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PL
Ograniczone zasoby konwencjonalnych źródeł energii oraz wzrost dwutlenku węgla w atmosferze powodują, że sięgamy do odnawialnych źródeł energii. Już od wielu lat w państwach Europy Zachodniej obserwujemy rosnące wykorzystanie energii wiatru, słońca, energii geotermalnej dla celów energetycznych. W Polsce także wzrasta zainteresowanie wykorzystaniem energii słonecznej dla produkcji energii elektrycznej za pomocą urządzeń fotowoltaicznych. Jak każde urządzenie, także i urządzenia fotowoltaiczne narażone są na różnego rodzaju zdarzenia losowe. Celem artykułu jest ocena ryzyka niezbędna przy ubezpieczeniu urządzeń fotowoltaicznych od wybranych zdarzeń losowych. Na bazie podstawowych informacji o urządzeniach fotowoltaicznych stawiamy tezę o konieczności objęcia ochroną ubezpieczeniową tego rodzaju urządzeń. W artykule wskazujemy na podstawowe elementy oceny ryzyka ubezpieczeniowego, tj. przedmiot ubezpieczenia, zakres odpowiedzialności, sumę ubezpieczenia.
EN
Limited resources of conventional energy sources and an increase in carbon dioxide in the atmosphere causes that we turn to renewable energy sources. Already for many years in Western European countries, we observe the use of wind, solar and geothermal energy. Also in Poland for many years, there is interest in using solar energy for the production of electricity using photovoltaic devices. The article discusses the development of solar energy using photovoltaic, and indicates areas of insolation in Poland. Based on the basic information about the photovoltaic devices, we put the thesis of the need for insurance coverage of photovoltaic devices located on the construction site. In the article, we point to the basic elements of the evaluation of insurance risk in the subject, extent of liability, the sum insured.
EN
The ongoing, dynamic development of civilization is associated with the growing demand for energy. The use of traditional energy sources such as coal, oil and natural gas is not only associated with an increase in environmental pollution, but also causes the depletion of natural resources. Renewable sources of energy are an alternative to non-renewable energy sources such as fossil fuels. The energy from renewable sources in Poland includes the energy from direct using solar radiation, wind, geothermal stores (from the inside of the earth), water and energy generated from solid biomass, biogas and liquid biofuels. The main objective of this article is to assess the changes occurring in the market of renewable energy in Poland. The changes in the structure of obtaining energy from renewable sources in Poland will be discussed and the linear ordering of countries according to the proportion of energy from renewable sources in total electricity production will be conducted on the basis of available data. The paper presents also the structure of production of electricity from renewable energy sources in Poland compared to other European Union countries.
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