{"id":5870,"date":"2026-11-02T07:08:58","date_gmt":"2026-11-02T06:08:58","guid":{"rendered":"https:\/\/polisarium.pl\/?p=5870"},"modified":"2026-11-02T07:08:58","modified_gmt":"2026-11-02T06:08:58","slug":"giay-chung-nhan-kiem-dinh-oce-co-duoc-chuyen-sang-chu-so-huu-moi-cua-chiec-xe-khong","status":"publish","type":"post","link":"https:\/\/polisarium.pl\/vi\/poradnik\/ubezpieczenie-oc\/czy-oc-przechodzi-na-nowego-wlasciciela-samochodu\/","title":{"rendered":"B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u00f3 \u0111\u01b0\u1ee3c chuy\u1ec3n sang ch\u1ee7 s\u1edf h\u1eefu m\u1edbi c\u1ee7a chi\u1ebfc xe kh\u00f4ng?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Vi\u1ec7c mua m\u1ed9t chi\u1ebfc xe \u0111\u00e3 qua s\u1eed d\u1ee5ng kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 hi\u1ec7n t\u1ea1i s\u1ebd h\u1ebft hi\u1ec7u l\u1ef1c ngay khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng. N\u1ebfu chi\u1ebfc xe \u0111\u00f3 c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c c\u00f2n hi\u1ec7u l\u1ef1c, th\u00ec quy\u1ec1n l\u1ee3i s\u1ebd \u0111\u01b0\u1ee3c chuy\u1ec3n giao cho ng\u01b0\u1eddi mua <strong>c\u00e1c quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 theo h\u1ee3p \u0111\u1ed3ng n\u00e0y<\/strong>. Ch\u1ee7 s\u1edf h\u1eefu m\u1edbi c\u00f3 th\u1ec3 ti\u1ebfp t\u1ee5c h\u01b0\u1edfng quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m cho \u0111\u1ebfn h\u1ebft th\u1eddi h\u1ea1n ghi trong h\u1ee3p \u0111\u1ed3ng ho\u1eb7c ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 chuy\u1ec3n nh\u01b0\u1ee3ng. Tuy nhi\u00ean, ng\u01b0\u1eddi n\u00e0y c\u1ea7n l\u01b0u \u00fd r\u1eb1ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0y s\u1ebd kh\u00f4ng t\u1ef1 \u0111\u1ed9ng gia h\u1ea1n sang n\u0103m ti\u1ebfp theo. Tr\u00ean th\u1ef1c t\u1ebf, c\u00f3 ba \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t: x\u00e1c nh\u1eadn hi\u1ec7u l\u1ef1c c\u1ee7a b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1, n\u1eafm r\u00f5 ng\u00e0y k\u1ebft th\u00fac th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m v\u00e0 ki\u1ec3m tra xem c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 t\u00ednh l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m sau khi thay \u0111\u1ed5i ch\u1ee7 s\u1edf h\u1eefu hay kh\u00f4ng.<\/p>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"wp-block-paragraph\">M\u1ee5c l\u1ee5c<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#czy-oc-przechodzi-na-kupujacego\">B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u00f3 \u0111\u01b0\u1ee3c chuy\u1ec3n sang ng\u01b0\u1eddi mua kh\u00f4ng?<\/a><\/li>\n\n\n\n<li><a href=\"#co-dokladnie-przejmuje-nowy-wlasciciel\">Ch\u00ednh x\u00e1c th\u00ec ch\u1ee7 s\u1edf h\u1eefu m\u1edbi s\u1ebd ti\u1ebfp qu\u1ea3n nh\u1eefng g\u00ec?<\/a><\/li>\n\n\n\n<li><a href=\"#co-zrobic-po-zakupie-samochodu\">Sau khi mua xe th\u00ec n\u00ean l\u00e0m g\u00ec?<\/a><\/li>\n\n\n\n<li><a href=\"#jakie-obowiazki-ma-sprzedajacy\">Ng\u01b0\u1eddi b\u00e1n c\u00f3 nh\u1eefng ngh\u0129a v\u1ee5 g\u00ec?<\/a><\/li>\n\n\n\n<li><a href=\"#rekalkulacja-skladki-i-koniec-ochrony\">T\u00ednh l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 th\u1eddi \u0111i\u1ec3m ch\u1ea5m d\u1ee9t b\u1ea3o hi\u1ec3m<\/a><\/li>\n\n\n\n<li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/a><\/li>\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"czy-oc-przechodzi-na-kupujacego\">B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u00f3 \u0111\u01b0\u1ee3c chuy\u1ec3n sang ng\u01b0\u1eddi mua kh\u00f4ng?