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Shkruar nga Pamfleti
The Association of Insurers of Albania has addressed a letter to the Minister of Finance and Economy, to convey its reservations regarding the draft law "On compulsory earthquake insurance".
In principle, the Association of Insurers of Albania is in favor of the initiative for the adoption of a law, which aims to insure citizens' homes against the risk of earthquakes. However, she opposes the model proposed in the bill for this type of insurance.
The draft law submitted for public consultation by the Ministry of Finance provides for an all-state mandatory earthquake insurance scheme. But, according to insurers, none of the European countries follow such a model. Even in Turkey or Romania, taken as a reference in the explanatory report of the draft law, the scheme is not entirely state-owned, as it includes private insurance companies as parties in the sale of this product.
Also, according to insurers, the proposed insurance scheme brings increased and unjustified costs to citizens. They argue that insurance companies operating in the market have the expertise, human resources and infrastructure needed to provide insurance products. According to them, the creation of a new state entity or company, as proposed in the draft law, would bring huge expenses to raise these capacities from scratch, expenses that will ultimately be transferred to the citizens.
Another argument put forward by the Association of Insurers is that finding suitable reinsurance programs from powerful global reinsurers would bring much higher costs to the state entity/society, while insurance companies have been supported for years through reinsurance programs by reinsurers. powerful world and have the ability to withstand great damage. According to them, this was proven by the very positive reaction received by the citizens who had their houses insured in the Insurance companies after the 2019 earthquakes.
Also, the Association of Insurers assesses that the content of the draft law raises questions about its constitutionality, as it violates the basic principle of free economic activity, violates the principle of legal certainty, in relation to the legitimate expectation that insurance companies have in a free economic market, in the conditions when the state intervenes, turning from a market regulator into an operator, as well as infringes on the interests of the owners of real estate/apartments that have been insured against earthquakes by insurance companies for periods of several years.
Another problem is that the draft law bypasses the legal framework for the regulation of the insurance market, provided for by law no. 52/2014 "On the activity of insurance and reinsurance".
According to the Association, the draft law also favors foreign entities in the provision of consultancy, management and operational administration related to obtaining insurance and handling the payment of damages, etc.
“Kjo mund të jetë bërë nisur edhe nga projekte të mëparshme të inicuara nga konsulentë të huaj të organizmave ndërkombëtarë por që cenon drejtpërsëdrejti interesat e qytetarëve shqiptarë duke e rënduar koston e sigurimit nga tërmeti si dhe njëkohësisht më të duke marrë në konsideratë lënien jashtë të operatorëve të tregut të sigurimeve në Republikën e Shqipërisë rendimin e imazhit të një tregu financiar tashmë të konsoliduar me investitorë edhe shoqëri sigurimi të tregut europian. Ky veprim përveç të tjerave do cenojë integritetin e tregut të sigurimeve në Shqipëri brenda dhe jashtë vendit si dhe do të ulë interesin e qytetarëve për tu siguruar në sigurimet vullnetare, duke cenuar punën e tregut dhe të Autoritetit të Mbikëqyrjes Financiare i cili ka verifikuar shoqëritë e sigurimeve,” shprehen ata.
Sipas siguruesve shqiptarë, interesat e qytetarëve do të mbroheshin më mirë dhe kostoja që do të paguhej për këtë sigurim do të ishte më e ulët, nëse skema do të merrte në konsideratë edhe shoqëritë e sigurimeve në vend.
“Për arritjen e këtij qëllimi, ne propozojmë që projektligji të ndryshohet duke i mundësuar shoqërive të sigurimit ofrimin e këtij sigurimi për qytetarët, sipas kapaciteteve të aftësisë paguese dhe risigurimit që ato kanë aktualisht. Një qytetar që e siguron pronën nga tërmeti pranë një shoqërie sigurimi sipas kushteve të këtij projektligji, nuk mund të detyrohet të sigurohet edhe pranë shoqërisë/entit shtetëror. Shoqëritë e sigurimeve kanë paguar rreth 40 milionë euro dëme të shkaktuara nga tërmetet e vitit 2019.
This is an indicator of the capacity and financial stability of insurance companies operating in the market. The intervention of the state in the insurance market through this draft law, transforming its mission from a regulator that must guarantee an optimal environment of this market, to a direct actor in this market, directly infringes the economic freedom of insurance companies and for rather, it does not fulfill the goal it aims to achieve," says the letter of the Association of Insurers of Albania./Monitor
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