{"id":1924,"date":"2022-03-24T07:05:00","date_gmt":"2022-03-24T06:05:00","guid":{"rendered":"https:\/\/leasing.sos.pl\/?p=1924"},"modified":"2022-03-30T19:49:01","modified_gmt":"2022-03-30T17:49:01","slug":"ubezpieczenie-w-leasingu","status":"publish","type":"post","link":"https:\/\/leasing.sos.pl\/blog\/ubezpieczenie-w-leasingu\/","title":{"rendered":"Jak to jest z ubezpieczeniem w leasingu?"},"content":{"rendered":"\n<p>Tutaj zam\u00f3wisz <a href=\"https:\/\/leasing.sos.pl\/blog\/ubezpieczenie-gap\/\" data-type=\"post\" data-id=\"2389\">ubezpieczenie GAP do leasingu<\/a> w 7 sek. Po wybraniu ceny i interesuj\u0105cej Ci\u0119 polisy na GAP czekaj na nasz kontakt &#8211; zam\u00f3wienie zrealizujemy online.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id13062_ca81c6-0c{margin-top:20px;margin-bottom:20px;}.kb-row-layout-id13062_ca81c6-0c > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id13062_ca81c6-0c > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id13062_ca81c6-0c > .kt-row-column-wrap{column-gap:80px;row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:60px;padding-bottom:60px;grid-template-columns:minmax(0, calc(50% - ((80px * 1 )\/2))) minmax(0, calc(50% - ((80px * 1 )\/2)));}.kb-row-layout-id13062_ca81c6-0c{border-top-left-radius:12px;border-top-right-radius:12px;border-bottom-right-radius:12px;border-bottom-left-radius:12px;overflow:hidden;isolation:isolate;}.kb-row-layout-id13062_ca81c6-0c > .kt-row-layout-overlay{opacity:1;background:linear-gradient(135deg,var(--global-palette3) 35%,rgb(164,215,179) 45%);}@media all and (max-width: 1024px){.kb-row-layout-id13062_ca81c6-0c > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id13062_ca81c6-0c > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id13062_ca81c6-0c alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column13062_851716-2a > .kt-inside-inner-col{display:flex;}.kadence-column13062_851716-2a, .kt-inside-inner-col > .kadence-column13062_851716-2a:not(.specificity){margin-left:20px;}.kadence-column13062_851716-2a > .kt-inside-inner-col,.kadence-column13062_851716-2a > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column13062_851716-2a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13062_851716-2a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13062_851716-2a > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column13062_851716-2a{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13062_851716-2a{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13062_851716-2a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13062_851716-2a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13062_851716-2a{text-align:center;}.kadence-column13062_851716-2a{position:relative;}@media all and (max-width: 1024px){.kadence-column13062_851716-2a > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column13062_851716-2a, .kt-inside-inner-col > .kadence-column13062_851716-2a:not(.specificity){margin-top:0px;margin-right:10px;margin-bottom:0px;margin-left:0px;}.kadence-column13062_851716-2a{text-align:center;}.kadence-column13062_851716-2a > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13062_851716-2a inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.kb-image13062_a2d566-65.kb-image-is-ratio-size, .kb-image13062_a2d566-65 .kb-image-is-ratio-size{max-width:400px;width:100%;}.wp-block-kadence-column > .kt-inside-inner-col > .kb-image13062_a2d566-65.kb-image-is-ratio-size, .wp-block-kadence-column > .kt-inside-inner-col > .kb-image13062_a2d566-65 .kb-image-is-ratio-size{align-self:unset;}.kb-image13062_a2d566-65{max-width:400px;}.image-is-svg.kb-image13062_a2d566-65{-webkit-flex:0 1 100%;flex:0 1 100%;}.image-is-svg.kb-image13062_a2d566-65 img{width:100%;}.kb-image13062_a2d566-65:not(.kb-image-is-ratio-size) .kb-img, .kb-image13062_a2d566-65.kb-image-is-ratio-size{padding-left:10px;}.kb-image13062_a2d566-65 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image13062_a2d566-65 size-full\"><a href=\"https:\/\/leasing.sos.pl\/kalkulator-ubezpieczenia-gap-warunki\/\" class=\"kb-advanced-image-link\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Kalkulator ubezpieczenia GAP\"><img decoding=\"async\" width=\"501\" height=\"550\" src=\"https:\/\/leasing.sos.pl\/wp-content\/uploads\/Zamow-wygodny-leasing-online-bez-wstawania-z-krzesla.png\" alt=\"Mo\u017cesz zam\u00f3wi\u0107 wygodnie leasing online - bez wstawania z krzes\u0142a\" class=\"kb-img wp-image-31131\" title=\"GAP W 7 SEKUND? Sprawd\u017a!\" srcset=\"https:\/\/leasing.sos.pl\/wp-content\/uploads\/Zamow-wygodny-leasing-online-bez-wstawania-z-krzesla.png 501w, https:\/\/leasing.sos.pl\/wp-content\/uploads\/Zamow-wygodny-leasing-online-bez-wstawania-z-krzesla-273x300.png 273w, https:\/\/leasing.sos.pl\/wp-content\/uploads\/Zamow-wygodny-leasing-online-bez-wstawania-z-krzesla-137x150.png 137w\" sizes=\"(max-width: 501px) 100vw, 501px\" \/><\/a><\/figure>\n<\/div><\/div>\n\n\n<style>.kadence-column13062_2d04b6-cf > .kt-inside-inner-col{display:flex;}.kadence-column13062_2d04b6-cf, .kt-inside-inner-col > .kadence-column13062_2d04b6-cf:not(.specificity){margin-right:0px;}.kadence-column13062_2d04b6-cf > .kt-inside-inner-col,.kadence-column13062_2d04b6-cf > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:20px;border-bottom-left-radius:0px;}.kadence-column13062_2d04b6-cf > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13062_2d04b6-cf > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13062_2d04b6-cf > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column13062_2d04b6-cf{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13062_2d04b6-cf{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13062_2d04b6-cf > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13062_2d04b6-cf > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13062_2d04b6-cf{position:relative;}@media all and (max-width: 1024px){.kadence-column13062_2d04b6-cf > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column13062_2d04b6-cf > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13062_2d04b6-cf inner-column-2\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading13062_e1d789-73, .wp-block-kadence-advancedheading.kt-adv-heading13062_e1d789-73[data-kb-block=\"kb-adv-heading13062_e1d789-73\"]{padding-top:40px;font-weight:600;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading13062_e1d789-73 mark, .wp-block-kadence-advancedheading.kt-adv-heading13062_e1d789-73[data-kb-block=\"kb-adv-heading13062_e1d789-73\"] mark{font-style:normal;color:#f76a0c;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<h2 class=\"kt-adv-heading13062_e1d789-73 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13062_e1d789-73\">Najbardziej aktualny kalkulator ubezpieczenia GAP <\/h2>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items13062_d8650e-d1:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13062_d8650e-d1 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:10px;margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13062_d8650e-d1 