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Valuation of the damage by flood to a single-family house in Velké Poříčí
Berger, Patrik ; Tuscher, Martin (referee) ; Šmahel, Milan (advisor)
This thesis deals with the issues of determining the amount of insurance coverage of a house destroyed by flood. The aim of this paper is to explain the terms related to evaluation and insurance. Then to value immovable property by costs, document the damages and determine the costs for rebuilding the damaged parts in accordance with the insurance policy. It is necessary to determine the insurance value of the house. At the end of this thesis the history of floods in the particular area and flood control methods are discussed.
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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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Determination of the Amount of Insurance Settlements for the Damage Caused by Snow Loads on a Detached House in Hronov
Beránková, Martina ; Puchýř, Bohumil (referee) ; Šmahel, Milan (advisor)
The aim of my thesis is to outline the field of the insurance-claims settlement, to determine the amount of indemnity for the damage caused by the weight of snow, and also to clarify basic concepts of real estate appraisal. In the introduction I define basic concepts associated with that topic. Then I bring the reader into the field of real estate appraisal and I define basic concepts and appraisal methods and description. In the next part of my thesis I mention the principles of the insurance company´s claim settlement activity, the products related to property insurance, the person involved in the settlement, and last but not least I outline the claim settlement process itself. However, the point is not just to provide a plain list of all steps involved in the process but to give the reader a better idea how to proceed and what the basic concepts of the field are. In the final practical part I will focus precisely on the determination of the compensation for the damage casused by the weight of snow based on reasonable costs and for bringing the insured property to its original (operational) state.
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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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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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Valuation of the damage by flood to a single-family house in Velké Poříčí
Berger, Patrik ; Tuscher, Martin (referee) ; Šmahel, Milan (advisor)
This thesis deals with the issues of determining the amount of insurance coverage of a house destroyed by flood. The aim of this paper is to explain the terms related to evaluation and insurance. Then to value immovable property by costs, document the damages and determine the costs for rebuilding the damaged parts in accordance with the insurance policy. It is necessary to determine the insurance value of the house. At the end of this thesis the history of floods in the particular area and flood control methods are discussed.
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