{"id":9263,"date":"2026-10-25T23:09:16","date_gmt":"2026-10-25T22:09:16","guid":{"rendered":"https:\/\/accigest.com\/?p=9263"},"modified":"2026-10-26T10:50:23","modified_gmt":"2026-10-26T09:50:23","slug":"valor-venal-de-mercat-i-nou-dun-cotxe-guia-completa-de-definicions","status":"publish","type":"post","link":"https:\/\/accigest.com\/ca\/valor-venal-de-mercat-i-nou-dun-cotxe-guia-completa-de-definicions\/","title":{"rendered":"Valor venal, de mercat i nou d&#8217;un cotxe: Guia completa de definicions"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Quan pateixes un accident de tr\u00e0nsit i la teva companyia d&#8217;assegurances comen\u00e7a a parlar de taxacions, \u00e9s f\u00e0cil perdre&#8217;s entre tanta terminologia t\u00e8cnica. Conceptes com el <strong>valor venal d&#8217;un cotxe<\/strong>, el <strong>valor de mercat<\/strong>, el <strong>valor d&#8217;afecci\u00f3<\/strong> o el <strong>valor de nou<\/strong> determinen la quantitat de diners que rebr\u00e0s si han declarat el teu cotxe sinistre total. <\/p>\n\n<p class=\"wp-block-paragraph\">Con\u00e8ixer al detall <strong>qu\u00e8 significa cada tipus de valor d&#8217;un vehicle<\/strong> \u00e9s l&#8217;\u00fanica eina real que tens per comprovar si la proposta de la teva asseguradora \u00e9s justa o si intenta indemnitzar-te a la baixa.<\/p>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_88 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Taula de continguts<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6ae06fc5bf576\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6ae06fc5bf576\"  aria-label=\"Toggle\" \/><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:\/\/accigest.com\/ca\/valor-venal-de-mercat-i-nou-dun-cotxe-guia-completa-de-definicions\/#Que_es_el_valor_venal_dun_cotxe\" >Qu\u00e8 \u00e9s el valor venal d&#8217;un cotxe?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/accigest.com\/ca\/valor-venal-de-mercat-i-nou-dun-cotxe-guia-completa-de-definicions\/#El_valor_de_mercat_o_de_reposicio\" >El valor de mercat o de reposici\u00f3<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/accigest.com\/ca\/valor-venal-de-mercat-i-nou-dun-cotxe-guia-completa-de-definicions\/#Diferencia_entre_valor_venal_i_valor_de_mercat\" >Difer\u00e8ncia entre valor venal i valor de mercat<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/accigest.com\/ca\/valor-venal-de-mercat-i-nou-dun-cotxe-guia-completa-de-definicions\/#Que_es_el_valor_dafeccio\" >Qu\u00e8 \u00e9s el valor d&#8217;afecci\u00f3?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/accigest.com\/ca\/valor-venal-de-mercat-i-nou-dun-cotxe-guia-completa-de-definicions\/#El_valor_de_nou\" >El valor de nou<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/accigest.com\/ca\/valor-venal-de-mercat-i-nou-dun-cotxe-guia-completa-de-definicions\/#Que_es_el_valor_de_les_restes\" >Qu\u00e8 \u00e9s el valor de les restes?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_es_el_valor_venal_dun_cotxe\"><\/span><strong>Qu\u00e8 \u00e9s el valor venal d&#8217;un cotxe?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">El <strong>valor venal d&#8217;un cotxe<\/strong> \u00e9s el valor comercial que t\u00e9 el vehicle <strong>just abans de patir l&#8217;accident de tr\u00e0nsit<\/strong>. En termes pr\u00e0ctics, s\u00f3n els diners que obtendries si decidissis vendre el cotxe al mercat de segona m\u00e0 en aquell prec\u00eds instant. <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Com es calcula?<\/strong> Les companyies d&#8217;assegurances recorren a butlletins estad\u00edstics oficials i restringits del sector automatriu, principalment elaborats per empreses de taxaci\u00f3 com Ganvam o Eurotax. Aquestes taules s&#8217;actualitzen de forma trimestral i segmenten els preus segons la marca, el model exacte, la motoritzaci\u00f3, el combustible i l&#8217;any de matriculaci\u00f3 del cotxe. A mode d\u2019exemple, a continuaci\u00f3 podran veure el valor venal d\u2019un cotxe en concret:  <\/li>\n<\/ul>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"989\" height=\"970\" src=\"https:\/\/accigest.com\/wp-content\/uploads\/2026\/10\/valor-venal-precios.png\" alt=\"\" class=\"wp-image-9237\"\/><\/figure>\n<\/div>\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"alert alert-danger d-flex align-items-center\" role=\"alert\">\n  <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" style=\"width: 