汽车保险续保跟探究.pdfVIP

汽車保險續保之研究－ 以汽車第三人責任保險為例 A Study on the Automobile Insurance Renewal- Using Automobile Third Party Liability Insurance as an Example * * * 丁宗榮 賴麗華 Tsung-Jung Ting Li-Hua Lai Department of Risk Management and Insurance National Kaohsiung First University of Science and Technology 台灣地區的汽車市場為單一商品市場，在產品極無差異化的情形下，使得產險業者的競爭模式 呈現惡性的價格競爭，由過去的發展可看出汽車保險的業務缺乏整體的規劃，已流於投機性的經營 策略，就保險經營一向所要求的穩健性之原則而言顯有不符之處。本文就是欲以任意汽車第三人責 任保險為例，採用 Logistic迴歸法，進行實證，本文結果發現婚姻狀況、承保區域、繳費方式、送 拖吊卡將影響車險續保，現提出車險行銷策略因應之道，以作為產險公司擬定汽車保險行銷策略之 參考。 關鍵詞：續保、汽車第三人責任險、 Logistic迴歸 ABSTRACT As the automobile insurance in Taiwan is a mode of single-product market and there are no significant differences among the insurance products, so the competition of property insurance companies reveals an unsound price contest. According to the past development, it indicates that automobile insurance business, lack of integrated planning, is filled with speculative operation schemes. Apparently, it is not in accordance with the stable and sound principle the insurance industry cares most. This paper intends to take automobile third party liability insurance as an example. It is anticipated to find the relatively effect factors from current customer groups by adopting Logistic regression. The empirical findings of this research indicate that factors, such as marriage status, insurance-accepting area, way of payment, premium of towing-service card, have an impact on the renewal. It also provides adaptive measures of automobile insurance marketing strategies for reference of the property