إصدار تعليمات جديدة في طريقة تسعير وثيقة تأمين المركبة وحق خصم التأمين

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أصدرت مؤسسة النقد العربي السعودي تعليمات جديدة تخص تسعيرات خدمات تأمين المركبات الشخصية وتصب في صالح السائقين بشكل إيجابي، وجاءت التعليمات الجديدة على الشكل الآتي:

  • إلزام شركات التأمين عند تسعيرها وثائق تأمين المركبات الإلزامي للأفراد بتقديم خصم لأصحاب السجل الخالي من المطالبات على أن يكون الخصم مطبقاً على السعر الأساسي الجديد، وتعتمد نسبة الخصم المقدمة على عدد السنوات لسجل المؤمن له دون أي مطالبات. وتصل نسبة الخصم إلى 15% من السعر الجديد لوثائق التأمين لسنة واحدة دون مطالبات، وتزداد النسبة بازدياد عدد سنوات السجل دون مطالبات لتصل إلى 30% لثلاث سنوات دون مطالبات. وسمحت التعليمات للشركات أن تقدم أيضاً خصم عدم وجود مطالبات على تأمين المركبات الشامل للأفراد.
  • إمكانيةتقديم شركة التأمين خصماً إضافياً تقديراً لولائهم للشركة بنسبة تصل إلى 10% من السعر الجديد لوثائق التأمين الإلزامي والتأمين الشامل للأفراد، ولا يقدم هذا الخصم إلا في حال تجديد المؤمن له لوثيقته لدى شركة التأمين ذاتها حال انتهائها بحيث لا يكون هناك أي فترة فاصلة بين التغطية المقدمة.
  • الأخذ بعدّة عوامل عند تسعير وثيقة التأمين، تم تقسيمها لمجموعتين تشمل المجموعة الأولى عنوان صاحب المركبة، عمر السائق، عمر المركبة، بلد المنشأ للمركبة بينما تشمل المجموعة الثانية ماركة وموديل المركبة، مخالفات السائق المرورية السابقة، استخدام المركبة، نوع وثيقة التأمين، الحوادث السابقة للسائق. وسوف يتم تطبيق عوامل المجموعة الأولى بدايةً من شهر أبريل 2017 على أن يتم الأخد بعوامل المجموعة الثانية لاحقاً بالتدريج.

تأتي هذه القوانين الجديدة مقابل مطالبات كبيرة جداً بوضع حد للتصخم الكبير الذي وصلت إليه شركات التأمين في الأشهر القليلة الماضية حيث ارتفعت الأسعار بنسبة أكثر من 200% وهو ما قوبل بحملات على مواقع التواص الإجتماعي للضغط على الجهات المسؤولة في سبيل الوصول إلى حل عادل للشركات والسائقين، فهل ترضي هذه القوانين السائقين؟ شاركونا آرائكم.

 




عن الكاتب

مهندس كهربائي، أحترم مهندسي نيسان وبورش.

99 تعليقات

  1. اوكي فيه خصم وولاء وكذا .. السؤال المهم كم فلوس هذا تأمين الحين؟

  2. اكيد رفعوها 250%
    مؤسسة النقد وشركات التأمين مع بعض عادي ?

  3. الناس لو تقاطع شركات التامين وتسوق زي العالم والله ليرجع التامين زي قبل
    لكن الناس هذه الايام ماسك الجوال وهو يسوق ويصدم خلق الله وما تبي التامين يرتفع
    انا عن نفسي ما جددت التامين ولن اجدد الى ان يخفضوا سعر التامين كل سنة تامين عالفاضي
    ما تعمل حوادث ولا في خصم ولاء ولا شي زيك زي راعي الاكسنت الي مدفع الشركة الاف

  4. ناصر الــــعــــــــــــتــــــــــمــــــــــــــي

    خطوه جيده جدا
    وخصوصا ان اصحاب السجل المروري السيئ يحظون بمعامله في قطاع التامينات كمثل الذين يملكون سجلات مروريه نظيفة طيلة اصدار رخص القياده

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    64. Un autre problème pour cette station: apparemment, on doit laisser le wifi tourner en permanence. Que se passe-t-il si l’ordi est éteint ou la box internet éteinte?

