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Udruženje Nacionalni biro osiguravača Crne Gore usvojilo Kodeks ponašanja u poslovima obaveznih osiguranja i Pravilnik o arbitraži

Podgorica, 28. septembar 2011.

Na nedavno održanoj skupštini Udruženja Nacionalni biro osiguravača Crne Gore (NBOCG), kojom predsjedava dr Radenko Purić,

usvojeni su Kodeks ponašanja u poslovima obaveznih osiguranja i Pravilnik o arbitraži.

 

Usvajanjem ovih akata su ispunjene obaveze NBOCG-a, propisane Zakonom o obaveznom osiguranju u saobraćaju i Statutom NBOCG.

Od Borisa Šabana, izvršnog direktora NBOCG, saznajemo da Kodeks ponašanja u poslovima obaveznih osiguranja sadrži jasne odredbe kojima se utvrđuju standardi (pravila) profesionalnog ponašanja društava za osiguranje, društava za reosiguranje, drugih pravnih i fizičkih lica koja obavljaju poslove neposredno povezane sa poslovima obaveznih osiguranja i njihovih udruženja u skladu sa pravilima struke osiguranja, dobrim poslovnim običajima, poslovnim moralom i propisima kojima su uređeni poslovi obaveznih osiguranja. Kodeksom se regulišu i vidovi profesionalnog ponašanja osiguravača, posrednika osiguranja i udruženja u cilju unapređivanja pravila struke osiguranja i pravila konkurencije koja su potrebna i priznata u sistemu tržišnog osiguranja, radi zaštite osiguranika, trećih oštećenih lica i drugih korisnika osiguranja u skladu sa propisima.

Kodeks, nizom odredbi, jasno definiše segmente mogućih povreda ovako utvrđenog ponašanja kroz: povredu konkurencije na tržištu osiguranja, nelojalnu konkurenciju, neprofesionalno ponašanje, špekulacije u poslovima osiguranja, odnos prema klijentu i saradnju osiguravača na unapređenju pravila profesionalnog ponašanja u poslovima obaveznih osiguranja.

O kaznenim odredbama propisanim Kodeksom Šaban kaže: “Nakon usvajanja Kodeksa NBOCG  će organizovati sistematsku aktivnost na podizanju poslovnog morala djelujući prije svega na učesnike u poslovima osiguranja kao i na stvaranje javnog mnjenja u cilju energične osude u slučajevima kršenja poslovnog morala. Mjere za povredu Kodeksa su: opomena sa objavljivanjem na Skupštini NBOCG, javna opomena sa objavljivanjem u jednom štampanom dnevnom listu i javna opomena sa objavljivanjem u više štampanih dnevnih listova, kao i zaštitna mjera zabrane učešća u radu u organima i tijelima NBOCG. Za izricanje mjera za povredu pravila iz ovog kodeksa nadležana je Arbitraža pri NBOCG, čiji su članovi afirmisani stručnjaci iz oblasti osiguranja, privrednih sudova, naučnih i stručnih radnika sa instituta, fakulteta i drugih institucija koje se bave problemima poslova osiguranja .”

Skupština je usvojila i Pravilnik o arbitraži, kojim se definišu načini utvrđivanja odgovornosti i izriču mjere društvima za osiguranje i drugim subjektima koji obavljaju poslove obaveznih osiguranja, zbog povrede poslovne etike i dobrih poslovnih običaja u skladu sa odredbama Kodeksa o ponašanju.

„Usvajanjem ovih akata pored ispunjenja zakonske obaveze branša osiguranja je dobila instrumente za mjerenje poslovnog morala na tržištu osiguranja, što će svakako determinisati dalje aktivnosti na konačnom i potpunom uređenju ovog segmenta privredne i uopšte društvene aktivnosti, a na zadovoljstvo kako same branše osiguranja, tako i konzumenata njenih usluga, tj. samih građana Crne Gore.“ – zaključuje Šaban.

 

KODEKS PONAŠANJA U POSLOVIMA OBAVEZNIH OSIGURANJA (DOWNLOAD)

PRAVILNIK O ARBITRAŽI (DOWNLOAD)

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en_GBEN me_MEME
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;