Princip srazmernosti premije težini rizika na primeru osiguranja od odgovornosti vlasnika motornih vozila – podzakonska aktivnost Narodne banke Srbije

Abstract

Principle of the proportionality of the premium to the weight of the risk is one of the fundamental rules of insurance law. Having in mind the importance of the motor liability insurance for the national market of insurance as well as its compulsory character, supervisory body prescribes the sequence of steps which should be taken in order to change premium tariffs. Procedural order aims to make it easier for the supervisory body to convince itself of the justification of the tariff change. If it emerges from the submitted documentation that the insurance company is faced with an increase in the price of auto parts due to inflation, it is logical to increase tariffs. Author concludes that detailed standardization of the procedure for changing the premium tariff contributes to sustainable supervision in insurance and the protection of consumers of insurance services, which is an indispensable part of well-founded strategy of ESG.