Policyholder's Risk in Czech and Slovak Bonus-Malus Systems

Kód výsledku v IS VaVaI

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Výsledek na webu

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DOI - Digital Object Identifier

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Jazyk výsledku

angličtina

Název v původním jazyce

Policyholder's Risk in Czech and Slovak Bonus-Malus Systems

Popis výsledku v původním jazyce

Both countries of the former federation started a systematic application of bonus-malus systems in automobile insurance at the beginning of the 21th century. The premium has become a random variable and policyholders have taken a part of risk from the insurer to themselves since. The main goal of the paper is to answer the following question. What is the present ability of the Czech and Slovak bonus-malus systems to pass the risk on to policyholders? That ability is expressed quantitatively using Schnieper?s formula for risk?s division. The paper also offers a relative expression of the risk to the risk in a hypothetical bonus-malus system in which each policyholder would pay premium worth the average total costs associated with their insurance policy.

Název v anglickém jazyce

Policyholder's Risk in Czech and Slovak Bonus-Malus Systems

Popis výsledku anglicky

Both countries of the former federation started a systematic application of bonus-malus systems in automobile insurance at the beginning of the 21th century. The premium has become a random variable and policyholders have taken a part of risk from the insurer to themselves since. The main goal of the paper is to answer the following question. What is the present ability of the Czech and Slovak bonus-malus systems to pass the risk on to policyholders? That ability is expressed quantitatively using Schnieper?s formula for risk?s division. The paper also offers a relative expression of the risk to the risk in a hypothetical bonus-malus system in which each policyholder would pay premium worth the average total costs associated with their insurance policy.

Druh

D - Stať ve sborníku

CEP obor

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OECD FORD obor

50206 - Finance

Projekt

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Návaznosti

V - Vyzkumna aktivita podporovana z jinych verejnych zdroju

Rok uplatnění

2014

Kód důvěrnosti údajů

S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů

Název statě ve sborníku

Quantitative Methods in Economics

ISBN

978-80-225-3868-8

ISSN

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e-ISSN

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Počet stran výsledku

6

Strana od-do

249-254

Název nakladatele

Ekonóm

Místo vydání

Bratislava

Místo konání akce

Bratislava

Datum konání akce

1. 1. 2014

Typ akce podle státní příslušnosti

EUR - Evropská akce

Kód UT WoS článku

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