IDEAS home Printed from https://ideas.repec.org/a/prs/ecstat/estat_0336-1454_1985_num_174_1_4947.html
   My bibliography  Save this article

Les comportements des Français en matière d'assurances

Author

Listed:
  • Daniel Verger

Abstract

[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. [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.

Suggested Citation

  • Daniel Verger, 1985. "Les comportements des Français en matière d'assurances," Économie et Statistique, Programme National Persée, vol. 174(1), pages 33-41.
  • Handle: RePEc:prs:ecstat:estat_0336-1454_1985_num_174_1_4947 Note: DOI:10.3406/estat.1985.4947
    as

    Download full text from publisher

    File URL: http://dx.doi.org/doi:10.3406/estat.1985.4947
    Download Restriction: no

    File URL: http://www.persee.fr/doc/estat_0336-1454_1985_num_174_1_4947
    Download Restriction: no

    References listed on IDEAS

    as
    1. Jean-Pierre Puig, 1981. "Le rôle des villes dans les migrations d'actifs," Économie et Statistique, Programme National Persée, vol. 133(1), pages 57-75.
    2. Jean-Claude Labat, 1971. "L'âge des populations régionales," Économie et Statistique, Programme National Persée, vol. 28(1), pages 49-53.
    Full references (including those not matched with items on IDEAS)

    More about this item

    Statistics

    Access and download statistics

    Corrections

    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:prs:ecstat:estat_0336-1454_1985_num_174_1_4947. 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: (Equipe PERSEE). General contact details of provider: http://www.persee.fr/collection/estat .

    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.