{"id":719586,"date":"2025-01-16T07:26:36","date_gmt":"2025-01-16T06:26:36","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=719586"},"modified":"2025-01-16T07:26:36","modified_gmt":"2025-01-16T06:26:36","slug":"rriten-deri-ne-30-cmimet-e-sigurimit-te-detyrueshem-te-automjeteve","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/01\/16\/rriten-deri-ne-30-cmimet-e-sigurimit-te-detyrueshem-te-automjeteve\/","title":{"rendered":"Rriten deri n\u00eb 30% \u00e7mimet e sigurimit t\u00eb detyruesh\u00ebm t\u00eb automjeteve","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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

Nisja e aplikimit t\u00eb sistemit t\u00eb ri p\u00ebr p\u00ebrcaktimin e primeve t\u00eb sigurimit t\u00eb detyruesh\u00ebm t\u00eb mjeteve ka sjell\u00eb nj\u00eb rritje t\u00eb \u00e7mimeve p\u00ebr p\u00ebrdoruesit.<\/span><\/p>\n

Mb\u00ebshtetur n\u00eb tarifat e llogaritura me aplikacionet e ofruara prej kompanive t\u00eb sigurimeve n\u00eb faqet e tyre t\u00eb internetit, rritja e \u00e7mimeve krahasuar me vitin e kaluar mund t\u00eb arrij\u00eb m\u00eb shum\u00eb se 30%.<\/span><\/p>\n

P\u00ebr shembull, p\u00ebr nj\u00eb automjet t\u00eb prodhuar n\u00eb vitin 2007, me fuqi motorike 2500 cc, me drejtues mjeti mbi 21 vje\u00e7, t\u00eb regjistruar n\u00eb Tiran\u00eb, sigurimi vjetor TPL (p\u00ebrfshir\u00eb taksat) kushton rreth 21,700 lek\u00eb, n\u00eb rritje me af\u00ebrsisht 15% krahasuar me vitin e kaluar (\u00e7mimet kan\u00eb ndryshime shum\u00eb t\u00eb vogla mes kompanive t\u00eb ndryshme).<\/span><\/p>\n

N\u00eb rast se drejtuesi i mjetit \u00ebsht\u00eb n\u00ebn 21 vje\u00e7, \u00e7mimi arrin n\u00eb pothuajse 25 mij\u00eb lek\u00eb ose gati 32% krahasuar me vitin e kaluar.<\/span><\/p>\n

P\u00ebr nj\u00eb automjet me motor 2000 cc, prodhim i vitit 2013, regjistruar n\u00eb Tiran\u00eb n\u00eb pron\u00ebsi individuale, me drejtues mjeti mbi 21 vje\u00e7, \u00e7mimi i ri i sigurimit, p\u00ebrfshir\u00eb taksat, \u00ebsht\u00eb rreth 21 mij\u00eb lek\u00eb, af\u00ebrsisht 10% m\u00eb shum\u00eb krahasuar me vitin e kaluar.<\/span><\/p>\n

P\u00ebr nj\u00eb drejtues mjeti n\u00ebn 21 vje\u00e7, \u00e7mimi arrin n\u00eb rreth 23,100 lek\u00eb ose 21% m\u00eb shum\u00eb se vitin e kaluar.<\/span><\/p>\n

Nd\u00ebrkoh\u00eb, p\u00ebr automjetet n\u00eb pron\u00ebsi t\u00eb bizneseve, shtrenjtimi \u00ebsht\u00eb m\u00eb i lart\u00eb, p\u00ebr shkak t\u00eb nj\u00eb koeficienti baz\u00eb rritjeje 20% t\u00eb p\u00ebrcaktuar p\u00ebr k\u00ebt\u00eb kategori. Kjo lidhet me faktin q\u00eb p\u00ebr automjetet e biznesit rreziku i d\u00ebmeve vler\u00ebsohet m\u00eb i lart\u00eb, p\u00ebr shkak se ato mund t\u00eb p\u00ebrdoren nga drejtues t\u00eb ndrysh\u00ebm. Duke shtuar edhe koeficient\u00ebt e tjer\u00eb t\u00eb rritjes, p\u00ebr mjetet e bizneseve rritja e \u00e7mimit t\u00eb siguracionit mund t\u00eb arrij\u00eb n\u00eb m\u00eb shum\u00eb se 30% krahasuar me vitin e kaluar.<\/span><\/p>\n

