{"id":779881,"date":"2026-01-06T09:27:38","date_gmt":"2026-01-06T08:27:38","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=779881"},"modified":"2026-01-06T09:27:38","modified_gmt":"2026-01-06T08:27:38","slug":"sigurimi-i-makines-cmimi-kete-vit-rritet-me-te-pakten-15-per-ata-qe-kane-shkaktuar-deme","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2026\/01\/06\/sigurimi-i-makines-cmimi-kete-vit-rritet-me-te-pakten-15-per-ata-qe-kane-shkaktuar-deme\/","title":{"rendered":"Sigurimi i makin\u00ebs, \u00e7mimi k\u00ebt\u00eb vit rritet me t\u00eb pakt\u00ebn 15% p\u00ebr ata q\u00eb kan\u00eb shkaktuar d\u00ebme","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Q\u00eb nga fillimi i k\u00ebtij viti, ka hyr\u00eb n\u00eb fuqi aplikimi i sistemit bonus-malus n\u00eb sigurimin e detyruesh\u00ebm t\u00eb mjeteve p\u00ebr p\u00ebrgjegj\u00ebsit\u00eb motorike ndaj pal\u00ebve t\u00eb treta (TPL).<\/span><\/p>\n

Ky sistem n\u00ebnkupton se drejtuesit e mjeteve q\u00eb kan\u00eb shkaktuar d\u00ebme gjat\u00eb vitit paraardh\u00ebs do t\u00eb paguajn\u00eb prime m\u00eb t\u00eb larta sigurimi, nd\u00ebrsa ata q\u00eb nuk kan\u00eb shkaktuar d\u00ebme do t\u00eb paguajn\u00eb prime m\u00eb t\u00eb ul\u00ebta.<\/span><\/p>\n

Sipas llogaritjeve t\u00eb kryera me aplikacionet automatike q\u00eb ofrohen nga kompanit\u00eb e sigurimit n\u00eb faqet e tyre t\u00eb internetit, malusi apo penalizimi p\u00ebr drejtuesit q\u00eb kan\u00eb shkaktuar d\u00ebme do t\u00eb jet\u00eb ndjesh\u00ebm m\u00eb i lart\u00eb se bonusi p\u00ebr ata drejtues mjeteve q\u00eb nuk kan\u00eb shkaktuar d\u00ebme.<\/span><\/p>\n

Vitin e kaluar, \u00e7mimi minimal i sigurimit t\u00eb detyruesh\u00ebm, i llogaritur me parametrat m\u00eb t\u00eb ul\u00ebta t\u00eb riskut (makina me fuqi motorike m\u00eb t\u00eb ul\u00ebt se 1300 cm3, me vjet\u00ebrsi deri n\u00eb pes\u00eb vjet, me drejtues me p\u00ebrvoj\u00eb m\u00eb shum\u00eb se dy vite, individ\u00eb dhe t\u00eb regjistruar n\u00eb nj\u00eb nga qarqet me shpesht\u00ebsin\u00eb m\u00eb t\u00eb ul\u00ebt t\u00eb d\u00ebmeve) ishte af\u00ebrsisht 15500 lek\u00eb. P\u00ebr k\u00ebt\u00eb vit, nj\u00eb drejtues mjeti me t\u00eb nj\u00ebjtat parametra dhe q\u00eb nuk ka shkaktuar asnj\u00eb d\u00ebm gjat\u00eb vitit 2024, do t\u00eb paguaj\u00eb af\u00ebrsisht 15000 lek\u00eb.<\/span><\/p>\n

P\u00ebr qarqet e tjera, duke p\u00ebrfshir\u00eb Tiran\u00ebn, vitin e kaluar \u00e7mimi minimal i siguracionit TPL ishte af\u00ebrsisht 16 mij\u00eb lek\u00eb, nd\u00ebrsa k\u00ebt\u00eb vit do t\u00eb jet\u00eb rreth 15400 lek\u00eb, n\u00eb rastin kur drejtuesi i mjetit nuk ka shkaktuar d\u00ebme.<\/span><\/p>\n

Bonusi q\u00eb p\u00ebrfitojn\u00eb drejtuesit e mjeteve pa historik d\u00ebmesh do t\u00eb jet\u00eb rrjedhimisht n\u00eb intervalin 3-4%, me ndryshime t\u00eb vogla midis kompanive.<\/span><\/p>\n