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00fang v\u1eady \u2014 n\u1ebfu chi\u1ebfc xe \u0111\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m <strong>h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c<\/strong>, vi\u1ec7c thay \u0111\u1ed5i ch\u1ee7 s\u1edf h\u1eefu d\u1eabn \u0111\u1ebfn vi\u1ec7c chuy\u1ec3n giao c\u00e1c quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 theo h\u1ee3p \u0111\u1ed3ng n\u00e0y cho ng\u01b0\u1eddi mua. \u1ee6y ban Gi\u00e1m s\u00e1t T\u00e0i ch\u00ednh ch\u1ec9 r\u00f5 r\u1eb1ng nguy\u00ean t\u1eafc n\u00e0y \u00e1p d\u1ee5ng cho c\u00e1c tr\u01b0\u1eddng h\u1ee3p chuy\u1ec3n nh\u01b0\u1ee3ng ho\u1eb7c chuy\u1ec3n giao quy\u1ec1n s\u1edf h\u1eefu ph\u01b0\u01a1ng ti\u1ec7n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, b\u1ea5t k\u1ec3 ai l\u00e0 ng\u01b0\u1eddi ban \u0111\u1ea7u k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do \u0111\u00f3, kh\u00f4ng n\u00ean cho r\u1eb1ng b\u1ea3o hi\u1ec3m s\u1ebd t\u1ef1 \u0111\u1ed9ng ch\u1ea5m d\u1ee9t ngay khi xe \u0111\u01b0\u1ee3c b\u00e1n. Tuy nhi\u00ean, ng\u01b0\u1eddi mua n\u00ean x\u00e1c \u0111\u1ecbnh r\u00f5 <strong>ng\u00e0y h\u1ebft h\u1ea1n b\u1ea3o h\u1ed9 ch\u00ednh x\u00e1c<\/strong>, thay v\u00ec ch\u1ec9 d\u1ef1a v\u00e0o cam k\u1ebft c\u1ee7a ng\u01b0\u1eddi b\u00e1n. Ng\u00e0y ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 th\u1eddi h\u1ea1n th\u1ef1c t\u1ebf, tr\u01b0\u1edbc th\u1eddi h\u1ea1n \u0111\u00f3, qu\u00fd v\u1ecb c\u1ea7n quy\u1ebft \u0111\u1ecbnh xem c\u00f3 ti\u1ebfp t\u1ee5c s\u1eed d\u1ee5ng h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 chuy\u1ec3n nh\u01b0\u1ee3ng \u0111\u1ebfn h\u1ebft th\u1eddi h\u1ea1n hay ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng v\u00e0 t\u00ecm h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m kh\u00e1c cho ph\u01b0\u01a1ng ti\u1ec7n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec3m l\u01b0u \u00fd quan tr\u1ecdng nh\u1ea5t l\u00e0: b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 \u0111\u01b0\u1ee3c chuy\u1ec3n nh\u01b0\u1ee3ng <strong>kh\u00f4ng t\u1ef1 \u0111\u1ed9ng gia h\u1ea1n<\/strong> cho giai \u0111o\u1ea1n 12 th\u00e1ng ti\u1ebfp theo. Do \u0111\u00f3, vi\u1ec7c kh\u00f4ng th\u00f4ng b\u00e1o ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 sau ng\u00e0y h\u1ebft h\u1ea1n, h\u1ee3p \u0111\u1ed3ng m\u1edbi s\u1ebd t\u1ef1 \u0111\u1ed9ng \u0111\u01b0\u1ee3c gia h\u1ea1n. \u0110\u00e2y l\u00e0 m\u1ed9t r\u1ee7i ro th\u01b0\u1eddng g\u1eb7p khi mua xe \u2014 ng\u01b0\u1eddi l\u00e1i xe c\u00f3 th\u1ec3 ti\u1ebfp t\u1ee5c s\u1eed d\u1ee5ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 chuy\u1ec3n nh\u01b0\u1ee3ng trong nhi\u1ec1u tu\u1ea7n, r\u1ed3i sau \u0111\u00f3 l\u1ea1i b\u1ecf s\u00f3t th\u1eddi \u0111i\u1ec3m h\u1ee3p \u0111\u1ed3ng h\u1ebft h\u1ea1n.<\/p>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>L\u01b0u \u00fd:<\/strong> C\u00e2u tr\u1ea3 l\u1eddi li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c d\u00e0nh cho ch\u1ee7 s\u1edf h\u1eefu ph\u01b0\u01a1ng ti\u1ec7n c\u01a1 gi\u1edbi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean \u00e1p d\u1ee5ng c\u00e1c quy \u0111\u1ecbnh n\u00e0y cho b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 (AC), b\u1ea3o hi\u1ec3m h\u1ed7 tr\u1ee3 (assistance) hay c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n kh\u00e1c m\u00e0 kh\u00f4ng ki\u1ec3m tra k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-dokladnie-przejmuje-nowy-wlasciciel\">Ch\u00ednh x\u00e1c th\u00ec ch\u1ee7 s\u1edf h\u1eefu m\u1edbi s\u1ebd ti\u1ebfp qu\u1ea3n nh\u1eefng g\u00ec?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ng\u01b0\u1eddi mua kh\u00f4ng ch\u1ec9 \u0111\u01b0\u1ee3c h\u01b0\u1edfng quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m m\u00e0 c\u00f2n ph\u1ea3i ch\u1ecbu c\u00e1c ngh\u0129a v\u1ee5 ph\u00e1t sinh t\u1eeb h\u1ee3p \u0111\u1ed3ng hi\u1ec7n c\u00f3. Do \u0111\u00f3, b\u1ea1n n\u00ean \u0111\u1ecdc k\u1ef9 t\u00e0i li\u1ec7u b\u1ea3o hi\u1ec3m, ki\u1ec3m tra th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m v\u00e0 li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 c\u1eadp nh\u1eadt th\u00f4ng tin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u1ee7 s\u1edf h\u1eefu m\u1edbi c\u00f3 hai l\u1ef1a ch\u1ecdn c\u01a1 b\u1ea3n:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>gi\u1eef l\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 \u0111\u00e3 chuy\u1ec3n nh\u01b0\u1ee3ng v\u00e0 ti\u1ebfp t\u1ee5c s\u1eed d\u1ee5ng n\u00f3 cho \u0111\u1ebfn khi h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m;<\/li>\n\n\n\n<li>h\u1ee7y h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd v\u00e0 k\u00fd k\u1ebft m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00e1c, nh\u1eb1m \u0111\u1ea3m b\u1ea3o xe lu\u00f4n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m li\u00ean t\u1ee5c.