Acest mecanism intervine dac\u0103 ofertele din pia\u021b\u0103 dep\u0103\u0219esc un anumit nivel. Autoritatea de Supraveghere Financiar\u0103 (ASF) a actualizat sistemul de calcul al pre\u021bului pentru asigur\u0103ri, la propunerea Biroului Asigur\u0103torilor Auto (BAAR).<\/p>\n\n\n\n Din datele oficiale, zeci de mii de rom\u00e2ni au apelat deja la sistemul asiguratului cu risc ridicat pentru a ob\u021bine un pre\u021b mai bun pentru poli\u021ba RCA. Mai exact, \u0219oferii pot apela la BAAR pentru a fi repartiza\u021bi c\u0103tre un asigur\u0103tor care s\u0103 le v\u00e2nd\u0103 RCA la un anumit pre\u021b, dac\u0103 se \u00eendeplinesc urm\u0103toarele condi\u021bii:<\/p>\n\n\n\n -Exist\u0103 cel putin 3 oferte de asigurare aflate \u00een perioada de valabilitate primite de la asigur\u0103tori RCA diferi\u021bi.<\/p>\n\n\n\n -Ofertele sunt calculate pentru perioade de asigurare de 12 luni.<\/p>\n\n\n\n -Toate primele de asigurare din ofertele primite, sunt mai mari, la data formul\u0103rii respectivelor oferte, dec\u00e2t tariful de referinta pentru vehicul X.<\/p>\n\n\n\n Practic aceste lucruri r\u0103m\u00e2n \u00een acelea\u015fi condi\u0163ii, dar se schimb\u0103, \u00eens\u0103, regulile \u00een ceea ce prive\u0219te stabilirea pre\u021bului la care urmeaz\u0103 s\u0103 fie achizi\u021bionat RCA de c\u0103tre clientul cu risc ridicat.<\/p>\n\n\n\n \u201eAstfel, dac\u0103 anterior datei de 12.12.2022, alocarea asiguratului cu risc ridicat se f\u0103cea la un tarif calculat conform formulei \u201c: Tariful de referin\u021b\u0103 la care se \u00eencadreaz\u0103 X36%, \u00een prezent alocarea se face de c\u0103tre BAAR \u00eempreun\u0103 cu un tarif recomandat calculat dup\u0103 o alt\u0103 formul\u0103, \u00een care ponderea tarifului de referin\u021b\u0103 este mai mic\u0103.<\/p>\n\n\n\n Formula este urm\u0103toarea: Pr= [Tr+(P1+P2+P3):3]: 2<\/p>\n\n\n\n Pr- Prima de asigurare recomandat\u0103.<\/p>\n\n\n\n Tr- Tariful de referin\u021b\u0103 la care se \u00eencadreaz\u0103 solicitantul.<\/p>\n\n\n\n P1,P2,P3- Cele mai mici trei prime nete de comisionul de v\u00e2nzare primite de solicitant din pia\u021b\u0103 (prima total\u0103- comisionul pl\u0103tit brokerului, \u00een cazul \u00een care poli\u021ba a fost cump\u0103rat\u0103 prin broker\u201d, noteaz\u0103 studiifinanciare.ro.<\/p>\n\n\n\n Sursa:impact<\/p>\n","protected":false},"excerpt":{"rendered":" \u0218oferii din Rom\u00e2nia trebuie s\u0103 \u0219tie c\u0103 exist\u0103 o nou\u0103 metod\u0103 care \u00eei scap\u0103 de pre\u021burile mult prea mari la<\/p>\n","protected":false},"author":1,"featured_media":93695,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":""},"categories":[82],"tags":[],"class_list":["post-93694","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto"],"jetpack_featured_media_url":"https:\/\/realitatearutiera.ro\/wp-content\/uploads\/2023\/01\/Noua-metoda-care-ii-scapa-pe-soferi-de-preturile-prea-mari-la-RCA-2.webp","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p61naM-onc","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/93694","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=93694"}],"version-history":[{"count":1,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/93694\/revisions"}],"predecessor-version":[{"id":93696,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/93694\/revisions\/93696"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/media\/93695"}],"wp:attachment":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=93694"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=93694"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=93694"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"Noua](\"https:\/\/i0.wp.com\/static.impact.ro\/unsafe\/770x433\/smart\/filters:contrast(5):format(webp):quality(100)\/https:\/\/www.impact.ro\/wp-content\/uploads\/2023\/01\/Noua-metoda-care-ii-scapa-pe-soferi-de-preturile-prea-mari-la-RCA-2.jpg?w=800&ssl=1\")
\u0218oferii trebuie s\u0103 apeleze la BAAR<\/h2>\n\n\n\n