{"id":730094,"date":"2025-03-14T19:43:09","date_gmt":"2025-03-14T18:43:09","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=730094"},"modified":"2025-03-14T19:43:09","modified_gmt":"2025-03-14T18:43:09","slug":"rriten-cmimet-e-sigurimeve-te-automjeteve-cila-eshte-rregullorja-e-re","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/03\/14\/rriten-cmimet-e-sigurimeve-te-automjeteve-cila-eshte-rregullorja-e-re\/","title":{"rendered":"Rriten \u00e7mimet e sigurimeve t\u00eb automjeteve, cila \u00ebsht\u00eb rregullorja e re","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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

N\u00eb Shqip\u00ebri q\u00eb prej 1 janarit t\u00eb vitit 2025 p\u00ebr afro 900 mij\u00eb mjete rrugore do t\u00eb ket\u00eb nj\u00eb m\u00ebnyr\u00eb t\u00eb re t\u00eb p\u00ebrllogaritjes s\u00eb \u00e7mimit t\u00eb sigurimit t\u00eb detyruesh\u00ebm. Autoriteti i Mbikqyrjes Financiare, p\u00ebrmes nj\u00eb rregulloreje ka shtuar disa faktor\u00eb risku, q\u00eb kan\u00eb sjell\u00eb rritje \u00e7mimi t\u00eb sigurimit t\u00eb automjeteve q\u00eb shkon edhe n\u00eb 20%.<\/span><\/p>\n

Sipas Byros\u00eb Shqiptare t\u00eb Sigurimit, rritja totale \u00ebsht\u00eb vet\u00ebm 3%. Rregullorja q\u00eb i vjen n\u00eb ndihm\u00eb edhe siguris\u00eb rrugore po shkakton debate n\u00eb lidhje me disa element\u00eb. Korrespondentja e Z\u00ebrit t\u00eb Amerik\u00ebs<\/a><\/span> n\u00eb Tiran\u00eb Mimoza Picari sjell nj\u00eb analiz\u00eb t\u00eb detajuar n\u00eb lidhje me k\u00ebt\u00eb \u00e7\u00ebshtje.<\/span><\/p>\n

N\u00eb Shqip\u00ebri mjaft qytetar\u00eb jan\u00eb p\u00ebrballur q\u00eb prej fillimit t\u00eb vitit me rritje t\u00eb \u00e7mimit t\u00eb sigurimit t\u00eb detyruesh\u00ebm t\u00eb automjeteve. Dy prej tyre i konfirmuan Z\u00ebrit t\u00eb Amerik\u00ebs se sigurimi i automjetit k\u00ebt\u00eb vit iu kushtoi gati 10 dhe 15 % m\u00eb shum\u00eb se nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Nj\u00eb ligj i miratuar n\u00eb vitin 2021 p\u00ebr sigurimin e detyruesh\u00ebm n\u00eb sektorin e transportit solli nj\u00eb qasje tjet\u00ebr n\u00eb k\u00ebt\u00eb fush\u00eb duke i l\u00ebn\u00eb hap\u00ebsir\u00eb Autoritetit t\u00eb Mbikqyrjes Financiare t\u00eb p\u00ebrpiloj\u00eb nj\u00eb rregullore t\u00eb re n\u00eb shtator t\u00eb vitit 2023, q\u00eb shton ndjesh\u00ebm faktor\u00ebt e riskut, n\u00eb p\u00ebrllogartjen e primit t\u00eb sigurimit.<\/span><\/p>\n

M\u00eb her\u00ebt merreshin n\u00eb konsiderat\u00eb fuqia motorike e autmojetit dhe viti i prodhimit, nd\u00ebrsa q\u00eb prej janarit t\u00eb k\u00ebtij viti jan\u00eb shtuar disa faktor\u00eb t\u00eb tjer\u00eb risku si mosha e t\u00eb siguruarit, eksperienca n\u00eb drejtimin e mjetit motorik, p\u00ebrdorimi i mjetit nga nj\u00eb subjekt apo individ dhe qarku i regjistrimit t\u00eb mjetit.<\/span><\/p>\n

