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ABSTRACK
Aims: This research aimed at drawing the attention of motorists and insurance practitioners
in Nigeria to risk occurrences, drivers risk attitude, and demand for motor insurance. For
this reason, the researchers have evaluated the significant influence of drivers risk attitude
on risk occurrence and thus, examined the significant relationship between motorists risk
attitude and motor insurance demand Study design: The study employed cross-sectional
survey design Place and duration of study: Study was carried out in Lagos Metropolis.
Duration of study was from December, 2012 to February, 2014. Methodology: The
research commenced with gathering of literature survey. The study employed stratified
random sampling technique and also, gathered data through the use of structured
questionnaire. The sample population consisted of 270 respondents made up of motorists of
private, commercial and company-used drawn from Six Local Government Council Areas of
Lagos State. The statistical instruments employed for this study were Kolmogorov-smirnov
test and Multiple regression. Results: Two hypotheses were tested in this study. For
hypothesis 1, the use of Kolmogorov-smirnov test evidenced that drivers attitude has
significant influence on risk occurrence. For hypothesis 2, the Multiple regression presented
that risk attitude of motorists has significant but negative relationship with the demand for
motor insurance. Conclusion: The research evidenced a significant interrelationship
between the understudied constructs .i.e. drivers risk attitude, risk occurrence and motor
insurance demand.
ABSTRACK
A factor analysis of the advantages and disadvantages of car and bike-ownership is performed,
so as to reveal any latent correlation between the different variables, while the factors affecting
the adoption of carsharing and bikesharing schemes are analyzed descriptively. Ordered logit
models capturing the willingness of the respondents to progressively join these schemes are
also estimated. The model results suggest that respondents with annual income between 15 K
and 25 K Euros are more likely to join carsharing or bikesharing systems when they become
available in Greece. Carsharing is also expected to mainly attract people that use bus, trolley or
tram for their commute, while bikesharing is more likely to attract those who go on foot. Age is
also a significant determinant of joining bikesharing, with respondents in the 2635 years age
group being more reluctant than younger ones. Finally, the more environmentally conscious the
respondent declares that (s)he is, the more possible it is that (s)he will join one of the two
schemes.
Issue: 2
Date: 2014
Page: