{"id":48595,"date":"2026-10-30T13:03:14","date_gmt":"2026-10-30T10:03:14","guid":{"rendered":"https:\/\/diagnozabam.ro\/sfaturi\/?p=48595"},"modified":"2026-10-30T13:03:14","modified_gmt":"2026-10-30T10:03:14","slug":"bonus-malus-rca-greseala-care-costa-mii-de-lei","status":"publish","type":"post","link":"https:\/\/diagnozabam.ro\/sfaturi\/ro\/blog\/bonus-malus-rca-greseala-care-costa-mii-de-lei\/","title":{"rendered":"Bonus-Malus RCA: Gre\u0219eala care Cost\u0103 Mii de Lei"},"content":{"rendered":"<h2 dir=\"ltr\" aria-level=\"4\">Asigur\u0103rile \u0219i Clasa Bonus-Malus \u2013 ce este \u0219i cum te afecteaz\u0103<\/h2>\n<p dir=\"ltr\">Dou\u0103 ma\u0219ini identice pot avea RCA-uri total diferite. \u0218oferii sunt diferi\u021bi. Unul pl\u0103te\u0219te 1.500 de lei. Cel\u0103lalt pl\u0103te\u0219te 5.400.<\/p>\n<p dir=\"ltr\">Diferen\u021ba vine, \u00een mare parte, dintr-un singur lucru: <strong>clasa bonus-malus<\/strong>. Mul\u021bi \u0219oferi o ignor\u0103 p\u00e2n\u0103 la re\u00eennoire. Atunci primesc oferta \u0219i se mir\u0103 de pre\u021b.<\/p>\n<p dir=\"ltr\">S\u0103 vedem exact cum func\u021bioneaz\u0103 sistemul. Vei afla ce te urc\u0103 \u00een clas\u0103, ce te coboar\u0103 \u0219i cum nu pierzi bani degeaba.<\/p>\n<hr \/>\n<h3 dir=\"ltr\" aria-level=\"5\">Ce este sistemul bonus-malus<\/h3>\n<p dir=\"ltr\">Bonus-malus este o scal\u0103 de clase. Fiecare \u0219ofer are una. Ea arat\u0103 c\u00e2t de riscant e\u0219ti pentru asigur\u0103tor.<\/p>\n<p dir=\"ltr\">Regula e simpl\u0103. Dac\u0103 nu produci accidente, prime\u0219ti reducere la RCA. Dac\u0103 produci accidente cu desp\u0103gubiri, pl\u0103te\u0219ti mai mult.<\/p>\n<p dir=\"ltr\">Sistemul se aplic\u0103 la fel pe toat\u0103 pia\u021ba. Nu conteaz\u0103 la ce asigur\u0103tor e\u0219ti. Clasa e aceea\u0219i la oricare dintre ei.<\/p>\n<p dir=\"ltr\">Clasa nu o decide agentul t\u0103u de asigur\u0103ri. Ea rezult\u0103 din istoricul de daune. Acest istoric este \u021binut \u00eentr-o baz\u0103 de date na\u021bional\u0103, comun\u0103 tuturor asigur\u0103torilor.<\/p>\n<blockquote dir=\"ltr\">\n<p dir=\"ltr\">\u2139\ufe0f <strong>Technical Note:<\/strong> Clasa bonus-malus se aplic\u0103 tarifului practicat de asigur\u0103torul ales. Pre\u021bul final este tariful de baz\u0103 \u00eenmul\u021bit cu coeficientul clasei tale.<\/p>\n<\/blockquote>\n<hr \/>\n<h3 dir=\"ltr\" aria-level=\"5\">Cele 17 clase ale sistemului<\/h3>\n<p dir=\"ltr\">Sistemul actual are 17 clase. Exist\u0103 o clas\u0103 de start, opt clase de bonus \u0219i opt clase de malus.<\/p>\n<ul dir=\"ltr\">\n<li><strong>B0<\/strong> este clasa neutr\u0103. Intr\u0103 aici \u0219oferii noi, f\u0103r\u0103 istoric.<\/li>\n<li><strong>B1\u2013B8<\/strong> sunt clasele de bonus. Ai reducere fa\u021b\u0103 de tariful de baz\u0103.