| Course Unit Code | 119-0326/06 |
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| Number of ECTS Credits Allocated | 4 ECTS credits |
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| Type of Course Unit * | Choice-compulsory type B |
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| Level of Course Unit * | Second Cycle |
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| Year of Study * | Second Year |
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| Semester when the Course Unit is delivered | Winter Semester |
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| Mode of Delivery | Face-to-face |
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| Language of Instruction | Czech |
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| Prerequisites and Co-Requisites | Course succeeds to compulsory courses of previous semester |
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| Name of Lecturer(s) | Personal ID | Name |
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| ROZ21 | prof. JUDr. Naděžda Rozehnalová, CSc. |
| KRU53 | Ing. Martina Krügerová, Ph.D. |
| Summary |
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| The aim of this subject is to acquire the students with legal regulation of private insurance, insurance as a obligatory legal relation and legal regulation of insurance business. Also the explanation of the basic regulation of EU Council of insurance is included as well as the principle of unified European passport. Student gains the knowledge out of those explanations and application of legal norms and in this way practical use of acquired knowledge will be supported. |
| Learning Outcomes of the Course Unit |
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Student will be able to:
• Describe regulative of insurance, enumerate doctrines of single insurance market.
• Identify legal insurance relation participants and infer rights and obligations. Differentiate individual categories of insurance intermediaries.
• Apply rule of law to resolution of concrete example.
• Analyze insurance contract, insurance terms and conditions.
• Propose to claim resolution.
• Evaluate advantages and disadvantages of single insurance market for Czech insurance market. |
| Course Contents |
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1. Basic terms. Business risk and insurance. Insurance market entities. Insurance law. Sources, present legal regulation.
2. Business risk, traditional risk methods, alternative risk methods, captive insurance.
3. Legal relations of insurance law. Insurance contract legislation, conclusion, contract interruption, contract termination. insurance conditions.
4. Damage and loss insurance.
5. Legal and contractual insurance. Insurance in business practice. Insurance market trends for entrepreneurs and industry.
6. Property insurance - legal aspects. Liability insurance.
7. Liability. Liability insurance.
8. D&O Insurance.
9. Damage and insured event. Claims settlement.
10. Claims settlement. Specific cases (responsibility, cybernetics, etc.).
11. Insurance fraud and possible solutions, international insurance fraud.
12. Legal regulation of insurance intermediaries. Single passport for insurance intermediaries. Significance for the client.
13. Single insurance market. Member State supervisory cooperation. Insurance market in the Czech Republic and the EU.
14. International Insurance Law. |
| Recommended or Required Reading |
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| Required Reading: |
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ASMUSSEN, Søren a Mogens STEFFENSEN. Risk and insurance: a graduate text. Cham, Switzerland: Springer, 2020. Probability theory and stochastic modelling. ISBN 978-3-030-35175-5.
MCGURK, Brendan. Data profiling and insurance law. Oxford: Hart, 2019. ISBN 978-1-5099-2061-7.
REJDA, George E., Michael J. MCNAMARA a William H. RABEL. Principles of risk management and insurance. Fourteenth edition. Harlow: Pearson Education Limited, 2022. ISBN 978-1-292-34974-9.
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ASMUSSEN, Søren a Mogens STEFFENSEN. Risk and insurance: a graduate text. Cham, Switzerland: Springer, 2020. Probability theory and stochastic modelling. ISBN 978-3-030-35175-5.
KARFÍKOVÁ, M., PŘIKRYL, V., VYBÍRAL, R. a kolektiv. Pojišťovací právo. 2. přepracované vydání. Praha: Leges, 2018. ISBN 978-80-7502-271-4.
ŠVESTKA, Jiří. Občanský zákoník: komentář. Svazek VI, (§ 2521 až 3081). 2. vyd. Praha: Wolters Kluwer, 2021. ISBN 978-80-7598-955-0. |
| Recommended Reading: |
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GLAU, K. et al, ed. Innovations in insurance, risk- and asset management: conference at the Technical University of Munich. Singapore: World Scientific, 2019. ISBN 978-981-327-255-2.
NICOLETTI, Bernardo. Insurance 4.0: benefits and challenges of digital transformation. Cham, Switzerland: Palgrave Macmillan, 2021. ISBN 978-3-030-58425-2.
VANDERLINDEN, S., Shân M. M., ANDERSON, N. and S.CHISHTI, ed. The InsurTech book: the insurance technology handbook for investors, entrepreneurs and FinTech visionaries. Chichester: Wiley, 2018. ISBN 978-1-119-36221-0.
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DOBIÁŠ, Petr. Pojištění podnikatelů ve vztazích s mezinárodním prvkem. Praha: Leges, 2019. ISBN 978-80-7502-348-3.
HRADEC, Milan a Žaneta BOUČKOVÁ. Aktuální legislativní změny v oboru pojištění a pojišťovnictví. Praha: Vysoká škola finanční a správní, 2020. ISBN 978-80-7408-176-7.
JEMELKA, Luboš. Zákon o distribuci pojištění a zajištění: komentář. Praha: Wolters Kluwer, 2022. ISBN 978-80-7552-354-9.
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| Planned learning activities and teaching methods |
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| Lectures, Tutorials |
| Assesment methods and criteria |
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| Task Title | Task Type | Maximum Number of Points
(Act. for Subtasks) | Minimum Number of Points for Task Passing |
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| Graded credit | Graded credit | 100 (100) | 51 |
| Projekt | Project | 20 | 5 |
| Písemný test | Written test | 80 | 46 |