{"id":963,"date":"2024-05-25T12:15:25","date_gmt":"2016-11-25T10:15:25","guid":{"rendered":"http:\/\/demo.safirtema.com\/poyraz\/2016\/11\/25\/trafik-sigortasi-yuzde-129-nasil-zamlanir-fiyatlara-bakin\/"},"modified":"2024-05-25T12:15:25","modified_gmt":"2024-05-25T10:15:25","slug":"trafik-sigortasi-yuzde-129-nasil-zamlanir-fiyatlara-bakin","status":"publish","type":"post","link":"https:\/\/www.sarayduzuhaber.com\/index.php\/2024\/05\/25\/trafik-sigortasi-yuzde-129-nasil-zamlanir-fiyatlara-bakin\/","title":{"rendered":"Trafik sigortas\u0131 y\u00fczde 129 nas\u0131l zamlan\u0131r? Fiyatlara bak\u0131n"},"content":{"rendered":"<p><span style=\"color: #ff0000;\"><strong>\u015eubat 2015&#8217;te 266 liraya yapt\u0131rd\u0131\u011f\u0131n\u0131z sigortan\u0131za, bu \u015fubatta yenilerken en d\u00fc\u015f\u00fck 610 lira \u00f6deyeceksiniz.<\/strong> <\/span><\/p>\n<p><span style=\"color: #ff0000;\"><strong>Bir de hasarl\u0131 s\u00fcr\u00fcc\u00fcyseniz, yani y\u0131l i\u00e7inde bir tane bile hasar yapt\u0131ysan\u0131z, prim art\u0131\u015f oran\u0131 y\u00fczde 160&#8217;\u0131 bile ge\u00e7iyor.<\/strong> <\/span><\/p>\n<p>Zorunlu trafik sigortas\u0131 ara\u00e7 sahipleri fahi\u015f zamlar sebebiyle \u015foka u\u011frat\u0131yor. 1 y\u0131l i\u00e7inde sigorta fiyatlar\u0131 y\u00fczde 129 oran\u0131nda artt\u0131. Hasar yapanlar i\u00e7in ise bu oran \u00e7ok daha y\u00fcksek oldu.\u00a0<\/p>\n<p>\u0130ki sene \u00f6nce 2014 y\u0131l\u0131nda trafik sigortas\u0131n\u0131n ortalama fiyat\u0131 280 lirayd\u0131 ve \u015firketine g\u00f6re prim tutar\u0131 250 liraya bile d\u00fc\u015f\u00fcyordu. Peki, ne de\u011fi\u015fti de son bir y\u0131lda trafik sigortas\u0131nda kaos ya\u015fanmaya ba\u015flad\u0131? H\u00fcrriyet Gazetesi yazar\u0131 Noyan Do\u011fan fahi\u015f zamm\u0131n bir y\u0131l i\u00e7inde ay ay nas\u0131l artt\u0131\u011f\u0131n\u0131 \u00e7\u0131kartt\u0131.\u00a0<\/p>\n<p>2006 y\u0131l\u0131na kadar trafik sigortas\u0131n\u0131n primlerini de teminatlar\u0131n\u0131 da Hazine M\u00fcste\u015farl\u0131\u011f\u0131 belirliyordu. O d\u00f6nem 7,2 milyon ara\u00e7 sigortal\u0131yd\u0131 ve ortalama sigorta primi 133 lirayd\u0131; otomobiller ortalama 110 lira, taksiler 374 lira, minib\u00fcsler 269 lira \u00f6d\u00fcyordu. 2006 y\u0131l\u0131nda ise yap\u0131lan bir d\u00fczenleme ile teminatlar yine Hazine taraf\u0131ndan belirlenirken, primlerde ise yar\u0131 serbest uygulamaya ge\u00e7ildi.<\/p>\n<p>En y\u00fcksek fiyat\u0131 Hazine tespit ediyor, sigorta \u015firketleri bu oranlar i\u00e7inde primleri belirleyip, Hazine&#8217;nin onay\u0131na sunuyordu. O d\u00f6nemde Hazine&#8217;nin \u015firketlere tan\u0131d\u0131\u011f\u0131 en y\u00fcksek prim art\u0131\u015f oran\u0131 ise y\u00fczde 250&#8217;yi ge\u00e7miyordu.<\/p>\n<p><strong>TAM SERBEST D\u00d6NEME GE\u00c7\u0130L\u0130NCE&#8230;.<\/strong><\/p>\n<p>2014&#8217;\u00fcn ba\u015f\u0131ndae yeniden bir d\u00fczenleme yap\u0131ld\u0131 ve yine sigorta teminatlar\u0131n\u0131 Hazine belirlemeye devam ederken, trafik sigortas\u0131nda tam serbest d\u00f6neme ge\u00e7ildi. Sigorta \u015firketlerine primleri istedi\u011fi gibi belirleme hakk\u0131 tan\u0131nd\u0131.<strong> \u0130\u015fte ne olduysa bundan sonra oldu.<\/strong><\/p>\n<p>En \u00e7ok poli\u00e7enin sat\u0131ld\u0131\u011f\u0131 ki, 2013&#8217;\u00fcn sonunda trafik poli\u00e7e say\u0131s\u0131 14.5 milyon adetti- trafik sigortas\u0131nda 50&#8217;nin \u00fczerinde sigorta \u015firketi, daha \u00e7ok prim \u00fcretmek, pazar pay\u0131n\u0131 art\u0131rmak, daha \u00e7ok para kazanmak i\u00e7in birbirleri ile k\u0131yas\u0131ya rekabete girdi.