<\/li>\n<li><strong>M1\u2013M8<\/strong> sunt clasele de malus. Ai majorare fa\u021b\u0103 de tariful de baz\u0103.<\/li>\n<\/ul>\n<p dir=\"ltr\">Mai jos ai tabelul complet. Ultima coloan\u0103 folose\u0219te un tarif de baz\u0103 de 1.000 de lei, doar ca exemplu.<\/p>\n<div dir=\"ltr\">\n<table>\n<thead>\n<tr>\n<th scope=\"col\">Clas\u0103<\/th>\n<th scope=\"col\">Efect asupra pre\u021bului<\/th>\n<th scope=\"col\">Coeficient<\/th>\n<th scope=\"col\">Pre\u021b la baza de 1.000 lei<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>B8<\/td>\n<td><span dir=\"ltr\">\u221250%<\/span><\/td>\n<td><span dir=\"ltr\">0,50<\/span><\/td>\n<td>500 lei<\/td>\n<\/tr>\n<tr>\n<td>B7<\/td>\n<td><span dir=\"ltr\">\u221240%<\/span><\/td>\n<td><span dir=\"ltr\">0,60<\/span><\/td>\n<td>600 lei<\/td>\n<\/tr>\n<tr>\n<td>B6<\/td>\n<td><span dir=\"ltr\">\u221230%<\/span><\/td>\n<td><span dir=\"ltr\">0,70<\/span><\/td>\n<td>700 lei<\/td>\n<\/tr>\n<tr>\n<td>B5<\/td>\n<td><span dir=\"ltr\">\u221225%<\/span><\/td>\n<td><span dir=\"ltr\">0,75<\/span><\/td>\n<td>750 lei<\/td>\n<\/tr>\n<tr>\n<td>B4<\/td>\n<td><span dir=\"ltr\">\u221220%<\/span><\/td>\n<td><span dir=\"ltr\">0,80<\/span><\/td>\n<td>800 lei<\/td>\n<\/tr>\n<tr>\n<td>B3<\/td>\n<td><span dir=\"ltr\">\u221215%<\/span><\/td>\n<td><span dir=\"ltr\">0,85<\/span><\/td>\n<td>850 lei<\/td>\n<\/tr>\n<tr>\n<td>B2<\/td>\n<td><span dir=\"ltr\">\u221210%<\/span><\/td>\n<td><span dir=\"ltr\">0,90<\/span><\/td>\n<td>900 lei<\/td>\n<\/tr>\n<tr>\n<td>B1<\/td>\n<td><span dir=\"ltr\">\u22125%<\/span><\/td>\n<td><span dir=\"ltr\">0,95<\/span><\/td>\n<td>950 lei<\/td>\n<\/tr>\n<tr>\n<td><strong>B0<\/strong><\/td>\n<td><span dir=\"ltr\">0%<\/span><\/td>\n<td><span dir=\"ltr\">1,00<\/span><\/td>\n<td>1.000 lei<\/td>\n<\/tr>\n<tr>\n<td>M1<\/td>\n<td><span dir=\"ltr\">+10%<\/span><\/td>\n<td><span dir=\"ltr\">1,10<\/span><\/td>\n<td>1.100 lei<\/td>\n<\/tr>\n<tr>\n<td>M2<\/td>\n<td><span dir=\"ltr\">+20%<\/span><\/td>\n<td><span dir=\"ltr\">1,20<\/span><\/td>\n<td>1.200 lei<\/td>\n<\/tr>\n<tr>\n<td>M3<\/td>\n<td><span dir=\"ltr\">+30%<\/span><\/td>\n<td><span dir=\"ltr\">1,30<\/span><\/td>\n<td>1.300 lei<\/td>\n<\/tr>\n<tr>\n<td>M4<\/td>\n<td><span dir=\"ltr\">+40%<\/span><\/td>\n<td><span dir=\"ltr\">1,40<\/span><\/td>\n<td>1.400 lei<\/td>\n<\/tr>\n<tr>\n<td>M5<\/td>\n<td><span dir=\"ltr\">+50%<\/span><\/td>\n<td><span dir=\"ltr\">1,50<\/span><\/td>\n<td>1.500 lei<\/td>\n<\/tr>\n<tr>\n<td>M6<\/td>\n<td><span dir=\"ltr\">+60%<\/span><\/td>\n<td><span dir=\"ltr\">1,60<\/span><\/td>\n<td>1.600 lei<\/td>\n<\/tr>\n<tr>\n<td>M7<\/td>\n<td><span dir=\"ltr\">+70%<\/span><\/td>\n<td><span dir=\"ltr\">1,70<\/span><\/td>\n<td>1.700 lei<\/td>\n<\/tr>\n<tr>\n<td>M8<\/td>\n<td><span dir=\"ltr\">+80%<\/span><\/td>\n<td><span dir=\"ltr\">1,80<\/span><\/td>\n<td>1.800 lei<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p dir=\"ltr\">Uit\u0103-te la extreme. \u00centre B8 \u0219i M8 diferen\u021ba este de <strong>3,6 ori<\/strong>. Pe aceea\u0219i ma\u0219in\u0103, cu acela\u0219i asigur\u0103tor.