"Bull ins will be lifted prices on civil liability by the end of the year
All insurers will raise rates between 30 and 50 percent in the 2009th
"Bull ins will be lifted tariffs on motor insurance civil liability by the end of the year. From a month working on tariff approved by the FSC and actively signing insurance contracts. It declared Inshurans BG Petrozar Petkov, Chairman of the Board and Director General of Telecommunications Act "Bull ins. Cover our civil liability includes the entire EU, incl. States of "green card" (Turkey, Macedonia, Serbia, Croatia, Bosnia, Moldova and Russia in 2009) so that by buying our people have insurance coverage and receive "green card" anywhere ", explained Petkov. He added that after the year the company will market analysis and risk bearing, and only then will be taken to a new price decision appropriately to market conditions.
"I Categories that all insurers will raise rates between 30 and 50 percent for the 2009th. To European tariffs but we can not reach right now because this has a social insurance unit, said Petkov.
Source: www.insurance.bg
Adopted amendments to the Road Traffic
CCTV already become evidence established exercise of voluntary work, fines of fish become 100 leva, have imposed restrictions on new drivers
Changes in the Road Traffic Act, which aims to improve traffic safety and might result in limiting road accidents were approved by the government. They increase fines imposed on various types of violations are given the right of video recordings to be used as evidence established punishment "laying the voluntary work for the benefit of society and certain restrictions on new drivers.
New driver is a person received a driving license in category C, until 1 years of its issuance, and the age of 25 years. The calculation of one year does not take into account the time that the driver was deprived of the right to manage vehicle. When issuing driving license new leader will acquire only 2 / 3 of the control points to be awarded to other drivers. On it will be forbidden to carry children and youth up to 18 years, except in the presence of qualified experienced leader. Violation of these rules is punishable by a fine of 100 leva and deprivation of pravoupravlenie for 1 month. In the second and each subsequent offense, the penalties are doubled.
Restrictions on new drivers are imposed to the surge in the number of PTP on the fault of drivers with less experience - they are above 2.5 times compared with avariynostta and victims for the old drivers. In 2007 therefore suffered in 1710 people, 157 of them died. The aim of the new provisions of the law is to affect the behavior of young road users, but also involve parents and other adults for greater attention and care to new drivers.
For the first time in our law entitles recordings of the technical means or by video surveillance systems apparently to be used as evidence. Punitive decrees issued regulations for the establishment of administrative violations, which were prepared on the basis of such records shall not be subject to appeal. The penalty will be imposed on the owner of the vehicle-to. It belongs to the entity would be fine for his manager, unless it pointed to the statement who was driving the car.
In statistics, by September 2008 for violations found by automated video are penalized 19 695 driver. Most of the violations related to failure to comply with speed limits. Unbecoming speed is responsible for around 45 percent of the country occurred in PTP.
A two new hypotheses for the withdrawal of driving license and suspension of movement of vehicles. Should the driver causes PTP outside lane of traffic will be deprived of the license to successful completion of the verification test. For the period from 1 to 3 months will stop moving vehicles, which were provided to pravoupravlenie by incompetent leader.
Changes in the law required cyclists to wear helmets and night - and svetlootrazitelni jackets. This requirement is justified by the fact that more than 40 percent of cases of death of cyclists in the dark part of the day, but the main reason is the inability to be seen by enough distance.
The use of safety belts resulted in a significant reduction in the number of dead and wounded, so the project is down debt for drivers of vehicles to ensure their use by passengers in the car. Everyone who is in the car without a belt will be punished by a fine of 50 leva Apart from this, a fine of 30 leva for each passenger and the driver will receive.
With the change also aims to engage the responsibility of the owners of vehicles carrying public transport of passengers and cargo, and to be assigned responsibility for technical, fees and insurance.
In other texts to the competent authorities imposes the obligation to remove or securing any obstacle in the immediate vicinity of the roadway and to signal any stretch of road outside the urban area with information boards that contain data (name, phone, etc..) Responsible for in maintaining the station. Each year the settlements have registered over 6000 PTP serious deficiencies in the organization because of traffic and over 200 people killed in collision in the trees, pillars and more., Many of them are in close proximity to active band movement and are not safeguarded .
With the bill proposes raising from 50 to 100 per amount of the fine which may be a fish and he can not be appealed. Non its 7-day period is considered to be enacted penal provision in it take control points. The fines will be paid through e-pay and sms. It is expected the system to be implemented by the end of the year.
A zavishenie of penalties imposed by their new rates are consistent with the type and severity of abuse. The emphasis is on violations of disqualified drivers and driving after alcohol. The Law on Road Traffic introducing new administrative punishment for violations - voluntary work for the benefit of society. The penalty is imposed by the District Court within 48 hours of drafting the act of infringement. What, in any order and will be carried out will determine the mayor of the municipality on whose territory was given to iztarpi punishment. If possible, be determined work related to removing the effects of PTP, or activity necessary to ensure traffic safety.
Voluntary community service from 80 to 160 hours will be affixed on repeated driving with a concentration of alcohol in the blood of more than 0.5 to 1.2 promila inclusive, and remains today as punishment for deprivation of pravoupravlenie within 1 to 3 years and a fine from 1000 to 2000 leva with voluntary work to 80 hours and a fine of 200 to 600 leva will be punished and motorists who drive vehicles after they are deprived of this right or no driving license.
