![\"\"](\"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/02\/financa.jpg?resize=707%2C471&ssl=1\")
<\/p>\n<\/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":100101,"url":"https:\/\/www.shqiperia.com\/blog\/nje-qytetari-shqiptar-i-duhen-270-dite-ne-shkalle-te-pare-2318-dite-mbi-6-vite-ne-apel-dhe-1762-dite-rreth-5-vjet-ne-gjykaten-e-larte\/","url_meta":{"origin":97914,"position":0},"title":"Nj\u00eb qytetari shqiptar i duhen 270 dit\u00eb n\u00eb shkall\u00eb t\u00eb par\u00eb, 2318 dit\u00eb (mbi 6 vite) n\u00eb Apel dhe 1762 dit\u00eb (rreth 5 vjet) n\u00eb Gjykat\u00ebn e Lart\u00eb","author":"Kurt Farka","date":"May 11, 2026","format":false,"excerpt":"11 Maji 2026 Nga: Gazeta Dita N\u00eb t\u00eb gjith\u00eb gjykatat e vendit, viti 2025 u mbyll me rreth 150 mij\u00eb dosje q\u00eb presin t\u00eb shqyrtohen n\u00eb t\u00eb trija shkall\u00ebt e gjykimit. Shifrat q\u00eb K\u00ebshilli i Lart\u00eb Gjyq\u00ebsor i ka paraqitur n\u00eb raportin dor\u00ebzuar parlamentit, tregojn\u00eb situat\u00ebn e r\u00ebnduar, ku m\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\/2026\/05\/Edi-Rama-drejtesia-statuja.jpg?fit=1024%2C603&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/Edi-Rama-drejtesia-statuja.jpg?fit=1024%2C603&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/Edi-Rama-drejtesia-statuja.jpg?fit=1024%2C603&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/Edi-Rama-drejtesia-statuja.jpg?fit=1024%2C603&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":100503,"url":"https:\/\/www.shqiperia.com\/blog\/60-mije-nxenes-me-pak-instat-publikon-te-dhenat-krahasimi-me-4-vite-me-pare-bie-numri-i-te-diplomuarve-ne-arsimin-parauniversitar\/","url_meta":{"origin":97914,"position":1},"title":"60 MIJ\u00cb NX\u00cbN\u00cbS M\u00cb PAK! INSTAT publikon t\u00eb dh\u00ebnat, krahasimi me 4 vite m\u00eb par\u00eb! – Bie numri i t\u00eb diplomuarve n\u00eb arsimin parauniversitar","author":"Kurt Farka","date":"May 20, 2026","format":false,"excerpt":"20 Maji 2026 R\u00ebnia e numrit t\u00eb nx\u00ebn\u00ebsve q\u00eb p\u00ebrfundojn\u00eb shkoll\u00ebn po shnd\u00ebrrohet nj\u00eb sfid\u00eb p\u00ebr arsimin parauniversitar. Sipas t\u00eb dh\u00ebnave zyrtare nga\u00a0INSTAT\u00a0n\u00eb vitin shkollor 2024-2025 n\u00eb institucionet publike dhe jopublike t\u00eb vendit u diplomuan n\u00eb total 82.640 nx\u00ebn\u00ebs dhe student\u00eb me nj\u00eb r\u00ebnie t\u00eb leht\u00eb nga viti paraardh\u00ebs, por\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\/2026\/05\/images-3.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/images-3.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/images-3.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":100579,"url":"https:\/\/www.shqiperia.com\/blog\/kuriozitet-ankand-rekord-ne-paris-segment-origjinal-i-kulles-eiffel-shkon-per-qindra-mijera-euro\/","url_meta":{"origin":97914,"position":2},"title":"Kuriozitet: – Ankand rekord n\u00eb Paris\/ Segment origjinal i Kull\u00ebs Eiffel shkon p\u00ebr qindra mij\u00ebra euro","author":"Kurt Farka","date":"May 22, 2026","format":false,"excerpt":"22 Maji 2026 Nj\u00eb pjes\u00eb origjinale e shkall\u00ebve t\u00eb Kull\u00ebs Eiffel n\u00eb Paris \u00ebsht\u00eb shitur n\u00eb ankand p\u00ebr 450 mij\u00eb e 160 euro, sipas Sht\u00ebpis\u00eb Franceze t\u00eb Ankandeve Artcurial. Segmenti i shkall\u00ebs ka nj\u00eb lart\u00ebsi prej 2.75 metrash dhe vjen nga shkalla spirale historike e \u201cZonj\u00ebs s\u00eb Hekurt\u201d, e nd\u00ebrtuar\u2026","rel":"","context":"In "Histori"","block_context":{"text":"Histori","link":"https:\/\/www.shqiperia.com\/blog\/category\/histori\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/640-0-fkjpg-1779385237.jpg?fit=640%2C381&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/640-0-fkjpg-1779385237.jpg?fit=640%2C381&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/640-0-fkjpg-1779385237.jpg?fit=640%2C381&ssl=1&resize=525%2C300 1.5x"},"classes":[]},{"id":100201,"url":"https:\/\/www.shqiperia.com\/blog\/aranita-brahaj-shqiperia-injekton-vetem-4-9-te-gdp-se-ne-prokurime-publike-loja-eshte-diku-tjeter\/","url_meta":{"origin":97914,"position":3},"title":"Aranita Brahaj: – Shqip\u00ebria Injekton vet\u00ebm 4.9% t\u00eb GDP-s\u00eb n\u00eb Prokurime