{"id":201509,"date":"2022-02-17T08:32:27","date_gmt":"2022-02-17T08:32:27","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=201509"},"modified":"2022-02-17T08:32:27","modified_gmt":"2022-02-17T08:32:27","slug":"ce-s-a-intamplat-cu-peste-16-milioane-polite-city-insurance-din-cele-31-milioane-de-polite-din-2021","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=201509","title":{"rendered":"Ce s-a \u00eent\u00e2mplat cu peste 1,6 milioane poli\u0163e City Insurance din cele 3,1 milioane de poli\u0163e din 2021"},"content":{"rendered":"

\n\u2666 Dup\u0103 anun\u0163ul ASF privind deschiderea procedurii falimentului, City Insurance avea peste 3,1 milioane de poli\u0163e active.<\/strong><\/p>\n

\nCity Insurance, fostul lider al pie\u00ad\u0163ei asigur\u0103rilor \u015fi cel mai mare asi\u00adgur\u0103tor RCA, aflat acum \u00een pro\u00adce\u00addu\u00adr\u0103 de faliment, mai are 1,44 milioane de poli\u0163e active, \u00een condi\u0163iile \u00een care aproxi\u00admativ 1,6 milioane de poli\u0163e au ex\u00adpirat, \u00een timp ce 16.577 poli\u0163e au fost \u00eenchise din alte motive pre\u00adcum de\u00adnun\u0163are, ne\u00adplat\u0103 a ratei sca\u00addente sau radiere ve\u00adhi\u00adcul, a trans\u00admis Au\u00adto\u00adri\u00adta\u00adtea de Supra\u00adve\u00ad\u00adghe\u00adre Fi\u00adnan\u00adcia\u00adr\u0103 (ASF) la solici\u00adtarea ZF.<\/p>\n

\n\u201ePoli\u0163ele So\u00adcie\u00ad\u00adt\u0103\u0163ii de Asi\u00adgu\u00adra\u00adre-Reasigurare City Insurance au \u00eencetat ca urmare a \u00eemplinirii ter\u00adme\u00adnului de valabi\u00adli\u00adta\u00adte. Practic, acestea au expirat. Con\u00adform eviden\u0163elor trans\u00admise de societate, p\u00e2n\u0103 la aceast\u0103 dat\u0103, 16.577 de poli\u0163e au fost \u00eenchise din alte motive, precum: de\u00adnun\u0163are, \u00eenstr\u0103inare\/radiere vehicul, ne\u00adplat\u0103 rate scadente\u201c, au explicat reprezentan\u0163ii ASF.<\/p>\n

\nDin cele 1,44 milioane de poli\u0163e \u00eenc\u0103 active ale City Insurance, 1,12 mi\u00adlioane sunt poli\u0163e RCA \u015fi 321.630 sunt poli\u0163e non RCA.<\/p>\n

\nDe\u015fi a \u00eenceput num\u0103r\u0103toarea in\u00advers\u0103 \u00een ceea ce prive\u015fte valabili\u00adtatea aces\u00adtor poli\u0163e, dat fiind c\u0103 Tribunalul Bucu\u00adre\u015fti a demarat oficial proce\u00addu\u00adra de faliment a companiei City In\u00adsurance pe data de 9 februarie 2022, iar poli\u0163ele mai pot r\u0103m\u00e2ne valabile ma\u00adximum 90 de zi\u00adle, p\u00e2n\u0103 atunci po\u00adsi\u00adbilitatea ca do\u00adsa\u00adrele de daun\u0103 \u015fi ce\u00adrerile de plat\u0103 s\u0103 con\u00adtinue s\u0103 se adu\u00adne sunt foarte mari.<\/p>\n

\nFondul de Ga\u00adran\u00adtare a Asigu\u00adra\u00ad\u0163ilor (FGA), care a pre\u00adluat datele con\u00adtabile ale City In\u00adsurance odat\u0103 cu re\u00adtra\u00adgerea autori\u00adza\u00ad\u0163iei companiei de c\u0103tre ASF \u015fi promovarea pro\u00adce\u00addurii de fali\u00adment, a publicat do\u00adu\u0103 liste la \u00eence\u00adputul lunii decembrie 2021, \u00een care se reg\u0103seau num\u0103rul total al poli\u0163elor City Insurance \u015fi num\u0103rul total al dosarelor de daun\u0103 deschise de c\u0103tre p\u0103gubi\u0163ii City Insurance \u00een baza poli\u0163elor p\u00e2n\u0103 la momentul acela.<\/p>\n

\nAstfel, City Insurance avea atunci 3.133.398 poli\u0163e active \u015fi peste 191.000 dosare de daun\u0103 deschise.<\/p>\n

\n\"\"Av\u00e2nd \u00een vedere c\u0103 din cele peste 3,1 milioane de poli\u0163e au mai r\u0103mas 1,44 milioane, din care 1,12 milioane sunt pe zona RCA, iar din cele peste 191.000 dosare de daun\u0103 s-au solu\u0163ionat p\u00e2n\u0103 la data de 10 februarie 2022 un num\u0103r de 7.936, \u00eenseamn\u0103 c\u0103 mai sunt cel pu\u0163in 183.000 dosare de daun\u0103 deschise.<\/p>\n