Higher fines will be paid for speeding. 10 euro for the current excess of 10 km / h become BGN 20, in excess of 11-20 km / h fine becomes BGN 50 (30 euro) now. Keep fines from 100, 150 and 200 euro for the excess of 21 to over 40 km / h, but changes in the next step. Now for speeding over 50 km / h imposing a fine of 250 leva and three months imprisonment by pravoupravlenie. The proposal and any subsequent 5 km / h excess to saktsionirat by 50 euro
50 euro increase fines for improper parking cease to sign "Stop, driving in bus-bar incorrectly regression, izprevarvane improper management of vehicles and others IRREGULAR. The penalty for improper passing through the walkway, along the bus, a red light or parking a walkway going 80 €
In 2007 Bulgaria registered heavy PTP 8011, which killed 1006 and injured 9828 people. Two thirds of the fallen are drivers and passengers. Statistics black children and 17 is 61 dead and 1356 injured. Of 39 passengers perished, 11 - pedestrians, and 11 have drive.
95 percent of all accidents are the result of violations of drivers having first exceeded speed and unbecoming, inappropriate izprevarvane and bring in tapes of Cross movement, the withdrawal of preference.
Most road accidents (5599, or 69.9 percent) occurred in the urban area, but their victims are less - 475 (47.2%) of those killed. This confirms the trend that PTP outside the settlements are a significant burden.
The bill is adopted by the importer.
Source: www.insurance.bg
"Unika" terminated early insurance Kasko "tick Brokers
Paul Moritz: This is an acceptable practice. While the market does not accept the practice of excess "Unika will have to seek other solutions to keep your wallet and profitable to protect the interests of their clients
Edna of the largest insurance companies in Bulgaria, "Unika" terminated early insurance Kasko, alert the Varna Gazette National Affairs insurance brokers. In their words, the contracts are stopped when the injury in vehicle-to exceed the premium paid. This violates the basic principles of insurance, alarm and they expressed concerns that customers would step back from their services, because I feel misled. "For example, if you paid U.S. $ 1000 prize and coverage of damage is valued at U.S. $ 1100, will pay it, but then suspended insurance, a lawyer told Maple Yakimov, who intends to bring proceedings against the company on behalf of some customers with a problem. According to him, thus violating the Code of insurance. However, the contracts says that the insurance policy is 1 years and should cover all damage occurred during the period, said lawyers. These internal regulations of Unika, which entered into force before the days explained insurers.
Especially for Inshurans BG Paul Moritz, CEO of insurance company Unika AD and Unika Life Plc, commented:
"We did an analysis of our policies Casco as the financial results of Casco business was not satisfactory for us. We wish to emphasize that basic principle in e group insurance customers to share risks together, which we call "collective destiny". If and when a group of clients that violates the balance of the group more than others, we must take measures to protect other members of the team. So began the termination of those contracts in which the severity of the injury bagged significant limits on average for the group. These measures allow us to maintain quality of service and level of prices as we did and now. Do not think this will jeopardize our proven reputation in the market, contra, we believe that our actions show that we work professionally and reliably, because "Unika has long-term intentions for the Bulgarian market.
We do not break the terms of the insurance contract, nor those of the Code of insurance, as car and property businesses followed and many other criteria that must be taken into account, unlike life. We follow our international experience and know-how, being a member of one of the leading insurance groups in Europe.
Can you provide information on this practice, not only in Austria and Western Europe, where Unika has been the leading insurer, but in the presence of "Unika" in the region, and the Czech Republic, Slovakia, Hungary, Romania and Serbia. Everywhere termination of Kasko "contracts in the event of a share of the losses above a certain percentage during the period of insurance contract is acceptable practice.
Here are a few concrete examples:
Czech Republic and Slovakia: after two injury and loss ratio above 75 percent is termination of the insurance contract, without the right to be extended. Franshizat (Own in damage to insured) included more than 5 years and by 2005 tariff act segmentation.
Hungary: as portfolio consists primarily of leasing companies, has introduced a model of sharing pechabata and loss of client and the model adjusts premium. In Hungary franshizat also be used over five years and segmentation rate was introduced in 2005.
Serbia: termination of dogorova based on the rate of loss.
Romania: active portfolio management by increasing the premium and already established franshiz amounting to 100 euros.
What is different in other countries that we gave as an example, is that they apply franshiz and selective approach with the process of monitoring. Therefore the situation in Bulgaria is not comparable to that in other countries. While the market does not accept the practice of excess "Unika will have to seek other solutions to keep your wallet and profitable to protect the interests of their clients.
Measures undertaken by us have nothing to do with the financial crisis.
"Unika" is more than well provided with capital company. We are conducted audits of certain portfolios repeatedly over the years in all countries where we operate and we want you to know that the assets of our group exceeds 50 billion euro. Furthermore, the analysis made by us for Annual of 2008 show that it will be most successful in the past history of Unika.
"Unika Bulgaria is currently second in the Bulgarian life insurance market. We are proud of this position, but I want to share with you that our goal is to become an insurance company, number 3 in the Bulgarian market in general and in life. We have the knowledge and experience to achieve this ambitious goal, because we have a strategic European investor. More than 20 markets in Europe and more than 5.7 million customers, "Unika" is synonymous with quality, knowledge and financial success. We offer competitive products and services to satisfy all the needs of our customers, we dynamically growing international insurance institution based in Astra, with considerable experience in Central and Eastern Europe. Our corporate values are respect, quality, flexibility, acceptance and honesty. We not only deeply believe in these values, but we are morally obliged to share with our customers and partners.
Source: www.insurance.bg
