{"id":755554,"date":"2025-08-15T12:10:13","date_gmt":"2025-08-15T10:10:13","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=755554"},"modified":"2025-08-15T12:10:13","modified_gmt":"2025-08-15T10:10:13","slug":"siguruesit-fituan-10-5-milione-euro-nga-sigurimi-i-detyrueshem-i-mjeteve-vitin-e-kaluar","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/08\/15\/siguruesit-fituan-10-5-milione-euro-nga-sigurimi-i-detyrueshem-i-mjeteve-vitin-e-kaluar\/","title":{"rendered":"Siguruesit fituan 10.5 milion\u00eb euro nga sigurimi i detyruesh\u00ebm i mjeteve vitin e kaluar","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Sigurimi i detyruesh\u00ebm p\u00ebr p\u00ebrgjegj\u00ebsit\u00eb ndaj pal\u00ebve t\u00eb treta (TPL) solli m\u00eb shum\u00eb se nj\u00eb miliard lek\u00eb fitime n\u00eb llogarin\u00eb teknike t\u00eb shoq\u00ebrive t\u00eb sigurimit vitin e kaluar.<\/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 1.03 miliard\u00eb\u00a0\u00a0 lek\u00ebve ose rreth 10.5 milion\u00eb eurove. Megjithat\u00eb, fitimi nga ky produkt p\u00ebsoi r\u00ebnie me 35.6% krahasuar me vler\u00ebn rekord prej 1.61 miliard\u00eb lek\u00ebsh t\u00eb vitit 2023.<\/span><\/p>\n

Efektin kryesor n\u00eb r\u00ebnien e fitimeve nga sigurimi TPL e ka dh\u00ebn\u00eb rritja e d\u00ebmeve t\u00eb paguara neto, me af\u00ebrsisht 30% m\u00eb shum\u00eb krahasuar me nj\u00eb vit m\u00eb par\u00eb, p\u00ebr nj\u00eb shum\u00eb totale prej 3.77 miliard\u00eb lek\u00ebsh. Raporti d\u00ebme-prime neto u rrit n\u00eb 42%, nga 36.14% q\u00eb kishte qen\u00eb n\u00eb vitin 2023.<\/span><\/p>\n

Nd\u00ebrkoh\u00eb, nj\u00eb efekt shtes\u00eb ka dh\u00ebn\u00eb edhe rritja e shpenzimeve operative t\u00eb lidhura me produktin. Ato arrit\u00ebn n\u00eb 5.3 miliard\u00eb lek\u00eb, n\u00eb rritje me 12.6% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Shpenzimet operative 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

Duke filluar nga 1 janari i k\u00ebtij viti, ka nisur zbatimin rregullorja e AMF-s\u00eb\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. Rregullorja 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

Aplikimi i primeve t\u00eb diferencuara mbi k\u00ebta faktor\u00eb rreziku n\u00eb tema mesatar\u00eb ka sjell\u00eb nj\u00eb rritje t\u00eb \u00e7mimit t\u00eb sigurimit t\u00eb detyruesh\u00ebm t\u00eb mjeteve me 7%-8% krahasuar me nj\u00eb vit m\u00eb par\u00eb. Shtrenjtimi i primit mesatar pritet t\u00eb rris\u00eb m\u00eb tej fitimet e tregut t\u00eb sigurimeve nga ky produkt.<\/span><\/p>\n

Gjithnj\u00eb sipas t\u00eb dh\u00ebnave t\u00eb AMF-s\u00eb, edhe produkti tjet\u00ebr i sigurimit t\u00eb detyruesh\u00ebm motorik p\u00ebr p\u00ebrgjegj\u00ebsi ndaj pal\u00ebve t\u00eb treta, kartoni jeshil, p\u00ebsoi r\u00ebnie t\u00eb fitimeve vitin e kaluar. Rezultati teknik nga ky produkt zbriti n\u00eb 234 milion\u00eb lek\u00eb, 49% m\u00eb pak krahasuar me nj\u00eb vit m\u00eb par\u00eb. Edhe n\u00eb k\u00ebt\u00eb rast, r\u00ebnia erdhi paralelisht nga rritja e shpenzimeve neto p\u00ebr d\u00ebme dhe e shpenzimeve operative neto, t\u00eb lidhura me produktin.<\/span><\/p>\n

Kartoni Jeshil apo \u00c7ertifikata Nd\u00ebrkomb\u00ebtare e Sigurimit Motorrik mbulon t\u00eb gjitha p\u00ebrgjegj\u00ebsit\u00eb civile (d\u00ebmet materiale dhe sh\u00ebndet\u00ebsore), q\u00eb mund t\u00eb shkaktohen nga p\u00ebrdorimi i mjetit motorik jasht\u00eb vendit. \u00c7do drejtues i nj\u00eb mjeti me targa shqiptare duhet t\u00eb pajiset detyrimisht me nj\u00eb polic\u00eb sigurimi Karton Jeshil kur udh\u00ebton jasht\u00eb Shqip\u00ebris\u00eb.<\/span><\/p>\n

Nd\u00ebrkoh\u00eb produkti tjet\u00ebr i sigurimit t\u00eb detyruesh\u00ebm motorik, sigurimi kufitar, vitin e kaluar solli fitime n\u00eb vler\u00ebn e 157 milion lek\u00ebve, n\u00eb r\u00ebnie me 20% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/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 2024, sigurimi i brendsh\u00ebm TPL, Kartoni Jeshil dhe Polica Kufitare p\u00ebrb\u00ebnin m\u00eb shum\u00eb se 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 2.27 miliard\u00eb lek\u00ebve ose 23.1 milion\u00eb eurove. Krahasuar me nj\u00eb vit m\u00eb par\u00eb, fitimi i siguruesve shqiptar\u00eb p\u00ebsoi r\u00ebnie me pothuajse 18%.\/Monitor<\/strong><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Sigurimi i detyruesh\u00ebm p\u00ebr p\u00ebrgjegj\u00ebsit\u00eb ndaj pal\u00ebve t\u00eb treta (TPL) solli m\u00eb shum\u00eb se nj\u00eb miliard lek\u00eb fitime n\u00eb llogarin\u00eb teknike t\u00eb shoq\u00ebrive t\u00eb sigurimit vitin e kaluar. 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":49,"featured_media":755555,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-755554","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\/755554","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\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=755554"}],"version-history":[{"count":2,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/755554\/revisions"}],"predecessor-version":[{"id":755563,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/755554\/revisions\/755563"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/755555"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=755554"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=755554"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=755554"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}