70px; margin-right: 15px\"><title>alert<\/title><path fill=\"currentColor\" d=\"M13 14h-2V9h2m0 9h-2v-2h2M1 21h22L12 2z\"><\/path>\n<\/svg>\n  <div>\n    <strong>Error habitual amb Hisenda:<\/strong> Els valors de l&#8217;escala del Ministeri d&#8217;Hisenda (utilitzats per calcular impostos de transmissions patrimonials) <strong>no s\u00f3n aplicables<\/strong> per fixar les indemnitzacions per sinistres vials. Les taxacions d&#8217;assegurances s&#8217;han de guiar obligat\u00f2riament pels butlletins professionals abans esmentats. \n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"El_valor_de_mercat_o_de_reposicio\"><\/span><strong>El valor de mercat o de reposici\u00f3<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">El <strong>valor de mercat<\/strong> (tamb\u00e9 conegut t\u00e8cnicament com a valor de reposici\u00f3) representa el preu de compra real que t\u00e9 el cotxe en un establiment de compravenda o concessionari professional en la data del sinistre.<\/p>\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Diferencia_entre_valor_venal_i_valor_de_mercat\"><\/span><strong>Difer\u00e8ncia entre valor venal i valor de mercat<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">Encara que semblin termes id\u00e8ntics, existeix una difer\u00e8ncia econ\u00f2mica crucial entre tots dos:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>El <strong>valor venal<\/strong> equival al preu de <em>venda<\/em> del cotxe per part d&#8217;un particular.<\/li>\n\n\n\n<li>El <strong>valor de mercat<\/strong> \u00e9s el preu de <em>compra<\/em> en un centre professional, per la qual cosa ja inclou els marges comercials del venedor, les despeses de gestoria, els impostos de transfer\u00e8ncia i la garantia legal obligat\u00f2ria. Per aquest motiu, el valor de mercat \u00e9s sempre superior al valor venal. <\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_es_el_valor_dafeccio\"><\/span><strong>Qu\u00e8 \u00e9s el valor d&#8217;afecci\u00f3?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">El <strong>valor d&#8217;afecci\u00f3<\/strong> \u00e9s un increment percentual que s&#8217;aplica sobre el valor venal del vehicle sinistrat. Aquest concepte jur\u00eddic serveix per compensar el propietari pel valor sentimental del vehicle, el perjudici derivat de la p\u00e8rdua del mitj\u00e0 de transport habitual i les mol\u00e8sties associades a haver de buscar i adquirir un cotxe de substituci\u00f3 similar. <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Percentatge aplicable: <\/strong>Per criteri jurisprudencial general, el valor d&#8217;afecci\u00f3 s&#8217;estableix en un <strong>30% addicional sobre el valor venal<\/strong> en turismes i motocicletes, tot i que aquesta xifra pot patir lleugeres variacions depenent dels criteris judicials espec\u00edfics de cada zona.<\/li>\n\n\n\n<li><strong>Un exemple pr\u00e0ctic: <\/strong>Si les taules oficials determinen que el valor venal del teu cotxe \u00e9s de 2.000\u20ac, el c\u00e0lcul correcte sumant aquest concepte ser\u00e0:<\/li>\n<\/ul>\n\n<pre class=\"wp-block-preformatted has-custom-css wp-custom-css-c5c69e98\">2.000\u20ac (valor venal) + 600\u20ac (30% de valor d'afecci\u00f3) = 2.600\u20ac<\/pre>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"El_valor_de_nou\"><\/span><strong>El valor de nou<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">El <strong>valor de nou <\/strong>\u00e9s el preu de venda al p\u00fablic que t\u00e9 el cotxe sortint directament de f\u00e0brica com a vehicle a estrenar. Aquesta quantitat econ\u00f2mica inclou l&#8217;equipament de s\u00e8rie, tots els extres opcionals que tingu\u00e9s el vehicle abans de l&#8217;accident, l&#8217;IVA i l&#8217;impost de matriculaci\u00f3. <\/p>\n\n<p class=\"wp-block-paragraph\">Aquest valor sol aplicar-se principalment en les reclamacions contractuals de p\u00f2lisses a Tot Risc quan l&#8217;assegurat \u00e9s el responsable del sinistre. La immensa majoria de les asseguradores garanteixen el valor de nou del vehicle \u00fanicament si l&#8217;accident ocorre durant el primer o segon any de vida des de la seva data de matriculaci\u00f3 inicial. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_es_el_valor_de_les_restes\"><\/span><strong>Qu\u00e8 \u00e9s el valor de les restes?