{"id":542472,"date":"2022-08-17T17:16:00","date_gmt":"2022-08-17T15:16:00","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=542472"},"modified":"2022-08-17T17:16:00","modified_gmt":"2022-08-17T15:16:00","slug":"sigurimet-motorike-perqindja-e-demeve-eshte-me-e-ulet-ne-shkoder-dhe-berat-me-e-larte-ne-tirane-dhe-durres","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2022\/08\/17\/sigurimet-motorike-perqindja-e-demeve-eshte-me-e-ulet-ne-shkoder-dhe-berat-me-e-larte-ne-tirane-dhe-durres\/","title":{"rendered":"Sigurimet motorike: p\u00ebrqindja e d\u00ebmeve \u00ebsht\u00eb m\u00eb e ul\u00ebt n\u00eb Shkod\u00ebr dhe Berat, m\u00eb e lart\u00eb n\u00eb Tiran\u00eb dhe Durr\u00ebs","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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

Qarku i Shkodr\u00ebs sh\u00ebnoi vitin e kaluar numrin m\u00eb t\u00eb ul\u00ebt t\u00eb d\u00ebmeve n\u00eb raport me numrin e kontratave t\u00eb sigurimit t\u00eb detyuesh\u00ebm motorik t\u00eb lidhura.<\/span><\/p>\n

T\u00eb dh\u00ebnat e Autoritetit t\u00eb Mbik\u00ebqyrjes Financiare (AMF) tregojn\u00eb se vitin e kaluar qarku i Shkodr\u00ebs kishte raportin m\u00eb t\u00eb ul\u00ebt mes numrit t\u00eb d\u00ebmeve dhe numrit t\u00eb kontratave n\u00eb sigurimin e detyruesh\u00ebm motorik, me 1.16 d\u00ebme p\u00ebr \u00e7do 100 kontrata t\u00eb sigurimit TPL.<\/span><\/p>\n

Pas Shkodr\u00ebs, vijon Qarku i Beratit ku raporti mes numrit t\u00eb d\u00ebmeve dhe kontratave \u00ebsht\u00eb 1.56%. K\u00ebta dy qarqe kishin p\u00ebrqindjen m\u00eb t\u00eb ul\u00ebt t\u00eb d\u00ebmeve n\u00eb raport me numrin e kontratave TPL t\u00eb n\u00ebnshkruara edhe p\u00ebr vitin 2020. Kjo tregon se nga gjasat q\u00eb kompania e sigurimit t\u00eb p\u00ebsoj\u00eb nj\u00eb d\u00ebm n\u00eb k\u00ebto qarqe paraqitet ndjesh\u00ebm m\u00eb e ul\u00ebt krahasuar me qarqet e tjera. Pas Shkodr\u00ebs dhe Beratit, vijn\u00eb qarqet e Dibr\u00ebs dhe t\u00eb Fierit, me af\u00ebrsisht 1.77 d\u00ebme t\u00eb raportuara p\u00ebr \u00e7do 100 kontrata sigurimi t\u00eb n\u00ebnshkruara.<\/span><\/p>\n

N\u00eb maj\u00eb t\u00eb renditjes p\u00ebr raportin mes numrit t\u00eb d\u00ebmeve dhe kontratave, edhe p\u00ebr vitin 2021 renditet Qarku i Tiran\u00ebs, me 3.29%, i ndjekur nga ai i Durr\u00ebsit me 3.09% dhe i Kor\u00e7\u00ebs me 2.69%.<\/span><\/p>\n

