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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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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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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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The importance and use of flood maps in the Czech insurance
Valentová, Kateřina ; Daňhel, Jaroslav (advisor) ; Hanzlík, Karel (referee)
This master thesis deals with the flood maps and their use in the Czech insurance. The aim is to determine how these maps were created, in which insurance industry they are used, how they are accessing domestic insurers and whether their use is sufficiently effective. The first part deals with the theory of property insurance and the creation of flood maps. The second part deals with the use of flood maps in the current insurance practice. In the third part are outlined possible solutions to the current problematic situation in this area. At the end is a summary of the whole work and individual recommendations.
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Using Quantitative Methods for Home and Real Estate Insurance
VRÁNOVÁ, Eliška
The goal of the bachelor thesis is to compare the offers of insurance companies and to choose an optimal variant for a client. In the theoretical section the basic terms of insurance, home insurance and insurance of real estate are explained. For a multi-criteria evaluation of alternatives, methods for assessment of weights and the order of alternatives are described. The practical part describes property, 8 insurance offers and listed criterions. With the help of the methods described in the theoretical part the optimal variants of the offers of insurance companies' are calculated.
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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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