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Innovation of Selected Insurance Products and their Alternatives
Kolouchová, Jana ; Kupčík,, Petr (referee) ; Ptáček, Roman (advisor)
The diploma thesis deals with innovations selected insurance products and their alternatives. The theoretical part describes the insurance market and development of insurance in the Czech Republic, defines important terms as a coincidence, insured event, insurance products, risk and legal norms in the insurance. In the practical part is an analysis of the selected insurance company and its competitors. On the basis of obtained information are selected insurance products compared. In the proposal part are recommended changes for existing insurance products of the selected insurance company in terms of their content and coverage of risk in the unexpected event. The partial aim is the proposal an alternative insurance product for selected insurance company, which could arise in the future in its range of insurance products.
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Detection of Insurance Fraud
Minár, Tomáš ; Šrajer, Petr (referee) ; Kříž, Jiří (advisor)
This thesis focuses on the area of detection of potential insurance frauds by using Business Intelligence (BI) and its practical application to real data of compulsory and accident insurance. It describes the basic concepts of insurance business, the individual layers of BI architecture, and a detailed description of the implementation process from data transformation through the use of advanced analytical methods to the presentation of acquired information.
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Impact Damage to Vehicles at Low Speed
Holyszewská, Anna ; Kaluža, Zdeněk (referee) ; Tokař, Stanislav (advisor)
The thesis deals with documentation of the most common types of damage of vehicles at low speed, so-called ‘parking manoeuvers’. An analysis of characteristic damage was based on tests published so far, the author’s own tests and an analysis of real insured events. The results of the author’s own tests are compared to the procedures of the insurance company in the cases of potential insurance claims. The output of this thesis is a comprehensive presentation of the results of the impact tests carried out by the author which serve for the use in the assessment of insured events.
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Analysis of the process of liquidation of damage events of buildings
Osmanová, Sára ; Vaňková, Lucie (referee) ; Krejza, Zdeněk (advisor)
This thesis is focused mainly on the liquidation process of damage events related to the buildings. The analysis of the whole process and recommendations for limiting of individual risk is involved. Within the insurance discurs, asset insurance is characterized by a new price and the time prize. This difference is described in the practical part of the thesis, where the partial damages caused by the storm on the family house and the overall damage to the cottage after a major fire accident. At the end of the case study, an assessment of the most serious insurance risks is described.
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Assessment of Damage Caused by a Tree Falling on a Recreational House
Vavřincová, Jana ; Podlešák, Stanislav (referee) ; Čech, Josef (advisor)
The aim of this thesis is to determine height of insurance payment caused by treefall in municipality of Zduchovice. Theoretical part consists of explanation of elementary terms used in properties and insurance industry, and of price estimation of the building – recreational cottage. Practical part consists of price estimation of the building when the insurance contract was concluded, price before the insured event occurred and total cost of repairing of damaged constructions by means of cost method. Moreover, the cost is evaluated by means of itemized budget. At the conclusion, an analysis is provided based on results found, the favourableness of the current insurance policy is assessed and the evaluation of the costs is provided based on cost method and itemized budget.
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Assessment of Claims
Holomčíková, Hana ; Hlavinková, Vítězslava (referee) ; Čech, Josef (advisor)
The goal of this diploma thesis is to determine the insurance payment that should be paid to the insured person in case of fire of a detached house in Louka. The theoretical part defines basic terms related to valuation of real estates and insurance industry. The following practical part focuses on the valuation of the immovable property in Loučka using the cost approach in three different periods of time. Subsequently the expenses for repairs are determined by using the method of itemized budget, using BUILDPower S. Lastly the determined insurance payment is compared to the insurance contract.
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Valuation of total damage to a house caused by fire
Hornychová, Michaela ; Nykodýmová, Veronika (referee) ; Šmahel, Milan (advisor)
The aim of the Thesis is to determine the amount of indemnity for the total damage caused of the wooden detached house caused by fire, find out the costs of bringing the property to its original state and evaluate the price of the original and after an insured event the newly established building. The theoretical part is devoted to the basic concepts and methods in the field of real estate valuation and insurance and the liquidation of insurance events. On the introduction and theoretical part is followed by a practical part in which I apply the theoretical information on the real, by fire stricken the wooden family house, I approach the location and describe the building technical condition before and after the occurrence of the insured event. I find a new price of the real estate at the time of approval, the current price before and after the occurrence of the insured event and the new price of an identical family house without the structures which have been preserved and have not been damaged by the fire or fire-fighters. At the conclusion of the Thesis is the insured value of the building after repair of damage compared with the insured value just before the occurrence of the insured event.
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