media?parent=856"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/categories?post=856"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/tags?post=856"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}},{"id":836,"date":"2023-10-11T22:30:12","date_gmt":"2023-10-11T21:30:12","guid":{"rendered":"http:\/\/michaldolezel.cz\/?p=836"},"modified":"2023-10-12T20:11:36","modified_gmt":"2023-10-12T19:11:36","slug":"novela-zakona-povinne-ruceni","status":"publish","type":"post","link":"https:\/\/www.michaldolezel.cz\/novela-zakona-povinne-ruceni\/","title":{"rendered":"Zm\u011bny, kter\u00e9 p\u0159in\u00e1\u0161\u00ed novela z\u00e1kona o odpov\u011bdnosti z provozu vozidel (povinn\u00e9m ru\u010den\u00ed)"},"content":{"rendered":"

V \u00favodu je t\u0159eba zm\u00ednit, \u017ee samotn\u00e1 novela z\u00e1kona nen\u00ed v\u00fdmyslem legislativc\u016f \u010cesk\u00e9 republiky, ale jsme ke zm\u011bn\u00e1m „donuceni“ s ohledem na \u00fapravu motorov\u00e9 sm\u011brnice v r\u00e1mci Evropsk\u00e9 unie. Dle informac\u00ed Ministerstva financ\u00ed by m\u011bla b\u00fdt \u00fa\u010dinnost zm\u011bn k 1. lednu 2024, p\u0159i\u010dem\u017e zm\u011bny t\u00fdkaj\u00edc\u00ed se \u201ezelen\u00e9 karty“ k 1. \u010dervenci 2024.<\/h4>\n

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Co bude nov\u011b zahrnuto pod pojmem vozidlo<\/h3>\n

Bude se t\u00fdkat i dal\u0161\u00edch voz\u00edtek p\u0159ev\u00e1\u017en\u011b na elektrick\u00fd pohon, jako jsou elektrokolob\u011b\u017eky nebo t\u0159eba segwaye. Sta\u010d\u00ed, aby jejich maxim\u00e1ln\u00ed konstruk\u010dn\u00ed rychlost byla vy\u0161\u0161\u00ed ne\u017e 25 km\/h, p\u0159\u00edpadn\u011b vy\u0161\u0161\u00ed ne\u017e 14 km\/h, a z\u00e1rove\u0148 byla t\u011b\u017e\u0161\u00ed ne\u017e 25 kg. V\u00fdjimku budou m\u00edt nap\u0159. elektrokola, tedy ta, jejich\u017e prim\u00e1rn\u00edm zdrojem energie je \u0161lap\u00e1n\u00ed do ped\u00e1l\u016f, a ne pouze p\u0159\u00edpojn\u00fd motor.<\/p>\n

Minim\u00e1ln\u00ed limit povinn\u00e9ho ru\u010den\u00ed<\/h3>\n

P\u016fvodn\u00ed minim\u00e1ln\u00ed limity 35 mil. K\u010d na \u00fajmu na zdrav\u00ed a 35 mil. K\u010d na \u00fajmu na v\u011bci budou nahrazeny vy\u0161\u0161\u00edmi minim\u00e1ln\u00edmi limity, a to 50 mil. K\u010d na \u00fajmu na zdrav\u00ed a 50 mil. K\u010d na \u00fajmu na v\u011bci. Klient\u016fm s dosavadn\u00edmi limity 35\/35 se limity automaticky nav\u00fd\u0161\u00ed.<\/p>\n

Nov\u00e1 definice provozu vozidla<\/h3>\n

Provozem vozidla se rozum\u00ed jak\u00e9koli pou\u017eit\u00ed takov\u00e9ho vozidla v provozu, kter\u00e9 je v dob\u011b nehody v souladu s funkc\u00ed vozidla jako\u017eto dopravn\u00edho prost\u0159edku (p\u0159eprava osob a zbo\u017e\u00ed), a to bez ohledu na vlastnosti vozidla i bez ohledu na ter\u00e9n, ve kter\u00e9m je motorov\u00e9 vozidlo provozov\u00e1no, a na to, zda vozidlo stoj\u00ed, nebo je v pohybu.<\/p>\n

\u010cinnost vozidla jako stroje<\/h3>\n

V p\u0159\u00edpad\u011b, \u017ee vozidlo nepln\u00ed obvyklou funkci dopravn\u00edho prost\u0159edku a je nap\u0159. zdrojem energie pro pohon strojn\u00ed n\u00e1stavby, nejedn\u00e1 se o provoz vozidla ve smyslu tohoto z\u00e1kona.<\/p>\n