Vitin e kaluar raporti mes numrit t\u00eb d\u00ebmeve dhe numrit t\u00eb kontratave t\u00eb sigurimit TPL p\u00ebsoi nj\u00eb rritje t\u00eb ndjeshme n\u00eb 2.69%, nga 2.16% q\u00eb kishte qen\u00eb p\u00ebr vitin 2020. Kjo shpjegohet kryesisht me faktin se viti 2020 pati kufizime t\u00eb ndjeshme t\u00eb l\u00ebvizjes s\u00eb mjeteve, sidomos gjat\u00eb val\u00ebs s\u00eb par\u00eb t\u00eb pandemis\u00eb. Kjo ndikoi edhe n\u00eb numrin e d\u00ebmeve motorike t\u00eb regjistruara gjat\u00eb vitit. Viti 2021 ishte nj\u00eb vit normal p\u00ebr sa i takon l\u00ebvizjeve dhe raporti mes numrit t\u00eb d\u00ebmeve dhe numrit t\u00eb kontratave n\u00eb sigurime u rrit s\u00ebrish, madje duke kaluar edhe nivelet e vitit 2019.<\/span><\/p>\n

T\u00eb dh\u00ebna e tregut t\u00eb sigurimeve n\u00eb nivel t\u00eb qarqeve tregojn\u00eb se, statistikisht, rreziku p\u00ebr t\u00eb p\u00ebsuar nj\u00eb d\u00ebm n\u00eb Tiran\u00eb dhe Durr\u00ebs \u00ebsht\u00eb m\u00eb i lart\u00eb se n\u00eb Berat apo Shkod\u00ebr.<\/span><\/p>\n

N\u00ebse vler\u00ebsimi b\u00ebhet sipas raportit t\u00eb thjesht\u00eb aritmetik mes vler\u00ebs s\u00eb d\u00ebmeve dhe primeve, raporti m\u00eb i lart\u00eb mes d\u00ebmeve dhe primeve regjistrohet n\u00eb qarkun e Lezh\u00ebs, me 35% dhe n\u00eb at\u00eb t\u00eb Tiran\u00eb, me 32%. Nivelet m\u00eb t\u00eb ul\u00ebt sh\u00ebnohen n\u00eb Vlor\u00eb, me 15.9%, n\u00eb Berat, me 18% dhe n\u00eb Shkod\u00ebr, me 18.2%. Raporti n\u00eb vler\u00eb lidhet shum\u00eb me mas\u00ebn e d\u00ebmit t\u00eb shkaktuar nga aksidentet motorike dhe sidomos me d\u00ebmtimet n\u00eb njer\u00ebz, q\u00eb sjellin edhe kostot m\u00eb t\u00eb madhe n\u00eb d\u00ebme t\u00eb paguara nga siguruesit.<\/span><\/p>\n

Drejtuesit e mjeteve n\u00eb Shqip\u00ebri ende paguajn\u00eb prime sigurimi t\u00eb nj\u00ebjta, megjith\u00ebse mund t\u00eb ken\u00eb shkall\u00eb t\u00eb ndryshme rreziku, t\u00eb lidhura me disa faktor\u00eb. M\u00eb kryesori \u00ebsht\u00eb historiku i d\u00ebmeve, por faktor\u00eb t\u00eb tjer\u00eb mund t\u00eb jen\u00eb edhe eksperienca n\u00eb drejtimin e mjeteve, vendbanimi dhe zona ku mjeti qarkullon etj. N\u00eb dhjetor t\u00eb vitit t\u00eb kaluar, AMF publikoi nj\u00eb projektrregullore q\u00eb parashikonte se drejtuesit e mjeteve do t\u00eb paguajn\u00eb p\u00ebr sigurimin e detyruesh\u00ebm t\u00eb mjeteve do t\u00eb diferencohen bazuar n\u00eb faktor\u00ebt q\u00eb ndikojn\u00eb n\u00eb rrezikun p\u00ebr t\u00eb shkaktuar d\u00ebme.<\/span><\/p>\n

