{"id":59118,"date":"2020-01-23T09:29:34","date_gmt":"2020-01-23T07:29:34","guid":{"rendered":"http:\/\/realitatearutiera.ro\/?p=59118"},"modified":"2020-01-23T09:29:40","modified_gmt":"2020-01-23T07:29:40","slug":"rca-2020-informatii-necesare-pentru-calculul-clasei-bonus-malus","status":"publish","type":"post","link":"https:\/\/realitatearutiera.ro\/?p=59118","title":{"rendered":"RCA 2020: Informa\u021bii necesare pentru calculul clasei bonus-malus"},"content":{"rendered":"\n<p> \u0218oferii care \u00eencheie asigurarea RCA \u00een 2020 trebuie s\u0103 \u0219tie c\u0103 pot beneficia de reduceri la plata primelor (sau dimpotriv\u0103, pot fi penaliza\u021bi), \u00een func\u021bie de clasa bonus-malus \u00een care sunt \u00eencadra\u021bi. <\/p>\n\n\n\n<p>\u00cen esen\u021b\u0103, sistemul bonus-malus permite \u0219oferilor care nu au provocat daune cu ma\u0219ina proprie \u00een anul anterior s\u0103 beneficieze de o reducere a pre\u021bului pe care ace\u0219tia \u00eel pl\u0103tesc pentru o poli\u021b\u0103 RCA. Pe de alt\u0103 parte, \u0219oferii care au avut totu\u0219i evenimente rutiere \u00een anul anterior vor fi nevoi\u021bi s\u0103 pl\u0103teasc\u0103 un pre\u021b mai mare pentru cump\u0103rarea unei asigur\u0103ri RCA. \u00cen func\u021bie de num\u0103rul evenimentelor nepl\u0103cute, ace\u0219tia vor pl\u0103ti din ce \u00een ce mai mult.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.promotor.ro\/stiri-auto\/asigurarea-rca-2020-cat-vor-plati-romanii-anul-acesta-pentru-asigurarea-auto-18626631\">Tariful poli\u021bei RCA<\/a>&nbsp;este influen\u0163at de sistemul bonus-malus, astfel c\u0103 reducerea de pre\u0163 poate varia \u00eentre 5 \u015fi 50%, \u00een timp ce penaliz\u0103rile pot aduce major\u0103ri de pre\u0163 \u00eentre 10 \u015fi 80%. Potrivit normei ASF, coeficien\u021bii aferen\u021bi claselor de bonus-malus aplicabile \u00een 2020 sunt:<\/p>\n\n\n\n<p><strong>Reduceri de pre\u0163 RCA pentru clasa bonus-malus B1-B8<\/strong><\/p>\n\n\n\n<p>Clasa BONUS\/MALUS B1 \u2013 DISCOUNT 5%<br>Clasa BONUS\/MALUS B2 \u2013 DISCOUNT 10%<br>Clasa BONUS\/MALUS B3 \u2013 DISCOUNT 15%<br>Clasa BONUS\/MALUS B4 \u2013 DISCOUNT 20%<br>Clasa BONUS\/MALUS B5 \u2013 DISCOUNT 25%<br>Clasa BONUS\/MALUS B6 \u2013 DISCOUNT 30%<br>Clasa BONUS\/MALUS B7 \u2013 DISCOUNT 40%<br>Clasa BONUS\/MALUS B8 \u2013 DISCOUNT 50%<\/p>\n\n\n\n<p><strong>Cre\u015fteri de pre\u0163 RCA pentru clasa bonus-malus M1-M8<\/strong><\/p>\n\n\n\n<p>Clasa BONUS\/MALUS M1 \u2013 MAJORARE 10%<br>Clasa BONUS\/MALUS M2 \u2013 MAJORARE 20%<br>Clasa BONUS\/MALUS M3 \u2013 MAJORARE 30%<br>Clasa BONUS\/MALUS M4 \u2013 MAJORARE 40%<br>Clasa BONUS\/MALUS M5 \u2013 MAJORARE 50%<br>Clasa BONUS\/MALUS M6 \u2013 MAJORARE 65%<br>Clasa BONUS\/MALUS M7 \u2013 MAJORARE 70%<br>Clasa BONUS\/MALUS M8 \u2013 MAJORARE 80%<\/p>\n\n\n\n<p>Sistemul bonus-malus e format din categoria de baz\u0103 B0, ce este atribuit\u0103 unui asigurat nou, f\u0103r\u0103 istoric \u00een asigurare, plus opt clase de bonus \u0219i opt clase de malus. La stabilirea reducerilor sau a penaliz\u0103rilor, asigur\u0103torii RCA vor lua \u00een calcul accidentele pentru care se pl\u0103tesc daune \u0219i pentru care conduc\u0103torul este responsabil par\u021bial sau total \u00een anul anterior intr\u0103rii \u00een vigoare a contractului RCA.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cum se calculeaz\u0103 clasa bonus-malus<\/h2>\n\n\n\n<p>Dac\u0103 nu au evenimente rutiere din vina lor \u00een perioada de referin\u021b\u0103, \u0219oferii avanseaz\u0103 o clas\u0103 de bonus-malus \u0219i se pot bucura de o reducere a pre\u021bului poli\u021bei RCA. \u00cen cazul \u00een care \u00een aceea\u0219i perioad\u0103 de referin\u021b\u0103 sunt \u00eenregistrate daune provocate de un \u0219ofer, acesta va fi nevoit s\u0103 pl\u0103teasc\u0103 mai mult pentru \u00eencheierea unei asigur\u0103ri RCA. Mai exact, \u0219oferul aflat \u00een aceast\u0103 situa\u021bie va fi penalizat cu sc\u0103derea a dou\u0103 clase pentru fiecare eveniment pentru care s-a pl\u0103tit o desp\u0103gubire. Practic sistemul recompenseaz\u0103 \u0219oferii cu o clas\u0103 de bonus pentru fiecare an f\u0103r\u0103 daune \u0219i \u00eel penalizeaz\u0103 cu dou\u0103 clase de malus pentru fiecare eveniment decontat de asigurator.<\/p>\n\n\n\n<p>sursa: promotor.ro<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0218oferii care \u00eencheie asigurarea RCA \u00een 2020 trebuie s\u0103 \u0219tie c\u0103 pot beneficia de reduceri la plata primelor (sau dimpotriv\u0103,<\/p>\n","protected":false},"author":1,"featured_media":59120,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":""},"categories":[6],"tags":[],"class_list":["post-59118","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-social"],"jetpack_featured_media_url":"https:\/\/i2.wp.com\/realitatearutiera.ro\/wp-content\/uploads\/2020\/01\/rca.jpg?fit=640%2C392&ssl=1","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p61naM-fnw","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/59118","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=59118"}],"version-history":[{"count":1,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/59118\/revisions"}],"predecessor-version":[{"id":59121,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/59118\/revisions\/59121"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/media\/59120"}],"wp:attachment":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=59118"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=59118"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=59118"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}