    65. Merengue changed in multiple ways. For one, it became almost twice as fast as it usewd to be earlier.I’ve been told once that it was under the influence of using cocaine that it became so fast today. if it’s true….?

    66. Great story for kids! Bullying is such a horrible thing in any form, whether it's kids or adults. Always glad to see someone helping others fight it. Best to you, Kai & Lee~ <3

    67. Jack, I agree, buying a home isn't always a good investment. Also, there are always examples of people buying near or at the top of a market. However, the aggregate data show most people bought well before the peak, refinanced at lower rates, many more than once, extracted trillions of dollars of home equity, built-up a great deal of equity, even after the $50,000 decline in the median home price over the past three years, or paid-off their mortgages.

    68. How adorable!!! Oh, I’d take her home at the drop of a hat too…….she’s so precious. Your photo made me smile. How sweet.Come on now Gattina, go give Rosie a gentle hug from me please. *squish*

    69. А что за «ÃÂ·ÃÂµÃÂ»ÃÂµÃÂ½Ã‘‹Ð¹ глазок гидрометра»?Полярность можно еще было определить, воткнув в гнездо смарт. Земляной контакт наверняка соединен с экраном внутри смарта.

    70. Donations to your church, or to NPR count as charitable, but almost all of that donation should really be interpreted as "membership dues." Has any attempt been made to see if there is a systematic difference between charitable donations minus those best seen as membership dues? I would expect conservatives to be members of churches at higher rates than liberals.

    71. Mal, the map shows various trans Saharan routes, including from Central and East Central Africa. As to your subjective opinion of what black North Africans look like, if you look at the population of Mali and Senegal you will see a massive variety of physical traits and types, botth across and within ethnic groups. Black (coastal) Libyans do tend to look very much like Chadians, whereas black Tunisians are more mixed.The paper wasn't looking at Europran mtDNA, so it provides little information in that regard.

    72. No tengo conocimiento de alguno por allá pero es una oportunidad, sería cuestión que se junten a conversar para organizarlo Saludos Cristian!

    73. I just tried the tutorial without admin priv on the cmd, (for php go-pear.phar) and it didn’t work well: pear config-show displays lots of C:\\Windows locations (a popular bug). Running as admin changed all the locations to the php folder. Worth mentioning in the tut?

    74. Fantastic goods from a person, man. Khmer Karaoke Superstars » Somnangblogs I have understand your current stuff before and you are just way too great. I truly like that which you have acquired here, certainly similar to what you might be stating and how you state it. You allow it to be entertaining and you still care for to retain it smart. I can not wait to see much more from anyone. This is in reality a great Khmer Karaoke Stars » Somnangblogs informations.

    75. Dairy here. I really have to watch it. No more than one serving a day and I am okay. 2 days of huge glasses of milk at dinner and I get a bad breakout in a few days. Interesting about soy.

    76. 22aדוחה אך מעניין : )היו לנו שנה שיברה בקומפוסטר,הזדעזעתי קשות אבל בזכות כמה חברים פארמהקלצ’ריסטים הבנתי את האיכויות שלו ועדיין שמחתי על עזיבתם בחורף…השנה לא בטוחה שהם כבר הגיעו,יש דרך להביא אותם?(לא מאמינה שאני שואלת את זה אבל קצב הפירוק שלהם היה פשוט מדהים)ואני מעדיפה אותם על ג’וקים…21

    77. There is dual screen support. Windows_Show Events on Separate Display or Show Viewer on Separate Display. I’m concerned about the other issues but seeing as there’s zero info at the moment, I’m not jumping to conclusions.

    78. se pratique depuis 2007, sans état d'âme…Enfin, je pense que certains policiers doivent réfléchir à ce qu'ils sont, ce sont des êtres humains, aussi.Mais à l'époque de Vichy, certains Français trouvaient normal d'obéir à certains ordres et on connait la fin de l'histoire…Amitiés.

    79. 8 février 2010coucou johnny ses brenda qui t envoye un petit  message pour e dire que tu me manque mais ses pour ton bien je saie que ses pas evident de rester sur place toi tu a la bougeote tu aime pas rester en places mais il le faut pour ta santer bisou a bientot peut etre sur scene  

    80. Très simple , tu vois Karim à RG 08, W 08 et AO 09?Ben, c’est St Pierre.Aux 3 lieux où il a renié le Maître, le Maître lui a ouvert les yeux , un an jour pour jour, après.

