Does Plate Number Selection Matter? An Example of Private Automobile Physical Damage Insurance

• Main Authors: Tzu-hsuan Ko, 柯孜璇
• Other Authors: Li-Min Chu
• Format: Others
• Language: zh-TW
• Published: 2012
• Online Access: http://ndltd.ncl.edu.tw/handle/95358652245651183758

碩士 === 逢甲大學 === 風險管理與保險研究所 === 100 === In this study, referring to data of automobile physical damage insurance in 2007 of a non-life insurance company in Taiwan, we investigate the characteristics of car owners who are willing to pay for lucky-plate-number and analyze whether the claim probability of automobile insurance is affected by the lucky-plate-number or not. Our research results reveal that the car owners who are male, married, age between 20-29 or above 70 have higher ratio to buy lucky-plate-number. The car owners of sports car, SUV, higher car price, larger engine displacement have higher ratio to buy lucky-plate-number. The car owners of Porsche, Benz, Jaguar and other luxury cars have higher ratio to buy lucky-plate-number. The car owners in Chiayi sub-metropolitan have the highest ratio to buy lucky-plate-number than other areas. The claim factors of automobile physical damage insurance is affected by personal factors (gender, age, accident records) and automobile factors (car brand, vehicle age, vehicle type, engine displacement), and not related with car plate number. The lucky-plate-number has only the psychological effect for car owners, and did not reduce the claim probability of automobile physical damage insurance.