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13062_d8650e-d1 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items13062_d8650e-d1 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-13062_38cd42-71 .kt-svg-icon-list-single{font-size:20px !important;color:var(--global-palette3, #1A202C) !important;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13062_38cd42-71 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\">Gwarancja najni\u017cszej ceny i szerokiego pakietu ochrony<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13062_914a34-9b .kt-svg-icon-list-single{font-size:20px !important;color:var(--global-palette3, #1A202C) !important;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13062_914a34-9b 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\">Odszkodowanie wyp\u0142acane Tobie a nie leasingodawcy<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13062_9ba5ed-a4 .kt-svg-icon-list-single{font-size:20px !important;color:var(--global-palette3, #1A202C) !important;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13062_9ba5ed-a4 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\">Procedura ubezpieczenia on-line, minimum formalno\u015bci<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedbtn.kb-btns13062_6842b2-f9{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns13062_6842b2-f9 .kt-button{font-weight:normal;font-style:normal;}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns13062_6842b2-f9\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn13062_86a77e-15.kb-button{width:initial;}@media all and (max-width: 1024px){.kb-btn13062_86a77e-15.kb-button .kb-svg-icon-wrap{display:block;}}<\/style><a class=\"kb-button kt-button button kb-btn13062_86a77e-15 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-false wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/leasing.sos.pl\/kalkulator-ubezpieczenia-gap-warunki\/\"><span class=\"kt-btn-inner-text\">kalkulator ubezpieczenia GAP<\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Leasingi<\/span><\/p><\/nav>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"0-ubezpieczenie-w-leasingu-samochodu-firmowego-motocykla-ci%C4%85gnika-siod%C5%82owego-naczepy-autobusu-maszyny\">Ubezpieczenie w leasingu samochodu firmowego, motocykla, ci\u0105gnika siod\u0142owego, naczepy, autobusu, maszyny&#8230;<\/h2>\n\n\n\n<p>Leasing postrzegany jest zazwyczaj jako opcja <a class=\"rank-math-link\" rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/blog\/leasing-kredyt-gotowka\/\" target=\"_blank\">bardziej op\u0142acalna od kredytu<\/a> bankowego, gdy\u017c jest <a class=\"rank-math-link\" rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/blog\/leasing-dlaczego-atrakcyjny\/\" target=\"_blank\">korzystniejszy finansowo i podatkowo<\/a>. Przez to jest bardziej atrakcyjny ni\u017c zaci\u0105ganie kredytu na zakup samochodu, maszyny czy urz\u0105dzenia potrzebnego w firmie. Decyduj\u0105c si\u0119 na leasing nale\u017cy pami\u0119ta\u0107 jednak o konieczno\u015bci zabezpieczenia dzier\u017cawionego mienia, a tym samym o dodatkowych op\u0142atach z nim zwi\u0105zanych. Takie zabezpieczenie wymusza na leasingobiorcy <a class=\"rank-math-link\" rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/4-kroki-do-leasingu\/umowa-leasingu\/\" target=\"_blank\">umowa leasingu<\/a>. W zale\u017cno\u015bci od typu mienia mowa tu o ubezpieczeniu komunikacyjnym lub maj\u0105tkowym, kt\u00f3rego koszt nale\u017cy uwzgl\u0119dni\u0107 w ksi\u0119gach firmowych po stronie wydatk\u00f3w.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"1-koszt-ubezpieczenia-przy-leasingu\">Koszt ubezpieczenia przy leasingu<\/h2>\n\n\n\n<p>Poni\u017csze zestawienie prezentuje \u015brednie stawki roczne ubezpieczenia w leasingu w zale\u017cno\u015bci od przedmiotu leasingu (jako procent od warto\u015bci zabezpieczanego mienia):<\/p>\n\n\n\n<figure class=\"wp-block-table aligncenter\"><table><tbody><tr><td><a href=\"https:\/\/leasing.sos.pl\/blog\/dlaczego-leasing-maszyn-urzadzen-produkcyjnych\/\" target=\"_blank\" data-type=\"post\" data-id=\"4641\" rel=\"noreferrer noopener\">Maszyny produkcyjne<\/a><\/td><td>0,25-1%<\/td><td><a href=\"https:\/\/centrum.auto.pl\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"rank-math-link\">Nowy samoch\u00f3d<\/a><\/td><td>3-5%<\/td><\/tr><tr><td><a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-maszyn-rolniczych\/\" target=\"_blank\" rel=\"noopener noreferrer\">Maszyny rolnicze<\/a><\/td><td>0,5-1%<\/td><td><a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-samochodow\/\" target=\"_blank\" rel=\"noopener noreferrer\">U\u017cywany samoch\u00f3d<\/a><\/td><td>5-10%<\/td><\/tr><tr><td>Sprz\u0119t przeno\u015bny<\/td><td>2-5%<\/td><td><a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-motocykli\/\" target=\"_blank\" rel=\"noopener noreferrer\">Motocykl<\/a><\/td><td>5-10%<\/td><\/tr><tr><td>Sprz\u0119t stacjonarny<\/td><td>0,4-1,5%<\/td><td><a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-samochodow-ciezarowych\/\" target=\"_blank\" rel=\"noopener noreferrer\">Nowy ci\u0105gnik siod\u0142owy<\/a><\/td><td>3-4%<\/td><\/tr><tr><td><a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-maszyn-budowlanych\/\" target=\"_blank\" rel=\"noopener noreferrer\">Sprz\u0119t budowlany<\/a><\/td><td>0,5-1%<\/td><td>Naczepa, przyczepa<\/td><td>1-2%<\/td><\/tr><\/tbody><\/table><figcaption>Ubezpieczenia maj\u0105tkowe vs Ubezpieczenia komunikacyjne<\/figcaption><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Do koszt\u00f3w ubezpieczenia wi\u0119kszo\u015bci maszyn doliczy\u0107 nale\u017cy dodatkowo koszt OC (dotyczy np. w\u00f3zk\u00f3w wid\u0142owych, \u0142adowarek czy kombajn\u00f3w), podobnie jak do ubezpieczenia komunikacyjnego leasingowanego samochodu, ci\u0119\u017car\u00f3wki czy motocykla doliczy\u0107 trzeba koszt AC. Dlaczego? Ot\u00f3\u017c ubezpieczenie <a rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/blog\/leasing-samochodow\/\" target=\"_blank\" class=\"rank-math-link\">samochodu w leasingu<\/a> musi by\u0107 kompletne: nie wystarczy samo OC. W umowie leasingu operacyjnego auta wymagane jest zazwyczaj autocasco, czyli ochrona pojazdu i jego wyposa\u017cenia na wypadek kradzie\u017cy oraz ochrona przed uszkodzeniem lub zniszczeniem spowodowanym przez kierowc\u0119, czynniki zewn\u0119trzne, osoby trzecie lub zwierz\u0119ta. Sk\u0142adki OC leasingowanego samochodu mo\u017cna zaliczy\u0107 w ca\u0142o\u015bci do koszt\u00f3w uzyskania przychodu. Nawet po <a rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/blog\/zmiany-leasing-2019\/\" target=\"_blank\">zmianach w leasingu od 2019<\/a> r. ubezpieczenie OC leasingu, jako obowi\u0105zkowe mo\u017ce by\u0107 w ca\u0142o\u015bci zaliczane do koszt\u00f3w uzyskania przychodu. Natomiast sk\u0142adki AC jedynie do okre\u015blonej kwoty a wi\u0119c do tej, kt\u00f3ra stanowi proporcj\u0119 kwoty nowego limitu wynosz\u0105cego 150 tys. z\u0142 do warto\u015bci auta.