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu ng\u01b0\u1eddi mua gi\u1eef l\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, <strong>c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u00ednh l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m<\/strong> k\u1ec3 t\u1eeb ng\u00e0y chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1edf h\u1eefu. Vi\u1ec7c t\u00ednh to\u00e1n s\u1ebd d\u1ef1a tr\u00ean th\u00f4ng tin c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu m\u1edbi theo bi\u1ec3u gi\u00e1 hi\u1ec7n h\u00e0nh. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n t\u00e0i ch\u00ednh \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn cho ng\u01b0\u1eddi b\u00e1n kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i gi\u1eef nguy\u00ean sau khi xe \u0111\u01b0\u1ee3c mua l\u1ea1i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Marta mua m\u1ed9t chi\u1ebfc xe c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC) c\u00f2n hi\u1ec7u l\u1ef1c trong v\u00e0i th\u00e1ng n\u1eefa. C\u00f4 c\u00f3 th\u1ec3 ti\u1ebfp t\u1ee5c s\u1eed d\u1ee5ng h\u1ee3p \u0111\u1ed3ng n\u00e0y cho \u0111\u1ebfn h\u1ebft th\u1eddi h\u1ea1n quy \u0111\u1ecbnh. Tuy nhi\u00ean, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u00ednh l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m sau khi thay \u0111\u1ed5i ch\u1ee7 s\u1edf h\u1eefu, v\u00e0 ch\u00ednh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0y s\u1ebd kh\u00f4ng t\u1ef1 \u0111\u1ed9ng \u0111\u01b0\u1ee3c gia h\u1ea1n. Marta ghi l\u1ea1i ng\u00e0y h\u1ebft h\u1ea1n c\u1ee7a h\u1ee3p \u0111\u1ed3ng v\u00e0 quy\u1ebft \u0111\u1ecbnh tr\u01b0\u1edbc v\u1ec1 vi\u1ec7c ti\u1ebfp t\u1ee5c b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu ng\u01b0\u1eddi mua \u0111ang c\u00e2n nh\u1eafc vi\u1ec7c ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng, <strong>kh\u00f4ng n\u00ean g\u00e2y ra kho\u1ea3ng tr\u1ed1ng trong b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1<\/strong>. Ng\u01b0\u1eddi \u0111\u00f3 c\u00f3 quy\u1ec1n ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 ti\u1ebfp nh\u1eadn, nh\u01b0ng tr\u01b0\u1edbc khi n\u1ed9p v\u0103n b\u1ea3n, c\u1ea7n th\u1ecfa thu\u1eadn v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1ec1 ng\u00e0y k\u1ebft th\u00fac th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1ch th\u1ee9c th\u1ef1c hi\u1ec7n th\u1ee7 t\u1ee5c n\u00e0y. \u0110i\u1ec1u n\u00e0y gi\u00fap l\u00ean k\u1ebf ho\u1ea1ch h\u1ee3p l\u00fd cho h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ti\u1ebfp theo v\u00e0 l\u01b0u gi\u1eef c\u00e1c gi\u1ea5y x\u00e1c nh\u1eadn.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-zrobic-po-zakupie-samochodu\">Sau khi mua xe th\u00ec n\u00ean l\u00e0m g\u00ec?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t tr\u00ecnh t\u1ef1 th\u1ef1c hi\u1ec7n h\u1ee3p l\u00fd s\u1ebd gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro x\u1ea3y ra hi\u1ec3u l\u1ea7m. H\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng <strong>ki\u1ec3m tra gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1<\/strong> nh\u1eadn \u0111\u01b0\u1ee3c t\u1eeb ng\u01b0\u1eddi b\u00e1n. H\u00e3y ki\u1ec3m tra th\u00f4ng tin xe, t\u00ean c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c c\u1ee7a h\u1ee3p \u0111\u1ed3ng. Sau \u0111\u00f3, h\u00e3y li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 th\u00f4ng b\u00e1o v\u1ec1 vi\u1ec7c thay \u0111\u1ed5i ch\u1ee7 s\u1edf h\u1eefu theo quy tr\u00ecnh c\u1ee7a h\u1ecd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Danh s\u00e1ch h\u1eefu \u00edch d\u00e0nh cho ng\u01b0\u1eddi mua:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsoc-buyer-checklist:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsoc-buyer-checklist ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsoc-buyer-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsoc-buyer-checklist .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsoc-buyer-checklist ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsoc-buyer-checklist ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsoc-buyer-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsoc-buyer-checklist .