Rizikový sport lze připojistit.

Lze means something like it is possible, one can, or can be.

In this sentence, lze připojistit means can be additionally insured or it is possible to add insurance for.

A very common pattern is:

• lze + infinitive = it is possible to do something

Examples:

• To lze udělat. = That can be done.
• Lze to koupit online. = It can be bought online.

Lze is fairly neutral to formal in style. In everyday speech, people might sometimes prefer other ways of saying the same thing.

Because Czech often uses impersonal constructions when the subject is general or unspecified.

Compare:

• Rizikový sport lze připojistit. = Risky sports can be additionally insured.
• Rizikový sport se dá připojistit. = Risky sports can be additionally insured.
• Je možné připojistit rizikový sport. = It is possible to additionally insure risky sports.

If you used může, you would usually need a clearer subject:

• Pojišťovna může připojistit rizikový sport. = The insurance company can additionally insure risky sports.

So lze is useful when English would often use a passive-style sentence such as can be insured.

Připojistit means to insure additionally, to add insurance coverage, or to extend insurance to include something extra.

It is built from:

• pojistit = to insure
• připojistit = to add insurance for, to insure as an extra

In insurance language, this often means something is not automatically included in the basic policy, but you can add it on.

So here the idea is that a risky sport is not necessarily part of standard insurance, but it can be covered for an extra fee or as an extra option.

Not necessarily. In Czech, just like in English, the singular can be used generically.

So Rizikový sport can mean:

• a risky sport in general
• the category of risky sport
• risky-sport coverage as a type of thing

This is similar to English sentences like:

• A dog is a loyal animal.
• Smoking is dangerous.

Even though the noun is singular, the meaning can be general.

In context, an insurance company might use rizikový sport as a category label, not as one specific sport.

It is in the accusative, because it is the object of připojistit.

The infinitive připojistit takes a direct object:

• připojistit co? = insure what additionally?

Answer:

• rizikový sport

For a masculine inanimate noun like sport, the accusative singular looks the same as the nominative singular:

• nominative: sport
• accusative: sport

The adjective also has the same form here:

• nominative masculine inanimate singular: rizikový
• accusative masculine inanimate singular: rizikový

So the form does not visibly change, even though the grammatical case is accusative.

Because the adjective has to agree with sport.

Sport is:

• masculine
• inanimate
• singular

So the adjective must also be:

• masculine
• inanimate
• singular

That gives the form rizikový.

A few comparisons:

• rizikový sport = risky sport
• riziková aktivita = risky activity
• rizikové sporty = risky sports

This is standard Czech adjective agreement.

It behaves a bit like an English passive in meaning, but grammatically it is not a typical Czech passive.

English often says:

• Risky sport can be additionally insured.

Czech here uses an impersonal modal construction:

• lze + infinitive

So rather than a true passive like je pojištěn, the sentence means:

• it is possible to additionally insure risky sport

A more clearly passive-like version would be less natural in this context.

So the best way to think about it is:

• English passive meaning
• but Czech impersonal structure

Yes. Czech word order is flexible, and different orders can sound more or less natural depending on emphasis.

The given sentence:

• Rizikový sport lze připojistit.

puts rizikový sport first, so it sounds like the topic is risky sport.

You could also say:

• Lze připojistit rizikový sport.

This is also correct and may sound a bit more neutral in some contexts.

Very roughly:

• Rizikový sport lze připojistit. = As for risky sport, it can be additionally insured.
• Lze připojistit rizikový sport. = It is possible to additionally insure risky sport.

Both are grammatical.

Yes, lze is somewhat more formal or written than the most everyday spoken alternatives.

In conversation, people often use:

• dá se
• je možné

For example:

• Rizikový sport se dá připojistit.
• Je možné připojistit rizikový sport.

But lze is very common in:

• official texts
• instructions
• advertisements
• contracts
• insurance language

So in an insurance-related sentence, lze sounds completely natural.

Approximately:

• RIZ-ik-oh-vee sport lze przhee-POY-istit

A few useful notes:

• ř in připojistit is the famous Czech sound that English does not have.
• lze is pronounced roughly like l-ze, with both consonants heard.
• Stress in Czech is normally on the first syllable of each word:
  • RIzikový
  • sport
  • lze
  • připojistit

If ř is difficult, that is completely normal for learners. It takes practice.

Připojistit is perfective. In a sentence like this, the perfective infinitive is natural because it refers to a complete action: adding insurance coverage.

The imperfective counterpart would be something like:

• připojišťovat

But that would usually suggest an ongoing, repeated, or habitual process, which is not what this sentence is focusing on.

Compare:

• lze připojistit = it is possible to add coverage
• lze připojišťovat = it is possible to keep adding / add repeatedly

In insurance language, the perfective verb is the normal choice when talking about whether an extra type of coverage can be added.