De altfel, diferen\u021bele sunt semnificative pe toate segmentele de clien\u021bi, \u00een ciuda faptului c\u0103 asigur\u0103torii s-au pl\u00e2ns c\u0103 nivelurile impuse prin lege sunt mai mici dec\u00e2t cele care le-ar permite s\u0103 v\u00e2nd\u0103 \u00een condi\u021bii de profitabilitate. \u00cen jocul RCA nu intr\u0103 doar firmele absolut dependente de acest tip de asigurare, ci \u0219i firme mult mai diversificate, arat\u0103 datele consultate de Profit.ro.<\/p>\n
Exist\u0103 cel pu\u021bin doi factori tehnici care genereaz\u0103 diferen\u021bele dintre tarifele maxime \u0219i pre\u021burile efective de v\u00e2nzare, \u00eens\u0103 ace\u0219tia constituie doar o explica\u021bie par\u021bial\u0103.<\/p>\n
\u00cen primul r\u00e2nd,\u00a0tarifele maxime definite prin Hot\u0103r\u00e2re de Guvern se refer\u0103 la vehiculele \u00eencadrate \u00een categoria B0, iar majoritatea celor care cump\u0103r\u0103 RCA (\u00een jur de 55-60%) sunt \u00eencadra\u021bi \u00eentr-o categorie de bonus, av\u00e2nd \u00een vedere istoricul f\u0103r\u0103 daune.<\/p>\n
Aceasta \u00eenseamn\u0103 c\u0103 mare parte din \u0219oferi primesc automat un tarif redus fa\u021b\u0103 de cel standard.\u00a0 Totu\u0219i, aceast\u0103 reducere nu este, \u00een cele mai multe cazuri, mai mare de 15-20%, iar diferen\u021bele dintre tarifele medii de v\u00e2nzare \u0219i plafonul de pre\u021b ajung, arat\u0103 datele consultate de Profit.ro, \u0219i la 60-70%.<\/p>\n
O a doua explica\u021bie tehnic\u0103 \u00een ceea ce prive\u0219te diferen\u021bele de tarif \u021bine de faptul c\u0103, pe segmentele unde aveau tarife mai mici dec\u00e2t plafonul, asigur\u0103torii nu au mai f\u0103cut modific\u0103ri dup\u0103 introducerea tarifului maxim.<\/p>\n
\u0218oferul tipic din Rom\u00e2nia, cel cu v\u00e2rsta \u00eentre 31 \u0219i 40 de ani care conduce un automobil cu capacitate cilindric\u0103 \u00eentre 1,6 \u0219i 1,8 litri, scoate din buzunar \u00een jur de 500 de lei pentru asigurare, de\u0219i plafonul p\u00e2n\u0103 la care ar putea merge asigur\u0103torii este de 784 de lei, mai arat\u0103 datele Profit.ro.<\/p>\n
\u0218i \u00een cazul tinerilor diferen\u021bele sunt semnificative. \u0218oferii sub 25 de ani, de exemplu, dau pu\u021bin peste 1.000 de lei, de\u0219i tariful maxim se apropie de 1.300 de lei.<\/p>\n","protected":false},"excerpt":{"rendered":"
Majoritatea \u0219oferilor cu v\u00e2rsta \u00eentre 31 \u0219i 40 de ani care conduc cele mai comune ma\u0219ini din Rom\u00e2nia nu pl\u0103tesc<\/p>\n","protected":false},"author":1,"featured_media":17043,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":""},"categories":[1],"tags":[],"class_list":["post-20297","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"jetpack_featured_media_url":"https:\/\/i2.wp.com\/realitatearutiera.ro\/wp-content\/uploads\/2016\/12\/rca-.jpg?fit=500%2C375&ssl=1","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p61naM-5hn","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/20297","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=20297"}],"version-history":[{"count":1,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/20297\/revisions"}],"predecessor-version":[{"id":20298,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/20297\/revisions\/20298"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/media\/17043"}],"wp:attachment":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=20297"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=20297"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=20297"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}