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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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Valuation of damage caused by torrential rain to a house in the village of Nesovice
Kraus, Jan ; Vřešťál, Jiří (referee) ; Šmahel, Milan (advisor)
The thesis focuses on the valuation of damage caused by torrential rain to the family house in the village Nesovice. In the first part the basic terms and assessing methods are defined. In the second part, there are applied methods of appraisal of damage on the family house. There is the value of the property calculated before the insurance event. In the itemized budget, there are quantified the cost of repairs of damaged constructions and then detected current value after repairs. The aim of the thesis is to dedicate readers to the problem of assessment.
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Valuation of the damage by fallen tree to a recreation cottage in Roudná u Nových Hradů
Šoula, Michal ; Tuscher, Martin (referee) ; Šmahel, Milan (advisor)
The aim of this thesis is to determine the amount of indemnity for total damage caused by a falling tree during the gale on a cottage in Roudné near Nové Hrady. The theoretical part deals with basic insurance terminology and basic terminology and methods used in property evaluation. The practical part describes the original condition of the property and its evaluation before the insured event using a cost method and complying with the evaluation regulation. Furthermore, this thesis deals with determination of the costs through the itemized budget for bringing the property to its original state. The conclusion deals with the impact of reconstruction on the extent of indemnity.
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Determination of the Amount of Insurance Settlements for the Damage Caused by Landslide on a Detached House in Zlín
Hořelka, Michal ; Smilek, Petr (referee) ; Kosová, Jaroslava (advisor)
This master’s thesis deals with the theme of the liquidation of the insurance claim on the particular family house, there is determined the amount of insurance benefits for the damage caused by landslides. In the first-theoretical part are explained the basic concepts related to the three main themes - valuation of real estates, bill of quantity method and insurance of real estates. The practical part is focused on the liquidation of a particular insurance event on a family house in Zlin. In the introductionof the practical part, the object is localized and the insurance event is described in detail, for comparing were dispatched valuation at different times. In conclusion of the part, there were the results compared and evaluated.
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Determining the Amount of Indemnity for Damage Caused by a Natural Event in a House in Břeclav
Nešpor, Marek ; Komosná, Milada (referee) ; Kosová, Jaroslava (advisor)
The diploma thesis deals with the issue of determining the amount of indemnity for damage caused by a natural disaster. The introductory part is devoted to approaching the concepts related to valuation and insurance. The next part is devoted to familiarization with the object. Following is the valuation of the property by using the cost method at different times. For the valuation, the extent of the loss event is accurately defined, the cost of the repair and the insurance benefit resulting from the insurance contract are documented. The conclusion of the thesis is devoted to evaluation of achieved results and their graphical representation.
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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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Determination of the amount of indemnity for damage to the family house in Ivančice caused by fire
Chrástová, Šárka ; Pavlík, Jiří (referee) ; Šmahel, Milan (advisor)
The aim of the Thesis is to establish the height of the insurance claim for the damage caused by the fire of the family house in Ivančice. The Thesis is divided into two separate sections, the theoretical one and the practical one. The theoretical part deals with the Czech insurance market issues such as property evaluation and evaluation of construction works. In the practical part there are established two different insurance value of the property. First one relates to the condition of the property shortly after completion and the second one should reflect the state of the property shortly before the damage caused by the fire. This part of the Thesis is followed by the description of the insurance claim with the list of damage caused by the fire supplemented with calculation of cost of the adequate reconstruction. The final part of the document contains comparation of the insurance value established shortly before the damage and the insurance value of the property evaluatated after the reconstruction.
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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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