Some reflections on insurance pricing

Henriet, Dominique; Rochet, Jean-Charles

Henriet, Dominique; Rochet, Jean-Charles (1987), Some reflections on insurance pricing, European Economic Review, 31, 4, p. 863-885. http://dx.doi.org/10.1016/0014-2921(87)90004-3

Type

Article accepté pour publication ou publié

Date

1987

Journal name

European Economic Review

Volume

Number

Publisher

Elsevier

Pages

863-885

Abstract (EN)

We analyse three aspects of the recent evolution of French automobile insurance by use of three simple theoretical models: - the fantastic development of professional mutuals, - the growing complexity of tariffs, - the increasing recourse to product differentiation. Each of these aspects can be interpreted as a step further in the direction of increasing premiums personalization. The question we examine is: how far should we go?

Subjects / Keywords

premiums personalization; French automobile insurance