Kompanit\u00eb e sigurimeve ngrit\u00ebn \u00e7mimet e sigurimeve t\u00eb automjetve duke anashkaluar rekomandimet e FMN-s\u00eb, apo t\u00eb gjenin ndonj\u00eb alternativ\u00eb q\u00eb edhe p\u00ebr qytetar\u00ebt do t\u00eb ishte e pranueshme. E gjith\u00eb k\u00ebt\u00eb e b\u00ebn\u00eb me miratimin e BQK-s\u00eb dhe barr\u00ebn e mbajn\u00eb qytetar\u00ebt.
\nNga ky muaj filloi t\u00eb aplikohen primet e reja te policave t\u00eb sigurimeve t\u00eb autop\u00ebrgjegj\u00ebsis\u00eb. Sigurim ky i detyruesh\u00ebm. Rritja e aplikueshme do t\u00eb jet\u00eb 26%, e cila rritje \u00ebsht\u00eb aprovuar nga BQK dhe ka filluar zbatimin.
\nSipas BQK-s\u00eb kjo rritje ka qen\u00eb e pa shmangshme, e ndikuar nga disa faktor\u00eb; si inflacioni, numri i lart\u00eb i aksidenteve e cila p\u00ebrkthehet ndryshe n\u00eb pagesat e d\u00ebmeve. Gjithashtu n\u00eb disa komunikime \u00ebsht\u00eb prezentuar edhe si rekomandim i FMN-s\u00eb.
\nGjat\u00eb vitit 2016, Fondi monetar nd\u00ebrkomb\u00ebtar (FMN) kishte analizuar situat\u00ebn e kompanive t\u00eb sigurimit n\u00eb p\u00ebrfomanc\u00ebn e tyre jo t\u00eb mir\u00eb dhe kishte ardh n\u00eb disa rekomandime. Rekomandimi kryesor ishte ulja e shpenzimeve n\u00eb distribuim dhe marketing. Si dhe kostot nuk duhet t\u00eb tejkalon\u00eb 35% t\u00eb t\u00eb hyrave. Pavarsisht k\u00ebtij rekomandimi, shp\u00ebnzimet r\u00ebndojn\u00eb t\u00eb hyrat rreth 50%. K\u00ebto t\u00eb hyra jan\u00eb t\u00eb shkaktuara nga pagesat p\u00ebr agjent\u00eb q\u00eb merren me shitjen e policave t\u00eb sigurimit si kanal kryesor i shitjes s\u00eb sigurimeve. N\u00eb at\u00eb koh\u00eb, FMN kishte rekomanduar se pagesat p\u00ebr agjent\u00eb nuk mund t\u00eb jen\u00eb m\u00eb t\u00eb larta se 8% t\u00eb primit t\u00eb polic\u00ebs.
\nNj\u00eb problematik\u00eb tjet\u00ebr q\u00eb d\u00ebmtonte kompanit\u00eb e sigurimit ishte edhe tatimi i bazuar n\u00eb hyra. N\u00eb lidhje me k\u00ebt\u00eb organet shtet\u00ebrore ndryshuan k\u00ebt\u00eb dhe filluan aplikimin e tatimit ne fitim. Ky ndryshim padyshim se kishte nj\u00eb impakt pozitiv p\u00ebr kompanit\u00eb.
\nNga t\u00eb gjitha k\u00ebto rekomandime dhe tentime p\u00ebr t\u00eb ndryshuar, kompanit\u00eb vazhduan pothujase trendin e njejt\u00eb. Ku tani arrit\u00ebn n\u00eb cakun e ri n\u00eb rritjen e primit t\u00eb policave t\u00eb sigurimit.
\nA ishte kjo e vetmja alternative q\u00eb t\u00eb shp\u00ebtojn\u00eb kompanit\u00eb e sigurimit?