<\/p>\n\n\n\n<p>W przypadku samochod\u00f3w osobowych, transportu ci\u0119\u017ckiego czy motocykli cz\u0119sto wymagane jest dodatkowo <a href=\"https:\/\/leasing.sos.pl\/blog\/ubezpieczenie-gap\/\" class=\"rank-math-link\">ubezpieczenie GAP,<\/a> kt\u00f3re rozliczane jest na takiej samej zasadzie jak ubezpieczenie AC. GAP nie jest obowi\u0105zkowy, jednak z uwagi na swoj\u0105 nisk\u0105 cen\u0119 jest coraz cz\u0119\u015bciej wybierany przez leasingobiorc\u00f3w. Pozwala bowiem uzyska\u0107 odszkodowanie <strong>w warto\u015bci 100% pojazdu wg jego ceny<\/strong> podanej na fakturze zakupu.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id_656575-f7{margin-bottom:-10px;}.kb-row-layout-id_656575-f7 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id_656575-f7 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id_656575-f7 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id_656575-f7 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id_656575-f7 > 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> .kt-inside-inner-col{flex-direction:column;}.kadence-column_267302-55 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_267302-55 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_267302-55{position:relative;}@media all and (max-width: 1024px){.kadence-column_267302-55 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_267302-55 > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column_267302-55 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-icon.kt-svg-icons_f95a73-4d{justify-content:center;}<\/style>\n<div class=\"wp-block-kadence-icon kt-svg-icons kt-svg-icons_f95a73-4d alignnone\"><style>.kt-svg-item-_be0784-78 .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);font-size:50px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-_be0784-78\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_lightbulb\"><svg viewBox=\"0 0 384 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M272 428v28c0 10.449-6.68 19.334-16 22.629V488c0 13.255-10.745 24-24 24h-80c-13.255 0-24-10.745-24-24v-9.371c-9.32-3.295-16-12.18-16-22.629v-28c0-6.627 5.373-12 12-12h136c6.627 0 12 5.373 12 12zm-143.107-44c-9.907 0-18.826-6.078-22.376-15.327C67.697 267.541 16 277.731 16 176 16 78.803 94.805 0 192 0s176 78.803 176 176c0 101.731-51.697 91.541-90.516 192.673-3.55 9.249-12.47 15.327-22.376 15.327H128.893zM112 176c0-44.112 35.888-80 80-80 8.837 0 16-7.164 16-16s-7.163-16-16-16c-61.757 0-112 50.243-112 112 0 8.836 7.164 16 16 16s16-7.164 16-16z\"\/><\/svg><\/span><\/div>\n<\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading_2d55fc-db1, .wp-block-kadence-advancedheading.kt-adv-heading_2d55fc-db1[data-kb-block=\"kb-adv-heading_2d55fc-db1\"]{margin-top:20px;text-align:center;font-size:36px;font-weight:700;font-style:normal;text-transform:uppercase;letter-spacing:1.5px;}.wp-block-kadence-advancedheading.kt-adv-heading_2d55fc-db1 mark, .wp-block-kadence-advancedheading.kt-adv-heading_2d55fc-db1[data-kb-block=\"kb-adv-heading_2d55fc-db1\"] mark{font-style:normal;color:#f76a0c;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading_2d55fc-db1, .wp-block-kadence-advancedheading.kt-adv-heading_2d55fc-db1[data-kb-block=\"kb-adv-heading_2d55fc-db1\"]{line-height:34px;}}<\/style>\n<p class=\"kt-adv-heading_2d55fc-db1 wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color\" data-kb-block=\"kb-adv-heading_2d55fc-db1\">LEASING BEZPO\u015aREDNI?<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading_af1201-452, .wp-block-kadence-advancedheading.kt-adv-heading_af1201-452[data-kb-block=\"kb-adv-heading_af1201-452\"]{text-align:center;font-weight:600;font-style:normal;text-transform:lowercase;letter-spacing:0px;}.wp-block-kadence-advancedheading.kt-adv-heading_af1201-452 mark, .wp-block-kadence-advancedheading.kt-adv-heading_af1201-452[data-kb-block=\"kb-adv-heading_af1201-452\"] mark{font-style:normal;color:#f76a0c;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<div class=\"kt-adv-heading_af1201-452 wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color\" data-kb-block=\"kb-adv-heading_af1201-452\"><em>U\u017cyj poni\u017cszego kwestionariusza a nasi partnerzy (banki i firmy leasingowe) przygotuj\u0105 niezb\u0119dne informacje w sprawie leasingu oraz jego wyceny!<\/em><\/div>\n\n\n<style>.wp-block-kadence-spacer.kt-block-spacer-_f0caea-fe .kt-block-spacer{height:60px;}.wp-block-kadence-spacer.kt-block-spacer-_f0caea-fe .kt-divider{border-top-width:1px;height:1px;border-top-color:var(--global-palette3, #1A202C);width:80%;border-top-style:solid;}@media all and (max-width: 1024px){.wp-block-kadence-spacer.kt-block-spacer-_f0caea-fe .kt-block-spacer{height:50px!important;}}@media all and (max-width: 767px){.wp-block-kadence-spacer.kt-block-spacer-_f0caea-fe .kt-block-spacer{height:35px!important;}}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-_f0caea-fe\"><div class=\"kt-block-spacer kt-block-spacer-halign-center\"><hr class=\"kt-divider\"\/><\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id_96f954-ff{margin-top:30px;margin-bottom:-15px;}.kb-row-layout-id_96f954-ff > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id_96f954-ff > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id_96f954-ff > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id_96f954-ff > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id_96f954-ff > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id_96f954-ff{margin-top:0px;}.kb-row-layout-id_96f954-ff > .kt-row-column-wrap{padding-bottom:27px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id_96f954-ff alignwide wp-block-kadence-rowlayout\"><div 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background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-2\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/mLeasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-3\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/PEAC-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-4\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/Impuls-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-5\" 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style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/Cofidis-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-13\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/GRENKE-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-14\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/BNP-Paribas-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-15\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/BOS-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-16\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/Alior-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-17\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/Polski-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><\/div><\/div><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column_264a89-66 > .kt-inside-inner-col{padding-right:var(--global-kb-spacing-4xl, 