{"id":199286,"date":"2021-11-26T18:35:31","date_gmt":"2021-11-26T18:35:31","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=199286"},"modified":"2021-11-26T18:35:31","modified_gmt":"2021-11-26T18:35:31","slug":"dezastru-pentru-soferi-dupa-city-insurance-inca-o-firma-de-asigurari-renunta-sa-mai-vanda-rca","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=199286","title":{"rendered":"Dezastru pentru \u015foferi: Dup\u0103 City Insurance, \u00eenc\u0103 o firm\u0103 de asigur\u0103ri RENUN\u0162\u0102 s\u0103 mai v\u00e2nd\u0103 RCA"},"content":{"rendered":"<p>\n<span style=\"font-size: 12px;\">Uniqa Asigur\u0103ri, parte a grupului aus\u00adtriac Uniqa, a primit aprobarea Au\u00adto\u00adrit\u0103\u0163ii de Supraveghere Financia\u00adr\u0103 (ASF) de a ie\u015fi de pe pia\u0163a RCA, dup\u0103 ce City Insurance a intrat pe drumul fali\u00admen\u00adtului, iar segmentul RCA a in\u00adtrat \u00eentr-o perioad\u0103 agi\u00adta\u00adt\u0103, cu major\u0103ri de tarife.<\/span><\/p>\n<p>\nASF a transmis c\u0103 a aprobat \u201eretragerea, la ce\u00adrere, a autoriza\u0163iei pen\u00adtru practicarea asigur\u0103rii obli\u00adgatorii de r\u0103spundere ci\u00advil\u0103 auto pentru preju\u00addi\u00adcii produse ter\u0163ilor prin acci\u00adden\u00adte de vehicule \u015fi tram\u00adva\u00adie (RCA) acordat\u0103 so\u00adcie\u00adt\u0103\u0163ii Uniqa Asigur\u0103ri.\u201c<\/p>\n<p>\nCompaniile care vor r\u0103m\u00e2ne \u00een con\u00adtinuare pe zona RCA sunt Euro\u00adins, Allianz-\u0162iriac, Omniasig, Asirom, Grawe, Groupama \u015fi Generali. Cei \u015fapte juc\u0103tori au \u00eencheiat S1\/2021 cu un vo\u00adlum cumulat al subscrierilor de 1,19 mld. lei, reprezent\u00e2nd 53% din volumul total al subscrierilor pe pia\u0163a RCA de 2,25 mld. lei.<\/p>\n<p>\n\u00cen S1\/2021, conform raportului \u00een\u00adtoc\u00admit de ASF, City Insurance \u00eenc\u0103 fi\u00adgura \u00een clasamentul juc\u0103torilor din zo\u00adna RCA, cu subscrieri de 1,04 mld. lei, iar Uniqa \u00eenc\u0103 era prezent\u0103 pe pia\u0163a RCA, cu subscrieri de 17 mil. lei.<\/p>\n<p>\nUniqa Asigur\u0103ri a anu\u0163at spre finalul lunii septembrie inen\u0163ia de a ie\u015fi de pe semgentul RCA, motiv\u00e2nd c\u0103 de\u0163ine o cot\u0103 de pia\u0163\u0103 de doar 0,5%, iar din cauza faptului c\u0103 aceast\u0103 zona a adus mereu pierderi, mangementul companiei a decis s\u0103 \u00eenainteze o cerere de retragere a licen\u0163ei de RCA c\u0103tre ASF.<\/p>\n<p>\nAnaliz\u00e2nd evenimentele din ultimele luni de pe zona asigur\u0103rilor RCA, se poate observa cum pr\u0103bu\u015firea City Insurance, cel mai mare asigur\u0103tor din Rom\u00e2nia at\u00e2t la nivelul \u00eentregii pie\u0163e, c\u00e2t \u015fi din zona de RCA, a cauzat un val de efecte negative.<\/p>\n<p>\nPrintre aceste efecte putem observa cum pre\u0163urile la poli\u0163ele RCA s-au dublat sau chiar triplat \u00een unele cazuri at\u00e2t din nevoia pie\u0163ei de a compensa lipsa unui juc\u0103tor mare, dar \u015fi pentru a putea face fa\u0163\u0103 unui eventual val al \u015foferilor cu risc ridicat care ar putea lua cu asalt asigur\u0103torii r\u0103ma\u015fi pe zona de RCA. De\u015fi, legal, sunt solu\u0163ii care pot \u00eempiedica tarifarea exagerat\u0103 a unui \u015fofer cu risc ridicat, apel\u00e2nd la Biroul Asigur\u0103torilor de Autovehicule din Rom\u00e2nia (BAAR) de unde ar urma s\u0103 fie repartizat la un asigur\u0103tor, unde se ia \u00een calcul tariful de referin\u0163\u0103 al ASF plus un factor N, acest val al cre\u015fterilor pre\u0163urilor a st\u00e2rnit reac\u0163ii semnificative.<\/p>\n<p>\nPe l\u00e2ng\u0103 pre\u0163urile ridicate la RCA, majoritatea service-urilor au luat m\u0103suri \u00eenc\u0103 de c\u00e2nd se vehicula un posibil faliment al celui mare mare juc\u0103tor din pia\u0163a RCA. Refuzul repara\u0163iilor \u00een baza poli\u0163elor City Insurance \u00eenc\u0103 a r\u0103mas la unele service-uri, din frica de a nu-\u015fi primi banii.<\/p>\n<p>\nMai mult, presiunea creat\u0103 de aceast\u0103 gaur\u0103 l\u0103sat\u0103 \u00een urm\u0103 de City Insurance de 500 mil. euro, dar \u015fi a unui num\u0103r de pest 3 mil. de \u015foferi, a creat un motiv \u015fi mai mare pentru ca asigur\u0103torii RCA r\u0103ma\u015fi \u00een pia\u0163\u0103 s\u0103 se protejeze \u015fi mai mult.<\/p>\n<p>\nIe\u015firea de pe zona RCA a societ\u0103\u0163ii Uniqa Asigur\u0103ri ar putea fi abia \u00eenceputul, av\u00e2nd \u00een vedere \u015fi recentul proiect de lege prin care s-ar plafona pre\u0163urile la poli\u0163ele RCA la nivelul tarifelor de referin\u0163\u0103 ale ASF. Cu toate c\u0103 la solicitarea ZF, ASF nu a comentat ini\u0163iativele legislative parlamentare, M\u0103d\u0103lin Ro\u015fu, pre\u015fedintele BAAR, a spus s\u0103pt\u0103m\u00e2na trecut\u0103 pentru ZF c\u0103 aceast\u0103 ini\u0163iativ\u0103 ar putea obliga unele companii la faliment sau la ie\u015firea din pia\u0163\u0103.<\/p>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Uniqa Asigur\u0103ri, parte a grupului aus\u00adtriac Uniqa, a primit aprobarea Au\u00adto\u00adrit\u0103\u0163ii de Supraveghere Financia\u00adr\u0103 (ASF) de a ie\u015fi de pe pia\u0163a RCA, dup\u0103 ce City Insurance a intrat pe drumul fali\u00admen\u00adtului, iar segmentul RCA a in\u00adtrat \u00eentr-o perioad\u0103 agi\u00adta\u00adt\u0103, cu major\u0103ri de tarife. ASF a transmis c\u0103 a aprobat \u201eretragerea, la ce\u00adrere, a autoriza\u0163iei pen\u00adtru [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[331,60,8208,10044],"class_list":["post-199286","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-asigurari","tag-piata","tag-rca","tag-uniqa"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/199286","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=199286"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/199286\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=199286"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=199286"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=199286"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}