20.500.12556/DKUM-74745 Zavarovalna pogodba v luči razmerja med pogodbenimi strankami Insurance contract in terms of the relationship between the involved parties Zavarovalništvo kot gospodarska panoga in pogodbena razmerja, ki jih vzpostavlja, se v sodobni družbi srečujejo z mnogimi spremembami in vprašanji. Diplomsko delo opredeljuje pravno formalni vidik razmerja med vsemi pogodbenimi strankami v zavarovalnih razmerjih, hkrati pa osvetljuje praktičen pogled na odnose med njimi in se dotika vprašanj, ki nastajajo ob nesporazumih med zavarovalnicami in njihovimi strankami. Uvodni del, ki je namenjen kratkemu zgodovinskemu pregledu in zakonodajni ureditvi zavarovalništva v Sloveniji, se nadaljuje z analizo prvin zavarovalne pogodbe, opredeljene so obveznosti in pravice zavarovalnic in njihovih zastopnikov ter strank oz. zavarovalcev, ki v zavarovalno razmerje vstopajo kot potrošniki. Osnova celotne vsebine diplomskega dela je predpostavka, da v Sloveniji ni enotnega zakona ali pravno formalnega akta, v katerem bi lahko pogodbene stranke v zavarovalništvu našle odgovore na vsa pereča vprašanja. Zahteve sodobnega potrošnika in aktualnost nenehnih pritožb strank, zaradi katerih so zavarovalnice izredno pogosto pod drobnogledom javnosti, te hipoteze zagotovo ne zavračajo, se pa, kot ugotavljam v samem zaključku analize relevantnih virov, brez izjeme potrjuje tudi dejstvo, da se nacionalne zakonodaje posameznih držav umikajo evropskih predpisom in regulativam. Zavarovalništvo se mora prilagoditi zahtevam časa in prostora, v katerem obstaja, narava njegovih storitev pa je tista, ki mu bo zagotovo omogočila obstoj tudi v prihodnosti. Uspešnost njegovega delovanja bo seveda odvisna od sposobnosti razvoja, ključno pa bo tudi upoštevanje vse bolj odmevnega dejstva, da sodoben potrošnik s svojimi zahtevami vse bolj zna in zmore uspešno zastopati svoje interese tudi v razmerju do zavarovalnih družb. Insurance business as an industry and the contractual relationships it establishes face many new changes and questions in modern society. This diploma thesis defines the legal and formal relationship between all contracting parties in insurance relationships, while highlighting the practical perspective of their relationship and examining questions arising from disputes between insurance companies and their clients. The introductory section, which presents a brief historical overview and regulation of the insurance business in Slovenia, is followed by the analysis of elements of an insurance contract, defining the rights and obligations of insurance companies and their representatives, as well as their clients – policyholders – who enter the insurance relationship as consumers. The basis of the diploma thesis is the assumption that there is in Slovenia no unified or legal and formal act in which contracting parties in the insurance business could find answers to all topical questions. The demands of the modern consumer and the urgency of constant client complaints – resulting in insurance companies being a very frequent focus of public attention – do not reject this hypothesis; however, as I conclude in the analysis of relevant sources, the national legislations of individual countries are giving way to European rules and regulations, without exception. The insurance business must adapt to the requirements of time and space in which it exists, while the nature of its services is the factor that will certainly ensure its existence in the future. The success of this business will depend on its capacity to develop, and it will also be essential to take into account the increasingly resounding fact that modern consumers – with their demands – are ever more knowledgeable and capable of representing their interests in the relationship with insurance companies. Zavarovalništvo pogodba stranka. Insurance contract client. true true true [I. Šimić] Slovenski jezik Angleški jezik Diplomsko delo/naloga 2019-09-05 10:57:45 2019-12-19 15:55:53 2022-08-09 09:29:28 2019-12-20 03:12:53 2019 0 Celje 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 368 513054013 URN:SI:UM:DK:C60I9WNK VS_Simic_Ivan_2019.pdf VS_Simic_Ivan_2019.pdf 1 E17BC20E6FF0C2D3BFEC59EF896DCF22 ba75c09c93b1f39f0ad0cf87e348d90cf541aec8c7f275f7e29214c922204483 e723c612-7c10-11eb-bb7a-00155d0001ca 20.500.12556/dkum/b7c8d3af-8380-4388-8d6c-a2f806fbf051 https://dk.um.si/Dokument.php?lang=slv&id=137195 Fakulteta za logistiko 0 0 0