IDEAS home Printed from
   My bibliography  Save this article

Discriminations dans l’accès à la banque et à l’assurance : Les enseignements de trois testings


  • Yannick L’Horty
  • Mathieu Bunel
  • Souleymane Mbaye
  • Pascale Petit
  • Loïc Du Parquet


This research measures discriminations on three markets which were rarely studied in France even though the access to these markets determines the occupational and social integration of individuals, in particular young people?: automobile insurance, health insurance and consumer credit market. On these markets, we estimate the age discrimination, sexual discrimination, ethnic origin discrimination, and discrimination based on place of residence, using correspondence testing. We used six profiles of fictitious individuals who submitted similar requests for an quotation from credits, insurances and health insurances providers. First of all, in March?2016, we tested?38?non-life and composite insurance company by sending them an online request for a quotation for an automobile insurance. Then, between April and May, 2016, we tested?52?companies which allowed sending a request for an estimate for a health insurance from a simulation made on their website. Finally, in June, 2016, we tested?20?financial institutions by sending six requests to estimate the cost of a consumer credit in order to buy a second-hand car. These three testing campaigns highlight the existence of age discrimination, sexual discrimination, ethnic discrimination, as well as discrimination related place of residence, both in the access to the services and in pricing applied by providers. Classification JEL?: C93, J14, M53

Suggested Citation

  • Yannick L’Horty & Mathieu Bunel & Souleymane Mbaye & Pascale Petit & Loïc Du Parquet, 2019. "Discriminations dans l’accès à la banque et à l’assurance : Les enseignements de trois testings," Revue d'économie politique, Dalloz, vol. 129(1), pages 49-78.
  • Handle: RePEc:cai:repdal:redp_291_0049

    Download full text from publisher

    File URL:
    Download Restriction: restricted

    File URL:
    Download Restriction: restricted

    As the access to this document is restricted, you may want to look for a different version below or search for a different version of it.

    Other versions of this item:

    More about this item


    discrimination; bank; insurance; correspondence testing;

    JEL classification:

    • C93 - Mathematical and Quantitative Methods - - Design of Experiments - - - Field Experiments
    • J14 - Labor and Demographic Economics - - Demographic Economics - - - Economics of the Elderly; Economics of the Handicapped; Non-Labor Market Discrimination
    • M53 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Personnel Economics - - - Training


    Access and download statistics


    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:cai:repdal:redp_291_0049. See general information about how to correct material in RePEc.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Jean-Baptiste de Vathaire). General contact details of provider: .

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service hosted by the Research Division of the Federal Reserve Bank of St. Louis . RePEc uses bibliographic data supplied by the respective publishers.