{"id":23554,"date":"2021-11-11T11:00:00","date_gmt":"2021-11-11T10:00:00","guid":{"rendered":"https:\/\/www.mgc.es\/?p=23554"},"modified":"2021-11-18T16:29:28","modified_gmt":"2021-11-18T15:29:28","slug":"les-assegurances-privades-tenen-iva","status":"publish","type":"post","link":"https:\/\/www.mgc.es\/ca\/blog\/les-assegurances-privades-tenen-iva\/","title":{"rendered":"Les assegurances privades tenen IVA? Impostos i assegurances"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndex de continguts<\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.mgc.es\/ca\/blog\/les-assegurances-privades-tenen-iva\/#Les_assegurances_privades_tenen_IVA\" >Les assegurances privades tenen IVA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.mgc.es\/ca\/blog\/les-assegurances-privades-tenen-iva\/#Les_assegurances_tenen_impostos_Quins_son\" >Les assegurances tenen impostos? Quins s\u00f3n?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.mgc.es\/ca\/blog\/les-assegurances-privades-tenen-iva\/#Com_afecten_els_canvis_en_lIVA_a_les_assegurances_article_20_Llei_371992\" >Com afecten els canvis en l&#8217;IVA a les assegurances? (article 20 Llei 37\/1992)<\/a><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\">La major part dels productes i serveis que es comercialitzen al nostre pa\u00eds estan subjectes a l&#8217;IVA, que \u00e9s l&#8217;Impost sobre el Valor Afegit. Aquest ha de ser pagat pels consumidors quan adquireixen un b\u00e9 o quan gaudeixen d&#8217;un servei. Com que s\u00f3n la majoria, \u00e9s normal preguntar-se si les assegurances tenen IVA o si, per contra, estan subjectes a altres impostos. T&#8217;ho expliquem tot de manera detallada.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Les_assegurances_privades_tenen_IVA\"><\/span>Les assegurances privades tenen IVA?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A la pregunta de si les assegurances tenen IVA, la resposta \u00e9s que no. Simes no, tal com avan\u00e7\u00e0vem, s\u00ed que estan subjectes a una altra mena d&#8217;impostos. D&#8217;acord amb l&#8217;article 20 de la Llei 37\/1992, de 28 de desembre, o Llei de l&#8217;Impost sobre el Valor Afegit, les primes de les assegurances no el suporten, i cita textualment que \u201ctotes les operacions d&#8217;asseguran\u00e7a, reasseguran\u00e7a i capitalitzaci\u00f3 estan exemptes d&#8217;IVA\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per\u00f2 a m\u00e9s, s&#8217;especifica que aquesta exempci\u00f3 s&#8217;aplica als seg\u00fcents: \u201cels serveis de mediaci\u00f3, incloent-hi la captaci\u00f3 de clients, per a la formalitzaci\u00f3 del contracte entre les parts intervinents en la realitzaci\u00f3 de les anteriors operacions, amb independ\u00e8ncia de la condici\u00f3 de l&#8217;empresari o professional que els presti. Dins de les operacions d&#8217;asseguran\u00e7a s&#8217;entendran compreses les modalitats de previsi\u00f3\u201d.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Les_assegurances_tenen_impostos_Quins_son\"><\/span>Les assegurances tenen impostos? Quins s\u00f3n?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Encara que ja sapiguem que les assegurances no tenen IVA, s\u00ed que estan subjectes a altres tributs i rec\u00e0rrecs que cal tenir en compte. Aquests s\u00f3n, en concret, tres: l&#8217;impost sobre les Primes de l&#8217;asseguran\u00e7a, la taxa del Consorci de Compensaci\u00f3 d&#8217;Assegurances i els rec\u00e0rrecs pels fraccionaments en el pagament de la p\u00f2lissa. Vegem cadascun d&#8217;ells amb m\u00e9s detall.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Primes de l&#8217;Asseguran\u00e7a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;Impost sobre les Primes de l&#8217;Asseguran\u00e7a s&#8217;aplica a aquelles assegurances on el volum de les primes, o aportaci\u00f3 econ\u00f2mica per part de la persona assegurada, \u00e9s molt elevat. Ascendeix al 8% de l&#8217;import net de la prima (increment que va entrar en vigor l&#8217;1 de gener de 2021) i es considera indirecte, en pagar-se en el moment del pagament. Afecta les assegurances de la llar, d&#8217;accidents, d&#8217;autom\u00f2bils o de responsabilitat civil.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per contra, queden fora d&#8217;aquest pagament <a href=\"https:\/\/www.mgc.es\/vida\/\" target=\"_blank\" rel=\"noreferrer noopener\">les assegurances de vida<\/a>, les socials obligat\u00f2ries i les col\u00b7lectives, les d&#8217;assist\u00e8ncia sanit\u00e0ria i malaltia, les de cauci\u00f3 i cr\u00e8dit a l&#8217;exportaci\u00f3, les agr\u00e0ries combinades, les operacions relacionades amb el transport internacional de mercaderies i de viatgers o les assegurances per a vaixells i aeronaus de transport internacional, amb l&#8217;excepci\u00f3 dels privats d&#8217;esbarjo.