Who pays more for new car insurance? - Likaj: Little impact on increasing the responsibility of vehicle drivers
From January 1, the new AMF regulation for determining the insurance premium based on risk factors came into force.
The new car insurance system, bonus malus, provides that the insurance premium for a vehicle is calculated on the basis of damage history, including cases when the cause of the accident is not listed in the insurance policy, motor power, age of the insured , experience in driving a motor vehicle, the age and registration circuit of the vehicle, but also if the vehicle is used by a subject or an individual.
For example, an individual who is young and has little experience driving a high-powered vehicle registered in Tirana County will pay a higher insurance premium.
One of the aims of the new car insurance scheme is to make drivers aware to be more careful.
The new bonus-malus scheme applies lower coefficients in the premium calculation for those who have more responsible behavior on the road.
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