FLASH NEWS
New rules: Here's how much car insurance will pay in 2025
2024-09-29 20:52:45 / EKONOMI&SOCIALE
January 1, 2025 will bring new prices for car insurance. There are seven risk factors that will be taken as a basis: history of damages, motor power, age of the insured, experience of the driver, use of the vehicle by an individual or business, the county of registration as well as the age of the vehicle. The purpose of the new factors is to differentiate premiums for different cars and drivers. Companies in the insurance market say they are ready to implement this new system, which is basically an opportunity to move towards the bonus-malus system.
" We are ready and the year 2025 will be year zero in terms of the entire history of the vehicle. We do not expect that from next year there will be substantial changes in the price. But in the following year, drivers with positive records will have a 2-5% reduction in the insurance premium. While those who will have registered a damage will suffer a 25% increase. While those with two or more claims will have a 50% increase in the premium ", explained Besnik Çobaj, director of the motor insurance department in one of the largest companies in the market.
These figures belong to the individual drivers, as the entities that will insure their vehicles will have even higher rates. During an interview for the "E-ZONE" show, Çobaj said that the new methodology will have two important effects on the market.
" With the defined factors, the aim is to discourage the use of old cars. Statistics show that more than 50% of accidents come from vehicles over 15 years old. We expect it to have an impact on the reduction of accidents in the country. On the other hand, luxury cars, i.e. those with power over 3 thousand cc, pay more than other cars. So there is differentiation, this is also the case in EU countries ", - explained Çobaj in Vizon Plus.
Motor insurance dominates the insurance market with 73%. Therefore, the new regulation that comes into force carries a special importance for the market and consumers. Today, the average price of insurance reaches 17,000 ALL.
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