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsoc-buyer-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsoc-buyer-checklist .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items-oc-buyer-checklist kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-oc-check-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-oc-check-1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-oc-check-1 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">H\u00e3y y\u00eau c\u1ea7u ng\u01b0\u1eddi b\u00e1n cung c\u1ea5p gi\u1ea5y t\u1edd x\u00e1c nh\u1eadn vi\u1ec7c \u0111\u00e3 mua b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-oc-check-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-oc-check-2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-oc-check-2 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">H\u00e3y \u0111\u1ed1i chi\u1ebfu th\u00f4ng tin xe v\u1edbi gi\u1ea5y t\u1edd b\u1ea3o hi\u1ec3m.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-oc-check-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-oc-check-3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-oc-check-3 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">X\u00e1c \u0111\u1ecbnh ng\u00e0y k\u1ebft th\u00fac th\u1eddi h\u1ea1n b\u1ea3o h\u1ed9 hi\u1ec7n t\u1ea1i.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-oc-check-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-oc-check-4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-oc-check-4 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">H\u00e3y li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 c\u1eadp nh\u1eadt th\u00f4ng tin v\u00e0 t\u00ednh l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m (n\u1ebfu c\u00f3).<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-oc-check-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-oc-check-5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-oc-check-5 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">H\u00e3y quy\u1ebft \u0111\u1ecbnh xem b\u1ea1n s\u1ebd ti\u1ebfp t\u1ee5c s\u1eed d\u1ee5ng h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 ti\u1ebfp nh\u1eadn cho \u0111\u1ebfn khi h\u1ebft h\u1ea1n hay s\u1ebd ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng \u0111\u00f3.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-oc-check-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-oc-check-6 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-oc-check-6 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>L\u01b0u gi\u1eef c\u00e1c bi\u00ean nh\u1eadn trao \u0111\u1ed5i th\u01b0 t\u1eeb<\/strong> v\u00e0 c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn vi\u1ec7c chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1edf h\u1eefu.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u th\u00eam v\u1ec1 s\u1ea3n ph\u1ea9m n\u00e0y tr\u00ean trang gi\u1edbi thi\u1ec7u <a href=\"https:\/\/polisarium.pl\/vi\/chiec-xe\/bao-hiem-trach-nhiem-dan-su\/\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 xe \u00f4 t\u00f4<\/a>. N\u1ebfu b\u1ea1n \u0111ang chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 cho giao d\u1ecbch, h\u01b0\u1edbng d\u1eabn v\u1ec1 nh\u1eefng \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd c\u0169ng s\u1ebd r\u1ea5t h\u1eefu \u00edch, ch\u1eb3ng h\u1ea1n nh\u01b0 <a href=\"https:\/\/polisarium.pl\/vi\/huong-dan\/mau-don-bao-hiem\/hop-dong-mua-xe-o-to-va-bao-hiem-trach-nhiem-dan-su-can-nhung-giay-to-nao\/\">C\u1ea7n c\u00f3 c\u00e1c gi\u1ea5y t\u1edd n\u00e0y khi mua xe c\u00f3 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c quy tr\u00ecnh d\u1ecbch v\u1ee5 kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i gi\u1ed1ng h\u1ec7t nhau \u1edf m\u1ecdi c\u00f4ng ty b\u1ea3o hi\u1ec3m, v\u00ec v\u1eady \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 <strong>c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee7a m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3<\/strong>. T\u00e0i li\u1ec7u c\u1ee7a Allianz n\u0103m 2025 cho bi\u1ebft ng\u01b0\u1eddi mua l\u1ea1i chi\u1ebfc