Analýza on-line srovnávačů jako zprostředkovatelů pojištění

Abstract

This thesis is focused on analysis of insurance comparison websites and their role as insurance intermediaries. The main objective was to identify differences between selected comparison websites based in predefined criteria. The second objective was to determine the attitudes and experiences of respondents as potential consumers through a questionnaire survey. The theoretical part of the thesis discusses InsurTech, which includes online insurance comparison websites as well. Additionally, the nature of insurance is described, including the legal aspects of insurance intermediation within the context of online insurance comparison websites. In the practical part, an analysis of the Czech online insurance comparison market and identification of possible interrelationships between them is carried out. Furthermore, the selected comparators are evaluated according to the criteria, whose definition, as well as the selection of compared entities, were based on the results of the questionnaire survey. The output of the practical part is a summary of the questionnaire survey results and a multi-criteria decision-making matrix consisting of scores and weights of evaluating criteria. This matrix shows the overall ratings of the selected comparators and the differences between them. Based on this information, there are formulated general and specific recommendations for evaluated comparison websites.