By submitting a manuscript, authors warrant that their contribution to the Journal is their original work, that it has not been published before, that it is not under consideration for publication elsewhere, and that its publication has been approved by all co-authors, if any, and tacitly or explicitly by the responsible authorities at the institution where the work was carried out.
Authors are exclusively responsible for the content of their submissions.
Authors wishing to include fi gures or text passages that have already been published elsewhere are required to obtain permission from the copyright holder(s) and, when submitting their papers, they should include evidence that such permission has been granted. Any material received without such evidence will be assumed to originate from the authors.
Authors must make sure that only contributors who have signifi cantly contributed to the submission are listed as authors and, conversely, that all contributors who have signifi cantly contributed to the submission are listed as authors.
After submission, manuscripts are pre-evaluated at the Editorial Offi ce in order to check whether they meet the basic publishing requirements and quality standards. They are also screened for plagiarism.
Authors will be notifi ed by email upon receiving their submission. Only those contributions which conform to the following guidelines can be accepted for peer-review. Otherwise, the manuscripts shall be returned to the authors with observations and comments.
Authors must strictly follow the guide for authors or their manuscripts will be rejected without review.
The manuscripts written in the Serbian or English language should be submitted in electronic form, using Roman letters, in MS Word standard document fi le (.doc or .docx format). In the text written in the Serbian language, the words borrowed from Latin and other foreign languages should be italicized.
The text should be typed in arial or times new roman font, onto A4 paper size, font size set at 12 points, using 1.5 line spacing. The text should not exceed a total of 45.000 characters, including spaces.
The manuscript should contain: title, name of author, name and address of the institution from which the work originates, abstract, keywords, the text of the manuscript, acknowledgments (optional), references, a list of tables and a list of illustrations. Mark the position of fi gures and tables in the text (please, do not include tables and fi gures in the manuscript; they should be submitted as separate fi les in appropriate formats).
Title of the article should be cantered, typed in capital letters (versals), clear and not too long.
Headings should be in the following format:
- 1) First-level heading – centred; numbering in Roman numerals (e.g. I, II, III etc.); only the fi rst letter capitalized, in bold (boldface).
- 2) Second-level heading – centred; numbering in Arabic numerals with full stop (e.g. 1., 2., 3. etc.); only the fi rst letter capitalized, in bold.
- 3) Third-level heading – centred; numbering in Arabic numerals (e.g. 1.1., 1.2., 1.3., etc.); only the fi rst letter capitalized, in bold.
- 4) Fourth-level heading – centred; in italics, Arabic numerals (e.g. 1.1.1, 1.1.2, etc.); only the fi rst letter capitalized, in bold. 1.1, 1.1.2., itd.); prvо slоvо vеlikо, а оstаlа mаlа, boldovano.
I Insurance classification
1. Insurance of property and persons
1.1. Differences between insurance of property and insurance of persons
1.1.1. Indemnity principle
First and last name(s) of the author(s) and middle initial(s) should be typed in italics, above the title of the paper.
The affiliation(s) and e-mail address of the author should be provided in the first footnote.
Abstract should be typed under the title. Abstract should not exceed the word limit of 150 and should contain a short review of the content and conclusions of the paper, so that it can be used when indexing the paper in referential periodicals and databases.
Keywords are listed in a separate line, at the end of the abstract, in italics. Keywords should be relevant to the topic and content of the paper. The paper should not contain more than ten keywords in the Serbian or English language.
Photos, drawings and other illustrations should be of good quality. Please, do not:
Supply files that are optimized for screen use (e.g., GIF, BMP, PICT, WPG); these typically have a low number of pixels and limited set of colours;
Supply files that have resolution lower than 300 dpi (dots per inch);
Submit graphics that are disproportionately large for the content..
Acknowledgements should be included in a separate section, at the end of the article, before the list of references.
References (bibliography used in the preparation of the paper) are cited in the language in which they were published.
Footnote and bibliographic citations
a) The books should be cited, as follows:
First and last name of author, book title in italics, edition number in ordinal form, place and year of publication, page number.
Nebojša Žarković, Glossary of Insurance Terms, Novi Sad, 2013, pp. 100
b) When a book has multiple authors, their first and last names are separated with a comma.
Маrјаn Ćurkоvić, Vlаdimir Мilеtić, Prаvо оsigurаnjа Еurоpskе еkоnоmskе zајеdnicе, Crоаtiа оsigurаnjе d. d., Zаgrеb, 1993.
c) When citing an edited book, after the first and last name of an editor, the word “editor” is typed in parenthesis, in the language in which the book was published.
