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Les comportements des Français en matière d'assurances

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  • Daniel Verger
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    Abstract

    [fre] Risque d'accident de la circulation, de vol, ou d'incendie, menace sur l'emploi, le revenu ou la santé, la plupart des actions de la vie quotidienne sont soumises à une part de hasard dont les conséquences peuvent être néfastes. Face à l'incertain, au risque, la souscription d'un contrat d'assurance répond à des motivations individuelles complexes. Elle s'analyse aussi comme un fait social à la lumière des caractéristiques socio-démographiques des ménages. Ainsi les personnes seules sont systématiquement moins assurées que les familles. Les ménages les plus aisés sont plus assurés que les ménages les plus pauvres. Et l'on s'assure le plus souvent au début et au milieu du cycle de vie. Également significative, l'opposition salariés-indépendants est d'une nature un peu différente : ce n'est pas tant l'étendue des protections que le type de protection qui diffère. Il est alors difficile de distinguer ce qui est dû à une différence de comportement ou à un simple effet de l'offre d'assurance. [eng] French behavior concerning insurance - The risk of automobile accidents, theft, or fire, the threat to employment, income or health: most activities in daily life comport a certain risk whose consequences can be disastrous. In the face of uncertainty, the signing of an insurance contract is the response to complex individual motivations. It can also be analyzed as a social fact in the light of the socio-demographic characteristics of households. Thus, single people are systematically less insured than families. The most comfortable households are more insured than the poorest. And people insure themselves most often at the beginning and in the middle of the life cycle. Equally significant, the opposition wage-earners self-employed is of a slightly different nature: it is not so much the extent of protection as the type of protection that differs. It is difficult then to distinguish what is due to a behavorial difference from a simple effect of the availability of insurance. [spa] Comportamiento de los Franceses en materia de seguros . Daniel Verger . Riesgo contra accidente del trâfico, de robo o incendio, temor a pérdida de empleo, de ingreso o de salud, la mayorfa de los actos de la vida de cada dfa estân sometidos en parte al azar cuyas consecuencias pueden resultar fatales. Frente a la incertidumbre, al riesgo, el hacer un contrato de seguro corresponde a motivaciones personates com- plejas. Se analiza también como hecho social a la vista de las caracteristicas sociales y demogrâficas de los hogares. . Asf pues, las personas solas estân sistemâticamente menos aseguradas que las familias. Los hogares mâs acomodados estân mâs asegurados que los hogares mâs humildes. Uno se asegura con mayor frecuencia a principios o a mediados del ciclo de vida. Igualmente significativa es la oposiciôn asalariados-independientes : no es la magnitud de las pro- tecciones si no el tipo de protecciôn la que difiere. Résulta entonces diffcil distinguir lo que es debido a una desemejanza en el comportamiento o a un mero efecto de la oferta en materia de seguros.

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    File URL: http://dx.doi.org/10.3406/estat.1985.4947
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    File URL: http://www.persee.fr/articleAsPDF/estat_0336-1454_1985_num_174_1_4947/estat_0336-1454_1985_num_174_1_4947.pdf?mode=light
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    Bibliographic Info

    Article provided by Programme National Persée in its journal Economie et statistique.

    Volume (Year): 174 (1985)
    Issue (Month): 1 ()
    Pages: 33-41

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    Handle: RePEc:prs:ecstat:estat_0336-1454_1985_num_174_1_4947

    Note: DOI:10.3406/estat.1985.4947
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    Web page: http://www.persee.fr/web/revues/home/prescript/revue/estat

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