koncentracija in dejavniki sklepanj zavarovanj
Žiga Legnar (Author), Silvo Dajčman (Mentor)

Abstract

Slovenski zavarovalni trg je relativno dobro razvit, še posebej na področju premoženjskih zavarovanj, kamor spada tudi avtomobilsko zavarovanje oziroma avtomobilsko kasko zavarovanje, ki ga v nalogi podrobneje analiziramo. V času po svetovni finančni krizi so vplive občutile tudi zavarovalnice. V Sloveniji se je zavarovalni sektor najbolj soočil s krizo v letu 2009. Glede na to, da gre v primeru zavarovanja pravzaprav za dobrino, ki se je potrošnik v času varčevanja in finančne stiske v povprečju hitreje odreče je zavarovalniški trg bil še posebej izpostavljen negativnim trendom. V magistrski nalogi smo ugotavljali vpliv krize na zavarovalniški trg predvsem na področju kasko zavarovanj ter stanje trga v preučevanem obdobju, ki zajema leta od 2006 do 2017. Naloga je razdeljena na dva dela, v teoretičnem smo predstavili koncept zavarovanja in dejavnike na zavarovalniškem trgu, ki so povezani s sklepanjem zavarovanj. V empiričnem delu pa smo izvedli raziskavo, ki je temeljila na več različnih analizah. Preučevali smo slovenski zavarovalni trg v obdobju 2006-2017, njegovo strukturo ter podrobnejše stanje na trgu avtomobilskih kasko zavarovanj. Ovrednotenje vpliva krize, predvsem po letu 2009 in vse do danes, smo predstavili s pomočjo statističnih podatkov. V nadaljevanju smo analizirali tudi tržno koncentracijo zavarovalnic na področju avtomobilskega kasko zavarovanja. V zadnjem delu pa smo izvedli analizo rezultatov, pridobljenih s pomočjo anketnega vprašalnika, ki je bil namenjen respondentom s kasko zavarovanjem. Raziskava je pokazala, da so bili v preučevanem obdobju zaznani negativni trendi v rasti zavarovalne premije, kot tudi v deležu avtomobilskih kasko zavarovanj. Stanje se je pričelo popravljati v letu 2015. V zadnjih dveh letih pa je že razvidno, da zavarovalniški trg okreva, saj je že zaznana rast. Tudi na področju avtomobilskih kasko zavarovanj se kljub upadu, delež viša, kar nakazuje, da kasko zavarovanje ponovno pridobiva na pomenu. Tržna koncentracija je pokazala visoko koncentracijo trga oziroma zelo koncentriran trg. Rezultati anketnega vprašalnika pa so pokazali, da so respondentom kriteriji, na podlagi katerih se odločajo za kasko zavarovanje pomembni in, da kljub temu, da ne gre za obvezno zavarovanje, zanje predstavlja predvsem varnost, kar je tudi bistven pomen tega zavarovanja. Z raziskavo smo ponudili vpogled v stanje na trgu avtomobilskega kasko zavarovanja v Sloveniji za preučevano obdobje ter obenem predstavili podlago za predvidevanje prihodnjega stanja na tem področju.

Keywords

avtomobilsko zavarovanje;kasko zavarovanje;zavarovalna premija;škoda;

Data

Language: Slovenian
Year of publishing:
Typology: 2.09 - Master's Thesis
Organization: UM EPF - Faculty of Economics and Business
Publisher: [Ž. Legnar]
UDC: 368.212(043.2)
COBISS: 13417500 Link will open in a new window
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Downloads: 83
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Other data

Secondary language: English
Secondary title: Automobile comprehensive insurance in Slovenia
Secondary abstract: The Slovenian insurance market is relatively well developed, especially in the field of non-life insurance, which includes car insurance and comprehensive car insurance, which is analyzed in detail in this master thesis. In the period after the global financial crisis, insurance companies also felt the effects. In Slovenia, the insurance sector was most confronted with the crisis in 2009. Considering that the insurance, in fact, is a good that the consumer giving up on faster if there is financial crises, the insurance market was particularly exposed to negative trends. In the master's thesis, we determined the impact of the crisis on the insurance market, especially in the field of comprehensive car insurance, and the market situation in the period under consideration, covering the years 2006 to 2017. The thesis is divided into two parts; theoretically we presented the concept of insurance and factors in the insurance market, which are related to the conclusion of insurance. In the empirical part, we carried out a study based on several different analyzes. We studied the Slovenian insurance market in the period 2006-2017, its structure and detailed situation on the market of comprehensive car insurance. The evaluation of the impact of the crisis, especially after 2009 and up to now, was presented with the help of statistical data. In the following, we also analyzed the market concentration of insurance companies in the field of comprehensive car insurance. At last, we analyzed the results obtained with the help of a questionnaire, which was intended for respondents with comprehensive car insurance. The survey showed the negative trends in the growth of insurance premiums as well as in the proportion of comprehensive car insurance was detected during the analyzed period. The situation started to be better in 2015. In the last two years, it is already evident that the insurance market is recovering, also at the comprehensive car insurance market, in spite of negative trend, which suggest that insurance is again becoming important. Market concentration has shown a high concentration of the market and also very concentrated market. The results of the survey questionnaire showed that the criteria of comprehensive car insurance are important and that despite the fact that this is not a compulsory insurance, it is primarily for safety, which is also the important at this insurance. The survey gave us an insight into the situation in the comprehensive car insurance market in Slovenia for the studied period, and at the same time presented the basis for anticipating the future situation in this field.
Secondary keywords: car insurance;comprehensive car insurance;damage;market concentration;insurance premium;
Type (COBISS): Master's thesis/paper
Thesis comment: Univ. v Mariboru, Ekonomsko-poslovna fak.
Pages: III, 68 str., 10 str. pril.
ID: 11113962