xe \u0111\u00e3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u1ea1i Allianz c\u00f3 th\u1ec3 ti\u1ebfp t\u1ee5c s\u1eed d\u1ee5ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n nh\u01b0\u1ee3ng cho \u0111\u1ebfn khi h\u1ebft h\u1ea1n ho\u1eb7c ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng. Trong tr\u01b0\u1eddng h\u1ee3p ti\u1ebfp t\u1ee5c h\u1ee3p \u0111\u1ed3ng, Allianz c\u0169ng n\u00eau r\u00f5 c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft \u0111\u1ec3 c\u1eadp nh\u1eadt h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u00ean th\u1ef1c t\u1ebf, kh\u00f4ng n\u00ean tr\u00ec ho\u00e3n vi\u1ec7c li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m. Vi\u1ec7c l\u00e0m r\u00f5 t\u00ecnh tr\u1ea1ng h\u1ee3p \u0111\u1ed3ng ngay t\u1eeb s\u1edbm s\u1ebd gi\u00fap x\u00e1c \u0111\u1ecbnh li\u1ec7u th\u00f4ng tin \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt hay ch\u01b0a, c\u00f3 c\u1ea7n th\u00eam gi\u1ea5y t\u1edd n\u00e0o kh\u00f4ng v\u00e0 li\u1ec7u ph\u00ed b\u1ea3o hi\u1ec3m c\u00f3 \u0111\u01b0\u1ee3c t\u00ednh l\u1ea1i hay kh\u00f4ng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jakie-obowiazki-ma-sprzedajacy\">Ng\u01b0\u1eddi b\u00e1n c\u00f3 nh\u1eefng ngh\u0129a v\u1ee5 g\u00ec?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc h\u1ebft, ng\u01b0\u1eddi b\u00e1n n\u00ean <strong>trao cho ng\u01b0\u1eddi mua gi\u1ea5y x\u00e1c nh\u1eadn b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1<\/strong>. Nh\u1edd \u0111\u00f3, ng\u01b0\u1eddi mua c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh h\u1ee3p \u0111\u1ed3ng, ki\u1ec3m tra th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m v\u00e0 li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 li\u00ean quan. Ch\u1ec9 m\u1ed9t l\u1eddi \u0111\u1ea3m b\u1ea3o b\u1eb1ng mi\u1ec7ng r\u1eb1ng \u201eh\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1eabn c\u00f2n hi\u1ec7u l\u1ef1c\u201d kh\u00f4ng th\u1ec3 thay th\u1ebf cho v\u0103n b\u1ea3n ch\u00ednh th\u1ee9c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong v\u0103n b\u1ea3n c\u1ee7a TUZ Ubezpieczenia ng\u00e0y 15 th\u00e1ng 7 n\u0103m 2026 c\u00f3 quy \u0111\u1ecbnh r\u1eb1ng khi chuy\u1ec3n nh\u01b0\u1ee3ng ph\u01b0\u01a1ng ti\u1ec7n, ch\u1ee7 s\u1edf h\u1eefu ph\u1ea3i th\u00f4ng b\u00e1o b\u1eb1ng v\u0103n b\u1ea3n cho TUZ Ubezpieczenia v\u1ec1 vi\u1ec7c chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1edf h\u1eefu v\u00e0 th\u00f4ng tin c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu m\u1edbi. V\u0103n b\u1ea3n n\u00e0y n\u00eau r\u00f5 <strong>th\u00f4ng b\u00e1o trong v\u00f2ng 14 ng\u00e0y<\/strong> v\u00e0 trao cho ch\u1ee7 s\u1edf h\u1eefu m\u1edbi gi\u1ea5y t\u1edd x\u00e1c nh\u1eadn vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c ngh\u0129a v\u1ee5 n\u00eau tr\u00ean \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong t\u00e0i li\u1ec7u \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (TUZ). N\u1ebfu b\u1ea1n b\u00e1n chi\u1ebfc xe \u0111ang \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u1ea1i m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c, h\u00e3y ki\u1ec3m tra c\u00e1c th\u1eddi h\u1ea1n \u00e1p d\u1ee5ng, th\u00f4ng tin c\u1ea7n cung c\u1ea5p v\u00e0 th\u1ee7 t\u1ee5c th\u00f4ng b\u00e1o vi\u1ec7c b\u00e1n xe. \u0110\u1eebng cho r\u1eb1ng vi\u1ec7c k\u00fd h\u1ee3p \u0111\u1ed3ng mua b\u00e1n \u0111\u00e3 \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c th\u00f4ng b\u00e1o cho c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Piotr b\u00e1n chi\u1ebfc xe \u0111ang \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 t\u1ea1i c\u00f4ng ty b\u1ea3o hi\u1ec3m TUZ. Anh chuy\u1ec3n giao gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi mua, sau \u0111\u00f3 th\u1ef1c hi\u1ec7n theo quy tr\u00ecnh c\u1ee7a TUZ: n\u1ed9p th\u00f4ng b\u00e1o b\u1eb1ng v\u0103n b\u1ea3n v\u1ec1 vi\u1ec7c chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1edf h\u1eefu c\u00f9ng th\u00f4ng tin c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu m\u1edbi trong th\u1eddi h\u1ea1n quy \u0111\u1ecbnh trong v\u0103n b\u1ea3n. Anh kh\u00f4ng cho r\u1eb1ng h\u1ee3p \u0111\u1ed3ng