8rem);padding-left:var(--global-kb-spacing-4xl, 8rem);}.kadence-column_264a89-66 > .kt-inside-inner-col,.kadence-column_264a89-66 > 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class=\"wp-block-spacer\"><\/div>\n\n\n<link rel='stylesheet' id='formidable-css' href='https:\/\/leasing.sos.pl\/wp-content\/plugins\/formidable\/css\/formidableforms1.css?ver=412006' media='all' \/><div class=\"frm_forms  with_frm_style frm_center_submit frm_style_kadence\" id=\"frm_form_17_container\" ><form enctype=\"multipart\/form-data\" method=\"post\" class=\"frm-show-form  frm_ajax_submit  frm_pro_form  frm_logic_form \" id=\"form_pytania_leasing\"  ><div class=\"frm_form_fields  frm_page_num_1\"><fieldset><legend class=\"frm_screen_reader\">L.4  Leasing bezpo\u015bredni<\/legend><div class=\"frm_fields_container\"><input type=\"hidden\" name=\"frm_action\" value=\"create\" \/><input type=\"hidden\" name=\"form_id\" value=\"17\" \/><input type=\"hidden\" name=\"frm_hide_fields_17\" id=\"frm_hide_fields_17\" value=\"\" \/><input type=\"hidden\" name=\"form_key\" value=\"pytania_leasing\" \/><input type=\"hidden\" name=\"item_meta[0]\" value=\"\" \/><input type=\"hidden\" id=\"frm_submit_entry_17\" name=\"frm_submit_entry_17\" value=\"e97f834a56\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/wp-json\/wp\/v2\/posts\/1924\/\" \/><input type=\"hidden\" name=\"item_meta[811]\" id=\"field_jq23f\" value=\"\"  data-invmsg=\"Referer:  is invalid\"   \/><input type=\"hidden\" name=\"item_meta[812]\" id=\"field_8xaj9\" value=\"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/posts\/1924\/\"  data-frmval=\"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/posts\/1924\/\" data-invmsg=\"URl:  is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1399]\" id=\"field_cc17t\" value=\"\"  data-invmsg=\"Lead\/Deal source (musi si\u0119 zawiera\u0107 w li\u015bcie dot\u0119pnych opcji do wyboru z CRMa) is invalid\"   \/><div id=\"frm_field_302_container\" class=\"frm_form_field frm_section_heading form-field \"><h3 class=\"frm_pos_top frm_section_spacing\">Co planujesz wyleasingowa\u0107?<\/h3><div id=\"frm_field_326_container\" class=\"frm_form_field form-field  frm_required_field frm_top_container frm_three_col\"><div  id=\"field_ko1zz_label\" class=\"frm_primary_label\"><span class=\"frm_required\"><\/span><\/div><div class=\"frm_opt_container\" aria-labelledby=\"field_ko1zz_label\" role=\"radiogroup\" aria-required=\"true\"><div class=\"frm_radio\" id=\"frm_radio_326-302-0\"><label for=\"field_ko1zz-0\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-0\" value=\"Maszyny rolnicze, le\u015bne\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Maszyny rolnicze, le\u015bne<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-1\"><label for=\"field_ko1zz-1\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-1\" value=\"Technologie i automatyka\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Technologie i automatyka<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-2\"><label for=\"field_ko1zz-2\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-2\" value=\"Auta osobowe\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Auta osobowe<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-3\"><label for=\"field_ko1zz-3\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-3\" value=\"Jachty, \u0142odzie, motor\u00f3wki\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Jachty, \u0142odzie, motor\u00f3wki<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-4\"><label for=\"field_ko1zz-4\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-4\" value=\"Maszyny CNC, frezarki, obrabiarki\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Maszyny CNC, frezarki, obrabiarki<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-5\"><label for=\"field_ko1zz-5\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-5\" value=\"Sprz\u0119t i meble do biur, sklep\u00f3w\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Sprz\u0119t i meble do biur, sklep\u00f3w<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-6\"><label for=\"field_ko1zz-6\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-6\" value=\"Sprz\u0119t warsztatowy, narz\u0119dzia\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Sprz\u0119t warsztatowy, narz\u0119dzia<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-7\"><label for=\"field_ko1zz-7\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-7\" value=\"Sprz\u0119t IT, serwery, oprogramowanie\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Sprz\u0119t IT, serwery, oprogramowanie<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-8\"><label for=\"field_ko1zz-8\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-8\" value=\"Biura, magazyny i nieruchomo\u015bci\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Biura, magazyny i nieruchomo\u015bci<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-9\"><label for=\"field_ko1zz-9\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-9\" value=\"Busy i pojazdy dostawcze\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Busy i pojazdy dostawcze<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-10\"><label for=\"field_ko1zz-10\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-10\" value=\"Ci\u0105gniki siod\u0142owe, naczepy\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Ci\u0105gniki siod\u0142owe, naczepy<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-11\"><label for=\"field_ko1zz-11\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-11\" value=\"W\u00f3zki wid\u0142owe i paleciaki\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> W\u00f3zki wid\u0142owe i paleciaki<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-12\"><label for=\"field_ko1zz-12\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-12\" value=\"Sprz\u0119t kosmetyczny, fitness\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Sprz\u0119t kosmetyczny, fitness<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-13\"><label for=\"field_ko1zz-13\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-13\" value=\"Linie lub maszyny produkcyjne\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Linie lub maszyny produkcyjne<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-14\"><label for=\"field_ko1zz-14\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-14\" value=\"Skutery, motocykle i quady\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Skutery, motocykle i quady<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-15\"><label for=\"field_ko1zz-15\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-15\" value=\"Pojazdy specjalistyczne\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Pojazdy specjalistyczne<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-16\"><label for=\"field_ko1zz-16\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-16\" value=\"Autokary, busy osobowe\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Autokary, busy