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Zavarovalnice predstavljajo pomembne finančne institucije, s pomočjo katerih uporabniki storitev prenesejo tveganje od vplačnika zavarovalne premije na zavarovalnico. Zavarovalnice so pravne osebe, katere za delovanje na slovenskem zavarovalniškem trgu, morajo imeti sedež v Sloveniji. Na slovenskem zavarovalniškem trgu deluje 21 zavarovalnic. Glede na vrsto zavarovanj se delijo na univerzalne in specialne. Zavarovalnice so dolgo delovale na podlagi klasičnega poslovanja, vendar z tehničnim razvojem je prišlo do sprememb. Elektronsko poslovanje je in še vedno bolj postaja pomembna oblika poslovanja, tako med podjetji, posamezniki kot državo. Vendar pri elektronskem poslovanju ne gre samo za izmenjavo podatkov ter oglaševanje podjetja na spletni, ampak gre za dosti več. Sedaj se elektronsko poslovanje ne pojavlja samo na enem področju. Razširjeno je na več področij, katera se med seboj povsem razlikujejo. Zaradi tega si podjetja morajo sebi prilagoditi obliko elektronskega poslovanja in nadgrajevati. Zaradi vse večjega uveljavljanja elektronskega poslovanja na različnih področjih, se je elektronsko poslovanje začelo uporabljati tudi v zavarovalništvu. Zavarovalnice pa predstavljajo bolj zapletene institucije, pri čemer elektronsko zavarovanje ni bilo lahko uvesti. Nekatera zavarovanja so prezapletena, da bi jih lahko sklenili preko spleta. Čeprav je ponudba na spletnih straneh zavarovalnic zelo široka, še vedno ni tako razvita in uveljavljena med kupci zavarovalniških storitev. Uporabniki še vedno imajo pomanjkanje zaupanja v elektronsko zavarovalništvo. Na slovenskem zavarovalniškem trgu imajo vse zavarovalnice svojo spletno stran. Vendar vse zavarovalnice ne ponujajo elektronskega sklepanja zavarovanj. Ponujajo pa vrsto drugih storitev, kot so: informativni izračun, naročilo zavarovalniškega agenta, prijava škode, dostop do obrazcev itd. Insurance companies are being considered as important financial institutions, which are redirecting potential risk from insured individual towards insurance company. Slovenian insurance companies are legal entities, which are legally required to have registered headquarters in Slovenia. On Slovenian market there are 21 insurance companies which are by the purpose of insurance split by universal and specialized insurances. Traditionally Insurance companies have been operating based on classic business approach. Aligned with technology development insurance business had follow and implement changes in everyday business. E-Commerce has become very important way of running business among companies, individuals and government. E-Commerce is not only important as data exchange but it offers much more. Now days we are seeing E-Commerce development on many segments, which are so different that companies need to adjust and upgrade their business behavior. Due to growing E-Commerce being part of more and more different segments, insurance companies needed to follow its usage. As insurance companies are running complicated business in terms of insurance policies, it was very challenging to introduce E-commerce in everyday work. Due to complicated content structure of insurance policies it was basically impossible to submit insurance policy on-line. Never the less that there is wide range of insurance offers present on the Web, we can still see very low usage of electronic insurance services among customers. Insurance customers are still missing trust in electronic insurance services. On Slovenian insurance market we can see that all insurance companies are offering their own web page. Interesting fact is that not all of them are offering electronic insurance services, but are addressing potential customers with informative insurance calculation, insurance agent meeting booking, damage report submission, access to different insurance forms, etc. |
