{"id":769413,"date":"2025-11-04T12:46:31","date_gmt":"2025-11-04T11:46:31","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=769413"},"modified":"2025-11-04T12:46:31","modified_gmt":"2025-11-04T11:46:31","slug":"parlamenti-i-kerkon-amf-se-te-rivendose-konkurrencen-e-lire-ne-sigurimin-e-detyrueshem-te-mjeteve","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/11\/04\/parlamenti-i-kerkon-amf-se-te-rivendose-konkurrencen-e-lire-ne-sigurimin-e-detyrueshem-te-mjeteve\/","title":{"rendered":"Parlamenti i k\u00ebrkon AMF-s\u00eb t\u00eb rivendos\u00eb konkurrenc\u00ebn e lir\u00eb n\u00eb sigurimin e detyruesh\u00ebm t\u00eb mjeteve","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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

Kuvendi i Shqip\u00ebris\u00eb do t\u2019i k\u00ebrkoj\u00eb Autoritetit t\u00eb Mbik\u00ebqyrjes Financiare (AMF) t\u00eb rishikoj\u00eb rregulloren p\u00ebr faktor\u00ebt e rrezikut n\u00eb p\u00ebrcaktimin e \u00e7mimit t\u00eb sigurimit t\u00eb detyruesh\u00ebm t\u00eb mjeteve.<\/span><\/p>\n

N\u00eb projektrezolut\u00ebn e p\u00ebrgatitur nga Komisioni Kuvendor p\u00ebr Ekonomin\u00eb, Pun\u00ebsimin dhe Financat, k\u00ebrkohet q\u00eb AMF t\u00eb rikthej\u00eb p\u00ebr diskutim, rishikim dhe vendimmarrje rregulloren nr.156\/2024 \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, duke e p\u00ebrafruar at\u00eb n\u00eb m\u00ebnyr\u00eb t\u00eb plot\u00eb me modelin italian t\u00eb sigurimeve motorike, i cili p\u00ebrfaq\u00ebson nj\u00eb praktik\u00eb t\u00eb avancuar evropiane n\u00eb drejtim t\u00eb transparenc\u00ebs dhe nd\u00ebshkimit proporcional t\u00eb riskut.<\/span><\/p>\n

Sipas projektrezolut\u00ebs, modeli i ri duhet t\u00eb parashikoj\u00eb vendosjen e nj\u00eb sistemi funksional \u201cbonus\u2013malus\u201d q\u00eb nxit sjelljen e kujdesshme dhe penalizon shkeljet e p\u00ebrs\u00ebritura; t\u00eb parashikoj\u00eb p\u00ebrfshirjen e paket\u00ebs familjare t\u00eb sigurimit, q\u00eb lejon transferimin e bonusit brenda familjes; t\u00eb mund\u00ebsoj\u00eb p\u00ebrllogaritjen e personalizuar t\u00eb primit sipas historikut individual t\u00eb drejtimit t\u00eb mjetit; t\u00eb mund\u00ebsoj\u00eb diferencimin gjeografik t\u00eb primit, sipas nivelit lokal t\u00eb riskut dhe frekuenc\u00ebs s\u00eb aksidenteve.<\/span><\/p>\n

N\u00eb projektrezolut\u00eb, k\u00ebrkohet gjithashtu q\u00eb, n\u00eb bashk\u00ebpunim t\u00eb ngusht\u00eb me Autoritetin e Konkurrenc\u00ebs, t\u00eb hetoj\u00eb me prioritet tregun e produkteve t\u00eb sigurimit t\u00eb detyruesh\u00ebm TPL dhe Karton Jeshil, me q\u00ebllim verifikimin e praktikave q\u00eb kan\u00eb ndikuar n\u00eb kufizimin e konkurrenc\u00ebs dhe n\u00eb fiksimin e \u00e7mimeve p\u00ebr k\u00ebto produkte. Hetimi duhet t\u00eb p\u00ebrfshij\u00eb analiz\u00ebn e m\u00ebnyr\u00ebs s\u00eb shk\u00ebmbimit t\u00eb informacionit nd\u00ebrmjet operator\u00ebve t\u00eb tregut, si dhe vler\u00ebsimin e ndikimit t\u00eb tij n\u00eb sjelljen tregtare dhe ekonomike t\u00eb kompanive t\u00eb sigurimit.<\/span><\/p>\n

Projektrezoluta k\u00ebrkon gjithashtu q\u00eb AMF t\u00eb propozoj\u00eb masa konkrete p\u00ebr rikthimin e konkurrenc\u00ebs s\u00eb lir\u00eb n\u00eb k\u00ebt\u00eb treg dhe p\u00ebr forcimin e transparenc\u00ebs dhe mbrojtjes s\u00eb konsumator\u00ebve, n\u00eb p\u00ebrputhje me legjislacionin n\u00eb fuqi.<\/span><\/p>\n