<\/p>\n<hr \/>\n<h3 dir=\"ltr\" aria-level=\"5\">Cum se calculeaz\u0103 clasa ta<\/h3>\n<p dir=\"ltr\">Mecanismul are dou\u0103 reguli de baz\u0103.<\/p>\n<ul dir=\"ltr\">\n<li><strong>Un an f\u0103r\u0103 daune pl\u0103tite:<\/strong> urci o clas\u0103 spre bonus.<\/li>\n<li><strong>O daun\u0103 pl\u0103tit\u0103 din vina ta:<\/strong> cobori dou\u0103 clase.<\/li>\n<\/ul>\n<p dir=\"ltr\">Conteaz\u0103 doar daunele pentru care asigur\u0103torul a pl\u0103tit efectiv. Conteaz\u0103 \u0219i vinov\u0103\u021bia par\u021bial\u0103. Dac\u0103 ai fost vinovat \u00een parte, dauna intr\u0103 \u00een istoric.<\/p>\n<p dir=\"ltr\">Perioada de referin\u021b\u0103 este anul calendaristic anterior intr\u0103rii \u00een vigoare a poli\u021bei. Asigur\u0103torul se uit\u0103 deci \u00een urm\u0103, la anul care s-a \u00eencheiat.<\/p>\n<h4 dir=\"ltr\" aria-level=\"6\">Exemple concrete<\/h4>\n<div dir=\"ltr\">\n<table>\n<thead>\n<tr>\n<th scope=\"col\">Situa\u021bia ta<\/th>\n<th scope=\"col\">Clasa de plecare<\/th>\n<th scope=\"col\">Dup\u0103 re\u00eennoire<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u0218ofer nou, f\u0103r\u0103 daune<\/td>\n<td>B0<\/td>\n<td>B1<\/td>\n<\/tr>\n<tr>\n<td>Un an lini\u0219tit<\/td>\n<td>B5<\/td>\n<td>B6<\/td>\n<\/tr>\n<tr>\n<td>O daun\u0103 pl\u0103tit\u0103 din vina ta<\/td>\n<td>B5<\/td>\n<td>B3<\/td>\n<\/tr>\n<tr>\n<td>O daun\u0103 pl\u0103tit\u0103 din vina ta<\/td>\n<td>B8<\/td>\n<td>B6<\/td>\n<\/tr>\n<tr>\n<td>O daun\u0103 pl\u0103tit\u0103, \u00eencep\u0103tor<\/td>\n<td>B0<\/td>\n<td>M2<\/td>\n<\/tr>\n<tr>\n<td>O daun\u0103 pl\u0103tit\u0103<\/td>\n<td>B1<\/td>\n<td>M1<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p dir=\"ltr\">Observ\u0103 ultimele r\u00e2nduri. Un \u0219ofer abia \u00eenceput poate ajunge \u00een malus dup\u0103 un singur accident. Nu are nicio plas\u0103 de siguran\u021b\u0103.<\/p>\n<h4 dir=\"ltr\" aria-level=\"6\">C\u00e2t te cost\u0103 o singur\u0103 daun\u0103<\/h4>\n<p dir=\"ltr\">Presupunem un tarif de baz\u0103 de 3.000 de lei. E\u0219ti \u00een B8 \u0219i produci un accident.<\/p>\n<ul dir=\"ltr\">\n<li><strong>Primul an dup\u0103 daun\u0103:<\/strong> e\u0219ti \u00een B6. Pl\u0103te\u0219ti 2.100 de lei \u00een loc de 1.500.<\/li>\n<li><strong>Al doilea an:<\/strong> e\u0219ti \u00een B7. Pl\u0103te\u0219ti 1.800 de lei \u00een loc de 1.500.<\/li>\n<li><strong>Al treilea an:<\/strong> revii \u00een B8. Pl\u0103te\u0219ti din nou 1.500 de lei.<\/li>\n<\/ul>\n<p dir=\"ltr\">Costul real al daunei este de aproximativ <strong>900 de lei<\/strong> \u00een plus. \u021ai-a luat trei ani s\u0103 revii. Cifrele sunt orientative, dar mecanismul este exact acesta.