Insurances and consumer perception in the Romanian insurance market

摘要

Consumer behavior remains a debated area in the economic fields due to its particularities that are connected to the way information is presented or to the characteristics of the market. Insurance market is a different market that impose a different perception and various factors that influence the insurance acquisition. Uncertainty can be considered a key element of selling insurance, for the event which is the subject of the insurance contract may occur or not an event is possible, and uncertain future. The need for security is also an uncertain factors influencing this decision entailing particular due to the intangibility and lack of transparency. Also Romanian clients have different particularities due to the fact that their income are low and concentrate only on necessary goods. The impact of the crisis still has repercussions on the perception of the Romanian buyer.