Do Regulations and Insurance Knowledge Affect Insurance Demand? Evidence from Bicycle Insurance in Japan
Several empirical studies have attempted to clarify whether differences in regulations affect people’s behavior. However, due to a lack of data, few have attempted to clarify whether these differences affect the purchase of insurance. Therefore, in this study, I conducted a survey of consumers in Ja...
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| Format: | Article |
| Language: | English |
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MDPI AG
2025-06-01
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| Series: | Risks |
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| Online Access: | https://www.mdpi.com/2227-9091/13/6/115 |
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| _version_ | 1849425085007396864 |
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| author | Yoshihiro Asai |
| author_facet | Yoshihiro Asai |
| author_sort | Yoshihiro Asai |
| collection | DOAJ |
| description | Several empirical studies have attempted to clarify whether differences in regulations affect people’s behavior. However, due to a lack of data, few have attempted to clarify whether these differences affect the purchase of insurance. Therefore, in this study, I conducted a survey of consumers in Japan and analyzed the characteristics of those who bought bicycle insurance. My findings are as follows: First, users tend to purchase bicycle insurance in prefectures where it is compulsory. Second, bicycle users with a high level of insurance knowledge tend to purchase insurance. Third, consumers who use bicycles more frequently tend to purchase insurance. |
| format | Article |
| id | doaj-art-752c589f876843d79dde33edec8abbfc |
| institution | Kabale University |
| issn | 2227-9091 |
| language | English |
| publishDate | 2025-06-01 |
| publisher | MDPI AG |
| record_format | Article |
| series | Risks |
| spelling | doaj-art-752c589f876843d79dde33edec8abbfc2025-08-20T03:29:52ZengMDPI AGRisks2227-90912025-06-0113611510.3390/risks13060115Do Regulations and Insurance Knowledge Affect Insurance Demand? Evidence from Bicycle Insurance in JapanYoshihiro Asai0School of Commerce, Meiji University, Tokyo 101-8301, JapanSeveral empirical studies have attempted to clarify whether differences in regulations affect people’s behavior. However, due to a lack of data, few have attempted to clarify whether these differences affect the purchase of insurance. Therefore, in this study, I conducted a survey of consumers in Japan and analyzed the characteristics of those who bought bicycle insurance. My findings are as follows: First, users tend to purchase bicycle insurance in prefectures where it is compulsory. Second, bicycle users with a high level of insurance knowledge tend to purchase insurance. Third, consumers who use bicycles more frequently tend to purchase insurance.https://www.mdpi.com/2227-9091/13/6/115bicycle insuranceregulationinsurance knowledgequestionnaire survey |
| spellingShingle | Yoshihiro Asai Do Regulations and Insurance Knowledge Affect Insurance Demand? Evidence from Bicycle Insurance in Japan Risks bicycle insurance regulation insurance knowledge questionnaire survey |
| title | Do Regulations and Insurance Knowledge Affect Insurance Demand? Evidence from Bicycle Insurance in Japan |
| title_full | Do Regulations and Insurance Knowledge Affect Insurance Demand? Evidence from Bicycle Insurance in Japan |
| title_fullStr | Do Regulations and Insurance Knowledge Affect Insurance Demand? Evidence from Bicycle Insurance in Japan |
| title_full_unstemmed | Do Regulations and Insurance Knowledge Affect Insurance Demand? Evidence from Bicycle Insurance in Japan |
| title_short | Do Regulations and Insurance Knowledge Affect Insurance Demand? Evidence from Bicycle Insurance in Japan |
| title_sort | do regulations and insurance knowledge affect insurance demand evidence from bicycle insurance in japan |
| topic | bicycle insurance regulation insurance knowledge questionnaire survey |
| url | https://www.mdpi.com/2227-9091/13/6/115 |
| work_keys_str_mv | AT yoshihiroasai doregulationsandinsuranceknowledgeaffectinsurancedemandevidencefrombicycleinsuranceinjapan |