{"id":97914,"date":"2026-02-24T11:15:27","date_gmt":"2026-02-24T11:15:27","guid":{"rendered":"https:\/\/www.shqiperia.com\/blog\/?p=97914"},"modified":"2026-02-24T11:15:27","modified_gmt":"2026-02-24T11:15:27","slug":"amf-pesha-e-sigurimeve-vullnetare-bie-ne-nivelin-me-te-ulet-qe-prej-vitit-2020","status":"publish","type":"post","link":"https:\/\/www.shqiperia.com\/blog\/amf-pesha-e-sigurimeve-vullnetare-bie-ne-nivelin-me-te-ulet-qe-prej-vitit-2020\/","title":{"rendered":"AMF: – Pesha e sigurimeve vullnetare, bie n\u00eb nivelin m\u00eb t\u00eb ul\u00ebt q\u00eb prej vitit 2020"},"content":{"rendered":"

\"\"<\/p>\n

24 Shkurt 2026<\/p>\n

Tregu i sigurimeve vullnetare shfaqi nj\u00eb ecuri t\u00eb dob\u00ebt edhe vitin e kaluar, nd\u00ebrsa pesha e tij specifike zbriti n\u00eb nivelin m\u00eb t\u00eb ul\u00ebt q\u00eb prej vitit 2020.<\/p>\n

Sipas statistikave nga Autoriteti i Mbik\u00ebqyrjes Financiare (AMF), pesha e produkteve vullnetare n\u00eb tregun e Jo-Jet\u00ebs ra p\u00ebr r\u00eb dytin vit radhazi n\u00eb 31.44%, nga 32.85% q\u00eb kishte qen\u00eb p\u00ebr vitin 2024.<\/p>\n

Nga tet\u00eb kompani t\u00eb sigurimit t\u00eb jo-jet\u00ebs, vet\u00ebm dy prej tyre kan\u00eb nj\u00eb pesh\u00eb t\u00eb sigurimeve vullnetare m\u00eb t\u00eb lart\u00eb se mesatarja e tregut, n\u00eb struktur\u00ebn e primeve t\u00eb shkruara bruto.<\/p>\n

Nd\u00ebrkoh\u00eb, vet\u00ebm nj\u00eb kompani e ka pesh\u00ebn e sigurimeve dominuese n\u00eb struktur\u00ebn e primeve t\u00eb shkruara bruto, me m\u00eb shum\u00eb se 50% t\u00eb totalit t\u00eb tyre.<\/p>\n

Produkti m\u00eb i r\u00ebnd\u00ebsish\u00ebm i sigurimit vullnetar, sigurimi i pasuris\u00eb nga zjarri dhe forcat e natyr\u00ebs vitin e kaluar sh\u00ebnoi nj\u00eb rritje modeste t\u00eb primeve t\u00eb shkruara bruto, me 10.25%, Pesha e tij specifike megjithat\u00eb u rrit n\u00eb p\u00ebrmasa t\u00eb pap\u00ebrfillshme dhe arriti n\u00eb 9.85% t\u00eb primeve t\u00eb shkruara bruto, nga 9.82% q\u00eb p\u00ebrb\u00ebnte nj\u00eb vit m\u00eb par\u00eb.<\/p>\n

Nj\u00eb ecuri t\u00eb ngjashme shfaqi sigurimi KASKO i automjeteve. Primet e shkruara bruto p\u00ebr k\u00ebt\u00eb produkt u rrit\u00ebn me 10.42%. Ato p\u00ebrb\u00ebnin 7.9% t\u00eb tregut, nga 7.86% nj\u00eb vit m\u00eb par\u00eb.<\/p>\n

Tregu i sigurimit KASKO \u00ebsht\u00eb i lidhur n\u00eb nj\u00eb mas\u00eb t\u00eb madhe me shtimin e investimit n\u00eb automjete t\u00eb reja, kryesisht p\u00ebr zgjerimin e flotave t\u00eb bizneseve t\u00eb makinave me qira.<\/p>\n

Megjith\u00ebse sigurimi i pron\u00ebs apo ai KASKO jan\u00eb produkte ligj\u00ebrisht vullnetare, praktikisht shumica e kontratave t\u00eb sigurimit t\u00eb lidhura p\u00ebr k\u00ebto produkte jan\u00eb t\u00eb detyrueshme, p\u00ebr shkak t\u00eb k\u00ebrkesave nga pal\u00ebt e treta.<\/p>\n

Sigurimi i pronave n\u00eb shumic\u00ebn e rasteve vjen si k\u00ebrkes\u00eb e institucioneve financiare, p\u00ebr pasurit\u00eb e l\u00ebna si kolateral p\u00ebr garantimin e kredive t\u00eb marra.<\/p>\n