Nd\u00ebrkoh\u00eb, malusi apo penalizimi q\u00eb do t\u00eb ken\u00eb drejtuesit e mjeteve q\u00eb kan\u00eb shkaktuar t\u00eb pakt\u00ebn nj\u00eb d\u00ebm vitin e kaluar do t\u00eb jet\u00eb m\u00eb i lart\u00eb. Komponenti malus ka nj\u00eb ndryshim pak m\u00eb t\u00eb madh mes kompanive t\u00eb ndryshme.<\/span><\/p>\n

Shtrenjtimi p\u00ebr drejtuesit q\u00eb kan\u00eb shkaktuar nj\u00eb d\u00ebm vitin e kaluar, krahasuar me tarifat e aplikuara gjat\u00eb 2025, do t\u00eb jet\u00eb n\u00eb intervalin 15%-20%, n\u00eb var\u00ebsi t\u00eb kompanis\u00eb s\u00eb sigurimit.<\/span><\/p>\n

P\u00ebr drejtuesit e mjeteve q\u00eb kan\u00eb shkaktuar dy ose m\u00eb shum\u00eb d\u00ebme vitin e kaluar, shtrenjtimi, n\u00eb var\u00ebsi t\u00eb kompanis\u00eb, do t\u00eb jet\u00eb n\u00eb intervalin 33%-38%, krahasuar me tarifat e aplikuara vitin e kaluar.<\/span><\/p>\n

N\u00ebse krahasojm\u00eb \u00e7mimet e k\u00ebtij viti mes drejtuesve q\u00eb nuk kan\u00eb shkaktuar asnj\u00eb d\u00ebm dhe atyre q\u00eb kan\u00eb shkaktuar nj\u00eb d\u00ebm, ndryshimi fillon nga 19% deri n\u00eb 27%, n\u00eb var\u00ebsi t\u00eb kompanive.<\/span><\/p>\n

Nd\u00ebrsa drejtuesit e mjeteve q\u00eb kan\u00eb shkaktuar dy ose m\u00eb shum\u00eb d\u00ebme do t\u00eb paguajn\u00eb nj\u00eb prim sigurimi m\u00eb t\u00eb lart\u00eb n\u00eb intervalin 37% deri n\u00eb 42%, krahasuar me ata drejtues mjetesh q\u00eb nuk kan\u00eb shkaktuar d\u00ebme.<\/span><\/p>\n

Aplikimi i sistemit bonus-malus \u00ebsht\u00eb i parashikuar n\u00eb ligjin \u201cP\u00ebr sigurimin e detyruesh\u00ebm n\u00eb sektorin e transportit\u201d, q\u00eb ka hyr\u00eb n\u00eb fuqi qysh n\u00eb vitin 2021. Megjithat\u00eb, ligji e parashikon si t\u00eb drejt\u00eb t\u00eb kompanive t\u00eb sigurimit, por jo nj\u00eb detyrim.<\/span><\/p>\n

Zbatimi i parimit bonus-malus u b\u00eb i mundur vet\u00ebm pas miratimit t\u00eb rregullores \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. Kjo rregullore hyri n\u00eb fuqi n\u00eb fillim t\u00eb vitit 2025, por pa p\u00ebrfshir\u00eb elementin bonus-malus, q\u00eb ka nisur t\u00eb aplikohet prej 1 janarit t\u00eb k\u00ebtij viti.\/Monitor<\/strong><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Q\u00eb nga fillimi i k\u00ebtij viti, ka hyr\u00eb n\u00eb fuqi aplikimi i sistemit bonus-malus n\u00eb sigurimin e detyruesh\u00ebm t\u00eb mjeteve p\u00ebr p\u00ebrgjegj\u00ebsit\u00eb motorike ndaj pal\u00ebve t\u00eb treta (TPL). Ky sistem n\u00ebnkupton se drejtuesit e mjeteve q\u00eb kan\u00eb shkaktuar d\u00ebme gjat\u00eb vitit paraardh\u00ebs do t\u00eb paguajn\u00eb prime m\u00eb t\u00eb larta sigurimi, nd\u00ebrsa ata q\u00eb nuk kan\u00eb […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":779882,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[53],"tags":[],"class_list":["post-779881","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fast-foodi"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/779881","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=779881"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/779881\/revisions"}],"predecessor-version":[{"id":779883,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/779881\/revisions\/779883"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/779882"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=779881"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=779881"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=779881"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}