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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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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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Analysis and cooperation of the property and liabality insurance of individuals with selected insurance companies on the Czech market
DVOŘÁKOVÁ, Aneta
The bachelor's thesis deals with property and liability insurance for individuals. The theoretical part of the thesis describes terms such as insurance, insured event and insurance industry. Then it focuses specifically on the property and the liability insurance. The practical part includes a survey of the insurance offers of five selected insurance companies. Then, it contains an analysis of the answers from a questionnaire survey to find out how people perceive these two insurances. The practical part also includes the search for the most appropriate insurance offers for 3 fictitious applicants.
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Property insurance of residents of Ukraine in comparison to the Czech republic
Babyčová, Olga ; Ducháčková, Eva (advisor) ; Daňhel, Jaroslav (referee)
The aim of the thesis is to analyse property insurance in the Ukrainian insurance market and to compare it with the property products offered by the insurer in the territory of the Czech republic. The thesis is divided into four basic parts. Firstly, it characterizes the economic and political situation in Ukraine, and then the insurance market and, above all, property insurance products. In the second part, the thesis deals with the analysis of two selected insurers operating in the Ukrainian market and the products offered by them. In the end, the thesis deals with the comparison of economic indicators, the insurance market and the property insurance market in the Czech Republic and Ukraine. The main purpose of the work is the provision of comprehensive information about the insurance market in Ukraine with an emphasis on property insurance.
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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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Insurance Policy and the Legal Expenses Insurance
Beran, Tomáš ; Švestka, Jiří (advisor) ; Dvořák, Jan (referee) ; Vychopeň, Martin (referee)
1.Summary - review in English The above-mentioned work comprises of two basic issues that are connected together, namely commentary on Insurance Policy Act as general introduction into the field of insurance policies and consequent and special issue of legal expenses insurance interpretation. The basic meaning of it was to introduce not only the provisons concerning insurance policies, but also to show one of the insurance policies type in details, what could be hardly possible or satisfactory without preceding description of the Insurance Policy Act. Thus, complete summary of this work will be divided into two parts; first would be the part concerning Insurance Policy Act and second would be the part concerning legal expenses insurance. 1.1.Insurance Policy Act - Summary The first part of this work concerned, as mentioned above, the Insurance Policy Act, whereas my primary aim was to interpret provisions of this act that were worth it and point out namely on imperfections of the existing legislature. It wasn't and wouldn't be of any significant value just to copy and paste individual provisions of the act, therefore, this work aimed primarily on introduction of new ideas and as a basis for that served a confrontation with the actual wording and its interpretation, whereas plain consent with what was...
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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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