Whoever causes damage pays more, the bonus-malus system penalizes drivers with a history of accidents

For 10 days, the bonus-malus system has been in effect, which penalizes drivers who have had accidents when they pay their car insurance bill.

 "Every motor vehicle user is provided with an insurance policy, before 2025 it was standard, it varied more or less the same. From 2025 we have a differentiation, not everyone pays the same, the difference is made by the age of the user, the age of the vehicle, the regions, the engine power of the vehicle and the bonus-malus system. This system has started to be applied this year because it took companies 1 year to create a database. Now at the AMF and the insurance companies, there is a history of the behavior of vehicle users, if they have had an accident, the insurance policy will increase depending on the damage", said Mimoza Hajdarmataj from the Association of Insurers of Albania

The history of accidents starts from 2025, when the new regulation of the Financial Supervisory Authority came into force, which differentiates the insurance policy for drivers.

"It is an educational measure, you must be aware that you have caused damage to third parties. The history started from January 1, 2025. This has also been a debate, every legal act has retroactive effect. You cannot enter into a legal act and claim to receive a bonus for 20 years in advance. For this year, if you have not caused damage, you will receive a bonus. If you have caused damage, the malus will again make the difference," Hajdarmataj added.

The price paid for vehicle insurance is determined by 7 risk factors: the age of the vehicle, the county where the vehicle is registered, engine power, the age of the driver, the use of the vehicle, whether it is an individual or a company, and the claims history. The latter will be part of the formula this year and beyond, while the other 6 have been implemented since 2025.

Happening now...

19:11 BOTA

CNN Analysis: Venezuela Has Not Only Oil, But Also Strategic Minerals That the US Needs

18:47 SPORT

Debuting against Cremonese, Spalletti: My Juventus has grown, but it needs to improve

18:35 SPORT

Fiorentina scares the Rossoneri, Milan escapes defeat again

18:25 HAPPENING NOW

Two days without any trace of Jurgen Karaj, RENEA divers and army personnel continue the search

18:10 SPORT

Rashford discussions, Barcelona have made the decision

18:06 HAPPENING NOW

NAMES/ "Why did you like it?," the 46-year-old immigrant and his father are beaten by the police neighbor in Fier. The officer raped him for a comment on Facebook, on his sister's profile

17:45 HAPPENING NOW

Snow causes a serious situation from Dajti to Tirana, hundreds of vehicles remain stuck in traffic for 25 km

17:32 POLITICS

Tedi Blushi denoncon projektin “Durana Tech Park”: Është vetëm një livadh ku janë regjistruar 46 kompani që nuk paguajnë taksa

17:23 POLITICS

"Iranian revolution towards decisive victory", Berisha: I condemn with the greatest force the regime's barbarity against citizens

17:04 POLITICS

"Legal measures will be taken", Rama on the floods: We have a plan ready with all scenarios for compensation

16:46 SPORT

Lojtari humbet sezonin, lajm i keq për Liverpool

16:36 SHOWBIZ

What is the truth about Mateo? Brikena's mother's message to her daughter

16:15 BOTA

“S’do të ketë më para dhe naftë për ta”, Trump: Kuba të arrijë një marrëveshje para se të jetë shumë vonë

16:07 KOSOVA

Kosovo's economy in the last decade, growth in numbers, decline in real life

Want to read more news