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Insurance and reinsurance
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Publisher: Editura Universitara
Author: Roxana Ionescu
ISBN: 978-606-28-0404-6
DOI: 10.5682/9786062804046
Publisher year: 2016
Edition: I
Pages: 144
Product Code:
9786062804046
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The paper is addressed, first of all, to students in state and private economic higher education, high school students with economic profile, teachers in university and high school education, economic agents and state institutions and any other natural or legal persons wishing to acquire knowledge. in the field of insurance.
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Asigurari si reasigurari
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ROXANA IONESCU
Dimitrie Cantemir Christian University"
Faculty of Tourism and Commercial Management
Dimitrie Cantemir Christian University"
Faculty of Tourism and Commercial Management
INTRODUCTION / 7
Chapter 1
GENERAL ASPECTS REGARDING INSURANCE AND REINSURANCE / 9
1.1. The need and role of insurance / 10
1.2. Economic content of insurance / 16
1.3. Insurance risk / 21
1.4. Types of insurance / 23
1.5. Legislative aspects regarding insurance / 27
Chapter 2
TECHNICAL AND CONTRACTUAL ELEMENTS OF INSURANCE / 31
2.1. Typology and technical elements specific to the insurance contract / 31
2.2. Features of the insurance contract / 36
2.3. Content (integral parts) of the insurance contract / 40
2.4. Reinsurance contract / 45
Chapter 3
GOODS INSURANCE / 53
3.1. General characteristics of goods insurance / 53
3.2. Insurance of buildings and their content / 60
3.3. Motor insurance / 70
3.4. Maritime insurance / 74
3.5. Insurance of animals and agricultural crops / 79
Chapter 4
CIVIL LIABILITY INSURANCE / 84
4.1. Characteristics of civil liability insurance / 84
4.2. Motor third party liability insurance / 87
4.3. Professional civil liability insurance / 93
4.4. Civil liability insurance of service providers / 97
Chapter 5
PERSONAL INSURANCE / 101
5.1. The role and importance of life insurance / 101
5.2. Traditional insurance / 105
5.3. Investment insurance / 111
5.4. Additional clauses in the realization of insurance products / 114
Chapter 6
ANALYSIS OF THE INSURANCE MARKET IN ROMANIA / 119
6.1. The structure of the insurance market in Romania / 119
6.2. The role of insurance intermediaries / 123
6.3. Specific indicators of the insurance market / 128
6.4. Insurance risk management analysis / 133
6.5. Trends on the Romanian insurance market / 136
BIBLIOGRAPHY / 141
ANNEXES / 144
Chapter 1
GENERAL ASPECTS REGARDING INSURANCE AND REINSURANCE / 9
1.1. The need and role of insurance / 10
1.2. Economic content of insurance / 16
1.3. Insurance risk / 21
1.4. Types of insurance / 23
1.5. Legislative aspects regarding insurance / 27
Chapter 2
TECHNICAL AND CONTRACTUAL ELEMENTS OF INSURANCE / 31
2.1. Typology and technical elements specific to the insurance contract / 31
2.2. Features of the insurance contract / 36
2.3. Content (integral parts) of the insurance contract / 40
2.4. Reinsurance contract / 45
Chapter 3
GOODS INSURANCE / 53
3.1. General characteristics of goods insurance / 53
3.2. Insurance of buildings and their content / 60
3.3. Motor insurance / 70
3.4. Maritime insurance / 74
3.5. Insurance of animals and agricultural crops / 79
Chapter 4
CIVIL LIABILITY INSURANCE / 84
4.1. Characteristics of civil liability insurance / 84
4.2. Motor third party liability insurance / 87
4.3. Professional civil liability insurance / 93
4.4. Civil liability insurance of service providers / 97
Chapter 5
PERSONAL INSURANCE / 101
5.1. The role and importance of life insurance / 101
5.2. Traditional insurance / 105
5.3. Investment insurance / 111
5.4. Additional clauses in the realization of insurance products / 114
Chapter 6
ANALYSIS OF THE INSURANCE MARKET IN ROMANIA / 119
6.1. The structure of the insurance market in Romania / 119
6.2. The role of insurance intermediaries / 123
6.3. Specific indicators of the insurance market / 128
6.4. Insurance risk management analysis / 133
6.5. Trends on the Romanian insurance market / 136
BIBLIOGRAPHY / 141
ANNEXES / 144
An essential aspect in the life and evolution of man, since ancient times has been the care for the future, the fear combined with caution and the wisdom of a fulfilled thing. People have come together to deal with the consequences of accidents.