osobowe<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-17\"><label for=\"field_ko1zz-17\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-17\" value=\"Panele, fotowoltaika\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Panele, fotowoltaika<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-18\"><label for=\"field_ko1zz-18\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-18\" value=\"Sprz\u0119t i maszyny wytw\u00f3rcze\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Sprz\u0119t i maszyny wytw\u00f3rcze<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-19\"><label for=\"field_ko1zz-19\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-19\" value=\"Maszyny budowlane, drogowe\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Maszyny budowlane, drogowe<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-20\"><label for=\"field_ko1zz-20\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-20\" value=\"Sprz\u0119t medyczny, dla aptek\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Sprz\u0119t medyczny, dla aptek<\/label><\/div><\/div><\/div><\/div><input type=\"hidden\" name=\"frm_page_order_17\" id=\"frm_page_order_17\" value=\"13\" \/><input type=\"hidden\" name=\"item_meta[329]\" id=\"field_b6roe\" value=\"\"  data-invmsg=\"Jakiej wielko\u015bci finansowania potrzebujesz? is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1010]\" id=\"field_mcmxc\" value=\"\"  data-sectionid=\"329\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" aria-required=\"true\" data-invmsg=\"Number is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1609]\" id=\"field_qxrtl\" value=\"Netto\"  data-sectionid=\"329\" data-frmval=\"Netto\" data-invmsg=\"Jak\u0105 warto\u015b\u0107 podajesz? is invalid\"   \/><input type=\"hidden\" name=\"item_meta[330]\" id=\"field_q1v84\" value=\"\"  data-invmsg=\"Section Buttons is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1915]\" id=\"field_52ecy\" value=\"5269\"  data-frmval=\"5269\" data-invmsg=\"Default-owa stawka VAT is invalid\"   \/><input type=\"hidden\" name=\"item_meta[328]\" id=\"field_ix62n\" value=\"\"  data-invmsg=\"Dalej is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1404]\" id=\"field_zt4ds\" value=\"\"  data-invmsg=\"Wyst\u0119pujesz w roli przedsi\u0119biorcy czy konsumenta? is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1408]\" id=\"field_naei3-0\" value=\"Firma\/JDG\"  data-sectionid=\"336\" data-frmval=\"Firma\/JDG\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"Zamawiasz jako: is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1414]\" id=\"field_r7zxt\" value=\"\"  data-invmsg=\"Section Buttons is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1407]\" id=\"field_st0ro\" value=\"\"  data-invmsg=\"Dalej is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1409]\" id=\"field_cv9ar\" value=\"\"  data-invmsg=\"Jak d\u0142ugo Twoja firma dzia\u0142a na rynku? is invalid\"   \/><input type=\"hidden\" name=\"item_meta[335]\" id=\"field_qd5jo-0\" value=\"\"  data-sectionid=\"332\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\"   \/><input type=\"hidden\" name=\"item_meta[333]\" id=\"field_bx6id\" value=\"\"  data-invmsg=\"Section Buttons is invalid\"   \/><input type=\"hidden\" name=\"item_meta[334]\" id=\"field_f0pde\" value=\"\"  data-invmsg=\"Dalej is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1419]\" id=\"field_biivq\" value=\"\"  data-invmsg=\"Wska\u017c przedzia\u0142, w kt\u00f3rym mieszcz\u0105 si\u0119 przybli\u017cone przychody Twojej firmy za ostatnie 12 miesi\u0119cy. is invalid\"   \/><input type=\"hidden\" name=\"item_meta[340]\" id=\"field_y2niu-0\" value=\"\"  data-sectionid=\"1419\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1420]\" id=\"field_xt6un\" value=\"\"  data-invmsg=\"Section Buttons is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1421]\" id=\"field_l7cc8\" value=\"\"  data-invmsg=\"W kt\u00f3rym przedziale mieszcz\u0105 si\u0119 Twoje przybli\u017cone dochody za ostatni rok podatkowy? is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1405]\" id=\"field_7h7tz-0\" value=\"\"  data-sectionid=\"1421\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1422]\" id=\"field_wep20\" value=\"\"  data-invmsg=\"Section Buttons is invalid\"   \/><input type=\"hidden\" name=\"item_meta[343]\" id=\"field_mqvfe\" value=\"\"  data-invmsg=\"Dalej is invalid\"   \/><input type=\"hidden\" name=\"item_meta[341]\" id=\"field_ccy38\" value=\"\"  data-invmsg=\"Czy Ty lub Twoja firma posiada negatywne wpisy w bazach typu BIK? is invalid\"   \/><input type=\"hidden\" name=\"item_meta[322]\" id=\"field_ymr4xadb5e748af-0\" value=\"\"  data-sectionid=\"341\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"Status sw\u00f3j lub swojej firmy w bazach BIK\/KRD\/BIG okre\u015blam jako: is invalid\"   \/><input type=\"hidden\" name=\"item_meta[342]\" id=\"field_e9mf\" value=\"\"  data-invmsg=\"Section Buttons is invalid\"   \/><input type=\"hidden\" name=\"item_meta[346]\" id=\"field_xeoaz\" value=\"\"  data-invmsg=\"Dalej is invalid\"   \/><input type=\"hidden\" name=\"item_meta[317]\" id=\"field_wku54d87c2fea78\" value=\"\"  data-invmsg=\"Jak mamy si\u0119 z Tob\u0105 skontaktowa\u0107? is invalid\"   \/><input type=\"hidden\" name=\"item_meta[318]\" id=\"field_plt3m935c37e99f\" value=\"\"  data-sectionid=\"317\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" aria-required=\"true\" data-invmsg=\"Tutaj wpisz tylko imi\u0119.\" pattern=\"[^s]+$\"   \/><input type=\"hidden\" name=\"item_meta[1411]\" id=\"field_2nrkq\" value=\"\"  data-sectionid=\"317\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" aria-required=\"true\" data-invmsg=\"Text is invalid\"   \/><input type=\"hidden\" name=\"item_meta[319]\" id=\"field_cfqcz5f07741e8d\" value=\"\"  data-sectionid=\"317\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" aria-required=\"true\" data-invmsg=\"Nr telefonu jest podany niepoprawnie.\"   \/><input type=\"hidden\" name=\"item_meta[320]\" id=\"field_og4gva4be54afcb\" value=\"\"  data-sectionid=\"317\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" aria-required=\"true\" data-invmsg=\"Email jest podany niepoprawnie.\"   \/><input type=\"hidden\" name=\"item_meta[321]\" id=\"field_xxju1d0ee562119\" value=\"\"  data-sectionid=\"317\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" aria-required=\"true\" data-invmsg=\"Nr jest podany niepoprawnie.\" pattern=\"\\d\\d\\d\\d\\d\\d\\d\\d\\d\\d$\"   \/><input type=\"hidden\" name=\"item_meta[1412]\" id=\"field_kg85x\" value=\"\"  data-sectionid=\"317\" data-invmsg=\"Text is invalid\" pattern=\"\\d\\d\\d\\d\\d\\d\\d\\d\\d\\d\\d$\"   \/><input type=\"hidden\" name=\"item_meta[323]\" id=\"field_bosaf1c886bc9d5\" value=\"\"  data-invmsg=\"Section Buttons is invalid\"   \/><input type=\"hidden\" name=\"item_meta[324]\" id=\"field_45aa980f4d8b05c-0\" value=\"\"  data-reqmsg=\"To pole wymaga zaznaczenia.