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U organizaciji Nacionalnog Biroa Osiguravača Crne Gore održana prezentacija procesa Liberalizacije i deregulacija osiguranja autoodgovornosti
Podgorica, 12.10.2016.

Danas je u Hotelu Verde, u Podgorici, Nacionalni Biro Osiguravača Crne Gore (NBOCG) predstavio proces deregulacija i liberalizacija osiguranja autoodgovornosti na tržištu osiguranja u Crnoj Gori, a bilo je riječi i o tome šta građanima i crnogorskom društvu ovaj proces donosi. Gost NBOCG, Michael Brandstetter, predstavnik Austrijskog Udruženja Osiguravača VVO, je održao uvodnu prezentaciju sa posebnim osvrtom na Austrijska iskustva u deregulaciji tržišta Auto odgovornosti. Prezentacijom je objasnio i model registracije vozila u Austriji. O situaciji u Crnoj Gori na polju liberalizacije tržišta govorili su Boris Šaban, izvršni direktor (NBOCG) i istaknuti predstavnici branše osiguranja.

Kao što je poznato svim učesnicima u saobraćaju, osiguranje od odgovornosti za štete pričinjene trećim licima upotrebom motoronog vozila spada u kategoriju obaveznih osiguranja. Zakonom je propisana obaveza da svi učesnici u saobraćaju moraju imati sklopljen ugovor o osiguranju od odgovornosti za štete pričinjene trećim licima.

 

 

Prema riječima Borisa Šabana, izvršnog direktora NBOCG, tržište osiguranja autoodgovornosti u Crnoj Gori, spada u tzv. regulisana tržišta jer je premija osiguranja jedinstvena  i propisana je za za sve učesnike na tržištu.  Na ovaj način visina premije se definiše na osnovu ostvarenih rezultata tj. kretanja premije i šteta u određenom periodu, a sama premija se izračunava na osnovu načela aktuarske struke.

“Korištenjem ovih parametara, u regulisanom sistemu branša preko Udruženja predlaže  tarifu premije a regulator daje saglasnost za njegovu primjenu. Nakon toga sva osiguravajuća društva moraju da je primjenjuju bez izuzetka.

Svakako, najveća prednost ovog sitema je finansijska stabilnost tržišta, jer je premija izračunata na osnovu realnih parametara, a ne na osnovu komercijlnih projekcija pojedinih osiguravajućih društava. Na taj način se uvijek obezbeđuju sigurni prilivi  u  fondove za isplatu šteta. To je pogotovo bitno za tržišta u kojima obavezna osiguranja dominiraju u ukupnoj premiji, jer bi pad premije ove vrste osiguranja imao negativan uticaj na čitavo tržište.”-zaključuje Šaban.

O deregulaciji tržišta i šta ona, sušinski, znači Boris Šaban kaže da se tarifa premija, tj. visina premije utvrđuje od strane svakog osiguravajućeg društva pojedinačno.

“U ovakvim uslovima više nema zajedničke, tj. propisane premija za sva osiguranja. Društva na tržištu nastupaju individualno. U fokusu su sada pojedine ciljne grupe tržišta i nastojanje kompanija da iskoriti svoju tržišnu snagu i nadmoć. Kompanije se fokusiraju na svoje klijenete i njihove potrebe. Tržište se razvija jer se razvija i ponuda tj. broj proizvoda koje kompanije nude za klijente. Identifikuju se ciljne grupe klijenata,  stimuliše se bezbjednost jer klijenti koji ne prave štete uvijek su u fokusu kompanija i dobijaju najbolje uslove. Na taj način sami osiguranici imaju više mogućnosti izbora osiguranja, uvažavajući svoje potrebe.”-kazao je Šaban.

Iskustva iz okruženja pokazuju da je deregulacija tržišta dovela do drastičnog pada premije. U Hrvatskoj je npr. premija u prve dvije godine pala za 30 %. Borba za tržište je dovela do rapidnog pada premije koji u nekim slučajevima može da ugrozi i samu kompaniju za osiguranje. Ovo je naročito karakteristično za tržišta gdje dominiraju obavezna osiguranja, pa je branša osiguranja pred izuzetnim izazovima u koje donosi sa proces liberalizacije i deregulacije osiguranja autoodgovornosti u Crnoj Gori, koja počinje u avgustu naredne 2017. godine. Danas je konstantovano i da je uloga regulatra u ovim uslovima izuzetno bitna jer moraju konstantno pratiti finansijsku stabilnost svih kompanija i reagovati na prvi znak da kompanija ide prema nelikvidnosti.

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vrši obradu, obračun, isplatu šteta i naplatu regresnih zahtjeva po isplaćenim štetama po osnovu: - međunarodnih sporazuma o obaveznim osiguranjima u saobraćaju nastalim u zemlji i inostranstvu (zelena karta), - neosiguranih motornih i priključnih vozila i putnika u javnom saobraćaju, vazduhoplova i plovnih objekata, - zbog smrti, povrede tijela ili narušavanja zdravlja prouzrokovane upotrebom nepoznatog motornog vozila, vazduhoplova, plovnog objekta ili drugog prevoznog sredstva; - zahtjeva oštećenih lica koja nijesu štetu mogla naplatiti zbog prestanka rada društva za osiguranje kod koga su bila osigurana;