mua b\u00e1n \u0111\u00e3 k\u00fd s\u1ebd t\u1ef1 \u0111\u1ed9ng c\u1eadp nh\u1eadt th\u00f4ng tin cho c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Nguy\u00ean t\u1eafc th\u1ef1c ti\u1ec5n:<\/strong> C\u1ea3 hai b\u00ean n\u00ean l\u01b0u gi\u1eef b\u1ea3n sao h\u1ee3p \u0111\u1ed3ng b\u00e1n h\u00e0ng, b\u1ea3n sao h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n giao v\u00e0 c\u00e1c th\u01b0 t\u1eeb trao \u0111\u1ed5i v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u n\u00e0y gi\u00fap d\u1ec5 d\u00e0ng x\u00e1c \u0111\u1ecbnh l\u1ea1i ng\u00e0y th\u00e1ng v\u00e0 ph\u1ea1m vi c\u1ee7a th\u00f4ng tin \u0111\u00e3 \u0111\u01b0\u1ee3c cung c\u1ea5p.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rekalkulacja-skladki-i-koniec-ochrony\">T\u00ednh l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 th\u1eddi \u0111i\u1ec3m ch\u1ea5m d\u1ee9t b\u1ea3o hi\u1ec3m<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sau khi thay \u0111\u1ed5i ch\u1ee7 s\u1edf h\u1eefu <strong>Vi\u1ec7c t\u00ednh to\u00e1n l\u1ea1i kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng di\u1ec5n ra t\u1ef1 \u0111\u1ed9ng<\/strong>. N\u1ebfu ng\u01b0\u1eddi mua kh\u00f4ng ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n nh\u01b0\u1ee3ng, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u00ednh l\u1ea1i s\u1ed1 ti\u1ec1n ph\u00ed b\u1ea3o hi\u1ec3m ph\u1ea3i n\u1ed9p k\u1ec3 t\u1eeb ng\u00e0y chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1edf h\u1eefu. Khi \u0111\u00f3, c\u00f4ng ty s\u1ebd t\u00ednh \u0111\u1ebfn c\u00e1c kho\u1ea3n gi\u1ea3m gi\u00e1 v\u00e0 ph\u1ee5 ph\u00ed \u00e1p d\u1ee5ng cho ch\u1ee7 s\u1edf h\u1eefu m\u1edbi theo bi\u1ec3u ph\u00ed hi\u1ec7n h\u00e0nh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed3ng th\u1eddi <strong>Y\u00eau c\u1ea7u c\u1ee7a ng\u01b0\u1eddi mua d\u1eabn \u0111\u1ebfn ngh\u0129a v\u1ee5 ph\u1ea3i t\u00ednh to\u00e1n l\u1ea1i<\/strong> cho kho\u1ea3ng th\u1eddi gian k\u1ec3 t\u1eeb ng\u00e0y chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1edf h\u1eefu. S\u1ef1 ph\u00e2n bi\u1ec7t n\u00e0y r\u1ea5t quan tr\u1ecdng: c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 quy\u1ec1n t\u1ef1 ch\u1ee7 \u0111\u1ed9ng t\u00ednh l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m, v\u00e0 khi c\u00f3 y\u00eau c\u1ea7u t\u1eeb ch\u1ee7 s\u1edf h\u1eefu m\u1edbi, c\u00f4ng ty ph\u1ea3i ti\u1ebfn h\u00e0nh vi\u1ec7c t\u00ednh to\u00e1n \u0111\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong t\u00e0i li\u1ec7u c\u1ee7a Allianz v\u1ec1 vi\u1ec7c gia h\u1ea1n b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 sau khi mua xe, \u0111\u00e3 n\u00eau r\u00f5 <strong>b\u1ea3n sao gi\u1ea5y \u0111\u0103ng k\u00fd xe sau khi thay \u0111\u1ed5i s\u1ed1<\/strong> c\u00f9ng v\u1edbi \u0111\u01a1n y\u00eau c\u1ea7u n\u00eau r\u00f5 th\u00f4ng tin c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu m\u1edbi v\u00e0 \u0111\u1ec1 ngh\u1ecb c\u1ea5p l\u1ea1i b\u1ea3n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt. Tuy nhi\u00ean, \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 b\u1ed9 h\u1ed3 s\u01a1 \u00e1p d\u1ee5ng chung cho to\u00e0n b\u1ed9 th\u1ecb tr\u01b0\u1eddng. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y l\u00fd do t\u1ea1i sao ng\u01b0\u1eddi mua n\u00ean ki\u1ec3m tra th\u1ee7 t\u1ee5c \u00e1p d\u1ee5ng c\u1ee5 th\u1ec3 cho h\u1ee3p \u0111\u1ed3ng c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ng\u00e0y quan tr\u1ecdng nh\u1ea5t v\u1eabn \u0111\u01b0\u1ee3c ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n nh\u01b0\u1ee3ng. H\u1ee3p \u0111\u1ed3ng c\u00f3 hi\u1ec7u l\u1ef1c cho \u0111\u1ebfn h\u1ebft th\u1eddi h\u1ea1n \u0111\u00e3 th\u1ecfa thu\u1eadn, tr\u1eeb khi ng\u01b0\u1eddi mua ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng tr\u01b0\u1edbc th\u1eddi h\u1ea1n. Sau khi th\u1eddi h\u1ea1n n\u00e0y k\u1ebft th\u00fac <strong>kh\u00f4ng c\u00f3 t\u00ednh n\u0103ng t\u1ef1 \u0111\u1ed9ng gia h\u1ea1n<\/strong> c\u00f3 ngh\u0129a l\u00e0 c\u1ea7n ph\u1ea3i k\u00fd k\u1ebft m\u1ed9t h\u1ee3p \u0111\u1ed3ng kh\u00e1c ri\u00eang bi\u1ec7t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t