<\/p>\n<hr \/>\n<h3 dir=\"ltr\" aria-level=\"5\">Ce NU depinde de clasa bonus-malus<\/h3>\n<p dir=\"ltr\">Mul\u021bi cred c\u0103 B8 \u00eenseamn\u0103 RCA ieftin garantat. Nu este a\u0219a. Clasa este doar un multiplicator. Tariful de baz\u0103 se stabile\u0219te separat.<\/p>\n<p dir=\"ltr\">Asigur\u0103torul \u021bine cont \u0219i de al\u021bi factori:<\/p>\n<ul dir=\"ltr\">\n<li>v\u00e2rsta \u0219i vechimea permisului;<\/li>\n<li>zona de domiciliu;<\/li>\n<li>capacitatea sau puterea motorului;<\/li>\n<li>grupul de risc \u00een care te \u00eencadreaz\u0103 propria companie;<\/li>\n<li>istoricul de pia\u021b\u0103 al segmentului t\u0103u.<\/li>\n<\/ul>\n<p dir=\"ltr\">\u0218oferii din Bucure\u0219ti \u0219i Ilfov au tarife de referin\u021b\u0103 mai mari. Frecven\u021ba accidentelor este acolo mai ridicat\u0103. Un t\u00e2n\u0103r cu B8 poate pl\u0103ti totu\u0219i mai mult dec\u00e2t un om matur cu B4.<\/p>\n<p dir=\"ltr\">De aceea, <strong>compar\u0103 ofertele la fiecare re\u00eennoire<\/strong>. Acela\u0219i profil poate primi pre\u021buri foarte diferite. Clasa r\u0103m\u00e2ne aceea\u0219i, dar tariful de baz\u0103 se schimb\u0103 de la asigur\u0103tor la asigur\u0103tor.<\/p>\n<hr \/>\n<h3 dir=\"ltr\" aria-level=\"5\">Clasa apar\u021bine \u0219oferului, nu ma\u0219inii<\/h3>\n<p dir=\"ltr\">Aici apar multe confuzii. Clasa te urmeaz\u0103 pe tine. Nu r\u0103m\u00e2ne lipit\u0103 de ma\u0219in\u0103.<\/p>\n<p dir=\"ltr\">Dac\u0103 schimbi ma\u0219ina, p\u0103strezi clasa. Dac\u0103 schimbi asigur\u0103torul, p\u0103strezi clasa. Nimeni nu o poate reseta.<\/p>\n<h4 dir=\"ltr\" aria-level=\"6\">Dac\u0103 ai mai multe vehicule<\/h4>\n<p dir=\"ltr\">O persoan\u0103 fizic\u0103 cu mai multe ma\u0219ini are aceea\u0219i clas\u0103 pentru toate. La re\u00eennoire se alege cea mai favorabil\u0103 clas\u0103 din istoricul ei.<\/p>\n<p dir=\"ltr\">Pentru persoanele juridice, regula este diferit\u0103. Sistemul se aplic\u0103 separat pentru fiecare vehicul.<\/p>\n<p dir=\"ltr\">Asta conteaz\u0103 dac\u0103 lucrezi pe teren, cu o dub\u0103 de interven\u021bii. Sunt dou\u0103 situa\u021bii posibile:<\/p>\n<ul dir=\"ltr\">\n<li><strong>Duba e pe persoana fizic\u0103:<\/strong> accidentul t\u0103u afecteaz\u0103 clasa ta, pentru toate ma\u0219inile tale.<\/li>\n<li><strong>Duba e pe firm\u0103:<\/strong> istoricul r\u0103m\u00e2ne legat de acel vehicul.<\/li>\n<\/ul>\n<p dir=\"ltr\">G\u00e2nde\u0219te-te la asta \u00eenainte s\u0103 mu\u021bi o ma\u0219in\u0103 de pe un nume pe altul.<\/p>\n<hr \/>\n<h3 dir=\"ltr\" aria-level=\"5\">V\u00e2nzarea ma\u0219inii: riscul pe care nu-l vezi<\/h3>\n<p dir=\"ltr\">Aici se pierd cele mai multe clase, f\u0103r\u0103 ca \u0219oferul s\u0103 fac\u0103 vreun accident.