Sistemul Bonus-Malus pentru politele RCA

Incepand cu 1 ianuarie 2010, societatile de asigurare aplica pentru persoanele fizice sistemul bonus-malus la tarifele de baza pe care le au stabilite. Sistemul bonus-malus se va aplica pentru orice asigurat sau utilizator persoana fizica si presupune plata unor prime de asigurare mai mari pentru soferii care au un istoric nefavorabil in ceea ce priveste daunalitatea, respectiv reduceri ale primelor pentru acei soferi care au un istoric bun.

Sistemul bonus-malus se va aplica pentru orice asigurat sau utilizator persoana fizica si presupune plata unor prime de asigurare mai mari pentru soferii care au un istoric nefavorabil in ceea ce priveste daunalitatea, respectiv reduceri ale primelor pentru acei soferi care au un istoric bun. Tarifele de prima aferente asigurarilor obligatorii RCA emise de la 1 ianuarie 2010 vor depinde de istoricul de daunalitate realizat de asiguratul/utilizatorul persoana fizica intr-o perioada de referinta.

 

Bonus

Aplicarea bonusului inseamna ca un asigurat care nu a produs daune in 2009 si incheie o polita pentru o perioada de un an va obtine, datorita sistemului bonus-malus, o reducere cu 10% a tarifului afisat de asigurator.

 

Intrucat normele CSA (Comisia de Supraveghere a Asigurarilor) reglementeaza existenta a 14 clase de bonus, rezulta ca, daca timp de sapte ani un asigurat nu a produs daune pe RCA, bonusul acordat poate ajunge la 50% (reducere de 50% la calcularea tarifului).

 

Malus

Pentru aplicarea unui malus pentru un asigurat/utilizator persoana fizica sunt luate in calcul evenimentele pentru care a fost platita cel putin o dauna in perioada de referinta, in temeiul politei RCA detinuta de acesta. Intr-o astfel de situatie, malus-ul se aplica indiferent de cine a condus vehiculul la data producerii accidentului, precum si indiferent de modul de protocolare a accidentului (prin proces verbal intocmit de politie sau prin constatare amiabila de accident).

 

Clauza de malus (majorarea primei) se aplica in functie de numarul de daune produse si platite, astfel ca se va aplica un coeficient de malus de 45% pentru un eveniment rutier si o majorare de pana la 200% in cazul celor care au produs mai multe accidente.

 

Exceptie

Coeficientul din sistemul bonus-malus al asiguratului nu este influentat doar in situatia in care, la momentul producerii evenimentului, vehiculul era insusit si folosit fara acordul proprietarului si acest lucru a fost sesizat in scris Politiei.

 

Normele puse in aplicare prin Ordinul CSA nr.21/2009 prevad faptul ca, in situatia in care un asigurat detine mai multe vehicule, sistemul bonus-malus se aplica distinct pentru fiecare vehicul. De asemenea, in cazul instrainarii/radierii vehiculului asigurat, stabilirea noii clase de bonus-malus pentru un vehicul nou-dobandit se face pornind de la clasa bonus-malus de care asiguratul a beneficiat anterior.

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                         COEFICIENTI AFERENTI CLASELOR DE BONUS-MALUS

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Clasa Bonus - Malus                             Coeficient aplicat asupra primei de asigurare (%)

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             B14                                                                                  50

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             B13                                                                                  53

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             B12                                                                                  56

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             B11                                                                                  59

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             B10                                                                                  62

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             B9                                                                                    65

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             B8                                                                                    68

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             B7                                                                                    71

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             B6                                                                                    74

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             B5                                                                                    78

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             B4                                                                                    82

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             B3                                                                                    86

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             B2                                                                                    90

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             B1                                                                                    95

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             B0                                                                                 100

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             M1                                                                                 105

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             M2                                                                                 110

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             M3                                                                                 120

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             M4                                                                                 130

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             M5                                                                                 145

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             M6                                                                                 160

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             M7                                                                                 180

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             M8                                                                                 200

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MODUL DE APLICARE A SISTEMULUI BONUS-MALUS IN FUNCTIE DE NUMARUL DE DAUNE

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                                                                            Clasele de reinnoire in functie de daunele observate

Clauza Bonus-Malus                      

                                                                        1 dauna             2 daune            3 daune sau mai multe

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             B14                                                         B10                    B7                        B4                       

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             B13                                                         B9                      B6                        B3

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             B12                                                         B8                      B5                        B2

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             B11                                                         B7                      B4                        B1

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             B10                                                         B6                      B3                        B0

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             B9                                                           B5                      B2                        M1

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             B8                                                           B4                      B1                        M2

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             B7                                                           B3                      B0                        M3

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             B6                                                           B2                      M1                        M4

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             B5                                                           B1                      M2                        M5

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             B4                                                           B0                      M3                        M6

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             B3                                                           M1                      M4                        M7

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             B2                                                           M2                      M5                        M8

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             B1                                                           M3                      M6                        M8

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             B0                                                           M4                      M7                        M8

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             M1                                                           M5                      M8                        M8

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             M2                                                           M6                      M8                        M8

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             M3                                                           M7                      M8                        M8

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             M4                                                           M8                      M8                        M8

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             M5                                                           M8                      M8                        M8

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             M6                                                           M8                      M8                        M8

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             M7                                                           M8                      M8                        M8

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             M8                                                           M8                      M8                        M8

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