th\u00f3i quen t\u1ed5 ch\u1ee9c t\u1ed1t l\u00e0 ghi l\u1ea1i th\u1eddi h\u1ea1n v\u00e0o l\u1ecbch v\u00e0 b\u1eaft \u0111\u1ea7u chu\u1ea9n b\u1ecb t\u1eeb s\u1edbm. M\u1eb7c d\u00f9 \u0111i\u1ec1u n\u00e0y kh\u00f4ng thay \u0111\u1ed5i c\u00e1c quy \u0111\u1ecbnh ph\u00e1p l\u00fd, nh\u01b0ng s\u1ebd gi\u00fap tr\u00e1nh b\u1ecf s\u00f3t nh\u1eefng ng\u00e0y quan tr\u1ecdng. M\u1ed7i khi c\u00f3 s\u1ef1 thay \u0111\u1ed5i trong quy\u1ebft \u0111\u1ecbnh \u2013 d\u00f9 l\u00e0 ti\u1ebfp t\u1ee5c h\u1ee3p \u0111\u1ed3ng, n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u t\u00ednh to\u00e1n l\u1ea1i hay ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng \u2013 b\u1ea1n n\u00ean y\u00eau c\u1ea7u c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p v\u0103n b\u1ea3n x\u00e1c nh\u1eadn r\u00f5 r\u00e0ng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/h2>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<h3 class=\"wp-block-heading\" id=\"faq-czy-oc-zawsze-przechodzi-razem-z-samochodem\">B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC) c\u00f3 lu\u00f4n \u0111\u01b0\u1ee3c chuy\u1ec3n nh\u01b0\u1ee3ng c\u00f9ng v\u1edbi chi\u1ebfc xe kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C\u01a1 ch\u1ebf \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 \u00e1p d\u1ee5ng cho ph\u01b0\u01a1ng ti\u1ec7n n\u1eb1m trong ph\u1ea1m vi c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u00f2n hi\u1ec7u l\u1ef1c <strong>B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c<\/strong>. C\u00e1c quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 ph\u00e1t sinh t\u1eeb h\u1ee3p \u0111\u1ed3ng n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c chuy\u1ec3n giao cho ch\u1ee7 s\u1edf h\u1eefu m\u1edbi khi quy\u1ec1n s\u1edf h\u1eefu ph\u01b0\u01a1ng ti\u1ec7n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m thay \u0111\u1ed5i.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"faq-czy-po-zakupie-auta-trzeba-od-razu-kupic-nowe-oc\">Sau khi mua xe, c\u00f3 c\u1ea7n ph\u1ea3i mua ngay b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 m\u1edbi kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng, n\u1ebfu chi\u1ebfc xe v\u1eabn c\u00f2n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC) c\u00f2n hi\u1ec7u l\u1ef1c \u0111\u01b0\u1ee3c chuy\u1ec3n giao t\u1eeb ch\u1ee7 s\u1edf h\u1eefu tr\u01b0\u1edbc \u0111\u00f3 v\u00e0 ng\u01b0\u1eddi mua mu\u1ed1n ti\u1ebfp t\u1ee5c s\u1eed d\u1ee5ng xe. Ng\u01b0\u1eddi mua c\u00f3 th\u1ec3 gi\u1eef nguy\u00ean h\u1ee3p \u0111\u1ed3ng n\u00e0y cho \u0111\u1ebfn khi h\u1ebft h\u1ea1n ho\u1eb7c ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng. Tuy nhi\u00ean, ng\u01b0\u1eddi mua n\u00ean ch\u00fa \u00fd <strong>s\u1ef1 li\u00ean t\u1ee5c trong vi\u1ec7c b\u1ea3o v\u1ec7<\/strong> v\u00e0 ng\u00e0y h\u1ebft h\u1ea1n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 chuy\u1ec3n nh\u01b0\u1ee3ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"faq-czy-przejeta-polisa-przedluzy-sie-na-kolejny-rok\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n nh\u01b0\u1ee3ng c\u00f3 \u0111\u01b0\u1ee3c gia h\u1ea1n sang n\u0103m ti\u1ebfp theo kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u1eadn l\u1ea1i t\u1eeb ch\u1ee7 s\u1edf h\u1eefu tr\u01b0\u1edbc \u0111\u00f3 s\u1ebd kh\u00f4ng t\u1ef1 \u0111\u1ed9ng gia h\u1ea1n sang k\u1ef3 h\u1ea1n 12 th\u00e1ng ti\u1ebfp theo. Ch\u1ee7 s\u1edf h\u1eefu m\u1edbi ph\u1ea3i t\u1ef1 lo vi\u1ec7c gia h\u1ea1n b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 tr\u01b0\u1edbc khi k\u1ebft th\u00fac k\u1ef3 h\u1ea1n b\u1ea3o hi\u1ec3m hi\u1ec7n t\u1ea1i.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"faq-czy-skladka-po-zakupie-auta-moze-sie-zmienic\">Ph\u00ed b\u1ea3o hi\u1ec3m sau khi mua xe c\u00f3 th\u1ec3 thay \u0111\u1ed5i kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00fang v\u1eady. N\u1ebfu ng\u01b0\u1eddi mua gi\u1eef l\u1ea1i h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 chuy\u1ec3n nh\u01b0\u1ee3ng, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u00ednh l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m k\u1ec3 t\u1eeb ng\u00e0y chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1edf h\u1eefu, d\u1ef1a tr\u00ean th\u00f4ng tin c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu m\u1edbi. Ng\u01b0\u1eddi mua c\u0169ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u t\u00ednh l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"faq-jakie-dokumenty-moze-otrzymac-lub-przygotowac-kupujacy\">Ng\u01b0\u1eddi mua c\u00f3 th\u1ec3 nh\u1eadn ho\u1eb7c chu\u1ea9n b\u1ecb nh\u1eefng lo\u1ea1i gi\u1ea5y t\u1edd n\u00e0o?