Impact of COVID-19 pandemic on trip cancellation insurance in the context of travel agencies and clients

S obzirom na iznimno dugu i bogatu povijest industrije osiguranja, može se reći da je riječ o jednoj od najvažnijih grana gospodarstva u zemljama diljem svijeta. U diplomskom radu će se definirati industrija osiguranja kroz najvažnije sudionike i pojmove u osiguranju te će se prikazati podjela osiguranja na životna i neživotna osiguranja. U sklopu neživotnih osiguranja definirat će se putno osiguranje i osiguranje od otkaza putovanja, ključne karakteristike i mogućnosti ugovaranja osiguranja od otkaza putovanja za putnike uz posredništvo putničkih agencija ili izravno s društvom za osiguranje u slučaju samostalne organizacije putovanja. Kod osiguranja od otkaza putovanja bit će potrebno istaknuti osigurane i neosigurane rizike u kojima ugovaratelj osiguranja ima pravo na naknadu štete, odnosno situacije u kojima ne ostvaruje to pravo. Spomenut će se i trenutno aktualna COVID-19 pandemija koja već sada ostavlja posljedice na sve segmente života ljudi diljem svijeta. Zbog velike gospodarske važnosti industrije osiguranja, cilj diplomskog rada je uvidjeti utjecaj i posljedice COVID-19 pandemije kao svojevrsne katastrofe na ekonomiju i društvo, turističke agencije i klijente te osiguranje od otkaza putovanja.Due to the very long and rich history of the insurance industry, it can be said that it's one of the most important branches of economy in the countries all over the world. In this master thesis insurance industry will be defined through the most important insurance parties and terms and definitions of insurance. It will distinguish the insurance separation of life and non-life insurance in which travel insurance, trip cancellation insurance, and the main characteristics of both types of mentioned insurance will be defined. Trip cancellation insurance can be arranged by travel agencies or directly with an insurance company if a client is traveling by their own organization. The thesis will highlight a list of insured and uninsured risks that every policy holder should be aware of while purchasing an insurance policy as there can be situations in which a policy holder would not have the right to make a claim from the insurance company. The thesis will analyze the COVID-19 pandemic due to its high importance in every segment of people's lives all over the world. Therefore, the aim of this master thesis is to analyze and point out the impacts and consequences of the COVID-19 pandemic on the economy, society, travel agencies, clients, and trip cancellation insurance itself