\" data-invmsg=\"Klauzula RODO is invalid\"   \/><input type=\"hidden\" name=\"item_meta[831]\" id=\"field_eei0n\" value=\"\"  data-invmsg=\"Hidden for page title is invalid\"   \/><input type=\"hidden\" name=\"item_key\" value=\"\" \/><div class=\"frm__6562105271e2f\"><label for=\"frm_email_17\" >If you are human, leave this field blank.<\/label><input  id=\"frm_email_17\" type=\"text\" class=\"frm_verify\" name=\"frm__6562105271e2f\" value=\"\" autocomplete=\"false\"  \/><\/div><input name=\"frm_state\" type=\"hidden\" value=\"1aXwvtr3\/MOWX\/ZAvrgrau9RNsEyI5c\/Me+AL4c94b\/77NmjHwauS90VpcwwaJiZ\" \/><div class=\"frm_submit\"><button class=\"frm_button_submit\" type=\"submit\"  >ZAM\u00d3W LEASING<\/button><\/div><\/div><\/fieldset><\/div><\/form><\/div>\n\n<style>.wp-block-kadence-image.kb-image_e6867a-a0:not(.kb-specificity-added):not(.kb-extra-specificity-added){margin-top:10px;}.kb-image_e6867a-a0 .kb-image-has-overlay:after{opacity:0.3;}@media all and (max-width: 767px){.wp-block-kadence-image.kb-image_e6867a-a0:not(.kb-specificity-added):not(.kb-extra-specificity-added){margin-top:10px;}}<\/style>\n<div class=\"wp-block-kadence-image kb-image_e6867a-a0\"><figure class=\"aligncenter size-thumbnail\"><img decoding=\"async\" width=\"150\" height=\"44\" src=\"https:\/\/leasing.sos.pl\/wp-content\/uploads\/Norton-Security-Web-Safe-Approved-and-SSL-Certificate-for-Leasing-SOS-www-portal-150x44.png\" alt=\"Leasingujesz bezpiecznie - Certyfikat SSL oraz Norton Safe Web to potwierdzaj\u0105\" class=\"kb-img wp-image-13442\" title=\"Leasingujesz bezpiecznie - Certyfikat SSL oraz Norton Safe Web potwierdzaj\u0105!\" srcset=\"https:\/\/leasing.sos.pl\/wp-content\/uploads\/Norton-Security-Web-Safe-Approved-and-SSL-Certificate-for-Leasing-SOS-www-portal-150x44.png 150w, https:\/\/leasing.sos.pl\/wp-content\/uploads\/Norton-Security-Web-Safe-Approved-and-SSL-Certificate-for-Leasing-SOS-www-portal-20x6.png 20w, https:\/\/leasing.sos.pl\/wp-content\/uploads\/Norton-Security-Web-Safe-Approved-and-SSL-Certificate-for-Leasing-SOS-www-portal.png 200w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/figure><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id_3e8050-ea > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id_3e8050-ea > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id_3e8050-ea > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id_3e8050-ea > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id_3e8050-ea > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id_3e8050-ea > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id_3e8050-ea alignwide wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column_98fca9-38, .kt-inside-inner-col > .kadence-column_98fca9-38:not(.specificity){margin-top:-15px;}.kadence-column_98fca9-38 > .kt-inside-inner-col,.kadence-column_98fca9-38 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_98fca9-38 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_98fca9-38 > .kt-inside-inner-col{flex-direction:column;}.kadence-column_98fca9-38 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_98fca9-38 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_98fca9-38{position:relative;}@media all and (max-width: 1024px){.kadence-column_98fca9-38 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_98fca9-38 > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column_98fca9-38 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-spacer.kt-block-spacer-_33abc9-0b .kt-block-spacer{height:60px;}.wp-block-kadence-spacer.kt-block-spacer-_33abc9-0b .kt-divider{border-top-width:1px;height:1px;border-top-color:var(--global-palette3, #1A202C);width:80%;border-top-style:solid;}@media all and (max-width: 1024px){.wp-block-kadence-spacer.kt-block-spacer-_33abc9-0b .kt-block-spacer{height:50px!important;}}@media all and (max-width: 767px){.wp-block-kadence-spacer.kt-block-spacer-_33abc9-0b .kt-block-spacer{height:35px!important;}}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-_33abc9-0b\"><div class=\"kt-block-spacer kt-block-spacer-halign-center\"><hr class=\"kt-divider\"\/><\/div><\/div>\n\n\n<div class=\"wp-block-image is-style-default\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"250\" height=\"83\" src=\"https:\/\/leasing.sos.pl\/wp-content\/uploads\/untitled-reusable-block-10\/Fachowcy-od-leasingu-znajda-dla-Ciebie-najlepsza-oferte-sprawdz-i-zaufaj-naszym-doradcom.jpg\" alt=\"Fachowcy od leasingu znajd\u0105 dla Ciebie najlepsz\u0105 ofert\u0119 - sprawd\u017a i zaufaj naszym doradcom\" class=\"wp-image-26917\" title=\"\" srcset=\"https:\/\/leasing.sos.pl\/wp-content\/uploads\/untitled-reusable-block-10\/Fachowcy-od-leasingu-znajda-dla-Ciebie-najlepsza-oferte-sprawdz-i-zaufaj-naszym-doradcom.jpg 250w, https:\/\/leasing.sos.pl\/wp-content\/uploads\/untitled-reusable-block-10\/Fachowcy-od-leasingu-znajda-dla-Ciebie-najlepsza-oferte-sprawdz-i-zaufaj-naszym-doradcom-150x50.jpg 150w\" sizes=\"(max-width: 250px) 100vw, 250px\" \/><\/figure><\/div>\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"2-po-co-ubezpiecza%C4%87-leasing-samochodu-ci%C4%85gnika-naczepy-autobusu-czy-motocykla\">Po co ubezpiecza\u0107 leasing samochodu, ci\u0105gnika, naczepy, autobusu czy motocykla?<\/h2>\n\n\n\n<p>Ubezpieczenie mienia b\u0119d\u0105cego przedmiotem umowy <a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-a-wynajem-dlugoterminowy\/\" target=\"_blank\" aria-label=\"leasingu operacyjnego, w tym najmu d\u0142ugoterminowego (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"rank-math-link\">leasingu operacyjnego, w tym najmu d\u0142ugoterminowego<\/a> le\u017cy w interesie obu stron. Leasingodawc\u0119 zabezpiecza ono na wypadek ewentualnego zniszczenia lub uszkodzenia <a rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/4-kroki-do-leasingu\/przedmiot-leasingu\/\" target=\"_blank\">przedmiotu leasingu<\/a> celem otrzymania rekompensaty za szkod\u0119, gdy taki przypadek zajdzie. Z kolei leasingobiorcy w analogicznym przypadku polisa oszcz\u0119dzi sporo wydatk\u00f3w, gdy\u017c nie musi on naprawia\u0107 czy pokrywa\u0107 koszt\u00f3w zniszczenia leasingowanego przedmiotu z w\u0142asnej kieszeni. Pami\u0119taj\u0105c, \u017ce jednocze\u015bnie musi on przecie\u017c op\u0142aca\u0107 raty w leasingu nawet w\u00f3wczas gdyby dzier\u017cawiony przedmiot by\u0142 niesprawny. Dlatego te\u017c mo\u017cliwo\u015b\u0107 otrzymania odszkodowania jest niezwykle wa\u017cna. Poza obowi\u0105zkowym przy leasingu samochod\u00f3w <strong>ubezpieczeniem OC i AC &#8211; mo\u017cesz je w prosty i szybki spos\u00f3b wyliczy\u0107 i zam\u00f3wi\u0107 <a aria-label=\"tutaj  (opens in a new tab)\" href=\"https:\/\/cuk.pl\/samochod\/kalkulator_oc_i_ac#kod=f23ba9ac4f67127200a7\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"rank-math-link\">tutaj<\/a><\/strong> &#8211; wa\u017cne jest jeszcze <a href=\"https:\/\/leasing.sos.pl\/blog\/ubezpieczenie-gap\/\" class=\"rank-math-link\">ubezpieczenie GAP<\/a>, kt\u00f3re nie jednemu ju\u017c leasingobiorcy \u201euratowa\u0142o kiesze\u0144\u201d. GAP bowiem gwarantuje, \u017ce np. na wypadek kradzie\u017cy otrzymasz wyp\u0142at\u0119 r\u00f3\u017cnicy pomi\u0119dzy warto\u015bci\u0105 fakturow\u0105 wyleasingowanego pojazdu, a warto\u015bci\u0105 rynkow\u0105 tego pojazdu z dnia kradzie\u017cy lub szkody ca\u0142kowitej.