Edhe sigurimi KASKO, megjith\u00ebse \u00ebsht\u00eb ligj\u00ebrisht vullnetar, n\u00eb shumic\u00ebn e rasteve ai \u00ebsht\u00eb faktikisht i detyruesh\u00ebm, duke qen\u00eb se blerjet e automjeteve t\u00eb reja financohen zakonisht me lizing dhe sigurimi \u00ebsht\u00eb kusht nga institucioni financiar.<\/p>\n

Rritje t\u00eb leht\u00eb n\u00eb struktur\u00ebn e primeve t\u00eb tregut ka sh\u00ebnuar edhe sigurimi i p\u00ebrgjegj\u00ebsive civile, nd\u00ebrsa pesha e produkteve t\u00eb tjera t\u00eb sigurimit vullnetar, si sigurimet e sh\u00ebndetit dhe aksidenteve, ka p\u00ebsuar r\u00ebnie krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/p>\n

Shifrat tregojn\u00eb se tregu i sigurimeve ngelet n\u00eb mas\u00ebn d\u00ebrrmuese i varur nga produktet e detyrueshme dhe kompanit\u00eb kan\u00eb d\u00ebshtuar p\u00ebr p\u00ebrmir\u00ebsuar n\u00eb m\u00ebnyr\u00eb dometh\u00ebn\u00ebse kultur\u00ebn e sigurimit vullnetar mes shqiptar\u00ebve.<\/p>\n

N\u00eb fillim t\u00eb k\u00ebtij vitit, qeveria ka d\u00ebrguar n\u00eb Autoritetin e Mbik\u00ebqyrjes Financiare (AMF) dhe n\u00eb disa institucione t\u00eb tjera t\u00eb lidhura nj\u00eb variant t\u00eb ri t\u00eb projektligjit p\u00ebr sigurimin e detyruesh\u00ebm t\u00eb banesave, q\u00eb pritet t\u2019i propozohet p\u00ebr miratim Kuvendit t\u00eb Shqip\u00ebris\u00eb.<\/p>\n

Varianti m\u00eb i fundit i projektligjit p\u00ebrfshin sigurim t\u00eb detyruesh\u00ebm jo vet\u00ebm p\u00ebr t\u00ebrmetet, por edhe p\u00ebr p\u00ebrmbytjet, n\u00eb ato zona ku ekziston nj\u00eb rrezik i till\u00eb. Skema do t\u00eb administrohet nga nj\u00eb shoq\u00ebri shtet\u00ebrore q\u00eb do t\u00eb ngrihet enkas p\u00ebr k\u00ebt\u00eb q\u00ebllim.<\/p>\n

Megjithat\u00eb, ashtu si n\u00eb variantet e m\u00ebparshme, projektligji p\u00ebrmban kryesisht parashikime t\u00eb natyr\u00ebs s\u00eb p\u00ebrgjithshme dhe ka pak dispozita konkrete lidhur me detajet e skem\u00ebs s\u00eb sigurimit.\/Monitor.al<\/p>\n","protected":false},"excerpt":{"rendered":"