<\/p>\n<p dir=\"ltr\">RCA-ul este legat de ma\u0219in\u0103. Dac\u0103 vinzi ma\u0219ina \u0219i la\u0219i poli\u021ba activ\u0103, aceasta continu\u0103 s\u0103 acopere vehiculul. Noul proprietar poate produce un accident sub poli\u021ba ta.<\/p>\n<p dir=\"ltr\">Daunele pl\u0103tite apar apoi \u00een istoricul t\u0103u. Tu nu ai condus, dar clasa ta poate sc\u0103dea.<\/p>\n<blockquote dir=\"ltr\">\n<p dir=\"ltr\">\u26a0\ufe0f <strong>WARNING:<\/strong> La v\u00e2nzarea ma\u0219inii anun\u021b\u0103 imediat asigur\u0103torul. Cere \u00eencetarea contractului \u0219i p\u0103streaz\u0103 dovada transferului de proprietate. Altfel, accidentul altcuiva \u00ee\u021bi poate strica bonusul.<\/p>\n<\/blockquote>\n<p dir=\"ltr\">Pe l\u00e2ng\u0103 asta, ai dreptul la restituirea primei pentru perioada r\u0103mas\u0103. Cere-o \u00een scris.<\/p>\n<hr \/>\n<h3 dir=\"ltr\" aria-level=\"5\">Cum \u00ee\u021bi verifici clasa bonus-malus<\/h3>\n<p dir=\"ltr\">Nu trebuie s\u0103 o ghice\u0219ti. Ai mai multe variante, toate gratuite.<\/p>\n<ol dir=\"ltr\">\n<li><strong>La re\u00eennoire:<\/strong> orice ofert\u0103 de la asigur\u0103tor arat\u0103 clasa \u00een care e\u0219ti \u00eencadrat.<\/li>\n<li><strong>Pe site-ul autorit\u0103\u021bii de supraveghere:<\/strong> exist\u0103 un instrument online dedicat verific\u0103rii clasei.<\/li>\n<li><strong>Prin baza de date a asigur\u0103torilor:<\/strong> istoricul este centralizat la nivel na\u021bional.<\/li>\n<\/ol>\n<p dir=\"ltr\">Verific\u0103 clasa \u00eenainte s\u0103 cumperi poli\u021ba. Dac\u0103 oferta arat\u0103 o clas\u0103 mai slab\u0103 dec\u00e2t te a\u0219tep\u021bi, cere explica\u021bii. Pot exista gre\u0219eli de \u00eenregistrare. Corectarea lor este \u00een interesul t\u0103u.<\/p>\n<p dir=\"ltr\">Po\u021bi avea \u0219i surprize dup\u0103 un an cu daune \u00een curs de solu\u021bionare. \u00centreab\u0103 ce daune sunt \u00eenregistrate pe numele t\u0103u.<\/p>\n<hr \/>\n<h3 dir=\"ltr\" aria-level=\"5\">Cum \u00ee\u021bi protejezi clasa \u00een practic\u0103<\/h3>\n<p dir=\"ltr\">Bonusul se construie\u0219te greu \u0219i se pierde repede. C\u00e2teva obiceiuri te ap\u0103r\u0103.<\/p>\n<h4 dir=\"ltr\" aria-level=\"6\">Preven\u021bia \u00eencepe la ma\u0219in\u0103<\/h4>\n<p dir=\"ltr\">Multe accidente nu pornesc de la \u0219ofer. Pornesc de la o defec\u021biune ignorat\u0103. Fr\u00e2ne uzate, senzori ABS defec\u021bi, un ESP care nu mai intervine.<\/p>\n<p dir=\"ltr\">Aceste probleme las\u0103 coduri de eroare \u00een memoria calculatorului. Le po\u021bi citi \u00eenainte s\u0103 devin\u0103 cauza unui accident. Un scanner bidirec\u021bional, cum este <a href=\"https:\/\/mythinkcar.com\/collections\/advanced-diagnostic-scanners\/products\/thinkcar-thinkscan-689bt-bidirectional-scan-tool?ref=diagnozabam\">THINKCAR THINKSCAN 689BT<\/a>, cite\u0219te codurile pe sistemele de siguran\u021b\u0103. Po\u021bi testa \u0219i componentele active \u00eenainte de a le \u00eenlocui.