Gjithashtu, k\u00ebrkohet q\u00eb, n\u00eb bashk\u00ebpunim me organet e tjera ligjzbatuese, AMF t\u00eb hetoj\u00eb ekzistenc\u00ebn dhe funksionimin e subjekteve apo operator\u00ebve t\u00eb paligjsh\u00ebm q\u00eb ofrojn\u00eb algoritme ose platforma digjitale, p\u00ebrmes t\u00eb cilave mund\u00ebsohet koordinimi i \u00e7mimeve, ndarja e tregut dhe shp\u00ebrndarja e t\u00eb ardhurave sipas p\u00ebrqindjeve nd\u00ebrmjet kompanive t\u00eb sigurimit.<\/span><\/p>\n

Sigurimi i brendsh\u00ebm TPL ngelet shtylla kryesore e tregut t\u00eb sigurimeve n\u00eb vend. Sipas t\u00eb dh\u00ebnave nga AMF, p\u00ebr 9-mujorin 2025 primet e shkruara bruto nga ky produkt arrit\u00ebn n\u00eb 10.5 miliard\u00eb lek\u00eb, n\u00eb rritje me 14% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb. Ato soll\u00ebn 56.6% t\u00eb primeve t\u00eb shkruara bruto n\u00eb tregun e sigurimit t\u00eb jo-jet\u00ebs, n\u00eb rritje nga niveli prej 54.7% i nj\u00eb viti m\u00eb par\u00eb.<\/span><\/p>\n

Ndarja e tregut t\u00eb sigurimit t\u00eb detyruesh\u00ebm motorik p\u00ebr p\u00ebrgjegj\u00ebsit\u00eb ndaj pal\u00ebve t\u00eb treta \u00ebsht\u00eb pothuajse e pandryshuar edhe k\u00ebt\u00eb vit. P\u00ebr 9-mujorin 2025, tregu i k\u00ebtij produkti kryesohet nga Sigal, me 20.64% t\u00eb primeve t\u00eb shkruara bruto, nga 20.6% q\u00eb mbante nj\u00eb vit m\u00eb par\u00eb. Ndjek Eurosig, me 15.19% (nga 15.25% nj\u00eb vit m\u00eb par\u00eb) dhe Sigma, me 14.59% (nga 14.6% nj\u00eb vit m\u00eb par\u00eb). Edhe p\u00ebr kompanit\u00eb e tjera, ndryshimi i pjes\u00ebs s\u00eb tregut \u00ebsht\u00eb i pap\u00ebrfillsh\u00ebm krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb.<\/span><\/p>\n

\u00c7mimet e sigurimit TPL jan\u00eb t\u00eb p\u00ebraf\u00ebrta p\u00ebr t\u00eb gjitha kompanit\u00eb. Nj\u00eb gj\u00eb e till\u00eb ndodh edhe pas hyrjes n\u00eb fuqi t\u00eb rregullores s\u00eb re, q\u00eb parashikon diferencimin e tarifave sipas disa faktor\u00ebve rreziku. Sipas llogarit\u00ebsve automatik\u00eb n\u00eb faqet e kompanive t\u00eb sigurimit, \u00e7mimi minimal i sigurimit t\u00eb detyruesh\u00ebm t\u00eb mjetit ka nj\u00eb diferenc\u00eb prej m\u00eb pak se 2% mes tyre.<\/span><\/p>\n

Nd\u00ebrkoh\u00eb, primet e rrezikut (primet mbi baz\u00ebn e t\u00eb cilave kompanit\u00eb e sigurimit duhet t\u00eb llogarisin fondet rezerv\u00eb p\u00ebr riskun e marr\u00eb p\u00ebrsip\u00ebr me produktin e sigurimit) t\u00eb llogaritura nga kompanit\u00eb dhe t\u00eb miratuara nga AMF kan\u00eb diferenca deri n\u00eb 82% mes kompanive t\u00eb ndryshme.\/Monitor<\/span><\/strong><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Kuvendi i Shqip\u00ebris\u00eb do t\u2019i k\u00ebrkoj\u00eb Autoritetit t\u00eb Mbik\u00ebqyrjes Financiare (AMF) t\u00eb rishikoj\u00eb rregulloren p\u00ebr faktor\u00ebt e rrezikut n\u00eb p\u00ebrcaktimin e \u00e7mimit t\u00eb sigurimit t\u00eb detyruesh\u00ebm t\u00eb mjeteve. N\u00eb projektrezolut\u00ebn e p\u00ebrgatitur nga Komisioni Kuvendor p\u00ebr Ekonomin\u00eb, Pun\u00ebsimin dhe Financat, k\u00ebrkohet q\u00eb AMF t\u00eb rikthej\u00eb p\u00ebr diskutim, rishikim dhe vendimmarrje rregulloren nr.156\/2024 \u201cP\u00ebr p\u00ebrcaktimin e […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":769414,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-769413","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\/769413","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=769413"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/769413\/revisions"}],"predecessor-version":[{"id":769415,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/769413\/revisions\/769415"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/769414"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=769413"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=769413"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=769413"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}