24 Shkurt 2026 Tregu i sigurimeve vullnetare shfaqi nj\u00eb ecuri t\u00eb dob\u00ebt edhe vitin e kaluar, nd\u00ebrsa pesha e tij specifike zbriti n\u00eb nivelin m\u00eb t\u00eb ul\u00ebt q\u00eb prej vitit 2020. Sipas statistikave nga Autoriteti i Mbik\u00ebqyrjes Financiare (AMF), pesha e produkteve vullnetare n\u00eb tregun e Jo-Jet\u00ebs ra p\u00ebr r\u00eb dytin vit radhazi n\u00eb 31.44%, […]<\/p>\n","protected":false},"author":9,"featured_media":97915,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1,35],"tags":[],"class_list":["post-97914","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-njoftime-shtypi","category-shoqerore"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/02\/financa.jpg?fit=640%2C427&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p5Z6wp-ptg","jetpack-related-posts":[{"id":68633,"url":"https:\/\/www.shqiperia.com\/blog\/vend-me-aktivitet-te-larte-sizmik-dhe-shpeshtesi-te-katastrofave-natyrore-termeti-rreziku-i-harruar-shpejt-ne-shqiperi\/","url_meta":{"origin":97914,"position":0},"title":"\u2018Vend me aktivitet t\u00eb lart\u00eb sizmik dhe shpesht\u00ebsi t\u00eb katastrofave natyrore\u2019. – T\u00ebrmeti, rreziku i harruar shpejt n\u00eb Shqip\u00ebri","author":"Kurt Farka","date":"February 26, 2023","format":false,"excerpt":"26 Shkurt 2023 Kan\u00eb kaluar vet\u00ebm tre vjet nga t\u00ebrmeti i n\u00ebntorit 2019, por duket se t\u00eb gjith\u00eb e kan\u00eb harruar shpejt rrezikun. Sigurimet vullnetare nga fatkeq\u00ebsit\u00eb natyrore ngelen n\u00eb nivele shum\u00eb t\u00eb ul\u00ebta, nd\u00ebrsa projekti i ngritjes s\u00eb nj\u00eb skeme t\u00eb sigurimit nga katastrofat dergjet n\u00eb sirtar\u00ebt e qeveris\u00eb.\u2026","rel":"","context":"In "Blogu i Udh\u00ebtarit"","block_context":{"text":"Blogu i Udh\u00ebtarit","link":"https:\/\/www.shqiperia.com\/blog\/category\/blogu-i-udhetarit\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2023\/02\/Termet-pallat-i-shkaterruar-1069-770x433-1.jpg?fit=770%2C433&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2023\/02\/Termet-pallat-i-shkaterruar-1069-770x433-1.jpg?fit=770%2C433&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2023\/02\/Termet-pallat-i-shkaterruar-1069-770x433-1.jpg?fit=770%2C433&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2023\/02\/Termet-pallat-i-shkaterruar-1069-770x433-1.jpg?fit=770%2C433&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":84147,"url":"https:\/\/www.shqiperia.com\/blog\/eshte-rritur-numri-i-grupmoshes-mbi-65-vjec-cpritet-te-ndodhe-me-te-moshuarit-brenda-nje-dekade\/","url_meta":{"origin":97914,"position":1},"title":"\u00cbsht\u00eb rritur numri i grupmosh\u00ebs mbi 65 vje\u00e7, \u00e7\u2019pritet t\u00eb ndodh\u00eb me t\u00eb moshuarit brenda nj\u00eb dekade","author":"Kurt Farka","date":"September 6, 2024","format":false,"excerpt":"6 Shtator 2024 Sipas t\u00eb dh\u00ebnave t\u00eb Censit 2023, numri i individ\u00ebve mbi 65 vje\u00e7 ka p\u00ebsuar rritje t\u00eb konsiderueshme, nd\u00ebrkoh\u00eb q\u00eb plakja e popullat\u00ebs pritet t\u00eb thellohet edhe m\u00eb tej. Kjo ka sjell\u00eb problematika t\u00eb shumta n\u00eb fush\u00ebn e pensioneve, aspektin fiskal, ekonomik, por edhe social. K\u00ebshtu ka deklaruar\u2026","rel":"","context":"In "Blogu i Udh\u00ebtarit"","block_context":{"text":"Blogu i Udh\u00ebtarit","link":"https:\/\/www.shqiperia.com\/blog\/category\/blogu-i-udhetarit\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2024\/09\/Pensioniste-3-972-scaled-1.jpg?fit=1200%2C676&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2024\/09\/Pensioniste-3-972-scaled-1.jpg?fit=1200%2C676&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2024\/09\/Pensioniste-3-972-scaled-1.jpg?fit=1200%2C676&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2024\/09\/Pensioniste-3-972-scaled-1.jpg?fit=1200%2C676&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2024\/09\/Pensioniste-3-972-scaled-1.jpg?fit=1200%2C676&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":23242,"url":"https:\/\/www.shqiperia.com\/blog\/raporti-cfare-thote-komisioni-europian-per-nivelin-tone-te-varferise\/","url_meta":{"origin":97914,"position":2},"title":"Raporti, \u00e7far\u00eb thot\u00eb Komisioni Europian p\u00ebr nivelin ton\u00eb t\u00eb varf\u00ebris\u00eb","author":"Kurt Farka","date":"July 18, 2019","format":false,"excerpt":"Raporti, \u00e7far\u00eb thot\u00eb Komisioni Europian p\u00ebr nivelin ton\u00eb t\u00eb varf\u00ebris\u00eb 17korrik 2019 10:09 Matja e varf\u00ebris\u00eb n\u00eb Shqip\u00ebri \u00ebsht\u00eb e diskutueshme p\u00ebr shkak t\u00eb statistikave t\u00eb mang\u00ebta, por Komisioni Europian duke ju referuar Bank\u00ebs Bot\u00ebrore raportoi se, shkalla e varf\u00ebris\u00eb n\u00eb Shqip\u00ebri arriti n\u00eb vitin 2018 n\u00eb 35.2%. 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