Por rregullorja e re nuk merr n\u00eb konsiderat\u00eb t\u00eb pakt\u00ebn deri n\u00eb vitin 2026 historikun e d\u00ebmit q\u00eb e ul \u00e7mimin p\u00ebr at\u00eb q\u00eb nuk ka kryer shkelje dhe e kund\u00ebrta p\u00ebr at\u00eb q\u00eb ka kryer shkelje t\u00eb rregullave t\u00eb qarkullimit rrugor.<\/span><\/p>\n

N\u00eb p\u00ebrgjigjen me shkrim p\u00ebr Z\u00ebrin e Amerik\u00ebs Autoriteti i Mbikqyrjes Financiare sqaroi se hyrja n\u00eb fuqi e k\u00ebtij p\u00ebrkufizimi esht\u00eb shtyr\u00eb me q\u00ebllim q\u00eb publiku t\u00eb njihet me k\u00ebt\u00eb element t\u00eb ri t\u00eb parashikimit ligjor.<\/span><\/p>\n

\u201cKy parim \u00ebsht\u00eb thelb\u00ebsor pasi individ\u00ebt duhet t\u00eb ken\u00eb mund\u00ebsin\u00eb t\u00eb njihen me normat ligjore dhe t\u00eb planifikojn\u00eb veprimet e tyre n\u00eb p\u00ebrputhje me ligjin, i cili duhet t\u00eb jet\u00eb i qart\u00eb, i q\u00ebndruesh\u00ebm dhe i parashikuesh\u00ebm. Nisur nga ky parim si dhe mund\u00ebsis\u00eb s\u00eb drejtuesve t\u00eb mjeteve p\u00ebr nd\u00ebrgjegj\u00ebsim dhe disiplinim gjat\u00eb p\u00ebrdorimit t\u00eb mjetit, kjo rregullore nuk ka fuqi prapavepruese p\u00ebrsa i p\u00ebrket \u201chistorikut t\u00eb d\u00ebmeve\u201d t\u00eb ndodhura para hyrjes n\u00eb fuqi t\u00eb saj\u201d<\/em>– sqaron AMF.<\/span><\/p>\n

Autoriteti i Mbikqyrjes Financiare shpjegoi gjithashtu se metodologjia e zbatuar p\u00ebr faktorin e riskut \u201chistoriku i d\u00ebmeve\u201d ndryshon nga nj\u00eb vend n\u00eb nj\u00eb vend tjet\u00ebr n\u00eb baz\u00eb t\u00eb karakteristikave t\u00eb tregut t\u00eb sigurimeve, duke n\u00ebnvizuar r\u00ebnd\u00ebsin\u00eb e ekuilibrit financiar t\u00eb k\u00ebtij tregu.<\/span><\/p>\n

\u201cE r\u00ebnd\u00ebsishme \u00ebsht\u00eb q\u00eb me zbatimin e k\u00ebtij faktori t\u00eb ruhet ekuilibri tekniko-financiar n\u00eb nivel portofoli p\u00ebr linj\u00ebn e biznesit ku aplikohet. P\u00ebrsa i p\u00ebrket tregut t\u00eb sigurimeve n\u00eb Shqip\u00ebri, portofolit t\u00eb autoveturave, historiku i d\u00ebmeve q\u00eb merren n\u00eb konsiderate \u00ebsht\u00eb deri n\u00eb tre vite, sikurse p\u00ebrllogaritet me metoda aktuariale dhe i bazuar edhe n\u00eb rekomandimet e Bank\u00ebs Bot\u00ebrore\u201d<\/em>\u00a0-argumenton AMF.<\/span><\/p>\n

Byroja Shqiptare e Sigurimit i konfirmoi Z\u00ebrit t\u00eb Amerik\u00ebs se rritja mesatare e \u00e7mimit \u00ebsht\u00eb 3% n\u00eb total. Kryetari i Asambles\u00eb s\u00eb k\u00ebsaj byroje Kadri Morina tha se prej 3 dekadash \u00e7mimet n\u00eb tregun e sigurimeve thuajse nuk kan\u00eb ndryshuar, nd\u00ebrkoh\u00eb q\u00eb sigurimi i sh\u00ebndetit p\u00ebr mjetet motorike \u00ebsht\u00eb rritur ndjesh\u00ebm q\u00eb prej vitit 2021. Gjithashtu si\u00e7 shprehet Z. Morina jan\u00eb rritur dhe vlerat e d\u00ebmeve nga aksidentet gjat\u00eb viteve t\u00eb fundit me gati 40%.<\/span><\/p>\n