\nKompanit\u00eb e sigurimeve kan\u00eb tregun tyre shum\u00eb t\u00eb koncetruar n\u00eb produktet e sigurimit t\u00eb autop\u00ebrgjeg\u00ebsis\u00eb, i cili \u00ebsht\u00eb sigurim i detyruesh\u00ebm edhe me ligjet n\u00eb fuqi. Zakonisht edhe n\u00eb shtetet e zhvilluara \u00ebsht\u00eb nj\u00eb produkt q\u00eb sfidon kompanit\u00eb p\u00ebrshkak t\u00eb d\u00ebmeve t\u00eb larta q\u00eb ndodhin, por kompanit\u00eb e sigurimeve ne shtetet e zhvilluara kan\u00eb gam\u00eb t\u00eb gjer\u00eb t\u00eb produkteve dhe t\u00eb cilat konisderohen si fuqi financiare p\u00ebrshkak t\u00eb tepricave t\u00eb larta t\u00eb fondeve.
\nTri alternativa shum\u00eb t\u00eb r\u00ebnd\u00ebsishme, para se t\u00eb vedosej rritja e \u00e7mimit t\u00eb sigurimeve t\u00eb automjeteve;
\n1.\tKompanit\u00eb e sigurimeve duhet t\u00eb rrisnin fokusin p\u00ebr t\u00eb promovuar produktet tjera vullnetare t\u00eb cilat kan\u00eb jet\u00eb gjat\u00ebsi m\u00eb t\u00eb gjat\u00eb dhe ekspozim m\u00eb t\u00eb vog\u00ebl ndaj d\u00ebmeve. Kjo duhet t\u00eb arrihet n\u00ebp\u00ebrmjet formave t\u00eb promovimit dhe vet\u00ebdij\u00ebsimit qytetar, te cilat ndikojn\u00eb n\u00eb ndryshimin kultur\u00ebn ton\u00eb n\u00eb p\u00ebrgjith\u00ebsi.
\n2.\tBazuar n\u00eb at\u00eb se n\u00eb Kosov\u00eb numri i lart\u00eb i aksidenteve \u00ebsht\u00eb nj\u00eb faktor q\u00eb ka ndikuar n\u00eb rritjen e \u00e7mimit. N\u00eb k\u00ebt\u00eb rast BQK dhe kompanit\u00eb e sigurimeve duhet t\u00eb ndryshonin sitetemin e aplikuesh\u00ebm Bonus-Malus (Bonus zbritje e sigurim per ata qe nuk shkaktojn\u00eb aksidente, dhe Malus rritja e \u00e7mimit t\u00eb sigurimit p\u00eb rata q\u00eb kan\u00eb shkaktuar aksidente). Meq\u00eb nj\u00ebri nd\u00ebr shkaktar\u00ebt jan\u00eb numri i madh i aksidenteve at\u00ebher\u00eb \u00ebsht\u00eb dashur q\u00eb p\u00ebr shkaktar\u00ebt t\u00eb aplikohet tarif\u00eb m\u00eb e lart\u00eb e primit t\u00eb sigurimit. N\u00eb k\u00ebt\u00eb rast ndjesh\u00ebmria e rritjes s\u00eb cmimit t\u00eb ndikohet nga sistemi Malus sipas shkall\u00ebs s\u00eb aksidentit t\u00eb shkaktuar. Kjo do t\u00eb ndikonte ne rritjen e kujdesit t\u00eb qytetar\u00ebve.
\n3.\tOpcioni tjet\u00ebr dhe i cili p\u00ebrkon me rekomandimet e FMN. Kompanit\u00eb e sigurimeve duhet t\u00eb ndryshojn\u00eb m\u00ebnyr\u00ebn e distribuimit t\u00eb produkteve pasi q\u00eb shitja e produkteve n\u00ebp\u00ebrmjet agjent\u00ebve krijon shpenzime t\u00eb larta n\u00eb distribuim. Andaj kompanit\u00eb e sigurimeve duhet t\u00eb hulumtojn\u00eb kanale tjera t\u00eb distribuimit sic jan\u00eb: \u201cBankasurance\u201d (shtija e sigurimeve np\u00ebrmjet sistemit bankar). Kjo form\u00eb e cila \u00ebsht\u00eb mjaft e p\u00ebrhapur n\u00eb shtetet evropiane. Gjithashtu kanal tjet\u00ebr m\u00eb i lir\u00eb do t\u00eb ishte edhe shtija n\u00ebp\u00ebrmjet \u201cBroker\u00ebve\u201d.
