Vícekriteriální výběr produktu pojištění nemovitosti

Abstract

The aim of the bachelor's thesis is to select the best real estate insurance product with the application of multi-criteria decision-making methods for a specific client so that it meets his requirements. The second chapter is focused on the description of multi-criteria decision-making methods. First, the essence of decision-making, the structure and elements of the decision-making process are described. Furthermore, the methods of determining the weights of the criteria and the methods by which the weights of the criteria can be obtained are mentioned. The final stage is the multi-criteria evaluation of variants and its methods of multi-criteria evaluation of variants. In the third chapter, there is a description of non-life insurance and its breakdown. Furthermore, the insurance market with non-life building insurance is presented, where there are 14 insurers that offer building insurance products. The products of selected insurance companies with a significant market share of prescribed premiums for the year 2022 are also described. The fourth chapter contains a description of the subject and the object, i.e. the goal of decision-making and the decision-maker. Seven options for solving the decision-making problem, seven insurance products, are selected. The selected variants are the best insurance products offered by insurance companies with the highest market share in 2022. Five criteria are set, according to which the most suitable insurance is subsequently selected. Furthermore, criteria weights are calculated using two methods of multi-criteria decision-making, namely Saaty's method of pairwise comparison of criteria and Fuller's method. For the multi-criteria evaluation of variants, two methods are also applied, according to which the most suitable variant of non-life insurance of buildings is selected according to the subject's requirements, namely the basic variant method and the weighted ranking method.