Percepcija potrošača o cijeni osiguranja od požara

master's thesis

• Title (english): Customer perception on fire insurance price
• Author: Ivan Paštrović
• Mentor: Jakša Krišto (mentor); MBZ: 286511
• Committee member: Martina Solenički (predsjednik povjerenstva)
• Committee member: Maja Mihelja Žaja (član povjerenstva)
• Committee member: Jakša Krišto (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2021-09-28, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

U današnjem okruženju riziku je izloženo sve pa tako i imovina. Kako bi se kao pojedinci mogli ekonomski zaštititi te osigurati stabilnost i sigurnost nužno je upravljati rizicima. Jedan od načina upravljanja rizikom je prijenos rizika na društvo za osiguranje sklapanjem ugovora o osiguranju i plaćanjem premije. Na taj način pojedinac svoje nepredvidive izdatke za štete nastale u budućem razdoblju pretvara u fiksne iznose godišnjih premija čime smanjuje neizvjesnost. Uzevši u obzir da društva za osiguranje svoje novčane viškove investiraju na financijskim tržištima, osiguravanje privatne imovine ima svoje pozitivne učinke i na produbljivanje financijskog sektora. Zasnovana na načelima uzajamnosti i solidarnosti, društva za osiguranje namiruju nastalu štetu unutar rizične zajednice, ali i investiraju u prevenciju štetnih događaja. Požarna osiguranja, kako se u praksi nazivaju osiguranja od požara i elementarnih šteta, nisu zakonom propisana zbog čega su izrazito nezastupljena. Niska svijest potrošača o potrebi osiguranja govori u prilog niskoj financijskoj pismenosti u Republici Hrvatskoj. Zastupljenost bruto premije u BDP-u od tek 2,48% u odnosu na 8,2% u EU (2017.) svjedoči kako je stanje u RH lošije no u zemljama okruženja. Provedenim istraživanjem metodom intervjua fokus grupe može se zaključiti kako su potrošači, a posebice mladi, neinformirani o ponudi proizvoda osiguranja imovine kao i o cijeni istih. Gotovo svi požarno osiguranje smatraju preskupim, ali i nepouzdanim. Potrošači u Republici Hrvatskoj su generalno skloni riziku, ali ne smatraju da je osiguranje nepotrebno. Rezultati pokazuju kako bi se na nacionalnoj razini trebalo pokrenuti osvješćivanje potrošača o takvim proizvodima čime bi se smanjila izloženost pojedinaca i povećala ekonomska sigurnost kao i povjerenje u društva za osiguranje.

Abstract (english)

Nowadays, in busy business world, a risk is all around us. To preserve their economic welfare and stability, customers need to use some of risk management methods. Insurance is one of them. By paying insurance premium customer transfers his risk to the insurance company making his expenses fixed for next period and reducing the suspense. Insurance companies invest money surplus in financial market, making markets deeper. Their purpose is not only to compensate those who suffered from insured event, based on rules of reciprocity and solidarity, but also invest in preventive actions so insured event don’t ever occur. Insurance against fire and natural disasters, often named just fire insurance, is not mandatory so it’s expected that majority of assets damaged wasn’t covered. Absence on customer awareness on need of fire insurance tells that customers aren’t aware of their exposure to the risk, telling about their financial literacy. Gross written premium makes just 2,48% of Croatian GDP, compared to 8,2% in EU countries (2017). The research conducted using a focus group method shows that the customers, mainly young people, aren’t informed about fire insurance products and pricing at all. Fire insurance is considered expensive and unreliable. The customers in Croatia have big risk appetite, but also think that insurance is a good way of managing the risks. The results show that insurance awareness program is needed on national scale, making them less exposed to the risk of fire, also improving the economic stability and trust in insurance companies.

• Keywords: osiguranje imovine; požarno osiguranje; premija; rizik; potrošač
• Keywords (english): property insurance; fire insurance; premium; risk; customer
• Language: croatian
• URN:NBN: urn:nbn:hr:148:080361
• Study programme: Title: Economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to students and staff of home institution
• Created on: 2021-10-04 10:25:06