Zaštita potrošača na primjeru osiguranja od automobilske odgovornosti

master's thesis

• Title (english): Consumer protection on the example of motor liability insurance
• Author: Ivana Pušić
• Mentor: Maja Mihelja Žaja (mentor)
• Committee member: Dajana Barbić (predsjednik povjerenstva)
• Committee member: Antonija Buljan (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2022-09-05, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

U posljednje vrijeme se sve više priča o problemu financijske pismenosti osiguranika glede vlastitog osiguranja. Nastoji se pronaći najbolji sustavni koncept kako bi se riješio problem umanjenosti zaštite potrošača u Republici Hrvatskoj. Problem se očituje pri sve većoj nemotiviranosti osiguranika da uopće čitaju ugovor o osiguranju prije samog potpisa. Nezainteresiranost osiguranika najčešće vodi do krivih informacija i problema s osiguravajućim kućama. Glavni cilj istraživanja bio je istražiti zaštitu potrošača na primjeru osiguranja od automobilske odgovornosti odnosno dati kratki uvid o financijskoj pismenosti potrošača. U radu se nastoji istražiti utjecaj zaštite potrošača u osiguranju. Razmatra se koliko su potrošači informirani o svojim pravima kao osiguranici te sama njihova motiviranost o navedenoj temi. Kroz rad se analizira osiguranje od automobilske odgovornosti te samo kasko osiguranje. Na temelju cijelog rada može se zaključiti da je većina ispitanika upoznata s karakteristikama osiguranja od automobilske odgovornosti, ali opet nedovoljno kako bi bili upoznati s vlastitim pravima kao potrošači. Osim sekundarnih, koristili su se primarni podaci koji su prikupljeni anketnim ispitivanjem osoba koji su vozači i/ili sudionici prometa u Republici Hrvatskoj. Na kraju rada obrađuju se podaci koji bi uz sva ograničenja, trebali dopuniti postojeća saznanja povezana s temom rada, barem na indikativnoj razini

Abstract (english)

Recently, there has been more and more talk about the problem of financial literacy of insured persons regarding their own insurance. Efforts are being made to find the best systematic concept in order to solve the problem of reduced consumer protection in the Republic of Croatia. The problem is manifested in the increasing lack of motivation of the insured to even read the insurance contract before signing it. The lack of interest of the insured usually leads to incorrect information and problems with insurance companies. The main goal of the research was to investigate consumer protection on the example of automobile liability insurance, that is, to provide a brief insight into the financial literacy of consumers. It is considered how much the consumers are informed about their rights as insured persons and their motivation on the mentioned subject is considered. The master thesis analyzes automobile liability insurance and only comprehensive insurance. Based on the entire thesis, it can be concluded that the majority of respondents are familiar with the characteristics of automobile liability insurance, but again not enough to be familiar with their own rights as consumers. In addition to secondary data, the work also uses primary data that were collected by surveying persons who are drivers and/or road users in the Republic of Croatia. At the end of the thesis, data is processed that, with all the limitations, should complement the existing knowledge related to the topic of the paper, at least on an indicative level.

• Keywords: zaštita potrošača; osiguranje od automobilske odgovornosti; kasko osiguranje
• Keywords (english): consumer protection; automobile liability insurance; comprehensive insurance
• Language: croatian
• URN:NBN: urn:nbn:hr:148:521463
• 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 authenticated users
• Created on: 2022-09-05 15:44:08