\u0160koda zp\u016fsoben\u00e1 j\u00edzdn\u00ed soupravou<\/h3>\n

Jestli\u017ee je \u0161koda zp\u016fsobena j\u00edzdn\u00ed soupravou tvo\u0159enou ta\u017en\u00fdm a p\u0159\u00edpojn\u00fdm vozidlem, kdy nelze identifikovat ta\u017en\u00e9 vozidlo \u010di jeho \u0159idi\u010de a byla-li sou\u010dasn\u011b vylou\u010dena samostatn\u00e1 odpov\u011bdnost t\u0159et\u00ed strany, poskytne po\u0161kozen\u00e9 stran\u011b n\u00e1hradu \u0161kody poji\u0161\u0165ovna, kter\u00e1 pojistila p\u0159\u00edv\u011bs. Nov\u00e1 pr\u00e1vn\u00ed \u00faprava m\u00e1 tak umo\u017enit p\u0159\u00edm\u00fd n\u00e1rok po\u0161kozen\u00e9ho po pojistiteli n\u00e1v\u011bsu, s n\u00e1sledn\u00fdm pr\u00e1vem regresu. Pokud by \u0161lo o rozd\u00edln\u00e9ho pojistitele ta\u017en\u00e9ho a ta\u017een\u00e9ho vozidla, pojistitel\u00e9 by se pak mezi sebou vypo\u0159\u00e1dali s ohledem na okolnosti vzniku \u0161kody.<\/p>\n

Pln\u00e1 digitalizace proces\u016f a evidence poji\u0161t\u011bn\u00ed<\/h3>\n

Pojistitel\u00e9 budou povinni prov\u00e1d\u011bt evidenci poji\u0161t\u011bn\u00ed odpov\u011bdnosti, zejm\u00e9na rychlou v\u00fdm\u011bnu informac\u00ed o vzniku a z\u00e1niku poji\u0161t\u011bn\u00ed sm\u011brem na \u010ceskou kancel\u00e1\u0159 pojistitel\u016f a kontroln\u00ed org\u00e1ny, a to jak na n\u00e1rodn\u00ed \u00farovni, tak i mezi \u010dlensk\u00fdmi st\u00e1ty. Poji\u0161\u0165ovny se tak budou muset p\u0159izp\u016fsobit t\u00e9to form\u011b on-line v\u00fdm\u011bny. Evropsk\u00fd parlament proto navrhuje dopin\u011bn\u00ed \u010dl\u00e1nku 4, kter\u00fdm se m\u00e1 zp\u0159esnit v\u00fdm\u011bna dat mezi \u010dlensk\u00fdmi st\u00e1ty s vyu\u017eit\u00edm st\u00e1vaj\u00edc\u00edho syst\u00e9mu EUCARIS (Evropsk\u00fd informa\u010dn\u00ed syst\u00e9m vozidel a \u0159idi\u010dsk\u00fdch opr\u00e1vn\u011bn\u00ed), kde by se nediskrimina\u010dn\u00edm zp\u016fsobem v r\u00e1mci EU vym\u011b\u0148ovala data o kontrolovan\u00e9m vozidle, jeho vlastn\u00edkovi, provozovateli a o tom, zda vozidlo spad\u00e1 pod povinnost m\u00edt uzav\u0159en\u00e9 poji\u0161t\u011bn\u00ed odpov\u011bdnosti z provozu vozidla.<\/p>\n

Kontrola poji\u0161t\u011bn\u00ed povinn\u00e9ho ru\u010den\u00ed<\/h3>\n

Novela motorov\u00e9 sm\u011brnice m\u00e1 umo\u017enit takov\u00fd typ kontroly, kter\u00e1 nebude diskrimina\u010dn\u00ed a nebude vy\u017eadovat zastaven\u00ed vozidla. \u0158e\u0161en\u00ed spo\u010d\u00edv\u00e1 v u\u017eit\u00ed pokro\u010dil\u00fdch technologi\u00ed umo\u017e\u0148uj\u00edc\u00edch automatick\u00e9 rozpozn\u00e1n\u00ed pozn\u00e1vac\u00edch zna\u010dek, co\u017e p\u0159edstavuje diskr\u00e9tn\u00ed kontroly poji\u0161t\u011bn\u00ed vozidel, ani\u017e by bylo t\u0159eba je zastavovat, tedy bez zasahov\u00e1n\u00ed do voln\u00e9ho pohybu vozidel (a nep\u0159\u00edmo voln\u00e9ho pohybu osob) v r\u00e1mci vnit\u0159n\u00edho trhu.<\/p>\n