Q\u00eb nga fillimi i k\u00ebtij viti ka hyr\u00eb n\u00eb fuqi rregullorja \u201cP\u00ebr p\u00ebrcaktimin e faktor\u00ebve t\u00eb riskut q\u00eb p\u00ebrfshihen n\u00eb p\u00ebrllogaritjen e primit p\u00ebr produktet e sigurimit t\u00eb detyruesh\u00ebm n\u00eb sektorin e transportit\u201d, q\u00eb parashikon se n\u00eb p\u00ebrllogaritjen e primit t\u00eb sigurimit, kompanit\u00eb duhet t\u00eb zbatojn\u00eb disa faktor\u00eb kryesor\u00eb risku, si historiku i d\u00ebmeve, p\u00ebrfshir\u00eb edhe rastet kur shkaktari i aksidentit nuk \u00ebsht\u00eb i sh\u00ebnuar n\u00eb polic\u00ebn e sigurimit; fuqia motorike e mjetit; mosha e t\u00eb siguruarit; eksperienca n\u00eb drejtimin e mjetit motorik; p\u00ebrdorimi i mjetit nga nj\u00eb subjekt apo nga nj\u00eb individ; qarku i regjistrimit t\u00eb mjetit; vjet\u00ebrsia e mjetit.<\/span><\/p>\n

P\u00ebrve\u00e7 faktor\u00ebve t\u00eb m\u00ebsip\u00ebrm, rregullorja parashikon q\u00eb shoq\u00ebrit\u00eb e sigurimit mund t\u00eb zbatojn\u00eb edhe faktor\u00eb t\u00eb tjer\u00eb risku, t\u00eb p\u00ebrcaktuara prej tyre.<\/span><\/p>\n

Megjithat\u00eb, sistemi aktualisht n\u00eb p\u00ebrdorim nuk ka nj\u00eb nivel shum\u00eb t\u00eb detajuar diferencimi n\u00eb disa prej faktor\u00ebve t\u00eb parashikuar n\u00eb rregullore.<\/span><\/p>\n

P\u00ebr shembull, sistemi p\u00ebrcakton \u00e7mime m\u00eb t\u00eb larta p\u00ebr drejtuesit e mjeteve n\u00eb mosh\u00ebn 18-21 vje\u00e7, nd\u00ebrsa nuk parashikon diferencime t\u00eb m\u00ebtejshme p\u00ebr drejtuesit n\u00eb mosh\u00eb m\u00eb t\u00eb madhe. Gjithashtu, sistemi nuk merr parasysh eksperienc\u00ebn e drejtuesve t\u00eb mjetit, p\u00ebr shembull, vitin e marrjes s\u00eb lejes s\u00eb drejtimit.<\/span><\/p>\n

Gjithashtu, diferencimi sipas qarqeve konsiston vet\u00ebm n\u00eb aplikimin e nj\u00eb koeficienti m\u00eb t\u00eb ul\u00ebt p\u00ebr qarqet Berat, Dib\u00ebr e Kuk\u00ebs, nd\u00ebrsa p\u00ebr t\u00eb gjitha qarqet e tjera t\u00eb vendit koeficienti p\u00ebrkat\u00ebs \u00ebsht\u00eb i nj\u00ebjt\u00eb dhe m\u00eb i lart\u00eb.<\/span><\/p>\n

Nj\u00eb faktor tjet\u00ebr q\u00eb do t\u00eb p\u00ebrcaktoj\u00eb primet \u00ebsht\u00eb edhe sistemi bonus-malus ose historiku i d\u00ebmeve. Megjithat\u00eb, ky element do t\u00eb filloj\u00eb t\u00eb zbatohet duke filluar nga viti 2026, bazuar n\u00eb historikun e d\u00ebmeve t\u00eb vitit 2025. Por, m\u00ebnyra se si \u00ebsht\u00eb konceptuar sistemi parashikon vet\u00ebm faktorin malus, pra, penalizimin e drejtuesve t\u00eb mjeteve q\u00eb shkaktojn\u00eb d\u00ebme, por nuk ka nj\u00eb element bonusi, pra, ulje t\u00eb primit p\u00ebr ata drejtues q\u00eb nuk shkaktojn\u00eb d\u00ebme. Bonusi, n\u00eb fakt, do t\u00eb jet\u00eb ruajtja e koeficientit t\u00eb nj\u00ebjt\u00eb.<\/span><\/p>\n

Jav\u00ebn e kaluar, deputeti Erion Bra\u00e7e me nj\u00eb deklarat\u00eb publike e cil\u00ebsoi rritjen e \u00e7mimeve t\u00eb sigurimit TPL si abuzim n\u00eb kurriz t\u00eb konsumatorit dhe shtoi se do t\u2019i k\u00ebrkoj\u00eb Komisionit Kuvendor t\u00eb Ekonomis\u00eb t\u00eb ushtroj\u00eb ndikim mbi AMF-n\u00eb p\u00ebr anullimin e \u00e7mimeve t\u00eb reja.<\/span><\/p>\n

