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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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Změny v likvidaci pojistných událostí vyplývající z nového Občanského zákona
Haluza, Jan
The thesis focuses on the issues of liquidation insured events on vehicles from car instance which is associated with new law of number 89/2012 Sb., the civil code. It describes the changes that arose with the accession of the new civil code as opposed to old civil code no. 40/1964 Sb., which was valid until 29th December 2013. There is described a process of liquidation and specific changes in determing the cost of repairing the vehicle and calculate the real damages. Based on the information suggests a means for assessing the effectiveness of the repair costs.
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Analysis of Indicators Indemnification of Liability Insurance
Večerka, Vojtěch ; Kimmer, Jan (referee) ; Kropáč, Jiří (advisor)
This bachelor thesis deals with the analysis of times series of the average damage to compulsory third-party insurance in the AXA insurance company, jsc. This paper describes the theoretical foundations which are then used in the practical part – there an average damage is analysed from different points of view. Preventive measures to avoid fluctuations of average damage are suggested in the conclusion.
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The Application of Fuzzy Logic in Insurance Business
Sedlák, Martin ; Kittner, Petr (referee) ; Dostál, Petr (advisor)
The dissertation looks into the problematic of evaluaing the customer's solvency. It specifically focuses on using the Fuzzy logic when calculating the correct value of the third party insurance, as it is a legal requirment by law in the Czech republic, applying to every motor vehical in use. The first part of the dissertation analyses existing calculation system. As there doesn't exist any unifed fiugre table, an indicative price list has been created by using accessible sources. This price list helped to optimalize variable quantity when inventing own model to be put in practice. Suggested solutions have been made by using the MS Excel and MATLAB programs. Newly created models consist of some parameters which havn't been used for the calculations yet, but can help achieve higher objectivity when assessing the insurance figure. The dissertation aims to prove that similar problematics could be successfully solved by applying the Fuzzy logic technic.
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Business plan - Help one, s. r. o.
Oberreiterová, Dana ; Hlaváč, Jakub (referee) ; Koleňák, Jiří (advisor)
The aim of this work is to invent a business plan for beginning company HELP ONE, s. r. o., which offers complete services to the people who have been damaged by a car crash. On the other hand, this work also shows all possible problems that can appear from the middle position between insurance company and ordinary people and eventually to find a suitable investor.
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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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Analysis of offers of third party car insurance on the Czech market
Vážný, David ; Radová, Jarmila (advisor) ; Vohralík, Michal (referee)
Main goal of this bachelor thesis is analysis and comparison of each product of third party car insurance on the Czech market. At first the third party car insurance is characterized, Czech Insurers' Bureau is introduced and defined its purpose. The parameters which influence the amount of premium are stated in the second chapter. Third chapter is crucial, it is dedicated to comparison of offers of each insurance company and to possible trend of arranging insurance online. In the final chapter there are model examples which compare the variation of premium according to change of input parameters.
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Americký pojistný trh a rostoucí vliv spolujízd na pojištění automobilů.
Feshchenko, Anna ; Ducháčková, Eva (advisor) ; Vohralík, Michal (referee)
This bachelor thesis discusses the United States Insurance Industry, concentrates on automobile insurance, and shows the impact of ridesharing on it, in form of transportation network companies(TNC). The theoretical part of this paper clarifies the characteristics, structure, and purpose of American insurance regulation, and also describes components of private passenger automobile insurance. As a case study for this paper, an analysis of Uber services is provided, and a breakdown of its commercial insurance is given to look for and discuss gray areas of the coverage and evaluate why they occur. This paper also gives a comparison of California state regulations for transportation network companies with Uber's commercial policy in order to find who is responsible for deficiencies in coverage during the rideshare and what is comprehensive in terms of coverage for rideshare drivers.
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