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p><strong>Kto otrzyma wyp\u0142at\u0119 z ubezpieczenia GAP?<\/strong><\/p><cite>Wyp\u0142at\u0119 z ubezpieczenia GAP zam\u00f3wionego na leasing.sos.pl otrzymasz <strong>Ty, nie za\u015b Tw\u00f3j leasingodawca<\/strong> czy kredytodawca! Odszkodowanie zasili Tw\u00f3j bud\u017cet, z kt\u00f3rego b\u0119dziesz m\u00f3g\u0142 np. zakupi\u0107 nowy pojazd lub sp\u0142aci\u0107 pozosta\u0142e nale\u017cno\u015bci leasingowe.<br>Pami\u0119taj, \u017ce pu\u0142apk\u0105 w GAP doliczanym do rat leasingu jest nie tylko wysoka cena GAP-u oferowana przez banki i firmy leasingowe ale fakt, \u017ce za Twoje pieni\u0105dze leasingodawca ubezpiecza w\u0142asny pojazd, kt\u00f3ry przecie\u017c oddaje Tobie w leasing, ewentualnie w kredyt.<\/cite><\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3-jak-ubezpieczy%C4%87-auto-ci%C4%85gnik-naczep%C4%99-lub-motocykl-w-leasingu-\">Jak ubezpieczy\u0107 auto, ci\u0105gnik, naczep\u0119 lub <a rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/blog\/motocykle-quady-skutery-w-leasing-na-firme\/\" target=\"_blank\">motocykl w leasingu<\/a>?<\/h2>\n\n\n\n<p>Firma leasingowa, b\u0119d\u0105c w\u0142a\u015bcicielem przedmiotu leasingu, mo\u017ce dyktowa\u0107 warunki jego ubezpieczenia, tote\u017c decyduj\u0105c si\u0119 na leasing nale\u017cy wykupi\u0107 ubezpieczenie leasingu spe\u0142niaj\u0105ce konkretne, wskazane przez leasingodawc\u0119 wymagania. Warto to wiedzie\u0107 przed podpisaniem <a rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/blog\/protokol-zdawczo-odbiorczy-przy-leasingu\/\" target=\"_blank\">protoko\u0142u zdawczo-odbiorczego leasingowanego przedmiotu<\/a>.<\/p>\n\n\n\n<p>Co do zasady mamy dwie g\u0142\u00f3wne opcje zawarcia umowy ubezpieczenia:<\/p>\n\n\n\n<ol><li>u leasingodawcy;<\/li><li>u zewn\u0119trznego agenta.<\/li><\/ol>\n\n\n\n<p>Wariant pierwszy jest obecnie powszechnie dost\u0119pny, bowiem firmy czy <a rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/blog\/gdzie-leasing\/\" target=\"_blank\" class=\"rank-math-link\">brokerzy leasingowi<\/a> niemal zawsze proponuj\u0105 zawarcie umowy ubezpieczenia wraz z umow\u0105 w leasingu. Jest to niew\u0105tpliwie wygodne dla leasingobiorcy a mo\u017ce okaza\u0107 si\u0119 te\u017c bardziej korzystne ni\u017c wariant drugi, cho\u0107 nie zawsze. Wygodne \u2013 bo za\u0142atwia wszystko w jednym miejscu i za jednym zamachem; Korzystne \u2013 bo z regu\u0142y dzi\u0119ki umowom mi\u0119dzy firmami leasingowymi a ubezpieczycielami sk\u0142adka za polis\u0119 mo\u017ce by\u0107 ni\u017csza ni\u017c ta jak\u0105 otrzyma\u0142by bezpo\u015brednio u ubezpieczyciela. Warto jednak sprawdzi\u0107 cen\u0119 u zewn\u0119trznego agenta. Np. na naszym portalu udost\u0119pniamy <a href=\"https:\/\/leasing.sos.pl\/kalkulator-ubezpieczenia-gap-warunki\/\" class=\"rank-math-link\">kalkulator ubezpieczenia GAP<\/a>, kt\u00f3ry wylicza bardzo konkurencyjne ceny sk\u0142adek GAP w stosunku do tych, oferowanych w pakietach przez najwi\u0119kszych leasingodawc\u00f3w.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p><strong>Jak ustali\u0107 ubezpieczenie na koniec leasingu?<\/strong><\/p><cite>Staraj si\u0119 ustala\u0107 <strong>ilo\u015b\u0107 rat o 1 lub 2 miesi\u0105ce mniejsz\u0105 <\/strong>ni\u017c wynika\u0142oby to z przeliczenia miesi\u0119cy dla pe\u0142nego roku. <strong>Np. je\u015bli planujesz leasing na 4 lata a wi\u0119c na 48 miesi\u0119cy zastan\u00f3w si\u0119 czy nie lepiej b\u0119dzie zdecydowa\u0107 si\u0119 na leasing na 47 lub nawet 46 miesi\u0119cy.<\/strong> Dlaczego?<br>Ubezpieczenia z regu\u0142y zawierane s\u0105 na okresy pe\u0142nych 12 miesi\u0119cy. Zatem, je\u015bli umowa leasingu sko\u0144czy si\u0119 w 47 miesi\u0119cy pozostaniesz z przedmiotem leasingu ubezpieczonym jeszcze przez 1 miesi\u0105c i b\u0119dziesz m\u00f3g\u0142 wtedy zacz\u0105\u0107 spokojnie szuka\u0107 ubezpieczenia (na czas po jego wykupie) w zakresie, kt\u00f3ry Tobie odpowiada a nie Twojemu leasingodawcy.<\/cite><\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-cz%C4%99sto-klienci-maj%C4%85-swoich-ubezpieczycieli-z-kt%C3%B3rymi-wsp%C3%B3%C5%82pracuj%C4%85-od-lat-co-wtedy\">Cz\u0119sto klienci maj\u0105 &#8222;swoich&#8221; ubezpieczycieli, z kt\u00f3rymi wsp\u00f3\u0142pracuj\u0105 od lat &#8211; co wtedy?<\/h3>\n\n\n\n<p>Je\u015bli jednak leasingobiorca ma du\u017ce zni\u017cki na ubezpieczenie, zw\u0142aszcza na ubezpieczenie komunikacyjne, to zdecydowanie warto por\u00f3wna\u0107 koszty ubezpieczenia oferowane przez firm\u0119 leasingow\u0105 z kosztami jakie ubezpieczyciel mo\u017ce zaproponowa\u0107 bezpo\u015brednio. W przypadku posiadania du\u017cych zni\u017cek, np. za dotychczasowe lata bezszkodowej jazdy, najprawdopodobniej oferta na rynku oka\u017ce si\u0119 bardziej atrakcyjna od oferty leasingodawcy. R\u00f3\u017cnica w cenie&nbsp;ubezpieczenia u\u017cywanego samochodu&nbsp;o warto\u015bci 70-80 tys. z\u0142 potrafi si\u0119gn\u0105\u0107 nawet 2 tys. z\u0142, dlatego warto dokona\u0107 por\u00f3wnania, a nast\u0119pnie ponawia\u0107 je co roku przed ko\u0144cem polisy.<\/p>\n\n\n\n<p>Je\u015bli leasingobiorca uzna, \u017ce chce ubezpieczy\u0107 <a href=\"https:\/\/leasing.sos.pl\/4-kroki-do-leasingu\/przedmiot-leasingu\/\" target=\"_blank\" rel=\"noopener noreferrer\">przedmiot leasingu<\/a> sam, na korzystniejszych warunkach ni\u017c oferowane przez firmy leasingowe, to powinien si\u0119 liczy\u0107 z potencjalnym dodatkowym kosztem: tzw. odst\u0119pstwem. Trzeba go dodatkowo zap\u0142aci\u0107 firmie leasingowej, ale nie jest to wysoka kwota. Na og\u00f3\u0142 jest niewsp\u00f3\u0142miernie ni\u017csza od osi\u0105gni\u0119tych w ten spos\u00f3b oszcz\u0119dno\u015bci. To dobre i coraz powszechniejsze rozwi\u0105zanie, pozwalaj\u0105ce na coraz wi\u0119ksze obni\u017canie koszt\u00f3w firmowych <a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-operacyjny-dlaczego\/\" target=\"_blank\" rel=\"noopener noreferrer\">dzi\u0119ki leasingowi operacyjnemu<\/a>, kt\u00f3ry zapewnia spore oszcz\u0119dno\u015bci podatkowe sam w sobie.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"5-co-z-leasingiem-maszyn-budowlanych-leasingiem-maszyn-le%C5%9Bnych-czy-rolniczych-i-ich-ubezpieczeniem\">Co z <a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-maszyn-budowlanych\/\" data-type=\"post\" data-id=\"686\">leasingiem maszyn budowlanych<\/a>, <a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-maszyn-rolniczych\/\" target=\"_blank\" rel=\"noopener noreferrer\">leasingiem maszyn le\u015bnych czy rolniczych<\/a> i ich ubezpieczeniem?