<\/p>\n<p dir=\"ltr\">Un cod de eroare cost\u0103 pu\u021bin dac\u0103 \u00eel tratezi la timp. Cost\u0103 mult dac\u0103 \u00eel ignori p\u00e2n\u0103 la prima fr\u00e2nare de urgen\u021b\u0103.<\/p>\n<h4 dir=\"ltr\" aria-level=\"6\">Obiceiuri care conteaz\u0103<\/h4>\n<ul dir=\"ltr\">\n<li>P\u0103streaz\u0103 distan\u021ba de siguran\u021b\u0103, mai ales pe ploaie \u0219i pe polei.<\/li>\n<li>Verific\u0103 anvelopele \u0219i presiunea \u00eenainte de drumuri lungi.<\/li>\n<li>Monteaz\u0103 camer\u0103 video. Dovada vinov\u0103\u021biei celuilalt te poate scuti de o daun\u0103.<\/li>\n<li>Nu conduce obosit \u0219i nu folosi telefonul la volan.<\/li>\n<\/ul>\n<hr \/>\n<h3 dir=\"ltr\" aria-level=\"5\">Accident mic: pl\u0103te\u0219ti singur sau intri pe daun\u0103?<\/h3>\n<p dir=\"ltr\">Aceasta este o dilem\u0103 clasic\u0103. Daune mici, pe care le-ai putea pl\u0103ti din buzunar. Ca s\u0103 nu pierzi bonusul, unii \u0219oferi \u00eencearc\u0103 s\u0103 se \u00een\u021beleag\u0103 direct cu cealalt\u0103 parte.<\/p>\n<p dir=\"ltr\">Matematica poate justifica uneori asta. Dac\u0103 dauna este de 800 de lei \u0219i pierderea de bonus cost\u0103 900, merit\u0103 s\u0103 calculezi.<\/p>\n<blockquote dir=\"ltr\">\n<p dir=\"ltr\">\u26a0\ufe0f <strong>WARNING:<\/strong> \u00cen\u021belegerea pe cale amiabil\u0103 are riscuri serioase. Dac\u0103 cealalt\u0103 parte schimb\u0103 ulterior varianta, poate cere desp\u0103gubire la asigur\u0103torul ei. Daunele pl\u0103tite \u00ee\u021bi scad atunci clasa. F\u0103 orice \u00een\u021belegere doar \u00een scris, cu dovada pl\u0103\u021bii.<\/p>\n<\/blockquote>\n<p dir=\"ltr\">Dac\u0103 ai v\u0103t\u0103m\u0103ri corporale, nu exist\u0103 discu\u021bie. Intri obligatoriu pe procedura normal\u0103.<\/p>\n<hr \/>\n<h3 dir=\"ltr\" aria-level=\"5\">Reforma ASF aflat\u0103 \u00een dezbatere<\/h3>\n<p dir=\"ltr\">Autoritatea de supraveghere preg\u0103te\u0219te o rescriere a normei care reglementeaz\u0103 sistemul. Proiectul nu este aplicat la momentul scrierii acestui articol. Prevederile pot suferi modific\u0103ri p\u00e2n\u0103 la forma final\u0103.<\/p>\n<p dir=\"ltr\">Variantele discutate public includ:<\/p>\n<ul dir=\"ltr\">\n<li>extinderea la <strong>14 clase de bonus \u0219i 12 de malus<\/strong>;<\/li>\n<li>pierderea a dou\u0103 clase pentru daune materiale;<\/li>\n<li>pierderea a patru clase pentru v\u0103t\u0103m\u0103ri corporale;<\/li>\n<li>penalizare dubl\u0103 dac\u0103 \u0219oferul a fost sub influen\u021ba alcoolului;<\/li>\n<li>poli\u021b\u0103 RCA de familie, cu coeficient calculat ca medie;<\/li>\n<li>posibilitatea ced\u0103rii unor clase de bonus \u00eentre membrii familiei;<\/li>\n<li>clauze op\u021bionale, precum fran\u0219iza sau men\u021binerea bonusului.