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Issues of Sum Insured and Premium Determination in Property Insurance
Pískatá, Petra ; Šenigl, Jaroslav (referee) ; Hanák, Tomáš (advisor)
The aim of this bachelor’s thesis is to describe the issue of sum insured determination and insurance fee assessment. In the first part the insurance appraisal using metodics of insurance business are compared to real estate value assessed in accordance with law and finally to structural budget price. The second part deals with actuarial mathematics, on which the insurance rate calculation is based. Furthermore, factors having an effect on final insurance pricing are commented on. Both of these parts come with a conclusion and recommendations for all who are interested in entering into a contract. Some sound principles to follow when concluding an insurance contract of this type are also mentioned.
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Cost Considering for House Security Against Robbery and Fire
Nováková, Jolana ; Witala,, Lukáš (referee) ; Kocourková, Gabriela (advisor)
This thesis deals with cost analysis for protecting home against theft and fire, while once the solution is a building object without security, and once with security. Firstly, three insurance companies were chosen, and home insurances were negotiated in both alternatives of security. Lastly, antifire and security components with their annual audits were chosen and evaluated. The result of this thesis is a comparison of costs for the secured building object, and measurement of influence of the insurance amount.
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Analysis of household and property insurance on the Czech market
Papp, Ondrej ; Gruber, Petr (advisor) ; Hanzlík, Karel (referee)
Bachelor thesis deals with the analysis of household and property insurance on the Czech insurance market. The aim is to create a list of insurance companies providing this type of insurance and compare them. The first unit focuses on the theory, especially on general characteristics of household insurance, property insurance and liability insurance. The second unit focuses on insurance companies and their insurance products. The third unit contains information about the Czech insurance market and comparison of insurance products, using model examples. In conclusion there is evaluation of the information based on the created analysis.
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Current issues in household insurance
Stárková, Veronika ; Ducháčková, Eva (advisor) ; Bártová, Hana (referee)
The bachelor thesis focuses on the household insurance issues. The theoretical section clarifies a basic characteristic of property insurance with great emphasis on household insurance. Firstly, the practical section deals with matters of taking out insurance and factors which influence an insurance premium. Further, the emphasis is on up-to date issues in the household insurance market. The point at issue is underinsurance as well as a right level of insurance amount and insurance fraud. The thesis also clarifies processing insurance claims and the attitude of the insurance companies toward underinsured property. In conclusion, there is a questionnaire used to assess the main issues and to outline people's attitude toward protection their property.
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The importance and use of flood maps in the Czech insurance
Valentová, Kateřina ; Daňhel, Jaroslav (advisor) ; Hanzlík, Karel (referee)
This master thesis deals with the flood maps and their use in the Czech insurance. The aim is to determine how these maps were created, in which insurance industry they are used, how they are accessing domestic insurers and whether their use is sufficiently effective. The first part deals with the theory of property insurance and the creation of flood maps. The second part deals with the use of flood maps in the current insurance practice. In the third part are outlined possible solutions to the current problematic situation in this area. At the end is a summary of the whole work and individual recommendations.
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The use of flood maps in the context of property insurance
Matoušková, Lenka ; Ducháčková, Eva (advisor) ; Daňhel, Jaroslav (referee)
This thesis deals with flood maps and their use in the context of property insurance. There are flood maps presented in comparison with similar projects of the European Union, the flood hazard maps and flood risk maps. There is also assessed the impact of flood maps on Flood Prevention Strategy in the Czech Republic. This thesis analyzes the offers insurance companies in the property insurance according to 4 risk flood zones. Finally, it evaluates the importance of flood maps not only from the perspective of insurance companies, but also from the perspective of others (people, companies etc.).
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Special types of insurance companies as a competitive advantage to businesses and industry
KOČEROVÁ, Andrea
This thesis has to select a type of insurance which will cause a competitive advantage to selected business. Selected type of insurance will cover losses caused by the damage suffered. Based on descriptions of selected companies - TSE spol. s r.o. and Mektec CZ s.r.o, has chosen business interruption insurance related to property insurance. For each company has created more tenders of insurance according to their requirements by companies Allianz, as and ČSOB, Inc. Both insured companies came out Allianz´s offer better due to lower cost. The TSE spol. s r.o. has accepted the recommended insurance offer unlike the Mektec CZ s.r.o. Thereby TSE spol. s.r.o has gained a competitive advantage.. Both insurated companies shares the same space, so there is a high probability that any disaster could hit both companies.
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Fire insurance
Procházková, Dana ; Ducháčková, Eva (advisor) ; Řehák, Martin (referee)
This bachelor thesis deals with fire insurance. In the beginning, it attempts to map the most significant moments in the history and development of fire insurance since founding of the first mutual insurance company in Prague in 19th century, until the recent time. Second chapter in dedicated to the main subject and construction of the insurance, defining risks such as fire, explosion, lightning stroke and fall of a plane. It also defines inception, period of insurance, term of insurance, expiry of insurance, indemnity, place of the operation of insurance, interception of insurance etc. Main goal of the last part is the market analysis of general insurance products of five most significant insurance companies on the Czech market today -- Česká pojišťovna, Kooperativa, Allianz, Generali Pojišťovna and Česká podnikatelská pojišťovna.
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