<\/h2>\n\n\n\n<p>W przypadku maszyn&nbsp;r\u00f3\u017cnego typu &#8211; zar\u00f3wno budowlanych czy le\u015bnych, jak i tych bardziej zaawansowanych np. <a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-maszyn-do-produkcji-tworzyw-sztucznych\/\" data-type=\"post\" data-id=\"22028\">maszyn do produkcji plastiku<\/a> &#8211; sprawa ubezpieczenia ma si\u0119 jedynie odrobin\u0119 inaczej i tak\u017ce istniej\u0105 dwie opcje:<\/p>\n\n\n\n<ol><li>umowa ubezpieczenia generalnego pomi\u0119dzy ubezpieczycielem a leasingodawc\u0105;<\/li><li>umowa ubezpieczenia indywidualnego dla leasingowanej maszyny przez leasingobiorc\u0119.<\/li><\/ol>\n\n\n\n<p>Pierwszy wariant jest rozwi\u0105zaniem spotykanym najcz\u0119\u015bciej i bodaj najwygodniejszym dla obu stron. Polega on na tym, \u017ce leasingodawca jest jednocze\u015bnie ubezpieczaj\u0105cym i ubezpieczonym, za\u015b leasingobiorca nie jest w og\u00f3le stron\u0105 umowy ubezpieczenia przedmiotu leasingu! Jest jednak zobowi\u0105zany jest do przestrzegania obowi\u0105zk\u00f3w, jakie umowa ubezpieczenia do leasingu na niego nak\u0142ada, gdy\u017c jest korzystaj\u0105cym z przedmiotu w leasingu na mocy <a href=\"https:\/\/leasing.sos.pl\/4-kroki-do-leasingu\/umowa-leasingu\/\" target=\"_blank\" rel=\"noopener noreferrer\">umowy leasingu operacyjnego<\/a>.<\/p>\n\n\n\n<p>Drugim wariantem jest ubezpieczenie indywidualne, czyli opisywany wcze\u015bniej wyb\u00f3r ubezpieczenia na rynku otwartym: bezpo\u015brednio u ubezpieczyciela b\u0105d\u017a agenta. Leasingobiorca zobowi\u0105zany jest w\u00f3wczas do samodzielnego podpisania polisy (z wybranym towarzystwem ubezpieczeniowym lub agentem) o takim zakresie jaki jest wymagany przez leasingodawc\u0119. W przypadku leasingowanych maszyn s\u0105 to najcz\u0119\u015bciej tzw. ubezpieczenia All risk. Obejmuje ono wszystkie rodzaje ryzyka w jednej polisie: mienie, sprz\u0119t elektroniczny, szkody zewn\u0119trzne i wewn\u0119trzne, b\u0142\u0105d operatora, awari\u0119 maszyn itd., a nierzadko tak\u017ce pokrycie koszt\u00f3w sprzeniewierzenia czy kradzie\u017cy <a href=\"https:\/\/leasing.sos.pl\/blog\/dlaczego-leasing-maszyn-urzadzen-produkcyjnych-narzedzi-specjalistycznych-i-linii-technologicznych\/\" target=\"_blank\" rel=\"noopener noreferrer\">leasingowanej maszyny lub urz\u0105dzenia<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"6-podsumowanie-kluczowych-kwestii-w-ubezpieczeniu-leasingu\">Podsumowanie kluczowych kwestii w ubezpieczeniu leasingu<\/h2>\n\n\n\n<ul><li>Przedmiot leasingu musi by\u0107 zawsze ubezpieczony i to osobno tj. r\u00f3wnie\u017c w sytuacji gdy leasingobiorca posiada sk\u0142adniki maj\u0105tku firmowego ubezpieczone w ramach odr\u0119bnej polisy firmowej.<\/li><li>Ubezpieczenie leasingu maszyn czy <a rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/auto-leasing\/\" target=\"_blank\">wyleasingowanego samochodu<\/a> musi obejmowa\u0107 pe\u0142en zakres ryzyk.<\/li><li>Ubezpieczenie przy leasingu&nbsp;to dodatkowy koszt, kt\u00f3ry zwykle nie jest uj\u0119ty w ofercie leasingu. Nale\u017cy jednak o nim pami\u0119ta\u0107 i si\u0119 z nim liczy\u0107: im d\u0142u\u017cszy leasing na samoch\u00f3d czy maszyn\u0119, tym wi\u0119kszy koszt ubezpieczenia.<\/li><li>Przedmiot leasingu mo\u017cna ubezpieczy\u0107 u leasingodawcy lub we w\u0142asnym zakresie. W przypadku ubezpieczenia zewn\u0119trznego leasingodawcy pobieraj\u0105 (cho\u0107 nie ma tu regu\u0142y) op\u0142at\u0119 ok. 200-300 z\u0142 netto rocznie.<\/li><li>Ubezpieczenie leasingodawcy mo\u017cna op\u0142aci\u0107 jednorazowo lub w ratach leasingu. Za ubezpieczenia zewn\u0119trzne p\u0142aci si\u0119 jednorazowo lub w wybranych ratach (kwartalnych, p\u00f3\u0142rocznych).<\/li><\/ul>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-color has-background\" style=\"border-radius:2px;background-color:#ff4530;color:#fffffa\" rel=\"https:\/\/cuk.pl\/samochod\/kalkulator_oc_i_ac#kod=f23ba9ac4f67127200a7\">Zam\u00f3w tanie ubezpieczenie OC i AC<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline\"><a class=\"wp-block-button__link has-text-color\" style=\"border-radius:2px;color:#ff4530\" rel=\"https:\/\/leasing.sos.pl\/kalkulator-ubezpieczenia-gap-warunki\/\">Zam\u00f3w tanie ubezpieczenie GAP<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:70px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Tutaj zam\u00f3wisz ubezpieczenie GAP do leasingu w 7 sek. Po wybraniu ceny i interesuj\u0105cej Ci\u0119 polisy na GAP czekaj na nasz kontakt &#8211; zam\u00f3wienie zrealizujemy online. Ubezpieczenie w leasingu samochodu firmowego, motocykla, ci\u0105gnika siod\u0142owego, naczepy, autobusu, maszyny&#8230; Leasing postrzegany jest zazwyczaj jako opcja bardziej op\u0142acalna od kredytu bankowego, gdy\u017c jest korzystniejszy finansowo i podatkowo. Przez&#8230;<\/p>\n","protected":false},"author":2,"featured_media":12932,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_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,"footnotes":""},"categories":[1,15,17],"tags":[],"taxonomy_info":{"category":[{"value":1,"label":"Koszty"},{"value":15,"label":"Podstawy leasingu"},{"value":17,"label":"Ubezpieczenia"}]},"featured_image_src_large":["https:\/\/leasing.sos.pl\/wp-content\/uploads\/ubezpieczenie-w-leasingu\/Ubezpieczenie-w-leasingu-dlaczego-potrzebne.jpg",1024,386,false],"author_info":{"display_name":"Adam Drzas","author_link":"https:\/\/leasing.sos.pl\/autor\/adam\/"},"comment_info":0,"category_info":[{"term_id":1,"name":"Koszty","slug":"koszty","term_group":0,"term_taxonomy_id":1,"taxonomy":"category","description":"","parent":0,"count":9,"filter":"raw","cat_ID":1,"category_count":9,"category_description":"","cat_name":"Koszty","category_nicename":"koszty","category_parent":0},{"term_id":15,"name":"Podstawy leasingu","slug":"podstawy-leasingu","term_group":0,"term_taxonomy_id":15,"taxonomy":"category","description":"","parent":0,"count":24,"filter":"raw","cat_ID":15,"category_count":24,"category_description":"","cat_name":"Podstawy leasingu","category_nicename":"podstawy-leasingu","category_parent":0},{"term_id":17,"name":"Ubezpieczenia","slug":"ubezpieczenia","term_group":0,"term_taxonomy_id":17,"taxonomy":"category","description":"","parent":0,"count":4,"filter":"raw","cat_ID":17,"category_count":4,"category_description":"","cat_name":"Ubezpieczenia","category_nicename":"ubezpieczenia","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/posts\/1924"}],"collection":[{"href":"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/comments?post=1924"}],"version-history":[{"count":0,"href":"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/posts\/1924\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/media\/12932"}],"wp:attachment":[{"href":"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/media?parent=1924"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/categories?post=1924"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/tags?post=1924"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}