Household Refundable Utility by taking out refundable insurance: Empirical study in the Spanish auto insurance market

This study investigates the expected benefits for Spanish households if they choose to purchase a refundable insurance policy that covers the deductible in the event of vehicle accidents. Using data obtained from the Spanish Survey of Household Finances alongside market data, this paper provides val...

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Detalles Bibliográficos
Autores: Claramunt Bielsa, M. Mercè, Costa, M. Teresa (Maria Teresa), 1951-, Mármol, Maite, Varea, Javier
Tipo de recurso: artículo
Estado:Versión aceptada para publicación
Fecha de publicación:2024
País:España
Institución:Universidad de Barcelona
Repositorio:Dipòsit Digital de la UB
OAI Identifier:oai:diposit.ub.edu:2445/218120
Acceso en línea:https://hdl.handle.net/2445/218120
Access Level:acceso abierto
Palabra clave:Risc (Assegurances)
Assegurances d'automòbils
Risk (Insurance)
Automobile insurance
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spelling Household Refundable Utility by taking out refundable insurance: Empirical study in the Spanish auto insurance marketClaramunt Bielsa, M. MercèCosta, M. Teresa (Maria Teresa), 1951-Mármol, MaiteVarea, JavierRisc (Assegurances)Assegurances d'automòbilsRisk (Insurance)Automobile insuranceThis study investigates the expected benefits for Spanish households if they choose to purchase a refundable insurance policy that covers the deductible in the event of vehicle accidents. Using data obtained from the Spanish Survey of Household Finances alongside market data, this paper provides valuable empirical insights concerning the impact of refundable insurance policies on the overall expected utility of households (referred to as Household Refundable Utility) both from a technical-actuarial and a microeconomic point of view.Elsevier B.V.2024info:eu-repo/semantics/articleinfo:eu-repo/semantics/acceptedVersionapplication/pdfhttps://hdl.handle.net/2445/218120Articles publicats en revistes (Matemàtica Econòmica, Financera i Actuarial)reponame:Dipòsit Digital de la UBinstname:Universidad de BarcelonaInglésReproducció del document publicat a: https://doi.org/https://doi.org/10.1016/j.econlet.2024.111819Economics Letters, 2024, vol. 241, núm. 111819, p. 1-4https://doi.org/https://doi.org/10.1016/j.econlet.2024.111819cc-by-nc-nd (c) Elsevier B.V., 2024http://creativecommons.org/licenses/by/3.0/es/info:eu-repo/semantics/openAccessoai:diposit.ub.edu:2445/2181202026-05-27T06:46:51Z
dc.title.none.fl_str_mv Household Refundable Utility by taking out refundable insurance: Empirical study in the Spanish auto insurance market
title Household Refundable Utility by taking out refundable insurance: Empirical study in the Spanish auto insurance market
spellingShingle Household Refundable Utility by taking out refundable insurance: Empirical study in the Spanish auto insurance market
Claramunt Bielsa, M. Mercè
Risc (Assegurances)
Assegurances d'automòbils
Risk (Insurance)
Automobile insurance
title_short Household Refundable Utility by taking out refundable insurance: Empirical study in the Spanish auto insurance market
title_full Household Refundable Utility by taking out refundable insurance: Empirical study in the Spanish auto insurance market
title_fullStr Household Refundable Utility by taking out refundable insurance: Empirical study in the Spanish auto insurance market
title_full_unstemmed Household Refundable Utility by taking out refundable insurance: Empirical study in the Spanish auto insurance market
title_sort Household Refundable Utility by taking out refundable insurance: Empirical study in the Spanish auto insurance market
dc.creator.none.fl_str_mv Claramunt Bielsa, M. Mercè
Costa, M. Teresa (Maria Teresa), 1951-
Mármol, Maite
Varea, Javier
author Claramunt Bielsa, M. Mercè
author_facet Claramunt Bielsa, M. Mercè
Costa, M. Teresa (Maria Teresa), 1951-
Mármol, Maite
Varea, Javier
author_role author
author2 Costa, M. Teresa (Maria Teresa), 1951-
Mármol, Maite
Varea, Javier
author2_role author
author
author
dc.subject.none.fl_str_mv Risc (Assegurances)
Assegurances d'automòbils
Risk (Insurance)
Automobile insurance
topic Risc (Assegurances)
Assegurances d'automòbils
Risk (Insurance)
Automobile insurance
description This study investigates the expected benefits for Spanish households if they choose to purchase a refundable insurance policy that covers the deductible in the event of vehicle accidents. Using data obtained from the Spanish Survey of Household Finances alongside market data, this paper provides valuable empirical insights concerning the impact of refundable insurance policies on the overall expected utility of households (referred to as Household Refundable Utility) both from a technical-actuarial and a microeconomic point of view.
publishDate 2024
dc.date.none.fl_str_mv 2024
dc.type.none.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/acceptedVersion
format article
status_str acceptedVersion
dc.identifier.none.fl_str_mv https://hdl.handle.net/2445/218120
url https://hdl.handle.net/2445/218120
dc.language.none.fl_str_mv Inglés
language_invalid_str_mv Inglés
dc.relation.none.fl_str_mv Reproducció del document publicat a: https://doi.org/https://doi.org/10.1016/j.econlet.2024.111819
Economics Letters, 2024, vol. 241, núm. 111819, p. 1-4
https://doi.org/https://doi.org/10.1016/j.econlet.2024.111819
dc.rights.none.fl_str_mv cc-by-nc-nd (c) Elsevier B.V., 2024
http://creativecommons.org/licenses/by/3.0/es/
info:eu-repo/semantics/openAccess
rights_invalid_str_mv cc-by-nc-nd (c) Elsevier B.V., 2024
http://creativecommons.org/licenses/by/3.0/es/
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv Elsevier B.V.
publisher.none.fl_str_mv Elsevier B.V.
dc.source.none.fl_str_mv Articles publicats en revistes (Matemàtica Econòmica, Financera i Actuarial)
reponame:Dipòsit Digital de la UB
instname:Universidad de Barcelona
instname_str Universidad de Barcelona
reponame_str Dipòsit Digital de la UB
collection Dipòsit Digital de la UB
repository.name.fl_str_mv
repository.mail.fl_str_mv
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score 15,811543

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