    81. Get version 5.6.1 It works then. Scroll down on the cheat engine home page and you’ll find a link to it. TDU doesn’t recognize this version, I just tried it today.

    82. 143You experience an amazing ability to describe this sort of difficult patients accessible speech, which every layman might understand! I can’t understand when compared to books about this topic, but on account of you finally made it happen!

    83. Ooh a walk in cheese room!! How awesome. And 28kg of golden syrup! I would have so much fun in that place. It's like shopping in a grocery store for giants haha 🙂

    84. I can’t wait to one day buy a fathers day gift for my husband! The massage idea is a great gift especially because guys rarely pamper themselves happy first fathers day with your new baby!

    85. T-REX, nu e nevoie sa iti faci cont pe Trilulilu ca sa poti lua de acolo o melodie. Deschizi piesa pe care o vrei, iar acolo, pe undeva, trebuie sa existe optiunea "Embed". Iei codul de acolo cu copy si il pui intr-un document word (altfel nu se copiaza intreg pe blog). Din word il copiezi apoi pe blog. Daca nu te descurci, spune-mi si iti mai explic 🙂 Bafta! Cricri, sigur ca nu e buna in exces, intr-o vreme, o "practicam" cam mult si probabil ca mi-a daunat. Dar nici nu m-as putea lipsi de ea vreodata.

    86. Miss Tashina!! I cannot wait for the day you design MY wedding dress!! I never thought I really wanted one until I spied this reception dress. It was all over from there. Perfection. xoxo

    87. “I think you are generalizing from anecdotal evidence pertaining mostly to Asians in the Western world.”Yes, I do base my statements largely from many real-world examples. But Rushton’s r-K continuum model in “Race, Evolution and Behavior” also supports my views.Keep in mind that scientists — oh, aren’t their opinions supposed to be trustworthy? — have a hard time accepting that Blacks have genetic advantages in sprinting (or at least they have a hard time admiting it publicly!).

    88. L’organe voméronasal est le plus souvent absent… et chez les autres il subsiste à titre de vestige (et les gènes le rendant utilisable sont absents).Je crois que l’hormone dont la dégradation entraîne les odeurs corporelles est l’androstérone qui est une hormone mâle à faible activité androgénique. Autrement dit, l’odeur chez les hommes est indépendante de leur phénotype masculin (c’est-à-dire pour faire simple de leur taux de base de testostérone).

    89. Ich habe grade eine riesen Kiste Pixibücher vom Dachboden geholte. Die kann nun meine Tochter lesen Meine Lieblinge waren Peppo und Peppino!Toller Teppich ♥ der passt so toll hier!Lg

    90. I cut myself off before I could finish that post. They struggle with it, so it would be nice if they could turn things around and start quicker with the pass to setup the run in some instances.

    91. Creo que se está ofreciendo un gran servicio, que es una pena que esté tan desaprovechado, porque todavía hay mucha gente que no nos conoce.Estoy con vosotros en que los horarios de cara al público son más que suficientes, además Internet hoy en día nos permite estar abiertos el resto del día.Para qué 24h??? esta gente no tiene casa o qué???

    92. It doesn’t surprise me David. Many people live with a dream of becoming a part of the mainstream and skin color plays an important role in it. I just wonder, though Sammy changed his skin color, could he wipe out his past from his mind with that ease?

    93. Très bonne idée que ce mémorandum sur l histoire du crit.Mais dis moi un peu, quelle est l origine de ce cri de guerre qui hante désormais la péniche et que les autres IEP nous envie: APLP (a poil les putes!)Guillaume

    94. As a retired LEO and Range Master, I can attest to the effectiveness of bird shot at close range. I agree that bird shot within a dwelling is more than sufficient to take the fight out of any intruder, while reducing the chance of over penetration and ricochet. On most ocassions, High Base 7.5 bird shot, will get the job done within 20 yards.

    95. Fun story with a happy ending. When our son was three he decided it would be great fun to hide inside one of the round clothing racks at the local department store. He terrified my wife for an hour and thought it was great fun.

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