<\/p>\n<p>Rekabetin oda\u011f\u0131nda ise fiyat vard\u0131. Ama\u00e7, fiyatlar\u0131 d\u00fc\u015f\u00fcr\u00fcp, daha fazla poli\u00e7e satmakt\u0131. Hal b\u00f6yle olunca da 2013&#8217;\u00fcn sonunda ortalama trafik sigortas\u0131 primi 300 lirayken, bir anda fiyatlar \u00f6nce <strong>280 liralara<\/strong>, sonra 250 liralara indi; hatta kimi \u015firketler primlerini 200 liran\u0131n alt\u0131na \u00e7ekti ki, o d\u00f6nemde 170 liraya poli\u00e7e sat\u0131ld\u0131\u011f\u0131 bile oldu.<\/p>\n<p><strong>ETT\u0130KLER\u0130 ZARARI VATANDA\u015eA \u00c7IKARDILAR<\/strong><\/p>\n<p>T\u00fcketici de hakl\u0131 olarak en uygun fiyat\u0131 ara\u015ft\u0131r\u0131p, ucuza sigorta yapt\u0131rmaya ba\u015flad\u0131. Sigorta \u015firketleri k\u0131yas\u0131ya rekabete girip, fiyatlar\u0131 d\u00fc\u015f\u00fcrd\u00fckleri 2014 y\u0131l\u0131n\u0131, trafik sigortas\u0131nda 885 milyon lira zararla kapatt\u0131lar. 2012 y\u0131l\u0131nda 1,2 milyar lira, 2013 y\u0131l\u0131nda 654 milyon lira trafikten zarar ettiler. Maalesef sigorta \u015firketleri zarar ettiklerini bile bile rekabet u\u011fruna fiyatlar\u0131 a\u015fa\u011f\u0131 \u00e7ektiler, t\u00fcketiciyi de y\u0131llard\u0131r ucuz trafik sigortas\u0131na al\u0131\u015ft\u0131rd\u0131lar. Ve art\u0131k b\u0131\u00e7ak kemi\u011fe dayand\u0131, son 10 y\u0131lda zarar, 9 milyar liraya kadar \u00e7\u0131kt\u0131, \u015firketlerin alt\u0131ndan kalkamayaca\u011f\u0131 hale geldi. \u015eimdi de bunun faturas\u0131n\u0131 t\u00fcketici, y\u00fcksek primlerle \u00f6d\u00fcyor. <strong>Sigortac\u0131lar 10 y\u0131ll\u0131k zarar\u0131 y\u00fczde 129 zamla 1,5 y\u0131lda kapatmaya \u00e7al\u0131\u015f\u0131yor.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u015eubat 2015&#8217;te 266 liraya yapt\u0131rd\u0131\u011f\u0131n\u0131z sigortan\u0131za, bu \u015fubatta yenilerken en d\u00fc\u015f\u00fck 610 lira \u00f6deyeceksiniz. Bir de hasarl\u0131 s\u00fcr\u00fcc\u00fcyseniz, yani y\u0131l i\u00e7inde bir tane bile hasar yapt\u0131ysan\u0131z, prim art\u0131\u015f oran\u0131 y\u00fczde 160&#8217;\u0131 bile ge\u00e7iyor. Zorunlu trafik sigortas\u0131 ara\u00e7 sahipleri fahi\u015f zamlar sebebiyle \u015foka u\u011frat\u0131yor. 1 y\u0131l i\u00e7inde sigorta fiyatlar\u0131 y\u00fczde 129 oran\u0131nda artt\u0131. Hasar yapanlar i\u00e7in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":964,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[315,98,351,316],"class_list":["post-963","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-otomobil","tag-araba","tag-otomobil","tag-sigorta","tag-trafik"],"_links":{"self":[{"href":"https:\/\/www.sarayduzuhaber.com\/index.php\/wp-json\/wp\/v2\/posts\/963","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sarayduzuhaber.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sarayduzuhaber.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sarayduzuhaber.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sarayduzuhaber.com\/index.php\/wp-json\/wp\/v2\/comments?post=963"}],"version-history":[{"count":0,"href":"https:\/\/www.sarayduzuhaber.com\/index.php\/wp-json\/wp\/v2\/posts\/963\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sarayduzuhaber.com\/index.php\/wp-json\/wp\/v2\/media\/964"}],"wp:attachment":[{"href":"https:\/\/www.sarayduzuhaber.com\/index.php\/wp-json\/wp\/v2\/media?parent=963"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sarayduzuhaber.com\/index.php\/wp-json\/wp\/v2\/categories?post=963"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sarayduzuhaber.com\/index.php\/wp-json\/wp\/v2\/tags?post=963"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}