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Home insurance on the Czech insurance market
Šebestová, Lucie ; Ducháčková, Eva (advisor) ; Daňhel, Jaroslav (referee)
The bachelor thesis focuses on the home insurance market in the Czech Republic. The objective of this bachelor thesis is to analyze and evaluate the constitution and terms of home insurance and to advise which aspects the client should concentrate on, that is before taking out insurance as well as for the duration of the insurance. The text is extended by specific examples based on the current supply of the stated product. The thesis also focuses on problems, that are connected with this insurance product and that should be avoided by potential insurance applicant or policyholder. A questionnaire survey is also a part of this bachelor thesis and it is focused on problems connected to the insurance, if the insurance premium is or is not a part of consumers' expenses and dependence of the home insurance on age and net monthly income.
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The property insurance in the retail sector
Černá, Andrea ; Ducháčková, Eva (advisor) ; Daňhel, Jaroslav (referee)
The topic of this bachelor thesis is the property insurance in the retail sector with emphasis on the home insurance. Firstly, the thesis discourses on general information about property insurance, its history and its fundamental elements. Then follows break-down to real estate insurance and home insurance and assessment of the current situation on the Czech market for these products. In the final part there is a comparison of products which are offered by three of the largest insurance companies in the Czech Republic. The acquired information is lately used for calculation of premium for a model household. The benefit of this thesis is an overview about home insurance and introduction of necessary information which should be concerned while negotiating these type of insurance.
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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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