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Developing Insurance Markets : Does Fragmentation and a Reliance on Compulsion Hinder Innovation, Growth and Development? (anglais)

Highly competitive markets or fragmented insurance markets are usually characterized by some irrational competition. In less developed non‐life insurance markets, this competition may be most visible in loss making compulsory motor insurance. Usually it is a large proportion of the business mix. Irrational price wars erode profits. A strict or penal treatment of claimants erodes trust. The societal and policy objectives of the compulsory lines of...
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