PERCEPCIJA OSIGURATELJA I POTROŠAČA O OSIGURANJU OD POTRESA

master's thesis

• Title (english): PERCEPTION OF INSURERS AND CONSUMERS ON EARTHQUAKE INSURANCE
• Author: Magdalena Stanić
• Mentor: Jakša Krišto (mentor)
• Committee member: Ana Ivanišević Hernaus (predsjednik povjerenstva)
• Committee member: Dajana Barbić (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2021-09-14, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Široki spektar vrsta osiguranja, koje oslikavaju količinu opasnosti kojima smo izloženi kao i potrebu za transferiranjem tih rizika na druge, dokaz su neophodnosti i važnosti postojanja instituta osiguranja. Značajan dio osiguranja čine imovinska osiguranja, koja štite imovinu ugovaratelja od brojnih opasnosti. Potres predstavlja jednu od najdestruktivnijih opasnosti kojoj može biti izložena imovina, stoga je ta vrsta osiguranja izrazito važna, ali i kompleksna. Shodno tome postoje različiti javni i privatni sustavi osiguranja od potresa koje možemo pronaći u svijetu. Njegova zastupljenost će ovisiti o izloženosti pojedinog područja riziku potresa kao i vrsti sustava osiguranja u određenoj zemlji. U većini zemalja svijeta, pa tako i u Republici Hrvatskoj postoji problem niske zastupljenosti imovinskog osiguranja, kao i osiguranja od potresa. Značaj osiguranja od potresa u Republici Hrvatskoj porastao je s potresima koji su pogodili područje Zagreba i okolice te Petrinje i okolice u 2020. godini. Posljedice ovih potresa utjecale su na rast svih parametara osiguranja od potresa kao i svijesti građana o riziku potresa. Zbog važnosti i aktualnosti ove tematike, u radu su prikazane su glavne karakteristike osiguranja od potresa, usporedba različitih sustava osiguranja od potresa te njegova zastupljenost. Provedeno je kvalitativno istraživanje percepcije osiguratelja i potrošača o osiguranju od potresa u Republici Hrvatskoj metodom intervjua, koje je potvrdilo postavljenu tezu o niskoj razini svijesti građana o riziku potresa, kao i postojanja velikog prostora za rast zastupljenosti ove vrste osiguranja.

Abstract (english)

The wide range of types of insurance, which reflect the number of dangers to which we are exposed as well as the need to transfer these risks to others, is proof of the necessity and importance of the existence of insurance institutes. A significant part of insurance consists of property insurance, which protects the contractor's property from numerous dangers. An earthquake is one of the most destructive dangers to which property can be exposed, so this type of insurance is extremely important, but also complex. Consequently, there are various public and private earthquake insurance systems that we can find in the world. Its representation will depend on the exposure of a particular area to earthquake risk as well as the type of insurance system in a particular country. In most countries of the world, including the Republic of Croatia, there is a problem of low representation of property insurance, as well as earthquake insurance. The importance of earthquake insurance in the Republic of Croatia increased with the earthquakes that hit the area of Zagreb and its surroundings and Petrinja and its surroundings in 2020. The consequences of these earthquakes affected the growth of all parameters of earthquake insurance as well as the awareness of citizens about the risk of earthquakes. Due to the importance and topicality of this topic, the paper presents the main characteristics of earthquake insurance, a comparison of different earthquake insurance systems, and its representation. A qualitative survey of insurers and consumers' perceptions of earthquake insurance in the Republic of Croatia was conducted using the interview method, which confirmed the thesis about the low level of awareness of citizens about earthquake risk, as well as the existence of great room for growth in this type of insurance.

• Keywords: osiguranje od potresa; potres u Zagrebu; potres u Petrinji
• Keywords (english): earthquake insurance; earthquake in Zagreb; earthquake in Petrinja
• Language: croatian
• URN:NBN: urn:nbn:hr:148:551968
• Study programme: Title: Business 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: Open access
• Created on: 2021-09-21 15:03:31