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C\u01a1 s\u1edf l\u00e0 t\u00e0i li\u1ec7u x\u00e1c nh\u1eadn vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 do ng\u01b0\u1eddi b\u00e1n cung c\u1ea5p. C\u00e1c y\u00eau c\u1ea7u kh\u00e1c t\u00f9y thu\u1ed9c v\u00e0o quy tr\u00ecnh c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. Allianz y\u00eau c\u1ea7u, trong s\u1ed1 nh\u1eefng gi\u1ea5y t\u1edd kh\u00e1c, \u0111\u01a1n \u0111\u0103ng k\u00fd c\u00f3 th\u00f4ng tin c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu m\u1edbi, v\u00e0 trong tr\u01b0\u1eddng h\u1ee3p thay \u0111\u1ed5i s\u1ed1 \u0111\u0103ng k\u00fd xe \u2013 c\u00f2n ph\u1ea3i c\u00f3 b\u1ea3n sao gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd xe.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"faq-czy-te-same-zasady-dotycza-ac-i-assistance\">C\u00e1c quy \u0111\u1ecbnh n\u00e0y c\u00f3 \u00e1p d\u1ee5ng cho b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 (AC) v\u00e0 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 (assistance) kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean cho r\u1eb1ng nh\u01b0 v\u1eady. B\u00e0i b\u00e1o n\u00e0y \u0111\u1ec1 c\u1eadp \u0111\u1ebfn b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c. C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n th\u00ec y\u00eau c\u1ea7u <strong>vi\u1ec7c ki\u1ec3m tra ri\u00eang c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng<\/strong> v\u00e0 c\u00e1c th\u1ee7 t\u1ee5c do c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00f3 quy \u0111\u1ecbnh.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Vi\u1ec7c chuy\u1ec3n nh\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC) gi\u00fap \u0111\u01a1n gi\u1ea3n h\u00f3a qu\u00e1 tr\u00ecnh mua xe \u0111\u00e3 qua s\u1eed d\u1ee5ng, nh\u01b0ng kh\u00f4ng mi\u1ec5n tr\u1eeb ngh\u0129a v\u1ee5 cho b\u1ea5t k\u1ef3 b\u00ean n\u00e0o trong vi\u1ec7c ho\u00e0n t\u1ea5t c\u00e1c th\u1ee7 t\u1ee5c gi\u1ea5y t\u1edd. Ng\u01b0\u1eddi mua n\u00ean bi\u1ebft ng\u00e0y h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m, ki\u1ec3m tra kh\u1ea3 n\u0103ng gia h\u1ea1n v\u00e0 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh c\u00f3 c\u0103n c\u1ee9 v\u1ec1 vi\u1ec7c ti\u1ebfp t\u1ee5c h\u1ee3p \u0111\u1ed3ng. Ng\u01b0\u1eddi b\u00e1n n\u00ean b\u00e0n giao gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c ngh\u0129a v\u1ee5 theo quy tr\u00ecnh c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh. H\u00e3y l\u01b0u \u00fd ng\u00e0y h\u1ebft h\u1ea1n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 chuy\u1ec3n nh\u01b0\u1ee3ng, v\u00ec h\u1ee3p \u0111\u1ed3ng n\u00e0y s\u1ebd kh\u00f4ng t\u1ef1 \u0111\u1ed9ng \u0111\u01b0\u1ee3c gia h\u1ea1n sang k\u1ef3 ti\u1ebfp theo.<\/p>","protected":false},"excerpt":{"rendered":"<p>Vi\u1ec7c mua m\u1ed9t chi\u1ebfc xe \u0111\u00e3 qua s\u1eed d\u1ee5ng kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 hi\u1ec7n t\u1ea1i s\u1ebd h\u1ebft hi\u1ec7u l\u1ef1c ngay khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng. N\u1ebfu chi\u1ebfc xe \u0111\u00f3 c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c c\u00f2n hi\u1ec7u l\u1ef1c, th\u00ec ng\u01b0\u1eddi mua\u2026<\/p>","protected":false},"author":1,"featured_media":5869,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[49],"tags":[123,120,124,121,122],"class_list":["post-5870","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenie-oc","tag-cesja-polisy-oc","tag-czy-oc-przechodzi-na-nowego-wlasciciela","tag-oc-a-sprzedaz-auta","tag-przepisanie-oc-po-kupnie-auta","tag-ubezpieczenie-po-zakupie-samochodu"],"acf":[],"yoast_head":"<!-- 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