This thesis is focused mainly on the liquidation process of damage events related to the buildings. The analysis of the whole process and recommendations for limiting of individual risk is involved. Within the insurance discurs, asset insurance is characterized by a new price and the time prize. This difference is described in the practical part of the thesis, where the partial damages caused by the storm on the family house and the overall damage to the cottage after a major fire accident. At the end of the case study, an assessment of the most serious insurance risks is described.

Thesis deals with analysis of the life child's insurance product of company Allianz pojišťovna a.s. and its comparsion with offer of chosen commercial insurance companies. The thesis result is a proposal for improvement of this company´s life child's insurance product offer.

The work deals with the determination of the sum insured in the insurance of houses. For this purpose are used three methods of real estate valuation. These procedures are compared with the methods of insurers. The methods are applied in the practical part of the concrete houses and results of the methods are compared.

The thesis focuses on the valuation of damage caused by torrential rain to the family house in the village Nesovice. In the first part the basic terms and assessing methods are defined. In the second part, there are applied methods of appraisal of damage on the family house. There is the value of the property calculated before the insurance event. In the itemized budget, there are quantified the cost of repairs of damaged constructions and then detected current value after repairs. The aim of the thesis is to dedicate readers to the problem of assessment.

The theme of this master´s thesis is determine the new price of a house in Prostějov, district Žešov, cost method of valuation, current price of a house before insured event, description of the insured event (fall of the airplane Zlin Z-326 M), determining the amount of insurance payment for the harm caused of the insured event and again determine the current price of a house after insured event. Result above operations is evaluation effect of executed corrections after the insured event to the house value.

The aim of this thesis is to determine the amount of indemnity for total damage caused by a falling tree during the gale on a cottage in Roudné near Nové Hrady. The theoretical part deals with basic insurance terminology and basic terminology and methods used in property evaluation. The practical part describes the original condition of the property and its evaluation before the insured event using a cost method and complying with the evaluation regulation. Furthermore, this thesis deals with determination of the costs through the itemized budget for bringing the property to its original state. The conclusion deals with the impact of reconstruction on the extent of indemnity.

The thesis is devoted to the issue of determining the amount of indemnity to the indoor facilities caused by fire. The aim is to determine the amount of indemnity if the insured event occurs on the property. Furthermore, I will deal with determining the new premium property value. The theoretical part provides the basic concepts commonly used valuation methods and a description of the valuation in accordance with applicable laws and regulations.

1.Summary - review in English The above-mentioned work comprises of two basic issues that are connected together, namely commentary on Insurance Policy Act as general introduction into the field of insurance policies and consequent and special issue of legal expenses insurance interpretation. The basic meaning of it was to introduce not only the provisons concerning insurance policies, but also to show one of the insurance policies type in details, what could be hardly possible or satisfactory without preceding description of the Insurance Policy Act. Thus, complete summary of this work will be divided into two parts; first would be the part concerning Insurance Policy Act and second would be the part concerning legal expenses insurance. 1.1.Insurance Policy Act - Summary The first part of this work concerned, as mentioned above, the Insurance Policy Act, whereas my primary aim was to interpret provisions of this act that were worth it and point out namely on imperfections of the existing legislature. It wasn't and wouldn't be of any significant value just to copy and paste individual provisions of the act, therefore, this work aimed primarily on introduction of new ideas and as a basis for that served a confrontation with the actual wording and its interpretation, whereas plain consent with what was...