<\/li>\n<\/ul>\n<p dir=\"ltr\">Reducerea maxim\u0103 ar r\u0103m\u00e2ne de 50%. Ar deveni \u00eens\u0103 mai greu de atins, pentru c\u0103 ai mai multe trepte de urcat. \u00cen schimb, \u0219oferii cu malus maxim ar putea pl\u0103ti de p\u00e2n\u0103 la trei ori tariful de baz\u0103.<\/p>\n<p dir=\"ltr\">Ce \u00eenseamn\u0103 asta pentru tine? P\u00e2n\u0103 la intrarea \u00een vigoare, se aplic\u0103 regulile actuale. Urm\u0103re\u0219te anun\u021burile oficiale. Verific\u0103 la re\u00eennoire ce sistem se aplic\u0103.<\/p>\n<hr \/>\n<h3 dir=\"ltr\" aria-level=\"5\">Gre\u0219eli frecvente<\/h3>\n<ul dir=\"ltr\">\n<li><strong>Crezi c\u0103 se reseteaz\u0103 dac\u0103 schimbi asigur\u0103torul.<\/strong> Nu se reseteaz\u0103. Istoricul este na\u021bional.<\/li>\n<li><strong>Nu compari ofertele.<\/strong> Pl\u0103te\u0219ti uneori sute de lei \u00een plus, pentru aceea\u0219i clas\u0103.<\/li>\n<li><strong>La\u0219i RCA-ul activ dup\u0103 v\u00e2nzare.<\/strong> Ri\u0219ti s\u0103 prime\u0219ti malus pentru accidentul altcuiva.<\/li>\n<li><strong>Nu verifici clasa.<\/strong> O eroare de \u00eenregistrare te poate costa ani de bonus.<\/li>\n<li><strong>Crezi c\u0103 B8 \u00eenseamn\u0103 pre\u021b mic garantat.<\/strong> Tariful de baz\u0103 conteaz\u0103 la fel de mult.<\/li>\n<li><strong>Ignori avertiz\u0103rile de pe bord.<\/strong> Un defect de siguran\u021b\u0103 poate deveni accident.<\/li>\n<\/ul>\n<hr \/>\n<h3 dir=\"ltr\" aria-level=\"5\">\u00centreb\u0103ri frecvente (FAQ)<\/h3>\n<h4 dir=\"ltr\" aria-level=\"6\">Ce \u00eenseamn\u0103 clasa B0 la RCA?<\/h4>\n<p dir=\"ltr\">B0 este clasa neutr\u0103. O primesc \u0219oferii noi, f\u0103r\u0103 istoric de asigurare. Nu ai nici reducere, nici majorare. Pl\u0103te\u0219ti tariful de baz\u0103.<\/p>\n<h4 dir=\"ltr\" aria-level=\"6\">C\u00e2t dureaz\u0103 p\u00e2n\u0103 ajung la B8?<\/h4>\n<p dir=\"ltr\">Dac\u0103 urci o clas\u0103 pe an, ai nevoie de opt ani f\u0103r\u0103 daune pl\u0103tite. Un singur accident din vina ta te \u00eempinge \u00eenapoi cu dou\u0103 clase.<\/p>\n<h4 dir=\"ltr\" aria-level=\"6\">Clasa bonus-malus r\u0103m\u00e2ne la ma\u0219in\u0103 sau la \u0219ofer?<\/h4>\n<p dir=\"ltr\">R\u0103m\u00e2ne la \u0219ofer. Dac\u0103 schimbi ma\u0219ina, p\u0103strezi clasa. Dac\u0103 ai mai multe ma\u0219ini pe persoan\u0103 fizic\u0103, ai aceea\u0219i clas\u0103 pentru toate.<\/p>\n<h4 dir=\"ltr\" aria-level=\"6\">Pierd clasa dac\u0103 schimb asigur\u0103torul?<\/h4>\n<p dir=\"ltr\">Nu. Clasa este \u00eenregistrat\u0103 la nivel na\u021bional \u0219i se aplic\u0103 la orice asigur\u0103tor. Nu poate fi resetat\u0103 prin schimbarea companiei.