\nDac\u0103 din cele 3,1 milioane de poli\u0163e s-au \u00eentocmit  aproximativ 191.000 dosare de daun\u0103, \u00eensemn\u00e2nd c\u0103 circa 6% din poli\u0163ele care erau active s-au transformat \u00een dosare de daun\u0103, pentru 1,44 milioane de poli\u0163e active acum, adic\u0103 jum\u0103tate din c\u00e2te erau \u00een urm\u0103 cu 5 luni, putem presupune c\u0103 cel pu\u0163in jum\u0103tate din dosarele de daun\u0103 care au fost \u00eentocmite pentru 3,1 milioane de poli\u0163e, respectiv circa 90.000, ar putea ap\u0103rea \u00een urm\u0103toarea perioad\u0103.<\/p>\n

\n\u00cen ceea ce prive\u015fte pl\u0103\u0163ile efectuate de FGA p\u00e2n\u0103 acum, de la data de 29 noiembrie 2021, momentul \u00een care au \u00eenceput pl\u0103\u0163ile, p\u00e2n\u0103 la data de 10 februarie 2022, FGA a efectuat pl\u0103\u0163i \u00een valoare total\u0103 de 55,57 mil. lei, pentru 7.936 cereri de plat\u0103. Conform estim\u0103rilor pe baza eviden\u0163elor contabile ale FGA, suma de plat\u0103 \u00een pentru p\u0103gubi\u0163ii City se ridic\u0103 la 1,53 mld. lei.<\/p>\n

\nPentru a veni \u00een \u00eent\u00e2mpinarea presiunii pe care p\u0103rbu\u015firea City o are \u015fi o va avea \u00een anii urm\u0103tori asupra FGA, ASF a adoptat o norm\u0103 prin care contribu\u0163iile companiilor de asigur\u0103ri generale la FGA au crescut cu 1,5 puncte procentuale, p\u00e2n\u0103 la 2,5% din subscrierile \u00eencasate.<\/p>\n

\nDe\u015fi contribu\u0163iile companiilor care activeaz\u0103 pe zona asigur\u0103rilor de via\u0163\u0103 r\u0103m\u00e2n deocamdat\u0103 la un nivel al contribu\u0163iilor de 0,4% din subscrierile \u00eencasate, majorarea pe zona asigur\u0103rilor generale se va resim\u0163i \u00een buzunarele rom\u00e2nilor \u00een condi\u0163iile \u00een care vor pl\u0103ti mai mult la poli\u0163ele de asigurare RCA sau de alt tip.<\/p>\n

\nFondurile de care dispune FGA sunt, \u00een generale, alimentate de contribu\u0163iile anuale ale asigur\u0103torilor, care de obicei sunt pl\u0103tite lunar pentru a p\u0103stra un flux constant de alimentare a Fondului. Av\u00e2nd \u00een vedere c\u0103 aceste contribu\u0163ii, care p\u00e2n\u0103 acum se aflau la un nivel de 1% pe zona asigur\u0103rilor generale \u015fi 0,4% pe zona asigur\u0103rilor de via\u0163\u0103 se reflect\u0103 de obicei \u00een pre\u0163ul oferit de asigur\u0103tori. Prin urmare, o majorare a contribu\u0163iilor, va avea un impact asupra pre\u0163ului poli\u0163elor, \u00een special pe zona sigur\u0103rilor auto.<\/p>\n

\nFalimentul City Insurance, cel mai mare asigur\u0103tor din pia\u0163\u0103, cu o cot\u0103 de pia\u0163\u0103 de peste 20% \u015fi aproape jum\u0103tate din pia\u0163a RCA, a produs un haos \u00een pia\u0163a asigur\u0103rilor, \u015fi \u00een special la nivelul segmentului RCA. Dup\u0103 retragerea autoriza\u0163iei de func\u0163ionare \u015fi anun\u0163ul ASF privind demararea promov\u0103rii procedurii de faliment a companiei, pre\u0163urile la poli\u0163ele RCA s-au dublat, chiar triplat.<\/p>\n

\nEfectele care au urmat dup\u0103 pr\u0103bu\u015firea City au fost grave, ca \u015fi \u00een cazul celorlalte companii falimentare Astra \u015fi Carpatica, care au avut probleme similare \u015fi au ajuns \u00een pragul falimentului. Diferen\u0163a dintre falimentele Astra \u015fi Carpatica \u015fi\u2020 cel al City Insurance este m\u0103rimea. City Insurance ajunsese la peste 3,1 milioane de poli\u0163e \u015fi afaceri de peste 2,3 mld. lei, c\u00e2t celelalte dou\u0103 companii falimentare, Astra \u015fi Carpatica la un loc.<\/p>\n

\n <\/p>\n","protected":false},"excerpt":{"rendered":"

City Insurance, fostul lider al pie\u00ad\u0163ei asigur\u0103rilor \u015fi cel mai mare asi\u00adgur\u0103tor RCA, aflat acum \u00een pro\u00adce\u00addu\u00adr\u0103 de faliment, mai are 1,44 milioane de poli\u0163e active, \u00een condi\u0163iile \u00een care aproxi\u00admativ 1,6 milioane de poli\u0163e au ex\u00adpirat, \u00een timp ce 16.577 poli\u0163e au fost \u00eenchise din alte motive pre\u00adcum de\u00adnun\u0163are, ne\u00adplat\u0103 a ratei sca\u00addente sau radiere ve\u00adhi\u00adcul, a trans\u00admis Au\u00adto\u00adri\u00adta\u00adtea de Supra\u00adve\u00ad\u00adghe\u00adre Fi\u00adnan\u00adcia\u00adr\u0103 (ASF) la solici\u00adtarea ZF.<\/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":[29947,10564,93,380,8208],"class_list":["post-201509","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-city-insurance","tag-daune","tag-plati","tag-polite","tag-rca"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/201509","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=201509"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/201509\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=201509"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=201509"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=201509"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}