\u201cP\u00ebrshembull ju e dini si kan\u00eb shkuar \u00e7mimet e hekurit, sepse ai p\u00ebrdoret n\u00eb serviset e makinave. Vet\u00ebm niveli i rritjes s\u00eb d\u00ebmeve ka shkuar n\u00eb 40%. Pjesa kryesore e publikut kan\u00eb \u00e7mimet aq sa i kan\u00eb patur por dhe m\u00eb t\u00eb ul\u00ebta, kurse kategorit\u00eb sipas kubikazhit t\u00eb makin\u00ebs, mosh\u00ebs s\u00eb drejtuesit automjetit, sipas qarqeve, vjet\u00ebrsis\u00eb s\u00eb makin\u00ebs, kan\u00eb p\u00ebsuar nj\u00eb trend rritje t\u00eb vog\u00ebl, ku i gjith\u00eb rritja n\u00eb tregun e sigurimeve \u00ebsht\u00eb 3%. Kush ka nj\u00eb makin\u00eb t\u00eb vog\u00ebl 1500 kubik\u00eb i \u00ebsht\u00eb ulur siguracioni, por nj\u00eb makine me vler\u00eb 400 mij\u00eb euro q\u00eb ka fuqi motorike t\u00eb lart\u00eb i \u00ebsht\u00eb rritur edhe 20%, por ne flasim p\u00ebr shtres\u00ebn e gjer\u00eb t\u00eb publikut\u201d-<\/em>\u00a0shprehet Z. Morina.<\/span><\/p>\n

Tregu i sigurimeve n\u00eb mjaft raste ka qen\u00eb n\u00eb sh\u00ebnjest\u00ebr t\u00eb kritikave se funksionon mbi baz\u00ebn e marr\u00ebveshjeve t\u00eb ndaluara, ku kompanit\u00eb q\u00eb zot\u00ebrojn\u00eb tregun fiksojn\u00eb \u00e7mimet duke penguar konkurec\u00ebn dhe d\u00ebmtuar konsumatorin. Nj\u00eb shqet\u00ebsim t\u00eb till\u00eb e ndau m\u00eb Z\u00ebrin e Amerik\u00ebs deputeti socialist Erjon Brace.<\/span><\/p>\n

-\u201cPo flasim p\u00ebr nj\u00eb treg q\u00eb funksionin n\u00eb baz\u00eb t\u00eb nj\u00eb marr\u00ebveshje t\u00eb ndaluar. Autoriteti i Konkurenc\u00ebs n\u00eb k\u00ebt\u00eb rast \u00ebsht\u00eb p\u00ebr t\u00eb garantuar konkurenc\u00eb efektive n\u00eb treg q\u00eb ndodh p\u00ebrmes verifikimeve t\u00eb vazhdueshme, dhe natyrisht penalizimeve n\u00eb rastin e marr\u00ebveshjeve t\u00eb ndaluara. AMF n\u00eb tregun e sigurimeve duhet t\u00eb garantoj\u00eb rregulla q\u00eb sjellin konkurenc\u00eb. Hyrje, licensime q\u00eb shtojn\u00eb konkurenc\u00ebn\u201d<\/em>– thot\u00eb Z. Bra\u00e7e<\/span><\/p>\n

AMF i pyetur mbi k\u00ebto shqet\u00ebsime tha se sipas ligjit nuk \u00ebsht\u00eb n\u00eb tagrin e k\u00ebtij institucioni \u00e7\u00ebshtja e konkurrenc\u00ebs s\u00eb lir\u00eb n\u00eb tregun e sigurimeve, nd\u00ebrsa Autoriteti i Konkurenc\u00ebs i tha Z\u00ebrit t\u00eb Amerik\u00ebs se gjat\u00eb viteve t\u00eb fundit ka vler\u00ebsuar marr\u00ebveshjet n\u00eb tregun e sigurimeve duke dh\u00ebn\u00eb rekomandimet p\u00ebrkat\u00ebse kur e ka par\u00eb t\u00eb arsyeshme. Ky institucion sqaron se nuk ka evidentuar problemtika t\u00eb cilat shtremb\u00ebrojn\u00eb konkurrenc\u00ebn, pasi n\u00eb t\u00eb kund\u00ebrt do t\u00eb kishte nd\u00ebrmarr\u00eb veprimet p\u00ebrkat\u00ebse ligjore. K\u00ebto <\/span>tregje mbeten n\u00ebn monitorim t\u00eb vazhduesh\u00ebm, thot\u00eb ky institucion, n\u00eb p\u00ebrgjigjen me shkrim.<\/span><\/p>\n