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Taxa del Consorci de Compensaci\u00f3 d\u2019Assegurances<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Aquest organisme p\u00fablic, que dep\u00e8n del Ministeri d&#8217;Economia, abasta els riscos excepcionals que no cobreixen les asseguradores, com les cat\u00e0strofes naturals; actua com a fons de garantia en casos d&#8217;insolv\u00e8ncia o abs\u00e8ncia d&#8217;asseguran\u00e7a, i cobreix la responsabilitat civil dels qui s\u00f3n rebutjats per diverses companyies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quan es paga la prima d&#8217;una asseguran\u00e7a privada, es destina una part a aquesta taxa. Aix\u00ed, es crea un fons que cobreix les indemnitzacions que queden fora de la cobertura de les companyies. De manera peri\u00f2dica, la Direcci\u00f3 General d&#8217;Assegurances i Fons de Pensions audita a les asseguradores per a evitar fraus amb la seva recaptaci\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Rec\u00e0rrecs per fraccionaments<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Quan es fracciona un pagament, l&#8217;import de cada prima es redueix, per\u00f2 a canvi se li afegeixen uns interessos. Aquest fraccionament tamb\u00e9 pot realitzar-se en la taxa del Consorci, que es veur\u00e0 subjecta tamb\u00e9 a uns interessos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;import d&#8217;aquests rec\u00e0rrecs \u00e9s del 0,15% en el finan\u00e7ament de l&#8217;activitat liquidadora de les asseguradores pel Consorci de Compensaci\u00f3 d&#8217;Assegurances. En el cas de l&#8217;Asseguran\u00e7a de Riscos Extraordinaris i Danys Directes, l&#8217;import varia, per\u00f2 sol ser el 2% sobre la prima de la majoria de les assegurances, a excepci\u00f3 de la responsabilitat civil (excepte en vehicles de motor), la construcci\u00f3, cr\u00e8dits, agraris, cauci\u00f3, muntatge, assist\u00e8ncia sanit\u00e0ria i malaltia i la defensa jur\u00eddica.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Finalment, s&#8217;aplica el rec\u00e0rrec sobre l&#8217;asseguran\u00e7a de responsabilitat civil, obligatori en els vehicles de motor. Amb aquest es finan\u00e7a al Consorci de Compensaci\u00f3 d&#8217;Assegurances per a les v\u00edctimes i altres persones perjudicades pels danys que causin els vehicles no assegurats.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Com_afecten_els_canvis_en_lIVA_a_les_assegurances_article_20_Llei_371992\"><\/span>Com afecten els canvis en l&#8217;IVA a les assegurances? (article 20 Llei 37\/1992)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Amb la pregunta de si les assegurances privades tenen IVA contestada i amb els diferents tributs que s&#8217;apliquen clars, existeix un altre dubte que tamb\u00e9 ens pot sorgir. Aquesta \u00e9s si els canvis en aquest impost afecten les primes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En efecte, qualsevol modificaci\u00f3 de l&#8217;IVA repercuteix en la quantia que s&#8217;abona a la companyia asseguradora. El motiu rau en el fet que tots els productes i serveis que aquella s&#8217;encarrega de cobrir tindran un cost m\u00e9s elevat per l&#8217;augment del rec\u00e0rrec. \u00c9s a dir, que la companyia faria un desemborsament major i, per tant, aquest increment es reflectir\u00e0 tamb\u00e9 en la quantitat que sol\u00b7liciten per a la cobertura.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si est\u00e0s buscant contractar una asseguran\u00e7a, fes un cop d&#8217;ull a les assegurances d&#8217;<a href=\"http:\/\/www.mgc.es\" target=\"_blank\" rel=\"noreferrer noopener\">MGC M\u00fatua <\/a>. A la nostra p\u00e0gina web podr\u00e0s consultar totes les assegurances i saber m\u00e9s sobre les nostres p\u00f2lisses i condicions exactes de les nostres assegurances.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La major part dels productes i serveis que es comercialitzen al nostre pa\u00eds estan subjectes a l&#8217;IVA, que \u00e9s l&#8217;Impost sobre el Valor Afegit. Aquest ha de ser pagat pels consumidors quan adquireixen un b\u00e9 o quan gaudeixen d&#8217;un servei. Com que s\u00f3n la majoria, \u00e9s normal preguntar-se si les assegurances tenen IVA o si, [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":23555,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[],"class_list":["post-23554","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assegurances"],"featured_image_src":"https:\/\/www.mgc.es\/wp-content\/uploads\/2021\/10\/seguros-privados-tienen-iva-min-scaled.jpg","author_info":{"display_name":"Revista Inter\u00e8s Mutu","author_link":"https:\/\/www.mgc.es\/ca\/blog\/author\/interesmutu\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Les assegurances privades tenen IVA? 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