Lze pojistit i ciz\u00ed pojistn\u00e9 nebezpe\u010d\u00ed, ale m\u00e1 to sv\u00e1 omezen\u00ed<\/h3>\n

Poji\u0161t\u011bn\u00ed odpov\u011bdnosti provozovatele vozidla lze sjednat formou ciz\u00edho pojistn\u00e9ho nebezpe\u010d\u00ed (ciz\u00edho pojistn\u00e9ho z\u00e1jmu). Pr\u00e1vn\u00ed \u00faprava tak nebr\u00e1n\u00ed uzav\u0159en\u00ed pojistn\u00e9 smlouvy o poji\u0161t\u011bn\u00ed odpov\u011bdnosti nap\u0159. vlastn\u00edku vozidla, kter\u00fd je osobou odli\u0161nou od jeho provozovatele, kde je pojistn\u00fd z\u00e1jem vlastn\u00edka, kter\u00fd rozhoduje o tom, zda si pr\u00e1vn\u00ed i faktickou mo\u017enost nakl\u00e1dat s vozidlem ponech\u00e1 neboli p\u0159enese na jinou osobu. Vylou\u010dit je v\u0161ak t\u0159eba mo\u017enost sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed odpov\u011bdnosti formou tzv. otev\u0159en\u00fdch flotil, kdy se pojistn\u00edk stav\u00ed sp\u00ed\u0161e do role zprost\u0159edkovatele poji\u0161t\u011bn\u00ed a kde je zpochybn\u011bn pojistn\u00fd z\u00e1jem pojistn\u00edka na pojistn\u00e9m kryt\u00ed poji\u0161t\u011bn\u00e9ho.<\/p>\n

Pojistn\u00fd z\u00e1jem<\/h3>\n

Pojistn\u00fd z\u00e1jem je opr\u00e1vn\u011bn\u00e1 pot\u0159eba ochrany p\u0159ed n\u00e1sledky pojistn\u00e9 ud\u00e1losti. Nem\u011bl-li z\u00e1jemce pojistn\u00fd z\u00e1jem a pojistitel o tom p\u0159i uzav\u0159en\u00ed smlouvy v\u011bd\u011bl nebo musel v\u011bd\u011bt, je smlouva neplatn\u00e1. Pojistn\u00edk m\u00e1 pojistn\u00fd z\u00e1jem na vlastn\u00edm majetku. M\u00e1 se za to, \u017ee pojistn\u00edk m\u00e1 pojistn\u00fd z\u00e1jem i na majetku jin\u00e9 osoby, dosv\u011bd\u010d\u00ed-li, \u017ee by mu bez jeho existence a uchov\u00e1n\u00ed hrozila p\u0159\u00edm\u00e1 majetkov\u00e1 ztr\u00e1ta.<\/p>\n

Za poji\u0161t\u011bn\u00ed nov\u011b odpov\u00edd\u00e1 provozovatel vozidla, nikoliv vlastn\u00edk<\/h3>\n

