{"id":8107,"date":"2026-03-03T02:43:22","date_gmt":"2026-03-03T02:43:22","guid":{"rendered":"https:\/\/infoasig.ro\/fransiza-la-asigurari-ce-inseamna-si-cum-iti-schimba-despagubirea\/"},"modified":"2026-03-03T02:43:22","modified_gmt":"2026-03-03T02:43:22","slug":"fransiza-la-asigurari-ce-inseamna-si-cum-iti-schimba-despagubirea","status":"publish","type":"post","link":"https:\/\/infoasig.ro\/en\/fransiza-la-asigurari-ce-inseamna-si-cum-iti-schimba-despagubirea\/","title":{"rendered":"Fran\u0219iza la asigur\u0103ri: ce \u00eenseamn\u0103 \u0219i cum \u00ee\u021bi schimb\u0103 desp\u0103gubirea"},"content":{"rendered":"<p class=\"meta-description\">Afl\u0103 ce este fran\u0219iza la asigur\u0103ri, cum func\u021bioneaz\u0103 fran\u0219iza deductibil\u0103 \u0219i atenuant\u0103 \u0219i de ce influen\u021beaz\u0103 suma pe care o prime\u0219ti la desp\u0103gubire.<\/p>\n<p>C\u00e2nd semnezi un contract de asigurare, unul dintre termenii care apare cel mai frecvent este <strong>fran\u0219iza<\/strong> \u2014 \u0219i pu\u021bini oameni \u00een\u021beleg exact ce presupune. \u00cen acest articol \u00ee\u021bi explic\u0103m clar ce este fran\u0219iza, ce tipuri exist\u0103 \u0219i cum \u00ee\u021bi afecteaz\u0103 banii pe care \u00eei prime\u0219ti \u00een caz de daun\u0103.<\/p>\n<h2>Ce este fran\u0219iza la asigur\u0103ri?<\/h2>\n<p>Fran\u0219iza reprezint\u0103 partea din pagub\u0103 pe care o supor\u021bi tu, ca asigurat, \u00eenainte ca asigur\u0103torul s\u0103 intervin\u0103 cu plata. Cu alte cuvinte, este suma sau procentul din daun\u0103 care r\u0103m\u00e2ne \u00een sarcina ta. Fran\u0219iza este stabilit\u0103 \u00een contractul de asigurare \u0219i variaz\u0103 \u00een func\u021bie de tipul poli\u021bei \u0219i de asigur\u0103tor.<\/p>\n<p>De exemplu, dac\u0103 ai o fran\u0219iz\u0103 de 500 de lei \u0219i suferi o daun\u0103 de 3.000 de lei, asigur\u0103torul \u00ee\u021bi va pl\u0103ti doar 2.500 de lei.<\/p>\n<h2>Tipuri de fran\u0219iz\u0103: deductibil\u0103 \u0219i atenuant\u0103<\/h2>\n<p>Exist\u0103 dou\u0103 tipuri principale de fran\u0219iz\u0103, cu efecte foarte diferite asupra desp\u0103gubirii tale:<\/p>\n<ul>\n<li><strong>Fran\u0219iza deductibil\u0103 (absolut\u0103):<\/strong> Se scade \u00eentotdeauna din desp\u0103gubire, indiferent de valoarea daunei. Dac\u0103 dauna este mai mic\u0103 dec\u00e2t fran\u0219iza, nu prime\u0219ti nimic. Este cel mai des \u00eent\u00e2lnit tip \u00een asigur\u0103rile auto CASCO \u0219i \u00een cele de locuin\u021b\u0103.<\/li>\n<li><strong>Fran\u0219iza atenuant\u0103 (relativ\u0103):<\/strong> Func\u021bioneaz\u0103 ca un prag. Dac\u0103 dauna dep\u0103\u0219e\u0219te valoarea fran\u0219izei, asigur\u0103torul pl\u0103te\u0219te \u00eentreaga sum\u0103, f\u0103r\u0103 s\u0103 deduc\u0103 fran\u0219iza. Dac\u0103 dauna este sub prag, nu se acord\u0103 desp\u0103gubire. Acest tip este mai avantajos pentru asigurat \u00een cazul daunelor mari.<\/li>\n<\/ul>\n<p>\u00cen\u021belegerea diferen\u021bei dintre cele dou\u0103 tipuri te ajut\u0103 s\u0103 alegi poli\u021ba potrivit\u0103 nevoilor tale \u0219i s\u0103 \u0219tii exact la ce s\u0103 te a\u0219tep\u021bi c\u00e2nd depui o cerere de desp\u0103gubire.<\/p>\n<h2>De ce exist\u0103 fran\u0219iza \u0219i cum \u00ee\u021bi influen\u021beaz\u0103 prima de asigurare?<\/h2>\n<p>Fran\u0219iza nu este doar un mecanism de reducere a pl\u0103\u021bilor \u2014 ea are un rol economic clar:<\/p>\n<ul>\n<li><strong>Reduce prima de asigurare:<\/strong> Cu c\u00e2t fran\u0219iza aleas\u0103 este mai mare, cu at\u00e2t pl\u0103te\u0219ti mai pu\u021bin pentru poli\u021b\u0103. Este o modalitate de a economisi dac\u0103 e\u0219ti dispus s\u0103 supor\u021bi o parte mai mare din daune mici.