Thus, the merchants of Antiquity practiced forms of protection in order to cover the damages produced during the transport of the goods.
For example: the maritime legislation of Rodhos provided that the losses produced by throwing overboard a part of the goods in order to save the rest of the cargo, to be borne by all owners of goods loaded on board. And in Ancient Rome there were associations based on solidarity that intervened after the damage.
Then, the elements of an incipient insurance contract appear, in the form of a loan contract in which the amount guarantees a long-distance transport of goods; if they did not reach their destination, the creditor lost the amount borrowed. This contract gradually expands, being valid and existing even in the early Middle Ages.
We can say, in a way, that insurance appeared with the advent of human society. We are aware of two types of savings that have characterized society over time: foreign exchange savings (made with appropriate elements: foreign exchange markets, money, various financial instruments) and natural savings, in the absence of these elements, they date back a long time. older than the first.
In such a natural economy, we can look at the concept of insurance as a form of help between individuals in society. For example, if a house suffers a devastating fire, members of that community will help together rebuild the house; otherwise, they will not receive help in the future either. This type of insurance has survived to this day in regions where modern foreign exchange economies have penetrated only superficially (for example in some countries of the former Soviet Union). The insurance mainly expresses a financial protection for the losses suffered by people or companies due to various risks.
Insurance methods have developed along with the protection needs that exist at one time for people and their businesses. Thus, business people have understood to use insurance to reduce the risks that may occur in commercial transactions and those related to heritage protection.
The paper is addressed, first of all, to students in state and private economic higher education, high school students with economic profile, teachers in university and high school education, economic agents and state institutions and any other natural or legal persons who wish to acquire knowledge. in the field of insurance.
The Author
Thus, the merchants of Antiquity practiced forms of protection in order to cover the damages produced during the transport of the goods.
For example: the maritime legislation of Rodhos provided that the losses produced by throwing overboard a part of the goods in order to save the rest of the cargo, to be borne by all owners of goods loaded on board. And in Ancient Rome there were associations based on solidarity that intervened after the damage.
Then, the elements of an incipient insurance contract appear, in the form of a loan contract in which the amount guarantees a long-distance transport of goods; if they did not reach their destination, the creditor lost the amount borrowed. This contract gradually expands, being valid and existing even in the early Middle Ages.
We can say, in a way, that insurance appeared with the advent of human society. We are aware of two types of savings that have characterized society over time: foreign exchange savings (made with appropriate elements: foreign exchange markets, money, various financial instruments) and natural savings, in the absence of these elements, they date back a long time. older than the first.
In such a natural economy, we can look at the concept of insurance as a form of help between individuals in society. For example, if a house suffers a devastating fire, members of that community will help together rebuild the house; otherwise, they will not receive help in the future either. This type of insurance has survived to this day in regions where modern foreign exchange economies have penetrated only superficially (for example in some countries of the former Soviet Union). The insurance mainly expresses a financial protection for the losses suffered by people or companies due to various risks.
Insurance methods have developed along with the protection needs that exist at one time for people and their businesses. Thus, business people have understood to use insurance to reduce the risks that may occur in commercial transactions and those related to heritage protection.
The paper is addressed, first of all, to students in state and private economic higher education, high school students with economic profile, teachers in university and high school education, economic agents and state institutions and any other natural or legal persons who wish to acquire knowledge. in the field of insurance.
The Author
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