Pojem \u201eprovozovatel vozidla“, na jedn\u00e9 stran\u011b existuj\u00ed definice, kter\u00e9 vlastnost provozovatele vozidla konstitutivn\u011b spojuj\u00ed se stavem zapsan\u00fdm v registru silni\u010dn\u00edch vozidel. Na druh\u00e9 stran\u011b existuj\u00ed definice, kter\u00e9 za rozhoduj\u00edc\u00ed pro ur\u010den\u00ed provozovatele vozidla pova\u017euj\u00ed skute\u010dn\u00fd pr\u00e1vn\u00ed nebo faktick\u00fd stav (tedy kdo rozhoduje o tom kdy, kde a za jak\u00fdch podm\u00ednek bude vozidlo provozov\u00e1no). Ust\u00e1len\u00e1 soudn\u00ed praxe i odborn\u00e1 literatura se shoduj\u00ed v z\u00e1v\u011bru, \u017ee provozovatelem vozidla je ten, \u201ekdo m\u00e1 pr\u00e1vn\u00ed a faktickou mo\u017enost dispozice s dopravn\u00edm prost\u0159edkem“, tedy nen\u00ed podm\u00ednkou z\u00e1pis provozovatele do registru. Provozovatelem vozidla tak je zpravidla jeho vlastn\u00edk, ale m\u016f\u017ee j\u00edm b\u00fdt i osoba od vlastn\u00edka odli\u0161n\u00e1, kterou k provozov\u00e1n\u00ed vozidla oprav\u0148uje dohoda mezi n\u00ed a vlastn\u00edkem. V takov\u00e9m p\u0159\u00edpad\u011b je pro ur\u010den\u00ed provozovatele vozidla rozhoduj\u00edc\u00ed obsah t\u00e9to dohody, resp. rozsah pr\u00e1v a povinnost\u00ed, kter\u00e9 vlastn\u00edk dohodou na tuto osobu p\u0159enesl. D\u00e1le panuje shoda, \u017ee pro postaven\u00ed provozovatele vozidla je charakteristick\u00e1 ur\u010dit\u00e1 dlouhodobost, tedy je-li vozidlo kr\u00e1tkodob\u011b pronajato nebo p\u016fj\u010deno, n\u00e1jemce nebo vyp\u016fj\u010ditel se provozovatelem vozidla nest\u00e1v\u00e1. Aby v praxi nedoch\u00e1zelo k nejistot\u011b v osob\u011b provozovatele, vy\u017eaduje se, aby byl ten, kdo m\u00e1 b\u00fdt provozovatelem vozidla, vlastn\u00edkem na z\u00e1klad\u011b p\u00edsemn\u00e9 dohody pov\u011b\u0159en, co\u017e vy\u017eaduje p\u00edsemn\u00fd souhlas, v opa\u010dn\u00e9m p\u0159\u00edpad\u011b bude pinit povinnost sjednat poji\u0161t\u011bn\u00ed odpov\u011bdnosti vlastn\u00edk vozidla. Nelze-li provozovatele vozidla ur\u010dit, m\u00e1 se za to, \u017ee j\u00edm je vlastn\u00edk dopravn\u00edho prost\u0159edku.<\/p>\n

\n

OK HOLDING<\/a> BULLETIN 4\/2023<\/i> [online]. 2023 [cit. 2023-10-11].<\/p>\n<\/blockquote>\n

Kontaktovat m\u011b m\u016f\u017eete ZDE<\/strong><\/a><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

V \u00favodu je t\u0159eba zm\u00ednit, \u017ee samotn\u00e1 novela z\u00e1kona nen\u00ed v\u00fdmyslem legislativc\u016f \u010cesk\u00e9 republiky, ale jsme ke zm\u011bn\u00e1m „donuceni“ s ohledem na \u00fapravu motorov\u00e9 sm\u011brnice v r\u00e1mci Evropsk\u00e9 unie. Dle informac\u00ed Ministerstva financ\u00ed by m\u011bla b\u00fdt \u00fa\u010dinnost zm\u011bn k 1. lednu 2024, p\u0159i\u010dem\u017e zm\u011bny t\u00fdkaj\u00edc\u00ed se \u201ezelen\u00e9 karty“ k 1. \u010dervenci 2024.   Co bude […]<\/p>\n","protected":false},"author":3,"featured_media":854,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[5],"tags":[],"class_list":["post-836","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni-auta"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/posts\/836","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/comments?post=836"}],"version-history":[{"count":13,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/posts\/836\/revisions"}],"predecessor-version":[{"id":851,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/posts\/836\/revisions\/851"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/media\/854"}],"wp:attachment":[{"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/media?parent=836"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/categories?post=836"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.michaldolezel.cz\/wp-json\/wp\/v2\/tags?post=836"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}},{"id":810,"date":"2023-05-31T10:58:22","date_gmt":"2023-05-31T09:58:22","guid":{"rendered":"http:\/\/michaldolezel.cz\/?p=810"},"modified":"2023-05-31T12:08:59","modified_gmt":"2023-05-31T11:08:59","slug":"koopilot-sleva-na-pojistnem","status":"publish","type":"post","link":"https:\/\/www.michaldolezel.cz\/koopilot-sleva-na-pojistnem\/","title":{"rendered":"Aplikace KOOPILOT – a\u017e 40% sleva na pojistn\u00e9m u poji\u0161\u0165ovny Kooperativa za bezpe\u010dnou j\u00edzdu!"},"content":{"rendered":"

