{"id":25,"date":"2026-07-05T08:00:00","date_gmt":"2026-07-05T05:00:00","guid":{"rendered":"https:\/\/surduasigurari.ro\/news\/?p=25"},"modified":"2026-07-05T08:00:00","modified_gmt":"2026-07-05T05:00:00","slug":"ratingul-financiar-al-asiguratorilor-de-ce-conteaza-si-cum-i","status":"publish","type":"post","link":"https:\/\/surduasigurari.ro\/news\/ratingul-financiar-al-asiguratorilor-de-ce-conteaza-si-cum-i\/","title":{"rendered":"Ratingul financiar al asigur\u0103torilor: de ce conteaz\u0103 \u0219i cum \u00eel verifici \u00eenainte s\u0103 cumperi poli\u021ba"},"content":{"rendered":"<p>C\u00e2nd alegi un asigurator, te ui\u021bi de obicei la pre\u021b. Poate \u0219i la recenzii. Dar exist\u0103 un indicator pe care pu\u021bini \u00eel verific\u0103, de\u0219i spune mai mult dec\u00e2t orice recenzie: ratingul financiar. Acesta \u00ee\u021bi arat\u0103 c\u00e2t de solid\u0103 e compania care \u00ee\u021bi promite c\u0103 va pl\u0103ti dac\u0103 ai o daun\u0103 \u2014 \u0219i dac\u0103 \u00ee\u0219i va putea \u021bine promisiunea peste 5 sau 10 ani.<\/p>\n<h2>Ce este ratingul financiar \u0219i cine \u00eel acord\u0103<\/h2>\n<p>Ratingul financiar al unui asigurator este o evaluare independent\u0103 a stabilit\u0103\u021bii sale financiare \u2014 practic, o not\u0103 care spune c\u00e2t de probabil e c\u0103 acea companie s\u0103-\u0219i poat\u0103 onora obliga\u021biile fa\u021b\u0103 de asigura\u021bi.<\/p>\n<p>Ratingurile sunt acordate de agen\u021bii interna\u021bionale specializate, cele mai cunoscute fiind:<\/p>\n<ul>\n<li><strong>AM Best<\/strong> \u2014 specializat\u0103 exclusiv \u00een industria asigur\u0103rilor, considerat\u0103 referin\u021b\u0103 global\u0103<\/li>\n<li><strong>Standard &#038; Poor&#8217;s (S&#038;P)<\/strong> \u2014 agen\u021bie de rating generalist\u0103, acoper\u0103 \u0219i sectorul asigur\u0103rilor<\/li>\n<li><strong>Moody&#8217;s<\/strong> \u0219i <strong>Fitch<\/strong> \u2014 alte agen\u021bii majore cu acoperire \u00een asigur\u0103ri<\/li>\n<\/ul>\n<p>Aceste agen\u021bii analizeaz\u0103 structura capitalului, rezervele tehnice, calitatea investi\u021biilor, istoricul de daune \u0219i al\u021bi indicatori financiari ai asigur\u0103torului, apoi emit o not\u0103.<\/p>\n<p><strong>Scara de notare<\/strong> variaz\u0103 u\u0219or \u00eentre agen\u021bii, dar \u00een general arat\u0103 a\u0219a:<\/p>\n<ul>\n<li><strong>AAA \/ Aaa \/ A++<\/strong> \u2014 stabilitate excep\u021bional\u0103, cel mai \u00eenalt nivel<\/li>\n<li><strong>AA \/ Aa \/ A+<\/strong> \u2014 stabilitate foarte bun\u0103<\/li>\n<li><strong>A \/ A<\/strong> \u2014 solid\u0103, capacitate bun\u0103 de a pl\u0103ti daune<\/li>\n<li><strong>BBB \/ Baa \/ B++<\/strong> \u2014 adecvat\u0103, dar cu unele vulnerabilit\u0103\u021bi<\/li>\n<li>Sub <strong>BBB<\/strong> \u2014 vulnerabilitate crescut\u0103, necesit\u0103 aten\u021bie sporit\u0103<\/li>\n<\/ul>\n<p>Companiile f\u0103r\u0103 rating public nu sunt neap\u0103rat \u00een pericol, dar lipsa ratingului \u00eenseamn\u0103 c\u0103 nu ai o evaluare independent\u0103 a s\u0103n\u0103t\u0103\u021bii lor financiare.<\/p>\n<h2>Cum verifici ratingul \u00eenainte s\u0103 cumperi<\/h2>\n<p><strong>Pasul 1 \u2014 Caut\u0103 pe site-ul asigur\u0103torului<\/strong><\/p>\n<p>Companiile cu rating bun \u00eel afi\u0219eaz\u0103 de obicei cu m\u00e2ndrie pe site, \u00een sec\u021biunile \u201eDespre noi&#8221; sau \u201eStabilitate financiar\u0103&#8221;. Dac\u0103 nu \u00eel g\u0103se\u0219ti, treci la pasul urm\u0103tor.<\/p>\n<p><strong>Pasul 2 \u2014 Verific\u0103 direct la agen\u021biile de rating<\/strong><\/p>\n<p>Pe site-urile AM Best, S&#038;P, Moody&#8217;s sau Fitch exist\u0103 func\u021bii de c\u0103utare public\u0103. Introdu numele companiei \u0219i verific\u0103 ratingul curent. Aten\u021bie: unele rapoarte complete sunt contra cost, dar nota de rating e de regul\u0103 disponibil\u0103 gratuit.