<\/p>\n<h4 dir=\"ltr\" aria-level=\"6\">C\u00e2te clase pierd dup\u0103 un accident?<\/h4>\n<p dir=\"ltr\">Conform regulilor actuale, pierzi dou\u0103 clase pentru fiecare daun\u0103 pl\u0103tit\u0103 din vina ta. Un an f\u0103r\u0103 daune \u00ee\u021bi aduce \u00eenapoi o singur\u0103 clas\u0103.<\/p>\n<h4 dir=\"ltr\" aria-level=\"6\">Conteaz\u0103 \u0219i accidentele \u00een care nu sunt vinovat?<\/h4>\n<p dir=\"ltr\">\u00cen general, conteaz\u0103 daunele pl\u0103tite pe poli\u021ba ta, c\u00e2nd ai fost vinovat total sau par\u021bial. Dac\u0103 vinovatul este cel\u0103lalt \u0219ofer, daunele se pl\u0103tesc din poli\u021ba lui.<\/p>\n<h4 dir=\"ltr\" aria-level=\"6\">Cum aflu \u00een ce clas\u0103 m\u0103 aflu?<\/h4>\n<p dir=\"ltr\">Clasa apare \u00een oferta de re\u00eennoire. O po\u021bi verifica \u0219i prin instrumentul online pus la dispozi\u021bie de autoritatea de supraveghere, \u00eenainte s\u0103 cumperi poli\u021ba.<\/p>\n<h4 dir=\"ltr\" aria-level=\"6\">Ce se \u00eent\u00e2mpl\u0103 dac\u0103 v\u00e2nd ma\u0219ina \u0219i nu anun\u021b asigur\u0103torul?<\/h4>\n<p dir=\"ltr\">Poli\u021ba poate r\u0103m\u00e2ne activ\u0103 pe ma\u0219in\u0103. Dac\u0103 noul proprietar produce un accident, daunele pot ap\u0103rea \u00een istoricul t\u0103u \u0219i \u00ee\u021bi pot sc\u0103dea clasa.<\/p>\n<h4 dir=\"ltr\" aria-level=\"6\">Se schimb\u0103 sistemul bonus-malus \u00een cur\u00e2nd?<\/h4>\n<p dir=\"ltr\">Exist\u0103 un proiect de norm\u0103 care extinde sistemul la 14 clase de bonus \u0219i 12 de malus. La momentul scrierii, el este \u00een dezbatere. P\u00e2n\u0103 la aplicare, r\u0103m\u00e2n valabile regulile actuale.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Asigur\u0103rile \u0219i Clasa Bonus-Malus \u2013 ce este \u0219i cum te afecteaz\u0103 Dou\u0103 ma\u0219ini identice pot avea RCA-uri total diferite. \u0218oferii sunt diferi\u021bi. Unul pl\u0103te\u0219te 1.500 de lei. Cel\u0103lalt pl\u0103te\u0219te 5.400. Diferen\u021ba vine, \u00een mare parte, dintr-un singur lucru: clasa bonus-malus. Mul\u021bi \u0219oferi o ignor\u0103 p\u00e2n\u0103 la re\u00eennoire. Atunci primesc oferta \u0219i se mir\u0103 de pre\u021b. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":48596,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","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},"jetpack_post_was_ever_published":false},"categories":[357],"tags":[56125,56123,176,55529],"class_list":["post-48595","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stiri","tag-asf","tag-bonus-malus","tag-rca","tag-thinkscan-689bt"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Bonus-Malus RCA: Gre\u0219eala care Cost\u0103 Mii de Lei - DBAM<\/title>\n<meta name=\"description\" content=\"Ce e clasa bonus-malus la RCA? 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