Publike, loja \u00ebsht\u00eb diku tjet\u00ebr","author":"Kurt Farka","date":"May 13, 2026","format":false,"excerpt":"13 Maji 2026 Ekspertja e prokurorimeve publike, Aranita Brahaj, e ftuar n\u00eb emisionin Task Force me Sonila Me\u00e7on, ngriti shqet\u00ebsime serioze lidhur me gjendjen e tenderave publike n\u00eb Shqip\u00ebri, duke paraqitur t\u00eb dh\u00ebna q\u00eb tregojn\u00eb nj\u00eb r\u00ebnie drastike t\u00eb investimeve shtet\u00ebrore n\u00eb ekonomi. Sipas Brahajt, n\u00ebse hiqen tenderat e anuluar,\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\/2026\/05\/Aranita-Brahaj.jpg?fit=590%2C438&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/Aranita-Brahaj.jpg?fit=590%2C438&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/Aranita-Brahaj.jpg?fit=590%2C438&ssl=1&resize=525%2C300 1.5x"},"classes":[]},{"id":100475,"url":"https:\/\/www.shqiperia.com\/blog\/nje-zbulim-historik-ne-siri-punetori-i-ndertimit-gjen-varre-te-lashta-1500-vjecare\/","url_meta":{"origin":97914,"position":4},"title":"Nj\u00eb zbulim historik n\u00eb Siri\/ Pun\u00ebtori i nd\u00ebrtimit gjen varre t\u00eb lashta 1500-vje\u00e7are","author":"Kurt Farka","date":"May 20, 2026","format":false,"excerpt":"20 Maji 2026 Nj\u00eb pun\u00ebtor nd\u00ebrtimi zbuloi nj\u00eb kompleks varresh 1,500-vje\u00e7ar, nd\u00ebrsa po hiqte rr\u00ebnojat e shkat\u00ebrruara nga lufta. Zbulimi i pabesuesh\u00ebm i nj\u00eb kompleksi t\u00eb lasht\u00eb varresh bizantine u gjet n\u00eb provinc\u00ebn siriane t\u00eb Idlibit n\u00eb veri t\u00eb vendit. Ato u gjet\u00ebn nga nj\u00eb pun\u00ebtor nd\u00ebrtimi i cili po\u2026","rel":"","context":"In "Arte"","block_context":{"text":"Arte","link":"https:\/\/www.shqiperia.com\/blog\/category\/arte\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/image-2-3.webp?fit=800%2C533&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/image-2-3.webp?fit=800%2C533&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/image-2-3.webp?fit=800%2C533&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/image-2-3.webp?fit=800%2C533&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":100385,"url":"https:\/\/www.shqiperia.com\/blog\/urdheri-me-misterioz-i-mesjetes-kaloresit-templare-origjina-e-vertete-e-tyre\/","url_meta":{"origin":97914,"position":5},"title":"Urdh\u00ebri m\u00eb misterioz i Mesjet\u00ebs: Kalor\u00ebsit Templar\u00eb, origjina e v\u00ebrtet\u00eb e tyre","author":"Kurt Farka","date":"May 18, 2026","format":false,"excerpt":"18 Maji 2026 N\u00eb vitin 1119, vet\u00ebm n\u00ebnt\u00eb kalor\u00ebs francez\u00eb b\u00ebn\u00eb nj\u00eb betim t\u00eb pazakont\u00eb n\u00eb Jerusalem. Kalor\u00ebsit Templar\u00eb nuk k\u00ebrkuan tok\u00eb, pasuri apo tituj. Premtuan vet\u00ebm nj\u00eb gj\u00eb: t\u00eb mbronin pelegrin\u00ebt q\u00eb udh\u00ebtonin drejt Tok\u00ebs s\u00eb Shenjt\u00eb. Por brenda pak dekadash, ky grup i vog\u00ebl luft\u00ebtar\u00ebsh u shnd\u00ebrrua n\u00eb\u2026","rel":"","context":"In "Histori"","block_context":{"text":"Histori","link":"https:\/\/www.shqiperia.com\/blog\/category\/histori\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/auto_Kaloresit-Templare_11778842861.jpg?fit=826%2C588&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/auto_Kaloresit-Templare_11778842861.jpg?fit=826%2C588&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/auto_Kaloresit-Templare_11778842861.jpg?fit=826%2C588&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/auto_Kaloresit-Templare_11778842861.jpg?fit=826%2C588&ssl=1&resize=700%2C400 2x"},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/posts\/97914","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/comments?post=97914"}],"version-history":[{"count":1,"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/posts\/97914\/revisions"}],"predecessor-version":[{"id":97916,"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/posts\/97914\/revisions\/97916"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/media\/97915"}],"wp:attachment":[{"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/media?parent=97914"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/categories?post=97914"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/tags?post=97914"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}