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Development of property insurance for citizens in the Czech Republic
Kopecká, Kamila ; Ducháčková, Eva (advisor) ; Daňhel, Jaroslav (referee)
The master thesis analyzes the property insurance for citizens in the Czech Republic with main focus on buildings insurance, household insurance, and accident insurance for non-rail vehicles. The goal of this thesis is to analyze the development of insurance market indicators of the products stated above and to predict their future behavior. To help with the understanding of the practical part, basic terminology and trends in the general insurance market are included in this work. The main indexes to be analyzed are: premium written, claims paid, loss ratio, number of contracts made, average written premium per contract, number of claims settled, average written premium per insured event, and the number of commercial insurance companies. The main data sources for time series analysis for the period between the years 1997 and 2015 are the annual reports of the Czech Insurance Association. The time series analysis showed that building insurance and household insurance are strongly affected by natural disasters - in the Czech Republic the main impact have floods. Since the main purpose of the accident insurance is to cover accidents, it is only partially impacted by natural disasters. The popularity of property insurance has an increasing tendency, which is shown by the insurance market indicators. Box-Jenkins methodology was used to forecast the future development of the insurance market. Similarly to other insurance products, the property insurance undergoes certain changes, to which the insurance companies must respond. These trends are mainly connected to the higher usage of modern technologies - for instance Internet of Things, introduction of Smart Homes or the ,,Pay How-You-Drive'' insurance.
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Fleet Insurance
Žďárská, Kristýna ; Širůček,, Martin (referee) ; Ptáček, Roman (advisor)
This bachelor´s thesis analyzes the current state of the insurance of ABC, s.r.o. and suggests the possibility to improve insurance protection. It focuses on the current insurance products offered by competing insurance companies.
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Motor insurance profitability in the czech insurance market
Roblová, Eliška ; Ducháčková, Eva (advisor) ; Daňhel, Jaroslav (referee)
The diploma thesis is focused on the motor damage and the motor third party liability insurance profitability evaluation of the czech insurance market. In the first part both the czech market devolopment and the current law-making issues with the evaluation of the czech market key indicators are briefly described. Next part of the thesis is focused on the non life insurance market quantitative characteristic in the period from 2003 to 2015. Next part of the thesis deals with the motor damage and the motor third party liability insurance characteristics. In the last two chapters the thesis examines the motor damage and the motor third party liability market with the following evaluation of their profitability by using the combined ratio indicator.
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The analysis of the vehicle insurance
Malá, Markéta ; Radová, Jarmila (advisor) ; Vohralík, Michal (referee)
The bachelor thesis is focused on the analysis of the vehicle insurance in the Czech Republic. In the theoretical section the author deals with compulsory motor third party liability insurance and motor own damage insurance. Theme is a very actual, because of the variability of the market situation, insurance companies create variability within the competitiveness and trying to obtain client. The practical part of thesis deals with the examining the Czech financial market. The author of the thesis focuses on four selected insurance companies according to total premiums written on the compulsory motor third party liability insurance and motor own damage insurance. In the practical part are two examples, on those potential candidates could see the influence of factors. The author of the thesis in the last part wants to find out advantage of the combined product, compared to negotiation of the compulsory motor third party liability insurance and the motor own damage insurance separately.
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Analysis of vehicle insurance market in the Czech Republic and its long-term trends
Habel, Zdeněk ; Prášilová, Marie (advisor) ; Macháček, Otakar (referee)
The aim of this work is to compare the development of the insurance market in the Czech Republic for the period 2000 - 2014 for the emergency vehicle insurance and liability insurance. The theoretical part will focus on the brief history of the insurance industry, the characteristics of insurance principles and definitions, focusing on vehicle insurance. In the second part will be analyzed the development of the insurance market, respectively, written premiums in accident insurance and compulsory insurance for the period 2000 - 2014 in the Czech Republic, its trend and determine the three largest insurers. The final part will be devoted to statistical analysis of indicators of the three largest insurers in 2014. A comparison of product liability and accident insurance of the biggest players in the market
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Means of Transport in Enterprise - Accounting and Tax Aspects
Zámková, Jana ; Vacková, Silvie (referee) ; Polák, Michal (advisor)
This bachelor's thesis deals with difficulties of financing of company fleet which is specialized on rendition of services in commercial security, fire signalization and remote information transfers from these and other systems on boards of centralized security. It contains analyse of fleet financing, comparation of appropriate instruments for personal vehicles financing and proposals for optimal ways of fleet financing.
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Car insurance on the Czech insurance market
Kubeš, Jan ; Oborilová, Mária (advisor) ; Vohralík, Michal (referee)
The First part of this bachelor thesis is theoretically focused on car insurance, especially AmE property damage liability and accident insurance. The character of these two insurance is further developed in parts of the legislation, insurance contract, insurance terms and conditions and the factors affecting the price of insurance. In the chapter about accident insurance is an emphasis on exclusions from insurance payout, additional GAP insurance and benefits from connecting both insurance under one insurance company. Additional information is summarized in chapter about additional insurance, assistance services and about the system called bonus/malus. The obtained theoretical knowledge is used to compare the insurance products of three selected insurance company. This comparison can be considered as an investigator in a decision making process.
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Car Insurance
Růžička, Jan ; Gruber, Petr (advisor) ; Hanzlík, Karel (referee)
The aim of this thesis is to describe the car insurance in the Czech republic. The car insurance consists of two major areas, the liability insurance of vehicle and the accident insurance. This thesis enables the reader to understand the pricipal aspects of car insurance and their interactions. In the first part is explained the liability insurance of vehicle which is required for all motor vehicles. The second part is focused on the voluntary accident insurance and additional accident insurance products. In the last part of the thesis are compared offers from individual insurance companies based on inquiries from two model applicants with the selection of the optimal product for each applicant based on their different conditions and life situation.
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