團體壽險是員工福利思潮下之產物，至今已成為分散、轉嫁企業人身及責任風險不可或缺之風險管理工具。而團體壽險以一張保險單承保多數被保險人，此項「團體」之特性使其在核保、保險費、部分有效性及契約條款之設計上，有別於一般之人壽保險。目前，各家保險公司之團體壽險保險單悉以主管機關制訂之「團體一年定期人壽保險單示範條款」為依據。此示範條款以團體為要保人、團體成員為被保險人，將團體壽險定位為由第三人訂立之人壽保險契約，使團體壽險契約受到欠缺保險利益而無效、有無保險法第一○五條之適用及指定、變更受益人之權利人為誰之質疑。其次，團體壽險契約條款中的保險契約構成部分條款、被保險人資格條款、保險契約終止條款、契約轉換權條款、免責條款及不可抗爭條款等亦存在諸多問題，實有檢討予以修正之必要。 因此，本文乃以探討示範條款所涉法律爭議問題為中心，參酌國內學說見解並比較美國判例及美國保險監理官協會所制訂之「團體壽險定義及標準條款模範法案」，對團體壽險契約條款之增訂及修正提出七項建議，包括重新定位團體壽險契約當事人、重視逆選擇防範及被保險人權益保障、明訂兩年不可抗爭期間及團體信用壽險不適用契約轉換權條款及受益人條款、修正個別被保險人保險契約終止之時點及保險人免責事由等，希冀本文之淺見能使示範條款更為完善。 / Group life insurance arises from the thought that employers have the responsibilities to take care of their employees. Until now, group life insurance has become an important part of industries’ risk management plans for distributing and transferring industries’ life and liability risk. Group life insurance insures more than five persons in one policy, and this “group” characteristic makes group life insurance different from general life insurance in many aspects: underwriting, premiums, partly effective and contract clauses. Presently, provisions of group life policies are based on“Model Provisions for Group Yearly Term life Policies”promulgated by competent authority. According to Article 2 of the model provisions, the policyholder is the “group”, and the members of the group are insureds. In other words, group life insurance is entered into by third party. This causes three problems needed to be solved: (1) If the policyholder has no insurable interest in the insured, shall group life insurance be void? (2) Is Article 105 of Insurance Act applicable to group life insurance? (3) Who has the right to designate or change the beneficiary? In addition, there are still some problems in other model provisions including the entire-contract provision, eligibility requirements provision, termination provision, conversion provision, exception clause and incontestability provision. It is necessary to review and revise the model provisions. Therefore, this study focuses on related legal issues of the model provisions. Referring to scholars’ opinions and comparing American verdicts and “Group Life Insurance Definition and Group Life Insurance Standard Provisions Model Act” issued by The National Association of Insurance Commissioners, this study concludes by providing several suggestions in revising the model provisions: (1) The policyholder and the insured should be referred to as members of the group, not “group”. (2) Emphasize on preventing adverse-selection and protecting the insured’s right. (3) Augment incontestable period of two years and a clause which provides that conversion provision and beneficiary provision are not applicable to credit group life insurance. (4) Revise the termination provision and exception clause. Hope these suggestions will make the model provisions more perfect.

En assurance de dommages, l’article 2474 C.c.Q. prévoit la possibilité pour l’assureur d’être légalement subrogé dans les droits de l’assuré contre l’auteur du préjudice, à concurrence des indemnités qu’il a payées. L’assureur ne pourra jamais être subrogé contre les personnes faisant partie de la maison de l’assuré. Dans un premier temps, le présent mémoire fait un survol historique du droit à la subrogation de l’assureur en vertu du Code civil. Depuis la codification de 1865, les principes relatifs à la subrogation de l’assureur ne sont pas demeurés statiques. Ils firent l’objet de plusieurs modifications législatives et de nombreuses controverses et développements jurisprudentiels. Dans un deuxième temps, un portrait global de l’état actuel du droit est dressé en ce qui concerne l’article 2474 C.c.Q., tant sur le plan des composantes du droit à la subrogation que de ses aspects procéduraux. / In damage insurance, article 2474 C.c.Q. provides the possibility for the insurer to be legally subrogated to the rights of the insured against the person responsible for the loss, up to the amount of indemnity paid. The insurer may never be subrogated against persons who are members of the household of the insured. Firstly, the present Master’s thesis makes a historical overview of the right of subrogation of the insurer under the Civil Code. Since the codification of 1865, the principles governing the insurer’s subrogation have not remained static. They were subject of many legislative amendments and numerous controversies and case law developments. Secondly, a global portrait of the current state of law is made in relation to article 2474 C.c.Q., with regard to the components of the subrogation and its procedural aspects.