Duke filluar nga viti i ardhsh\u00ebm, \u00e7mimet e sigurimit t\u00eb detyruesh\u00ebm t\u00eb mjeteve nuk do t\u00eb jen\u00eb t\u00eb nj\u00ebjta p\u00ebr t\u00eb gjith\u00eb.<\/p>\n
Tarifat e reja do t\u00eb jen\u00eb t\u00eb diferencuara, bazuar n\u00eb nj\u00eb list\u00eb faktor\u00ebsh q\u00eb ndikojn\u00eb n\u00eb rrezikun p\u00ebr t\u00eb shkaktuar d\u00ebme nga drejtuesit e mjeteve.<\/p>\n
Bordi i Autoritetit t\u00eb Mbik\u00ebqyrjes Financiare (AMF) ka miratuar k\u00ebt\u00eb muaj rregulloren \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.<\/p>\n
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.<\/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.<\/p>\n
K\u00ebta faktor\u00eb risku do t\u00eb p\u00ebrdoren n\u00eb p\u00ebrllogaritjen e primit t\u00eb sigurimit p\u00ebr kategorin\u00eb e<\/p>\n
autoveturave, n\u00eb produktin e sigurimit t\u00eb detyruesh\u00ebm motorik p\u00ebr p\u00ebrgjegj\u00ebsit\u00eb e brendshme ndaj pal\u00ebve t\u00eb treta (MTPL e brendshme), por jo p\u00ebr produktet e sigurimit kufitar dhe t\u00eb kartonit jeshil.<\/p>\n
Shoq\u00ebrit\u00eb e sigurimit do t\u2019i p\u00ebrcaktojn\u00eb vet\u00eb tarifat e primit t\u00eb sigurimit, sipas metodologjis\u00eb s\u00eb p\u00ebrcaktuar, 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.<\/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.<\/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.<\/p>\n
Shoq\u00ebrit\u00eb e sigurimit nuk mund t\u00eb aplikojn\u00eb tarifa t\u00eb primit t\u00eb sigurimit t\u00eb ndryshme nga ato t\u00eb raportuara n\u00eb Autoritet dhe nuk mund t\u2019i ndryshojn\u00eb tarifat e primit t\u00eb sigurimit t\u00eb detyruesh\u00ebm m\u00eb shum\u00eb se dy her\u00eb brenda nj\u00eb viti kalendarik.<\/p>\n
Shoq\u00ebrit\u00eb e sigurimit duhet t\u00eb publikojn\u00eb n\u00eb faqen zyrtare t\u00eb internetit, gjat\u00eb gjith\u00eb periudh\u00ebs s\u00eb zbatimit, koeficient\u00ebt e faktor\u00ebve t\u00eb riskut, shoq\u00ebruar me raste t\u00eb zbatimit t\u00eb tyre n\u00eb praktik\u00eb, si dhe primet e sigurimit t\u00eb detyruesh\u00ebm n\u00eb sektorin e transportit.<\/p>\n
Shoq\u00ebrit\u00eb e sigurimit gjithashtu duhet t\u00eb mbajn\u00eb t\u00eb afishuara n\u00eb \u00e7do pik\u00eb shitjeje tabelat me primet e sigurimit, t\u00eb miratuara gjat\u00eb periudh\u00ebs s\u00eb zbatimit t\u00eb tyre.<\/p>\n
Rregullorja e re do t\u00eb hyj\u00eb n\u00eb fuqi n\u00eb 1 janar 2025.\/Monitor<\/p>\n
The post Rregullorja e re, sigurimi i makin\u00ebs nuk do t\u00eb kushtoj\u00eb m\u00eb nj\u00eblloj p\u00ebr t\u00eb gjith\u00eb<\/a> appeared first on GIJOTINA<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" Duke filluar nga viti i ardhsh\u00ebm, \u00e7mimet e sigurimit t\u00eb detyruesh\u00ebm t\u00eb mjeteve nuk do t\u00eb jen\u00eb t\u00eb nj\u00ebjta p\u00ebr t\u00eb gjith\u00eb. Tarifat e reja do t\u00eb jen\u00eb t\u00eb diferencuara, bazuar n\u00eb nj\u00eb list\u00eb faktor\u00ebsh q\u00eb ndikojn\u00eb n\u00eb rrezikun p\u00ebr t\u00eb shkaktuar d\u00ebme nga drejtuesit e mjeteve. Bordi i Autoritetit t\u00eb Mbik\u00ebqyrjes Financiare (AMF) ka […]<\/p>\n","protected":false},"author":0,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1058","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/1058","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/comments?post=1058"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/1058\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=1058"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=1058"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=1058"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}