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Počinje sa primjenom Bonus-malus sistem

Podgorica 28.01.2015.

U skladu sa odlukom Skupštine Udruženja Nacionalni Biro Osiguravača Crne Gore (NBOCG) a na koju je Agencija za nadzor osiguranja dala saglasnot novi Sistem tarifa premija osiguranja autoodgovornosti stupa na snagu 01.02.2015. godine. Od ovog datuma počinje primjena sistema povećanja i smanjivanja premije osiguranja (bonus i malus) na sva novozaključena ili osiguranja koja se budu obnavljala (produžavala) za narednu godinu.

Suština bonus malus – sistema je da ukoliko osiguranik nije imao podnijetih (prijavljenih) zahtjeva za naknadu štete u toku jednogodišnjeg perioda osiguranja od autoodgovornosti, bez obzira na datum nastanka štete,  smanjenje premije (bonus) iznosi 5% godišnje, a najviše 30% od premije osnovnog premijskog razreda. Ukoliko je bilo podnijetih (prijavljenih) zahtjeva za naknadu štete u toku jednogodišnjeg perioda osiguranja od autoodgovornosti, bez obzira na datum nastanka štete, dolazi do povećanja premije  tj obračunava se malus.  Povećanje premije zavisi od broja prijavljenih šteta u prethodnom jednogodišnjem periodu , a može ići najviše do 210% od premije osnovnog premijskog razreda. Sistem  smanjenja odnosno povećanja premije (bonus – malus) primjenjuje se na osnovu podataka Informacionog centra ili na osnovu polise i potvrde društva za osiguranje koja sadrži podatke o prethodnom trajanju osiguranja i broju šteta koje su prijavljene u tom periodu, jedino ako nema podataka o osiguraniku u informacionom centru.

 

 

Od Borisa Šabana, izvršnog direktora NBOCG zaznajemo da je Skupština Udruženja zauzela stav da će svim osiguranicima koji od 01.02.2015.  produžavaju osiguranje biti odobren bonus (popust od 5%) tj. svrstaće se u premijski razred PR6 ovog predloga tarifa, sve do puštanja u rad Informacionog sistema a najkasnije do 01.02.2016. godine. Osiguranici koji prvi put zaključuju osiguranje će biti svrstani u osnovni premijsku razred PR7.

Bonus – malus sistem čini 13 premijskh razreda. Premijski razredi i visina premije u procentima od premije osnovnog premijskog razreda PR7 koji predstavlja 100% premije su:

P R E M I J S K I   R A Z R E D I

BONUS (POPUST)

OSNOVNI

MALUS (DOPLATAK)

PR1

PR2

PR3

PR4

PR5

PR6

PR7

PR8

PR9

PR10

PR11

PR12

PR13

PROCENAT PREMIJE OSIGURANJA OD OSNOVNOG PREMIJSKOG RAZREDA

70

75

80

85

90

95

100

115

130

150

170

190

210

Vlasnik (imalac), odnosno korisnik motornog i priključnog vozila, zavisno od toga da li prvi put zaključuje ili obnavlja (produžava) osiguranje razvrstava se u odgovarajući premijski razred od PR1 do PR13, odnosno od PR1 do PR6 ukoliko ima pravo na popust (bonus), a od PR8 do PR13 ukoliko je obavezan da plati doplatak (malus) u zavisnosti od broja prijavljenih šteta u prethodnom jednogodišnjem periodu trajanja osiguranja od autoodgovornosti, bez obzira na datum nastanka štete, koje je pričinio trećim licima za koje je odgovoran.

„Značaj početka primjene ovog sistema je  u tome što se na ovaj način  preventivno djeluje i utiče na povećanje bezbjednosti u saobraćaju jer se stimuliše  opreznije vožnja. Učesnici u saobraćaju  će na ovaj način biti motivisani da voze opreznije”- zaključuje Šaban.

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