Nga ana tjet\u00ebr kryetari Kryetari i Asambles\u00eb s\u00eb Byros\u00eb Shqiptare t\u00eb Sigurimit Kadri Morina i rr\u00ebzoi aludimet p\u00ebr marr\u00ebveshje t\u00eb ndalara mes kompanive t\u00eb sigurimit dhe konfirmoi se konkurenca n\u00eb treg \u00ebsht\u00eb e fort\u00eb.<\/span><\/p>\n

\u201cKonkurenca \u00ebsht\u00eb e tmerrshme si n\u00eb \u00e7do treg tjet\u00ebr. Ka raste kur na vjen klienti dhe na thot\u00eb – ma ul \u00e7mimin dy mij\u00eb lek\u00eb se ma ka dh\u00ebn\u00eb kompania tjet\u00ebr m\u00eb lir\u00eb. \u00cbsht\u00eb konkurenc\u00eb, \u00ebsht\u00eb treg i lir\u00eb\u201d-<\/em>\u00a0shprehet Z. Morina.<\/span><\/p>\n

Z\u00ebri Amerik\u00ebs kreu nj\u00eb v\u00ebzhgim n\u00eb 6 prej 8 kompanive t\u00eb sigurimit q\u00eb operojn\u00eb n\u00eb treg. P\u00ebr t\u00eb nj\u00ebjtin automjet \u00e7mimi fillestar i ofruar prej tyre varjon nga 205 mij\u00eb deri n\u00eb 216 mij\u00eb lek\u00eb t\u00eb vjetra n\u00eb var\u00ebsi t\u00eb kompanive. Megjithat\u00eb n\u00eb negociata kompanit\u00eb ofruan ulje nga 5 deri n\u00eb 16 mij\u00eb lek\u00eb dhe \u00e7mimi zbriti- n\u00eb tre kompani 200 mij\u00eb lek\u00eb, n\u00eb dy 205 mij\u00eb, dhe n\u00eb nj\u00eb tjet\u00ebr 210 mij\u00eb lek\u00eb t\u00eb vjetra.<\/span><\/p>\n

Rregullorja e re e Autoritetit t\u00eb Mbikqyjes Financiare \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, po shoq\u00ebrohet me mjaft diskutime. Ky \u00ebsht\u00eb viti i par\u00eb i aplikimit ndaj dhe kalkulimet e plota apo ndikimi i saj n\u00eb sigurin\u00eb rrugore, sipas ekspert\u00ebve i takojn\u00eb s\u00eb ardhmes.<\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

N\u00eb Shqip\u00ebri q\u00eb prej 1 janarit t\u00eb vitit 2025 p\u00ebr afro 900 mij\u00eb mjete rrugore do t\u00eb ket\u00eb nj\u00eb m\u00ebnyr\u00eb t\u00eb re t\u00eb p\u00ebrllogaritjes s\u00eb \u00e7mimit t\u00eb sigurimit t\u00eb detyruesh\u00ebm. Autoriteti i Mbikqyrjes Financiare, p\u00ebrmes nj\u00eb rregulloreje ka shtuar disa faktor\u00eb risku, q\u00eb kan\u00eb sjell\u00eb rritje \u00e7mimi t\u00eb sigurimit t\u00eb automjeteve q\u00eb shkon edhe n\u00eb […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":32,"featured_media":703859,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-730094","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\/730094","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\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=730094"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/730094\/revisions"}],"predecessor-version":[{"id":730096,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/730094\/revisions\/730096"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/703859"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=730094"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=730094"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=730094"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}