Výběr optimálního produktu pojištění domácnosti

Abstract

This bachelor's thesis is concerned with the choice of an optimal household insurance product. The thesis is divided into five chapters including the introduction and conclusion. The second and third chapter form a theoretical part, the fourth chapter is practical. The second chapter describes the methodology of multicriteria decision making. It includes the essence of decision-making, a description of the structure and elements of the decision-making process, as well as a description of methods for determining the weights of criteria and methods for multi-criteria evaluation of variants. The third chapter describes the current situation of the subject, introduces the property insurance market in the Czech Republic and characterizes the products of insurers providing household insurance. In the fourth chapter, the subject sets 5 criteria, according to which suitable variants are selected for comparison. 13 variants from 9 different insurers are selected. The weights of the criteria are determined on the basis of the 100-point allocation method and the Saaty method. The criterion of paid premiums has the highest weight. The AHP method and the method of linear utility partial functions are chosen for the evaluation of variants. According to the results of both methods of multi-criteria evaluation of variants, variant V_8, Property and liability insurance from DIRECT Insurance company was evaluated as the best. However, this is not an optimal variant, but the best compromise solution.