Sipas ligjit, shoq\u00ebrit\u00eb e sigurimit i p\u00ebrcaktojn\u00eb vet\u00eb tarifat e primit t\u00eb sigurimit TPL, por jan\u00eb t\u00eb detyruara t\u00eb njoftojn\u00eb AMF-n\u00eb t\u00eb pakt\u00ebn 30 dit\u00eb kalendarike p\u00ebrpara aplikimit t\u00eb tarifave t\u00eb reja t\u00eb primit.<\/span><\/p>\n

S\u00eb bashku me njoftimin p\u00ebr aplikimin e tarifave t\u00eb reja t\u00eb primit, shoq\u00ebrit\u00eb e sigurimit duhet t\u00eb depozitojn\u00eb pran\u00eb Autoritetit baz\u00ebn teknike t\u00eb t\u00eb dh\u00ebnave, faktor\u00ebt e riskut dhe vler\u00ebsimet aktuariale t\u00eb p\u00ebrdorura p\u00ebr llogaritjen e primeve t\u00eb sigurimit, t\u00eb shoq\u00ebruara me opinionin e aktuarit t\u00eb autorizuar t\u00eb shoq\u00ebris\u00eb, t\u00eb paraqitur n\u00eb form\u00ebn e nj\u00eb raporti me shkrim.<\/span><\/p>\n

Autoriteti, n\u00eb funksion t\u00eb mbik\u00ebqyrjes s\u00eb veprimtaris\u00eb s\u00eb shoq\u00ebris\u00eb s\u00eb sigurimit, mund t\u00eb urdh\u00ebroj\u00eb rishikimin e tarifave t\u00eb reja t\u00eb primeve, n\u00ebse konstaton se baza e t\u00eb dh\u00ebnave p\u00ebr hartimin e tabelave t\u00eb primit t\u00eb sigurimit nuk \u00ebsht\u00eb e sakt\u00eb, ose shoq\u00ebria e sigurimit nuk ka vepruar n\u00eb p\u00ebrputhje me parimet aktuariale dhe metodologjin\u00eb e p\u00ebrdorur p\u00ebr p\u00ebrfshirjen e faktor\u00ebve t\u00eb riskut t\u00eb p\u00ebrcaktuar me k\u00ebt\u00eb rregullore.<\/span><\/p>\n

Fitimi nga sigurimi TPL u rrit me 130% p\u00ebr 2023<\/span><\/p>\n

P\u00ebrpjekjet e kompanive p\u00ebr t\u00eb rritur \u00e7mimin e sigurimit t\u00eb brendsh\u00ebm TPL nis\u00ebn q\u00eb n\u00eb vitin 2021, me miratimin e ligjit t\u00eb \u201cP\u00ebr sigurimin e detyruesh\u00ebm n\u00eb sektorin e transportit\u201d, q\u00eb rriti edhe limitet e p\u00ebrgjegj\u00ebsive. Pas vitit 2022, nevoja p\u00ebr rritjen e \u00e7mimeve u argumentua me shtrenjtimin e \u00e7mimeve t\u00eb pjes\u00ebve t\u00eb k\u00ebmbimit, sh\u00ebrbimeve p\u00ebr automjetet dhe me rritjen e kostove n\u00eb p\u00ebrgjith\u00ebsi nga inflacioni i lart\u00eb.<\/span><\/p>\n

Megjithat\u00eb, t\u00eb dh\u00ebnat e AMF-s\u00eb tregojn\u00eb se pavar\u00ebsisht faktor\u00ebve t\u00eb m\u00ebsip\u00ebrm, produkti TPL ka qen\u00eb nj\u00eb produkt fitimprur\u00ebs p\u00ebr kompanit\u00eb.<\/span><\/p>\n

T\u00eb dh\u00ebnat e raportit t\u00eb mbik\u00ebqyrjes 2023 tregojn\u00eb se bilanci i llogaris\u00eb teknike p\u00ebr produktin e brendsh\u00ebm TPL ishte pozitiv n\u00eb vler\u00ebn e 1.6 miliard\u00eb lek\u00ebve, me nj\u00eb rritje prej 130% krahasuar me vitin 2022. Ky ishte fitimi m\u00eb i lart\u00eb i t\u00eb gjitha koh\u00ebrave i raportuar p\u00ebr produktin n\u00eb fjal\u00eb.<\/span><\/p>\n

