{"id":556071,"date":"2022-10-19T10:28:57","date_gmt":"2022-10-19T08:28:57","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=556071"},"modified":"2022-10-19T10:28:57","modified_gmt":"2022-10-19T08:28:57","slug":"fitimi-i-kompanive-nga-sigurimi-i-detyrueshem-i-mjeteve-ra-me-63-vitin-e-kaluar","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2022\/10\/19\/fitimi-i-kompanive-nga-sigurimi-i-detyrueshem-i-mjeteve-ra-me-63-vitin-e-kaluar\/","title":{"rendered":"Fitimi i kompanive nga sigurimi i detyruesh\u00ebm i mjeteve ra me 63% vitin e kaluar","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Fitimi i kompanive nga sigurimi i detyruesh\u00ebm motorik p\u00ebr p\u00ebrgjegj\u00ebsit\u00eb ndaj pal\u00ebve t\u00eb treta (TPL) vitin e kaluar preku nivelin m\u00eb t\u00eb ul\u00ebt t\u00eb pes\u00eb viteve t\u00eb fundit. <\/span><\/p>\n

T\u00eb dh\u00ebnat e raportit t\u00eb Mbik\u00ebqyrjes nga Autoriteti i Mbik\u00ebqyrjes Financiare (AMF) tregojn\u00eb se bilanci i llogaris\u00eb teknike p\u00ebr produktin e brendsh\u00ebm TPL ishte pozitiv n\u00eb vler\u00ebn e 308 milion\u00eb lek\u00ebve, por n\u00eb r\u00ebnie me 63.5% krahasuar me vitin 2020.<\/span><\/p>\n

Efektin kryesor n\u00eb k\u00ebt\u00eb r\u00ebnie e ka dh\u00ebn\u00eb rritja e d\u00ebmeve t\u00eb paguara nga kompanit\u00eb e sigurimit. P\u00ebr vitin 2021, d\u00ebmet e paguara neto p\u00ebr produktin e brendsh\u00ebm TPL arrit\u00ebn n\u00eb rreth 2.95 miliard\u00eb lek\u00eb, n\u00eb rritje me 31.7% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Paralelisht, nj\u00eb efekt negativ dha rritja e shpenzimeve t\u00eb marrjes n\u00eb sigurim dhe t\u00eb shpenzimeve administrative t\u00eb lidhura me k\u00ebt\u00eb produkt. Nd\u00ebrkoh\u00eb, primi i fituar nga ky produkt u rrit me ritme ndjesh\u00ebm m\u00eb t\u00eb ul\u00ebta, 7.1% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Rritja e ndjeshme e d\u00ebmeve krahasuar me vitin 2020 mund t\u00eb jet\u00eb kryesisht e lidhur me shp\u00ebrthimin e pandemis\u00eb dhe kufizimet e l\u00ebvizjes q\u00eb synonin t\u00eb frenonin p\u00ebrhapjen e Covid-19, sidomos gjat\u00eb tremujorit t\u00eb dyt\u00eb t\u00eb vitit. Kufizimi i l\u00ebvizjes solli edhe r\u00ebnie t\u00eb numrit t\u00eb aksidenteve dhe rrjedhimisht edhe t\u00eb d\u00ebmeve t\u00eb paguara nga siguruesit.<\/span><\/p>\n

Sigurimi i detyruesh\u00ebm p\u00ebr p\u00ebrgjegj\u00ebsit\u00eb ndaj pal\u00ebve t\u00eb treta p\u00ebrb\u00ebn edhe produktin m\u00eb t\u00eb r\u00ebnd\u00ebsish\u00ebm t\u00eb tregut t\u00eb sigurimeve t\u00eb Jo-Jet\u00ebs n\u00eb Shqip\u00ebri, me pothuajse 57% t\u00eb primeve t\u00eb shkruara bruto p\u00ebr 2021. <\/span><\/p>\n