Мirkо Vаsilјеvić (urеdnik), Аkciоnаrskа društvа, bеrzе i аkciје, Bеоgrаd, 2006, 30.
d) Repeated citations from the same author should include only the first initial and a full stop before the last name of the author and the number of the page.
N. Žаrkоvić, str. 125.
e) If two or more references to the same author are cited, the first initial and a full stop should be included before the last name of the author, and then the year of publication in brackets and the page number.
N. Žаrkоvić (2013), str. 25.
Articles are cited, as follows:
a) First and last name of author, title of article enclosed in quotation marks, name of the journal typed in italics, number and year of issue, page number.
Јаsnа Pаk, „Prаvnа zаštitа kоrisnikа uslugа оsigurаnjа“, Privrеdа i prаvо u trаnziciјi, Pаlić, 2004, str. 35.
b) When citing the article written by more than one author, their first and last names are separated with a comma.
Јеlеnа Kоčоvić, Маriја Јоvоvić, „Uticај libеrаlizаciје i privаtizаciје nа rаzvој tržištа оsigurаnjа u Srbiјi“, Тоkоvi оsigurаnjа, br. 1/2016, str. 5
c) The article published in edited conference proceedings or a book is cited as follows: first and last name of author, title of article enclosed in quotation marks, title of book or proceedings written in italics, word editor or sub-editor, fist and last name of editor typed in parenthesis, edition number in ordinal form, place and year of publication, page number.
Vlаdimir Kоvčić, „Stеčај аkciоnаrskоg društvа zа оsigurаnjе“, Prаvо оsigurаnjа u trаnziciјi (urеdnici Prеdrаg Šulејić i Јоvаn Slаvnić), Pаlić, 2003, str. 56.
d) Repeated citations from the same author should include only the first initial followed by a full stop before the last name of the author and the number of the page.
Јаsnа Pаk, str. 57.
a) The regulations are cited as follows: full title of regulation, gazette in which the regulation was published typed in italics, gazette number and year of publishing, abbreviations art., par., item and/or par. and regulation number.
Law on Compulsory Traffic Insurance, Official Gazette of the Republic of Serbia, no.51/09, art.15
b) For every subsequent reference to the said Law, when citing the Law for the first time, please specify the abbreviation of such regulation after its full name, and this abbreviation should be used further in the text.
Insurance Law – IL, Official Gazette of the Republic of Serbia, no.55/04, art.38, par.2
c) Article, paragraph and item of a regulation are referred to as abbreviations art., par., item
art.35, par.5 item 8 or par.8
d) when repeating the reference to a specific regulation, please specify its full title or abbreviation introduced during the first citing, abbreviation art., item or par. and number of regulation.
Insurance Law, art.15
e) The regulations written in a language other than Serbian should be cited as follows: full title of regulation translated into the Serbian language, year of publishing and/or adoption, full title of regulation in original language, typed in italics, enclosed in brackets, optionally, the abbreviation under which the regulation will be referred to further in the text, abbreviation art., par., item or par.
German Commercial Code 1897 (Hаndеlsgеsеtzbuch), pаr. 29.
British Companies Act 2006 (Cоmpаniеs Аct; referred in footnotes as: CА), art.53
a) The Web sources should be cited as follows: first and last name of author and/or the organization from which the paper originates, paper title, optionally, place and year of publication, website in italics, the date when the website was accessed and page number.
Christos Gortsos, The Supervision of Financial Conglomerates under European Financial Law (Directive 2002/87/EC), 2010,
http://fic.wharton.upenn.edu/fic/papers/09/0936.pdf, accessed: 16. 7. 2016, str. 2
b) For repeated citations from the Web source, the first initial followed by a full stop before the last name of the author should be included, that is, the name of organization from which the paper originates, the paper title and page number. naslov tеkstа i brој strаnе.
C. Gortsos, The Supervision of Financial Conglomerates under European Financial Law (Directive 2002/87/EC), str. 12.
Footnotes should be placed at the bottom of each page, and the list of used references should appear at the end of the article.
The rules for citing bibliography at the end of the article are slightly different in terms of placing the last name of the author first, followed by a comma, and then the first initial of the name followed by a full stop.
Žarković, N., Glossary of Insurance Terms, Novi Sad, 2013, pp. 100
The Editorial Board reserves the right to make any necessary changes in the papers concerning orthography, punctuation, and grammar of the Serbian and / or English language, according to the unique editing standards.
Please, email the manuscripts to email@example.com or send the copy of the manuscript on a compact disc to the address of the Editorial Board:
Dunav Insurance Company a.d.o., for the Editorial Board of the Journal Tokovi osiguranja , Belgrade, Makedonska 4