\nDy q\u00ebshtjet q\u00eb po i r\u00ebndojn\u00eb sigurimet e autop\u00ebrgjegj\u00ebsis\u00eb jan\u00eb; numri i madh i veturave t\u00eb pa siguruara q\u00eb qarkullojn\u00eb n\u00eb komunikacion dhe numri i lart\u00eb i aksidenteve. P\u00ebr k\u00ebto p\u00ebrgjegj\u00ebse jan\u00eb organet e siguris\u00eb n\u00eb vend.<\/p>\n
Organet shtet\u00ebrore duhet t\u00eb nd\u00ebrmarrin masa strikte ndaj k\u00ebtyre dukurive negative. Fillimisht t\u00eb ndryshojn\u00eb gjobat n\u00eb trafik p\u00ebr veturat q\u00eb qarkullojn\u00eb pa sigurim dhe gjendje teknike jo t\u00eb mir\u00eb. Nd\u00ebshkimet duhet t\u00eb jen\u00eb shum\u00eb t\u00eb ndjeshme dhe zbatueshme n\u00eb p\u00ebrpik\u00ebri.
\nGjithashtu organet shtet\u00ebrore duhet t\u00eb ken\u00eb parasysh\u00eb se qytetar\u00ebt kan\u00eb edhe nje ngarkes\u00eb tjet\u00ebr n\u00eb tarifat p\u00ebr regjistrim e automjeteve dhe e cila duhet t\u00eb analizohet dhe t\u00eb shiqohen mundsit\u00eb \u00eb ndryshimit t\u00eb taksave p\u00ebr regjistrim t\u00eb automjeteve.<\/p>\n
Autori \u00ebsht\u00eb Doktor i shkencave ne Ekonomi, aktualisht \u00ebsht\u00eb profesor i lendeve ekonomike, 2 vite ka bartur l\u00ebnd\u00ebn e Ekonomise se sigurimeve!<\/p>\n","protected":false},"excerpt":{"rendered":"
Kompanit\u00eb e sigurimeve ngrit\u00ebn \u00e7mimet e sigurimeve t\u00eb automjetve duke anashkaluar rekomandimet e FMN-s\u00eb, apo t\u00eb gjenin ndonj\u00eb alternativ\u00eb q\u00eb edhe p\u00ebr qytetar\u00ebt do t\u00eb ishte e pranueshme. E gjith\u00eb k\u00ebt\u00eb e b\u00ebn\u00eb me miratimin e BQK-s\u00eb dhe barr\u00ebn e mbajn\u00eb qytetar\u00ebt. Nga ky muaj filloi t\u00eb aplikohen primet e reja te policave t\u00eb sigurimeve […]<\/p>\n","protected":false},"author":1,"featured_media":48755,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":{"0":"post-48754","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lajme"},"_links":{"self":[{"href":"https:\/\/radiostargjilan.com\/web\/wp-json\/wp\/v2\/posts\/48754","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/radiostargjilan.com\/web\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/radiostargjilan.com\/web\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/radiostargjilan.com\/web\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/radiostargjilan.com\/web\/wp-json\/wp\/v2\/comments?post=48754"}],"version-history":[{"count":0,"href":"https:\/\/radiostargjilan.com\/web\/wp-json\/wp\/v2\/posts\/48754\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/radiostargjilan.com\/web\/wp-json\/wp\/v2\/media\/48755"}],"wp:attachment":[{"href":"https:\/\/radiostargjilan.com\/web\/wp-json\/wp\/v2\/media?parent=48754"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/radiostargjilan.com\/web\/wp-json\/wp\/v2\/categories?post=48754"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/radiostargjilan.com\/web\/wp-json\/wp\/v2\/tags?post=48754"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}