P\u00ebr k\u00ebt\u00eb arsye, r\u00ebnia e fitimit nga ky produkt ka ndikuar ndjesh\u00ebm n\u00eb rezultatin financiar t\u00eb tregut t\u00eb sigurimeve. Sipas statistikave t\u00eb AMF, vitin e kaluar fitimi neto i tregut t\u00eb sigurimeve t\u00eb Jo-Jet\u00ebs ra me 47% krahasuar me vitin 2020.<\/span><\/p>\n

Megjith\u00eb r\u00ebnien e ndjeshme t\u00eb fitimit nga sigurimi TPL n\u00eb 2021, statistikat tregojn\u00eb se ky produkt n\u00eb nivel tregu ka qen\u00eb n\u00eb vazhdim\u00ebsi fitimprur\u00ebs, madje edhe n\u00eb kushtet kur kompanit\u00eb e sigurimeve kan\u00eb mbajtur nivele shum\u00eb t\u00eb larta t\u00eb shpenzimeve t\u00eb marrjes n\u00eb sigurim. <\/span><\/p>\n

Shpenzimet e marrjes n\u00eb sigurim arrit\u00ebn n\u00eb 3.3 miliard\u00eb lek\u00eb, 9.7% m\u00eb shum\u00eb krahasuar me nj\u00eb vit m\u00eb par\u00eb. Raporti i shpenzime t\u00eb marrjes n\u00eb sigurim p\u00ebr vitin 2021 arriti n\u00eb 36.9%, n\u00eb rritje t\u00eb m\u00ebtejshme nga niveli prej 35.2% i vitit 2020.<\/span><\/p>\n

Megjithat\u00eb, k\u00ebt\u00eb vit ky raport \u00ebsht\u00eb i destinuar t\u00eb ul\u00ebt, p\u00ebr shkak t\u00eb hyrjes n\u00eb fuqi t\u00eb rregullores s\u00eb AMF q\u00eb vendos nj\u00eb nivel tavan p\u00ebr komisionet e shitjes n\u00eb produktet e sigurimit t\u00eb detyruesh\u00ebm motorik. <\/span><\/p>\n

K\u00ebt\u00eb vit niveli tavan \u00ebsht\u00eb 20%, nd\u00ebrsa vitin e ardhsh\u00ebm do t\u00eb ulet n\u00eb 18%. Vendosja e niveleve tavan t\u00eb komisioneve synon t\u00eb rris\u00eb eficienc\u00ebn e shpenzimeve t\u00eb kompanive t\u00eb sigurimit t\u00eb jo-jet\u00ebs dhe t\u00eb kontribuoj\u00eb n\u00eb forcimin e parametrave t\u00eb tyre financiar\u00eb.\/E.Shehu<\/span><\/p>\n

VINI RE<\/strong><\/span>: Ky material \u00ebsht\u00eb pron\u00ebsi intelektuale e Monitor<\/a><\/span><\/span><\/p>\n

\"\"<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Fitimi i kompanive nga sigurimi i detyruesh\u00ebm motorik p\u00ebr p\u00ebrgjegj\u00ebsit\u00eb ndaj pal\u00ebve t\u00eb treta (TPL) vitin e kaluar preku nivelin m\u00eb t\u00eb ul\u00ebt t\u00eb pes\u00eb viteve t\u00eb fundit. T\u00eb dh\u00ebnat e raportit t\u00eb Mbik\u00ebqyrjes nga Autoriteti i Mbik\u00ebqyrjes Financiare (AMF) tregojn\u00eb se bilanci i llogaris\u00eb teknike p\u00ebr produktin e brendsh\u00ebm TPL ishte pozitiv n\u00eb vler\u00ebn […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":51,"featured_media":556073,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65,13],"tags":[],"class_list":["post-556071","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\/556071","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\/51"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=556071"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/556071\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/556073"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=556071"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=556071"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=556071"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}