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">El valor de les restes \u00e9s el valor residual o de cotitzaci\u00f3 que mant\u00e9 el cotxe danyat despr\u00e9s de l&#8217;accident, considerant l&#8217;estat material en qu\u00e8 es troba (el seu valor com a ferralla o per a l&#8217;aprofitament de recanvis en un desgu\u00e0s).<\/p>\n\n<p class=\"wp-block-paragraph\">Si la companyia d&#8217;assegurances decideix no quedar-se amb el cotxe, est\u00e0 obligada a aportar-te una oferta vinculant de compra emesa per un centre autoritzat de tractament de vehicles. Si finalment decideixes quedar-te amb el cotxe per reparar-lo de forma independent o vendre les peces pel teu compte, l&#8217;asseguradora restar\u00e0 aquest valor del total de la teva indemnitzaci\u00f3: <\/p>\n\n<pre class=\"wp-block-preformatted has-custom-css wp-custom-css-c2305f59\">2.000\u20ac (venal) + 600\u20ac (afecci\u00f3) - 250\u20ac (valor de restes) = 2.350\u20ac<\/pre>\n\n<p class=\"wp-block-paragraph\"><strong>Conflictes habituals en la valoraci\u00f3 d&#8217;assegurances<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">Les asseguradores incorren de forma habitual en pr\u00e0ctiques que redueixen dr\u00e0sticament la quantia de les indemnitzacions basant-se en interpretacions interessades d&#8217;aquests conceptes informatius:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Ometre de forma sistem\u00e0tica el valor d&#8217;afecci\u00f3: <\/strong>Les companyies d&#8217;assegurances tendeixen a presentar ofertes basades purament en el valor venal ras, ocultant el dret al 30% addicional per afecci\u00f3.<\/li>\n\n\n\n<li><strong>Conflicte per convenis sectorials: <\/strong>A causa dels convenis d&#8217;indemnitzaci\u00f3 directa entre asseguradores (Convenis CIDE, ASCIDE o CICOS), en la majoria d&#8217;ocasions <strong>qui abona els diners de la teva indemnitzaci\u00f3 \u00e9s la teva pr\u00f2pia companyia<\/strong>, la qual cosa genera un clar conflicte d&#8217;interessos per oferir-te la valoraci\u00f3 m\u00e9s baixa possible.<\/li>\n\n\n\n<li><strong>Retallades per operacions anti-econ\u00f2miques: <\/strong>Quan el cost estimat de reparaci\u00f3 supera amb escreix el valor de mercat, les companyies utilitzen l&#8217;argument de la reparaci\u00f3 anti-econ\u00f2mica per imposar el pagament exclusiu del valor venal b\u00e0sic.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Si han declarat el teu cotxe sinistre total i et trobes al mig d&#8217;una disputa econ\u00f2mica d&#8217;aquest tipus, el proc\u00e9s per reclamar aquestes quantitats requereix assist\u00e8ncia legal espec\u00edfica.<\/p>\n\n<p class=\"wp-block-paragraph\"><em>Per con\u00e8ixer detalladament els passos jur\u00eddics que has de fer i les opcions que tens per defensar els teus drets, et recomanem consultar el nostre servei especialitzat en la <a href=\"https:\/\/accigest.com\/ca\/serveis\/sinistre-total-cotxe\/\" target=\"_blank\" rel=\"noopener\">reclamaci\u00f3 d&#8217;indemnitzaci\u00f3 per sinistre total de cotxe<\/a><\/em>.<\/p>\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"Quan pateixes un accident de tr\u00e0nsit i la teva companyia d'assegurances comen\u00e7a a parlar de taxacions, \u00e9s f\u00e0cil perdre's entre tanta terminologia t\u00e8cnica. Conceptes com el valor venal d'un cotxe, el valor de mercat, el valor d'afecci\u00f3 o el valor de nou determinen la quantitat de diners que rebr\u00e0s si&hellip;&nbsp;<a class=\"read-more\" href=\"https:\/\/accigest.com\/ca\/valor-venal-de-mercat-i-nou-dun-cotxe-guia-completa-de-definicions\/\">Llegir m\u00e9s<\/a>","protected":false},"author":6,"featured_media":9264,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[112],"tags":[],"class_list":["post-9263","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualitat"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Valor venal, de mercat i nou d&#039;un cotxe: Guia completa de definicions - Accigest<\/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:\/\/accigest.com\/ca\/valor-venal-de-mercat-i-nou-dun-cotxe-guia-completa-de-definicions\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Valor venal, de mercat i nou d&#039;un cotxe: Guia completa de definicions - Accigest\" \/>\n<meta property=\"og:description\" content=\"Quan pateixes un accident de tr\u00e0nsit i la teva companyia d&#8217;assegurances comen\u00e7a a parlar de taxacions, \u00e9s f\u00e0cil perdre&#8217;s entre tanta terminologia t\u00e8cnica. 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