<\/p>\n<p><strong>Pasul 3 \u2014 Verific\u0103 rapoartele ASF<\/strong><\/p>\n<p>Autoritatea de Supraveghere Financiar\u0103 public\u0103 periodic rapoarte privind solvabilitatea asigur\u0103torilor din Rom\u00e2nia (raportul Solvency II). Aceste date nu sunt identice cu un rating AM Best, dar ofer\u0103 o imagine a s\u0103n\u0103t\u0103\u021bii financiare a companiilor active local.<\/p>\n<p><strong>Pasul 4 \u2014 \u00centreab\u0103 brokerul<\/strong><\/p>\n<p>Un broker autorizat cunoa\u0219te situa\u021bia financiar\u0103 a asigur\u0103torilor cu care lucreaz\u0103 \u0219i poate orienta rapid \u00een func\u021bie de profilul t\u0103u de risc.<\/p>\n<h2>Ce \u00eenseamn\u0103 ratingul \u00een practic\u0103 c\u00e2nd ai o daun\u0103<\/h2>\n<p>Un rating ridicat \u00eenseamn\u0103 c\u0103, statistic, asiguratorul are rezervele necesare s\u0103 pl\u0103teasc\u0103 daunele promise. Nu garanteaz\u0103 c\u0103 dosarul t\u0103u va fi solu\u021bionat rapid sau f\u0103r\u0103 discu\u021bii, dar reduce semnificativ riscul ca banii s\u0103 nu existe c\u00e2nd ai nevoie de ei.<\/p>\n<p>Un asigurator cu rating sc\u0103zut sau f\u0103r\u0103 rating poate fi perfect func\u021bional ani la r\u00e2nd \u2014 \u0219i poate intra \u00een dificultate tocmai \u00een momentul \u00een care ai o daun\u0103 mare. Aceasta e diferen\u021ba dintre un pre\u021b mic azi \u0219i o problem\u0103 real\u0103 m\u00e2ine.<\/p>\n<p><strong>Ilustrativ:<\/strong> o firm\u0103 cu active de c\u00e2teva milioane de euro asigurat\u0103 la un asigurator cu rating A- are o alt\u0103 siguran\u021b\u0103 dec\u00e2t una asigurat\u0103 la o companie mic\u0103, f\u0103r\u0103 rating \u0219i cu pre\u021buri mult sub pia\u021b\u0103 \u2014 chiar dac\u0103 poli\u021ba pare identic\u0103.<\/p>\n<h2>Pre\u021bul e important, dar nu e singurul criteriu<\/h2>\n<p>Ratingul financiar e unul dintre criteriile pe care un broker bun le ia \u00een calcul c\u00e2nd \u00ee\u021bi recomand\u0103 o solu\u021bie, al\u0103turi de acoperirile poli\u021bei, istoricul de daune al companiei \u0219i pre\u021bul. Nu e obligatoriu s\u0103 alegi cel mai scump asigurator \u2014 dar nici cel mai ieftin nu e automat cea mai bun\u0103 alegere.<\/p>\n<p>La Surdu Asigur\u0103ri te ajut\u0103m s\u0103 c\u00e2nt\u0103re\u0219ti toate aceste criterii \u0219i s\u0103 alegi o poli\u021b\u0103 care s\u0103 func\u021bioneze cu adev\u0103rat c\u00e2nd ai nevoie de ea. Sun\u0103 la <strong>0748 976 933<\/strong>, scrie pe <strong>[WhatsApp](https:\/\/wa.me\/40748976933)<\/strong> sau la <strong>birou@surduasigurari.ro<\/strong>. Toate detaliile pe <strong>surduasigurari.ro<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ce este ratingul financiar al unui asigurator, cine \u00eel acord\u0103, ce \u00eenseamn\u0103 notele \u00een practic\u0103 \u0219i cum \u00eel folose\u0219ti c\u00e2nd alegi o poli\u021b\u0103.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-25","post","type-post","status-publish","format-standard","hentry","category-asigurari"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ratingul financiar al asigur\u0103torilor: de ce conteaz\u0103 \u0219i cum \u00eel verifici \u00eenainte s\u0103 cumperi poli\u021ba - Surdu Asigur\u0103ri<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/surduasigurari.ro\/news\/ratingul-financiar-al-asiguratorilor-de-ce-conteaza-si-cum-i\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ratingul financiar al asigur\u0103torilor: de ce conteaz\u0103 \u0219i cum \u00eel verifici \u00eenainte s\u0103 cumperi poli\u021ba - 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