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Legal Aspects of the Creation of the Insurance Product
Kult, Alexander ; Vybíral, Roman (advisor) ; Karfíková, Marie (referee) ; Dřevínek, Karel (referee)
4 Legal Aspects of the Creation of the Insurance Product Abstract This dissertation deals with the legal aspects of creation of insurance products, including the rules of their distribution and fulfilment of information duties. The author's aim was to interconnect the public and private law regulation of insurance and its distribution, with a focus on the creation of valid contractual documentation and the proper fulfilment of information duties, for the purpose of a practical understanding. Specific attention is focused on the area of personal insurance, both in the scope of life and non-life insurance sectors. Special emphasis is placed on the explanation of insurance-based investment products, whose nature and fragmented regulation pose the most significant practical and theoretical problems. Apart from the theoretical introduction, the thesis is divided into six parts. The first part is devoted to the essence of individual insurance products and their specifics. The second part deals with the theoretical definitions in the field of insurance law. In the third part, the author analyses the rules of creation of insurance products not only regarding the POG regulation, but also in the light of the Insurance Act and the Solvency II Directive. The fourth part discusses the rules of insurance distribution,...
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Online provision of insurance services
Kult, Alexander ; Vybíral, Roman (advisor) ; Karfíková, Marie (referee)
Online provision of insurance services Abstract This rigorosum thesis on providing online insurance services is aimed at providing a comprehensive analysis of legal regulation applicable to the online sales of non-life insurance in the field of EU law, with a focus on consumers. The aim of this thesis is to find a solution how to offer and sell insurance in accordance with all applicable legal regulations together with proper scope of information provided to the customer. The thesis is based on assessment of interconnection of three factors - insurance as a regulated financial service, internet as a cross-border medium and protection of a weaker party of the contractual relationship. The answers are sought mainly in interpretation of several EU legislation - in particular regulations No. 593/2008/EC (Rome I), No. 1215/2012/EU of the European Parliament and of the Council (Brussels I bis) and Directives 2009/138/EC (Solvency II), 2016/97/EU (IDD), 2000/31/EC (ECD) and 2002/65/EC (on the marketing of consumer financial services at a distance). The methodology of this thesis consists in the critical analysis of relevant legal regulations and comparison of their requirements with each other in order to find functional conclusions for practice - it is also supplemented by empirical elements. The first part...
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