Od prvog februara počinje primjena bonus-malus sistema

NBOCG najavio novi sistem tarifiranja osiguranja autoodgovornosti

Podgorica 29.01.2016.

“Od prvog februara ove godine, počinje sa praktičnom primjenom Sistem tarifa premija osiguranja autoodgovornosti, što znači da se od ovog datuma počinje primjenjivati i bonus – malus sistem na sva novozaključena ili osiguranja koja se budu obnavljala (produžavala) za narednu godinu.” – saopštio je na današnjoj press konferenciji, održanoj u Biznis-press centru Prisma korporativnih komunikacija, Boris Šaban, izvršni direktor NBOCG.

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, povećanje premije (malus) zavisi od broja prijavljenih šteta, a najviše 210% od premije osnovnog premijskog razreda.

Sistem  smanjenja odnosno povećanja premije (bonus – malus) primjenjuje se na osnovu podataka Informacionog centra NBOCG 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.

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:

Praktični primjeri premijskih razreda za putnička vozila:

“Sistemom bonus-malus generalno se utiče na povećanje bezbjednosti u saobraćaju jer se stimuliše opreznije vožnja. Savjesni vozači će na ovaj način biti stimulisani a nesavjesni sankcionisani. Značaj početka primjene ovog sistema i u tome što se na ovaj način  preventivno djeluje  na smanjenje prevara u osiguranju jer se sankioniše prijavljivanje nepostojećih malih šteta kroz Evropski izvještaj. Inače, sistem bonus malus počeo je sa djelimičnom primjenom 01.02.2015 godine, od kada su svi osiguranici dobili po 5% popusta na premiju i svrastani u premijski razred PR6.” – zaključio je Šaban.

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