\nUniunea Na\u0163ional\u0103 a Societ\u0103\u0163ilor de Asigurare \u015fi Reasigurare din Rom\u00e2nia (UNSAR), Biroul Asigur\u0103torilor de Autovehicule din Rom\u00e2nia (BAAR) \u015fi Patronatul Industriei Asigur\u0103torilor din Rom\u00e2nia (PIAR) au luat not\u0103 de proiectul de Hot\u0103r\u00e2re de Guvern care instituie o plafonare pe termen de 6 luni a tarifelor de prim\u0103 la asigur\u0103rile RCA, preciz\u00e2nd c\u0103 nu pot fi de acord cu proiectul \u201ecare \u00eencalc\u0103 \u00een mod evident legisla\u0163ia european\u0103, este lipsit de fundament economic \u015fi ambiguu pe anumite aspecte, risc\u00e2nd s\u0103 destabilizeze \u015fi mai mult pia\u0163a de asigur\u0103ri RCA\u201d.<\/p>\n
\nLegisla\u0163ia trebuie modificat\u0103, spun principalii asigur\u0103tori, dar are nevoie de un pachet de m\u0103suri mai amplu care s\u0103 fie discutat \u00eempreun\u0103 cu toate p\u0103r\u0163ile direct implicate.<\/p>\n
\n\u201eExist\u0103 solu\u0163ii esen\u0163iale pentru o pia\u0163\u0103 func\u0163ional\u0103 \u015fi atractiv\u0103 dedicat\u0103 consumatorilor:<\/p>\n
\n– \u00cendreptarea articolelor specifice din Legea nr. 132\/2017 care nu permit asigur\u0103torului un control al costurilor, conduc\u00e2nd astfel la dezechilibre importante \u00een func\u0163ionarea normal\u0103 a pie\u0163ei de asigur\u0103ri bazat\u0103 pe competitivitate, profitabilitate \u015fi pruden\u0163ialitate.<\/p>\n
\n– Demararea unui proiect na\u0163ional ce vizeaz\u0103 reducerea frecven\u0163ei \u015fi gravit\u0103\u0163ii accidentelor rutiere \u015fi adoptarea unor m\u0103suri urgente de cre\u015ftere a gradului de cuprindere \u00een asigurare \u015fi de combatere real\u0103 a fraudelor care s\u0103 vin\u0103 imediat \u015fi eficient \u00een sprijinul eforturilor deja existente \u00een aceast\u0103 zon\u0103. Practic, la fiecare 100 de ma\u015fini \u00eenmatriculate \u00een \u0163ara noastr\u0103, cel pu\u0163in 6 produc accidente \u00een trafic soldate cu pagube materiale sau v\u0103t\u0103m\u0103ri corporale \u015fi decese, comparativ cu 4,08% – frecven\u0163a \u00eenregistrat\u0103 \u00een Bulgaria, 3,2% \u00een Polonia, 2,7% \u00een Cehia, 2,3% \u00een Ungaria \u015fi 1,65% \u00een Croa\u0163ia. UNSAR, BAAR \u015fi PIAR s-au angajat \u00eentr-un astfel de demers, \u015fi se declar\u0103 deschi\u015fi \u00een a colabora cu alte organiza\u0163ii \u015fi institu\u0163ii publice \u00een acest sens\u201d, arat\u0103 sursa citat\u0103.<\/p>\n
\nAsigur\u0103torii subliniaz\u0103 c\u0103 la o solu\u0163ie similar\u0103 s-a mai apelat \u015fi \u00een anul 2016, tot printr-un HG, c\u00e2nd s-au plafonat tarifele de prim\u0103 RCA: \u201eRealitatea a demonstrat c\u0103 nu a fost o solu\u0163ie benefic\u0103 nici pentru pia\u0163a de asigur\u0103ri din Rom\u00e2nia \u015fi nici pentru asigura\u0163ii \u015fi persoanele prejudiciate deopotriv\u0103, mediul concuren\u0163ial a fost grav afectat, iar Rom\u00e2nia s-a confruntat \u00een 2021 \u015fi 2023 cu un faliment \u015fi o insolven\u0163\u0103 de o magnitudine mult mai mare dec\u00e2t falimentele anterioare din industria de asigur\u0103ri. \u00cen plus, trebuie reamintit c\u0103 \u00eempotriva Rom\u00e2niei s-a declan\u015fat procedura de infringement care a \u00eencetat abia dup\u0103 ce s-a renun\u0163at la interven\u0163ia statului \u00een politica de pre\u0163uri a societ\u0103\u0163ilor de asigurare. Totodat\u0103, reamintim faptul c\u0103 \u00een prezent, de\u015fi num\u0103rul de vehicule \u00eenmatriculate a dep\u0103\u015fit 10 milioane, num\u0103rul asigur\u0103torilor RCA activi din Rom\u00e2nia este de doar 8 (ca termen de compara\u0163ie, Cehia are 12 la o pia\u0163\u0103 de aproximativ 6 milioane de vehicule). Mai mult, se pune \u00eentrebarea dac\u0103 ac\u0163ionarii sunt dispu\u015fi \u00een continuare s\u0103 investeasc\u0103 \u00eentr-un mediu de business impredictibil \u015fi \u00eentr-o pia\u0163\u0103 RCA marcat\u0103 de 4 falimente \u00een ultimii 8 ani, \u00een contextul \u00een care costul de capital necesar, raportat la expunere, pentru a \u00eendeplini cerin\u0163ele de solvabilitate, este \u00een cre\u015ftere\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"
Plafonare pe termen de 6 luni a tarifelor de prim\u0103 la asigur\u0103rile RCA este lipsit de fundament economic \u015fi risc\u0103 s\u0103 destabilizeze \u015fi mai mult pia\u0163a de asigur\u0103ri RCA, afirm\u0103 principalii asigur\u0103tori.<\/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":[11848,8208],"class_list":["post-214422","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-asiguratori","tag-rca"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/214422","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=214422"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/214422\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=214422"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=214422"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=214422"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}