Stavovi potrošača oko imovinskih osiguranja u Republici Hrvatskoj

master's thesis

• Title (english): Consumer attitudes towards property insurance in the Republic of Croatia
• Author: Doris Domjanić
• Mentor: Jakša Krišto (mentor)
• Committee member: Jakša Krišto (predsjednik povjerenstva)
• Committee member: Ana Ivanišević Hernaus (član povjerenstva)
• Committee member: Branka Tuškan Sjauš (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2021-07-05, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Imovinska osiguranja pružaju naknade i pokrivaju oštećenja na materijalnoj imovini koja
nastaju uslijed pojave opasnosti. Te opasnosti najčešće su prirodne katastrofe koje nastaju
djelovanjem prirodnih sila i svojom razornom snagom uništavaju imovinu i okoliš. Često su
nepredvidljive, a ostavljaju velike ekonomske, društvene i financijske posljedice. Iako je
njihova pojava bila prisutna kroz čitavu povijest, u posljednje vrijeme rizici prirodnih katastrofa
počinju se pojavljivati sve češće i intenzivnije, što zbog utjecaja klimatskih promjena pa tako i
sve veće globalizacije i djelovanja raznih inovacija na okoliš. Raširenost takvih događaja
prevladava globalno, a njihove posljedice zahtijevaju i višu adekvatnu zaštitu od strane
imovinskih osiguranja. Imovinska osiguranja umanjuju negativne učinke raznih vrsta opasnosti
i pružaju brzu naknadu šteta. Međutim, veliki rizici predstavljaju i veliki izazov društvima za
osiguranja zbog njihovog ograničenog kapaciteta za pokrivanje šteta, a upravljanje rizicima
katastrofe postalo je sastavni dio poslovanja i osiguratelja i reosiguratelja, koji omogućavaju
dodatno povećanje kapaciteta osiguratelja. Od prirodnih katastrofa posebnu pažnju sve više
privlače potresi, koji predstavljaju jednu od najopasnijih vrsta, a i dalje su jedna od najmanje
zaštićenih opasnosti. Iako se Republika Hrvatska nedavno susrela sa potresima pa i drugim
prirodnim katastrofama kroz povijest, zastupljenost imovinskih osiguranja još uvijek nije velika
zbog nedovoljno velike potrebe i relativno male izloženosti tog područja prirodnim
opasnostima.

Abstract (english)

Property insurances provide compensation and cover damage to material assets caused by
the occurence of dangers. These dangers are most often natural disasters caused by the action
of natural forces, which by its destructive power destroying property and the environment.
They are often unpredictable and leave major economic, social and financial consequences.
Although their occurrence has been present throughout history, recently the risks of natural
disasters are beginning to appear more often and more intensively, due to the impact of
climate changes, increasing globalization and the impact of various innovations on the
environment. The prevalence of such events prevails globally and their consequences require
higher adequate protection by property insurances. Property insurances reduce the negative
effects of various types of hazards and provide quick damage compensation. However, high
risks also pose a major challenge to insurance companies due to their limited capacity to cover
damages, so disaster risk management has become an integral part of both insurers and
reinsurers, allowing for further increase in insurer capacity. Of the natural disasters, the
greatest attention is increasingly drawn to earthquakes, which are one of the most dangerous
hazards and are still one of the least protected ones. Although the Republic of Croatia has
recently encountered earthquakes and other natural disasters throughout history, the share
of property insurances is still not high due to insufficient needs and relatively low exposure of
the area to natural hazards.

• Keywords: imovinska osiguranja; imovinska reosiguranja; prirodne katastrofe; potresi
• Keywords (english): property insurance; property reinsurance; natural disasters; earthquakes
• Language: croatian
• URN:NBN: urn:nbn:hr:148:936964
• 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: Access restricted to students and staff of home institution
• Created on: 2021-07-06 21:06:34