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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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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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Non-life insurance - household insurance
KAMIŠOVÁ, Martina
The topic of this diploma thesis is non-life insurance - household insurance. The aim is to analyze the market for household insurance and preferences of clients who effect this type of insurance. The theoretical part describes in detail household insurance - especially as the subject of insurance, the basic classification, types of risks which are covered and uncovered by insurance. The practical part describes in detail economic development of the insurance market for household insurance in the last five years. The main chapter of this part presents the analysis of results of a questionnaire survey using statistical methods. The aim of the analysis is to identify relations between ownership of household insurance and some economic-demographic parameters and to determine factors that influence the choise of clients effecting household insurance and their mutual relations and patterns.
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The analysis of the household insurance products on the Czech insurance market
Davídková, Adéla ; Ducháčková, Eva (advisor)
The goal of the thesis is to examine the current state of the household insurance market in the Czech Republic and to compare the products available on the market. The first part of the thesis aims to generally characterize the product. It starts with the basic terminology, such as the object insured, risk covered, insurance premium and it provides elementary household insurance types recognition. Next, a description is provided of specific products offered by different insurance companies. Their description contains the extent of the risk covered, advantages, assistance services and other specifics of the given products. In the next part, a product analysis is performed based on specifically chosen criteria followed by an example. The current situation of household insurance on the Czech insurance market is also examined. The thesis concludes by summing up the information about the analyzed products.
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Non-life Insurance {--} Contemporary Trends
KAMIŠOVÁ, Martina
Any man and any company can be endangered by risks. People can be mostly at risk of an accident, death, or destroying of his property. On the other hand, companies can be at risk of natural disasters or financial problems. Risks can endanger the existence of people as well as companies and for this reason insurance was created. The topic of this Bachelor work is Non-life Insurance {--} Contemporary Trends. The Bachelor work focuses on household insurance describes in detail its basic characteristics together with a comparison of this insurance product offered by two Czech insurance companies. It outlines advantages and disadvantages from the point view of potential clients. One section of the work is devoted to a comparison of household insurance offered by Allianz in the Czech Republic with the same product offered by the same insurance company in Slovakia.
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The analysis of household insurance of the five highest insurance companies in the Czech Republic
Budilová, Michala ; Gruber, Petr (advisor)
The analysis of household insurance of the five highest insurance companies in the Czech Republic should at first familiarize reader with the theory of this topic. The next step of my thesis is to focus on the five highest insurance companies, which are Česká pojišťovna, Kooperativa, Allianz, ČSOB and Generali and describe the individual products of these companies according to the contemporary offer on the market. The main part and aim of the thesis is the analysis and resulting comparison of the products of the household insurance according to available information. In conclusion, I will evaluate the information based on the created analysis.
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Property insurance focused on building insurance and household insurance
Benešová, Jaroslava ; Bílková, Diana (advisor) ; Hájek, Petr (referee)
The graduation thesis focuses on two products of property insurance, building insurance and household insurance. The theoretical section shortly clarifies a base characterization of these two products. In practical part is a theory of insurance connect through different method of statistical analysis and actuarial calculations in order to detailed analysis of grade pointer, time series, influence factors identification or for purpose of international comparison. Following software were used to attain defined goals: MS Excel 2007, SPSS 13 for Windows, NCSS and Statgraphics Centurion. The mentioned analyses are based on real data which were made available by ČAP.
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property insurance of population
Tomanová, Bohumila ; Ducháčková, Eva (advisor)
The bachelor thesis deals with an analysis of property insurance of population in conditions of the Czech insurance market. It is kind of a general insurance that people may use to protect against inconvenient events. The first part of the thesis reminds historical evolution and analyses the insurance market and organizations which are focused on this topic. There is also an explanation of fundamental terms, the general insurance of population is set into the system, further it specifies particular kinds of insurance that deals with household and building insurance. In the next part, there is a description of insurance progress from a contract to a liquidating operation including disbursement of the insurance. There are also concrete examples. In the final part, there is comparison of some products of three insurance companies -- Česká pojišťovna, Česká podnikatelská pojišťovna and Allianz.
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