Te-ai intrebat vreodata cum se calculeaza pretului RCA-ului si de ce nu este o valoare unica? In cazul in care nu stiai, Asigurarea de Raspundere Civila Auto este calculata in functie de o serie de criterii, care cuprind printre altele varsta proprietarului masinii si clasa de Bonus Malus. De asemenea, RCA-ul variaza si in functie de oras, insa cel mai bine afli daca vei citi in continuare si vei intelege exact cum functioneaza un calculator RCA.

Trebuie sa stii ca inainte de a incheia o polita RCA, poti sa faci o simulare online pentru a afla orientativ care va fi pretul asigurarii, iar unele companii chiar te incurajeaza sa inchei o polita online, punandu-ti la dispozitie instrumentele necesare si un calculator RCA. Astfel, vei economisi mai mult timp.

Care sunt criteriile folosite pentru stabilirea pretului RCA-ului?

  • Date despre proprietarul masinii: varsta, localitatea, CNP-ul, vechimea permisului de conducere (soferii incepatori vor plati o suma mai mare, la fel si soferii care au pana in 30 de ani). De mentionat ca se acorda reduceri pentru pensionari, bugetari, persoane cu deficiente locomotorii.
  • Date despre persoanele care vor conduce masina (conform noii legislatii, este important ca proprietarul masinii sa declare daca vor conduce si alte persoane masina).
  • Date despre masina: marca, model, capacitate cilindrica si asa mai departe. Toate acestea sunt importante si sunt importante pentru un calculator RCA, astfel incat pretul final sa fie cel corect.
  • Localitatea este importanta si ea, deoarece se pot stabili preturi mai mari ale politelor in zonele in care accidentele se pot intampla mai des.
  • Sistemul Bonus-Malus: este cel care influenteaza cel mai mult pretul asigurarii RCA. Practic, este un mecanism de ,,recompense si penalizari” acordate fiecarui sofer. Astfel, o asigurare pentru o masina noua, cu un sofer care nu a mai detinut vreo masina si nu are nici un istoric al daunelor, va incepe de la B0 (valoare neutra). Daca soferul nu provoaca nici un accident pe toata durata asigurarii, in momentul in care va incheia o noua polita RCA, va fi recompensat: va ajunge la B1 si va primi o reducere. Cea mai mare reducere acordata poate fi de 50% pentru clasa B14. La capatul opus, calculator RCA va inregistra penalitati pentru soferii care provoaca accidente. Astfel, de la B0, vei ajunge la M, iar penalizarea maxima este reprezentata de M8, cu dublarea pretului RCA-ului.
  • Este important de stiut si ca persoanele juridice vor plati mai mult cu 30% decat persoanele fizice.
  • Taximetristii vor incheia polita auto cu 50% mai scumpe decat persoanele care utilizeaza autoturismele in scop personal.

In incheiere, speram ca iti vor folosi aceste informatii despre calculator RCA si ca ai inteles mai bine de ce difera pretul politelor, chiar si cand vine vorba despre soferi de aceeasi varsta, cu masini asemanatoare.

Categories: Consultanta

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