<\/li>\n<li><strong>Descurajeaz\u0103 cererile de desp\u0103gubire minore:<\/strong> Asiguratul evit\u0103 s\u0103 raporteze daune mici, ceea ce men\u021bine costurile generale ale asigur\u0103rilor mai stabile.<\/li>\n<li><strong>Responsabilizeaz\u0103 asiguratul:<\/strong> \u0218tiind c\u0103 vei suporta o parte din pagub\u0103, e\u0219ti mai atent \u00een prevenirea riscurilor.<\/li>\n<\/ul>\n<p>\u00cenainte de a semna orice poli\u021b\u0103, verific\u0103 \u00eentotdeauna valoarea \u0219i tipul fran\u0219izei \u00eenscrise \u00een contract.<\/p>\n<h2>\u00centreb\u0103ri frecvente<\/h2>\n<dl>\n<dt>Pot alege valoarea fran\u0219izei sau este fix\u0103?<\/dt>\n<dd>Depinde de asigur\u0103tor \u0219i de tipul poli\u021bei. La multe asigur\u0103ri CASCO, po\u021bi opta \u00eentre mai multe niveluri de fran\u0219iz\u0103 \u2014 o fran\u0219iz\u0103 mai mare \u00eenseamn\u0103 o prim\u0103 mai mic\u0103. La asigur\u0103rile obligatorii (RCA), fran\u0219iza nu se aplic\u0103 fa\u021b\u0103 de ter\u021bi, ci doar \u00een anumite condi\u021bii pentru asiguratul vinovat.<\/dd>\n<dt>Ce se \u00eent\u00e2mpl\u0103 dac\u0103 dauna este egal\u0103 cu fran\u0219iza?<\/dt>\n<dd>\u00cen cazul fran\u0219izei deductibile, dac\u0103 dauna este egal\u0103 cu fran\u0219iza, desp\u0103gubirea este zero \u2014 supor\u021bi integral paguba. De aceea este important s\u0103 cuno\u0219ti valoarea exact\u0103 a fran\u0219izei din poli\u021ba ta.<\/dd>\n<\/dl>\n<p class=\"cta\">Acum c\u0103 \u0219tii cum func\u021bioneaz\u0103 fran\u0219iza la asigur\u0103ri, compar\u0103 ofertele disponibile \u0219i alege poli\u021ba care \u00ee\u021bi ofer\u0103 cel mai bun echilibru \u00eentre prima pl\u0103tit\u0103 \u0219i protec\u021bia real\u0103 \u2014 solicit\u0103 o ofert\u0103 personalizat\u0103 ast\u0103zi!<\/p>\n\n    <div class=\"xs_social_share_widget xs_share_url after_content \t\tmain_content  wslu-style-1 wslu-share-box-shaped wslu-fill-colored wslu-none wslu-share-horizontal wslu-theme-font-no wslu-main_content\">\n\n\t\t\n        <ul>\n\t\t\t        <\/ul>\n    <\/div>","protected":false},"excerpt":{"rendered":"<p>Afl\u0103 ce este fran\u0219iza la asigur\u0103ri, cum func\u021bioneaz\u0103 fran\u0219iza deductibil\u0103 \u0219i atenuant\u0103 \u0219i de ce influen\u021beaz\u0103 suma pe care o prime\u0219ti la desp\u0103gubire.<\/p>","protected":false},"author":1,"featured_media":8106,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"categories":[12],"tags":[],"booktics_service_category":[],"class_list":["post-8107","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-asigurare-auto"],"_links":{"self":[{"href":"https:\/\/infoasig.ro\/en\/wp-json\/wp\/v2\/posts\/8107","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/infoasig.ro\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/infoasig.ro\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/infoasig.ro\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/infoasig.ro\/en\/wp-json\/wp\/v2\/comments?post=8107"}],"version-history":[{"count":0,"href":"https:\/\/infoasig.ro\/en\/wp-json\/wp\/v2\/posts\/8107\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infoasig.ro\/en\/wp-json\/wp\/v2\/media\/8106"}],"wp:attachment":[{"href":"https:\/\/infoasig.ro\/en\/wp-json\/wp\/v2\/media?parent=8107"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infoasig.ro\/en\/wp-json\/wp\/v2\/categories?post=8107"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infoasig.ro\/en\/wp-json\/wp\/v2\/tags?post=8107"},{"taxonomy":"booktics_service_category","embeddable":true,"href":"https:\/\/infoasig.ro\/en\/wp-json\/wp\/v2\/booktics_service_category?post=8107"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}