Efektin kryesor n\u00eb rritjen e fitimeve nga sigurimi TPL e ka dh\u00ebn\u00eb rritja e primeve t\u00eb fituara neto, ulja e shpenzimeve t\u00eb marrjes n\u00eb sigurim, paralelisht me nj\u00eb rritje shum\u00eb t\u00eb vog\u00ebl t\u00eb shpenzimeve p\u00ebr d\u00ebme t\u00eb paguara. Primi i fituar neto vitin e kaluar arriti n\u00eb 9.82 miliard\u00eb lek\u00eb, n\u00eb rritje me 7.7% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Nd\u00ebrkoh\u00eb, nj\u00eb ndikim t\u00eb r\u00ebnd\u00ebsish\u00ebm ka sjell\u00eb edhe ulja e shpenzimeve operative t\u00eb lidhura me produktin. Ato zbrit\u00ebn n\u00eb 4.7 miliard\u00eb lek\u00eb, n\u00eb r\u00ebnie me 9% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Megjith\u00ebse shpenzimet operative p\u00ebsuan r\u00ebnie, ato vazhdojn\u00eb t\u00eb ken\u00eb nj\u00eb vler\u00eb ndjesh\u00ebm m\u00eb t\u00eb lart\u00eb krahasuar me shpenzimet p\u00ebr d\u00ebme.<\/span><\/p>\n

Shpenzimet p\u00ebr d\u00ebme sh\u00ebnuan nj\u00eb rritje t\u00eb vog\u00ebl vitin e kaluar. D\u00ebmet e paguara bruto arrit\u00ebn n\u00eb 3.38 miliard lek\u00eb, 3.4% m\u00eb shum\u00eb krahasuar me nj\u00eb vit m\u00eb par\u00eb. Nd\u00ebrsa d\u00ebmet e paguara neto (duke hequr pjes\u00ebn e paguar nga risiguruesit) arrit\u00ebn n\u00eb 2.91 miliard lek\u00eb, n\u00eb rritje me vet\u00ebm 0.9% krahasuar me nj\u00eb vit m\u00eb par\u00eb. Raporti d\u00ebme-prime neto u rrit shum\u00eb leht\u00eb n\u00eb 36.14%, nga 36.06% q\u00eb kishte qen\u00eb n\u00eb vitin 2022.<\/span><\/p>\n

Sigurimet e detyrueshme motorike kan\u00eb nj\u00eb pesh\u00eb shum\u00eb t\u00eb lart\u00eb n\u00eb struktur\u00ebn e primeve t\u00eb shkruara bruto n\u00eb sigurimet e Jo-Jet\u00ebs. P\u00ebr vitin 2023, sigurimi i brendsh\u00ebm TPL, Kartoni Jeshil dhe Polica Kufitare p\u00ebrb\u00ebnin pothuajse 67% t\u00eb primeve t\u00eb shkruara bruto t\u00eb k\u00ebtij tregu. Edhe fitimi i k\u00ebtyre produkteve ka nj\u00eb r\u00ebnd\u00ebsi p\u00ebrcaktuese n\u00eb ecurin\u00eb e rezultatit total t\u00eb tregut.<\/span><\/p>\n

Sipas t\u00eb dh\u00ebnave nga Autoriteti i Mbik\u00ebqyrjes Financiare (AMF), n\u00eb total fitimi i tregut t\u00eb sigurimeve vitin e kaluar arriti vler\u00ebn e 2.76 miliard\u00eb lek\u00ebve ose 266 milion\u00eb eurove.<\/span><\/p>\n

Krahasuar me vitin 2022, fitimi i siguruesve shqiptar\u00eb u rrit me pothuajse 70%.\/ Ersuin Shehu<\/span><\/p>\n

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

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

Nisja e aplikimit t\u00eb sistemit t\u00eb ri p\u00ebr p\u00ebrcaktimin e primeve t\u00eb sigurimit t\u00eb detyruesh\u00ebm t\u00eb mjeteve ka sjell\u00eb nj\u00eb rritje t\u00eb \u00e7mimeve p\u00ebr p\u00ebrdoruesit. Mb\u00ebshtetur n\u00eb tarifat e llogaritura me aplikacionet e ofruara prej kompanive t\u00eb sigurimeve n\u00eb faqet e tyre t\u00eb internetit, rritja e \u00e7mimeve krahasuar me vitin e kaluar mund t\u00eb arrij\u00eb […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":51,"featured_media":719587,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-719586","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lajme"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/719586","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=719586"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/719586\/revisions"}],"predecessor-version":[{"id":719589,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/719586\/revisions\/719589"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/719587"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=719586"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=719586"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=719586"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}