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„Kaz\u030cdy\u0301, kdo jezdi\u0301 bezpec\u030cne\u030c, si zaslouz\u030ci\u0301 odme\u030cnu“ – sleva na pojistn\u00e9m u poji\u0161\u0165ovny Kooperativa!<\/strong><\/h3>\n

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Na silnic\u00edch se pohybuje mnoho pir\u00e1t\u016f a agresor\u016f, kte\u0159\u00ed sv\u00fdm stylem j\u00edzdy ohro\u017euj\u00ed nejen sebe, ale i ostatn\u00ed \u00fa\u010dastn\u00edky silni\u010dn\u00edho provozu. Na\u0161t\u011bst\u00ed se na silnici setk\u00e1v\u00e1me nej\u010dast\u011bji se spo\u0159\u00e1dan\u00fdmi \u0159idi\u010di, kte\u0159\u00ed p\u0159edv\u00eddaj\u00ed a \u00a0jejich defenzivn\u00ed a opatrn\u00fd styl j\u00edzdy je z\u00e1klad pro bezpe\u010dn\u00fd a plynul\u00fd provoz na pozemn\u00edch komunikac\u00edch. A tito \u0159idi\u010di se nejen podle poji\u0161\u0165ovny Kooperativa zaslou\u017e\u00ed v\u00edce uzn\u00e1n\u00ed!<\/h4>\n

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O co se jedn\u00e1?<\/strong><\/h5>\n

Jde o novou variantu Autopoji\u0161t\u011bn\u00ed NAM\u00cdRU, kter\u00e1 v\u00e1s odm\u011bn\u00ed za bezpe\u010dnou j\u00edzdu. K tomu pot\u0159ebujete jen mobiln\u00ed aplikaci KOOPILOT. Aplikace zaznamen\u00e1v\u00e1 a vyhodnocuje ka\u017edou j\u00edzdu. Podle toho, jak \u0159\u00edd\u00edte, vypo\u010d\u00edt\u00e1 se z ka\u017ed\u00e9 j\u00edzdy sk\u00f3re \u0159idi\u010de. Ka\u017ed\u00e9 3 m\u011bs\u00edce pak ze v\u0161ech j\u00edzd spo\u010d\u00edt\u00e1 v\u00fdsledn\u00e9 sk\u00f3re a cashback.<\/p>\n

Co je sk\u00f3re \u0159idi\u010de?<\/strong><\/h5>\n

Poka\u017ed\u00e9, kdy\u017e se do aplikace dostanou data o Va\u0161\u00ed j\u00edzd\u011b, vyhodnot\u00ed Va\u0161e \u0159idi\u010dsk\u00e9 chov\u00e1n\u00ed a j\u00edzda se V\u00e1m v appce zobraz\u00ed v\u010detn\u011b dosa\u017een\u00e9ho sk\u00f3re. Krom\u011b n\u011bj tam najdete i podsk\u00f3re za: rychlost, zrychlov\u00e1n\u00ed, brzd\u011bn\u00ed, zat\u00e1\u010den\u00ed, mobil, tedy konkr\u00e9tn\u011b (ne)vyu\u017e\u00edv\u00e1n\u00ed telefonu b\u011bhem j\u00edzdy.<\/p>\n

Co je cashback?<\/strong><\/h5>\n

Jedn\u00e1 se o pen\u00edze, kter\u00e9 od Kooperativy m\u016f\u017eete z\u00edskat zp\u011bt na v\u00e1\u0161 bankovn\u00ed \u00fa\u010det. Cashback p\u0159id\u011bluje Kooperativa v z\u00e1vislosti na v\u011bku \u0159idi\u010de a typu vozidla. Nejvy\u0161\u0161\u00ed je a\u017e 40 % z celkov\u00e9ho ro\u010dn\u00edho pojistn\u00e9ho po slev\u00e1ch. Na ten si u Kooperativy mohou s\u00e1hnout hlavn\u011b mlad\u00ed klienti.<\/p>\n

Jak aplikace funguje a co dal\u0161\u00edho um\u00ed?<\/strong><\/h5>\n

Aplikace m\u00e1 spoustu hlavn\u00edch a\u00a0podp\u016frn\u00fdch funkc\u00ed.\u00a0Mezi ty hlavn\u00ed pat\u0159\u00ed:<\/p>\n