A Survey of the Consumer Behaviors for Selecting Personal Fire and Earthquake Insurances

• Main Authors: Wan-wei Lai, 賴宛蔚
• Other Authors: Hsien-Chueh Peter Yang
• Format: Others
• Language: zh-TW
• Published: 2003
• Online Access: http://ndltd.ncl.edu.tw/handle/88248865840737813399

碩士 === 國立高雄第一科技大學 === 風險管理與保險所 === 91 === The study is to investigate some factors for the consumers to select personal fire and earthquake insurances. We sampled one hundred eighty people from the members of the presbyterian churches and the construction companies in Kaohsiung area. The survey was conducted by interviews and mails. The study questions are designed according to the EKB model. We use factor analysis and logistic regression analysis, and find that： 1.Few salespersons actively market personal fire and earthquake insurances. 2.When buying a policy, a consumer will first look at the claim service of an insurance company and then the coverage of that policy. 3.Most consumers anticipate disasters to be covered in the current polices. 4.Those people who are middle-aged, married, with stable income, or with other insurance, are more likely to buy personal fire and earthquake insurances. To certain extent, the findings support our hypotheses. We hope that the findings will facilitate the insurance companies with marketing their products.