Đurić, dr Zlata

ARTICLES

OPERATIONS OF THE INSURANCE SECTOR IN THE REPUBLIC OF SERBIA IN THE CIRCUMSTANCES OF COVID-19 PANDEMIC

Svaka ekonomska ili zdravstvena kriza primorava osiguravajuća društva, zbog osetljivosti njihovih portfelja, na prilagođavanje poslovanja, prvenstveno u pogledu kvalitetnog upravljanja rizicima. U radu su ispitivani uticaji pandemije na dobit i premiju osiguranja osiguravajućih društava, a posebno uticaj promene pre- mije putnog zdravstvenog osiguranja, kao vrste osiguranja čija je premija najviše pogođena pandemijom. Ispitivanje uticaja pandemije na sektor osiguranja sprovedeno je komparativnom analizom premije osiguranja i dobiti pre i posle pandemije. Analiza uticaja varijacije premije putnog zdravstvenog osiguranja na ostvarenu dobit osiguravajućih kuća vršena je primenom panel regresione analize. Dobijeni rezultati pokazuju da ne postoji značajan uticaj pandemije na sektor osiguranja Republike Srbije, kao ni uticaj promene premije putnog zdravstvenog osiguranja na ostvarenu dobit osiguravajućih društava u Republici Srbiji. Ključne reči: osiguravajuća društva, pandemija, kovid 19, tržište osiguranja, putno zdravstveno osiguranje, zdravstvena kriza

ARTICLES

COMPARATIVE ANALYSIS OF THE TERMS AND CONDITIONS FOR MOTOR HULL INSURANCE OFFERED BY THE INSURERS OPERATING ON THE MARKET OF THE REPUBLIC OF SERBIA

Motor hull insurance includes all types of conventional road motor vehicles and also covers towed vehicles, special and working vehicles intended for use on land, motorcycles, rolling stock and working machines and components thereof. It represents a voluntary type of insurance governed by the terms and conditions pre-defi ned by insurance companies in accordance with the Insurance Law and the Law of Contracts and Torts. The signifi cance and purpose of the analysis lies in better understanding of motor vehicle insurance and comparison, clarifi cation and additional explanations of the terms and conditions off ered to insurance customers by diff erent insurance companies. Insurers off er diff erent coverages, diff erent insurance rates and terms that help determine the compensation after the occurrence of the insured event. Customers are often fl ooded with a large number of information they have to analyse and thus often make their choices based on rumours or vague statements, which may result in the loss of money and unexpected consequences. For the purpose of this analysis, a comparative method was used to compare and analyse motor hull insurance terms and conditions of the three most prominent domestic insurers. We intentionally chose to analyse this line of insurance since it proved to be highly dynamic both regionally and globally.

Key words: motor hull insurance, insurance off er, risk, insurance terms and conditions, insurance market.