\nAnul 2023 \u00eencepe cu o pia\u0163\u0103 a asigur\u0103rilor care se uit\u0103 \u00een continuare cu mare aten\u0163ie la segmentul RCA, care p\u00e2n\u0103 la finalul anului trecut a consemnat cre\u015fteri semnificative pe toate palierele, pre\u0163uri, subscrieri, ritm de cre\u015ftere \u015fi num\u0103r de companii active pe acest segment. Acum, cu o nou\u0103 majorare a contribu\u0163iilor asigur\u0103torilor la Fondul de Garantare a Asigura\u0163ilor (FGA) de la 2,5% la 4%, pre\u0163ul unei poli\u0163e RCA cel mai probabil va continua s\u0103 creasc\u0103 pentru c\u0103 aceast\u0103 presiune pe bugetele asigur\u0103torilor va fi inclus\u0103 \u00een pre\u0163ul poli\u0163elor. Dac\u0103 pre\u0163ul poli\u0163elor RCA \u00ee\u015fi continu\u0103 ascensiunea \u015fi pia\u0163a \u00een sine, \u00een ceea ce prive\u015fte volumul subscrierilor, ar putea atinge noi maxime anul acesta.<\/p>\n
\n\u00cen ultimii doi ani, pia\u0163a RCA a fost principalul segment urm\u0103rit at\u00e2t de \u00eentreaga pia\u0163\u0103 a asigur\u0103rilor, c\u00e2t \u015fi de autorit\u0103\u0163i \u015fi clien\u0163i. De la anun\u0163ul privind falimentul City Insurance din septembrie 2021 p\u00e2n\u0103 \u00een prezent, pia\u0163a RCA a crescut exponen\u0163ial din perspectiva subscrierilor, dar \u00een acela\u015fi timp \u015fi pre\u0163ul unei poli\u0163e RCA a ajuns de la simplu la dublu, chiar triplu.<\/p>\n
\n\u00cen timp ce asigur\u0103torii \u015fi-au ref\u0103cut strategii, au \u00eenceput s\u0103 se pozi\u0163ioneze mai bine pe pia\u0163a RCA, iar al\u0163i juc\u0103tori noi \u015fi-au f\u0103cut loc v\u0103z\u00e2nd oportunitate dup\u0103 pr\u0103bu\u015firea City Insurance, clien\u0163ii au trecut printr-o serie de provoc\u0103ri majore. Pe l\u00e2ng\u0103 crizele suprapuse cu care \u00eentreaga lume se confrunt\u0103, \u015foferii din Rom\u00e2nia au trebuit s\u0103 \u00ee\u015fi recalculeze bugetele pentru ma\u015finile lor din cauza unor cre\u015fteri substan\u0163iale ale pre\u0163urilor la poli\u0163ele RCA.<\/p>\n
\nZF a urm\u0103rit un exemplu al unui \u015fofer cu o v\u00e2rst\u0103 \u00eentre 25 \u015fi 30 de ani care de\u0163ine un autoturism marca Renault Megane, cu o capacitate cilindric\u0103 de 1.590 cmc, fabricat \u00een anul 2016, care \u00een luna octombrie 2021 se afla la o clas\u0103 de bonus-malus B0.<\/p>\n
\nAceast\u0103 clas\u0103 \u00eenseamn\u0103 c\u0103 la oferta ob\u0163inut\u0103 de la asigur\u0103torii RCA nu se ia \u00een calcul niciun fel de reducere pentru c\u0103 \u015foferul se afl\u0103 la prima poli\u0163\u0103 RCA, urm\u00e2nd s\u0103 dovedeasc\u0103 c\u0103 merit\u0103 s\u0103 ob\u0163in\u0103 reduceri progresiv pentru fiecare an \u00een care nu se implic\u0103 \u00een niciun accident rutier. Dup\u0103 doi ani \u00een care \u015foferul a avansat de la B0 la B2, \u00een loc s\u0103 aib\u0103 o ofert\u0103 la poli\u0163a RCA mai mic\u0103 cu 10% din partea asigur\u0103torilor, cea mai ieftin\u0103 poli\u0163\u0103 din interogarea f\u0103cut\u0103 de ZF pe o platform\u0103 de brokeraj era cu cel pu\u0163in 2% mai scump\u0103.<\/p>\n","protected":false},"excerpt":{"rendered":"
Anul 2023 \u00eencepe cu o pia\u0163\u0103 a asigur\u0103rilor care se uit\u0103 \u00een continuare cu mare aten\u0163ie la segmentul RCA, care p\u00e2n\u0103 la finalul anului trecut a consemnat cre\u015fteri semnificative pe toate palierele, pre\u0163uri, subscrieri, ritm de cre\u015ftere \u015fi num\u0103r de companii active pe acest segment. Acum, cu o nou\u0103 majorare a contribu\u0163iilor asigur\u0103torilor la Fondul […]<\/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":[8225,8208],"class_list":["post-212635","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-analiza","tag-rca"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/212635","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=212635"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/212635\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=212635"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=212635"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=212635"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}