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1
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Application of the Servqual Method in Studies on the Quality of Services Provided by the Agricultural Social Insurance Fund

100%
Witkowska J.
Olsztyn Economic Journal
|
2012
|
vol. 7
|
issue 1
95-106
EN
This paper presents the application of the Servqual method in studies on the quality of services provided among the clients of the Agricultural Social Insurance Fund (KRUS). The clients evaluated five dimensions of the service provided in three aspects: the expected quality, the actual quality and the minimum quality. Thanks to the studies conducted, identification of gaps that emerged in the service provision process was possible. The respondents rated the quality of service provided by the KRUS as representing a relatively high level.
2
Content available remote

CUSTOMER LOYALTY TO INSURANCE COMPANIES

100%
Witkowska J.
Olsztyn Economic Journal
|
2010
|
vol. 5
|
issue 2
316-325
EN
Loyalty of customers in the insurance services market is determined by numerous factors. The factors with the highest share in building loyalty attitudes include the offer conditions, credibility and confidence in the insurance company and premium amount. The location of the insurance agency, on the other hand, has the lowest influence on the loyalty of the customer to the insurer.
3
Content available remote

Stakeholders on the Insurance Market

100%
Witkowska J.
Olsztyn Economic Journal
|
2014
|
vol. 9
|
issue 3
215-223
EN
The aim of this study was to identify and describe the stakeholders on the insurance market and their expectations towards insurers. Insurance companies conduct operations on the financial market by collaborating with various market actors, including the owners, managers and employees of insurance undertakings, exclusive agents, independent agents, insurance brokers, private and institutional clients, banks, reinsurers, outsourcing companies, market competitors, insurance organizations, providers of business support services, research and development organizations and members of the community. Each stakeholder group has specific expectations towards insurers.
4
Content available remote

Polish Insurance Market Compared to Selected European Countries in the Years 2000-2010

100%
Witkowska J.
Olsztyn Economic Journal
|
2012
|
vol. 7
|
issue 2
229-238
EN
This paper presents the insurance market in Poland and selected European countries. The most important parameters characterising this segment of the financial market were used. The premiums written, population and GDP were analysed to outline the major changes occurring among the insurers operating in Poland and the CEA1 member countries.
5
Content available remote

LEVEL OF CUSTOMER SATISFACTION WITH THE PURCHASED INSURANCE SERVICE

63%
Witkowska J., Kucka E.
Olsztyn Economic Journal
|
2008
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vol. 3
|
issue 2
287-296
EN
Insurance companies in the same way as other service enterprises, should focus in their activities mainly on identification of customer expectations and next on supplying them the products that would satisfy them fully. In case of insurance companies customer satisfaction can be generated at the stage of providing services to the customer (satisfaction with the distribution channel) and product that the customer has purchased (satisfaction with the insurance service purchased). This paper aims at presenting the dependences occurring between the level of satisfaction with the insurance service and the gender, age, place of residence, level of education, income and expenditures on insurance of the respondents.
6

Rynek ubezpieczeniowy w Polsce i na Litwie – analiza porównawcza

63%
Witkowska J., Lakštutienė A.
Ekonomista
|
2015
|
issue 3
369-391
PL
W artykule przedstawiono porównawczą analizę rozwoju rynku ubezpieczeniowego w Polsce i na Litwie w okresie 2001–2011. Analiza uwzględnia najważniejsze wskaźniki charakteryzujące rynek ubezpieczeniowy, takie jak: liczba ubezpieczycieli, liczba zawartych polis i ich ceny, suma płaconych składek ubezpieczeniowych, suma wypłacanych odszkodowań i świadczeń itp., oraz różne wskaźniki względne. W analizie uwzględniono podział sektora ubezpieczeń na ubezpieczenia osobowe (zwłaszcza na życie) oraz majątkowe. Przeanalizowano również koncentrację rynku ubezpieczeniowego.
EN
The paper presents on a comparative basis the development of the insurance market in Poland and Lithuania over the period 2001–2011. The analyses employs main indicators of the insurance activity, such as: the number of insurers, the number of insurance policies and their prices, sum total of insurance premiums, sum total of insurance compensations and benefits etc., and various relative indicators. The analysis considers the division of personal (notably life insurance) and property insurance. A separate part of the analysis is devoted to the concentration of the insurance market.
RU
В статье представлен сравнительный анализ развития рынка страхований в Польше и в Литве в период 2001–2011. Анализ учитывает важнейшие показатели, характеризующие рынок страхований, такие как: количество страховых фирм, количество выданных полисов и их цены, сумма оплачиваемых страховых взносов, сумма выплачиваемых возмещений и пособий и т.п., а также разные относительные показатели. В анализе было учтено деление страхового сектора на личное страхование (особенно жизни) и имущественное страхование. Проведен также анализ концентрации страхового рынка.
7
Content available remote

INFLUENCE OF INSURANCE EDUCATION ON THE LEVEL OF INSURANCE AWARENESS OF UNIVERSITY OF WARMIA AND MAZURY STUDENTS

63%
Kucka E., Witkowska J.
Olsztyn Economic Journal
|
2008
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vol. 3
|
issue 1
171-179
EN
Insurance education concerning both life and property insurance is very important but the consequences of decisions taken today in that field could be assessed after many years from now only. Clients must learn the interpretation of insurance regulations, general insurance conditions, the skills of comparing and drawing conclusions from insurance offers. The subject knowledge on insurance and pension funds is required for efficient functioning in the European society. The Ombudsman of the Insured and the Insurance and Risk Management Chamber of Commerce states that insurance education should be targeted first of all to the youth. The paper presents the results of the study on the level of insurance awareness among the last year students at the University of Warmia and Mazury. The studies showed that more than a half of the respondents assessed the level insurance awareness as low. To improve that situation the educational activities of insurance companies should be expanded.
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