N\u00eb projektrregulloren \u201cP\u00ebr p\u00ebrcaktimin e nivelit t\u00eb provigjoneve teknike dhe t\u00eb faktor\u00ebve t\u00eb riskut p\u00ebr produktet e sigurimit t\u00eb detyruesh\u00ebm n\u00eb sektorin e transportit\u201d, Autoriteti i Mbik\u00ebqyrjes Financiare (AMF) ka p\u00ebrcaktuar nj\u00eb list\u00eb t\u00eb faktor\u00ebve t\u00eb riskut q\u00eb kompanit\u00eb e sigurimeve duket t\u00eb p\u00ebrdorin p\u00ebr t\u00eb llogaritur primet q\u00eb drejtuesit duhet t\u00eb paguajn\u00eb p\u00ebr t\u00eb siguruar mjetet e tyre.<\/span><\/p>\n

Faktor\u00ebt e propozuar nga AMF jan\u00eb mosha e mjetit, fuqia motorike, qarku ku \u00ebsht\u00eb regjistruar mjeti motorik, burimi i energjis\u00eb s\u00eb mjetit (elektrike apo jo elektrike), mosha e t\u00eb siguruarit dhe eksperienca n\u00eb drejtimin e automjetit.<\/span><\/p>\n

Faktor\u00eb t\u00eb tjer\u00eb q\u00eb rekomandohen t\u00eb zbatohen nga shoq\u00ebrit\u00eb e sigurimit jan\u00eb Bonus-Malus (historiku i d\u00ebmeve), q\u00ebllimi i p\u00ebrdorimit t\u00eb automjetit, distanca vjetore e p\u00ebrshkruar si dhe faktor\u00eb t\u00eb tjer\u00eb t\u00eb riskut q\u00eb b\u00ebjn\u00eb t\u00eb mundur diferencimin e primit n\u00eb baz\u00eb t\u00eb riskut q\u00eb mbart i siguruari. Projektrregullorja p\u00ebrcakton disa k\u00ebrkesa shtes\u00eb edhe n\u00eb drejtim t\u00eb transparenc\u00ebs.<\/span><\/p>\n

Shoq\u00ebria e sigurimit duhet t\u00eb publikoj\u00eb primet e rrezikut, koeficient\u00ebt e faktor\u00ebve t\u00eb riskut (shoq\u00ebruar me raste t\u00eb zbatimit t\u00eb tyre n\u00eb praktik\u00eb), si dhe primet (\u00e7mimet) e sigurimit t\u00eb detyruesh\u00ebm, n\u00eb faqen e saj t\u00eb internetit dhe t\u2019i mbaj\u00eb ato t\u00eb afishuara n\u00eb faqe gjat\u00eb gjith\u00eb periudh\u00ebs s\u00eb zbatimit.<\/span><\/p>\n

Megjithat\u00eb, projektrregullorja n\u00eb fjal\u00eb nuk \u00ebsht\u00eb miratuar ende nga Bordi i AMF-s\u00eb.<\/span><\/p>\n

VINI RE:<\/span> Ky artikull \u00ebsht\u00eb pron\u00eb intelektuale e Monitor.al<\/a><\/span><\/span><\/strong><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Qarku i Shkodr\u00ebs sh\u00ebnoi vitin e kaluar numrin m\u00eb t\u00eb ul\u00ebt t\u00eb d\u00ebmeve n\u00eb raport me numrin e kontratave t\u00eb sigurimit t\u00eb detyuesh\u00ebm motorik t\u00eb lidhura. T\u00eb dh\u00ebnat e Autoritetit t\u00eb Mbik\u00ebqyrjes Financiare (AMF) tregojn\u00eb se vitin e kaluar qarku i Shkodr\u00ebs kishte raportin m\u00eb t\u00eb ul\u00ebt mes numrit t\u00eb d\u00ebmeve dhe numrit t\u00eb kontratave […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":30,"featured_media":542473,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65,13],"tags":[],"class_list":["post-542472","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lajme","category-te-fundit"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/542472","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/users\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=542472"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/542472\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/542473"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=542472"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=542472"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=542472"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}