THE ROLE OF INSURANCE IN LOGISTICS

Transportno zavarovanje je ena najstarejših vrst zavarovanja. Namen diplomskega dela je predstavitev te vrste zavarovanja v cestnem prometu in prikazati obstoječe stanje. Glede na razvitost in obseg transporta in logističnih storitev predvidevamo, da je zavarovanje prevoza tovora pomembna zaščita in finančna varnost pred nevarnostmi, katerim je tovor med logističnimi operacijami in transportom izpostavljen. V prvem delu diplomskega dela smo predstavili transport in njegov pomen skozi vso zgodovinsko obdobje. V osrednjem delu diplomskega dela smo predstavili kargo zavarovanje, zavarovanje prevozniške odgovornosti in zavarovanje špediterske odgovornosti. Predstavili smo pomembne elemente zavarovalne pogodbe, zavarovalne police in pogoje zavarovanja ter pravne podlage.V zadnjem delu diplomskega dela smo prikazali obstoječe stanje transportnih zavarovanj v cestnem prometu v zavarovalni družbi Adriatic Slovenica, d. d., obseg transportnih zavarovanj pri ostalih zavarovalnicah v Sloveniji in svetu. Podatke smo zajemali s pomočjo sektorja za statistiko in aktuariat v zavarovalni družbi Adriatic Slovenica, d. d., podatkov zavarovalnega združenja, podatkov Generalne Policijske Uprave Republike Slovenije, letnih poročil posameznih zavarovalnic in s pomočjo pripravljene ankete. Podrobnejših podatkov v zvezi s transportnim zavarovanjem tovora in o škodah pri prevozih tovora zaradi konkurenčnosti ni mogoče pridobiti. Zelo pomembno je, kako smo prepoznavni na trgu in kako stranki kakovostno in razumljivo predstavimo zavarovanje, da bomo kljub trenutni gospodarski krizi uspešnejši.Transport insurance is one of the oldest types of insurance. The purpose of the study is to present this type of insurance on the road and show the status quo. Given the sophistication and scope of transportation and logistics services, assuming that is cargo insurance, protection and financial security against exposed dangers during cargo transportation and logistics operations. In the first part of the study, we present the transport and its significance throughout the historical period. In the central part of the study, we present the cargo insurance, liability insurance carrier\u27s freight forwarding and insurance liability. We have presented the important elements of insurance contracts, insurance policies and conditions of insurance and legal basis.In the latter part of the study we present the current situation of road transport insurance services in insurance company AdriaticSlovenica, including transportation insurance for other insurance companies in Slovenia and abroad. Data were covered by the statistics of the sector and the insurance company aktuariat AdriaticSlovenica Company, the association data, annual reports and individual insurance through prepared questionnaires. Detailed information concerning the transport of cargo insurance for competitiveness can not be obtained. It is very important how we identified the market and to present high quality and comprehensive insurance to our customers, that we will perform better although the current economic crisis